Uncedo lweNtlawulo lukaRhulumente yokuQala kubathengi basekhaya abaQala kwi-LA County

Ukuthenga ikhaya eLos Angeles County kunokuziva ngathi ngumlo onyukayo, ngakumbi kubathengi bokuqala abajongana nexabiso lepropathi elikhulayo.EZIkunye neemfuno zentlawulo ezisezantsi. Ngethamsanqa, iinkqubo zoNcedo lweNtlawulo yeNtlawulo zikaRhulumente, ezinje nge-HOP80 kunye ne-HOP120 ezibonelelwa ngeLos Angeles County Development Authority (LACDA), zibonelela ngomda wokuphila. La manyathelo enzelwe ngokukodwa abathengi bezindlu bokuqala kwiindawo ezingabandakanyiyo ze-LA County okanye izixeko ezithatha inxaxheba kwi-HOP, ezinikezela ukuya kwi-$ 100,000 okanye i-$ 85,000 ngokulandelanayo-efakwe kwi-20% yexabiso lokuthenga-ukunceda ukugubungela iintlawulo kunye neendleko zokuvala. Ngeempawu ezifana neenketho zentlawulo ezisezantsi kunye nemali-mboleko enenzala ephantsi, ezi nkqubo ziguqula amaphupha obunini bezindlu abe yinyani.

Kubathengi abaqalayo ukuthenga izindlu, isibheno soNcedo lweNtlawulo lukaRhulumente lusekufikelelekeni kwalo. Thatha inkqubo ye-HOP80, umzekelo: ijolise kumakhaya angafumani ngaphezulu kwe-80% yengeniso yelizwe eliphakathi, ngelixa i-HOP120 idlulisela ukufaneleka kwabo bafumana ukuya kwi-120%. Zombini ezi nkqubo zivumela abathengi ukuba bakhusele iipropati—izindlu zosapho olunye, iicondos, okanye izindlu zasedolophini—ezinexabiso eliphezulu lokuthenga lee-$700,000 (HOP80) okanye ii-$850,000 (HOP120). Ngaphezu koko, ezi mboleko ziza ne-0% yenzala kunye neentlawulo ezirhoxisiweyo, okuthetha ukuba akukho mthwalo wenyanga. Imbuyekezo iqalwa kuphela xa ikhaya lithengisiwe, ligqithiselwa, okanye lingasahlali mntu, nto leyo eyenza ukuba ibeyimali-mboleko enenzala ephantsi ebeka phambili ukufikeleleka.

Inqaku lentlawulo yero phantsi ngumdlalo-wokutshintsha. Ngelixa abafaki-zicelo kufuneka babe negalelo ubuncinane kwi-1% yentlawulo ephantsi evela kwiimali zabo, i-Government Down Payment Assistance igubungela isambuku, isusa imfuneko yokonga amashumi amawaka ngaphambili. Ngokomzekelo, i-$ 700,000 yekhaya phantsi kwe-HOP80 inokubona ukuya kuthi ga kwi-100,000 yeedola, ishiya umthengi ukuba anikele nje i-$ 7,000-umahluko ocacileyo kwi-20% yentlawulo ephantsi ye-$ 140,000. Oku kuhambelana neendlela zelizwe: ngokutsho koMbutho weSizwe weeRealtors, i-54% yabaqalayo ukuthenga izindlu ngo-2023 bachaza ukonga intlawulo ephantsi njengowona mqobo wabo mkhulu. Iinkqubo ezifana nezi bhulorho ukuba umsantsa ngempumelelo.

Ngaphandle koncedo lwemali, uNcedo lukaRhulumente lweNtlawulo yeNtlawulo lubandakanya ukhuseleko olwakhelwe ngaphakathi kunyeinkuthazos. Inguqulelo ye-HOP80-2025, umzekelo, ibonakalisa uxabiso olwabiweyo-ukubuyisela imali-mboleko kunye nenxalenye yokunyuka kwexabiso lekhaya-kodwa le mfuneko iyanyamalala ukuba uhlala ekhaya iminyaka emihlanu. I-HOP120-2025 yandisa eli xesha ukuya kwiminyaka eyi-15, inika ukuguquguquka okukhulu ngakumbi. Le migaqo iqinisekisa ukuba abantu abaqalayo ukuthenga amakhaya banokwakha i-equity ngaphandle koxinzelelo olukhawulezileyo, ngelixa bexhamla kwiimali-mboleko ezinenzala ephantsi ezigcina iindleko zilawuleka.

Ukufaneleka kuthe ngqo kodwa kuthe ngqo. Abafake izicelo kufuneka babe ngabemi base-US okanye abahlali abasisigxina, bagqibe i-HUD yeeyure ezisibhozo ezivunyiweyo zesemina yemfundo yomthengi wasekhaya, kwaye bathenge indawo yokuhlala ephambili kwi-LA County. Iipropati ezihlala abantu abaqeshileyo azifaneleki ngaphandle kokuba sisivumelwano somthengi oqeshiweyo, oqinisekisa ukuba ugqaliselo luhlala luhlala kumnini-ndawo. NgoNcedo lokuHwulwa kweNtlawulo lukaRhulumente, indlela eya kubunini-zindlu iya iyancipha, inika umdibaniso wokhetho lwentlawulo eyi-zero, imali-mboleko enenzala ephantsi, kunye nenkxaso elungiselelwe abo baqalayo ukuthenga izindlu kwenye yeemakethi zezindlu zaseMelika ezixabisa kakhulu.