The Affordable Rent Act (Wet betaalbare huur)

Kuyambira pa 1 Julayi 2024, dziko la Netherlands lakhala likulamulira kwambiri msika wake wobwereka kuposa kale. Lamulo la Affordable Rent Act — la Lamulo Lotsika Mtengo Wobwereka — Kuwongolera lendi kuchokera ku nyumba za anthu mpaka gawo lapakati pa msika, kunapangitsa kuti dongosolo la mfundo likhale logwirizana osati muyezo, ndipo kunapereka malamulo kwa akuluakulu aboma. Ngati mubwereka nyumba, Amsterdam or Eindhoven, kapena mutabwereka nyumba kumeneko, malamulo omwe ali pansipa ndi omwe amasankha kuchuluka kwa lendi yanu mwalamulo.

Zimene Lamulo la Affordable Rent Act limachita

Lamuloli si lamulo lodziyimira lokha koma ndi lamulo losintha, kulembanso mbali za Buku 7 la Dutch Civil Code, Uitvoeringswet huurprijzen woonruimte, Besluit huurprijzen woonruimte ndi Wet goed verhuurderschap. Zinayamba kugwira ntchito pa 1 July 2024. Zosintha zitatu ndizofunikira kwambiri.

• Malamulo adakulitsidwa mpaka pakati pa nthawiyo. Isanafike Julayi 2024, nyumba zokha zomwe zinali ndi mapointi okwana 143 ndizo zinali zolamulidwa ndi lendi; chilichonse chomwe chinali pamwamba pake chinali "chololedwa" ndipo chikanatha kubwerekedwa pa chilichonse chomwe msika ungakhale nacho. Lamuloli linapanga gulu lolamulira la msika wapakati kuyambira 144 mpaka 186.
• Dongosolo la mfundo linayamba kugwira ntchito. Kale mwini nyumba ankatha kupempha zambiri kuposa mfundo zomwe zinalipo kale ndipo lendi inalipo pokhapokha ngati wobwereka sanatsutse pa nthawi yake. Tsopano lamulo lalikulu ndi lovomerezeka: kuyitanitsa zambiri ndi kosaloledwa, kaya wobwereka akudandaula kapena ayi.
• Dongosolo la mfundo linasinthidwa kukhala lamakono. Gawo la WOZ linatsekedwa, zilembo zamagetsi zinapatsidwa kulemera kwakukulu, malo akunja anapatsidwa mphotho yabwino, ndipo ndalama zowonjezera zinayambitsidwa pa nyumba zatsopano komanso zolembedwa.

Boma panthawiyo linanena kuti nyumba pafupifupi 300,000 pamapeto pake zidzaona kutsika kwa lendi ndi pafupifupi €190 pamwezi, ndipo nyumba pafupifupi 157,000 zomwe zili pakati pa msika zidzatsika ndi pafupifupi €240. Izi zinali zoyembekezeredwa zomwe zinapangidwa pasadakhale, osati zotsatira zomwe zinayesedwa.

Dongosolo lowerengera nyumba (woningwaarderingsstelsel)

Woningwaarderingsstelsel, kapena WWS, imagwiritsa ntchito zinthu zomwe zingayesedwe ndipo imasandutsa ndalama zonsezo kukhala renti yokwanira pamwezi ( kale huur , osaphatikiza zolipiritsa). Zili m'nkhani 5 ya Besluit huurprijzen woonruimte, ndi matebulo olembera m'mawu ake.

Nyumba zodzisamalira zokha

Kwa nyumba yodziyimira payokha — yokhala ndi chitseko chake chakutsogolo, khitchini ndi bafa — mfundo zimaperekedwa chifukwa cha:

• malo okwana pamwamba pa chipinda chilichonse ndi malo aliwonse osungiramo zinthu;
• zipangizo za kukhitchini ndi zaukhondo, kuphatikizapo kutalika kwa denga logwirira ntchito ndi chimbudzi chachiwiri kapena bafa;
• chizindikiro cha mphamvu, chomwe popeza kusinthaku kuli ndi kulemera kwakukulu — chizindikiro chabwino chimawonjezera mfundo zambiri, pomwe zilembo E, F ndi G zimakopa kuchotsera;
• malo akunja monga munda, khonde kapena bwalo la padenga, ndi kuchotsera komwe kulibe;
• mtengo wa WOZ (mtengo wa katundu wa m'boma), womwe umadalira malire kotero kuti malo sangalamulire chiwerengerocho m'malo okwera mtengo;
• nyumba zomwe zalembedwa pa mndandanda, malo osamalira ndi zinthu zazing'ono.

Mfundo iliyonse imafanana ndi ndalama zomwe zili patebulo lofalitsidwa, kotero mfundo 143 ndi 186 iliyonse imamasulira kukhala chiŵerengero cholondola cha euro. Ziwerengerozi zimalembedwa pa 1 Januwale chaka chilichonse motsatira nkhani 12 ya Besluit huurprijzen woonruimte, motsatira njira yomwe ili mu nkhani 27 ya Wet op de huurtoeslag. Chifukwa chake, chiŵerengero chilichonse chomwe mwawerenga chimagwira ntchito chaka chomwe chatchulidwa chokha.

Zipinda ndi malo ena ogona omwe sadzipangira okha

Zipinda, ndi malo ena ogona omwe mumagwiritsa ntchito khitchini kapena bafa limodzi, zimayesedwa ndi dongosolo lina - WWSO - lomwe lasinthidwanso kukhala lamakono ndikukhala logwirizana pa 1 Julayi 2024. Mfundo yothandiza kwa ophunzira ndi akatswiri achinyamata ndi yakuti palibe gawo laulere la zipinda : ngakhale zitakhala zapamwamba bwanji, chipinda chimakhala ndi lendi yokwera kwambiri.

Ndalama zowonjezera: zomanga zatsopano, zipilala ndi mphamvu

Ndime 8a ya Besluit huurprijzen woonruimte imalola kukwezedwa kangapo pa renti yayikulu:

• Ndalama yowonjezera yomanga nyumba yatsopano ya 10% ya nyumba zapakati zomwe zinamangidwa zisanafike pa 1 Januwale 2028, ndipo amapempha zaka makumi awiri kuchokera pamene anayamba kuzigwiritsa ntchito, kuti chitukuko chapakati chikhale chotheka.
• National Monument (rijksmonument): ndalama zowonjezera za 35%.
• Chikumbutso cha chigawo kapena cha boma: ndalama zowonjezera za 15%.
• Maonekedwe a tawuni otetezedwa: ndalama zowonjezera za 5% pa nyumba zomwe zinamangidwa isanafike 1965 m'tawuni yotetezedwa yomwe sinalembedwe pa mndandanda.

Nyumba zomwe zili pamndandandawu zimatetezedwanso ku kuchotsedwa kwa chizindikiro cha mphamvu: m'malo motaya mfundo chifukwa cha chizindikiro choipa, chipilala sichipeza zero pa chinthucho. Palibe kuchotsera kwina kokonzanso; kukonzanso kumadutsa munjira yachizolowezi, kotero mwini nyumba amene akukonzadi nyumbayo - makamaka chizindikiro chake cha mphamvu - amakweza lendi yovomerezeka.

Magawo atatu

Malirewo alembedwa m'magawo. Chiwongola dzanja chilichonse mwa ziwirizi chimasanduka euro pamlingo woyambira lendi poyambira lendi yatsopano, kupatula ndalama zolipirira ntchito. Ziwerengero za eurozo zimalembedwa pa 1 Januwale iliyonse motsatira nkhani 12 ya Besluit huurprijzen woonruimte ndipo zimafalitsidwa ndi Rijksoverheid ndi Huurcommissie , choncho gwiritsani ntchito ndalamazo chaka chomwe lendi imayambira.

Ziwerengero za mapointi ndizo zimayang'anira, osati lendi yopemphedwa: nyumba yomwe ili ndi mapointi 160 ndi nyumba yapakati ngakhale italengezedwa pa €1,600, ndipo ndalama zochulukirapozo sizololedwa.

Mapangano omwe alipo: ulamuliro wosintha

Lamuloli limagwira ntchito yonse pa lendi iliyonse yomwe yatha pa 1 Julayi 2024 kapena pambuyo pake. Pa mapangano omwe adasainidwa tsiku limenelo lisanafike, malamulo osinthira amasiyana malinga ndi kuchuluka kwa mfundo:

• Kufikira mfundo 143, kuchepetsa malire a ufulu wa anthu kuyambira pomwe malonda ayamba. Kale yalamulidwa kale; WWS yatsopano ndipo pazipita yatsopano yagwiritsidwa ntchito kuyambira pa 1 Julayi 2024.
• Kufikira mfundo 143, koma kupitirira malire a ufulu wodzilamulira poyambira — pangano la "ufulu" pa nyumba lomwe kwenikweni lili ndi zigoli zochepa. Lamuloli linagwira izi kuchokera 1 July 2025, patatha chaka chimodzi chosinthira chomwe chimalola eni nyumba kusintha mwaufulu. Kuyambira tsiku limenelo, wobwereka nyumbayo angafune kuti lendi itsitsidwe kufika pa mfundo zapamwamba kwambiri.
• Ma point 144 mpaka 186. Mapangano omwe alipo alipo osati Kuchuluka kwa nyumba yomwe yagulitsidwa pakati pa msika kumadalira kokha kusintha kwa wobwereka, pamene nyumbayo ikubwera.
• Ma point 187 ndi kupitirira apo. Kunja kwa dongosolo; palibe lendi yoyambira yokwanira.

Iyi ndi gawo losamvetsetseka bwino kwambiri la lamuloli. Anthu ambiri obwereka nyumba amaganiza kuti malamulo a msika wapakati amagwira ntchito kwa iwo nthawi imodzi; kwa anthu ambiri obwereka nyumba wapakati sagwira ntchito. Ndikofunikirabe kuti mfundo ziwerengedwe: nyumba yomwe imawoneka ngati yapakati ikhoza kupeza zigoli zosakwana 143 ikangoganiziridwa kuti chizindikiro cha mphamvu yoipa ndi mtengo wa WOZ wocheperako - ndipo nyumbayo yaphimbidwa.

Mfundo zomwe mwini nyumba ayenera kukupatsani

Mwininyumba wobwereka nyumba yolamulidwa kapena yapakatikati ayenera kupatsa wobwereka mapointi motsatira WWS kapena WWSO, ndi lendi yokwanira yofanana, kumayambiriro kwa lendi. Ndalamayi yakhala ikugwiritsidwa ntchito pa mapangano atsopano a lendi kuyambira pa 1 Julayi 2024, pomwe Affordable Rent Act idayamba kugwira ntchito; mphamvu ndi zida za Huurcommissie zokakamiza zinayamba kugwira ntchito mokwanira kuyambira 1 Januware 2025. Ili pakati pa malamulo onse a eninyumba abwino mu nkhani 2 ya Wet goed verhuurderschap, kotero boma likhoza kuikakamiza. Ndi malo abwino oyambira a wobwereka: funsani imodzi mwa zolemba, ndipo ngati palibe yomwe ikubwera ndiye kuti ndi kuphwanya komwe kunganenedwe.

Kukakamiza: kuyambira pa zomwe wobwereka nyumba wachita mpaka zomwe boma la mzinda lachita

Lamuloli lisanayambe, vuto la lendi yokwera kwambiri linali la wobwereka: wobwereka ankayenera kulembetsa ku Huurcommissie mkati mwa miyezi isanu ndi umodzi kuchokera pamene lendi inayamba, ndipo wobwereka yemwe anali pa mgwirizano wakanthawi yemwe ankaopa kuti sadzakonzedwanso nthawi zambiri sankachita chilichonse. Lamuloli linalemba lendi yayikulu kwambiri m'malamulo onse a mwini nyumba wabwino, ndipo kuyambira pa 1 Januwale 2025, maboma amatha kukakamiza malamulo amenewo okha, pogwiritsa ntchito makwerero okweza a Wet goed verhuurderschap:

• chenjezo;
• lamulo lokakamizidwa ndi akuluakulu (onder onder bestuursdwangkapena chilango (last onder dwangsom);
• chindapusa cha oyang'anira (bestuurlijke boete), zomwe zimawonjezeka pakubwerezabwereza;
• pa milandu yoopsa kwambiri yophwanya malamulo mobwerezabwereza, kulanda ulamuliro (beheeroovername), kuika katunduyo pansi pa utsogoleri wa chipani chachitatu.

Chindapusa chachikulu cha oyang'anira chimakhazikitsidwa potengera magulu a chindapusa chalamulo cha nkhani 23 ya Dutch Criminal Code ndipo chimakwera pamene mwini nyumba yemweyo waswa malamulo kachiwiri mkati mwa nthawi yomwe Act imatchula (nkhani 19 ya Wet goed verhuurderschap). Ndalama zamagulu amenewo zimasinthidwa zaka ziwiri zilizonse, kotero denga lomwe limawerengedwa ndi lomwe likugwira ntchito panthawi yophwanya lamulo; ma municipalities amafalitsa matebulo awoawo a chindapusa mkati mwake. Ma municipalities onse ayeneranso kugwira ntchito yopereka malipoti ( meldpunt ) komwe obwereka amatha kunena za machitidwe oipa a lendi, mosadziwika ngati akufuna.

Malamulo a boma salowa m'malo mwa njira zomwe wobwereka nyumbayo amakonza; koma amatsatira njira zomwezo.

• Mkati mwa miyezi isanu ndi umodzi kuchokera pamene lendi yayamba, wobwereka akhoza kupempha Huurcommissie kuti ayesere lendi yoyambira motsatira nkhani 7:249 ya Dutch Civil Code. Lendi yokwera kwambiri imachepetsedwa kuyambira tsiku loyamba.
• Pambuyo pa nthawi imeneyo, wobwereka nyumba yolamulidwa kapena yapakatikati angapemphe mwini nyumbayo kuti achepetse mtengo ndipo, ngati akana, apite ku Huurcommissie motsatira nkhani 7:254 ya Dutch Civil Code. Kuchepetsa kumeneku nthawi zambiri kumagwira ntchito mtsogolo mokha.
• Zigamulo za Huurcommissie zimamanga maguluwo, malinga ndi kutumiza mkanganowo kukhoti lachigawo chaching'ono mkati mwa nthawi yovomerezeka ndi lamulo.

Kodi lendi ingakwere bwanji chaka chilichonse?

Kukwera kwa lendi kumachepetsedwa padera ndi lendi yoyambira, ndipo malirewo amakonzedwanso chaka chilichonse.

• Nyumba zolamulidwa (mpaka mfundo 143). Mtengo wocheperako umagwira ntchito kuyambira pa 1 Julayi chaka chilichonse, ndipo mtengo wokhazikika wa euro m'malo mwake umakhala wotsika kwambiri. Mtengo womwewo umagwiranso ntchito m'zipinda, makaravani ndi malo okwerera.
• Nyumba zapakati pa msika (mapointi 144–186). Pangano lokhalo, lokwera pang'ono, limagwira ntchito. Ngati panganolo likunena za peresenti yotsika, ndalama zomwe zaperekedwa pa panganolo zimapambana; ngati likunena za yokwera, mwini nyumba sangagwiritse ntchito.

Zigawo zonse ziwirizi zimatsatira njira yofanana yovomerezeka: kutsika kwa kukwera kwa mitengo ndi chitukuko cha malipiro chomwe chavomerezedwa pamodzi, kuphatikiza gawo limodzi pa zana. Zimalengezedwa chaka chilichonse ndi Nduna ya Nyumba ndi Mapulani a Malo ndipo zimafalitsidwa pa rijksoverheid.nl zisanayambe kugwira ntchito, choncho tengani chiwerengero cha chaka chokweza osati chomwe mudawerenga chaka chatha. Wobwereka amene amaona kuti kukwera kwakukulu akhoza kuyika pempholi ku Huurcommissie, koma mkati mwa nthawi yomwe Huurcommissie imafalitsa chaka chimenecho, chomwe chimayamba kugwira ntchito pa 1 Julayi chimachitika nthawi yophukira yotsatira. Kuphonya sikusiya kukwera kulikonse. Buku lathu lotsogolera pakukweza lendi pachaka limafotokoza njira zomwe zingatsatidwe.

Momwe lamuloli likugwirizanirana ndi malamulo ena onse obwereketsa aku Dutch

The Good Landlordship Act (Wet goed verhuurderschap)

Kuyambira pa 1 Julayi 2023, Wet goed verhuurderschap imakhazikitsa malamulo adziko lonse okhudza makhalidwe a eni nyumba ndi othandizira kubwereketsa: palibe tsankho pakusankha, palibe kuopseza, ndalama zosapitirira kawiri kuposa lendi yoyambira, mgwirizano wolembedwa wa lendi, chidziwitso cholembedwa kwa wobwereka, palibe ndalama zowirikiza kawiri za bungwe, komanso ndalama zovomerezeka zokha. Lamulo la Affordable Rent Act linawonjezera lendi yayikulu komanso kukwera kwakukulu pamndandandawo, kotero mkangano wa lendi tsopano ndi nkhani yachiweniweni komanso yokhudza malamulo.

Makontrakitala akanthawi pambuyo pa Wet vaste huurcontracten

Lamulo la Mapangano Okhazikika a Nyumba linayamba kugwira ntchito pa 1 Julayi 2024, tsiku lomwelo lomwe linali ndi Affordable Rent Act, ndipo awiriwa ndi abwino kuwerengedwa pamodzi. Malinga ndi nkhani 7:271 ya Dutch Civil Code, wobwereka watsopano wa nyumba yokhazikika tsopano amalandira pangano lotseguka monga lamulo. Mapangano akanthawi amakhala otheka kokha pamagulu ofotokozedwa omwe afotokozedwa mu malamulo operekedwa - pakati pawo ophunzira ena, anthu obwereka nyumba zawo akamagwira ntchito kunja kwakanthawi, kubwereka kwakanthawi pomwe wobwereka akulowedwa m'malo kwakanthawi, ndipo anthu omwe ali m'nyumba zadzidzidzi amafunikira monga omwe ali ndi udindo ndi malo obwereka mwayi wachiwiri - komanso malo ogona osakhazikika. Magulu amenewo alembedwa mu Besluit betaalbare huur (Stb. 2024, 180), yomwe idayamba kugwira ntchito pa 1 Julayi 2024. Kwa anthu akunja izi ndizofunikira: pangano lakale la zaka ziwiri, lomwe lidapangitsa kuti kutsutsa lendi yochulukirapo ikhale yoopsa, sililinso losakhazikika.

Ndalama zolipirira

Ndalama zolipirira utumiki zili kunja kwa malire a WWS ndipo ndi njira yodziwika bwino yopezera zomwe dongosolo la mapointi sililola. Zinthu zololedwa zokha ndi zomwe zingapatsidwe, ndipo Huurcommissie ikhoza kuziyesa. Malamulo atsopano olipirira utumiki akutsatira kuyambira pa 1 Januwale 2027.

Kodi lamuloli limatanthauza chiyani kwa eni nyumba, ndipo chachitika nchiyani kuyambira pamenepo

Kwa wogulitsa ndalama, lamuloli linasintha masamu m'njira zitatu. Mtengo wokwanira wa nyumba yapakati tsopano umadalira makhalidwe a nyumba omwe amayezedwa osati kufunikira kwa nyumbayo, kotero nyumba yomwe ili pamalo abwino koma yopanda mphamvu zambiri ingakhale yotsika mtengo kwambiri ngati nyumba yobwereketsa. Kuchuluka kwa nyumba zomwe zili mkati mwake kumachepetsedwa, kotero kukula kwa ndalama kumakhala kochepa. Ndipo njira yotulukira ndi yokongola: kugulitsa kwa mwini nyumba nthawi zambiri kumakhala kopindulitsa kuposa kupitiriza kubwereketsa.

Zotsatira zomwe zafotokozedwa kwambiri zachitika kuti eni nyumba achinsinsi agulitsa nyumba zoyendetsedwa ndi malamulo ndi zatsopano, kuti kupezeka kwa nyumba zaulere kwachepa pamene kupempha lendi mkati mwake kwakwera, ndipo chitukuko chapakati chachedwetsedwa. Ndalama zowonjezera zomangira zatsopano zomwe zili mu nkhani 8a ya Besluit huurprijzen woonruimte cholinga chake chinali kuthana ndi zomaliza mwa izi. Kuyang'anira msika ndi Kadaster, CBS ndi unduna kumatsimikizira izi: popeza dongosolo la mapointi lidapangidwa kuti likhale logwirizana ndi gawo lapakati pamsika mpaka mpaka mapointi 186 pa 1 Julayi 2024, chiwerengero cha nyumba zakale zobwereka zomwe zinagulitsidwa ndi eni nyumba zachinsinsi chakwera ndipo kupezeka kwa nyumba zaulere kwachepa.

Lamuloli likugwirabe ntchito monga momwe lakhazikitsidwira, ndipo Besluit huurprijzen woonruimte yapitiliza kusinthidwa, posachedwapa mu Epulo 2026, kotero malamulo owerengera mtengo ndi malire ndi cholinga chosuntha. Malipoti owunikira ovomerezeka pa Lamuloli amafalitsidwa chaka chilichonse ndi Unduna wa Nyumba ndi Mapulani a Malo (VRO). Bilu yosiyana, Wet toekomstbestendige huurcommissie (pepala la nyumba yamalamulo 36791), ikufotokoza za kapangidwe ka ndalama za Huurcommissie, mikangano yokhudza ndalama zogwirira ntchito komanso nthawi yogwiritsira ntchito. Nyumba Yoyimira idavomereza pa 21 Epulo 2026; mu Senate lipoti lachiwiri la komiti linaperekedwa pa 14 Julayi 2026 ndipo kukonzekera kolembedwa kukugwirabe ntchito.

Malangizo othandiza

Ngati ndinu wobwereka ndipo mukukayikira kuti lendi ndi yokwera kwambiri

• Funsani mwininyumba polemba kuti akuuzeni mfundozo, ponena ngati simunapatsidwepo.
• Kodi mfundozo ziwerengedwa nokha pogwiritsa ntchito cheke cha mtengo wa lendi cha Huurcommissie, ndi malo anu ogona, chizindikiro cha mphamvu, chisankho cha WOZ ndi malo akunja omwe muli nawo.
• Chongani tsiku la mgwirizano wanu motsatira malamulo osinthira omwe ali pamwambapa - omwe amatsimikizira ngati muli ndi pempho tsopano kapena pakukonzanso kokha.
• Lembani nthawi ya miyezi isanu ndi umodzi kuyambira pachiyambi cha lendi: mkati mwake mutha kupeza kuchotsera kobwerera m'mbuyo, kunja kwake nthawi zambiri kumakhala kotsika kwambiri.
• Nenani nkhaniyi kwa anthu osagwirizana ndi boma lanu nthawi yomweyo. Kukhazikitsa malamulo sikukuwonongerani ndalama ndipo sikudalira kufunitsitsa kwanu kukasuma mlandu.
• Musangosiya kulipira gawo la lendi. Chepetsani ndalamazo pokhapokha ngati mwagwirizana kapena mwasankha.

Ngati ndinu mwini nyumba, tsatirani malamulo a kampani

• Lembani chiŵerengero cha gawo lililonse pansi pa WWS kapena WWSO yomwe ilipo, pa gawo lililonse osati pa nyumba iliyonse, ndipo lembani kuwerengerako.
• Onetsetsani ngati ndalama zowonjezera zikugwiritsidwa ntchito — kumanga nyumba yatsopano, zipilala kapena mawonekedwe a tawuni otetezedwa — chifukwa izi zimasintha kwambiri denga.
• Yang'anani mosamala chizindikiro cha mphamvu: kukweza kutentha, kuphimba kapena kutentha ndiyo njira yolondola kwambiri yopezera lendi yapamwamba kwambiri.
• Patulani ndalama zolipirira ntchito ndi zinthu zololedwa zokha, ndi chikalata choyenera cha pachaka.
• Perekani chiganizo cha mfundozo pa mgwirizano uliwonse watsopano wa lendi, ndipo sungani umboni woti mwatero.
• Unikaninso zigawo zokweza lendi mu mgwirizano wanu wokhazikika poyerekeza ndi malire apachaka; gawo lolola zambiri silingagwiritsidwe ntchito pamlingo umenewo.
• Ngati nyumbayo ikuwonongeka pang'ono, funsani upangiri musanayikonzenso. Kapangidwe kopangidwa ndi zinthu zopangidwa ndi anthu — ndalama zolipirira ntchito zabodza, kulemba molakwika nyumbayo ngati zipinda, kapena kubwereka nyumba yoti ikhale tchuthi — ndi zomwe magulu okhwimitsa malamulo amafuna.

Law & More amalangiza obwereka nyumba ndi eni nyumba za malamulo a lendi a ku Dutch, mu Chingerezi, kuchokera ku Eindhoven ndi AmsterdamKuwerengera mapointi ndi kuwunikanso tsiku la mgwirizano nthawi zambiri kumakhala kofulumira malinga ndi Affordable Rent Act.