Melemo e ka Holimo-limo ea Thuso ea Phatlalatso ea 'Muso ho LA

Ho tsamaea 'marakeng oa matlo oa Los Angeles ho ka tšosa, empa mananeo a Thuso ea Phatlalatso ea Phatlalatso ea Mmuso joalo ka HOP80 le HOP120 a fana ka tsela ea bophelo bakeng sa bareki ba chelete e tlase ho isa ho e itekanetseng. E etselitsoe moahi oa mantlhaTSENAmetseng e sa kopanngoeng ea LA County kapa metseng e nkang karolo ea HOP, likhetho tsena tsa lithuso tse thehiloeng ho chelete li fana ka $100,000 kapa $85,000—e leng 20% ​​ea theko ea theko—ho koahela litefo le litšenyehelo tsa ho koala. Mona ke melemo e ka holimo e etsang hore mananeo ana a chelete a tlaase ho isa ho a itekanetseng a tsebe ho batho ba batlang beng ba matlo.

1. Thuso e Thehiloeng ho Cheletebakeng sa Tšehetso e Lebeletsoeng
   Government Down Payment Assistance e etselitsoe ho nahanoa ka meeli ea chelete e kenang: HOP80 e lekana le 80% ea chelete e kenang ea LA County, ha HOP120 e fetela ho 120%, e lokisoa ho latela boholo ba lelapa. Sena se tiisa hore mananeo a meputso e tlase ho isa ho a mahareng a fihla ho ba a hlokang haholo. Bakeng sa lelapa la batho ba bane, moeli oa moputso oa HOP120 oa 2025 o feta $130,000, ho latela likhakanyo tsa LACDA, e leng se etsang hore e fihlellehe ho malapa a mangata a sebetsang.
2. Ho Koala Litšenyehelo ho Thusa ho Bebofatsa Moroalo
   Ka ntle ho litefello tse tlase, mananeo ana a koahela litšenyehelo tsa ho koala, tse ka tlohang ho 2-5% ea theko ea theko-$ 14,000 ho $ 35,000 lapeng la $ 700,000, ho latela lintlha tsa Zillow. Government Down Payment Assistance e kenella ka tsoala ea 0%, likalimo tsa tefo e chechisetsoang morao, tse lefuoang feela ha li rekisitsoe kapa ha li fetisoa. Thuso ena e koalang ea litšenyehelo e fokotsa litšenyehelo tsa pele, e lumella bareki ba kang ba literopong tse nkang karolo ho HOP hore ba tsepamise maikutlo tabeng ea ho lula.
3. Mananeo a Moputso a Tlase ho isa ho a Itekanetseng a nang le Melao e Fetohang
   HOP80 le HOP120 li tsamaisana le FHA, VA, kapa likalimo tse tloaelehileng tse sa fetoheng le litheko tsa theko e tlase ho $700,000 le $850,000 ka ho latellana. Karolo ea kananelo e arolelanoang-ho lefa sekoloto le karolo ea keketseho ea boleng-e fela ka mor'a lilemo tse hlano (HOP80) kapa lilemo tse 15 (HOP120), e fanang ka phetoho ea nako e telele. Tlaleho ea Redfin ea 2024 e bontša hore theko ea lehae ea LA County ea bohareng e fihlile ho $820,000, e totobatsang hore na mananeo ana a boloka beng ba bona ba le teng.

Melemo ea tlatsetso e kenyelletsa semina ea thuto e lumelletsoeng ea lihora tse robeli ea HUD, ho etsa bonnete ba hore bareki ba tsebisoa, le bonyane karolo ea 1% ea likalimo, ho khothaletsa matsete ntle le ho boloka chelete e ngata. Thuso ea Phatlalatso ea 'Muso ha se chelete feela - ke tsela e hlophisitsoeng ea botsitso bakeng sa bareki ba chelete e tlaase ho ea ho e itekanetseng LA County.