IiNzuzo eziphezulu zoNcedo lweNtlawulo ePhantsi lukaRhulumente kwi-LA

Ukuzulazula kwimakethi yezindlu yaseLos Angeles kunokoyikisa, kodwa iinkqubo zoNcedo lweNtlawulo zikaRhulumente ezifana ne-HOP80 kunye ne-HOP120 zibonelela ngendlela yokuphila kubathengi abarhola imivuzo ephantsi ukuya kwephakathi. Yenzelwe abahlali bokuqalaEZIkwizixeko ezingabandakanywanga LA County okanye HOP-inxaxheba, ezi iinketho uncedo-based ingeniso-based ukunika ukuya ku $100,000 okanye $85,000-capped kwi 20% yexabiso lokuthenga-ukugubungela phantsi iintlawulo kunye neendleko zokuvala. Nazi izibonelelo eziphezulu ezenza ezi nkqubo zomvuzo ophantsi ukuya kumyinge omelwe kukwaziwa ngabaninimzi abanqwenelayo.

1. Uncedo oluSekwe kwiNgenisokwiNkxaso ekuJoliswe kuyo
   Uncedo lwentlawulo lukaRhulumente oluPhantsi luyilwe ngemida yengeniso engqondweni: ukufaneleka kwe-HOP80 kwi-80% yengeniso ephakathi ye-LA County, ngelixa i-HOP120 idlulela kwi-120%, ihlengahlengiswe ngokobungakanani bosapho. Oku kuqinisekisa ukuba iinkqubo zomvuzo ophantsi ukuya kumphakathi zifikelela kwabo bazifuna kakhulu. Kusapho olune, i-HOP120's 2025 umda womvuzo ujikeleza malunga ne- $130,000, ngokoqikelelo lwe-LACDA, iyenza ifikeleleke kuluhlu olubanzi lwamakhaya asebenzayo.
2. Uncedo lweeNdleko zokuvala ukuthomalalisa umthwalo
   Ngaphandle kweentlawulo eziphantsi, ezi nkqubo zigubungela iindleko zokuvala, ezinokusuka kwi-2-5% yexabiso lokuthenga-i-$ 14,000 ukuya kwi-$ 35,000 kwi-$ 700,000 ekhaya, ngokwedatha yeZillow. Uncedo lukaRhulumente lweNtlawulo yeNtlawulo lungena nge-0% yenzala, iimali-mboleko ezirhoxisiweyo, ezihlawulwa kuphela xa uthe wathengisa okanye watshintshelwa kwelinye ilizwe. Olu ncedo lweendleko zokuvala lunciphisa iindleko zangaphambili, luvumela abathengi abafana nabo bakwizixeko ezithatha inxaxheba kwi-HOP ukuba bagxile ekuzinzeni.
3. IiNkqubo zoMvuzo oPhantsi ukuya kuMphakathi oneMiqathango eFlexible
   I-HOP80 kunye ne-HOP120 zidibene ne-FHA, i-VA, okanye iimali-mboleko eziqhelekileyo ezimiselweyo kunye namaxabiso okuthenga i-cap kwi-700,000 yeedola kunye ne-850,000 yeedola, ngokulandelelanayo. Isici sokuxabisa okwabelwana ngaso-ukubuyisela imali-mboleko kunye nesabelo sokunyuka kwexabiso-iphelelwa emva kweminyaka emihlanu (HOP80) okanye iminyaka eyi-15 (HOP120), enikezela ukuguquguquka kwexesha elide. Ingxelo ye-Redfin ka-2024 iphawula ixabiso lekhaya lase-LA County labetha i-820,000 yeedola, igxininisa ukuba ezi nkqubo zigcina njani ubunini ekufikeleleni.

Izibonelelo ezongezelelweyo ziquka i-semina yemfundo evunyiweyo yeeyure ezisibhozo ze-HUD, ukuqinisekisa ukuba abathengi bayaziswa, kunye ne-1% encinci yegalelo lomboleki, ukukhuthaza utyalo-mali ngaphandle kokulondoloza kakhulu. Uncedo lwentlawulo lukaRhulumente lweNtlawulo aluyiyo nje inkxaso-mali yindlela ecwangcisiweyo yozinzo kubathengi abafumana umvuzo ophantsi ukuya kwephakathi kwi-LA County.