Uncedo lweNtlawulo ePhantsi lukaRhulumente iNceda njani i-LA Homebuyers

Dibana noMaria, umama ongatshatanga kunye nomqeshi wexesha elide eLos Angeles County, owayephupha ngokuba nekhaya kodwa engakwazi ukonga imali eyaneleyo ukuze ahlawule. Ngo-2024, wafumanisa uNcedo lukaRhulumente lweNtlawulo ngeNkqubo ye-HOP kwaye walijika elo phupha libe yinyani. NgoNcedo lweNtlawulo ePhantsi (I-DPA) egubungela i-$ 85,000 ye-$ 425,000 ye-townhouse yokuthenga kwakhe, uMaria wafudukela kwikhaya lakhe kwindawo engadibaniyo ye-LA County-ubungqina bokuba izibonelelo zezindlu kunye neemali-mboleko ezixolelekayo zingenza umehluko kwiintsapho ezifumana umvuzo ophantsi ukuya kumphakathi.

Uncedo lweNtlawulo lukaRhulumente oluPhantsi, njengenkqubo ye-HOP80 kunye ne-HOP120, lilitye lembombo lezindlu ezifikelelekayo kwi-LA County. Ilawulwa yi-LACDA, ezi zibonelelo zezindlu zibonelela ukuya kuthi ga kwi-$100,000 (HOP80) okanye i-$85,000 (HOP120)—nayiphi na ingaphantsi kwe-20% yexabiso lokuthenga—kuba umhlali wokuqalaEZInjengamakhaya osapho olunye, iicondos, okanye izindlu zasedolophini. Ukubanjwa? Ifumaneka kuphela kwizixeko ezingabandakanywanga LA County okanye HOP-nxaxheba, kunye namaxabiso okuthenga aphezulu $700,000 kunye $850,000, ngokulandelelanayo. KuMaria, oku kwakuthetha ukufumana imali-mboleko exolelekayo enenzala eyi-0% kunye neentlawulo ezirhoxisiweyo, ezimele zihlawulwe kuphela ukuba uyayithengisa okanye uyitshintshele indawo.

Umba wemali-mboleko exolelekayo luphawu olubalaseleyo. Phantsi kwe-HOP80-2025, ukuba uMaria uhlala kwikhaya lakhe iminyaka emihlanu, icandelo loxabiso ekwabelwana ngalo-apho wayeya kubuyisela imali-mboleko kunye nenxalenye yokunyuka kwexabiso lekhaya-iyaphela. I-HOP120-2025 yandisa eli xesha loxolelo ukuya kwiminyaka eyi-15, inika igumbi lokuphefumla ngakumbi. Esi sakhiwo sibonisa intsingiselo yezibonelelo zezindlu kwilizwe lonke: uphononongo lwe-Urban Institute lwango-2023 lufumanise ukuba iimali-mboleko ezixolelekayo zonyuse amazinga okuba ngabaninimzi nge-12% phakathi kwabathengi abanemivuzo ephantsi, ubungqina befuthe labo.

Ibali likaMaria liqaqambisa amandla oNcedo lweNtlawulo ePhantsi (DPA). Ufaneleke phantsi kwe-HOP120 yomda womvuzo (i-120% yomvuzo ophakathi kwisiphaluka) kwaye wagqiba i-semina yemfundo evunyiweyo ye-HUD yeeyure ezisibhozo, efumana isatifikethi sakhe ngaphambi kokuba i-escrow ivalwe. Le nkqubo iphinde yagubungela iindleko zakhe zokuvala, yanciphisa ubunzima bemali. Uncedo lweNtlawulo lukaRhulumente aluboneleli ngemali nje kuphela—lwakha ukuzithemba. UMaria wenze igalelo le-1% yentlawulo ephantsi (i-4,250 yeedola) kwimali awayeyilondolozile, ngaphantsi kakhulu kwe-$85,000 ebenokuyidinga ngaphandle kwe-DPA, ebonisa ukuba ezi zibonelelo zezindlu zilinganisa njani ibala lokudlala.

Kwabanye e-LA County, uNcedo lukarhulumente lweNtlawulo yeNtlawulo lunika ithemba elifanayo. Nokuba ujonge i-condo ye- $ 600,000 okanye i- $700,000 yekhaya losapho olunye, ezi nkqubo zidibana ne-FHA, i-VA, okanye iimali mboleko eziqhelekileyo ezimiselweyo ukwenza ubunini bufikeleleke. NgoNcedo lweNtlawulo ePhantsi (i-DPA), iimali-mboleko ezixolelekayo, kunye nezibonelelo zezindlu, i-LACDA ivula indlela yokuba iintsapho ezininzi zityale iingcambu kurhwebo olukhuphisanayo.