12/04/2023

Emva kokuqaqambisa inzala yenkqubo ye-HOP eyi-0%.Uncedo lweNtlawulo ePhantsi (DPA)e LA County, siyavuya ukwazisa inkqubo Empower Homebuyers SCC, enika iinzuzo ezifanayo Santa Clara County.

Xhobisa abaThengi basekhaya kwi-SCC: Ngaphezu kweMali-mboleko nje

Embindini wayo, iNkqubo ye-Empower Homebuyers SCC ingaphezulu kunemali-mboleko; kukuzibophelela ekukhuthazeni ukukhula koluntu nokwenza ukuba iintsapho zityale iingcambu kwindawo echumileyo yaseSanta Clara County. Nazi iimfuno zenkqubo:

I-1) Isixa soncedo: Inkqubo iya kubonelela ngexabiso lemali-mboleko ephezulu ye-250,000 yeedola, ukuya kuthi ga kwi-30% yexabiso lokuthenga. Olu xhaso luninzi lwezemali lunokutshintsha umdlalo kuhambo lwakho lokuthenga ikhaya, ngakumbi ngaphandle kokuvalwa kwexabiso lokuthenga. Isibhakabhaka ngumda wakho kumhlaba ochumayo wezindlu zaseSanta Clara County.

I-2) Iimfuno zokuqala zekhonkco: Imali mboleko yakho ye-mortgage ephezulu kufuneka ibe yi-30 yeminyaka esisigxina. Le nkqubo izisa uqikelelo kunye nozinzo kucwangciso lwakho lwezemali. Oku kuqonda kwangaphambili kuqinisekisa ukuba uhambo lwakho olusingise kumninimzi lukhuselekile njengoko lunamabhongo.

3) Uxabiso olwabiweyo: Xa usebenzisa inkqubo ye-Empower Homebuyers SCC, intlawulo yakho idityaniswa ne-equity ezuzwe kwikhaya lakho ngendlela elungeleleneyo, engqamana ngqo nepesenti yemali mboleko yakho. Umzekelo, ukuba i-Empower loan yakho ibalelwa kwi-20% yexabiso lokuqala lendlu yakho oyithengileyo, isabelo sakho soxabiso siya kuba ngama-20%. Ukukhula kwezabelo zamashishini ezingenanzala emisiweyo kuhlala kokwenu ngokupheleleyo. Masiyicazulule le nto ngemeko ebonakalayo: Masithi uthenge ikhaya nge-700,000 yeedola, usebenzisa inkqubo yokuXhobisa ukugubungela i-20% yale mali, eyi-$140,000. Kamva, ukuba uthengisa eli khaya nge-800,000 yeedola, intlawulo yakho iya kubandakanya isixa-mali semali-mboleko yokuqala ye-140,000 yeedola kunye ne-20% yexabiso elonyusiweyo lekhaya, apho kulo mzekelo i-$ 20,000 (i-20% ye-100,000 yexabiso le-$ 100,000). Ngoko ke, imali ehlawulwayo iyonke iya kuba yi-160,000 yeedola.
Olu xabiso lugcinwe kwishumi leminyaka yokuqala, ukuqinisekisa ukuba iminyaka yobunini-zindlu bokuqala ikhululekile ngokwezemali. Emva kwamanqaku eminyaka elishumi, umnqwazi woxabiso uyaphakanyiswa, nto leyo enika abaninimzi ukuba babe bhetyebhetye.

Ukulungela ukuXhobisa abathengi basekhaya i-SCC-Ukulula ngokugqwesileyo kwayo

1) Ukufaneleka: Ivulekele abo bahlala okanye basebenza kwiNqila yaseSanta Clara kunye nabathengi bokuqala abathenga indawo yokuhlala ephambili ngaphakathi kwidolophu.

2) Ubuncinci beNtlawulo ePhantsi: Qala uhambo lwakho lobuninikhaya ngentlawulo nje eyi-3%.

3)IiMfuno zeMfundo: Iklasi ye-HUD eqinisekisiweyo yeeyure ezisi-8 kwi-Homebuyer Education evela kwi-arhente ekhethiweyo yabafaki-zicelo beengalo ngolwazi oluyimfuneko, eqinisekisa ukuba abaninimzi nje kuphela kodwa nabo bafundiswe kakuhle.

4) Imida yoMvuzo: Ingeniso yekhaya xa idityanisiwe, kuthathelwa ingqalelo onke amalungu amadala, kufuneka ihlale ingaphantsi kwe-120% yoMvuzo woMmandla woMmandla. Oku kuqinisekisa ukuba inkqubo ihlala ifikeleleka kuluntu ngokubanzi.
*Uwona Mda woMvuzo weKhaya uGqibele ngoBubungakanani beKhaya

Ubungakanani boMzi	1	2	3	4	5	6	7	8
Umda woMvuzo	$152,300	$174,050	$195,800	$217,550	$234,950	$252,350	$269,750	$287,150

 

Indlela yakho yobunini bezindlu eSanta Clara County
Inkqubo ye-Empower Homebuyers SCC ayiyondlela nje yokuba nekhaya; kukuzibophelela ekukhuliseni amaphupha nokwakha uluntu oludlamkileyo. Lithuba elahlukileyo kwiingcali eziselula, iintsapho ezikhulayo, kunye nabani na onqwenela ukuba yinxalenye yekamva eliguquguqukayo leSanta Clara County. Ngokudityaniswa kwemali-mboleko engenanzala, uncedo olukhulu lwemali, kunye nendlela egxile kuluntu, le nkqubo ime njengobungqina bokuzinikela kweSanta Clara County kwintlalontle kunye nempumelelo yabahlali.

Thatha i-Leap nge-Empower Homebuyers SCC
Yamkela eli thuba likhethekileyo lokukhusela ikamva lakho kwelinye lawona mazwe anamandla aseCalifornia. Nge-Empower Homebuyers SCC, qalisa uhambo oluzaliswe zizithembiso kunye namandla. Ikhaya lamaphupha akho eSanta Clara County ayisiyonto nje enokwenzeka - ingaphakathi kuwe. Masijike amaphupha akho obuninimzi abe yinyani ephilayo, ekhulayo. Wamkelekile kwikhaya lakho elitsha eSanta Clara County!

Ividiyo:Inkqubo ye-SCC yabathengi basekhaya-Guqulela iphupha lakho libe yinyani kwiSanta Clara County

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.