Kwa 2013
Olembedwa popanda odalira
Maofesi opanda odalira
Kulembedwera ndi odalira
Maofesi Ovomerezeka okhala ndi odalira
Maofesi omwe amadalira
Chilolezo Chachikulu Cha Nyumba (BAH) chimapereka mamembala ogwira ntchito yunifolomu kuti azipeza malipiro owongolera nyumba poyerekeza ndi ndalama zomwe zimagulidwa m'misika yamakono ku United States pamene nyumba za boma siziperekedwa.
Wogwira ntchito yunifolomu yomwe ili kunja kwa US, kuphatikizapo madera ndi katundu wa ku United States, osapatsidwa nyumba za boma, ali woyenera kupita ku Overseas Housing Allowance (OHA).
Mipingo ya BAH ya 2013 inayamba kugwira ntchito pa January 1, 2013 ndi kuwonjezeka kwa pafupifupi 3,8 peresenti. Zowonjezera BAH Mitengo ndizowonjezeka kwambiri pazaka zinayi malingana ndi akuluakulu a chitetezo. Komabe, ngakhale kukula kwakukulu, pafupifupi chimodzi mwa malo asanu chidzawona kuchepa kwake. Amembala omwe akudalira akuwona kuwonjezeka kwa BAH pafupifupi $ 60 pamwezi. Ankhondo akale ndi mabanja awo pogwiritsa ntchito Post-9/11 GI Bill akuwonanso kuwonjezeka kwa nyumba zawo zopindulitsa, zomwe zikugwirizana ndi kuchuluka kwa BAH kwa E-5 ndi odalira.
Kumalo kumene mitengo yacheperachepa, kuchepa kumagwira ntchito kwa anthu omwe angoyambira kumene kumalo awo. Mamembala ali otetezedwa ndi chitetezo cha munthu aliyense chomwe chimatsimikizira kuti awo omwe apatsidwa kale malo omwe sangapezeke sadzawona chiwerengero chawo cha BAH chicheperachepetse, komabe, iwo adzalandira kuwonjezeka ngati mlingo ukupita.
Izi zimatsimikizira kuti mamembala omwe apanga zochitika za nthawi yaitali ngati maukwati kapena mgwirizano sakuwalangizidwa ngati ndalama za m'deralo zimachepa.
Zigawo zitatu zikuphatikizidwa mu kuwerengera kwa BAH: kubwereka kwapakati pa msika wamkati; Zomwe amagwiritsa ntchito (kuphatikizapo magetsi, kutentha, madzi / osungira madzi) komanso inshuwalansi ya renti.
Ndalama zonse za nyumba zimayikidwa kafukufuku wa nyumba zisanu ndi chimodzi (zochokera ku malo okhala ndi zipinda zam'chipinda) m'nyumba iliyonse ya asilikali. Chilolezo Chachikulu cha Maofesi a Nyumba ndiyeno amawerengedwa pa kalasi iliyonse ya malipiro , onse ndi osadalira.
BAH imawathandiza mamembala a Utumiki kukhalitsa moyo wawo mofanana ndi anzawo omwe sagwirizana nawo, koma sichikukonzekera ndalama zonse kwa anthu onse. Zomwe zilipo zitha kukhala zazikulu kapena zochepa malinga ndi kusankha kwa nyumba ndi malo omwe akukhala. Chifukwa mamembala ali ndi ufulu wopanga zosankha zomwe zimagwirizana ndi zosowa zawo, membala angasankhe kugwiritsa ntchito nyumba zawo zonse zolipirira kubwereka nyumba zamtengo wapatali pafupi ndi malo ogwira ntchito, kapena akhale ndi nthawi yayitali kwa nyumba yaikulu kapena yotsika mtengo kumadera akutali.
BAH ndi malipiro, choncho sali pansi pa msonkho.
Mukhozanso kuyang'ana ma BAH mlingo woyenera magome:
2012 BAH
2011 BAH
2010 BAH
2009 BAH
2008 BAH
2007 BAH
2006 BAH
2005 BAH
2004 BAH
2003 BAH
Mafunso Ofunsidwa Kawirikawiri
Ndani ali woyenera BAH? Mmodzi wogwira ntchito yamuyaya ku United States, yemwe sanapereke nyumba za boma, akuyenera kukhala ndi Basic Allowance for Housing (BAH), malinga ndi udindo wa membala, malo ogonjera, ndi ZIP Code.
Wogwira ntchito kunja kwa nyanja (kupatula ku Hawaii ndi Alaska), kuphatikizapo madera ndi katundu wa ku United States, omwe sanapereke nyumba za boma, ayenera kulandira Overseas Housing Allowance (OHA) malinga ndi udindo wodalirika. Ngati membala omwe ali ndi ogonjera (kupatulapo wothandizira kubereka ana) akutumikira ulendo wa kunja kwa UNACCOMPANIED, membalayo akuyenera kulandira BAH pa mlingo wokhala ndi "odzidalira", wotsalira pa US residential ZIP Code, kuphatikiza FSH ku OCONUS PDS, ngati membalayo sadaperekedwe ku boma kunja kwa dziko.
Ine ndinayang'ana mmwamba pakalipano chaka cha BAH kuchuluka kwa kalasi yanga ndi ZIP Code ndipo ndichepera momwe ine ndikuyambira chaka chatha. Kodi ndiwononge ndalama? Ayi. BAH kuteteza chitetezo kumapangitsa munthu kuti asachepetse BAH malinga ngati munthuyo ali ndi "kukhudzidwa kosasokonezeka" kwa BAH.
Izi zikutanthawuza kuti munthu amavomerezedwa mlingo wa 1 Januwari chifukwa cha kalasi ya munthu ndi malo ake kapena malipiro apakhomo omwe amaperekedwa pa 31 December chaka chatha, chomwe chiri chachikulu.
Kodi ndingathenso kutetezedwa ? Zochitika zitatu zosiyana zingayambitse kusintha kwa malo anu omwe "akusokoneza kuyenerera kwanu" kuti mupereke ndalamazo, ndiyeno, pokhapokha ngati malipiro osindikizidwa a kalasi yanu ndi malo anu ali ochepa kusiyana ndi zomwe mukupeza panopa.Pachiyambi, komanso chofala, kuchepa kumachitika pamene iwe PCs kupita ku malo omwe mtengo wamakono uli pansi pa malo omwe akugwira ntchito panopa. Kumalo osungirako ntchito atsopano mumapeza ndalama zochepetsera nyumba, koma simukuyenera kutero, chifukwa ndalamazo zimayendetsedwa ndi ndalama zomwe mumakhala nazo. Chachiwiri, ngati mutayidwa, ndalama zanu zowonjezera zimabwereranso ku tebulo lomwe lafalitsidwa pakalipano la mapepala anu ochepa. Kutsatsa sikumachepetsa malipiro anu. Chachitatu, ngati udindo wanu wodalira umasintha (kuchokera kudalira kwa osadalira, kapena mosemphana ndi zina), ndalama zanu zopezera nyumba zimatsimikiziridwa ndi malo anu atsopano ogonjera ndi tebulo lomwe likufalitsidwa lomwe panopa likupezeka.
Ngati, m'chaka chomwe ndapatsidwa, ndimataya chitetezo cha chitetezo, kodi ndatetezedwa kuti ndisapitirire kuchepa kwa chaka chotsatira? Inde. Munthu amavomerezedwa kuti: (a) pa January 1 adafalitsidwa BAH kuti apange kalasi ndi malo; kapena (b) ndalama zothandizira nyumba zomwe zimaperekedwa pa December 31.
Kodi chiwerengero cha chitetezo chimandichititsa kuti ndisamawonjezere? Ayi. Munthu amavomerezedwa kuti: (a) pa January 1 adafalitsidwa BAH kuti apeze kalasi ndi malo; kapena (b) ndalama zothandizira nyumba zomwe zimaperekedwa pa December 31.
Ngati ndikulimbikitsidwa, kodi ndimapeza ndalama za "BH" zotetezedwa kuti ndipeze ndalama zatsopano? Ayi. Ngati mukulimbikitsidwa, chiwerengero chanu cha BAH ndi BAH yomwe ikufalitsidwa panopa pa kalasi yanu yatsopano, ndi zotsatirazi. Ngati mutengapo mbali, ndipo muli pamalo pomwe BAH yomwe ikufalitsidwa panopa ndi yochepa kusiyana ndi BAH yomwe munalandira kale, mukupitiriza kulandira ndalama zambiri za BAH.
Kodi ndikuwona kusintha kwakukulu kwa malipiro a nyumba pa January 1? Kawirikawiri kusintha kwa ndalama zoperekera nyumba ndizochepa. Ndalama zimawonetsa ndalama zomwe zimagwiridwa ndi kubwereketsa kunyumba. Kawirikawiri, mitengo yamalonda imasintha pakati pa 2% -5 peresenti chaka ndi chaka, ndipo misika "yotentha" imasintha 5% -10%. Malipiro a nyumba amatha kusintha moyenera.
Ndili ndi ndalama zowonjezera! Inde, mamembala ena pa malo akhoza kukhala ndi ndalama zongogulitsa. Ndalama za BAH zimayikidwa pampakati pa kalasi iliyonse komanso ka nyumba. Kwa munthu amene wapatsidwa, ndalama zothandizira pakhomo zingakhale zochitika malinga ndi zosankha zenizeni za nyumba. Ngati membala alipira ndalama zapakati pa msinkhu wanu, wothandizirayo amatenga ndalama zowonongeka. Mwachitsanzo, ngati membala akukhala mu tawuni ya chipinda cha 3 chogona ndi ndalama zomwe zimagula ndalama zokwana madola 1,200, ndipo ndalama zomwe zimakhalapo m'deralo ndi $ 1,100 omwe ali ndi ndalama zokwana $ 100. Chosiyana ndi chowonadi kwa munthu amene amasankha kutenga malo osakwera mtengo. Wembala yekha yemwe ndalama zake zimakhala zenizeni kapena pansi pa wapakati sangakhale ndi ndalama zongogulitsa.
BAH kwa kalasi yanga sindiyamba kubweza ngongole yanga! BAH ikuchokera pazidziwitso. Malipiro ogulitsa ngongole ya mwezi uliwonse sagwiritsidwa ntchito pa chiwerengero chifukwa ndalama zowonongeka kwa mwini nyumba sizisonyezero zabwino za ndalama za umwini. Zomwe zikufunikira kuwerengera izi zikuphatikizapo zovuta kuyeza zinthu monga kuyembekezera kuyembekezera phindu la nyumba, kuchuluka kwa malipiro, malipiro a mpata wokhala ndi chidwi kuchokera kumalipiro, malipiro, ndi ndalama zomwe amapeza chifukwa cha chidwi kuchotsedwa kwa msonkho. Chifukwa chake, BAH akuwonetsa zochitika za msika zopezeka pakalipano osati zochitika zakale zogulitsa ngongole.
Kodi gwero la BAH liti liti? Deta yamakono imapezeka kuchokera kumagulu osiyanasiyana, pogwiritsa ntchito "kufufuza ndi miyeso" njira kuti zitsimikizike kuti zodalirika ndi zolondola za deta. Maofesi omwe akukhala panopa, omwe amapezeka m'manyuzipepala am'deralo ndi malo ogulitsa malo ogulitsa katundu, ndi ofunika, koma osati athu okha, magwero a deta. Zolinga zimasankhidwa mwachisawawa, ndipo zimagwiritsidwa ntchito pulojekiti yowonongeka kuti ikhale yolondola komanso yodalirika. Kuyankhulana kwa foni kumatsimikizira kuti malo ndi malo enieni a nyumba iliyonse amakhala ndi sampuli. Chitsanzocho chakonzedwa kuti chikhale ndi chiwerengero cha chikhulupiliro cha 95 peresenti kapena chapamwamba. Mndandanda wamakalata a nyumba zam'nyumba ndi makampani ogulitsa katundu wogulitsa ntchito amagwiritsidwa ntchito kuti azindikire mayunitsi a mitengo yamalonda. Zimakhalanso zachizoloŵezi kukaonana ndi akatswiri ogulitsa nyumba zamalonda kudera lanu kuti apeze chitsimikizo chofunikira ndi zina zowunikira deta. Ngati zilipo, maofesi a malo ogwira ntchito / malo ogwira ntchito / maofesi amawunikira kuti apange luso la usilikali komanso amvetsetse mavuto omwe ali nawo omwe ali ndi mamembala ovala yunifolomu. Potsiriza, DoD ndi Services zimayesa kufufuza malo pa malo osiyanasiyana kuti atsimikizire ndi kutsimikizirika kuti ndizodalirika komanso zolondola za deta yamtengo wapatali. Zowonjezera zamtsogolo zimaphatikizapo kufufuza ntchito zomwe zingagwiritsidwe ntchito pa intaneti komanso nyumba zomwe zilipo kuchokera ku mabungwe ena a boma.
Kodi ndi chiyani chomwe chimaphatikizapo ndalama zapakati pa nyumba? Misonkho yamakono yamakono, malonda okhudzidwa ndi inshuwalansi.
Kodi kukula kwa banja kumapangitsa kusiyana? Ayi. Ngakhale kuti BAH amasiyanitsa pakati pa wodalirika ndi wosadalira, malipiro omwe amadalirikawo amachokera ku anthu ofanana omwe amagwiritsa ntchito kukula kwa banja lawo.
Nchifukwa chiyani munthu wina akukhala mumzinda wina akupeza BAH zambiri kuposa ine, pamene ndikuwoneka kuti nyumba zimakhala zodula apa? Kutsimikiza molondola ngati malo amodzi ali ndi malonda okwera mtengo kwambiri kuposa wina ndi sayansi ndi zowerengetsera zochitika. Nthawi zina, anthu amadalira zochitika zawo zochepa kapena nyuzipepala ndi magazini kuti apange chiweruzo chimenecho.
Kodi BAH-Diff ndi chiyani? BAH-DIFF ndi ndalama zothandizira anthu omwe ali ndi gawo limodzi ndipo amavomereza BAH chifukwa cha kulipira kwa mwanayo. Mmodzi saloledwa kukhala BAH-DIFF ngati mlingo wamwezi uliwonse wothandizira mwanayo ndi wochepa kuposa ndalama za BAH-DIFF. BAH-DIFF ndalama, zomwe zinayamba kuwerengedwa mu 1997, zimasinthidwa pachaka malinga ndi kusintha kwa Basic Pay tables. Kuti mudziwe zambiri funsani ofesi yanu yothandizira ndalama kapena funsani JFTR, ndime. U10008.
Ndasudzulidwa ndi ana , kodi ndalama zanga za BAH ndi ziti? Zimadalira ngati muli ndi udindo wodalirika wa ana anu kapena ayi, kulipira thandizo la ana, ndi / kapena kukhala mu nyumba za boma zosiyana. Ngati muli ndi udindo wololedwa ndi ana anu, ndiye kuti mwavomerezedwa ndi BAH pokhapokha ngati simunapatse malo ogona a boma. Ngati mwamuna kapena mkazi wanu wakale ali ndi ufulu wothandizira ana anu (pokhapokha ndalama zanu za BAH-DIFF mlingo ) mumaloledwa kuti BAH azikhala ndi ndalama zokhazokha, ngati simukukhala m'boma kapena BAH-DIFF ngati muli ndi mtundu umodzi nyumba za boma.