Sida loo helo meel ay ku noolaadaan
Ma waxaad raadineysaa meel ay ku noolaadaan? Housing ee USA inta badan waa qaali. Waxaa laga yaabaa in ay adag tahay in la helo meel fiican inaad ku noolaato xaafad nabad ah. Waxaad sidoo kale laga yaabaa inay wareersan by sida loo helo meel ay ku noolaadaan. Boggan wuxuu siiyaa macluumaad muhiim ah oo ku saabsan biilasha bixinta, ku nool deriska dhow, iyo lahaanshaha guriga.
Are you looking a place to live? Housing in the USA is often expensive. It may be hard to find a nice place to live in a safe neighborhood. You may also be confused by how to find a place to live. This page provides important information about paying bills, living near neighbors, and home ownership.
Gurigaagu waa meel muhiim ah. Waxaa jirta odhaah ee dalka Mareykanka: “Home waa meesha wadnaha waa.” Taas macnaheedu waa guryaheena jirka - meelaha aan ku nool nahay - dadka iyo waxyaalaha aan jeclahay astaan. Qaxooti badan qaadan kibir guryahooda cusub. Lahaanshaha ammaan ah, meel raaxo leh in ay ku noolaadaan ka caawin doontaa ka dhigi Maraykanka dareemayaa guriga. baahida guryaha Refugee way kala duwan yihiin, waayo qoys kasta, laakiin waxaa jira noocyo badan oo kala duwan oo guryaha ka soo xusho.
Your home is an important place. There is a saying in the United States: “Home is where the heart is.” This means our physical homes – the places we live – symbolize the people and things we love. Many refugees take pride in their new homes. Having a safe, comfortable place to live will help make the United States feel like home. Refugee housing needs are different for each family, but there are many different types of homes to choose from.
Types of housing
Kiraysiga meel lagu noolaado
Renting a place to live
Homes ee dalka Mareykanka waxay noqon kartaa guri (qayb is-jira ee dhismaha weyn a) ama guri hal. inaad kireysato guri, waa in aad bixiso lacagta bil kasta milkiilaha. Waxaad saxiixi doona heshiis kiro, taas oo ah heshiis ayaa sheegay in aad kirada iyo biilasha kale bixin doonaa bil kasta.
Homes in the United States can be apartments (a self-contained part of a larger building) or a single house. To you rent a home, you must pay an amount every month to the owner. You will sign a lease, which is an agreement that says you will pay your rent and other bills each month.
Wadaagista guri ama guri
Sharing a house or apartment
guryaha la wadaago waxay ka dhigan tahay guri ama guri dabaq ah waxa Americans wac aad kireysato degganahay - dadka kale ee ku nool guriga isku mid ah ama guri adiga iyo qoyskaaga la. Waxaa inta badan ka jaban tahay kiraysiga meel adiga kuu gaar ah sababtoo ah waxaad kala dillaaci kartaa kharashka kirada iyo biilasha (korontada, kululaynta iwm). Sida caadiga ah qof walba uu leeyahay qol u gaar ah oo ay wadaagaan qolka fadhiga a, jikada iyo musqusha.
Shared housing means you rent a house or an apartment with what Americans call roommates – other people living in the same house or apartment with you and your family. It is often cheaper than renting your own place because you can split the cost of the rent and utilities (electricity, heating etc). Usually everyone has their own bedroom and they share a living room, kitchen and bathroom.
Owning a home
Gadashada guri oo dalka Mareykanka ah waa qaali. Marka aad guri iibsato, aad caadi ahaan u baahan yihiin in ay leeyihiin lacagta badbaadiyey inay bixiso lacag hormaris ah (boqolkiiba ee kharashka guud ee guriga), ka dibna waxa aad inta badan amaahato lacag si loogu bixiyo inta kale ee guriga. bil kasta aad bixiso lacag deyn aad u bangiga lacag aad amaahatay. Marka aad guri iibsato, waxa kale oo aad leedahay kharashyo kale, oo ay ku jiraan caymiska, canshuuraha iyo dayactirka guriga.
Buying a home in the United States is expensive. When you buy a home, you normally need to have saved money to pay for a down payment (a percentage of the total cost of the house), and then you often borrow money to pay for the rest of the house. Each month you pay your mortgage payment to the bank for the money you borrowed. When you buy a home, you also have other expenses, including insurance, taxes and home repair.
Raadinta meel aad kireysato
Looking for a place to rent
Helitaanka meel aad kireysato waa adag. Waxaa had iyo jeer waa tartan badan oo loogu talagalay guryaha kirada la awoodi karo. Waxaa jira laba nooc oo ah guryaha waxaad isku dayi kartaa marka aad raadinayso meel ay ku noolaadaan oo ku saabsan dakhliga kooban:
Finding a place to rent is hard. There is always a lot of competition for affordable rentals. There are two types of housing you can try for when you are looking for a place to live on a limited income:
guryo la awoodi karo
Magaalooyinka waaweyn iyo kuwa yar yar qaar ka mid ah, waxaa ka jira ururo aan macaash doon ahayn iyo hay'adaha dowladda oo hoy siiya dadka dakhligoodu hooseeyo. Nasiib darro waxaa sida caadiga ah waa sugidda dheer guriyayn jaban. Laakiin haddii ay jiraan guryo la awoodi karo meesha aad degan tahay, waxaa inoo wanaagsan si aad u hesho liiska sugitaanka. Hay'adda la-talinta guryaha ah ayaa kuu sheegi kara waxa guryo la awoodi karo waxaa laga heli karaa. Waxaad ka raadin kartaa in baalal labada hay'adaha guryaha dadweynaha degaanka iyo hay'adaha la-talinta meesha aad degan tahay.
In large cities and some smaller ones, there are non-profit organizations and government agencies that provide housing for low-income people. Unfortunately there is usually a long wait for affordable housing. But if there is affordable housing in your area, it is good to get on the waiting list. A housing counseling agency can tell you what affordable housing is available. You can search to fins both local public housing agencies and counseling agencies in your area.
Waxa kale oo aad ka raadin kartaa urur maxalli ah in aad bulshada ee FindHello. Dooro luqadaada, markaas dooran magaalo aad. ka dibna dooro “Housing & Cuntada.” Haddii ay jiraan wax ku qoran ee aad bulshada, baadhaan internetka. Nooca “guryo la awoodi karo in [magacaabi magaalada aad].”
You can also search for a local organization in your community in FindHello. Choose your language, then choose your city. Then select “Housing & Food.” If there is nothing listed for your community, search on the internet. Type “affordable housing in [name of your city].”
Kiraynta gaarka ah
Kiraynta gaarka ah Cheap is buuxiyey sida ugu dhakhsaha badan ay waxaa lagu xayeysiiyaa. Waxaad u baahan doontaa in la helo liiska ugu wanaagsan oo iyaga ka hubi maalin kasta. bogagga liiska qaar ka mid ah ku wargelin doono markii xayeysiis cusub posted. Halkan waxaa ku qoran liiska goobaha la kireysto guri iyo apps fiican. Bogga internetka ee craigslist waa goobta ugu used waayo, guryaha kirada. Laakiin on Craiglist, aad leedahay si taxaddar dadka isku dayaya in ay aad khiyaameeyaan. Qaar ka mid ah xayeysiiska waa been abuur. Marna lacag ama macluumaad shakhsi ah in qof kasta u soo diri online. marnaba u baahan tahay inaad bixiso kirada ilaa aad heshiis.
Cheap private rentals get filled as soon as they are advertised. You will need to find the best listings and check them every day. Some listings pages will notify you when new advertisements are posted. Here is a list of the best apartment rental sites and apps. The website Craigslist is the most used site for rentals. But on Craiglist, you have to be careful of people trying to cheat you. Some of the ads are fraudulent. Never send money or personal information to anyone online. You never need to pay rent until you have an agreement.
laga yaabaa in aad rabto in aad kiraysato meel adiga kuu gaar ah, gaar ahaan haddii aad ka sii badan yihiin hal qof kaliya. Laakiin inta badan waxaad yeelan doontaa fursad wanaagsan oo ah helida meel haddii aad ku taameysid in guri ama guri la wadaago. Tani waa run gaar ee weyn culayskan meesha kirada waa mid aad u sarreeya. Sharing ka dhigan tahay ma ahan oo keliya wadaaga ijaarka, laakiin dadka kale ee ka shaqeeya la wadaago oo dhan kharashaadka kale. Haddii aad diyaar u yihiin inay la wadaagaan, dhab ahaantii laga yaabaa inaad meel gooyeen, la meel dheeraad ah ama la yard ah, maxaa yeelay la degganahay aad awoodi karin wax ka wayn.
You probably want to rent your own place, especially if you are more than just one person. But often you will have a better chance of finding somewhere if you consider sharing a house or apartment. This is especially true in big cites where rents are very high. Sharing means not just sharing the rent, but sharing all the other costs with other working adults. If you are prepared to share, you may actually end up in a nicer place, with more space or with a yard, because with roommates you can afford something bigger.
Ijaarashada iyo xuquuqda
Renting and rights
Haddii aad kiraysanayso guri, waxaad leedahay xuquuq dhowr ah. Waxaad xaq u leedahay in ay ku noolaadaan meel daahir, leedahay dhiqle lahayn, oo uu leeyahay kulaylka iyo biyo. In Maraykanka, waxaa jira sharci ah in milkiilaha ma takoori karo ka dhanka ah. Taas macnaheedu waxa weeye ma mulkiiluhu kuma odhan karto codsiga aad kirada sababtoo ah jinsiyaddaada, qowmiyadda, ama diin. Waxaa sidoo kale jira sharciyo gaar ah ee gobolo kala duwan oo ku saabsan sida badan dadka ku noolaan karaan in aad guriga iyo waxa waa in kireeyuhu aad for. Hud.gov waa website waxbarasho oo ku saabsan guryaha. Waxaad baran kartaa waxyaabaha ku saabsan takoorka guriyeynta iyo xuquuqda kiraystaha ee gobolka.
If you are renting a home, you have several rights. You have the right to live in a place that is clean, has no bugs, and has heat and water. In the United States, there is a law that a landlord cannot discriminate against you. This means a landlord cannot say no to your rental application because of your race, ethnicity, or religion. There are also specific laws in different states about how many people can live in your apartment and what your landlord must provide for you. Hud.gov is an educational website about housing. You can learn about housing discrimination and tenant rights in your state.
Saxiixa heshiiska kirada
Signing a lease
lease A waa dukumenti qoran in aad saxiixdo marka aad kiraysato meel ay ku noolaadaan. heshiiska kirada waa heshiis u dhexeeya adiga iyo mulkiilaha, milkiilaha unugga kirada. In heshiiska, aad ogolaato inaad bixiso kirada iyo biilasha waqtiga bil kasta iyo mulkiilaha ogolaado in ay bixiyaan ammaan ah iyo fayadhowr (oo nadiif ah oo cayayaanka lahayn) unit kirada.
A lease is a written document that you sign when you rent a place to live. The lease is an agreement between you and the landlord, the owner of the rental unit. In the lease, you agree to pay your rent and bills on time each month and the landlord agrees to provide a safe and sanitary (clean with no bugs) rental unit.
Ka hor inta aadan calaamad
Before you sign
Ka hor inta aadan saxiixin heshiiska kirada, loo hubiyo in ay eegaan unugga kirada mulkiilaha. Haddii ay jiraan wax jebiyo, ama haddii meesha waa wasakh, weydii mulkiilaha in ay qoraan in hoos heshiiska. Sidaas waxaad yeelan doontaa cadayn ka dib in aad kama ay jebin wax ama aad u wasakh.
Before you sign your lease, make sure to look at the rental unit with the landlord. If there are things broken, or if the place is dirty, ask the landlord to write that down on the lease. That way you will have evidence later that you did not break anything or make it dirty.
Bixinta lacag dhigaal ah ammaanka
Paying security deposits
Marka ugu horraysa ee aad u soo guurto, laga yaabaa in aad lacag deebaaji ah. Lacagtan waxaa lagu hayaa by mulkiilaha ilaa aad ka guurto ay dhacdo in aadan bixin kiradaada, ama haddii aad ka dhigi unugga kirada aad u wasakh oo ay leeyihiin in ay bixiyaan in la nadiifiyaa. Haddii aad bixiso kiradaada oo nadiif ah guriga marka aad ka guurto, markaa waa in aad hesho lacag deebaaji aad idiin ku soo laabtay. Qaar ka mid ah heshiisyada aad u baahan tahay si aad u nadiifiso rooga si ay dib ugu hesho deposit. U hubso in aad u hubiso in rooga in aad guriga waxaa loo nadiifiyaa markaad soo degtay. Haddii aan la nadiifin, weydii mulkiilaha in ay ku riday qoraal in aanad haysan si aad u nadiifiso rooga. Haddii aadan haysan waxaad si aad u nadiifiso rooga, waxaad kiraysan kartaa mashiinka a qiimo hooseeyo halkii isagoo si ay u bixiso shirkad lacag badan si aad u nadiifiso rooga.
When you first move in, you may have to pay a security deposit. This money is kept by the landlord until you move out in case you do not pay your rent or if you make the rental unit very dirty and they have to pay to have it cleaned. If you pay your rent and clean the apartment when you move out, then you should get your deposit money returned to you. Some leases require you to clean your carpet in order to get your deposit back. Be sure to check if the carpet in your apartment was cleaned when you moved in. If it was not cleaned, ask for the landlord to put in writing that you do not have to clean the carpet. If you do have to clean the carpet, you can rent a machine for a low price instead of having to pay a company a lot of money to clean the carpet.
Length of lease
Heshiisyada waxaa u saxiixay tiro cayiman oo bilood. kiro intooda badan waa lix bilood ama hal sano. Waxa kale oo laga yaabaa in aad awoodid in aad saxiixdo heshiiska kirada bil-ka-bil. Taas macnaheedu waxa weeye inaad ka guurto karaa wakhti kasta oo aad rabto in aad. Si kastaba ha ahaatee, sida caadiga ah aad weli in aan u sheego mulkiilaha bil ka hor in aad u guurto doonaa, oo waa inaad bixiso kirada iyada oo loo marayo dhamaadka heshiiska.
Leases are signed for a certain number of months. Most leases are for six months or for one year. You might also be able to sign a month-to-month lease. This means you can move out any time you want. However, you would still normally have to tell the landlord a month in advance that you will move and you must pay rent through the end of your agreement.
heshiiska Inta badan waxaad u baahan doontaa in la siiyo tiro cayiman oo maalmo’ aragto ka hor inta aad ka guurto. Haddii aad doonaysid inaad ka guurto kirada, iska hubi heshiiska si aad u aragto sida ay maalmo badan ka hor wakhtiga aad u baahan tahay inaad u sheegto milkiilaha guriga uu kuu soo wareegi doonaan.
Most leases will require you to give a certain number of days’ notice before you move out. If you are going to move out of your rental, be sure to check your lease to see how many days ahead of time you need to tell your landlord you will be moving.
Mail iyo biilasha
Mail and bills
Marka aad hesho meel ay ku noolaadaan, waxaad u baahan doontaa inaad bixiso biilasha waqtiga. Waxaad u badan tahay in ay heli doonaan, waayo, biilasha korontada iyo biilasha kale ee boostada.
When you find a place to live, you will need to pay your bills on time. You will probably get bills for electricity and other utilities in the mail.
Kirada waa caadi ahaan sabab Maalintii ugu horraysay ee bisha ama maalinta bisha in aad marka hore u dhaqaaqay in. Isku day in aad mar walba bixiso kiradaada la isticmaalayo jeeg, halkii ay lacag caddaan ah. Had iyo jeer weydii rasiid si aad cadeyn u tahay in aad bixisay.
Rent is normally due on the first of the month or on the day of the month that you first moved in. Try to always pay your rent using a check, instead of cash. Always ask for a receipt so that you have proof that you paid.
Weydii mulkiilahaada meesha aad boostada ku yaalaa oo hubi inaad si joogto ah u hubi mail. Waxaad u baahan doontaa inaad buuxiso foomka xafiiska boostada haddii aad guurto. Marka aad buuxiso, aad mail loo soo diri doonaa in aad cinwaanka cusub.
Ask your landlord where your mailbox is located and be sure to check your mail regularly. You will need to fill out a form at the post office if you move. When you fill it out, your mail will be sent to you at your new address.
Sida caadiga ah, waxaad u baahan doontaa inaad bixiso biilasha aad ku jirto korontada, gaaska dabiiciga ah ama saliid, biyaha, TV / internet, telefoonka, qashinka, bulaacada, iwm. Mararka qaarkood, qaar ka mid ah ama korontada oo dhan waxaa ka mid ah in aad kirada, laakiin inta badan aad u leeyihiin in ay si gaar ah u bixiso. Waxaad badbaadin kartaa lacag on biilasha aad xejisto kulaylka hooseeyo iyo xidhashada dhar diiran ee guriga, iyo deminta nalalka bareesada qalabka elektarooniga ah marka ay aan loo baahnayn.
Usually, you will have to pay for your utilities including your electricity, natural gas or oil, water, TV/internet, telephone, trash, sewer, etc. Sometimes, some or all utilities are included in your rent, but most of the time you have to pay them separately. You can save money on your utilities by keeping your heat low and wearing warm clothes in the house, and by turning off lights and unplugging electronic devices when they are not needed.
Buying a house
Gadashada guri malaha waa gadashada ugu weyn ee aad abid ka dhigi doonaa. Waxaa jira badan oo arrimaha sharciga kuu, bangiga, iyo qofka guriga iibinaya. US Department of Housing iyo Horumarinta Magaalooyinka ayaa macluumaad weyn oo ku saabsan gadashada gurigaaga ugu horeysay iyo barnaamijyo-markii ugu horeysay oo iibsada dakhligoodu hooseeyo guriga.
Buying a house is probably the largest purchase you will ever make. There are lots of legal issues for you, the bank, and for the person selling the home. The US Department of Housing and Urban Development has great information about buying your first home and programs for first-time and low-income home buyers.
Waxaad ka eegi kartaa si aad u ogaato barnaamijyada homebuying inuu kaa caawiyo inaad guri iibsato magaalada ama gobolka aad.
You can look to find homebuying programs to help you buy a home in your city or state.
Smartasset.com ayaa qalab fiican si ay u caawiyaan aad go'aansato in aad kireysato ama iibsato guri. Waxay kaa caawin karaan in aad baratid haddii aad awoodi karin inuu guri ka iibsado.
Smartasset.com has good tools to help you decide to rent or buy a house. It can help you learn if you can afford to buy a house.
Waxaa had iyo jeer waa muhiim in la leeyihiin xiriir wanaagsan la deriskaaga, meel kasta oo aad ku nooshahay. Laakiin xiriirka this laga yaabaa in uu ka duwan yahay wadankaada hooyo. Tusaale ahaan, wadanka aad, laga yaabaa in aad soo booqato deriskaaga wakhti kasta oo ah maalintii. In USA, dadka inta badan wac ka hor inta aysan booqan saaxiib ama deris. Sidoo kale waxaad isku daydaa inaad ixtiraam deriskaaga. Dad badan oo Maraykan ka fekeraan hantidooda sida hanti gaar ah. Iyagu ma jeclaan laga yaabaa in haddii aad ku socotaan ay dayrka ama park hore ee gurigooda.
It is always important to have a good relationship with your neighbors, wherever you live. But this relationship might be different than in your home country. For example, in your country, you might visit your neighbor at any time of day. In the USA, people often call before they visit a friend or neighbor. You should also try to be respectful of your neighbors. Many Americans think of their property as private property. They might not like it if you walk in their yard or park in front of their house.
Sidoo kale waa in aad ogaataa inta qayladii aad samaynayso. Isku day inaad xasilloonaataan oo u dhexeeya 8 p.m. iyo 8 a.m., waqtiga caadiga ah ee inta kale ee USA.
You should also be aware of how much noise you are making. Try to be quiet between 8 p.m. and 8 a.m., the usual time of rest in the USA.
Haddii aad yeeshaan xiriir wanaagsan la deriskaaga, wanaagsan ee qoyskaaga waxay noqon kartaa. Marka deriska cusub guurin, aad naftaada ku bilaabi kartaa oo waxaad iyaga keentaa cunto ama saxan ee kuula dhaqmo.
If you develop a good relationship with your neighbors, this can be good for your family. When new neighbors move in, you can introduce yourself and bring them a meal or plate of treats.
Haddii aad dhibaato ka qabo mid ka mid ah deriskaaga, isku dayaan in ay ka hadlaan iyaga oo sharax xaalada. Tusaale ahaan, haddii qof isagoo cod weyn habeenkii, warsato xunna haddii ay noqon kartaa mid aamusan, maxaa yeelay, carruurtaada aad la hurda. Haddii aad u baahan tahay caawimaad dheeraad ah waxaad u sheegi kartaa milkiilaha ku saabsan dhibaatada oo weydii in aad la hadasho deriskaaga.
If you are having a problem with one of your neighbors, try to talk to them and explain the situation. For example, if someone is being loud at night, ask them nicely if they can be quieter because your children are sleeping. If you need more help you can tell your landlord about the problem and ask them to talk to your neighbor.