09/28/2023

Idatha yakutshanje evela kwiNational Association of Realtors (NAR) ibonisa ukuba abathengi bezindlu bokuqala babala i-28% yeentengiso zasekhaya zase-US kwisiqingatha sokuqala salo nyaka, ukusuka kwi-27% ngexesha elifanayo kunyaka odlulileyo.Ukusukela ngo-2021 ukuya ku-2022, ixesha eliphakathi labantu abaqalayo ukuthenga izindlu liya kunyuka ukusuka ku-33 ukuya kuma-36. Owona mqobo mkhulu abajongana nawo abathengi basekhaya bokuqala kukuba bangayifumana phi intlawulo ephantsi yendlu yabo yokuqala.Urhulumente waseCarlifonia kudala enikezela ngeenkqubo zoncedo lwentlawulo kubantu abaqalayo ukuthenga izindlu.Apha, siqulunqe uluhlu lweUncedo lweNtlawulo lukaRhulumenteiinkqubo ezinikezelwa ngamabala eCalifornia.Mhlawumbi kukho enye yakho!Makhe sibone ukuba yeyiphi oyifunayo!

Santa Clara County $250,000 phantsi Uncedo lwentlawulo

Ukuxhobisa abakwaHomebuyers yinkqubo yemali mboleko yoncedo lwentlawulo ephantsi yaseSanta Clara kubantu abaqalayo ukuthenga izindlu.Le nkqubo ibonelela ngoncedo ukuya kuthi ga kwi-250,000 yeedola (ungadluli kwi-30% yexabiso lokuthenga)!
0% inzala kwisabelo soncedo kwaye akukho ntlawulo yenyanga!Kufuneka ihlawulwe kuphela xa imali-mboleko ivuthiwe, ipropati ithengisiwe, okanye uhlawulelwa ngokutsha.Kuya kufuneka uhlawule isixa soncedo kunye nenye yokonyuka kwexabiso lekhaya lakho.
Yabelana ngoxabiso: Xa uthengisa ikhaya lakho, kufuneka wabelane ngenxalenye yoxabiso kunye neSanta Clara County.Kukho i-cap ngexesha leminyaka elishumi yokuqala yexesha lemali-mboleko kwaye akukho cap emva kweminyaka elishumi.Ulwabiwo lokuxabisa luxhomekeke kumlinganiselo wesixa soncedo kwixabiso lokuthenga ikhaya.
*Ukucinga ukuba umntu obolekayo uthenga ikhaya ngeedola ezingama-600,000 kwaye asebenzise i-20% (i-120,000 yeedola) uncedo lokuhlawula phantsi, ukuba indlu ithengisa i-800,000 yeedola, umboleki uya kubatyala i-$120,000 (imali-mboleko yokuqala) kunye ne-$40,000 (okt 20% ye-00200 ye-appreciation) , Iyonke i-$160,000.

Ubuncinci bentlawulo ephantsi kubaboleki yi-3%
Akukho mda wexabiso uphezulu
Iyonke ingeniso yonyaka yekhaya mayingagqithi kwi-120% yomvuzo ophakathi waseSanta Clara County.

Los Angeles $85,000 phantsi Uncedo lwentlawulo

I-Los Angeles County Development Authority (LACDA) isungula inkqubo yeNKQUBO YOBUNINI BASEKHAYA, ebonelela ngoncedo lwentlawulo ephantsi ukuya kuthi ga kwi-85,000 yeedola okanye i-20% yexabiso lasekhaya (nantoni na ephantsi), i-0% inzala, kwaye akukho ntlawulo yenyanga!
Kufuneka uhlawule kuphela isabelo soncedo xa ikhaya lithengisiwe okanye xa ubunini bepropati buguquka.Ukuba indlu ithengiswa kwisithuba seminyaka emi-5, i-20% yokunyuka kwexabiso lendlu kufuneka ibuyiselwe kwi-LACDA;ukuba indlu ithengiswa emva kweminyaka emi-5, yimali yoncedo kuphela ebuyiselwayo.
Abafaki-zicelo kufuneka benze intlawulo ephantsi ubuncinane ye-1% (ngaphandle kweentlawulo) kunye nentlawulo ephezulu ye-$ 150,000.
Ixabiso eliphezulu lokuthenga indlu yi-700,000 yeedola.
Iyonke ingeniso yekhaya akufuneki idlule kwi-80% yomvuzo ophakathi waseLos Angeles.

San Diego 17% Down Payment Uncedo

Inkqubo yoncedo yeNqila yaseSan Diego ibonelela ngoncedo lwentlawulo ephantsi ukuya kuthi ga kwi-17 leepesenti yexabiso lekhaya elixatyisiweyo okanye ixabiso lokuthenga, nokuba yeyiphi ephantsi.

Inzala kwisabelo soncedo yi-3% kwaye ixesha liyiminyaka engama-30.Akukho ntlawulo ifunekayo iminyaka engama-30.Intlawulo ifuneka kuphela xa ipropati ithengisiwe, itshintshelwa, irentiswa okanye imali-mboleko ivuthiwe.
Ubuncinci bentlawulo ephantsi yomboleki, ngaphandle kwecandelo loncedo, yi-3%;iyonke intlawulo ephantsi ayinakudlula i-25% yexabiso lekhaya.
Iyonke ingeniso yekhaya akufuneki idlule kwi-120% yomvuzo ophakathi waseSan Diego:

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.