Sharuudaha furooyinka iyo Oeexitaankooda Rent Terms & Definitions
|
|  Yüklə 144 Kb.
|
|
Catholic Charities Tababar Gacmeed Kireystaha 215 Old 6th Street Saint Paul, MN 55102 651-222-3001
Dhamaan Sharuudahan guud ahaantood waxaa loo isticmaalaa tababarrada iyo kireynta. 1. Affordable housing: Dejin la awoodikaro. Dejintan oo ah kujiruhu inuu bixiyo in aan kabadneyn 30% dakhligiisa guud, ee qaymaha guud ee dejinta, taasoo ay kujirto isticmaalidda biyaha korontada iyo gaaska. 2. Application Fee: Khidmada arjiga ama codsiga ujrada lasiinayo qofka hanitida ma guurtada ah leh. 3. Base Rent: Asaaska ijaarka. Kirada qiimeeyaha mashruuca guryaha la kabo iyo xisaabta kusalaysan meesha ugu sarreysa ee kabidda. 4. Before-Tax Income: Dakhliga Canshuurta kahor. Dakhliga guud oo laga j aray kharaj oo dhan canshuurta maahee. 5. Breach of Lease: Ku xadgudubka heshiiska kirada. Markuu kireystuhu i abiyo sharciga ama uu meel uga dhaeo heshiiska. Sida marka aad leedahay Eey, heshiiskuna timaamayo inaan xayawaan rabaayad ah la oggolayn. 6. Condemnation: Xukumid Hayl ad dowladeed marka ay soo saarto amar, sida badan kormeerka guryeynta iyo caafimaadka ee deegaanka, kaas oo caddeynaya hantida in ladego aysan ku habooneyn. Waa sharcidarro in ninka hantida maguuratada ah leh uu ogaaan u ijaaro guri xukuman. 7. Covenant of Habitability: Mucaahidada in la degikaro Waajibaadka maamulaha hantida waxa uu yahay inuu kuhayaa xaaladkunoolaanshaha gunga dayactir macquul ah iyo inuu waafajiyo xeerka u dhigan guryahay iyo caafimaadka dawladda iyo dawladda hoose. 8. Covenant of Quiet Enjoyment: Mucaahidada degenaanshaha. Balanqaadka maamule hantiyeedaku waa inuu u diyaariyo degenaha/ijaartaha degaan iyo nabadgelyo macquul ah meehs lagu noolyahay. Taas waxaa karnid ah balanqaad ijaartahu inuusan dhibin deriska. 9. Co-signer: Lasaxiixe Madegene lasaxiixay heshiiska ij aarka kaasoo ku raacsan inuu mas'uuliyadda ij aartaha la fuliyo sharuudaha heshiiska ijaarka gidigood. 10. Credit History: Taariikhdii aaminaadaada Qof taariikhmaaliyeedkiisii oo la soo koobay. 11. Credit Rating: Qaddarin Aminaadeed Qaddarin arna qiimayn uu suubiyo qof ama shirkad (sida xaflis aaminaadeed) taasoo kusalaysan xaaladda dheeqaale uu kusuganyahay markaas ama taariikhdiisa aminaadeed oo la soo dhaafay. 12. Delinquency: Ku guul darreysi inaan bixisid waajibaadkii waqtigii loogutalagalay. 13. Deposit: Debaaji Lacag aad u bixisay damaanad si loo fuliyo heshiiska, kaasoo laga qaadanayo haddii diibaaji dhiguhu ku guuldareysto balanqaadka. 14. Discrimination: Takoorid U la dhaqmid dad si kala duwan sababtoo ah midab, caqiido, jinsi, guur ahaan, qoys ahaa (lahaansho ama lahaansho la'aan caruur), galmo la xiriirka, diin, curyaanimo, dalkuu ka yimid arna helitaanka caawinaada dadweynaha. 15. Doubling Up: Labanlaabid Markuu halqof kabadanyahay dadka guriga kunool. 16. Evict or Eviction: Ka cayrin ama Ka saarid Qoraal gaaban oo maxkarnadeed kaasoo looga saarayo ijaartaha/kujiraha ama sidoo kale qaadaayo hantidii uu haystay si waafaqsan sharciga. 17. Fair Credit Reporting Act: Cadaalad Sharciga warbixin amaaneedka. Sharciga difaacaadda rukunka, kaasoo suubinaaya dariiqii lagu saxilahaa khaladkii qof waribixin arnaaneedkiisa. 18. Fixed Termed Lease: Joogtaynta sharuudaha heshiiska guriga, kaasoo leh taariikh cad oo laga bilaabo iyo mid lagu dhammeeyo, sida badan muddo lix bilood ama hal sano ah. 19. Gross Income: Dhaliga guud Dhakhliga oo dhan, kahor ama kaddib intaan wax laga j arin. 20. Homeless: Hooy laawe Qof ama qoys aan haysan j oogto, caadi degaan arna degenaansho maareyn guryo waqaf ah arna kuwo dad gaar ah ay maamulaan, ayadoo lagu labanlaabay qoys kale muddo kumeel gaar ah inay kula noolaadaan degaan, ama asbuuc dhexdiis oo aa tahay hooy laawe sababtoo ah maxkamad go'aan keed ama meel kaloo waxkaasoo galaa la'aanteed. Qeexidda hooy laawuhu waxay kukala duwantahay bamaarnijka dawladda dhexe iyo dawlad goboleedkaba. 21. Inspector: Korineere Qofka dawladdu u xilsaartay meesha uu kusuganyahay dhismaha lagu noolyahay, kaasoo mas'uuliyaddiisu tahay sharciga dawlad goboleedka, taasoo jabintiisu ay keeni karto kuxadgudub. 22. Landlord: Qofka hanti maguurtada ah leh Qofka leh hanti maguurtada ah, heshiiska qofka iibiyaha, Qofka sharcigu u xilsaaro maamulidda arrimaha qofka musalifay, fuliye, animaana haye, ijaare, qofka shirkad ama dawlad wakiilatay ama qofkale oo si toosan ama si dadban u xukuma hantida la ijaarayo. 23. Late Charge: Kudallacasho la daahidda Kudallacasho said ah, taaso loo baahanyahay inaad u bixisid si ganaax ah kaddib markaad ku guuldarreysatid waqtigii bixinta qaybtii caadiga ahayd. 24. Lease: Heshiis ijaar Heshiis qoraal ah arna af oo loo isticmaaay hantidii ijaarka. 25. Month-to Month Tenancy/Periodic Term Lease: Bil ka bil mudada ijaarka/Kaltanaka Shuruuda Heshiiska Ijaarka. Mudada ijaarka oo aan lahayn waqtl cad oo ay dhamaato. Mudada ijaarka sida badan waxay socotaa bil ka bil ilaa lahaha hantida ma guurtada ama ijaartuhu uu siiyo digniin haboon. 26. No Credit: Amaano La'aan Heysi la'aan caddeyn badeeco uu iibsaday ama adeeg oo uu balanqaaday waqtigii dib u bixinta qaymaha iyo joogtaynta bixinta mustaqbilka, ha kuqaldamin amaano heer hoose ah. 27. Oral Lease: Heshiis ijaar oo af ah Heshiis ijaar, kaasoo aan qoraal ahayn ama sida badan bil bil ah. Heshiiska ijaarka afka ma dhaafi karo wax ka badan halsano. 28. Order to Vacate: Amar lagu banneeyo. Digniin ama colaad ay soo saartay hey'ad dawladeed oo lagu xukumay hanti taasoo amraysa ijaartuhu inuu kabaxo maalin cayiman. 29. Over Crowding: Buuxdhaaf Qeyb waxaa ladhihikaraa waa buux dhaaftay markii tirada degganuhu ay ka kortnato xadkii deggenaanshaha ama tirada deggenuhu ay ka kortnarto tirada dadka heshiiska kuj ira. 30. Proper Notice: Digniin habboon Bayaan qoran oo uu bixiyey laha hanti ma guuranka ama degene ogeysiinaya kuwo kale heshiis ijaar dhamaadey oo maalin cayiman ah. Bayaankaas waa in la bixiyaa tiro maalmo ah kahor marka uu ku egyahay heshiiska ijaarka, sida ku cad heshiiska ijaarka naftigiisa (suurogal 30 maalmood arna 60 maalmood). Hadduu maqanyahay heshiis qoraal ahi digniinta habboon waxay lamid tahay waqti hal ijaar ah oo lagu darya hal maalin. 31. Public Housing: Dejinta Waqafka ah Dejinta waqafka ah waa banaamij caawimaad ijaar ah oo dawlad dhex. Dejinta waqaflca waxaa leh ama maamula PHA( Madaxda Dejinta waqafka ah). Degeneyaashu waxay bixiyaan 30% isku hagaajin dakhligooda guud, oo isugu jira ijaarka iyo kharajka biyaha iyo gaaska. Guya raadiyeyaashu waxay codsigooda dejinta waqafka ah u dirsanayaan PHA oo degaankooda ah. 32. Public Housing Authority(PHA): Madaxda Dejinta Waqafka af Waa urur kaasoo leh ama maamula dejinta waqafka ah iyo caddeynta maamulka qaybta 8 iyo barnaamijka warqadda lacag bixinta. 33. Property Management: Maamulidda Hantida Shaqo socodsiinta hantida si beec shira ah. 34. Rent: Ijaar Tixgalin laga helay heshiiska ijaarka oo loo isticmaalay meel la degay. 35. Rent Assistance: Cawimaad Ijaar Kabid, taaso sida qaybta 8 aad oo caawinaysa kuwa ku habboon inay kubixyaan kharjaka dejintooda. 36. Renter: Ijaarte Ruuxa guri kunool, kaasoo ijaaranaya cutubka dejintaoo uu deggenayahay, ay kamid tahay labada cutub, cutub lagu degey lacag iyo cutub lagu degey lacag la'aan. 37. Resident Manager: Maamule degaan Waa ruux kaasoo maareeya xanaanada hantida guriga isagoo deggan cutubka mid kamid ah. 38. Section 236: Qaybta 236 Dawladda dhexe ee maraykanka waaxdeeda dejinta iyo maamulidda bamaarnijka magaalada MHFA. Kabiddu waxay ahaanaysaa cutubka. 39. Section 42 Housing: Qaybta 42 ee Dejinta. Dejinta qayb kamid ah waxaa dhaqaale galiya dawladda dhexe ee qaddarinta canshuur dejinta. 40. Section 8 Program: Bamaamijka qaybta 8aad Waa banaamij caawimaad ijaarka ee dawladda dhexe, taasoo ka qaybgelaysa bixinta 30% ayada ama isaga isku hagaajin dekhliga guud sida ijaarka ama xasuusin in ijaarka la kabay. Kiraystuhu waxuu haystaa caawimaad ijaar ilaa inta iyada ama isaga kunolyahay dhismaayaashaas waxuuna j oogta ahaanayaa inta dakhligiisu xaq usiinayo. Mashrauca kusalaysan dejinta waxaa iska leh atna maarnula dad khaas ah, faa'iido ama faa'iido la'aan. 41. Tenant Remedies Act: Sharciga Sixidda Kireystaha Waa ficel Maxkamadi soo saartay kaddib markii koox kireystayaal ay maxkamad geeyeen lahaha hati maguurtada, dayactir guri awgeed. 42. Tenant: Kireyste Waa mid kaasoo aan lahayn laakkinse deggan hanti maguuraanka kuna deggan oggolaansho lahaha iyo ka hooseeyaasha cinwaanka lahaha. Kireytuhu waxuu xaq u leeyahay lahaansho gaar ahaaneed, isticmaalka iyo ku istireexa hantida, sida badan waqtiga iyo qaymaha ku xadidan heshiiska kirada. 43. Termination: Dhammayn Dhamaadka heshiiska kirada oo ay keentay dignnin habbon oo lasiiyey kireystaha ama kiraystuhu j abiyey heshiiskii asalka ahaa ee shuraucda heshiiska kirada. 44. Terms: Shuruudo Waa xaalado iyo qorsheyn ku cad qandaraaska. 45. Unlawful Detainer: (Heyn Sharci Darro ah Sharci kasaariddu waxuu soo baxay Luulyo 1999) Waa tilaabo sharci ah ee maxkarnadeed oo caddeynaysa in lahaha maguuraanka ah xaq u leeyahay inuu khasab uga saaro kireystaha cutubkiisa. Haddiiba heyn sharci darro ah lagu xareeyey maxkamaddu waxay rasmi ku ahaanaysaa galka kireystaha iyadoo aan loo fiirin kereystuhu inuu ku guuleystay iyo inuu ku guul darreystay. 46. Utility Allowance: Gunnada Isticmaalka Biyaha Korantada iyo Gaaska Kai and kirada ijaartaha iyadoo lagu caawinayo isaga ama iyada isticmaalka biyaha, dabka iyo Gaaska, taasoo loo isticmaalayo isku xiridda qeyb kabidda bamaamijka dejinta ka mid ah, sida qaybta 8aad. Gunnadu waa isku celcelinta qeymaha isticmaalka biyaha, dabka iyo gaaska oo kusalaysan baaxadda cutubka( hal qol, labo qol iwm) oo ay dejisay hey'ad maamuleed. 47. Very Low Income: Aad dakhli u hooseeya Waa qeexid kusalaysan dakhli qoys sida boqolleey meesha dekhligeeda dhexe. Ulaj eedaduna waa qoys baaxadiisu le'egtahay kii hore oo kunool magaalada( kayimid HUD iyo ECBG bamaamijkooda qeexan). 48. Vacate: Firaaqeyn Kabixin 49. Violation: Xad Gudub Ku xadgudubka dawlad, degrno ama magaalo walba caafimaadkeeda, nabadgelyadeeda, dejinteeda, dab kahortageeda ama baaqa sirta ah dayactirka dejinta oo loo isticmaali karo dhismaha; ku xad gudub mucaahida kasta, ku xad gudub heshiis kasta oo af arna qoraal ah, ku xad gudub heshiis kiro ama qandaraas ijaar oo dhismo guri. 50. Voucher-Section 8: Warqadda lacag bixinta qaybta 8aad Waa bamaamijka caawimaadeed ee ijaarka dawladda dhexe oo ay fuliso HUD iyadoo ku fulinayso wajiga degaanka iyo kan HRA'S. Heystaha warqadda lacag bixnta, waxuu ijaarankaraa cutubka kiradiisu kasareyso sicirka suuqa (FNM) oo ay goosey HUD. Sidaa darteed PHA ama HRA waxay siisaa lacagtaas ijaarka ah lahaha hantida. Maxuu yahay Deggene/tUreyste Fiican? What is a Good Resident/Tenant? -Kan waqteigeeda ka bixiyo kirada -Kaan ka qayb galin dhaqdhaqaaq sharci darro ah Haddii lagugu qabto animo aan sharci ahayn ama aad ka qayb gashid dhaqdhaqaaqyo aah sharci ahayn ama aad ka qayb gasliid dhaqdhaqaaqyo aan sharci ahayn, waa in aad iskaga baxdaa guriga 24 saacadood gudahood. -Haddii aad gaddid ama haysatid waxyaabaha masxda dooriya -Haddii aad haysatid qaybisid alaab la soo xaday -Haddii aad haysatid arna aad qaybisid hub aan sharci lahayn -Haddii aad ka qayb gashid sharmuutaysi -Ku hay nadiifin iyo iskuduwanaan caqli gal ah guriga -Si edboon ula dhaqan deriska -Xushmee sharciyada heshiiska kirada -Kula dhaqan degenaan macaquul ah dhaqdhaqaaqooda 10 Nasteexo oo deggane kasta u baahanyahay inuu ogaado Ten Tips Every Resident Needs to Know
Qodobada Ku Qoran Heshiiska Topics Found in Leases -Appliance Maintenance: Qalabka Dayactirka -Change in Ownership of Building: Baddal'd mulkiilaha guriga -Garbage Removal: Qashin Qaadis -Guests: Marti -Late Fees: Lacagta lagu dalalaco la'daahid darteed -Lifestyle Restrictions: Hab nololeed xadidan -Notice to Enter: Ogeysiin in la galo -Parking Rules: Sharciga Booska baarbuurka ladhigo -Partial Payment of Rent: Bixinta qayb kirada karnid ah -Pets: Xayawaanka rabbayadda ah -Rent Due Date: Waqti kiradu waajibto -Rent Increases: Kiro siyaadin -Repair and Repair Procedures: Dayactirka iyo nidaamka dayactirka -Right of Re-entry: Xaqa dib usoo gellida -Security Deposit: Dibaaji amaanada -Snow Shoveling and Lawn Care: Baraf xaaqid arna cagaar xanaanayn -Utilities: Isticmaalida biyaha, korontada iyo gaaska Miisanaiyada dadka guri kuwada noolMonthly Household Budget WorksheetKharaj DakhliKharjaka gurigaKiro/Deyn $__________ Saafi (laqaato) $__________ Canshuurta Hanti Maguurtada $__________ Caymiss $__________ Waqti sa’id ah $__________ Dayactirka guri $__________ Koronto $__________ Lacagta hawlgabka iyo bulshada $__________ Gaas iyo Olyo $__________ Kaalmada dadweynaha $__________ Biyo $__________ Dakhli kale $__________ Wax kale $__________
Kharaj guriga ka baxsan Wadarta Dakhliga Saafiga ah $__________Cunto $__________ Dhar $__________ Wadarta Kharajka bilkasta $__________ Xanaano carruur/ Lkharaj waxbarasho $__________ Dayn Baabuur $__________ =Dakhliga Kharajka kaddib $__________ Caymis Baabuur $__________ Gaas iyo Olyo $__________ Dayactir Baabuur $__________ Caafimaad uusan bixan Caymis $__________ Bilyeetiga Baska $__________ Bixinta Dayn Safar $__________ Madadaalo $__________ Taleefoon $__________ Kaybal $__________ Caymis $__________ Kayd $__________ Wax kale $__________
Kharajka bisha oo dhan $__________Qoraalka gaaban ee ijaartaha Renter's Resume Ku: Laha hanti maguuraanka Magacaygu waa Fadumo Heri. Waxaan u baahanahay saddex qol oo naftayda iyo shantayda ciyaalka, labo gabdhood (I 0 jir iyo shan jir) iyo saddex wiil (sannad jir, labo j ir iyo afar j ir) 1990-1997 waxaa kula noolaa ninkayga iyo ciyaalkayga Muqdishu, Somalia.Waxaannu lahayn gurigayaga oo aan aad ugu qanacsanayn. 1997-1998 Dagaalkii baa ka dhacay Somaliya guriga waa la burburiyey. Ninkaygii waa la waayey markii aan usoo qaxaynay xerada qaxootiga ee Nairobi, Kenya. Carruurtayda iyo aniguba waxaan nimid Kenya. 1998-2000 Waxaan kunolayn xerada qaxootiga ee Kakuma ee Nairobi, Kenya anagoo kusugaynay warqadahaygii in la aqbalo si aan ugu imaanno dadkayaga j oogay Maraykanka. Aakhirkii waxaa bishii May ee 2000 nala aqbalay inaan imaanno halkaan. Bishii Luulyo ee 2000 waxaan j oognay magaalooyinka mataanaha ah. Ilaa Maajo waxaan la j ooganay xubno qoyska kamid ah, maadaama aanaan heli Karin guri. Wali ma shaqeeyo, laakiin waxaan qaataa ESL fasallo ah cunigayga ugu weyna waxuu ugu hadlaa ingriisiga si fiican. Qof kamid ah qoyskayaga ayaa iga caawinaya bilowga hore ee kharajka ijaarka. Waxaan raadinayaa qof iga caawina inaan helo aniga iyo ciyaalkayga guri la awoodikaro. Waxaan rabaa inaa beeciyo guri ijaarkayga. Saxiixa Macmiilka Tariikh_________________________________ Magacayguwaa Erin Gillis,Catholic Charities Migration and Refugee Housing Advocate. Waxaan la shaqayrfayey Fadumo qiyaastii 3 bilood. Waxay ka qayb gashay tababarrayada degganaha waxayna igala shaqaynaysay inaan isku dayo una helo iyada iyo carraurteeda guri. Haddii aad qabtid wax su'aal ah, fadlan iga soo wac 651-222-3001. Saxiixa Shaqaalaha Tariikh________________________________
Waxaa qoray Leta Herman, waxaana qaybiyey Inman News Features "Waa inaad is hoos dhigtaa kabaha laha hati maguuraanka" waxaa yiri Robin Leonard, qoraha Money Troubles: Legal Strategies to Cope with Your Debts, a Nolo Press Book. "Lahaha Hati maguuraanku waxuu doonayaa (kaa kireeyo) sidii beecshiro. Waxaan kala kulannaa dhib badan inaan fahanno karajo qabaha hati maguuraanka beechsiradiisa markaan raadinayno guri, maadaaina aan raadinayno mid kamid ah waxyaabaha ugu muhiimsan naftada, gurigaan degidoono. Bicshiro saaflya, qofka leh hanti maguuraanka waxuu kusalaynayaa go'aankiisa guri ijaar run dhab ah oo kusaabsan kireystaha.Waxaanu, teeda kale, si xoog ah ugu ximahay dareenkeenna iyo dhadhanka qofnimo si aan u doorano gurigeena. Waliba waxaan leenahay fursad flican inaa yeelanno aragti fiican haddii aan raadinno inaan meel iska dhigno caadifadda guri raadiskeenna, aana bilowno inaan sida laha hanti maguuraanka u fakamo. The Tenant Screening Process Nidaama baarista kireystaha Qofkasta oo lahe hanti maguuraan waxuu leeyahay hab u gooni ah oo uu ku baaro codsadeyaasha. Qaarkarnid ah, waliba kuwa dhibka kala kuhna kireynta guryahooda, ay aad ugu dabacsanyihii marka kuwa kale, sida kuwa leh hantida badan ee maguuraanka ah, ay kireystaha aad u baaraan. Lahaha hanti maguuraanku waxuu si sharci ah u baari karaa kireystaha maaddaama ay baaritaanku ku salaysantahay nidaam beecshiro wax ku saabsan, sida awoodda bixinta kirada, iyo waxii aan kusaabsanayn sifo qofnino, sida Jinsi caqiido diineed. Haddii aad dareentid in lagu lagugu takooray habka baaritaanka, la xiriir ururka guryeynta xaqa ah ama (HUD), xafliska dibadda ee guryeynta xaqa ah lainbarkeedu waa 800-343-3442 What Landlords Look for Waxa lahayaasha hanti maguuraanku doonayaan. Halkaan waxaa ah wax yar oo kamid ah habka ay isticmaalaan lahayaashu si ay kireystaha u baaraan. Meeting basic qualifications over the phone: Oofin shuruudaha asaasiga ah oo telephone lagu sameeyo. Kafiirso baaritaanku waxuu kabilawdaa telefoonka ugu horreya ee lahaha hati maguuraanka. Qaar kamid ah lahayaashu waxay u isticmaalaan telefoonka si uga takhalusaan kuwa aan mudnayn guriga, taasoo adigana kuu kaydinaysa waqti intii aad guri aadan awoodin ama aadan rabin raadin lahayd. Qaybta baaritaankan oo kale ah aha waa ku dhib ama khayaamo badantahay dadka aan oofin karin shuruudaha lahaha gurigu doonayo, laakiin wali doonaya inay tijaabyaan. Markasta waa fiiantahay inaad waxa uu rabi fulisid marka hore waxkastana kuu muuqdaan kahor intaad wax kale oran, sida xayawaankaaga rabaayadda ah ama haddii aad rabtid dad ka badan qaadista intii caadiga ahayd. Khatartu waa markii lahaha hati maguuraanku kugu daldalo su'aalo teleefoonka. Si aad uga hortagtid waxii khalad ah, isugu day si degdeg ah inaad ballan ara9ti uga dalbatid waraysigana soo gaabi. A neat and complete application. Mi buuxa oo kala dhig dhigan Aijiga aan buuxin waxay u badantahay in lasoo diido. Qaar kamid ah lahayaashu waa kuu dabcikaraan, laakiin badankoodu maya. Haddii aadan aqoonjawaabta su'aal ijiga kutaal, wayddii qoflca kutusaya guriga haddii aadan keeni karin ama aadan soo fax gareynkarin. Kaddib, raadi inaad wax dhaaftay sida ugu dhakhsaha badan. Xasuuso macallinkaagii falsalkaagii afraad kasoo yiri, “Kala dhig dhignaantu waa tirsantahay", waqtiga hal xiraale kasta? Hagaag, waxay ahayd talo u fiican nafta. Haddii aad soo celisid ayadoo j aj aban, ama j eexan khalado badanna leh, ama sadarada dhexdooda oo wax ku qorqoranyihiin, maxay tusi kartaa? Suura gal inuusan lahaha hanti ma guuraanku ku diidin kala dhig dhignaan la'aan kaliya, laakiin adiga ayey kaa go'naan kartay. Good references from previous landlords. Tixraac fiican oo kayimaada lahayaashii hanti maguuraankii hore. Hantilaha xariifka ah waxuu wici doonaa lahayaasha hanti maguuraankii hore si uu xaqiijiyo taariikhda aad degenayd iyo inaad kirada bixisay watqigii la rabay, tixgaliye dariskiisa ahayd iyo inaad guriga ugu baxday isagoo flican. Awooda inay bixiyaan ama galiyaan baaritaan dheer waxay lahaanayaan wakiil baarid oo ku saabsan kasaarid, musalifid iyo waxii dambiyo hore. Haddii lahaha hanti maguuraan damco inuu baaritaan dheer sarneeyo kaasoo lagu magacaabo warbixin baaritaan-waxaad rabikartaa inaad ogaatid wax badan oo kusaabsan qodobka warbixin caddaaladda ee dawladda dhexe, taasoo bixisa tilmaamo adag oo nooca warbixintaan oo kale ah. Sufficient and reliable income. Dakhli ku filan lana aaminkaro Lahaha hanti maguuraanku waxay u badantahay inuu waco shaqadaada si uu u xaqiijiyo in mushaharkaagu ku filanyahay shaqaduna tahay j oogto (inaad ka shaqaysay isku meel halsano kabadan. An active bank account. Koonto banki oo shaqaynaysa markaas. Kireyte aan lahayn koonto banki waa suure inay hore u lahayd j eegag bankigu soo celiyey arna lacag aan dakhli sharci darro ah. No prior eviction, bankruptcies or criminal history. La'aan guri kasaarid hore, musallifid hore la'aan iyo dambi hore la'aan. Lahayaasha hanti maguurtada Haddii aad deyn badan qabtid, lasaxiixe ayaa kaa kaalmaynkara inaad guri heshid. Arjiyada badankooda kaliya waxay rabaan lahaha hanti maguuraankii ugu dambeeyey iyo r—Lj kii hore, marka looma baahna inaad xustid magaca lahaha hanti maguuran aad hore wax yar ugu dacweysay saddex guri kahor. Haddil aad ladagaalantay lahe hanti main taasoo aad rabtid inaad ku qortid arjiga, waxaad rabi kartaa inaad tixgalisid adoo u sharxaya xaalad laha hantida maguurtada ah, gaar ahaan haddii aad u malaynaysid in lahaha hati maguuranku khaldanyahay, si ahaan. Waxaad kaloo siinkartaa tixraac lahe hanti maguuuraan hore oo ka timid kireysteyaal hore iyo tixraacyo qofnimi si aad u saxdid sumacad xumo hore. A history of paying bills on time. Taariikhada bixinta lacagaha lasoo dallacdo waqtigooda. Hanti maguurto lahayaal badani waxay u dhaqmaan ama u isticmaalaan amaano tijaabin si ay u ogaadaan amaanada taariikhdaadii. Haddii aad isku ogtahay wax wax kuu dhimaya, kala xaajood lahaha hanti maguuraanka iyo sidaad aad sidaadii ugu soo noqonlahayd. Tixgalin sii inaad heshid la saxiixe qof ah si aad u yareysid wax alla wixii lahe hanti maguurto helikaro. A manageable amount of debt: Cadad deyn ah oo la maareynkaro Qiyaas ahaan deyntaada iyo ijaarkaaga waa inaysan ka badan 40% dakhligaaga guud "Deynta guud waa muhiim": waxaa yiri Leonard. Haddii ku samaynaysid si silic ah dayntaada ardeynimada iyo deynta baabuurkaaga, lahayaasha hanti maguurtadu waxay ka baqayaan inaan waxba usoo harin kiradii guriga. Sidoo kale haddii aad deyn badan (khadad dayn kuu furanyahay) way ka walaaci doonaan. Following Up on Rejections Sii dhammaystir Diidmo Haddii laguugu diido warbixinta amaanadaada darteed, Lahaha hanti maguurtada waxaa laga rabaa sharci ahaan inuu kasiiyo warbixin kusaabsan sida aad uga helikartid nuqul bilaash ah ee warbixinta wakiilka baarista ainaanada ee uu lahaha hanti maguurtadu isticmaalay. Waa istaahishaa inaad ogaatid sababta laguu baaray markaasna waxaad hubtaa inaad arjigaaga soosocda kuhonnartay. qoraalka diiwaan gashan ee kiradaada. Haddii aad aaminsantahay in qof hanti maguuran lahi kuu diidayo guri sabab baaritaan darteed, waxaajira todoba talaabo oo aad iska dhowri kartid. Toddoba tallaabo oo aad u dhowri kartid qoraalka diiwaan gashan ee kiradaada Seven Steps to Protect Your Rental Record Haddii aad aaminsantahay in qof hanti maguuran lahi kuu diidayo guri sabab baaritaan darted, waxaa jira todoba talaabo oo aad isku dhowri kartid. 1. Waydii lahaha hanti maguurtada kuudiiday guriga magaca iyo cinwaanka wakiilka bixiyey taariikhdaada kiro. 2. Ama soo booqo arna qoraal u dir aad kuweydiisanaysid nuqul w&bixntaada. Wax kharaj ah ma la iska rabo hadii aad ku dalbatid muddo 30 maalrnood gudohood ah oo diidmadaada guriga ah. 3. Keen aqoonsi markaad dalbatid nuqul warbixin. Haddii aad warqad kudalbanaysid nuqul, raacsii nuqul aqoonsigaaga ah codsigaaga. 4. Sharcigu waxuu u ka rabaa in wakiilku kusoo j awaabo sida 'Si degdeg ah. Haddii aad booqatid xafliska saacadaha shaqada, wakiilku waa inuu ku siiyaa nuqulka warbixinta isla markaas. Haddii aad ku dalbatid nuqul ka warqad ahaan, wakiilku waa inuu kaugu soo jawaabaa muddo shan maaalmood oo maalmo shaqo ah. Waxuu j aloo wakiilku kugu siin karaan warbixinta telefoon ahaan haddii aad markii hore qoraal ku dalbatay. Adigoo markii hore raaciyey nuqul aqoonsigaaga weydiistayna in warbixinta lagugu siiyo telefoon maalin cayiman. 5 . Dib u hubi warbixinta markaad heshid. Haddii aad aarninsantahay in waxyaabo meesha ku qoran aysan saxsanayn, qoraal u qor wakiilka kana codso in labaaro dhacdooyinkaas. Sharcigu waxuu qabaa in wakiilku baaro waxkasta oo la siku haysto. 6. Haddii wakiilku helo in warbixintu ay tahay mid aan saxsanayn ama aysan helikarin waa inay ka tirtiraan warbixntaas galkaaga. Waydiiso wakiilka inay inay ogeysiiyaan cidkasta oo nuqullo warbixintaada ah helay lixdii bilood ee lasoo dhaafay. 7. Waxaadxaquleedahayinaadraacisid lOOkahnad oo doosharraxaad ah una dirtid haye sharci darro kasta (kasaarid) warbixin galkaaga ah. Sharaxaadaana u dir wakiilka ku siiyey warbixinta. Sidoo kale waa inaad raacisaa sharraxaaddaas warbixinta kireystaha. LSS Housing Resource Center 2/07/00 Sida loo abuuro taariikh amaaneed aan dhaqan ahayn. How to create nontraditional credit history. • Sameyso checking account una isticmaal si xigmadeysan • Hayso nuqul biilasha aad bixisid ah, kana mid tahay kirada, telefoonka, kaybalka telfeeshinka, gaaska iyo caymiska. • Hayso nuqul jeegaga aad kansashid oo aad ugu tala gashay inaad biilasha ku bixisid. • Waydii lahaha hanti maguurtada, shirkadda telefoonka iyo shirkada gaaska iyo korontada inay qoraan warqad. Waydii inay kudaraan inta aad ahayd macmiilkooda iyo sida flican oo aad bilkasata biilasha u bixin i irtay. • Tus biilasha, bixinta warqadaha lahayaasha hanti maguuraanka si aad u caddeysid inaad u bixisid biilasha waqtigooda bilkasta. Qoraalkii diiwan gashan taasoo leh ugu yaraan labo sano oo biil bixin j oogta ah aad bay u fiicantahay. Warqad codsi dayactir guri Letter Request Apartment Repairs Maajo 18, 2000 Dear Curt Johnson, Fadlan ka same dayactirka soo socda gurigayga kuyaal 3876 18th Ave. S. 2. Dayactirku waa: Musqusha oo biyo siideynaysa Furaha qasabadda ee saxanka oo tifqaya biyo kulul Alaarmiga dabak oo soo dhacay Daaqadda fadhiga oo muraayadii ama shabakaddii ka maqantahay Daacadnimo ah, Haddii dab dhaco If Fire Breaks Out Dab dareemayaalku waxay si aad ah u siyaadiyaan suuro galka inaad dabka ka badbaadid. Ugu yaraan mid ku xir dabaq kasta oo guriga ah iyo banaanka meelkasta oo la seexdo. Ku xir dab sheegayaal qolalka gudahooda taxaddar ahaan. Kor mid kuxir, ugu yaraan afar inj i ugu u j irta darbiga. Tij aabi dab ogaadayaasha bishii mar batarigana sanadkii mar badal.Si uu kuu xasuusiyo, qorsheyso inaad kuxirtid batari waqti sanadguuro ah, sida 4 ta Luulyo. Badel dab ogaadayaalka 10 kii sanoba mar. Haddii dab qarxo, ficil deg deg ah qaad.Dabka iyo qiiqu waxuu u fidaa si dhaqso ah. Guriga markiiba ka bax, kaddibna ka wac dariska ama telefoonka gacanta hay'adda dab damiska. Qiiqu waa ka tanbadiyaa dhibanayaasha wax badan kahor intaan ololku soo gaarin. Isticmaal bixitaanka ugu nabadgelyo badan. Haddii aad ku khasbantahay inaad dabka dhexmartid is gaabi guurguurana dabka hoostiisa, adigoo ka ilaalinaya in madaxaagu u jirin kabadan 12-24 inji saqafka. Haddii aadan tababarro qoys lahayn, markaan waa markii lasameyn lahaa. Booqo maqsinkaaga qalabka ama bartmaha guriga si aad u galisid dab damiyeyaal dhowr ah. Dab damiyeyaalka waxaa loo kala saaraa iyadoo laflirinayo nooca dabka ay damiyaan, waxaadna ka helaysaa warbixinta dabdarniyaha korkiisa. Nooca ABC dabdamiyeha ah shaqadiisu waa badantahay waxuuna ka adagyahay noockasta oo dab yar ah. Xabid dhig j ikada, kuwo saa'id ahna baymentiga atna garaashka. Weyddii hay adda dabdarniska waxii dab darnis ah. Ha isku dayin inaad la dagaalantid dab ilaa iyo inaad taqaanid nooca dab darniyaha aad u isticmaalaysid dabka noocaas ah, hubina inaa dhabarkaaga u du'did bixida nabad. Fire Safety checklist: Liis warbixineedka nabadgelyada dabka. Qaado kaddiskaan deg-degga ah si ay kuu caawiso inaad qiimaysid qorshaha nabadgelyada dabka ee qoyskiina. Ma raacdaa tababarada dab ka hor tagga. Taxaddar ma silsaa nasteexada. nabadgelyada ee cunto karinta, cabidda sigaarka, ma isticmaashaa qalabka kulka keena, meelkuhaboon madhigtaa qalabka gubtayaalka ah, mana kataxadartaa can-aurta iyo taraqa. Dab sheegayaalkaagu ma shaqaynayaan? Waa in dabaq kasta oo gurigaaga ah laga helaa ugu yaraan mid. Tijaabi midkast bishii mar, batarigana baddel sanadkii mar. Tababarada si caadi ah ma u qaadataa? Dhowr goor sanadkii, u yeel tababar qoys gurigaaga si nabad ah iyo si deg deg ah markii wax deg deg ah j iraan. U cayin meel shir lagu qabto qoyskaaga kuligood si wada j ir markay guriga ka maqanyihiin. Ma u sheegtay carruurtaada inay istaagaan, istuuraan, isduubaana?. Haddii dharkooda dab qabsado, carruurtu (iyo dadka waaweynba) waa inay istaagaan, isku tuuraan dhulka, wajiga daboolaan, isna duuduuban ama dhabar dhabar iyo gadaal gadaal u socdaan si ay dabka u darniyaan. Is rog rogidda wad ilaa dabku dhamaado. Ma qorshaysatay dariiq aad ku baxsatid? Waa muhiim inaad ugu yaraan lahaato labo dariiqo oo aad kaga baxsatid qolkasta oo guriga ah, inta baan ama albaab ama daaqad. Ku tababaro hadda si aad u ogaatid inaad ka bixi kartid waqtiga xaaladda degdegga ah. Dabaqa labaad si nabad ah ma uga bixi kartaa? Jaranjaro silsilad ah ama midkale oo sahlan waxay kaa caawinkartaa inaad ka baxasatid dabaqyada kore ee gurigaaga haddii dab dhaco. Ma taqaan sida loo isticmaalo dab damiyeyaashaada haddii dab dhaco? Ogow meesha ay yaalaan dab demiyeyaashaadu akhrina sida loo isticmaalo intaadan u baahan kahor. Ma taqaan teleefoonka hay'adda dab damiska ee xaafaddaada?. Meesha ugu dhow ee teleefoon guriga banaankiis ah?. Haddii dab dhaco markasta guriga ka bax marka hore, kaddibna ka waco kaalmo teleefoon bannaanka ah ama teleefoon kale. Immigration Referrals: Who Can Help Tixraacyada Hijrada: Kaasoo Wax Caawina Centro Legal, Inc. 2575 University Avenue West #135 St.Paul, MN 55114-1024 Tel. 651-642-1890 Fax. 651-642-1875
300 Kickemick Building, 430 1st Ave. North Minneapolis, MN 55401 Tel. 612-332-1441 Fax. 612-3345970
2324 University Avenue St.Paul, MN 55114 Tel. 651-222-3749 Fax. 651-603-2750 La xiriir: Maureen O'Connell, Maamulaha Qareenka, khadka gaarka ah. 104 Mashruuca u dooda khidmada qaanuunka (LSAP) waa mashruuc ballaaran oo kaahno dhinaca qaanuunka ee bartmaha Minnesota ah. Minnesota Advocates for Human Rights, Refugee and Asylum Project. Udoodayaasha xuquuqda Binaadamaka ee Minnesota, Mashruuca Qaxootiga iyo Magangelyada siyaasadeed. 310 Fourth Ave. S #1000 Minneapolis, MN 55415 Tel. 612-341-9845 Fax. 612-341-2971 Mashruuca Qaxootiga and Magangelyada siyaasadeed ee Udoodayaasha Minnesota waxuu matalaa shakhsiyaadka ka dalbanaya magangelyada siyaasadeed waddankaan sabab cabsi lasoo ogaaday in lagu ciqaabayo waddankoodii. The Immigrant Law Center of Minnesota (Oficina Legal) Xarunta Qaanuunka Qaxootiga ee Minnesota 179 E. Robie St. St.Paul, MN 55107 Tel. 651-291 -01 IO Fax. 651-291-2549
300 Minnesota Bldg., 46 E. Fourth St. St.Paul, NIN 55101 Tel. 651-222-5863 Fax. 651-297-6457 Laxiriir: Martha Eaves, Ken Gilchrist, Laura Melnick Shirkadda Madaxa bannaan ee Khidmooyinka Qaanuun Goboleedka Koonfurta Minnesota waa urur aan u shaqayn inay faa'iido kahesho kuna takhasusay dhibaatooyinka lasoo gudboonaada dadka dakhligoodu hooseeyo. Waxay siiyaa khidmooyin qaanuun dadka istaahila oo dakhligoodu hooseeyo ee meelaha faa'iidada daadweynaha, kereystaha xaqiisa, qaadashada hantida qofka bixin waayey dayn, qoyska, xuquuqda shacabka, sharciga macmiilka iyo hijrada. Turjumaanno waa diyaar markii loo baahdo. Hay’adaha Dadka Caawiya Some Helpful Resources Agency Phone Contact Community Organizations Horn of Africa Community in Hassan Mohamoud North America 612-879-8022 Ardo Yusuf Sahan Resource Project 612-379-0776 Osman Mahamud Somali Resource Center 612-338-0172 Abdi Fatah Mohamud Confederation of Somali Community in MN 612-338-5282 Said Fahia Somali Relief and Rehabilitation 612-630-1070 Mohammad Noor African Community Services 612-721-9984 Abdillahi Nur Somali American Association Friendship Director 612-381-9894 Faysal Mohamed Omar KFAI Radio 612-338-0172 Hussein Samatar KFAI Radio 612-341-3144 Somali Voices Somali Community of MN 612-871-6786 Osman Shaherdeed Community Relief & Rehabilitation 612-630-1070 Ahamed M. Warfa Community University Health Care Center 612-627-6888 Ahmed Yusuf Somalian Women’s Association 612-870-7001 Amal Yusuf Longfellow Nokomis Family and 612-729-9900 Tsehai Wodajo Muslim Student Association 612-624-5656 Diana Aziz Richfield Community Center 952-883-0044 Iqbal Jaffer Lutheran Social Services 612-871-0221 Moxamund Abdaahal Pillsbury Social Services 612-870-0647 Mohamed Ali United Somali Community 612-338-2433 Mohamud Issa Summit Academy OIC Association 612-337-0150 Amal Abdalla
Masjid Al-Noor 612-521-1749 Arlene Al-Amin Masjid Dar Al-Hijrah 612-332-9250 Abdul Salaam Masjid Al-Salaam 651-748-1688 Amin Abdul Kadri Masjid Dar Al-Farooq 612-331-1234 Arafat Al-Bakri Masjid Al-Taqwaa 651-292-9675 Islamic Center of Rochester 507-289-8236 Tanzeer Zubair Islamic Center of Minnesota 612-571-5604 Government Organizations Hennepin County Economic Assistance 612-879-3499 Gloria Jorgenson MN office of Refugee Services 651-297-3210 Quy Dam Minneapolis Public Housing 612-342-1475 Minneapolis Public Schools 612-627-2010 Hennepin Co. Community Health Dept. 612-348-3000 Telefanada Qaybaha Guryeynta Phone Numbers for Housing Authorities Metro Housing & Redevelopment Authority (HRA) 651-602-1626 St. Paul Public Housing Authority (PHA) 651-298-5089 Minneapolis PHA 612-342-1210 Bloomington HRA 952-948-8942 South St. Paul HRA 651-451-1838 Plymouth HRA 763-509-5414 St. Louis Park HRA 952-924-2578 Richfield HRA 612-861-9768 Columbia Heights EDA 1800-627-3529 Dakota County HRA 651-423-8136 Washington County HRA 651-458-6564 Scott County HRA 952-402-9022 St. Cloud HRA 320-252-0880 Mashruuca Tababarka Kirgystaha Catholic Charities Catholic Charities Refugee Tenant Training Program Kulli laguma Aad baa loogu qancay qancin Cutubyada 0 1 2 3 4 5 laga hadlay Tababare 0 1 2 3 4 5 Ttujumaan 0 1 2 3 4 5 Wax Qoran 0 1 2 3 4 5 Wax muuqaal Leh (Videos) 0 1 2 3 4 5 Waqtiga Tababarka ee Maalintii 0 1 2 3 4 5 Meesha Tababarka 0 1 2 3 4 5 Faa'iidada Tababarka Gabi ahaan 0 1 2 3 4 5 Cutubyada Laga hadlay 0 1 2 3 4 5 Warbixintu ma ahayd Aad u horu marsan Mid asaasi ah Si sax ah Warbixinta ma loo soo bandhigay Si aad u dheeraysa Si aad u gaabisa Si sax ah Maxuu ahaa wixii ugu faa'iidada badnaa tababarka?_____________________ Waa ku horinarilahaa tababarka haddii aan sainaynlahaa sidaan: Mahadsanid! |