Indlela iBAH yezempi inqunywe ngayo
I-BAH isekelwe uhlobo lwezindlu ezisendlini ezigunyaziwe kulolu daba oluthile lwezempi, isimo sokuthembela, kanye nemakethe yezindlu zendawo.
Umlando weSivumelwano Esiyisisekelo seZindlu
I-BAH yaqala ngoJan.
1998, esikhundleni se-Variable Housing Allowance (VHA) ne-Basic Allowance ye-Quarters (BAQ). Ngaphansi kwesimiso se-VHA / BAQ esidala, amalungu ahlolwe minyaka yonke ukuze abone ukuthi bangakanani izindleko zezindlu. Kodwa-ke, amalungu amaningi akhetha ukuhlala ezindaweni ezingaphansi, okusho ukuthi izinhlolovo zibonise ukuthi zikhokha kancane, zithinta amazinga avunyelwe. Ngaphansi kohlelo lwe-BAH, izindleko zezindlu zoMnyango wezokuPhepha (DOD) zindleko ezisezindaweni zempi ukuze zithole amanani.
Njengengqikithi ye-BAQ ne-VHA, i-BAH ihlukanisa phakathi kwabathembeki nabangenalutho, kodwa hhayi inani labathembeki. Amazinga we-BAH ahlanganiswa njengama-dollar ephelele, ajikeleza kudola elikude.
Ukuthuthukiswa kohlelo lokunikezelwa kwezindlu
Isizathu esiyinhloko sokwabiwa kwe-BAH entsha kwakuwukuqaphela ukuthi uhlelo lwe-VHA / BAQ lwezindlu zokuhlala lwezindlu alukwazi ukuhambisana nezindleko zendlu, futhi amalungu ayaphoqeleka ukuba akhokhe izindleko ezinkulu ezingaphandle kwe-pocket kunalokho okuhlosiwe ekuqaleni.
Nge-BAH, ukwanda kwenzelwe ukukhula kwezindleko zendlu kunokuphakanyiswa kweholo, ngaleyo ndlela kuvikela amalungu kunoma yikuphi ukwanda kwamanani okuhlala kwezindlu ngokuhamba kwesikhathi.
I-BAH entsha iklanyelwe ukuba ibe yinto ehlelekile, ngoba ilungu lomsebenzi elijwayelekile lezinga elinikezwayo nesimo sokuxhomeka esifike esiteshini somsebenzi esisha kuyoba nenani elifanayo lezinyanga ezingu-dollar ngaphandle kwendawo.
Isibonelo, uma i-out-of-pocket ebiza imali ejwayelekile ye-E-5 enabantu abancike yi-$ 100, ejwayelekile (ephakathi) E-5 nabancike bangalindela ukukhokha imali engu-$ 100 ngaphandle kwezindlu uma kunikezwe i-Miami, entsha I-York, iSan Diego, i-Fort Hood, i-Camp Lejeune, i-Minot, i-ND, nanoma iyiphi enye indawo yokusebenzela e-US Uma ilungu lifika, ukukala izinga lokuvikelwa kusebenza, futhi ilungu lithole ukwanda okushicilelwe, kodwa akukho ukwehla kwezibonelelo zezindlu. Kumalungu esiteshini somsebenzi esinikeziwe lapho ama-BAH amasha eqala ukusebenza, qinisekisa ukuqinisekiswa okuvikelwe ukuthi okungaveli ngaphandle kwephaketheni kungase kube ngaphansi, kodwa kungaphezu kwalokho, kunalokho lapho befika khona. (Qaphela: Kusukela ngoJanuwari 1, 2005, i-BAH ibalwa ngezindleko ezingaphandle kwe-pocket).
Ngomuntu onikeziwe, izindleko zangaphandle ze-pocket zingase ziphakeme noma ziphansi kunezinto ezivamile, ngokusekelwe ekukhethweni kwezindlu. Isibonelo, uma ilungu likhetha indawo enkulu noma ebiza kakhulu kunomuntu ophakathi, lowo muntu uyoba nezindleko ezinkulu eziphuma ngaphandle. Okuphambene nalokho kumuntu okhetha ukuhlala endaweni encane noma engabizi kakhulu.
Izindleko zezindleko zezindlu zengaphansi kwe-BAH
I-BAH isebenzisa indlela esekelwe ezomphakathi yokulinganisa izindleko zezindlu ezifananelana nazo eziphakeme kunezingqalasizinda zezindlu ze-VHA ezihlola izindleko zamalungu ezindlini.
Okokuqala, amalungu akudingeki abhekane nokuhlukunyezwa kokuhlolwa kwe-VHA yonyaka. Okubaluleke nakakhulu, i-BAH iqeda lokho okuthiwa, "Ukufa Kwemvelo." Ngaphansi kwe-VHA / BAQ, amalunga abhala phansi ezindlini bese ebika izindleko eziphansi zezindlu zenza imali ephansi kakade. Lokhu kwenzeka kakhulu phakathi kwamalungu amancane kakhulu angenayo imali engenayo (engenayo intela) engenayo engabaphoqa ukuba bamukele izindlu ezingenele bese ebika izindleko eziphansi ekuhloleni kwelungu.
Lezi zinsizakalo zaqaphela ukuthi i-VHA / BAQ yakha okufanayo, kodwa okuphambene nalokho, ukukhathazeka kwamanye amaphoyinti asezingeni eliphezulu. Ngaphansi kwesimiso esidala, uma ilungu likhethe ukusebenzisa ingxenye enkulu yemali etholakalayo yezindlu ezinkulu noma ezibiza kakhulu, ngokuphathelene nemakethe yasendaweni, futhi kubika le nkcitho kwi-VHA uphenyo, "kwafakazela" izindleko ezibikiwe ngakhoke izibonelelo .
Isibonelelo esiyisisekelo sezindlu siqeda kokubili lezi zizathu eziphansi zokugcina nokugcina. Ngakho-ke, ishicilelo se-BAH senyukela ngamalungu amaningi amancane futhi sinciphisa amalungu athile aphezulu. Futhi, abantu ngabanye bavikelekile kusuka ekunciphiseni kwesilinganiso, kodwa amalunga asanda kufika azokhokhwa ngokulinganisa okunembile nakamuva kwamanani ezindlu.
Indlela i-DOD enquma ngayo i-BAH
Ekusetshenziseni i-BAH, i-DOD ihlanganisa idatha yendawo yamanani okuqashwa, izinsiza ezijwayelekile, nomshuwalense. I-DOD iqoqa idatha minyaka yonke, entwasahlobo nasehlobo lapho izimakethe zezindlu zisebenza kakhulu. Idatha ihlanganisa izindlu, ama-townhomes / ama-duplexes kanye nama-single-family yokuqasha amayunithi wezinkampani ezahlukene zokulala.
I-Military iyaqaphela ukubaluleka okukhulu kwedatha enembile futhi yenza yonke imizamo yokuthola ukuthembeka okuphezulu. Isibonelo, ekukhetheni amayunithi athile okulinganisa, i-DOD isebenzisa inqubo yokuhlola ehlanganisiwe ukuze kuqinisekiswe ukuthi amayunithi namakhelwane akhethwe kufanelekile.
Ukuhlolwa kokuqala kuthatha izinyathelo ezihamba kahle zokuhamba, ngokuvamile ezichazwe ngamamayela angu-20 noma ihora elilodwa ngehora lokuphumula, ukuqeda amayunithi awela ngaphandle kwemingcele.
Ngokulandelayo, bahlola ukuze babone ukuthi i-unit ekhethiwe isendaweni lapho amalungu ezempi angakhetha ukuhlala khona. Ukusebenzisa idatha yohlelo lokubika lokufaneleka lokubhalisa ukuvikela (DEERS) njengesihluthulelo lapho amalungu ehlala khona, i-DOD igxila kulawo angomakhelwane lapho amaphesenti angaphezulu angu-80 amalungu ezempi ahlala khona. Umqondo lapha ukugwema isampuli slum, ubugebengu obuphezulu noma izindawo ezingathandeki ukuthi amalungu agweme kakade.
Okokugcina, i-DOD isebenzisa inqubo yokuhlola engenayo ukuthola izindawo ezifanele. Isibonelo, kumanani amathathu namagumbi amane okulala angamakhelwane angabodwa, kwaziwa ukuthi ukuhola kwamalungu kumabhalane asezingeni eliphakeme elibhalisiwe / iphoyisa liphakathi kuka- $ 60,000 no-$ 100,000, ngakho-ke i-DOD ikhetha amayunithi angabodwa emiphakathini lapho imali engenayo yomphakathi ingenayo lobubanzi.
Uma i-DOD ithengisa izindlu zokulala ezikamelo elilodwa (ngokuvamile ezibhalwe ngabasha abangashadile) zigxila emakhemeni lapho inzuzo ejwayelekile yomphakathi ihambisana ne $ 20,000 kuya ku-30,000 ezingeni lemali engenayo ejwayelekile kula ma grades.
Ngenhloso yokuqhathanisa, inkokhelo yomphakathi ilingana nesamba semali eyisisekelo sempi, isilinganiso se-BAH nesisekelo se-Basic Allowance for Subsistence (BAS) kanye nenzuzo yentela.
Lapho i-DOD iqoqa imininingwane yezindlu
I-DOD ithola idatha yamanje kusuka emithonjeni eminingi ukuqinisekisa ukuthembeka nokunemba. Izikhundla zamanje zokuhlala ezitholakala emaphephandabeni asendaweni kanye nokufakwa kuhlu okuqashiswa kwezindlu kungumthombo obalulekile wedatha. Izithuba zikhethiwe ngokungahleliwe futhi zihambisana nenqubo yokuhlola echazwe ngenhla. Izingxoxo zocingo zakha ukutholakala kanye nendawo eqondile yeyunithi ngayinye esampuliwe. Baphinde baxhumane nezinkampani zokuphathwa kwezindlu kanye nezokuthengisa ukuhlonza amanani ezinkampani eziqashisayo. Kuyinto engavamile ukuthi i-DOD ixoxe nabadayisi bezindawo zangaphandle ukuze bathole isiqiniseko nemithombo eyengeziwe yedatha.
I-DOD yenzelwe inqubo yesampula ukuthola izinga lokuzethemba lokufinyelela ngamaphesenti angu-95 noma ngaphezulu.
Lapho kutholakala khona, i-DOD ixhumana namahhovisi okudlulisela izindlu ezinamandla / okuthunyelwe / ezisekelwe phansi ukuze athole ubuchwepheshe bendawo yasemakhaya futhi athole ukuqonda kokukhathazeka kwendawo ngamalungu abelwe.
Okokugcina, i-DoD kanye nezinsizakalo ziqhuba ukuhlaziywa kwesayithi ezindaweni ezihlukahlukene ukuqinisekisa nokuqinisekisa ukwethembeka nokunemba kwedatha yezindleko. Izithuthukisi zesikhathi esizayo zihlanganisa ukuhlola ukusetshenziswa okungenzeka kwe-intanethi kanye nedatha yezindlu etholakala kwamanye ama-ejensi kahulumeni.
I-Cost Cost Consultant i-Runzheimer International
I-DOD isebenzisa i-Runzheimer International ukuqoqa idatha yezindleko zokuhlala ezindlini zomphakathi esetshenziselwa ukuqhathanisa i-BAH.
Eyasungulwa ngo-1933, i-Runzheimer ngumholi owaziwayo emkhakheni wokuqoqa izindleko zemininingwane ephilayo e-United States nasemhlabeni jikelele. Njengamanje, i-Runzheimer isebenza ngamabhizinisi angaphezu kuka-2000 nohulumeni emhlabeni jikelele futhi idume ngokucwaninga kwayo okunembile nokuthembekile.
Amaklayenti angasese e-Runzheimer ahlanganisa amaphesenti angaphezu kuka-60 ezinkampanini ze-Fortune 500. Amakhasimende kahulumeni ka-Runzheimer afaka uMnyango Wezokuvikela (DoD); i-General Services Administrations (GSA); uMnyango WezeMbuso; i- Office of Personnel Management (OPM); i-Internal Revenue Service (IRS); kanye ne- Federal Deposit Insurance Corporation (FDIC).