09/28/2023

Idatha yakamuva evela ku-National Association of Realtors (NAR) ibonisa ukuthi abathengi bezindlu bokuqala babale u-28% wengqikithi yokuthengiswa kwezindlu zase-US engxenyeni yokuqala yalo nyaka, isuka ku-27% ngesikhathi esifanayo ngonyaka odlule.Kusukela ngo-2021 kuya ku-2022, iminyaka ephakathi yabathengi bezindlu bokuqala izokhuphuka isuka ku-33 iye ku-36. Ingqinamba enkulu abathengi basekhaya bokuqala ababhekana nayo ukuthi bangayitholaphi inkokhelo ephansi yendlu yabo yokuqala.Sekuyisikhathi eside uhulumeni wase-California ehlinzeka ngezinhlelo zosizo lokukhokha kulabo abaqalayo ukuthenga izindlu.Lapha, sihlanganise uhlu lwazoUsizo lukahulumeni lwenkokhelo ephansiizinhlelo ezihlinzekwa yizifunda eCalifornia.Mhlawumbe kukhona eyakho!Ake sibone ukuthi iyiphi oyidingayo!

I-Santa Clara County $250,000 Usizo Lwenkokhelo Ephansi

I-Empower Homebuyers wuhlelo lwe-Santa Clara County lokubolekwa kosizo lokukhokha kancane kulabo abaqalayo ukuthenga izindlu.Lolu hlelo luhlinzeka ngosizo olufika ku-$250,000 (ukungeqi ku-30% yenani lokuthenga)!
Inzalo engu-0% engxenyeni yosizo futhi azikho izinkokhelo zanyanga zonke!Idinga ukubuyiselwa kuphela lapho imali ebolekiwe ivuthwa, indawo isidayisiwe, noma ufaka kabusha imali.Kuzodingeka ukhokhe inani losizo kanye nokunye kokukhuphuka kwenani lekhaya lakho.
Yabelana Ngokubonga: Uma uthengisa ikhaya lakho, udinga ukwabelana ngengxenye yokubonga ne-Santa Clara County.Kukhona ikhephu phakathi neminyaka eyishumi yokuqala yesikhathi sokubolekwa futhi akukho umkhawulo ngemuva kweminyaka eyishumi.Ukwabiwa kokwazisa kuncike esilinganisweni senani losizo ngentengo yokuthenga yekhaya.
*Uma sicabanga ukuthi obolekayo uthenga ikhaya ngo-$600,000 futhi asebenzise u-20% ($120,000) usizo lokukhokha, uma indlu ithengisa ngo-$800,000, umboleki uzokweleta u-$120,000 (inani lemalimboleko yasekuqaleni) kanye no-$40,000 (okungukuthi u-20% we-002020 yemalimboleko) , Isamba esingu-$160,000.

Inkokhelo encane yababoleki ngu-3%
Awukho umkhawulo wentengo ephezulu
Isamba semali engenayo yonyaka yonyaka akumele yeqe u-120% wemali engenayo emaphakathi yase-Santa Clara County.

Los Angeles $85,000 Usizo Lwenkokhelo Ephansi

I-Los Angeles County Development Authority (LACDA) yethula uhlelo lwe-HOME OWNERSHIP PROGRAM, oluhlinzeka ngosizo lwenkokhelo ephansi olufika ku-$85,000 noma u-20% yenani lasekhaya (noma yikuphi okuphansi), inzalo engu-0%, futhi azikho izinkokhelo zanyanga zonke!
Kufanele ukhokhe kuphela ingxenye yosizo lapho ikhaya lithengiswa noma lapho ubunikazi besakhiwo bushintsha.Uma indlu idayiswa kungakapheli iminyaka emi-5, u-20% wemali ekhushuliwe kufanele ibuyiselwe ku-LACDA;uma indlu idayiswa ngemva kweminyaka emi-5, yimali yosizo kuphela ebuyiselwayo.
Abafake izicelo kumele benze inkokhelo ephansi okungenani engu-1% (ngaphandle kwezimali ezikhokhwayo) kanye nenkokhelo ephansi engu-$150,000.
Intengo ephezulu yokuthenga indlu ingu-$700,000.
Iholo eliphelele lomndeni akumele lidlule u-80% wemali engenayo emaphakathi yase-Los Angeles.

I-San Diego 17% Usizo Lwenkokhelo Ephansi

Uhlelo losizo lweSifundazwe sase-San Diego luhlinzeka ngosizo lwenkokhelo ephansi olufika kumaphesenti angu-17 yenani elilinganisiwe lekhaya noma inani lokuthenga, kuye ngokuthi iliphi eliphansi.

Inzalo engxenyeni yosizo ingu-3% kanti isikhathi yiminyaka engama-30.Akukho ukukhokha okudingekayo iminyaka engu-30.Ukukhokha kuyadingeka kuphela lapho indawo isidayisiwe, idluliswa, iqashwa noma isikweletu sivuthwa.
Inkokhelo encane yomboleki, ngaphandle kwengxenye yosizo, ingu-3%;isamba esiphelele senkokhelo asikwazi ukweqa u-25% yenani lasekhaya.
Iholo eliphelele lomndeni akumele lidlule u-120% wemali engenayo emaphakathi yaseSan Diego:

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.