Nūhou ʻOihana
ʻO nā pōmaikaʻi kiʻekiʻe o ke kōkua ʻana i ke aupuni ma LA
ʻO ka hoʻokele ʻana i ka mākeke hale ʻo Los Angeles hiki ke hoʻoweliweli, akā hāʻawi nā polokalamu kōkua ʻo Government Down Payment Assistance e like me HOP80 a me HOP120 i kahi laina ola no nā mea kūʻai kālā haʻahaʻa. Hana ʻia no ka noho muaKEIAma ke Kalana ʻo LA a i ʻole nā kūlanakauhale i komo i ka HOP, hāʻawi kēia mau koho kōkua i loaʻa i ka $100,000 a i ʻole $85,000—i hoʻopaʻa ʻia ma 20% o ke kumukūʻai kūʻai—e uhi i nā uku a me nā koina pani. Eia nā pōmaikaʻi kiʻekiʻe e hoʻolilo i kēia mau papahana loaʻa haʻahaʻa haʻahaʻa i mea pono e ʻike no ka poʻe makemake home.
- Kokua ma muli o ka loaʻa kālāno ke kākoʻo i koho ʻia
Hoʻolālā ʻia ke Kokua Hoʻohaʻahaʻa o ke Aupuni me nā palena o ka loaʻa kālā: Hoʻopaʻa ʻia ʻo HOP80 ma ka 80% o ka loaʻa kālā waena o LA County, ʻoiai ʻo HOP120 e hoʻonui i 120%, hoʻoponopono ʻia e ka nui o ka ʻohana. Mālama kēia i nā papahana loaʻa haʻahaʻa a hiki i ka poʻe i makemake nui iā lākou. No ka ʻohana ʻehā, ʻo ka palena loaʻa kālā o HOP120 2025 e lele ana ma kahi o $130,000, no kēlā me kēia manaʻo LACDA, e hiki ai ke loaʻa i kahi ākea o nā hale hana. - Kokua Kumukuai pani no ka mama i ke kaumaha
Ma waho aʻe o nā uku hoʻohaʻahaʻa, ua uhi kēia mau papahana i nā kumukūʻai pani, hiki ke loaʻa mai ka 2-5% o ke kumukūʻai kūʻai - $ 14,000 a i $ 35,000 ma kahi home $ 700,000, e like me ka ʻike Zillow. Hoʻokomo ʻia ke Kokua Hoʻohaʻahaʻa o ke Aupuni me 0% ukupanee, nā hōʻaiʻē hoʻopanee ʻia, e uku ʻia ma ke kūʻai ʻana a i ʻole ka hoʻoili ʻana. ʻO kēia kōkua pani pani e hōʻemi i nā hoʻolimalima mua, e ʻae ana i nā mea kūʻai aku e like me ka poʻe ma nā kūlanakauhale e komo ana i ka HOP e nānā i ka noho ʻana. - Nā Papahana Loaʻa Haʻahaʻa me nā ʻōlelo maʻalahi
HOP80 a me HOP120 me ka FHA, VA, a i ʻole nā hōʻaiʻē paʻa paʻa a me nā kumukūʻai kūʻai pāpale ma $700,000 a me $850,000. ʻO ka hiʻohiʻona kaʻana like—ka uku ʻana i ka hōʻaiʻē a me ka mahele hoʻonui waiwai—e pau ana ma hope o ʻelima mau makahiki (HOP80) a i ʻole 15 makahiki (HOP120), e hāʻawi ana i ka maʻalahi no ka wā lōʻihi. Ua hōʻike ʻia kahi hōʻike Redfin 2024 i ke kumu kūʻai home waena o LA County i $820,000, e hōʻike ana i ke ʻano o ka mālama ʻana o kēia mau papahana i ka ʻona.
Loaʻa nā pōmaikaʻi hou i kahi seminar hoʻonaʻauao ʻewalu hola i ʻāpono ʻia e HUD, e hōʻoia ana i ka ʻike ʻia o nā mea kūʻai aku, a me ka haʻahaʻa haʻahaʻa o 1% o ka mea hōʻaiʻē, e hoʻoulu i ka hoʻopukapuka me ka ʻole o ka mālama kālā. ʻAʻole ʻo ke kākoʻo kālā haʻahaʻa o ke Aupuni - he ala i hoʻonohonoho ʻia i ke kūpaʻa no nā mea kūʻai kālā haʻahaʻa a haʻahaʻa ma LA County.