12/04/2023

Pambuyo powunikira chidwi cha pulogalamu ya HOP 0%.Thandizo la Malipiro Ochepa (DPA)ku LA County, ndife okondwa kuyambitsa pulogalamu ya Empower Homebuyers SCC, yopereka maubwino ofanana ku Santa Clara County.

Empower Homebuyers SCC: Kuposa Ngongole Yokha

Pachimake chake, Empower Homebuyers SCC Programme ndiyoposa ngongole; ndikudzipereka kulimbikitsa kukula kwa anthu komanso kupangitsa mabanja kubzala mizu m'malo otukuka a County Santa Clara. Nazi zofunika pa pulogalamu:

1) Ndalama zothandizira: Pulogalamuyi ipereka ndalama zambiri zangongole zokwana $250,000, mpaka 30% yamtengo wogula. Thandizo lazachuma limeneli likhoza kusintha kwambiri paulendo wanu wogula nyumba, makamaka popanda mtengo wogula. Kumwamba ndi malire anu mu malo otukuka a malo a Santa Clara County.

2) Zofunikira zoyambira: Ngongole yanu yanyumba yobwereketsa iyenera kukhala zaka 30 zokhazikika. Pulogalamuyi imabweretsa kulosera komanso kukhazikika pamakonzedwe anu azachuma. Kuoneratu zam'tsogoloku kumatsimikizira kuti ulendo wanu wopita ku eni nyumba ndi wotetezeka monga momwe mumafunira.

3) Chiyamiko Chogawana: Mukamagwiritsa ntchito pulogalamu ya Empower Homebuyers SCC, kubweza kwanu kumalumikizidwa ndi ndalama zomwe mwapeza kunyumba kwanu molingana, zomwe zimagwirizana mwachindunji ndi kuchuluka kwa ngongole yanu. Mwachitsanzo, ngati ngongole yanu ya Empower ikupanga 20% yamtengo wogulira nyumba yanu, gawo lanu la chiyamikiro lidzakhalanso 20%. Kukula kotsalako kumakhalabe kwanu kotheratu. Tiyeni tidutse izi ndi zochitika zothandiza: Tiyerekeze kuti mwagula nyumba ndi $700,000, kugwiritsa ntchito pulogalamu ya Empower kuphimba 20% ya ndalamazi, zomwe ndi $140,000. Pambuyo pake, ngati mugulitsa nyumbayi ndi $800,000, kubweza kwanu kungaphatikizepo ndalama zongongole zoyamba za $140,000 kuphatikiza 20% ya mtengo wowonjezereka wa nyumbayo, womwe pano ndi $20,000 (20% ya $100,000 kuyamikira). Chifukwa chake, ndalama zonse zomwe zingabwezedwe zitha kukhala $160,000.
Kuyamikira uku kumaperekedwa kwa zaka khumi zoyambirira, kuwonetsetsa kuti zaka zoyambirira za eni nyumba zimakhala bwino pazachuma. Pambuyo pa zaka khumi, chiwongoladzanja choyamikira chimakwezedwa, kupatsa eni nyumba kusinthasintha.

Kuyenerera Empower Homebuyers SCC - Kuphweka pa Bwino Kwambiri

1) Kuyenerera: Tsegulani kwa omwe akukhala kapena kugwira ntchito ku Santa Clara County ndi ogula koyamba akugula nyumba yoyambira m'chigawocho.

2) Malipiro Ochepa Ochepa: Yambitsani ulendo wanu wokhala ndi nyumba ndi malipiro ochepa a 3%.

3) Zofunikira pa Maphunziro: Kalasi yovomerezeka ya HUD ya maola 8 ya Homebuyer Education kuchokera ku bungwe lodziwika bwino lolemba zida ndi chidziwitso chofunikira, kuwonetsetsa kuti si eni nyumba okha komanso ophunzira bwino.

4) Malire a Zopeza: Ndalama zonse zapakhomo, poganizira anthu onse akuluakulu, ziyenera kukhala pansi pa 120% ya Area Median Income. Izi zikuwonetsetsa kuti pulogalamuyi ikhalebe yofikirika kwa anthu ambiri.
*Malire Ochulukira Pazachuma Pabanja Potengera Kukula kwa Pabanja

Kukula Kwapakhomo	1	2	3	4	5	6	7	8
Malire a Ndalama	$152,300	$174,050	$195,800	$217,550	$234,950	$252,350	$269,750	$287,150

 

Njira Yanu Yokhalira Eni Nyumba ku Santa Clara County
The Empower Homebuyers SCC Programme si njira yokhayo yokhala ndi nyumba; ndikudzipereka kukulitsa maloto ndikumanga madera okhazikika. Ndi mwayi wapadera kwa akatswiri achichepere, mabanja omwe akukula, komanso aliyense amene akufuna kukhala nawo m'tsogolomu la Santa Clara County. Ndi kuphatikiza kwake kwa ngongole zopanda chiwongola dzanja, thandizo lazachuma, komanso njira yoyang'ana anthu, pulogalamuyi ili ngati umboni wa kudzipereka kwa County ya Santa Clara ku moyo wabwino ndi chitukuko cha anthu okhalamo.

Tengani Leap ndi Empower Homebuyers SCC
Landirani mwayi wapaderawu kuti muteteze tsogolo lanu mu umodzi mwa zigawo zamphamvu kwambiri ku California. Ndi Empower Homebuyers SCC, yambani ulendo wodzaza ndi malonjezo komanso kuthekera. Nyumba yamaloto anu ku Santa Clara County sizongotheka - ndi momwe mungathere. Tiyeni tisandutse maloto anu okhala ndi nyumba kukhala zenizeni zamoyo, zopambana. Takulandilani kunyumba yanu yatsopano ku Santa Clara County!

Kanema:Homebuyers SCC Program-Sinthani Maloto Anu Kukhala Owona ku Santa Clara County

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 zomaliza zomwe zili pano zili zogwirizana ndi momwe alili. Invest molingana ndi chiopsezo chanu.