Chinese Library: Housing

All Consumer Action publications are available online, with most also available as a PDF download. Government agencies, nonprofits and other community-based organizations who wish to distribute our publications for educational purposes can use the PDF file to instantly produce a professional-looking brochure using an office printer.

Library: Chinese | Money Management 1-2-3: TWO: Achieving Financial Goals (Chinese) .

“Money Management 1-2-3:你一生都應精明理財” ,這本系列手冊的詳述重點著重於初級,中級,和高級程度的基本理財技術方面。第二篇:達成財務規劃目標,文中列明如何更新個人預算表,積存老本,以及保護個人資產。主題內容包括:如何處理預算及債務,申報所得稅需知,關於儲蓄和投資,以及成為屋主及購買相關保險等等。

The “Money Management 1-2-3: Be Smart About Money All Your Life” series focuses on basic money management skills at the beginner, intermediate and advanced level. Part two, Achieving Financial Goals, addresses updating your budget, accumulating a nest egg and protecting your assets. Topics include budgeting and debt management, saving and investing, homeownership and insurance. Category: Credit Debt Collection Housing Insurance Investing Mortgages Money Management Taxes on Sep 24, 2024

Library: Chinese | Fair housing rights for those affected by the pandemic (Chinese) 應對COVID-19(新冠肺炎).

聯邦Fair Housing Act(公平住屋法案)保護租屋申請者、租客、屋主以及預備購屋者免受各種形式的住屋歧視。本刊物解釋在COVID-19新冠肺炎疫情期間,你應受到同樣的住屋權益保護而不被歧視,萬一當你不幸遭遇歧視時你應採取的什麼行動以保障自己的權益。

The federal Fair Housing Act protects rental housing applicants, tenants, homeowners and prospective homebuyers from various forms of discrimination. This publication explains how these same rights may protect you from discrimination related to the COVID-19 pandemic, and the steps to take if you do experience discrimination.

Category: Consumer Rights COVID-19 Pandemic Discrimination Housing Discrimination Tenant Rights on Jul 17, 2020

Library: Chinese | FEMA spells federal disaster relief for homeowners and renters (Chinese) .

聯邦緊急災難處理局(FEMA)在災難發生後提供各類救援計劃,協助受災者整修、重建,或更換他們的住屋及財產。這本刊物詳盡說明聯邦緊急災難處理局(FEMA)各項對於房屋業主及租客所提供的援助,也列舉了各項援助之合格指標及申請程序。刊物同時也特別指明FEMA的救援範圍始終有限,個人還是應該購買適當保險來加強保障。

The Federal Emergency Management Agency (FEMA) offers a variety of programs to help victims of disasters repair, rebuild or replace their homes and possessions. This publication describes the types of FEMA assistance available to homeowners and renters and provides details about program eligibility and the application process. It also highlights the limitations of FEMA assistance and stresses the importance of purchasing adequate personal insurance coverage.

Category: Housing Home Repair Housing Insurance Insurance on Jul 24, 2018

Library: Chinese | Homeowners and renters insurance (Chinese) 在自然災害發生前後你需要了解的事項.

由於大多數的美國居民都住在會發生自然災害的風險地帶,所以幾乎每個家庭都應慎重考慮,在未來一旦失去家園或財產時將如何復原。本刊物詳盡說明哪些損失可以(或是不可以)得到房屋業主或租客的保險理賠; 如何確保購買足夠的保險; 當災難發生後你應該及時採取的求償步驟;以及在保險不足時你仍有哪些可求助的渠道。

With the majority of U.S. residents living in areas at risk of a natural disaster, most households need to seriously consider how they would recover from the loss of their home and possessions. This publication explains which disaster losses are—and are not—covered under a standard homeowners or renters insurance policy, how to make sure you are adequately insured, what steps to take to recover your losses after disaster strikes, and what your options are if your insurance falls short.

Category: Housing Home Repair Housing Insurance Insurance on Jul 11, 2018

Library: Chinese | Personal Bankruptcy: Your financial fresh start (Chinese) .

消費者在承受債務重擔時,申報破產可以再重新規劃個人財務。但是在做這個決定以前,你應該先盡量瞭解關於破產的處理過程,以及個人可能會受到的影響。這本指南對於兩種不同的個人破產型式、申報人的必備條件、相關債務及資產會產生哪些變化、有哪些可以考慮的替代方法、一般會進行的法律程序,以及何處可獲取協助資源及更多訊息等等,均有詳盡說明。

Bankruptcy can offer a financial fresh start for consumers overwhelmed by debt, but there is a lot to know about the process and potential consequences before a decision to file can be made. This guide explains the differences between the two types of personal bankruptcy, what is required of filers, what happens to debts and assets, alternatives to consider, the general legal process, and where to find assistance and more information.

Category: Bankruptcy Credit Consumer Rights Debt Collection Housing Mortgages on Feb 16, 2018

Library: Chinese | Time for an insurance checkup (Chinese) .

個人應該保持適當足夠的保險,其意義在於你每年都需要重新評估自己的保險涵蓋範圍,同時如果你的生活中發生特殊狀況時,你應如何調整個人保險去應對。這本查核個人保險的刊物詳述對於定期查核個人保險條款的重要性,也列舉各項會造成個人保險涵蓋範圍改變的生活特殊狀況。同時內容也有你應如何妥善處理個人保險的相關提示及查核工具,以及各項網上資源鏈接以供消費者查詢。

Staying adequately insured means reassessing your coverage each year and adjusting it in response to specific life events. This Insurance Checkup fact sheet explains why it’s important to revisit your insurance policies regularly, lists specific life events that typically warrant a change in coverage, provides tips and tools for managing your insurance and offers links to resources where you can learn more.

Category: Auto Lending/Insurance Housing Insurance on Aug 16, 2017

Library: Chinese | You Can Buy a Home - The keys to homeownership (Chinese) .

購屋可說是你這輩子所做的最重大的一件事。在這本手冊中,我們專門為可能成為屋主的人提供一系列購屋要訣,包括購屋前的準備,預估購屋花費,尋找合適的房子,還擇合適的房屋抵押貸款比價及下訂單房屋。

Buying a home is one of the most important purchases you’ll ever make. In this brochure, we cover key topics for potential homeowners, including preparing to buy a home, predicting homeownership costs, finding the right home, shopping for a mortgage and making an offer.

Category: Housing Buying a Home Home Financing Mortgages on Sep 06, 2013

Library: Chinese | Filing a Housing Discrimination Complaint (Chinese) .

公平住屋法保障租客及房屋買主不受歧視。如果你自認是住屋歧視受害者,你有權利向HUD提出投訴。如果能瞭解投訴及解決之道,將有助於你衡量抉擇及採取行動。

Fair housing laws protect renters and buyers from discrimination. If you believe you were a victim of housing discrimination, you have the right to file a housing discrimination complaint with HUD. Understanding the complaint and resolution process will help you weigh your options and take action.

Category: Housing Discrimination Home Financing Housing Insurance Mortgages Tenant Rights on Feb 07, 2012

Library: Chinese | Know the Signs of Housing Discrimination (Chinese) .

藉由種族、膚色、宗教、性別、祖籍、家庭狀況,或是殘障等原因而拒絕提供機會,就是住屋歧視,而這是違法的。如果你的房東、售屋者、貸款公司及其他人有以上情形,那是觸犯法律的,身為一位住屋歧視受害者,你可以保護自己的權益。

The denial of housing opportunities because of race, color, religion, sex, nationality, familial status or disability is housing discrimination, and it’s illegal. You can recognize if you are a victim of housing discrimination—and protect your rights—if you know what actions by landlords, sellers, lenders and others are against the law.

Category: Housing Buying a Home Discrimination Mortgages Tenant Rights on Feb 07, 2012

Library: Chinese | Keeping Your Home - Protect your investment (Chinese) .

那些為了成功擁有住屋而去做計劃、訂預算以及有儲蓄的人,他們會有很高的"居者有其屋"機會並且將在幾年之後因為物業增值而建立財富.這本手冊涵蓋了房屋業主的理財責任及經營方法、如何保持和保護個人物業,以及如何增加及保留房屋凈值.

People who plan, budget and save for successful homeownership have a much better chance of keeping a roof over their heads and building wealth as property values increase over the years. This brochure covers the financial responsibilities of homeownership and how to manage them, how to maintain and protect your property, and how to build and preserve your home equity.

Category: Foreclosure Housing Buying a Home Housing Insurance Insurance Mortgages on Sep 28, 2010

Library: Chinese | Saving Your Home from Foreclosure (2009) (Chinese) .

當你付不起房屋抵押貸款時﹐貸款公司就會以法律行動將你的房子查封拍賣。如果在面臨這種情況時你瞭解有關個人的選擇權而且採取適當的行動﹐也許能夠保住家園﹐或者至少減輕一些房子被查封拍賣所造成的財務損失。

Foreclosure is the legal process that your mortgage lender uses to take your home when you fall behind on your mortgage payments. If you are faced with foreclosure, you can work to save your home—or at least limit the financial damage caused by foreclosure—if you understand your options and take the appropriate steps.

Category: Foreclosure Housing Home Financing Mortgages on Mar 26, 2009

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