12/04/2023

Ngemva kokugqamisa intshisekelo yohlelo lwe-HOP engu-0%.Usizo Lokukhokha Okuphansi (DPA)e-LA County, sijabule ukwethula uhlelo lwe-Empower Homebuyers SCC, olunikeza izinzuzo ezifanayo e-Santa Clara County.

I-Epower Homebuyers SCC: Ngaphezu Kwemali Ebolekiwe Nje

Emgogodleni walo, i-Empower Homebuyers SCC Programme ingaphezu nje kokubolekwa imali;kuwukuzibophezela ekukhuthazeni ukukhula komphakathi nokwenza imindeni ikwazi ukutshala izimpande endaweni echumayo yesifunda sase-Santa Clara.Nazi izimfuneko zohlelo:

1) Inani losizo: Uhlelo luzohlinzeka ngenani eliphezulu lemalimboleko engu-$250,000, kuze kufike ku-30% yenani lokuthenga.Lolu xhaso olukhulu lwezezimali lungashintsha umdlalo ohambweni lwakho lokuthenga ikhaya, ikakhulukazi ngaphandle kwesilinganiso senani lokuthenga.Isibhakabhaka siwumkhawulo wakho endaweni echumayo yemizi nemizi yase-Santa Clara County.

I-2) Izidingo zokuqala zokubolekwa: Imali mboleko yakho ye-mortgage ephezulu kufanele ibe yeminyaka engama-30 engashintshi.Lolu hlelo luletha ukubikezela nokuzinza ekuhlelweni kwakho kwezezimali.Lokhu kubona kusengaphambili kuqinisekisa ukuthi uhambo lwakho oluya kubunikazi bezindlu luvikelekile njengoba luyisifiso sokuvelela.

3) Ukwazisa Okuhlanganyelwe: Uma usebenzisa uhlelo lwe-Empower Homebuyers SCC, inkokhelo yakho ixhunyaniswa nenani elizuzwe ekhaya lakho ngendlela elinganiselwe, ehambelana ngokuqondile nephesenti lemalimboleko yakho.Isibonelo, uma i-akhawunti yakho ye-Empower loan ibiza u-20% wenani loqobo lokuthenga ikhaya lakho, isabelo sakho sokubonga sizoba ngu-20%.Ukukhula kokulingana okusele kuhlala kungokwakho ngokuphelele.Ake sihlukanise lokhu ngesimo esingokoqobo: Ake sithi uthenga ikhaya ngo-$700,000, usebenzisa uhlelo lokunika amandla ukumboza u-20% wale mali, okungu-$140,000.Kamuva, uma uthengisa leli khaya ngo-$800,000, inkokhelo yakho izohlanganisa inani lokuqala lemalimboleko engu-$140,000 kanye no-20% yenani elikhushuliwe lekhaya, kulokhu okungu-$20,000 (20% wemali ebongekayo engu-$100,000).Ngakho-ke, inani lemali ekhokhwayo lingaba ngu-$160,000.
Lokhu kubonga kufinyelelwe eshumini leminyaka lokuqala, okuqinisekisa ukuthi iminyaka yokuqala yokuba nekhaya inethezekile ngokwezimali.Kuthunyelwe uphawu lweminyaka eyishumi, ikepisi lokubonga liyaphakanyiswa, okunikeza abanikazi bezindlu ukuguquguquka okwengeziwe.

Ufanelekela Ukuhlomisa Abakwa-Homebuyers SCC - Ubulula Ngokungcono Kakhulu

1) Ukufaneleka: Kuvulekele labo abahlala noma abasebenza e-Santa Clara County kanye nabathengi bokuqala abathenga indawo yokuhlala eyinhloko ngaphakathi kwesifunda.

2)Inkokhelo Ephansi Encane: Qala uhambo lwakho lokuba ngumninikhaya ngenkokhelo ephansi engu-3%.

3)Izidingo zemfundo: Ikilasi le-HUD eliqinisekiswe amahora angu-8 le-Homebuyer Education elivela ejensi ekhethiwe efaka izicelo zezikhali ngolwazi oludingekayo, eliqinisekisa ukuthi akubona nje abanikazi bezindlu kodwa futhi abafundile.

4)Imikhawulo Yemali Engenayo: Iholo lomndeni elihlanganisiwe, uma kucatshangelwa wonke amalungu amadala, kufanele lihlale lingaphansi kuka-120% Wemali Engenayo Yendawo Ephakathi.Lokhu kuqinisekisa ukuthi lolu hlelo luhlala lufinyeleleka kububanzi obubanzi bomphakathi.
*Imikhawulo Yomholo Ophelele Wekhaya Ngosayizi Womkhaya

Usayizi Wasekhaya	1	2	3	4	5	6	7	8
Umkhawulo Wemali Engenayo	$152,300	$174,050	$195,800	$217,550	$234,950	$252,350	$269,750	$287,150

 

Indlela Yakho Eya Kubunikazi Bekhaya e-Santa Clara County
I-Empower Homebuyers SCC Programme akuyona nje indlela yokuba nomuzi;kuwukuzibophezela ekukhuliseni amaphupho nokwakha imiphakathi ephilayo.Ithuba elihlukile lezisebenzi ezisencane, imindeni ekhulayo, nanoma ubani ofisa ukuba yingxenye yekusasa elinamandla le-Santa Clara County.Ngenhlanganisela yalo yemalimboleko engenanzalo, usizo olukhulu lwezezimali, nendlela egxile emphakathini, lolu hlelo lumi njengobufakazi bokuzinikela kweSanta Clara County enhlalakahleni nasekuchumeni kwabahlali bakhona.

Thatha i-Leap nge-Empower Homebuyers SCC
Yamukela leli thuba eliyingqayizivele lokuvikela ikusasa lakho kwesinye sezifunda zase-California ezinamandla kakhulu.Nge-Empower Homebuyers SCC, qalisa uhambo olugcwele izithembiso namandla.Ikhaya lamaphupho akho e-Santa Clara County akuyona nje into engenzeka—ingaphakathi kuwe.Ake siguqule amaphupho akho obunikazi bekhaya abe iqiniso eliphilayo, elichumayo.Uyemukelwa ekhaya lakho elisha eSanta Clara County!

Ividiyo:I-Homebuyers SCC Programme-Guqula Iphupho Lakho libe Iqiniso eSanta Clara County

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.