Vula Ubunikazi Bekhaya Ngezinhlelo Zosizo Lwenkokhelo Ephansi ze-CalHFA

Ukuthenga ikhaya eCalifornia kungaba yinto ethokozisayo kodwa esabekayo, ikakhulukazi kubathengi basekhaya bokuqala ababhekene nenselelo yokonga imali.Inkokhelo yokubambisa. Ngenhlanhla, i-CalHFA inikeza izinhlelo Zosizo Lwenkokhelo Ephansi ezihlinzeka ngosekelo lwezezimali olubalulekile ukuze zenze ubunikazi bezindlu bufezeke kakhudlwana.

Izinhlelo ze-CalHFA zinikeza Usizo Lwenkokhelo Ephansi ngezindlela ezihlukahlukene, okuhlanganisa izibonelelo nezimali mboleko, ukuze zisize abathengi ukukhokhela izindleko zangaphambili zokuthenga umuzi. Lezi zinhlelo zizuzisa kakhulu kubabuyekezi basekhaya bokuqala okungenzeka bangabi nayo imali etholakala kalula ukuze bakhokhelwe kodwa abasafisa ukufanelekela ukubolekwa imali. Ngokunciphisa inani elidingekayo lokukhokha kancane, izinhlelo ze-CalHFA zisiza ekwehliseni umthwalo wezezimali futhi zivumele abathenga izindlu ukuthi baqhubekele phambili nokuthenga kwabo.

Olunye lwezinhlelo ezivelele ezivela ku-CalHFA wuHlelo Losizo Lwe-MyHome, olunikeza Usizo Lwenkokhelo Ephansi olungafika ku-3.5% yenani lokuthenga ikhaya noma inani elilinganisiwe. Lolu sizo lungasiza ukumboza kokubili inkokhelo ephansi nezindleko zokuvala, okwenza uchwepheshe opheleleLEZIs lokuthenga ikhaya elithengeka kakhulu. Ngokuhlanganisa lolu sizo nemalimboleko yokuqala ye-CalHFA, abathengi banganciphisa kakhulu izindleko zabo eziphuma ephaketheni.

Ngaphezu kwezinzuzo zezezimali, i-CalHFA iphinde yenze lezi zinhlelo Zosizo Lwenkokhelo Ephansi zifinyeleleke kuhlu olubanzi lwabathengi. Nakuba kunezidingo ezithile zeholo kanye nezikweletu, i-CalHFA ilwela ukuqinisekisa ukuthi abathengi abafanelekile bangakwazi ukusizakala ngezinhlelo ukwenza iphupho labo lokuba nekhaya libe yimpumelelo. Abathengi kufanele bathenge indawo yokuhlala eyinhloko e-California, kodwa indlela yokufaneleka iklanyelwe ukusiza abathengi abaningi ngangokunokwenzeka.

Sengiphetha, i-CalHFA kanye nezinhlelo zayo Zokusiza Ngenkokhelo Ephansi zinikeza izinsiza ezibalulekile zokusiza Abathenga Kwasekhaya Okokuqala ECalifornia banqobe izithiyo zezimali zokuthenga ikhaya. Lezi zinhlelo zenza ubunikazi bezindlu bufinyeleleke kakhulu ngokunikeza ukusekelwa kwezezimali ngezindleko zokukhokha eziphansi nezokuvala. Uma ucabanga ukuthenga ikhaya e-California, qiniseka ukuthi uhlola izinketho ezihlukahlukene Zosizo Lwenkokhelo Ephansi ezitholakala nge-CalHFA ukuze usize ukwenza uhambo lwakho lokuba umninikhaya lube impumelelo.