Izinzuzo Eziphezulu Zosizo Lukahulumeni Lwenkokhelo Ephansi e-LA

Ukuzulazula emakethe yezindlu yase-Los Angeles kungase kusabise, kodwa izinhlelo zikaHulumeni Zokusiza Ngenkokhelo Ephansi njenge-HOP80 ne-HOP120 zinikeza umzila wokuphila kubathengi abahola kancane ukuya kwemaphakathi. Yenzelwe isakhamuzi sokuqalaLEZIe-LA County engahlanganisiwe noma emadolobheni abamba iqhaza e-HOP, lezi zinketho zokusiza ezisekelwe emalini zinikeza kufika ku-$100,000 noma u-$85,000—okufinyelelwe ku-20% yenani lokuthenga—ukumboza izinkokhelo nezindleko zokuvala. Nazi izinzuzo eziphezulu ezenza lezi zinhlelo zeholo eliphansi ukuya kokumaphakathi kube okufanele uzazi kulabo abafisa ukuba ngabanikazi bezindlu.

1. Usizo Olusekelwe Emalini EngenayoOkokusekela Okuqondisiwe
   I-Government Down Payment Assistance iklanywe kucatshangwa ngemikhawulo yemali engenayo: I-HOP80 ilingana no-80% wemali engenayo emaphakathi ye-LA County, kuyilapho i-HOP120 inwebela ku-120%, elungiswa ngosayizi womndeni. Lokhu kuqinisekisa ukuthi izinhlelo zeholo eliphansi ukuya kokumaphakathi lifinyelela kulabo abazidinga kakhulu. Emndenini onabane, umkhawulo weholo le-HOP120 lika-2025 uzulazula cishe ku-$130,000, ngokwezilinganiso ze-LACDA, okwenza kufinyeleleke kuxhaxha lwemizi esebenzayo.
2. Ukuvala Usizo Lwezindleko Zokunciphisa Umthwalo
   Ngale kwezinkokhelo eziphansi, lezi zinhlelo zihlanganisa izindleko zokuvala, ezingasukela ku-2-5% yenani lokuthenga—$14,000 kuya ku-$35,000 ngekhaya elingu-$700,000, ngokusho kwedatha ye-Zillow. I-Government Down Payment Assistance ingena ngenzalo engu-0%, imalimboleko ehlehlisiwe, ekhokhwa kuphela uma udayisiwe noma uma udluliswa. Lolu sizo lwezindleko zokuvala lunciphisa izindleko zangaphambili, luvumela abathengi abafana nalabo abasemadolobheni abamba iqhaza ku-HOP ukuthi bagxile ekuzinzeni.
3. Izinhlelo Zokuthola Imali Ephansi Kuya Kumaphakathi ezinemigomo eguqukayo
   I-HOP80 ne-HOP120 zibhangqwa ne-FHA, VA, noma imali mboleko evamile enesilinganiso esinqunyiwe nezintengo zokuthenga ikhephu engu-$700,000 kanye no-$850,000, ngokulandelana. Isici sokubonga okwabiwe—ukubuyisela imali ebolekiwe kanye nesabelo sokwenyusa inani—siphela ngemva kweminyaka emihlanu (HOP80) noma engu-15 (HOP120), sinikeza ukuguquguquka kwesikhathi eside. Umbiko we-Redfin wango-2024 uphawula ukuthi intengo yasekhaya yase-LA County ifinyelele ku-$820,000, ogcizelela ukuthi lezi zinhlelo zigcina kanjani ubunikazi bufinyeleleka.

Izinzuzo ezengeziwe zifaka isemina yemfundo egunyazwe yi-HUD yamahora ayisishiyagalombili edingekayo, ukuqinisekisa ukuthi abathengi bayaziswa, kanye nomnikelo womboleki ongu-1% obuncane, okugqugquzela ukutshalwa kwezimali ngaphandle kokonga okukhulu. Usizo Lukahulumeni Lwenkokhelo Ephansi alukona nje uxhaso—luyindlela ehlelekile eya ekuzinzeni kubathengi abahola kancane ukuya kokumaphakathi e-LA County.