Ubwino Wapamwamba Wothandizira Boma Lolipira Pansi Pansi ku LA

Kuyenda pamsika wa nyumba ku Los Angeles kungakhale kowopsa, koma mapulogalamu a Boma Lopereka Malipiro a Boma monga HOP80 ndi HOP120 amapereka njira kwa ogula omwe amapeza ndalama zochepa. Zopangidwira wokhalamo woyambaIZIm'mizinda yosaphatikizidwa ya LA County kapena HOP, njira zothandizira zopezera ndalamazi zimapereka mpaka $100,000 kapena $85,000-yokwana 20% ya mtengo wogula-kuti apeze ndalama zolipirira ndi kutseka. Nawa maubwino apamwamba omwe amapangitsa kuti mapologalamu otsika mpaka otsika awa akhale odziwa kwa omwe akufuna kukhala ndi nyumba.

1. Thandizo Lotengera Ndalamakwa Thandizo Lolinga
   Government Down Payment Assistance idapangidwa moganizira malire a ndalama: HOP80 imakwanira 80% ya ndalama zapakatikati za LA County, pomwe HOP120 imafikira 120%, yosinthidwa ndi kukula kwa banja. Izi zimawonetsetsa kuti mapulogalamu omwe amapeza ndalama zochepa mpaka otsika amafikira omwe amawafuna kwambiri. Kwa banja la ana anayi, malire a HOP120's 2025 amakwera pafupifupi $130,000, malinga ndi kuyerekezera kwa LACDA, zomwe zimapangitsa kuti anthu ambiri ogwira ntchito azipezeke.
2. Kutsekera Thandizo la Mtengo Kuti Muchepetse Mtolo
   Kupitilira malipiro ochepera, mapulogalamuwa amalipira ndalama zotsekera, zomwe zimatha kuyambira 2-5% yamtengo wogula-$ 14,000 mpaka $ 35,000 panyumba ya $ 700,000, malinga ndi data ya Zillow. Boma la Down Payment Assistance limalowa ndi chiwongola dzanja cha 0%, ngongole zobwezeredwa, zomwe zimabwezedwa pogulitsa kapena kusamutsa. Thandizo lotsekerali limachepetsa ndalama zogulira zam'tsogolo, kulola ogula ngati omwe ali m'mizinda yomwe ikuchita nawo HOP kuyang'ana pakukhazikika.
3. Mapulogalamu Opeza Pang'onopang'ono Omwe Ali ndi Migwirizano Yosinthika
   HOP80 ndi HOP120 zimagwirizana ndi FHA, VA, kapena ngongole zanthawi zonse zokhazikika komanso mitengo yogulira kapu pa $700,000 ndi $850,000 motsatana. Chiwongola dzanja chogawana - kubweza ngongoleyo kuphatikiza gawo lowonjezera mtengo - chimatha pakatha zaka zisanu (HOP80) kapena zaka 15 (HOP120), zomwe zimapereka kusinthasintha kwanthawi yayitali. Lipoti la 2024 Redfin likuti mtengo wakunyumba waku LA County wagunda $820,000, kutsimikizira momwe mapulogalamuwa amasungira umwini kuti ufikire.

Zowonjezerapo zimaphatikizanso semina yamaphunziro yovomerezeka ya HUD ya maola asanu ndi atatu, kuwonetsetsa kuti ogula akudziwitsidwa, komanso kupereka ndalama zobwereka zochepera 1%, kulimbikitsa ndalama popanda kusunga ndalama zambiri. Thandizo la Boma Pansi Pamalipiro si ndalama chabe, ndi njira yokhazikika yokhazikika kwa ogula omwe amapeza ndalama zochepa ku LA County.