Reta Yambere Yokwishura Imfashanyo Kubaguzi Bambere Bambere murugo mu Ntara ya LA

Kugura inzu mu Ntara ya Los Angeles birashobora kumva ko ari intambara itoroshye, cyane cyane kubaguze amazu ya mbere bahura nizamuka ryimitungo priIYIno kugabanya ibisabwa byo kwishyura. Ku bw'amahirwe, gahunda za Leta zishyura amafaranga yo kwishyura, nka HOP80 na HOP120 zitangwa binyuze mu kigo gishinzwe iterambere rya Los Angeles County (LACDA), zitanga umurongo w'ubuzima. Izi ngamba zateguwe byumwihariko kubaguzi bambere mumazu muntara zidafite aho zihurira nintara ya LA County cyangwa imijyi yitabiriye HOP, itanga amadolari 100.000 cyangwa 85.000 $ - yatanzwe ku giciro cya 20% yubuguzi - kugirango ifashe kwishyura no kwishyura. Hamwe nibintu nka zeru yo kwishyura hamwe ninguzanyo zinyungu nkeya, izi gahunda zirahindura inzozi zo gutunga amazu mubyukuri.

Ku baguzi ba mbere murugo, ubujurire bwa Reta yo Kwishura Imishahara iri muburyo bworoshye. Fata gahunda ya HOP80, kurugero: ireba ingo zinjiza amafaranga atarenga 80% yumutungo winjira mu ntara, mugihe HOP120 yemerera abinjira kugera kuri 120%. Porogaramu zombi zemerera abaguzi kubona imitungo-amazu yumuryango umwe, udukingirizo, cyangwa amazu yo mumujyi - hamwe nigiciro kinini cyamadorari 700,000 (HOP80) cyangwa $ 850.000 (HOP120). Ikirenzeho, izo nguzanyo ziza hamwe ninyungu ya 0% hamwe nubwishyu bwatinze, bivuze ko nta mutwaro wa buri kwezi. Kwishura biterwa gusa iyo inzu igurishijwe, yimuwe, cyangwa itagikoreshwa na nyirayo, bigatuma imiterere yinguzanyo iciriritse ishyira imbere ubushobozi.

Ikiranga zero cyo kwishyura ni umukino uhindura umukino. Mugihe abasaba bagomba gutanga byibuze 1% yubwishyu bwambere bivuye mumafaranga yabo, infashanyo ya leta yo kwishyura yishyuye igice kinini, bivanaho gukenera kuzigama ibihumbi icumi imbere. Kurugero, inzu ya $ 700,000 munsi ya HOP80 yashoboraga kubona amadolari 100.000 yatwikiriwe, bigatuma umuguzi atanga amadorari 7,000 gusa - bitandukanye cyane nuko 20% yishyurwa mbere ya $ 140,000. Ibi bihuza n'ibigezweho mu gihugu: ukurikije ishyirahamwe ry’abacuruzi, 54% by’abaguze amazu ya mbere mu 2023 bavuze ko kuzigama kwishura ari imbogamizi ikomeye. Gahunda nkiyi kiraro icyo cyuho neza.

Kurenga ubutabazi bwamafaranga, Imfashanyo ya Reta yo Kwishura ikubiyemo ubwubatsi bwubatswe kandigushigikiras. Urugero rwa HOP80-2025, kurugero, rugaragaza gushimira-kwishyura inguzanyo hiyongereyeho igice cyo kongera agaciro k'urugo-ariko iki cyifuzo kirashira iyo ugumye murugo imyaka itanu. HOP120-2025 yongerera iki gihe imyaka 15, itanga byinshi byoroshye. Aya magambo yemeza ko abaguzi murugo bwa mbere bashobora kubaka uburinganire nta gitutu cyihuse, byose mugihe bungukirwa ninguzanyo zinyungu zituma ibiciro bikoreshwa neza.

Kwemererwa biroroshye ariko birihariye. Abasaba kuba Abanyamerika cyangwa abenegihugu bahoraho, barangiza amasaha umunani yemewe na HUD yemewe yo kugura amazu yo kugura amazu, no kugura inzu yibanze mu Ntara ya LA. Imitungo ikodeshwa n'abapangayi ntabwo yemerewe keretse niba ari amasezerano yo gukodesha-kugura, kwemeza ko intego yibanda kuri nyirayo. Hamwe na Reta yo Kwishura Imishahara, inzira yo gutunga amazu ntago itoroshye, itanga uburyo bwo kwishyura zeru mbere yo kwishyura, inguzanyo zinyungu nkeya, hamwe ninkunga ihamye kubaguze amazu yambere muri rimwe mumasoko yimiturire akomeye muri Amerika.