泛宇財經速報 貸款資訊知曉 4-3-2023
mortgage
市場周事件 ▷▷▷
加利福尼亞推出創新的共享增值住房貸款計劃
加州正在經歷的住房危機已經被不斷上漲的利率所加劇，這使得缺乏現金的加州居民購買新房更加困難。然而，一個新的州級計劃可能為低收入和中等收入的加州居民提供一些希望，他們有能力支付每月房貸，但缺乏首付款的流動資金。
加利福尼亞州於週一推出了一個新的共享增值住房貸款計劃，以協助符合條件的首次購房者獲得一種獨特的首付款援助。
該計劃，也稱為“California Dream For All Program”，由加利福尼亞住房金融機構（CalHFA）管理，為符合條件的購房者提供房價或評估價值較低的房屋20%的貸款。購房者在出售、再融資或轉讓財產之前不需要對貸款進行任何支付。此時，購房者將償還原始首付貸款以及房屋價值增值的20%份額。
根據CalHFA網站上的關鍵計劃特點，“資金的可回收性”是一個重要特徵，以便“更多加州居民可以獲得援助”。換句話說，州政府將利用其從所融資購買的房屋的升值價值中獲得的資金，提供新的貸款。
該計劃確實包括不同縣的收入資格要求。如果家庭年收入低於30萬美元，聖克拉拉縣的首次購房者就有資格參加。
然而，該計劃受到州長預算撥款金額的限制。根據州財務主管菲奧娜·馬（Fiona Ma）的推文，她的辦公室去年夏天推動了該計劃概念的研究，“Dream For All Program”的3億美元撥款將支持“預計2,300名首次購房者”。
因此，南灣的符合條件的首次購房者可能希望儘早探索該計劃。有關更多信息，有興趣的購房者可以訪問CalHFA網站上的該計劃頁面。
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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Loans are subject to credit and collateral approval. Advertised rates are based on a set of loan assumptions including a borrower with excellent credit history and optimal loan characteristics. Your final interest rate and annual percentage rate (APR) may differ depending on your individual transaction’s specific characteristics, and certain products may not be available for your situation. Several determining factors include, but are not limited to, the state of the property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value, and credit score.
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