Usizo lukahulumeni lwenkokhelo ephansi lwabathengi basekhaya bokuqala e-LA County

Ukuthenga umuzi e-Los Angeles County kungase kuzwakale njengempi ekhuphukayo, ikakhulukazi kulabo abathenga izindlu okokuqala ngqa ababhekene nezindleko ezikhulayo zempahla.LEZIkanye nezimfuneko zokukhokha ezehlayo. Ngenhlanhla, izinhlelo zikaHulumeni Zokusiza Ngenkokhelo Ephansi, njenge-HOP80 ne-HOP120 ezihlinzekwa nge-Los Angeles County Development Authority (LACDA), zihlinzeka ngomzila wokuphila. Lezi zinhlelo ziklanyelwe ngokukhethekile abantu abathenga izindlu okokuqala ngqa ezindaweni ezingahlanganisiwe ze-LA County noma amadolobha abamba iqhaza e-HOP, enikeza kufika ku-$100,000 noma u-$85,000 ngokulandelanayo—okufakwe ku-20% yenani lokuthenga—ukusiza ukumboza izinkokhelo nezindleko zokuvala. Ngezici ezifana nezinketho zokukhokha eziphansi kanye nemalimboleko enenzalo ephansi, lezi zinhlelo ziguqula amaphupho omninikhaya abe ngokoqobo.

Kubathengi abaqalayo ukuthenga izindlu, isikhalazo Sosizo Lwenkokhelo Kahulumeni Kahulumeni sitholakala ekufinyeleleni kwayo. Thatha uhlelo lwe-HOP80, isibonelo: luqondise imindeni engatholi ngaphezu kuka-80% wemali engenayo yesifunda, kuyilapho i-HOP120 inweba ukufaneleka kulabo abahola kufika ku-120%. Zombili lezi zinhlelo zivumela abathengi ukuthi bavikele izakhiwo—izindlu zomndeni owodwa, ama-condos, noma izindlu zasedolobheni—ezinenani eliphezulu lokuthenga elingu-$700,000 (HOP80) noma u-$850,000 (HOP120). Ngaphezu kwalokho, lezi zimali mboleko ziza nenani lenzalo elingu-0% nezinkokhelo ezihlehlisiwe, okusho ukuthi akukho mthwalo wanyanga zonke. Ukukhokha kuqalwa kuphela lapho ikhaya lithengiswa, lidluliswa, noma lingasahlali umnikazi, okulenza libe uhlaka lwemali mboleko enenzalo ephansi ebeka phambili ukukwazi ukuthengeka.

Isici senkokhelo eyiziro sishintsha umdlalo. Nakuba abafakizicelo kumele banikele okungenani u-1% wenkokhelo ephansi evela ezikhwameni zabo, I-Government Down Payment Assistance ihlanganisa isamba esikhulu, isusa isidingo sokulondoloza amashumi ezinkulungwane kusengaphambili. Isibonelo, ikhaya elingu-$700,000 elingaphansi kwe-HOP80 lingabona kufikela ku-$100,000 elimboziwe, okushiya umthengi enikela ngo-$7,000 kuphela—okuhluke kakhulu enkokhelweni ephansi engu-20% engu-$140,000. Lokhu kuhambisana namathrendi kazwelonke: ngokusho kwe-National Association of Realtors, u-54% wabantu abaqala ngqa ukuthenga izindlu ngo-2023 bacaphune ukugcinwa kwenkokhelo ephansi njengesithiyo sabo esikhulu. Izinhlelo ezifana nalezi zivala igebe ngempumelelo.

Ngaphandle kosizo lwezezimali, Usizo Lwenkokhelo Kahulumeni Oluphansi luhlanganisa ukuvikela okwakhelwe ngaphakathi kanyeisikhuthazos. Ngokwesibonelo, inguqulo ye-HOP80-2025, ihlanganisa ukwazisa okwabiwe—ukubuyisela imali ebolekiwe kanye nengxenye yokukhuphuka kwenani lekhaya—kodwa le mfuneko iyashabalala uma uhlala ekhaya iminyaka emihlanu. I-HOP120-2025 inweba lesi sikhathi siye eminyakeni eyi-15, inikeze ukuguquguquka okukhulu nakakhulu. Le migomo iqinisekisa ukuthi abathenga izindlu okokuqala ngqa bangakwazi ukwakha ukulingana ngaphandle kwengcindezi esheshayo, konke lokhu bezuza emalimboleko enenzalo ephansi egcina izindleko zilawuleka.

Ukufaneleka kuqondile kodwa kuqondile. Abafakizicelo kumele babe izakhamizi zase-US noma izakhamuzi ezihlala unomphela, baqedele isemina yemfundo yomthengi wasekhaya yamahora ayisishiyagalombili e-HUD, futhi bathenge indawo yokuhlala eyisisekelo e-LA County. Izakhiwo ezihlala abaqashi azifaneleki ngaphandle uma kuyisivumelwano somthengi oqashiwe, oqinisekisa ukuthi ukugxila kuhlala kubanikazi. Ngosizo Lwenkokhelo Kahulumeni Kahulumeni, indlela eya ekubeni umninikhaya iba nzima kakhulu, inikeza inhlanganisela yezinketho zokukhokha eziphansi, imali ebolekiwe enenzalo ephansi, nokusekelwa okuhambisanayo kwabathenga izindlu okokuqala kwenye yezimakethe zezindlu ezibiza kakhulu eMelika.