Thandizo Lolipiridwa ndi Boma kwa Ogula Nyumba Yoyamba Kwambiri ku LA County

Kugula nyumba ku Los Angeles County kumatha kumva ngati nkhondo yokwera, makamaka kwa ogula nyumba koyamba omwe akukumana ndi kukwera mtengo kwanyumba.IZIndi zotsika mtengo zolipira. Mwamwayi, mapulogalamu a Government Down Payment Assistance, monga HOP80 ndi HOP120 operekedwa kudzera ku Los Angeles County Development Authority (LACDA), amapereka njira yopulumutsira. Zoyesererazi zapangidwa makamaka kwa omwe amagula nyumba koyamba m'malo osaphatikizidwa a La County kapena mizinda yomwe ikugwira nawo ntchito ku HOP, zomwe zimapereka mpaka $100,000 kapena $85,000 motsatana-zokwana 20% yamtengo wogulira-kuti zithandizire kulipirira zolipirira ndi kutseka ndalama. Ndi zinthu monga njira zolipirira ziro ndi ngongole zachiwongola dzanja chochepa, mapulogalamuwa akusintha maloto a eni nyumba kukhala owona.

Kwa ogula nyumba koyamba, pempho la Government Down Payment Assistance lili pakupezeka kwake. Tengani pulogalamu ya HOP80, mwachitsanzo: imayang'ana mabanja omwe amalandira ndalama zosaposa 80% ya ndalama zapakatikati, pomwe HOP120 imakulitsa kuyenerera kwa omwe amapeza 120%. Mapulogalamu onsewa amalola ogula kuti ateteze katundu—nyumba za banja limodzi, kondomu, kapena nyumba zamatauni—ndi mtengo wogula wokwanira $700,000 (HOP80) kapena $850,000 (HOP120). Kuonjezera apo, ngongole izi zimabwera ndi chiwongoladzanja cha 0% ndi malipiro ochedwetsedwa, kutanthauza kuti palibe cholemetsa pamwezi. Kubweza kumangoyambika nyumbayo ikagulitsidwa, kusamutsidwa, kapena kusakhalanso ndi eni ake, zomwe zimapangitsa kuti ikhale njira yobwereketsa yachiwongola dzanja chochepa yomwe imayika patsogolo kukwanitsa.

Chiwongola dzanja cha zero ndikusintha masewera. Ngakhale olembetsa akuyenera kupereka ndalama zosachepera 1% kuchokera ku ndalama zawo, Thandizo la Boma Lolipirira Boma limaphimba zambiri, ndikuchotsa kufunikira kopulumutsa masauzande patsogolo. Mwachitsanzo, nyumba ya $ 700,000 pansi pa HOP80 ikhoza kuwona mpaka $ 100,000 yophimbidwa, kusiya wogula kuti apereke $ 7,000 yokha-chosiyana kwambiri ndi malipiro achikhalidwe a 20% a $ 140,000. Izi zikugwirizana ndi zomwe zikuchitika mdziko muno: malinga ndi National Association of Realtors, 54% ya omwe adagula nyumba koyamba mu 2023 adatchula kusungitsa ndalama ngati vuto lawo lalikulu. Mapulogalamu ngati awa mlatho kuti kusiyana bwino.

Kupitilira pa chithandizo chandalama, Thandizo la Boma Lopereka Malipiro limaphatikizanso chitetezo chokhazikika ndicholimbikitsas. Mwachitsanzo, mtundu wa HOP80-2025 umakhala ndi chiyamikiro chogawana—kubweza ngongoleyo kuphatikizanso gawo lina la mtengo wanyumbayo—koma chofunikirachi chimatha ngati mukhala m’nyumba kwa zaka zisanu. HOP120-2025 imakulitsa nthawiyi mpaka zaka 15, ndikupereka kusinthasintha kwakukulu. Mawuwa amatsimikizira kuti ogula nyumba koyamba atha kupanga ndalama popanda kukakamizidwa, kwinaku akupindula ndi ngongole za chiwongola dzanja chochepa zomwe zimapangitsa kuti ndalama zisamayende bwino.

Kuyenerera ndikosavuta koma kwachindunji. Olembera ayenera kukhala nzika zaku US kapena okhalamo okhazikika, kumaliza maphunziro a maola asanu ndi atatu ovomerezeka a HUD, ndikugula nyumba yoyamba ku LA County. Malo okhala ndi obwereketsa saloledwa pokhapokha ngati agulidwa ndi ogula, kuwonetsetsa kuti kuyang'ana kumakhalabe pa eni ake. Ndi Thandizo Lolipiridwa ndi Boma, njira yopezera eni nyumba imakhala yovuta kwambiri, ikupereka njira zophatikizira zolipirira ziro, ngongole zachiwongola dzanja chochepa, komanso chithandizo chokhazikika kwa ogula nyumba koyamba mumsika wina wamtengo wapatali kwambiri ku America.