Hurumende Yekubhadhara Kubhadhara Rubatsiro kune Chekutanga-Nguva Vanotenga Kumba muLA County

Kutenga imba muLos Angeles County kunogona kunzwa senge kurwa kwekukwira, kunyanya kune vekutanga vanotenga dzimba vakatarisana nekukwira kwemitengo.IZVIuye kuderera kwekubhadhara zvinodiwa. Neraki, zvirongwa zveHurumende Down Payment Assistance, zvakaita seHOP80 neHOP120 zvinopihwa kuburikidza neLos Angeles County Development Authority (LACDA), zvinopa nzira yehupenyu. Zvirongwa izvi zvakagadzirirwa zvakanangana nevanotenga dzimba kekutanga munzvimbo dzisina kubatanidzwa dzeLA County kana HOP-maguta anotora chikamu, achipa kusvika kumadhora zana kana makumi masere neshanu emadhora zvichiteerana - akavharwa pamakumi maviri muzana emutengo wekutenga - kubatsira kubhadhara mubhadharo uye kuvhara mitengo. Nezvimiro zvakaita sezero pasi pekubhadhara sarudzo uye zvikwereti zvakaderera-mubereko, zvirongwa izvi zviri kushandura zviroto zvevaridzi vemba kuita chokwadi.

Kune vanotenga dzimba kekutanga, kukwidzwa kweHurumende Down Payment Assistance kuri mukuwanikwa kwayo. Tora chirongwa cheHOP80, semuenzaniso: chakanangana nedzimba dzisingapfuure makumi masere muzana emuhoro wedunhu, nepo HOP120 ichiwedzera kukodzera kune avo vanowana kusvika zana nemakumi maviri muzana. Zvirongwa zvese zviri zviviri zvinobvumira vatengi kuchengetedza zvivakwa — dzimba dzemhuri imwe chete, macondos, kana dzimba dzetaundi — nemutengo wepamusoro wekutenga wemadhora mazana manomwe ezviuru (HOP80) kana $850,000 (HOP120). Zvakare, zvikwereti izvi zvinouya ne 0% mubereko uye mubhadharo wakamisikidzwa, zvichireva kuti hapana mutoro wepamwedzi. Kubhadhara kunotangwa chete kana imba yatengeswa, kutamiswa, kana kuti isisipo muridzi-inogara, zvichiita kuti ive yechikwereti chakaderera chechikwereti chinoisa pamberi pekugona.

Iyo zero pasi yekubhadhara ficha ndeye mutambo-kuchinja. Nepo vanyoreri vachifanira kupa ingangoita 1% yekubhadhara kubva kumari yavo, Hurumende Down Payment Assistance inovhara iyo yakawanda, ichibvisa kukosha kwekuchengetedza makumi ezviuru pamberi. Semuenzaniso, imba ye $700,000 iri pasi peHOP80 yaigona kuona kusvika ku $100,000 yakavharwa, ichisiya mutengi kuti ape $7,000 chete-musiyano wakakura kune wekare 20% mubhadharo wepasi we $140,000. Izvi zvinoenderana nemaitiro enyika: sekureva kweNational Association of Realtors, 54% yevakatanga kutenga dzimba muna 2023 vakaratidza mari yekubhadhara pasi sechipingaidzo chavo chikuru. Zvirongwa zvakaita sezambuko izvi zvinopatsanura zvinobudirira.

Kupfuura rubatsiro rwemari, Hurumende Down Payment Assistance inosanganisira yakavakirwa-mukati dziviriro uyeincentives. Iyo HOP80-2025 vhezheni, semuenzaniso, inoratidzira kuonga kwakagovana-kubhadhara chikwereti pamwe nechikamu chekuwedzera kukosha kwemba-asi chinodiwa ichi chinopera kana ukagara mumba kwemakore mashanu. HOP120-2025 inowedzera nguva iyi kusvika kumakore gumi nemashanu, ichipa kushanduka kukuru. Aya mazwi anovimbisa vekutanga vanotenga imba vanogona kuvaka equity pasina kumanikidzwa nekukurumidza, zvese izvi vachibatsirwa kubva kune zvikwereti zvine mubereko wakaderera izvo zvinoita kuti mutengo udzoke.

Kukodzera kwakatwasuka asi kwakananga. Vanyoreri vanofanirwa kunge vari vagari vemuUS kana vagari zvachose, vanopedza maawa masere HUD-yakatenderwa dzidzo yekutenga imba, uye kutenga pekugara pekutanga muLA County. Zvivakwa zvinogara muroja hazvikodzeri kunze kwekunge iri dhiri rekutenga-roja, kuve nechokwadi chekuti tarisiro inoramba iri pakugara-muridzi. NeHurumende Yekubhadhara Kubhadhara Rubatsiro, nzira yekuva muridzi wemba inoita shoma, ichipa musanganiswa we zero pasi sarudzo dzekubhadhara, zvikwereti zvine mubereko wakaderera, uye rutsigiro rwakarongedzerwa kune vanotanga kutenga dzimba mune imwe yemisika yemitengo yeAmerica yedzimba.