09/28/2023

Zomwe zaposachedwa kwambiri kuchokera ku National Association of Realtors (NAR) zikuwonetsa kuti ogula nyumba koyamba adawerengera 28% ya malonda onse aku US mchaka choyamba cha chaka chino, kuchokera ku 27% munthawi yomweyo chaka chatha.Kuyambira 2021 mpaka 2022, zaka zapakatikati za ogula nyumba oyamba adzakwera kuchoka pa 33 kufika pa 36. Vuto lalikulu lomwe ogula nyumba koyamba amakumana nalo ndi komwe angapeze ndalama zolipirira nyumba yawo yoyamba.Boma la California lapereka kwanthawi yayitali mapulogalamu othandizira kulipira kwa omwe amagula nyumba koyamba.Apa, talemba mndandanda waThandizo la Boma Lopereka Malipiromapulogalamu operekedwa ndi zigawo ku California.Mwina pali imodzi yanu!Tiyeni tiwone yomwe mukufuna!

Santa Clara County $250,000 Down Payment Thandizo

Empower Homebuyers ndi pulogalamu ya ngongole yothandizira kubweza ya Santa Clara County kwa ogula nyumba koyamba.Pulogalamuyi imapereka chithandizo mpaka $250,000 (osapitirira 30% ya mtengo wogula)!
0% chiwongola dzanja pagawo lothandizira ndipo palibe malipiro apamwezi!Ingoyenera kubweza ngongole ikakhwima, malowo agulitsidwa, kapena mukukonzanso.Muyenera kubweza ndalama zothandizira ndi zina mwazowonjezera zamtengo wanyumba yanu.
Gawirani Chiyamikiro: Mukagulitsa nyumba yanu, muyenera kugawana nawo gawo la chiyamikiro ndi Santa Clara County.Pali kapu pazaka khumi zoyambirira za nthawi ya ngongole ndipo palibe kapu pakadutsa zaka khumi.Kugawika kwa chiyamikiro kumatengera chiŵerengero cha kuchuluka kwa chithandizo ku mtengo wogulira nyumbayo.
*Kungoganiza kuti wobwereka amagula nyumba $600,000 ndikugwiritsa ntchito 20% ($120,000) thandizo lobweza, ngati nyumbayo ikugulitsa $800,000, wobwereketsa adzalandira $120,000 (ndalama zongongole) kuphatikiza $40,000 (ie 20% ya 0200) , Chiwerengero chonse cha $160,000.

Kulipira kochepa kwa obwereka ndi 3%
Palibe malire amtengo wapatali
Ndalama zonse zapakhomo zapachaka siziyenera kupitirira 120% ya ndalama zapakatikati za Santa Clara County.

Los Angeles $85,000 Thandizo Lolipirira Pansi

Bungwe la Los Angeles County Development Authority (LACDA) likuyambitsa pulogalamu ya HOME OWNERSHIP PROGRAM, yomwe imapereka chithandizo cha malipiro otsika mpaka $85,000 kapena 20% ya mtengo wanyumba (chilichonse chomwe chili chotsika), chiwongoladzanja cha 0%, ndipo palibe malipiro a mwezi uliwonse!
Muyenera kubwezera gawo lothandizira nyumbayo ikagulitsidwa kapena umwini wa malowo ukasintha.Ngati nyumbayo idagulitsidwa mkati mwa zaka 5, 20% ya kuchuluka kwa mtengo wa nyumbayo iyenera kubwezeredwa ku LACDA;ngati nyumbayo idagulitsidwa pakadutsa zaka 5, ndalama zothandizidwa ndizobwezedwa.
Olembera ayenera kulipira osachepera 1% (kupatula zolipiritsa) ndi malipiro apamwamba a $150,000.
Mtengo wokwanira wogula nyumbayo ndi $700,000.
Ndalama zonse zapakhomo siziyenera kupitirira 80% ya ndalama zapakatikati za Los Angeles.

San Diego 17% Thandizo Lolipirira Pansi

Dongosolo la thandizo la County ya San Diego limapereka chithandizo chotsikirapo mpaka 17 peresenti ya mtengo woyengedwa wanyumba kapena mtengo wogulira, zilizonse zotsika.

Chiwongola dzanja pa gawo lothandizira ndi 3% ndipo nthawi yake ndi zaka 30.Palibe kubweza komwe kumafunikira kwa zaka 30.Kubweza kumangofunika pamene katundu wagulitsidwa, kusamutsidwa, kubwereka kapena ngongoleyo ikakhwima.
Malipiro ochepera a wobwereka, kupatula gawo lothandizira, ndi 3%;ndalama zonse zomwe zili pansi sizingadutse 25% ya mtengo wanyumba.
Ndalama zonse zapakhomo siziyenera kupitirira 120% ya ndalama zapakatikati za San Diego:

Ndemanga: Nkhaniyi idasinthidwa ndi AAA LENDINGS;zina mwazithunzi zidatengedwa pa intaneti, pomwe malowa sakuyimiridwa ndipo sangasindikizidwenso popanda chilolezo.Pali zoopsa pamsika ndipo ndalama ziyenera kukhala zosamala.Nkhaniyi sikupanga upangiri wandalama zaumwini, komanso sikuganizira zolinga zazachuma, zachuma kapena zosowa za ogwiritsa ntchito.Ogwiritsa ntchito akuyenera kuganizira ngati malingaliro, malingaliro kapena malingaliro omwe ali pano ali ogwirizana ndi momwe alili.Invest molingana ndi chiopsezo chanu.