Fungura nyirurugo hamwe na CalHFA Gahunda yo Gufasha Kwishura Hasi

Kugura inzu muri Californiya birashobora kuba ibintu bishimishije ariko bitoroshye, cyane cyane kubaguzi ba mbere murugo bahura nikibazo cyo kuzigama aKwishura Hasi. Kubwamahirwe, CalHFA itanga gahunda yo Kwishura Kwishura Gutanga Inkunga Yamafaranga Yingirakamaro kugirango ifashe gutunga amazu neza.

Gahunda ya CalHFA itanga ubufasha bwo kwishyura muburyo butandukanye, harimo inkunga ninguzanyo, kugirango bifashe abaguzi kwishyura ibiciro byambere byo kugura inzu. Izi porogaramu ni ingirakamaro cyane cyane kubaguzi ba mbere murugo bashobora kuba badafite amafaranga byoroshye kuboneka mbere yo kwishyura ariko bagashaka kwemererwa inguzanyo. Mugabanye amafaranga akenewe kugirango yishyurwe mbere, gahunda za CalHFA zifasha koroshya umutwaro wamafaranga no kwemerera abagura amazu gutera imbere hamwe nubuguzi bwabo.

Imwe muri gahunda zihagaze muri CalHFA ni Gahunda ya MyHome Ifasha, itanga ubufasha bwo kwishyura bwishyurwa bugera kuri 3.5% byigiciro cyamazu yaguzwe cyangwa agaciro kagereranijwe. Iyi mfashanyo irashobora gufasha kwishyura amafaranga yishyuwe mbere no gufunga, gukora pro muri rusangeIYIs yo kugura inzu ihendutse cyane. Muguhuza iyi mfashanyo ninguzanyo ya mbere ya CalHFA yinguzanyo, abaguzi barashobora kugabanya cyane amafaranga bakuye mumifuka.

Usibye inyungu zamafaranga, CalHFA ituma kandi gahunda yo Gufasha Kwishyura Hasi igera kubaguzi benshi. Mugihe hari ibyangombwa byinjira ninguzanyo, CalHFA yihatira kwemeza ko abaguzi bujuje ibisabwa bashobora gukoresha gahunda kugirango inzozi zabo zo gutunga amazu zibe impamo. Abaguzi bagomba kugura inzu yibanze muri Californiya, ariko ibipimo byujuje ibisabwa byateguwe kugirango bifashe abaguzi benshi bashoboka.

Mu gusoza, CalHFA na gahunda zayo zo Kwishyura Hasi zitanga ibikoresho byingenzi byo gufasha Abaguzi ba mbere murugo muri Californiya gutsinda inzitizi zamafaranga yo kugura inzu. Izi porogaramu zituma nyir'urugo ahendutse mugutanga inkunga y'amafaranga yo kwishyura mbere no kwishyura. Niba uteganya kugura inzu muri Californiya, menya neza uburyo butandukanye bwo kwishyura bwo kwishyura buboneka binyuze muri CalHFA kugirango bigufashe gukora urugendo rwa nyiri urugo neza.