Mabhenefiti Epamusoro eHurumende Kubhadhara Rubatsiro muLA

Kufamba mumusika wedzimba weLos Angeles kunogona kutyisa, asi zvirongwa zveHurumende Down Payment Assistance seHOP80 neHOP120 zvinopa nzira yekurarama kune vanotenga mari yepasi kusvika-yepakati. Yakagadzirirwa mugari wekutangaIZVImumaguta asina kubatanidzwa eLA County kana HOP-anotora chikamu, idzi sarudzo dzekubatsira mari dzinopa mari inosvika madhora zviuru zana kana makumi masere neshanu emadhora-yakavharwa pa20% yemutengo wekutenga-kuvhara mubhadharo nekuvhara mari. Heano mabhenefiti epamusoro anoita kuti mapurogiramu emari akaderera-kusvika-ane mwero anofanirwa-kuziva kune vanoda varidzi vedzimba.

1. Rubatsiro Runobva PamariyeTargeted Support
   Government Down Payment Assistance yakagadzirwa nemiganhu yemari mupfungwa: HOP80 caps kukodzera pa80% yemari yeLa County yepakati, nepo HOP120 ichikwira kusvika 120%, inogadziriswa nehukuru hwemhuri. Izvi zvinoita kuti zvirongwa zvekuwana mari yakaderera kusvika pakati nepakati zvisvike kune vanoada zvakanyanya. Kumhuri yevana, HOP120's 2025 muganho wemari inotenderera inosvika zviuru zana nemakumi matatu emadhora, maererano nefungidziro yeLACDA, zvichiita kuti iwanikwe kune yakakura yedzimba dzinoshanda.
2. Kuvhara Mutengo Wekubatsira Kurerutsa Mutoro
   Kunze kwekubhadhara pasi, mapurogiramu aya anovhara mari yekuvhara, iyo inogona kubva pa 2-5% yemutengo wekutenga- $ 14,000 kusvika ku $ 35,000 pa $ 700,000 imba, maererano neZillow data. Hurumende Down Payment Assistance inopindira ne 0% mubereko, zvikwereti zvekubhadhara zvakamisikidzwa, zvinobhadharwa chete pakutengesa kana kutamiswa. Iyi yekuvhara mutengo wekubatsira inoderedza mari yepamberi, ichirega vatengi vakaita seavo vari mumaguta anotora chikamu muHOP kuti vatarise kugadzirisa.
3. Zvirongwa zvakaderera-kusvika-zvine mwero zvemuhoro zvine Flexible Terms
   HOP80 neHOP120 mbiri neFHA, VA, kana zvikwereti zvakajairwa zvakatemwa-mwero uye mitengo yekutenga kepisi pamadhora mazana manomwe nemakumi masere nemakumi masere neshanu, zvichiteerana. Iyo yakagovaniswa yekutenda chimiro-kubhadhara chikwereti pamwe nekuwedzera kukosha share-inopera mushure memakore mashanu (HOP80) kana 15 makore (HOP120), ichipa kushanduka kwenguva refu. Chirevo cha2024 Redfin chinoti LA County mutengo wepamba wepakati wakarova $820,000, ichisimbisa kuti zvirongwa izvi zvinochengeta sei huridzi huchisvika.

Zvimwe zvekuwedzera zvinosanganisira semina yedzidzo yakabvumidzwa yemaawa masere yeHUD, kuve nechokwadi chekuti vatengi vaziviswa, uye mupiro wemukwereti we1%, kukurudzira kudyara pasina mari yakawandisa. Rubatsiro rweHurumende Pasi Kubhadhara haisi mari chete - inzira yakarongeka yekudzikama kune vanowana mari shoma-kusvika-yepakati muLA County.