Published at Sunday, February 17th, 2019 - 04:25:14 AM. House. By .
Everything You Need to Know About Section 8 Housing : For years, youve worked persistently for long hours yet your pay is just not enough to take care of your expenses. Health care, utilities and rising food prices are barely covered by your wage. Pretty soon, your take-home pay wont be able to keep up with your familys growing expenses. This distressing scenario plagues millions of American families today. Their salaries just cant be stretched enough to adequately provide for housing expenses. If you are a legal United States resident and dont earn enough money to cover rent or mortgage payments, you may want to consider applying for the federal governments Housing Voucher Program, which is also referred to as section 8. What is Section 8? The Housing Act of 1937 provided for financial aid to be paid by the federal government to local housing agencies or LHAs to make the living conditions of low-wage earning families better. Section 8 of the Housing Act of 1937, usually just referred to as Section 8, mandates the payment of federal housing assistance to landlords for the benefit of about 3.1 million families with low income. It makes housing assistance possible through various programs, with the Housing Choice Voucher program being the largest, which subsidizes most of the rent and utilities payments of about 2.1 million families. The Department of Housing and Urban Development (HUD) manages and funds the Section 8 programs. There are about 2,400 public housing agencies (PHAs) that administer the program locally. A Brief History of Section 8 Section 8 housing had its beginning during the Great Depression. The passing of the U.S. Housing Act by Congress constituted the start of federal housing assistance in the country. It furnished the money to build quality yet affordable low income housing apartments for financially-challenged wage earners. These units are administered and maintained by local authorities. The U.S. Housing Act was revised in 1961 to give way to the Section 23 Leased Housing Program which allowed low-income earners to take up residence in private low income housing apartments leased by local authorities. Tenants agree to pay a certain percentage of the rent, while the difference between the tenants payment and what the landlord would have normally received in the open market. Building maintenance were also performed by the local housing authorities. In 1974, the Act underwent another revision which provided for the creation of Section 8. Rather than build and manage public housing, it aimed to assist low-earning tenants who were allotting the greater part of their earnings on rent payment. Federal funds were now used to pay a portion of the rent in housing units chosen by the renters on the open market. Since then, several more legislations were passed to amend and refine the Section 8 program. The Critical Need for Housing Assistance The 2005 HUD report to Congress stated that the almost 6 million renter families in the country who dont benefit from public housing assistance suffer from worst housing needs. A huge bulk of these families have undergone severe rent burden which HUD describes as paying in excess of 50% of the wage-earners income for rent. Other households made their homes in second-rate buildings. Groups being given priority by Section 8 are composed of low-income households with children, senior citizens and handicapped individuals. Likewise, the Department of Housing and Urban Development and the U.S. Department of Veterans Affairs have a Section 8 program called the Veterans Affairs Supportive Housing (HUD-VASH) which distributes a number of housing vouchers to qualified homeless U.S. armed forces veterans. The Housing Voucher Program The main Section 8 program is currently engaged in the housing voucher program. Housing choice vouchers are locally distributed and managed by public housing agencies or PHAs. The Department of Housing and Urban Development (HUD) provide federal funds to these PHAs to manage the voucher program. A voucher can be project-based which means its use is confined to a particular apartment complex. PHAs may appropriate up to 20% of their vouchers for this. A voucher can also be tenant-based where the tenant can freely choose any housing that passes the criteria of the program and is not restricted to units within subsidized housing projects. The tenant may choose to rent a housing unit in the private sector, is not confined to any particular apartment complexes, and can choose to live anywhere in the U.S as long as the total rent meets the standards established by HUD. This can include living in Puerto Rico which has a Section 8 program managed by a public housing agency. Under the housing voucher program, households or individuals who are eligible for Section 8 funding are given a voucher which allows them to find and rent a unit where they will be responsible for paying 30% of the rent. The housing voucher will pay for the remaining 70% of rent and utilities. Most families pay for section 8 housing using 30% of their adjusted income, which is a familys total earning less the deductions for dependents below 18 years old, senior citizens, handicapped individuals, full-time students, as well as medical expenses and disability assistance. The voucher program is currently subsidizing the rent payment for nearly 2.1 million households in the United States. Whats more, these vouchers can be used at times by low income households to pay the mortgage or purchase a house. Prioritization of Housing Voucher In many instances, your local public housing agency will receive more applications than it can afford to approve vouchers for, and will as a result create a waiting list of applicants. PHAs can move certain applications forward or put them way back of the waiting list, and may choose to grant priority to households who are presently without a home or are residing in second-rate housing, wage-earners who spend more than half their income in rent, or individuals who are displaced against their will. Know more about prioritizing by inquiring at your local public housing agency office. Since section 8 isnt actually an entitlement benefit, people who become eligible for a housing voucher cannot be 100% sure that theyll get one. According to the latest figures, only 1 out of about 4 households who qualify for housing assistance receive it. Waiting lists can take long to be processed. In several places, eligible applicants fiercely compete with other applicants for vouchers. Due to the huge volume of demand, some LHAs have entirely ceased taking in applications. For instance, in New York where rents are exorbitant and oftentimes beyond reach of low-income earners, many households set their sights on section 8 vouchers. Today, as the country teeters toward the reality of the sequestration cuts to the federal budget, it seems that New York City may miss out on up to 6,000 section 8 vouchers that were intended to be made available this year. In Chicago, more than 2,300 households are on the waiting list. Recipients are picked out of the list by a lottery held every month. Only when the list is exhausted will the application process resume. Requirements to Qualify for Rent Assistance Putting these realities on one side, if you belong to a low-income bracket and you require rent subsidy or other support provided by the voucher program, you first need to make sure that you have what is financially required to qualify for Section 8 housing. Whether you qualify or not is dependent on certain factors which include your total household income, how much rent you are paying, the members of your household, the average income in your locality, and your assets. Income requirements differ from place to place, but as a rule you will need to have a total household earning of not more than 50% of the average income in your locality. The program is open to all U.S. citizens and people with legal immigration status. Another criterion is the number of your household members. Your Section 8 income limit gets lower as the members of your household gets fewer. Other factors are also put under consideration by HUD and its local agencies when checking an applicants qualifications. Generally taken into consideration are homelessness and other factors that are linked to a particular location like involvement in a local welfare-to-work program. Other criteria that may help you get considered for assistance are: • presently living in a homeless shelter • working over 42 hours each week • being a veteran of the U.S. Armed Services (widow or widower) • suffering from disability • being a senior citizen 62 years old and over • having children LHAs should also give priority to very low-income households whose total earnings dont even amount to 30% of the average income in the area. 75% of the new applicants that get qualified for housing assistance each year must be near or at the lowest-income level. If you think you have every reason to qualify for a housing voucher, you must go and get in touch with the public housing agency in your locality. You can get all the information you need on the HUD website including local office address, toll-free phone numbers, and email addresses. Dont get yourself fooled by professional con artists. There are fly-by-night agencies that will promise to help you to get all the Section 8 paperwork done for a certain fee. You can get all the help you need to apply for a housing voucher at no cost just by visiting your local public housing authority or your federal HUD office. Bear in mind that no person should ever ask you for money for a low income housing assistance application. Anyone who charges you for a voucher or an application can be arrested for fraud. Obligations Since a public housing authority approves the housing unit of a qualified household, the landlord and the family head sign a lease agreement. At the same time, the PHA and the landlord sign a contract for housing assistance payments that will run concurrently with the lease. This demonstrates that the PHA, the landlord and the tenant all have roles and obligations they must fulfill under the program. 1. Tenant Expect some delays before you receive the final decision on your application. Many applicants can be on the section 8 housing waiting lists for months, or possibly even years. If your application gets approved by the local PHA and you have received a housing voucher, you have to be absolutely sure that your present or future living situation meets HUD safety and health requirements. If you are renting, youll be asked to sign a one-year lease with a willing landlord who will be obliged to provide you with safe quality housing and fair rent. The landlord may require the tenant to pay a security deposit. After the first year, the landlord can draw up a lease renewal contract or allow the household to reside in the unit on a monthly lease. Know how much rent youll be paying. Section 8 housing requires you and your household to pay 30 percent of your monthly adjusted gross income on rent and utilities. The voucher you received will cover the rest of the cost. Visit your local PHA if you need help in determining how much you need to allocate each month. When the household has moved into the new home, each member is expected to abide by the lease and program rules, keep the housing unit in good condition, pay the percentage of rent promptly, and inform the PHA of any changes in family composition or income status. If you need to, you can move to another area without losing your eligibility to Section 8 housing. Just be sure to inform your local PHA ahead of time, terminate your lease according to its provisions, and look for another housing that will comply with HUD safety and health criteria. 2. Landlord The landlords responsibility in the voucher program is to provide tenants with a suitable, sanitary and clean low income housing unit with a fair rent. The living space must meet the HUDs housing quality criteria and must be kept up to those criteria for as long as the landlord receives housing assistance payments. Whats more, the property owner will extend the services that were agreed upon as was mentioned in the lease signed with the tenant and the contract signed with the public housing authorities. The landlord cannot charge the tenant any extra money except that of the reasonable rent and cannot accept any amount of payment that is outside the contract. Although required to follow fair housing laws, landlords are of no obligations to take part in the housing voucher program. Therefore, some landlords can refuse to accept Section 8 tenants. This may be due to several reasons such as: • Not desiring the government to get involved in the landlords business, as in conducting a full inspection by government workers of the premises for HUDs housing quality standards and the probable redress that may follow. • Concern that the tenant or members of the household will fail to keep proper maintenance of the unit. • Finding that the programs rent price is below the landlords expectation. • Not willing to take matters to court to evict a tenant. According to HUD requirements, judicial action is required to evict section 8 tenants, even if there were other legal procedures allowed. • Depending on state laws, it may be against the law to refuse to accept a tenant just because they have Section 8. Landlords have only past eviction, credit, criminal history and other general means of disqualifying a potential tenant. Other landlords, however, seem to have no beef against accepting Section 8 tenants. This could be because of: • The long waiting list can provide a vast reserve of potential tenants. • Generally on-time payments sent by the PHA for its share of the rent. • Tenants are motivated to take care of the low income housing unit to avoid paying for damaged property. Owing a previous landlord money can be ground for a tenant to be disqualified from the program. 3. Public Housing Authority The public housing program manages the voucher program locally. It provides a qualified household with housing subsidy that allows the family to look for a decent housing unit. The PHA signs a contract with the landlord promising to provide regular housing assistance payments for and on behalf of the tenants. Should the landlord fail to comply with their lease contract obligations, the PHA can immediately discontinue sending assistance payments. The PHA will re-assess the households income and composition for any changes at least once a year and must conduct an annual ocular inspection of each unit to make sure that it complies with HUD quality standards. Research appears to suggest that the section 8 program has yielded a lot of happy and productive results. It helps millions of households live above poverty level, have more money to spend on food and health care instead of rent, and improve their quality of life. It has helped families to move into safer neighborhoods and has reduced the number of homeless people. As a result, it has also lowered the incidences of anxiety, depression, and other mental and emotional problems.
Japanese Housing Conditions : In Japan, land price is expensive and housing conditions regarding its rent and size are not good compared to other countries. Accommodation is a very serious problem even for the Japanese particularly in urban areas, which lack spacious and low cost housing. 1. Japanese rental housing In Japan there is both public housing and private housing. Apartments make up the majority of rental housing. a) Public housing Public housing is provided by official organizations such as prefectural, city, and town governments, and housing supply corporations. Any non-Japanese who has an alien registration can apply for this kind of housing regardless of nationality. There are two types of housing: Koei Jutaku (public housing) is for people who have a low income; and Tokutei Yuryo Chintai Jutaku (delux family housing) and Kosha/Kodan Jutaku (Public Corporation housing) for those with a middle-class income. These apartments provide a certain level of facilities at relatively low rent. It is necessary to pay two to three months rent as a deposit (guarantee money) at your tenancy, but key money which is necessary for private housing is not required. However, qualifications such as income are precisely determined, and only those who satisfy these qualifications can apply. As there are many applicants, the tenants are determined by lottery. After moving in, the tenants must comply with the regulations for use (i.e. nobody is allowed to live together with the tenants without permission). This type of housing is mainly apartments, which generally include kitchen, bath, and oshiire (closet), with one to four rooms. b) Private rental housing Private rental housing is owned by individuals and private companies. The type varies in rent and size. 1. Aparto (Apartment) These are mainly two-story buildings constructed from light-weight steel, wood, or mortar, and house 4 to 8 households. Some of them share a toilet and/or have no bath. 2. Mansion (Apartment) In Japan, housing which is bigger than an Aparto and built with reinforced concrete is called a Mansion. The insulation is better than an Aparto, and privacy is better. Some have a custodian living on the first floor or others have an underground parking lot. 3. Detached house Detached houses have recently been designed using a mixture of Japanese and Western styles. Some of them have a garden. There are several rental houses designed especially for non-Japanese but not many. 2. Typical housing size and floor plan The area is indicated in square meters (m2) as well as original Japanese units, jo and tsubo. One jo means one tatami mat, and is roughly 180 cm x 90 cm. (Tatami is a unique Japanese floor covering). One tsubo is 182 cm x 182 cm or about 3.3m2 and equals approximately two jo. There are Japanese-style and Western-style rooms. A Japanese-style room has tatami mats and a Western-style room has flooring or a carpeted floor. Below is a typical Japanese housing floor plan. • K, DK, LDK - K means kitchen, D means dining room and L means living room. K means only a kitchen and DK means a dining room plus kitchen, and LDK means a room which has the function of a living room as well as dining room and kitchen. Therefore, 2DK means a house which has two rooms in addition to a room having the function of kitchen and dining room. • UB - UB means unit bath (unified formation bathroom), which includes bathtub, toilet and washbowl. • Oshiire (closet) - This means a storage space in a Japanese-style room. • PS - This means a pipe space containing drainpipes and wiring conduits. • MB - This means the meter box for water and gas. Floor plan for One-room Mansions (one-room apartments) (Example) Facilities are compact and there is one room which can be used as a living room. The kitchenette is very small, so that elaborate cooking is not possible. Some of them dont have any space for a washing machine inside the room. Floor plan for detached houses (Example) • Most detached houses in modern Japan have both Japanese and Western-style rooms. • Some of them have a garden and a parking space. 3. Customs regarding Japanese housing a) Shoes - In Japanese housing, there is an area for removing shoes before stepping up into the main entrance. Japanese people sit on the floor and sleep on a futon on the tatami, the Japanese traditional floor mats, so stepping on them with shoes on is not allowed. If you enter a room wearing shoes and dirt the mats, you might have to pay repair costs. b) Bathroom - In Japan bathing is not only washing the body but also a chance to relax while soaking in the bathtub. Recently bathrooms consisting of a Western-style bath with toilet have become popular, but the Japanese traditional bathroom is separate from the toilet and has a space to wash the body outside the bathtub. Bathtubs are mainly made of plastic or stainless steel. If you live with a Japanese family, you must keep the water in the bathtub as clean as possible because the rest of the family will take turns to use the water after you. Do not use soap in a Japanese-style bathtub. The water is heated mainly by gas. c) Tatami mats - Tatami mats are a traditional floor covering of straw sewn to make a mat about 5.5 cm thick and bound by woven rush. One tatami mat (jo) is also the unit used to indicate the size of a room. New tatami is green and the tatami mats are changed every few years or whenever moving house. d) Futon (thick bedquilt), bed and oshiire (closet) - In a Japanese house, generally the futon is rolled out every night and folded away in the oshiire every morning. During the daytime, the futon is kept inside the oshiire. In this way, a single room can be used for various purposes. If a bed is placed on the tatami mats, they are dented and damaged, so it is recommended to put boards under the legs of the bed. e) City gas and propane gas - Electricity or gas is provided for the stove and bath. There are two types of gas: city gas (coal gas), led to each household from gas company tanks, and propane gas, provided by dealers in the form of cylinders. City gas is managed by Tokyo Gas Co., Ltd. and propane gas is managed by individual dealers. Gas cookers etc. should be supplied by tenants. f) Water supply and drainage - Almost all areas of Kanagawa Prefecture have water supply facilities. You can drink the tap water. In most cases there is a drainage or a water purification tank. The drainage system is not suitable for a disposer. g) Toilet - The Japanese-style toilet has a cover (dome) at the front. When the toilet is shared with other tenants, separate toilet slippers should be used. h) Air conditioning / heating - Some housing has air conditioning/heating but in most cases, tenants have to buy their own. Fuel for heating includes electricity, gas, and kerosene. Sometimes the use of kerosene is prohibited. I) Fusuma and shoji - These are unique Japanese sliding doors to separate rooms. Fusuma is a wooden frame with fusuma paper pasted on both sides. Shoji is a latticed wooden frame with shoji paper windows. It is possible to make a room bigger by removing fusuma to connect the rooms. Fusuma pasting should be done by a specialist but when shoji paper is torn, you can buy shoji paper and repair it yourself. 4. Common problems and how to troubleshoot a) Remove footwear - Do not enter a house with shoes on. Be sure to remove shoes at the entrance. b) Deposit -Most of the problems related to renting involve the deposit. In Japan when you rent a house, you have to pay a deposit to the house owner. This deposit is given to the house owner and returned without any interest when the lease is cancelled. However, repair costs are deducted, so the deposit is usually not returned in full. As the specific agreement of the rent is contained in the rental housing contract, please check the contract thoroughly and dont break it. As for the other expenses when making a contract, please refer to page 39. c) Number of residents - The number of residents is confirmed when the contract is made. Additional residents are not allowed. d) Noise - Do not make loud noises late at night. In apartments, the sound echoes more than you think. As the sound of running a large amount of water also bothers neighbors, try not to run a bath or do washing late at night. e) Pets - There are almost no apartments allowing pets other than small birds and goldfish. If you do find one where you can keep pets, please follow the rules. f) Kitchen - If you cook with a large amount of oil, clean the area soon after by wiping the sink and cooking area. The ventilation fan should also be cleaned regularly. g) Putting out the garbage - Garbage is collected by the municipal government. The collection point, date, and method are determined in each area. There are areas where flammable garbage and nonflammable garbage should be separated. As for large garbage items, there are areas where the collection date is already determined, or you can sometimes arrange to have them picked up. Please consult your neighbors or the municipal government. h) Long-term absence - When you are not at home for a long time, you should notify the house owner. Rent must be paid even when you are away. i) Remodeling of the room - If you want to remodel a room, such as by putting a nail into a pole or attaching a hook to the wall for holding clothes, you should first consult owner. It is assumed that you will leave the room in the condition it was in when you rented it. If you remodel the room and it cannot be returned to its original state, your deposit will not be returned, or additional payments may be required.
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