Inyungu Zambere za Reta Ifasha Kwishura Imishahara muri LA

Kuyobora isoko ryamazu ya Los Angeles birashobora gutera ubwoba, ariko gahunda ya leta yo kwishyura imishahara nka HOP80 na HOP120 itanga umurongo wubuzima kubaguzi binjiza amafaranga make. Yateguwe kubanza guturaIYImu mijyi itemewe na LA County cyangwa HOP yitabiriye, ubwo buryo bwo gufasha bushingiye ku kwinjiza butanga amadolari agera ku 100.000 cyangwa $ 85.000 - byashyizwe ku gipimo cya 20% cy’igiciro cy’ubuguzi - kugira ngo yishyure amafaranga yishyurwa. Hano hari inyungu zo hejuru zituma izi gahunda zinjiza-ziciriritse zigomba-kumenya-abifuza kuba bafite amazu.

1. Imfashanyo ishingiye ku nyunguku nkunga igenewe
   Imfashanyo ya Leta Yishyuwe Yateguwe hashingiwe ku mbibi z’amafaranga: HOP80 yerekana ko yujuje ibisabwa 80% by’amafaranga yinjira mu ntara ya LA County, mu gihe HOP120 igera kuri 120%, ihindurwa n’ubunini bw’umuryango. Ibi bituma gahunda zinjiza amafaranga make-aringaniye agera kubakeneye cyane. Ku muryango wabantu bane, HOP120 2025 yinjiza amafaranga agera ku 130.000 $, nkuko LACDA ibigereranya, bigatuma igera kumiryango myinshi ikora.
2. Gufunga Inkunga Ifasha Korohereza Umutwaro
   Usibye kwishyura mbere, izi porogaramu zikubiyemo amafaranga yo gufunga, zishobora kuva kuri 2-5% by'igiciro cyo kugura - $ 14,000 kugeza 35.000 $ ku nzu ya $ 700,000, nk'uko amakuru ya Zillow abitangaza. Leta Ifasha Kwishyura Intambwe Intambwe hamwe ninyungu 0%, inguzanyo zidindiza-kwishyura, zishyurwa gusa kugurisha cyangwa kwimura. Iyi mfashanyo yo gufunga igabanya amafaranga yakoreshejwe mbere, kureka abaguzi nkabo mumijyi yitabira HOP bibanda ku gutura.
3. Gahunda Yinjiza-Kugereranya Gahunda Yinjiza hamwe namagambo yoroshye
   HOP80 na HOP120 hamwe na FHA, VA, cyangwa inguzanyo zisanzwe zisanzwe hamwe nigiciro cyo kugura cap ku $ 700,000 na $ 850.000. Ikintu cyo gushimira gisangiwe - kwishyura inguzanyo hiyongereyeho umugabane wongerewe agaciro - birashira nyuma yimyaka itanu (HOP80) cyangwa imyaka 15 (HOP120), bitanga ihinduka ryigihe kirekire. Raporo ya 2024 Redfin ivuga ko igiciro cy’amazu yo hagati ya LA County cyageze ku madolari 820.000, bishimangira uburyo izo gahunda zituma nyirubwite atagera.

Ibindi byongeweho birimo amahugurwa asabwa amasaha umunani asabwa na HUD yemewe, kwemeza ko abaguzi babimenyeshwa, hamwe nintererano byibura 1% yinguzanyo, guteza imbere ishoramari nta kuzigama cyane. Imfashanyo ya Leta yo kwishyura ntabwo ari inkunga gusa - ni inzira yubatswe iganisha ku mutekano ku baguzi binjiza amafaranga make kandi yoroheje mu Ntara ya LA.