Zopempha za Lucky Low ndi Middle-Middle Mungapeze Zodula Zambiri mu NYC
Lingaliro la "nyumba zotsika mtengo" ku NYC zingawoneke ngati ngati mpweya wabwino. Koma, ngati mumadziwa kumene mungayang'ane, pali zowonjezera mwayi wopezera mwayi wopeza ndalama pakati pa ndalama zonse komanso kugula mumzindawu. Ndi dongosolo la lotolo, kufunafuna kwambiri kuperekera, ndi njira zolimba pambali pa gululo, kugwiritsa ntchito kungakhale njira yayitali, yokhumudwitsa popanda zitsimikizo.
Koma kwa ochepa mwayi omwe akudutsamo, kuvomerezedwa ndi kusamukira ku nyumba yogula mtengo kungakhale malo otsiriza a New York City dreamed.
Anthu ambiri ku New York amanyalanyaza mwayi umene angapezeke nawo pamudzi wokwera mtengo chifukwa sadziwa kumene angayambe. Nchifukwa chake tachita zofunikira zoyambirira kwa inu - pano palizinthu zofunika 4 kwa New Yorker aliyense kufunafuna malo ogula mtengo ku NYC:
1. NYC MISONKHANO
NYC Housing Connect, chithandizo choperekedwa ndi Dipatimenti ya Zosungirako Nyumba ndi Zokonza (HPD) ndi Housing Development Corporation (HDC) Kupyolera pa webusaiti yawo, mukhoza kufufuza mndandanda wa malo omwe akukhalamo komanso omwe akubwera omwe angabwereke ku Nyumba za Maiko ku Manhattan komanso m'mabwalo ena a NYC. Mukhozanso kukhazikitsa akaunti yaulere apo, yomwe imakulolani kukhazikitsa zofunikira za banja lanu ndikupempha zofunikira zogona nyumba zomwe zimakugwirirani bwino.
(Dziwani kuti mapulogalamu kudzera pamakalata amavomerezedwa, chifukwa chaching'ono-tech-savvy.)
Kumbukirani kuti kuti musankhidwe, simukuyenera kuti muyenere kukhala ndi katundu (zofunikira zogwirizana ndi katundu), komabe muyenera kusankhidwa mwachisawawa mu loti yanuyo. Chokondweretsa, mudzatha kufufuza mbiri yanu yolemba pa webusaiti ya NYC Housing Connect, komanso mutha kuzindikira kuti zimatenga miyezi iwiri kapena khumi kuti imvekenso poyembekezera mapulogalamu (ndipo omwe sanasankhidwe monga othamanga lolota akhoza osamvanso nkomwe).
Kumbukiraninso kuti muyenera kuyesa kugwiritsa ntchito malo omwe ali pafupi ndi malo omwe mukukhalamo, chifukwa nthawi zambiri amapatsidwa kwa anthu omwe akukhala m'mudzi womwewo monga malo omwe ali nawo. Kuti mudziwe zambiri, pitani ku a806-housingconnect.nyc.gov/nyclottery/lottery.html .
2. MITCHELL-LAMA Nyumba
Pulogalamu ya Nyumba ya Mitchell-Lama (yovomerezedwa ndi Dipatimenti ya Zosungirako Nyumba ndi Kukonzekera, kapena HPD) inakhazikitsidwa kumbuyo kwa zaka za 1950 kuti apereke mwayi wokhala ndi malo ogwira ntchito ogwira ntchito ku NYC. Olemba ntchito angapeze Mitchell-Lama nyumba zomwe zimabwerekedwa kapena kugulitsidwa (mwa co-ops) kudzera m'mndandanda wa zodikira zomwe zimasungidwa ndi chitukuko chilichonse, zomwe maofesi angayesetse kupitilira mwa kulowa mu loti.
Poyendera malo otchedwa Mitchell-Lama Connect, omverawo angayang'ane katundu omwe alipo, alenge akaunti, lowetsani mndandanda wa zolemba zolembera, ndi kufufuza malo olowera kuti mulowemo Dziwani kuti pamene zofunikira zogulira zimakhala zofanana ndi zikhomo zogula ndi zogulidwa, zofunikira zambiri zoyenera kuti muyenerere kugula limodzi la magulu ogwirizana. Zofunikira kuchokera ku ndalama, zofunikira zoyenera zimakhudzana ndi kukula kwa banja ndi kukula kwa nyumba , ndi chitukuko chilichonse chomwe chimapanga zofunikira zake.
Dziwani kuti ambiri a Mitchell-Lama ali ndi mndandanda wautali wodikira, iwo awatsekera iwo kwa tsogolo lowonetsekeratu. Komabe, pali kusintha kwa Mitchell-Lama ndi mndandanda womangirira (zomwe sizikufuna lottery), ndi Mitchell-Lama Zina Zomwe Zimakhala ndi mndandanda wafupikitsa . Kuti mudziwe zambiri, pitani ku a806-housingconnect.nyc.gov/nyclottery/lottery.html.
3. NYC NYUMBA YOPHUNZITSIRA AKULUAKULU (HDC)
Yakhazikitsidwa mu 1971, New York City Housing Development Corporation, kapena HDC, ndiyo yomwe imayang'anira mapulogalamu monga NYC Housing Connect ndi Programme ya Mitchell-Lama Housing, komanso ikuthandizira kupereka ndalama zowonongeka. Gulu lopindulitsa phindu la anthu, zomwe HDC inanena kuti ndizo "kuonjezera kupezeka kwa nyumba zamabanja ambiri, kulimbikitsa kukwera kwachuma, ndi kubwezeretsa malo oyandikana nawo pothandizira kulenga ndi kusungirako nyumba zopanda ndalama zowonjezera a New Yorkers . "
Pambuyo pa NYC Housing Connect ndi Mitchell-Lama Mapulogalamu a nyumba, bungwe limagwira ntchito ndi mabungwe ena kulimbikitsa nyumba zotsika mtengo ku NYC. Mukhoza kufufuza mndandanda wawo ndikugwiritsira ntchito pa ma lotti okhudzana ndi zolembera zamakono zomwe zilipo, ndi mwayi wopempha ndalama zothandizira ndalama zambiri (zomwe mungathe kupeza pano). Palinso ndalama zochepa zogulitsa; tayang'anani mndandanda wamakono pano. Kuti mudziwe zambiri, pitani ku nychdc.com.
4. Nyumba za NYC ZOTHANDIZA & KUKUKHALA (HPD)
Bungwe la New York City of Conservation Conservation and Development (HPD) limapereka ntchito yoti "kulimbikitsa zomangamanga ndi kusungirako nyumba zotsika mtengo, zapamwamba zapamwamba kwa mabanja ochepa komanso ochepa omwe amapeza ndalama zambiri m'madera onse kumtunda uliwonse poyesa kukonza nyumba ndondomeko, ndalama zopititsa patsogolo chitukuko cha nyumba ndi kusungidwa, ndi kuonetsetsa kuti kayendetsedwe kabwino ka mzindawo kagulitsidwe. " Ndilo bungwe loyang'anira ndondomeko ya Boma la Bill de Blasio, Housing New York: Ndondomeko ya Zaka khumi za Borough , yomwe ikuyenera kuyang'anitsitsa - ikufuna kumanga zomangamanga ndi kusungirako nyumba zokwana 200,000 za NYC. pofika 2024.
Alendo ku malo a HPD angayang'ane mwayi wotsegulira malo otsika omwe ali ndi HPD omwe amaphatikizapo malonda, omwe akuphatikizapo NYC Housing Connect ndi Mitchell-Lama nyumba, komanso mwayi wosankhidwa wogulitsidwa mumzinda. Amakhalanso ndi mndandanda wa mwayi wokhala ndi nyumba zapakhomo, zomwe zimapezekanso anthu oyenerera kupyolera mu loti. Mapulogalamu ena othandiza amaphatikizapo pulogalamu ya HPD yoyamba yogula katundu, ndi HomeFirst Down Payment Assistance Program ya anthu ogula nyumba yoyamba. Kuti mudziwe zambiri, pitani ku nyc.gov/site/hpd/index.page.