泛宇財經速報 貸款資訊知曉 2-13-2023
mortgage
市場周事件 ▷▷▷
在向房主提供近 3 億美元的援助後，加州抵押貸款救濟計劃週二宣布，它正在提供額外的援助——最高 80,000 美元用於抵押貸款延期。該計劃還擴大了其他資格要求，以幫助更多因 COVID-19 大流行而難以支付住房費用的房主。
該計劃正在以四種方式擴展：
- 之前獲得獎勵但仍符合條件且需要更多援助的房主可以返回獲得額外資金，援助總額最高可達 80,000 美元。
- 現在，對於在 2020 年 1 月或之後部分申請第二抵押貸款或延期貸款的房主，可以獲得援助。
- 重置了逾期抵押貸款和財產稅付款援助的拖欠日期。申請人必須在 2023 年 3 月 1 日之前至少錯過兩次抵押貸款付款或至少一次財產稅付款。
- 擁有最多 4 個單元的主要住所的房主現在可能有資格。
“自成立以來，加州抵押貸款救濟計劃一直致力於幫助加州最脆弱的房主克服 COVID-19 帶來的財務挑戰，”加州住房金融局 (CalHFA) 主任 Tiena Johnson Hall 說。
抵押貸款延期：
大流行病帶來的一項重大財務挑戰是抵押貸款延期。
許多重組抵押貸款以挽救房屋的房主現在在貸款結束時面臨大筆付款。
現在的擴張包括減少或消除與 COVID 相關的部分索賠第二抵押貸款和貸款延期的贈款。
那些在 2020 年 1 月期間或之後申請了部分第二抵押貸款或貸款延期的人現在可能有資格獲得援助。
“使用救濟基金為經歷過 COVID 困難的房主償還遞延餘額，可以恢復房屋淨值，並使經濟上脆弱的家庭更有能力維持房屋所有權，”國家住房法項目高級職員律師麗莎·西特金 (Lisa Sitkin) 說。 “這也減輕了將來必須弄清楚如何還清大筆氣球付款的焦慮。”
自推出以來，該計劃已向 10,000 多名加州房主發放了贈款。
美國泛宇集團有超過30年的財務規劃與管理經驗，專業的六大管理板塊，橫跨地產、貸款、保險、投資、稅務服務、教育, 旗下5000+名合作獨立經紀人遍布全美各州與亞洲主要城市，是全美最大亞裔一站式全方位財富管理服務的標竿品牌。歡迎與泛宇聯絡，讓專業的團隊為您出謀劃策。
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