Uburyo Reta Yishyura Imishahara Ifasha LA Abaguze Amazu

Hura Maria, umubyeyi urera abana wenyine kandi ukodesha ubuzima bwe bwose mu Ntara ya Los Angeles, wifuzaga gutunga inzu ariko ntashobora kuzigama bihagije kugirango yishyure mbere. Mu 2024, yavumbuye ubufasha bwa leta bwo kwishyura binyuze muri gahunda ya HOP maze ahindura izo nzozi. Hamwe n'Imfashanyo yo Kwishura Hasi (DPA) yishyuye amadolari agera ku 85.000 y’amadorari 425.000 yaguze mu mujyi, Maria yimukiye mu rugo rwe mu gace ka LA County adafite ubufatanye - gihamya ko inkunga y’amazu hamwe n’inguzanyo zishobora kubabarirwa bishobora kugira icyo bihindura ku miryango ikennye kandi yoroheje.

Imfashanyo ya Leta Yishyuwe, nka gahunda ya HOP80 na HOP120, ni umusingi wamazu ahendutse mu Ntara ya LA. Biyobowe na LACDA, izo nkunga zamazu zitanga amadolari 100.000 (HOP80) cyangwa 85.000 $ (HOP120) - niyo yaba ari munsi ya 20% yikiguzi-kubatuye mbereIYInk'amazu y'umuryango umwe, udukingirizo, cyangwa amazu yo mumujyi. Ifatwa? Iraboneka gusa mumijyi ya LA County cyangwa HOP itabigizemo uruhare, hamwe nigiciro kinini cyo kugura $ 700,000 na $ 850.000. Kuri Maria, ibi bivuze kubona inguzanyo ibabarirwa hamwe ninyungu 0% hamwe nubwishyu bwatinze, byishyurwa gusa iyo agurishije cyangwa yimuye umutungo.

Inguzanyo ishobora kubabarirwa ni ikintu kigaragara. Muri HOP80-2025, niba Maria agumye iwe imyaka itanu, igice cyo gushimira - aho yari kwishyura inguzanyo hiyongereyeho igice cyongerewe agaciro murugo - kirashira. HOP120-2025 yongerera iki gihe cyo kubabarira imyaka 15, itanga icyumba kinini cyo guhumeka. Iyi miterere irerekana imigendekere yimpano zamazu mugihugu hose: ubushakashatsi bwakozwe mumashuri 2023 bwerekanye ko inguzanyo zishobora kubabarirwa zongereye igipimo cyaba nyiri amazu 12% mubaguzi binjiza amafaranga make, bikaba byerekana ingaruka zabo.

Amateka ya Maria yerekana imbaraga zo Kwishyura Hasi (DPA). Yujuje ibyangombwa byinjira muri HOP120 (120% byinjiza intara yo hagati yintara) arangiza amahugurwa yamasaha umunani yemewe na HUD, abona icyemezo cye mbere yuko escrow ifunga. Porogaramu kandi yishyuye amafaranga yo gufunga, byorohereza ubukungu. Imfashanyo ya Leta yo kwishyura ntabwo itanga amafaranga gusa - yubaka ikizere. Maria yatanze 1% yishyuwe mbere ($ 4.250) bivuye mubyo yazigamye, munsi y’amadolari 85.000 yari akeneye adafite DPA, yerekana uburyo izo nkunga zamazu zingana ikibuga.

Kubandi bo mu Ntara ya LA, Imfashanyo yo Kwishura Reta itanga ibyiringiro bisa. Waba ureba agakingirizo ka 600.000 $ cyangwa inzu yumuryango umwe $ 700,000, izi gahunda zihuza na FHA, VA, cyangwa inguzanyo zisanzwe zisanzwe kugirango nyirubwite agerweho. Hamwe na Down Pay Assistance (DPA), inguzanyo zishobora kubabarirwa, hamwe ninkunga zamazu, LACDA iha inzira imiryango myinshi gushinga imizi kumasoko arushanwa.