Amaxabiso kumakhaya abanjwe ngumnikazi ahlala aphantsi xa kuthelekiswa nomyinge wesizwe
Abanikazi bezindlu base-Arizona bahlawula irhafu yepropati kwixabiso elivandlakanyweyo kwipropati ehlawulwa irhafu kwiphondo, ngesilinganiso semilinganiselo ye -8,8 ekhulwini, ngaphantsi kwe-avareji kazwelonke ye-1.211 ekhulwini. Isamba sentela yepropati esebenzayo kwisiqendu ngasinye sepropati esilingana nesisombululo seburhulumenteni, urhulumente, umasipala, isikolo, kunye nezithili zemfundo ezizodwa, ezihluka ukusuka kwidolophini ukuya kwisixeko kwaye zisuka kwidolophu ukuya kwinqanaba.
Ixabiso eliVandlakileyo kunye nexabiso lentengo
Ipropati e-Arizona kunye nabanikazi bepropati baya kubala ngokukodwa irhafu yabo ekulindelekileyo njengerhafu ye-10 yexabiso, becinga ukuba baya kuhlawulwa i-35,000 ngonyaka ngonyaka kwiintlawulo kwizindlu ezingama-350,000.
Ngokuqinisekileyo, irhafu yepropati e-Arizona kwiindawo zokuhlala ezihlala kumnini zihlawulwa ngokusekelwe kwinqanaba lexabiso eliphantsi (i-LPV) okanye ixabiso elivandlakanyweyo. Awuyihlawula irhafu yakho yezindlu ezixhomekeke kwixabiso elipheleleyo lemali (FCV) okanye ixabiso lemarike yangoku yepropati yakho. KwiNgingqi yaseMaricopa , apho iPhoenix neS Scottsdale ikhona khona, isilinganiso sokuvavanya kwipropati yokuhlala yokuhlala esinezindlu i-10 ekhulwini.
I-LPV ihlala iphantsi kwe FCV, kwaye ngomthetho ayikwazi ukuphakama. Ngoko, ukuba ikhaya lakho le-LPV lisungulwe kwi-$ 200,000, uhlawula irhafu yepropati esekelwe kwixabiso elivandlakisiwe lama-20,000. Umthetho ka-2012 uvimbela i-LPV ikhuphukela kuma-5 ekhulwini okanye ngaphantsi komnyaka unyaka, oku kuthetha ukuba irhafu yepropati ayisoloko ihamba ngokunyuka kwexabiso lempahla.
YeRhafu yePropati yaseArizona
Izixeko, izikolo, izithili zamanzi, iikholeji zasekuhlaleni, kunye nemiba enxulumene nokubambisana nazo zonke igalelo ekufumaniseni izinga lakho lerhafu. Isilinganiso semirhumo yerhafu emakhaya ase-Arizona ngaphambi kokuba ukukhululwa kunye neempesheni zihlala kumhlaba phakathi kwe-$ 12 kunye ne-13 yezigidi ezili-100 zexabiso elilinganiselwa ku-100 (i-2016).
Ngoko ke, kulandelelana ukuba ukuba i-LPV yasekhaya yasePhoenix isungulwe kwii-200,000 zamaRandi, kunye nexabiso elivivinywe ngama-20,000, kwaye iirhafu zakho zepropati ziyi-$ 13 nganye kwi-100 yenani elivandlakanyweyo, uza kuhlawula i-$ 2,600 ngonyaka kwerhafu yepropati.
Gcina ukhumbule ukuba ukucatshulwa kweepesenti ezingama-13 zenani elivandlakanyweyo kwimizekelo kuphela.
Isantya serhafu ngokwenene nawuphi na unyaka sinokuphakanyiswa okanye siphantsi. Iyakwazi ukuhluka ukusuka kwisixeko ukuya kwisixeko ngaphakathi kuMasipala waseMaricopa kwaye inokuthi ihluke apho kunezinye iinqununu zaseArizona.
Iirhafu zerhafu zaseprayimari zixhaswa ngamashishini karhulumente ngelixa iirhafu zerhafu zesekondari zixhasa iingingqi ezizodwa kunye nemiba ekhonkco Kwimizi egcinwe ngumnikazi, isantya sohlawuli-ntlawulo yiprayimari ayinakudlula ipesenti ezi-1 zexabiso elincinci lepropati. Urhulumente ngokubonelela unikezela ngekhefu lorhafu kubanikazi bepropati ezigqithiseleyo kumngqimba, ukunciphisa irhafu yesithili somnini-mali ukuba ihlawule, ngoko ke igubungele umahluko. Amakhaya anabantu abahlala ngaphandle komnikazi, umzekelo, izakhiwo zokuqashisa okanye ezo zigcinwe njengeeholide okanye amakhaya asemibini, azifaneleki ukuncitshiswa.
Xabiso elivandlakanyweyo
Unokufumana ixabiso elivandlakisiwe kwikhaya kwiNgingqi yaseMaricopa kwiwebhusayithi yoMhloli we-Maricopa County.
Inani elipheleleyo lemali, inani elihlolwe ngumhloli ukuba lichonge inani elivandlakanyweyo, lingafaneli lifike kwixabiso lentengiso. Oku kungabonakalisa ixesha lokuthengisa impahla apho ixabiso li sekelwe okanye lijikelezwe yi-ofisi yomhloli (kwaye zihlala zijikeleze ngokufanelekileyo). Ukuba usebenzisa ixabiso lemarike langoku lekhaya lakho njengesiqikelelo, irhafu yakho yepropati yaseArizona iya kuba isezantsi xa ufumana ibhilikhi yakho.
Unyaka ngamnye, umhloli uthumela uvavanyo oluhlaziyiweyo malunga nexabiso lekhaya, eliya kuhlawulwa irhafu yakho yepropati. I-ofisi yomhloli isebenzisa ukudibanisa ulwazi, kubandakanywa ukuthengisa kwangaphambili kummandla, umgama ukusuka kwiintlangano eziphambili okanye kwiindawo ezahlukahlukeneyo, ulwahlulo, imbonakalo, imifanekiso egciniweyo, ubungakanani bempahla kunye nezinto ezingaphezulu. Ikhompyutheni ihlalutya ulwazi oluqokelelweyo ukuseka ukulinganisa kwakho. Ukuba awuvumelani nolwazi olufumene kumhloli, unokwenza isibheno zingakapheli iintsuku ezingama-60 zomhla umvavyileyo uthumele isaziso. Kodwa qaphela izikhwama zicela ukuba uhlawule umrhumo wokunciphisa irhafu yakho yepropati okanye ufake isikhalazo.
Iikholeji zerhafu yePropati
Umgcinimafa we-Maricopa County usithumela ibhilikhwe yonyaka-mali kumnini wekhaya okanye kwiqela elichongwe ngumnini (njengenkampani yokubolekisa imali, ukuba unenxeba yenyanga yerhafu ye-Arizona).
Khumbula, umhloli uqikelela ixabiso lepropati kunye nondyebo-mali zakho kwiirhafu zepropati yakho yase-Arizona.
Iirhafu zerhafu kunye nemithetho echazwe apha yile nkcukacha kuphela kwaye ingatshintshwa ngaphandle kwesaziso. Nceda uqhagamshelane nomcebisi wakho weerhafu ngemibuzo ethile malunga nentlawulo yepropati yakho.