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为什么?美国的穷人就能买得起房子?

来源: 南方日报网络版     时间: 2019年08月23日 04:04:03
【字体:

澳洲幸运5注册代理平台直招龙虎代理客服QQ【3512770174】诚招代理【在线开户网址um996.com】龙虎和龙虎1赔2.211合1赔9.95,定位胆1赔9.95腾讯分分彩,5分,10分彩,最高返水100反9快,最高赔率,正规信誉大平台平台24h提供注册及登录。为什么?美国的穷人就能买得起房子?

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(在)(拥)(有)(住)(宅)(的)(美)(国)(穷)(人)(家)(庭)(中)(,49%的)(家)(庭)(是)(拥)(有)(独)(立)(住)(宅)((俗)(称)(小)(洋)(楼)()、41%的)(家)(庭)(是)(拥)(有)(公)(寓)(、10%的)(家)(庭)(拥)(用)(有)(活)(动)(房)(屋)(。79.7%的)(穷)(人)(家)(庭)(都)(带)(有)(空)(调)(。
美)(国)(穷)(人)(是)(怎)(样)(住)(得)(起)(房)(子)(的)(?
原)(来)(是)(美)(国)(穷)(人)(的)(标)(准)(有)(点)(高)(
美)(国)(“穷)(人)(”,自)(然)(是)(美)(国)(标)(准)(的)(穷)(人)(。据)(美)(国)(《侨)(报)(》报)(道)(,在)(经)(济)(高)(度)(发)(达)(的)(美)(国)(,穷)(人)(标)(准)(远)(远)(高)(于)(联)(合)(国)(所)(制)(定)(的)(一)(年)(693.5美)(元)((1.9美)(元)(/天)()收)(入)(的)(穷)(人)(标)(准)(,从)(收)(入)(上)(看)(就)(要)(高)(出)(20多)(倍)(。
美)(国)(针)(对)(居)(民)(所)(在)(地)(域)(以)(及)(家)(庭)(成)(员)(数)(不)(同)(,制)(定)(了)(不)(同)(的)(贫)(困)(线)(。整)(体)(来)(看)(,若)(家)(庭)(只)(有)(一)(人)(时)(,各)(州)(贫)(困)(线)(也)(基)(本)(超)(过)(11000美)(元)(/年)(。
最)(近)(一)(次)(公)(布)(的)(数)(据)(显)(示)(,2014年)(的)(贫)(困)(标)(准)(为)(:两)(口)(之)(家)(年)(收)(入)(19662美)(元)(以)(下)(,三)(口)(之)(家)(年)(收)(入)(24737美)(元)(以)(下)(,四)(口)(之)(家)(年)(收)(入)(29812美)(元)(以)(下)(。符)(合)(这)(个)(标)(准)(的)(,即)(为)(穷)(人)(。
从)(下)(图)(中)(,我)(们)(可)(以)(清)(楚)(了)(解)(到)(生)(活)(在)(贫)(困)(线)(之)(下)(人)(群)(分)(布)(情)(况)(:根)(据)(2015年)(的)(数)(据)(,儿)(童)(、残)(障)(人)(士)(以)(及)(早)(退)(休)(者)(占)(贫)(困)(线)(下)(人)(口)(超)(过)(百)(分)(之)(五)(十)(。受)(到)(当)(年)(经)(济)(转)(好)(影)(响)(,劳)(动)(力)(人)(群)(、看)(护)(人)(以)(及)(早)(退)(休)(者)(占)(比)(出)(现)(下)(降)(。
来)(源)(:Brookings.edu
那)(么)(美)(国)(按)(照)(贫)(困)(线)(划)(分)(出)(的)(穷)(人)(有)(多)(少)(人)(呢)(?今)(年)(6月)(,国)(际)(货)(币)(基)(金)(组)(织)((IMF)发)(表)(报)(告)(称)(,美)(国)(贫)(困)(人)(口)(大)(约)(有)(4670万)(,占)(人)(口)(总)(数)(的)(15%,每)(7个)(美)(国)(人)(中)(就)(有)(1个)(生)(活)(在)(贫)(困)(中)(。其)(中)(,每)(5个)(儿)(童)(中)(就)(有)(1个)(、每)(3个)(女)(性)(户)(主)(家)(庭)(就)(有)(1家)(收)(入)(水)(平)(在)(贫)(困)(线)(以)(下)(。
不)(过)(,智)(库)(亚)(当)(斯)(密)(研)(究)(所)(研)(究)(员)(蒂)(姆)(·沃)(斯)(托)((TimWorstall)在)(《福)(布)(斯)(》杂)(志)(网)(站)(撰)(文)(称)(,IMF完)(全)(不)(理)(解)(美)(国)(贫)(困)(水)(平)(。
“举)(个)(明)(显)(的)(例)(子)(,如)(果)(有)(人)(认)(为)(被)(记)(录)(下)(的)(贫)(困)(程)(度)(过)(高)(,则)(将)(会)(提)(出)(各)(种)(政)(策)(从)(而)(降)(低)(贫)(困)(程)(度)(。但)(事)(实)(上)(这)(些)(政)(策)(根)(本)(无)(法)(降)(低)(贫)(困)(程)(度)(,因)(此)(,我)(们)(只)(能)(善)(意)(地)(认)(为)(IMF弄)(不)(明)(白)(原)(测)(量)(数)(据)(,他)(们)(根)(本)(不)(知)(道)(自)(己)(在)(说)(什)(么)(。”
这)(样)(看)(来)(,美)(国)(人)(的)(“穷)(”,不)(是)(那)(么)(简)(单)(。他)(们)(的)(贫)(困)(标)(准)(比)(较)(高)(,因)(此)(更)(多)(人)(被)(划)(分)(到)(穷)(人)(的)(行)(列)(。
购)(房)(政)(策)(和)(房)(贷)(利)(率)(
之)(所)(以)(有)(不)(少)(美)(国)(中)(低)(收)(入)(者)(可)(以)(拥)(有)(自)(己)(的)(住)(处)(,重)(要)(原)(因)(之)(一)(是)(美)(国)(的)(房)(贷)(利)(率)(低)(,远)(低)(于)(普)(通)(商)(业)(贷)(款)(和)(信)(用)(卡)(的)(利)(率)(。
美)(国)(人)(的)(首)(套)(房)(贷)(款)(的)(首)(付)(可)(低)(至)(3.5%甚)(至)(更)(低)(,而)(现)(在)(美)(国)(的)(中)(位)(房)(价)(约)(为)(20万)(美)(元)(,所)(以)(首)(付)(7千)(就)(可)(以)(购)(房)(了)(。
公)(开)(报)(道)(显)(示)(,2014年)(4月)(,美)(国)(多)(伦)(多)(道)(明)(银)(行)((TDBank)宣)(布)(首)(次)(购)(房)(和)(中)(低)(收)(入)(购)(房)(者)(,只)(需)(支)(付)(首)(付)(的)(3%,就)(能)(从)(银)(行)(得)(到)(抵)(押)(贷)(款)(买)(房)(。如)(果)(有)(亲)(友)(、非)(营)(利)(机)(构)(或)(政)(府)(愿)(意)(为)(他)(们)(提)(供)(首)(付)(,贷)(款)(人)(甚)(至)(可)(以)(不)(花)(一)(分)(钱)(从)(银)(行)(得)(到)(贷)(款)(。
富)(国)(银)(行)((WellsFargo)——美)(国)(最)(大)(住)(房)(抵)(押)(贷)(款)(银)(行)(,前)(年)(开)(始)(允)(许)(那)(些)(信)(用)(水)(平)(较)(高)(、购)(买)(了)(抵)(押)(贷)(款)(保)(险)(的)(借)(款)(人)(为)(首)(套)(住)(房)(仅)(支)(付)(5%的)(首)(付)(,其)(中)(2%的)(首)(付)(可)(以)(由)(借)(款)(人)(的)(亲)(友)(代)(其)(交)(付)(。
其)(次)(,房)(屋)(贷)(款)(的)(利)(息)(可)(以)(抵)(税)(。这)(是)(一)(个)(非)(常)(有)(诱)(惑)(力)(的)(优)(惠)(,特)(别)(是)(对)(于)(年)(收)(入)(在)(10-15万)(美)(元)(以)(上)(的)(人)(群)(。据)(统)(计)(,美)(国)(屋)(主)(一)(年)(总)(计)(取)(得)(约)(1000亿)(元)(的)(房)(贷)(利)(息)(抵)(税)(优)(惠)(。纳)(税)(人)(若)(在)(过)(去)(几)(年)(买)(房)(或)(申)(请)(重)(贷)(,每)(月)(房)(贷)(还)(款)(应)(有)(较)(高)(比)(例)(为)(房)(贷)(利)(息)(,可)(望)(因)(此)(省)(下)(更)(多)(税)(金)(。
虽)(然)(这)(些)(优)(惠)(政)(策)(为)(购)(房)(者)(提)(供)(了)(很)(多)(好)(处)(,但)(是)(它)(们)(也)(并)(非)(完)(全)(像)(看)(起)(来)(那)(么)(美)(好)(。
一)(方)(面)(,虽)(然)(购)(房)(首)(付)(低)(,但)(在)(美)(国)(持)(有)(房)(产)(的)(成)(本)(不)(低)(。以)(曼)(哈)(顿)(一)(套)(50多)(年)(楼)(龄)(的)(老)(公)(寓)(为)(例)(,业)(主)(每)(年)(需)(缴)(的)(地)(产)(税)(折)(合)(人)(民)(币)(约)(为)(8.9万)(元)(,高)(持)(有)(成)(本)(自)(然)(会)(在)(某)(种)(程)(度)(上)(降)(低)(一)(次)(性)(的)(购)(买)(价)(格)(。那)(么)(到)(底)(美)(国)(房)(地)(产)(持)(有)(成)(本)(有)(多)(少)(高)(呢)(?
1.美)(国)(各)(个)(州)(的)(房)(地)(产)(税)(都)(是)(不)(同)(的)(,一)(般)(在)(1%-3%左)(右)(,加)(州)(则)(会)(高)(一)(些)(。
2.房)(屋)(保)(险)(。在)(美)(国)(,房)(屋)(是)(可)(以)(买)(保)(险)(的)(。比)(如)(有)(的)(地)(区)(地)(震)(、台)(风)(和)(水)(灾)(比)(较)(多)(,这)(就)(需)(要)(购)(买)(房)(屋)(保)(险)(了)(。
3.庭)(院)(的)(维)(护)(。例)(如)(修)(建)(枝)(桠)(和)(平)(整)(草)(坪)(。
4.社)(区)(费)(。如)(果)(你)(买)(的)(美)(国)(房)(地)(产)(是)(城)(市)(屋)(,会)(有)(一)(个)(社)(区)(费)(,费)(用)(的)(高)(低)(取)(决)(于)(社)(区)(内)(公)(用)(设)(施)(的)(多)(寡)(。
另)(一)(方)(面)(,大)(量)(贷)(款)(背)(后)(藏)(着)(次)(贷)(风)(险)(。2008年)(,美)(国)(金)(融)(危)(机)(就)(是)(因)(次)(级)(抵)(押)(贷)(款)(机)(构)(破)(产)(、投)(资)(基)(金)(被)(迫)(关)(闭)(、股)(市)(剧)(烈)(震)(荡)(引)(起)(的)(金)(融)(风)(暴)(。
在)(美)(国)(,所)(谓)(次)(贷)(,就)(是)(发)(放)(给)(信)(用)(较)(低)(的)(贷)(款)(者)(的)(贷)(款)(。与)(普)(通)(的)(按)(揭)(贷)(款)(不)(同)(,次)(级)(房)(贷)(的)(简)(单)(过)(程)(如)(下)(:信)(用)(较)(低)(的)(人)(从)(次)(级)(放)(贷)(机)(构)(获)(得)(贷)(款)(;放)(贷)(机)(构)(将)(房)(屋)(抵)(押)(的)(债)(权)(出)(售)(给)(投)(资)(银)(行)(,用)(收)(益)(进)(行)(再)(贷)(款)(;投)(资)(银)(行)(则)(将)(债)(权)(重)(新)(包)(装)(成)(债)(券)(,在)(资)(本)(市)(场)(发)(行)(。
随)(着)(2006年)(初)(美)(国)(房)(市)(急)(转)(直)(下)(,房)(价)(迅)(速)(走)(低)(,危)(机)(也)(随)(即)(爆)(发)(。房)(价)(下)(跌)(导)(致)(贷)(款)(人)(手)(中)(的)(房)(屋)(资)(产)(急)(剧)(缩)(水)(,他)(们)(根)(本)(无)(法)(支)(付)(高)(房)(贷)(,只)(能)(拖)(欠)(贷)(款)(。
目)(前)(,美)(国)(住)(房)(市)(场)(已)(经)(走)(出)(了)(深)(度)(滑)(坡)(状)(态)(,房)(价)(上)(涨)(速)(度)(超)(过)(人)(们)(的)(普)(遍)(预)(期)(。但)(房)(价)(快)(速)(上)(涨)(正)(在)(引)(发)(新)(的)(担)(忧)(情)(绪)(:这)(是)(否)(意)(味)(着)(下)(一)(场)(的)(泡)(沫)(?
较)(高)(供)(需)(比)(下)(的)(房)(价)(
根)(据)(美)(国)(人)(口)(统)(计)(网)(站)(2014年)(的)(统)(计)(数)(据)(,纽)(约)(的)(常)(住)(人)(口)(约)(为)(840万)(人)(,即)(使)(算)(上)(一)(部)(分)(未)(统)(计)(在)(内)(的)(人)(口)(,也)(就)(是)(1000万)(人)(左)(右)(的)(水)(平)(;而)(排)(名)(其)(后)(的)(洛)(杉)(矶)(,其)(人)(口)(甚)(至)(没)(有)(超)(过)(400万)(人)(,因)(此)(房)(屋)(需)(求)(量)(相)(对)(而)(言)(比)(较)(小)(。
从)(住)(宅)(供)(应)(量)(来)(看)(,制)(约)(住)(宅)(供)(应)(量)(的)(一)(个)(重)(要)(因)(素)(是)(土)(地)(供)(应)(量)(。美)(国)(人)(少)(、地)(多)(,美)(国)(的)(国)(土)(面)(积)(和)(中)(国)(差)(不)(多)(,但)(美)(国)(国)(土)(中)(至)(少)(有)(一)(半)(为)(平)(原)(,适)(合)(建)(设)(、开)(发)(。需)(求)(量)(和)(供)(应)(量)(共)(同)(影)(响)(住)(宅)(价)(格)(。
因)(此)(,美)(国)(的)(房)(价)(与)(人)(口)(分)(布)(相)(关)(且)(价)(差)(很)(大)(,东)(西)(区)(、纽)(约)(及)(周)(边)(城)(市)(、洛)(杉)(矶)(等)(加)(州)(城)(市)(的)(楼)(价)(较)(贵)(,广)(袤)(的)(中)(部)(地)(区)(的)(楼)(价)(较)(便)(宜)(。以)(公)(寓)(为)(例)(,曼)(哈)(顿)(一)(套)(距)(离)(联)(合)(国)(总)(部)(大)(约)(1公)(里)(、楼)(龄)(50多)(年)(、约)(60平)(方)(米)(的)(公)(寓)(总)(价)(折)(合)(人)(民)(币)(约)(为)(582万)(元)(,单)(价)(约)(为)(10万)(元)(。
就)(美)(国)(的)(整)(体)(房)(价)(来)(看)(,一)(套)(三)(房)(公)(寓)(的)(中)(间)(价)(约)(为)(20万)(美)(元)(,中)(间)(地)(区)(大)(部)(分)(地)(方)(的)(房)(价)(,都)(不)(到)(20万)(美)(元)(。
一)(位)(华)(人)(移)(民)(曾)(谈)(到)(美)(国)(的)(两)(个)(中)(部)(城)(市)(——底)(特)(律)(和)(堪)(萨)(斯)(城)(的)(房)(价)(,就)(人)(口)(而)(言)(,这)(两)(个)(城)(市)(在)(美)(国)(排)(在)(10-50位)(之)(间)(,算)(是)(二)(线)(城)(市)(。但)(是)(人)(口)(100万)(都)(不)(到)(。房)(价)(也)(便)(宜)(,一)(个)(楼)(都)(只)(要)(10几)(万)(,甚)(至)(不)(到)(10万)(,20万)(出)(头)(都)(是)(很)(好)(的)(房)(子)(了)(。
另)(外)(,美)(国)(几)(乎)(人)(人)(有)(车)(,所)(以)(每)(个)(人)(的)(生)(活)(范)(围)(扩)(大)(了)(很)(多)(,穷)(人)(买)(房)(时)(候)(的)(选)(择)(余)(地)(也)(很)(多)(。
在)(拥)(有)(住)(房)(的)(家)(庭)(中)(,其)(拥)(有)(房)(产)(的)(种)(类)(依)(据)(价)(格)(从)(高)(至)(低)(的)(顺)(序)(为)(:独)(立)(房)((就)(是)(中)(国)(人)(说)(的)(别)(墅)(,有)(自)(己)(的)(院)(子)(和)(车)(库)(,独)(立)(拥)(有)(周)(围)(的)(地)(产)();连)(栋)(屋)(、公)(寓)(楼)((两)(家)(或)(以)(上)(相)(连)(,共)(享)(周)(围)(的)(绿)(地)();活)(动)(板)(房)((只)(能)(停)(在)(租)(用)(的)(指)(定)(区)(域)(,房)(子)(底)(下)(有)(轮)(子)(,随)(时)(可)(以)(拖)(走)(,房)(主)(不)(拥)(有)(土)(地)()。
住)(房)(补)(贴)(和)(福)(利)(保)(障)(
美)(国)(联)(邦)(政)(府)(对)(穷)(人)(提)(供)(住)(房)(补)(贴)(。
房)(屋)(补)(贴)(有)(许)(多)(不)(同)(的)(方)(式)(,比)(如)(老)(年)(低)(收)(入)(者)(可)(以)(入)(住)(老)(年)(公)(寓)(;希)(望)(买)(房)(子)(的)(低)(收)(入)(者)(可)(以)(申)(请)(购)(买)(限)(价)(屋)(;对)(于)(负)(担)(不)(起)(房)(租)(的)(低)(收)(入)(家)(庭)(,则)(有)(房)(租)(补)(贴)(项)(目)(,俗)(称)(为)(“第)(八)(款)(”(Section8),因)(为)(这)(个)(补)(贴)(项)(目)(是)(根)(据)(《住)(房)(法)(》第)(八)(款)(的)(规)(定)(以)(及)(后)(来)(的)(补)(充)(规)(定)(来)(运)(作)(的)(。
Section8即)(第)(八)(住)(房)(补)(贴)(方)(案)((Section8Housing),最)(早)(为)(美)(国)(1937年)(住)(房)(法)(案)((HousingActof1937),其)(后)(又)(被)(反)(复)(修)(改)(增)(补)(,它)(授)(权)(发)(放)(补)(贴)(给)(私)(营)(公)(寓)(老)(板)(或)(低)(收)(入)(者)(,用)(以)(帮)(助)(低)(收)(入)(家)(庭)(能)(支)(付)(得)(起)(租)((买)()房)(的)(费)(用)(。除)(了)(拥)(有)(房)(产)(的)(人)(之)(外)(,其)(余)(的)(家)(庭)(也)(能)(租)(房)(子)(住)(。
美)(国)(住)(房)(和)(城)(市)(发)(展)(部)((TheUSDepartmentofHousingandUrbanDevelopment)是)(具)(体)(负)(责)(低)(收)(入)(租)(房)(补)(贴)(运)(作)(的)(主)(要)(联)(邦)(机)(构)(。所)(谓)(的)(低)(收)(入)(者)(,根)(据)(住)(房)(和)(城)(市)(发)(展)(部)(的)(定)(义)(,是)(收)(入)(低)(于)(当)(地)(家)(庭)(中)(间)(收)(入)((HouseholdMedianIncome)的)(百)(分)(之)(三)(十)(。
公)(共)(住)(房)(机)(构)(还)(会)(对)(申)(请)(者)(进)(行)(严)(格)(的)(调)(查)(,调)(查)(内)(容)(包)(括)(家)(庭)(收)(入)(、财)(产)(、有)(无)(犯)(罪)(记)(录)(等)(等)(,通)(过)(调)(查)(的)(家)(庭)(可)(以)(列)(入)(等)(候)(名)(单)(。
这)(些)(补)(贴)(主)(要)(分)(为)(三)(类)(:第)(一)(类)(是)(被)(补)(贴)(者)(可)(以)(用)(它)(付)(房)(租)(,也)(可)(以)(用)(来)(支)(付)(买)(房)(的)(月)(付)(,美)(国)(目)(前)(每)(年)(有)(170亿)(美)(元)(用)(于)(这)(个)(目)(的)(,这)(个)(凭)(证)(的)(最)(高)(限)(额)(是)(每)(个)(月)(2,200美)(元)(。它)(支)(付)(着)(美)(国)(大)(约)(两)(百)(一)(十)(万)(贫)(困)(家)(庭)(的)(绝)(大)(部)(分)(房)(租)(和)(水)(电)(气)(费)(。
另)(外)(两)(类)(更)(适)(合)(租)(房)(者)(。一)(种)(以)(租)(户)(为)(基)(础)(,受)(补)(贴)(者)(可)(以)(自)(由)(选)(择)(居)(住)(地)(区)(及)(承)(租)(房)(屋)(类)(型)(,租)(金)(补)(贴)(由)(地)(方)(公)(共)(住)(房)(机)(构)(直)(接)(付)(给)(屋)(主)(,剩)(余)(部)(分)(租)(金)(则)(由)(租)(户)(直)(接)(付)(给)(屋)(主)(。当)(然)(,所)(租)(房)(屋)(租)(金)(是)(有)(上)(限)(的)(,一)(般)(来)(说)(是)(根)(据)(当)(地)(平)(均)(水)(准)(设)(定)(的)(。
当)(租)(户)(选)(择)(高)(于)(合)(理)(市)(场)(租)(金)(的)(住)(房)(时)(,要)(自)(行)(负)(担)(超)(出)(部)(分)(的)(租)(金)(。公)(共)(住)(房)(机)(构)(给)(予)(的)(租)(金)(补)(贴)(介)(于)(合)(理)(租)(金)(标)(准)(与)(家)(庭)(30%的)(收)(入)(之)(间)(。
另)(外)(还)(有)(一)(种)(方)(法)(是)(以)(房)(屋)(为)(基)(础)(,就)(是)(受)(补)(贴)(者)(只)(能)(将)(补)(贴)(用)(于)(租)(赁)(被)(指)(定)(的)(住)(房)(;政)(府)(预)(先)(与)(房)(东)(商)(量)(好)(,将)(房)(东)(的)(房)(子)(作)(为)(住)(房)(补)(贴)(屋)(,固)(定)(出)(租)(给)(得)(到)(住)(房)(补)(贴)(的)(家)(庭)(,同)(样)(,租)(房)(者)(需)(要)(付)(不)(超)(过)(百)(分)(之)(三)(十)(的)(收)(入)(作)(为)(租)(金)(的)(一)(部)(分)(,不)(足)(部)(分)(由)(政)(府)(支)(付)(。
收)(入)(少)(,付)(得)(少)(。比)(如)(月)(收)(入)(2千)(,就)(付)(6百)(。如)(果)(房)(子)(是)(自)(己)(买)(的)(呢)(?同)(等)(待)(遇)(。你)(用)(收)(入)(的)(30%付)(月)(供)(。
由)(于)(租)(房)(补)(贴)(项)(目)(使)(得)(低)(收)(入)(家)(庭)(比)(较)(容)(易)(找)(到)(合)(适)(的)(房)(子)(,所)(以)(大)(受)(欢)(迎)(,目)(前)(全)(美)(享)(受)(到)(这)(项)(政)(策)(好)(处)(的)(约)(有)(三)(百)(万)(户)(居)(民)(。
事)(实)(上)(,美)(国)(各)(地)(的)(情)(况)(并)(不)(完)(全)(一)(致)(。在)(有)(的)(地)(方)(,政)(府)(仍)(为)(低)(收)(入)(者)(提)(供)(一)(些)(公)(共)(住)(房)(。但)(无)(论)(如)(何)(,租)(金)(补)(贴)(是)(目)(前)(美)(国)(为)(低)(收)(入)(者)(解)(决)(住)(房)(问)(题)(的)(主)(要)(途)(径)(。
除)(了)(联)(邦)(政)(府)(的)(租)(房)(补)(贴)(项)(目)(外)(,各)(地)(还)(有)(自)(己)(的)(租)(房)(补)(贴)(项)(目)(,例)(如)(弗)(吉)(尼)(亚)(州)(费)(尔)(法)(克)(斯)(郡)(政)(府)(管)(理)(着)(一)(千)(五)(百)(一)(十)(六)(个)(住)(房)(单)(位)(可)(以)(出)(租)(给)(低)(收)(入)(家)(庭)(。
对)(一)(些)(因)(无)(法)(控)(制)(的)(原)(因)(比)(如)(自)(然)(灾)(害)(、裁)(员)(等)(突)(然)(失)(去)(家)(园)(的)(人)(家)(,美)(国)(也)(有)(救)(助)(站)(或)(称)(“庇)(护)(所)(”,无)(家)(可)(归)(者)(可)(以)(申)(请)(到)(这)(里)(免)(费)(吃)(住)(,里)(面)(设)(有)(家)(庭)(间)(、男)(人)(间)(、女)(人)(间)(,还)(有)(独)(立)(或)(共)(用)(的)(卫)(生)(间)(,并)(设)(有)(食)(堂)(、电)(视)(图)(书)(室)(、健)(身)(房)(、教)(室)(、电)(脑)(室)(、洗)(衣)(房)(、儿)(童)(游)(乐)(场)(等)(。
不)(准)(吸)(毒)(、喝)(酒)(,按)(时)(熄)(灯)(、起)(床)(,白)(天)(必)(须)(出)(去)(找)(工)(作)(或)(接)(受)(社)(区)(的)(免)(费)(职)(业)(技)(能)(培)(训)(,住)(在)(避)(难)(所)(须)(遵)(守)(相)(关)(规)(定)(。找)(到)(工)(作)(之)(后)(,收)(入)(的)(10%用)(于)(交)(房)(租)(,65%由)(庇)(护)(所)(代)(为)(保)(管)(,攒)(够)(了)(2500美)(元)(,就)(可)(以)(离)(开)(庇)(护)(所)(到)(社)(会)(上)(租)(房)(子)(独)(立)(生)(活)(了)(。
任)(职)(美)(国)(大)(学)(的)(华)(裔)(姚)(鸿)(恩)(曾)(写)(道)(,“美)(国)(确)(实)(能)(看)(到)(流)(浪)(汉)(。但)(是)(,实)(际)(上)(,有)(许)(多)(人)(是)(将)(流)(浪)(看)(作)(自)(己)(的)(生)(活)(方)(式)(。”
低)(收)(入)(租)(房)(补)(贴)(项)(目)(虽)(然)(对)(“居)(者)(有)(其)(屋)(”发)(挥)(了)(很)(好)(的)(作)(用)(,但)(也)(受)(到)(不)(少)(批)(评)(。
其)(中)(之)(一)(是)(着)(名)(专)(栏)(作)(家)(丶)(记)(者)(罗)(申)((HannaRosin)2008年)(发)(表)(在)(《大)(西)(洋)(月)(刊)(》上)(的)(文)(章)(。
罗)(申)(在)(文)(章)(中)(分)(析)(了)(田)(纳)(西)(州)(孟)(菲)(斯)(地)(区)(犯)(罪)(率)(居)(高)(不)(下)(的)(原)(因)(,指)(出)(许)(多)(低)(收)(入)(家)(庭)(由)(于)(获)(得)(租)(房)(补)(助)(,可)(以)(在)(中)(产)(社)(区)(居)(住)(,造)(成)(这)(些)(社)(区)(罪)(犯)(率)(上)(升)(。
此)(外)(,批)(评)(租)(房)(补)(贴)(项)(目)(的)(人)(也)(指)(出)(政)(府)(将)(大)(笔)(的)(钱)(补)(贴)(给)(低)(收)(入)(家)(庭)(,让)(他)(们)(能)(够)(在)(中)(产)(社)(区)(居)(住)(是)(没)(有)(将)(钱)(用)(到)(点)(子)(上)(,如)(果)(能)(够)(将)(补)(助)(费)(用)(降)(低)(,就)(可)(以)(使)(更)(多)(有)(需)(要)(的)(家)(庭)(得)(到)(帮)(助)(。
总)(之)(,美)(国)(的)(地)(理)(条)(件)(、人)(口)(数)(量)(、经)(济)(水)(平)(为)(更)(多)(人)(买)(得)(起)(房)(子)(提)(供)(了)(最)(基)(础)(的)(条)(件)(,在)(政)(府)(贷)(款)(政)(策)(和)(福)(利)(补)(贴)(的)(保)(障)(下)(,美)(国)(穷)(人)(们)(基)(本)(可)(以)(有)(房)(子)(住)(,稍)(微)(好)(些)(的)(还)(能)(拥)(有)(不)(错)(的)(住)(房)(条)(件)(。
经)(历)(过)(08年)(次)(贷)(危)(机)(后)(的)(美)(国)(,在)(过)(去)(几)(年)(一)(直)(采)(取)(积)(极)(措)(施)(逐)(渐)(走)(出)(金)(融)(危)(机)(的)(阴)(影)(,量)(化)(宽)(松)(政)(策)(起)(到)(了)(重)(大)(作)(用)(,但)(这)(并)(不)(代)(表)(风)(险)(已)(经)(消)(失)(。在)(市)(场)(复)(苏)(过)(程)(中)(,仍)(应)(对)(各)(种)(危)(机)(因)(素)(保)(持)(警)(惕)(。
(参)(考)(资)(料)(来)(源)(:澎)(湃)(新)(闻)(网)(、人)(民)(网)(、理)(财)(周)(刊)(、环)(球)(网)(、网)(易)(财)(经)(、第)(一)(财)(经)(研)(究)(院)(、昆)(仑)(策)(研)(究)(院)(、腾)(讯)(家)(居)(、羊)(城)(晚)(报)(、网)(易)(家)(居)(、心)(路)(独)(舞)(微)(信)(公)(众)(号)(、新)(华)(网)(、第)(一)(财)(经)(日)(报)(、华)(尔)(街)(见)(闻)()
来)(源)(:财)(经)(网)((caijingwangwx)
温)(馨)(提)(示)(:现)(在)(公)(众)(号)(有)(置)(顶)(功)(能)(了)(,大)(家)(把)(微)(信)(更)(新)(到)(最)(新)(版)(本)(,点)(开)(“经)(济)(的)(常)(识)(”公)(众)(号)(,点)(“置)(顶)(公)(众)(号)(”键)(,就)(可)(以)(将)(我)(们)(置)(顶)(了)(。这)(样)(,您)(就)(可)(以)(第)(一)(时)(间)(发)(现)(我)(们)(。
60714学)(区)(房)(该)(不)(该)(买)(,计)(量)(经)(济)(学)(告)(诉)(你)(!
60628王)(石)(,若)(是)(真)(英)(雄)(,你)(就)(杀)(回)(来)(!
60627王)(石)(:绝)(对)(不)(离)(开)(万)(科)(,陪)(伴)(才)(是)(最)(美)(的)(存)(在)(
60624重)(磅)(!英)(国)(成)(功)(脱)(欧)(!如)(何)(影)(响)(你)(的)(钱)(袋)(子)(
60619海)(底)(捞)(的)(服)(务)(有)(毒)(全)(国)(网)(友)(都)(炸)(了)(
606105大)(全)(球)(知)(名)(制)(造)(企)(业)(同)(时)(撤)(离)(!苦)(日)(子)(要)(来)(了)(!
60531明)(天)(起)(,这)(些)(新)(规)(将)(影)(响)(你)(的)(生)(活)(
60530房)(子)(过)(户)(给)(子)(女)(哪)(种)(方)(式)(最)(合)(适)(?买)(卖)(?赠)(与)(?继)(承)(?不)(看)(就)(亏)(大)(了)(
60521《欢)(乐)(颂)(》教)(会)(我)(们)(的)(14个)(道)(理)(返)(回)(搜)(狐)(,查)(看)(更)(多)(
责)(任)(编)(辑)(:
)


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