目前看政府首付会大幅增加人们对1-1.5M这个价位的房产的购买力 这部分炒高以后 屋主卖掉再去买更贵的价格 最后的结果是整体上都会涨价 CalHFA is offering this program that provides eligible homebuyers with down payment aid in order to buy their first home. They will get a shared appreciation loan to help them get to that down payment of up to 20% of their home''s listed price. There won''t be a need to make monthly interest payments on the shared appreciation loan for this. Just like it happens when you buy anything, the higher down payment will help you reduce the amount of your primary mortgage.
目前看政府首付会大幅增加人们对1-1.5M这个价位的房产的购买力 这部分炒高以后 屋主卖掉再去买更贵的价格 最后的结果是整体上都会涨价 CalHFA is offering this program that provides eligible homebuyers with down payment aid in order to buy their first home. They will get a shared appreciation loan to help them get to that down payment of up to 20% of their home''s listed price. There won''t be a need to make monthly interest payments on the shared appreciation loan for this. Just like it happens when you buy anything, the higher down payment will help you reduce the amount of your primary mortgage. pollst 发表于 2023-03-28 16:39
硅谷政府补助更高：30% （Santa Clara County）。 知道好几个人都在准备申请这个Program。 https://housingtrustsv.org/programs/homebuyer-assistance/empower-homebuyers-scc/
目前看政府首付会大幅增加人们对1-1.5M这个价位的房产的购买力 这部分炒高以后 屋主卖掉再去买更贵的价格 最后的结果是整体上都会涨价 CalHFA is offering this program that provides eligible homebuyers with down payment aid in order to buy their first home. They will get a shared appreciation loan to help them get to that down payment of up to 20% of their home''s listed price. There won''t be a need to make monthly interest payments on the shared appreciation loan for this. Just like it happens when you buy anything, the higher down payment will help you reduce the amount of your primary mortgage. pollst 发表于 2023-03-28 16:39
Are You a First-Time Homebuyer? To know for sure, you should understand that a first-time homebuyer is defined as someone who has not owned and occupied their own home in the last three years. That means if you've never owned a home, you're a first-time homebuyer. It also means that if you owned your home three or more years ago, but sold it, you are right back to being a first-time homebuyer again, and you can take advantage of all of the benefits of CalHFA's first-time homebuyer programs. 我想请问一下如果是3年前买的2nd home,去年卖掉了还符合要求吗?
Are You a First-Time Homebuyer? To know for sure, you should understand that a first-time homebuyer is defined as someone who has not owned and occupied their own home in the last three years. That means if you've never owned a home, you're a first-time homebuyer. It also means that if you owned your home three or more years ago, but sold it, you are right back to being a first-time homebuyer again, and you can take advantage of all of the benefits of CalHFA's first-time homebuyer programs. 我想请问一下如果是3年前买的2nd home,去年卖掉了还符合要求吗?
Are You a First-Time Homebuyer? To know for sure, you should understand that a first-time homebuyer is defined as someone who has not owned and occupied their own home in the last three years. That means if you've never owned a home, you're a first-time homebuyer. It also means that if you owned your home three or more years ago, but sold it, you are right back to being a first-time homebuyer again, and you can take advantage of all of the benefits of CalHFA's first-time homebuyer programs. 我想请问一下如果是3年前买的2nd home,去年卖掉了还符合要求吗?
CalHFA is offering this program that provides eligible homebuyers with down payment aid in order to buy their first home. They will get a shared appreciation loan to help them get to that down payment of up to 20% of their home''s listed price. There won''t be a need to make monthly interest payments on the shared appreciation loan for this. Just like it happens when you buy anything, the higher down payment will help you reduce the amount of your primary mortgage.
加州大麻合法了可有钱了
加州政府出0利率的20%首付 只有卖出房子的时候才需要还回去
家庭收入十五万左右可以负担 1.5 mil 的房子？
这又是中介想出的促销之道吧。
San Diego是20万 如果出20万首付 政府补贴30万 就是50万首付了 可以买得到1.2M的房子 1.5M是湾区了 30万limit
硅谷政府补助更高：30% （Santa Clara County）。 知道好几个人都在准备申请这个Program。 https://housingtrustsv.org/programs/homebuyer-assistance/empower-homebuyers-scc/
你就别管哪里来的了。 你没看到在讨论给黑人一人500万；另加每年白给10万美元，连续250年？你没看错，是250年。哈哈 给他们糟蹋，还不如给买房者呢！
https://apnews.com/article/san-francisco-black-reparations-5-million-36899f7974c751950a8ce0e444f86189
最后这些钱都会通过各种途径流入到现有的资产持有者手里
这些只是印钱通胀的另一种形式罢了 这种情况下 不持资产的高收入w2是被剥削的 持有投资房的可能爽死了
charles Schwab 这个黑心的
他家是少有的券商加一个很大的银行（fidelity, vanguard 啥的没有自己的银行），它用券商的名义吸引顾客，然后按银行的方式给人利息
啥意思呢，比如现在fidelity 给账户里的闲钱4.2% 利率，按money market fund 给。 Charles Schwab 按saving 给0.42%
所以Charles schwab 买了好多1.7% 的mbs, 它觉得自己有的赚（比0.42% 多嘛）
谁知利率涨了客户不干了，凭啥我拿0.45%啊，要求提款
楼主估计sd炒房亏了，天天鼓吹全世界富人都去sd买房，你觉得富人会看得上sd1.5m的房子？
首付不用付利息，但是卖房时增值部分要按比例分给政府。 假设100万房子政府出首付20万，卖时增值30%，增值的30万要付20%也就是6万给政府，20万贷款6万利息，大约相当于5%利息10年的普通房贷，要看持有多久, 时间短了可并不划算。 这是帮助中低收入群体买自住房的，不能出租，而且只有5亿美元预算，据说可能拓展到10亿美元，但是加州的房价也就够资助几千套吧……
1M左右的会很抢手。不符合申请条件，但是需要买房的得抓紧下手了。 否则等到夏天，这个价位的房子，会被炒高很多。
这不就是神经病吗？给你一个面包，吃完了说这个面包有毒。这是tmd什么操作。
没看懂，为啥要跑？ 这么好的政府（帮助穷人买房），还不满足？ 再说了，哪里不是各种问题？江湖就是人心，人心就是江湖，哪里都一样的，只是表现形式不同而已。
哈哈，今年房市大概率会反转成飙升。
agent挺抱团的，自己买很有可能抢不到房子 不少agent的一个卖点是能帮你买到
Refinance 时需要归还本金，没有利息。
一个人的收入限制是14万似乎。 也不算低收入了。
既然是agent，就专业一点好不好？这水平，谁还敢找你买房子？ 前阵子已经有帖子科普过了，首付不能超过30%，（除了政府出的20%，借款人最多只能付10%的首付），怎么可能让你出50W首付？首付比例有限制，收入也有限制，最后算下来最多买1M的房子，这种房子哪里能入华人的眼？
自杀线都不到还不低？
我不是agent 我就是大概说这个法案非常提振1M的房子 1M的房子涨 原来的owner就会去买更贵的房子 最后水涨船高所有的一起涨
加州低收入的房子确实是1M以下 在sd根本买不到什么好区的独栋
理解错误吧。一百万贫困线，那是年收入。
这个14万的收入是一年么？比如我今年Part time 工作，收入不超过14万，买了房子然后做全职？
说实在控制加州房子最好是调房产税，政府既能增加收入，还能缓解房价
现在加州大城市的中低收入太难过了，老居民买房早的还行，新居民根本不来。就说医生吧，毕业的很多不留，别的地方收入不低生活不贵，何必在弯曲LA啥的卷？
那还有问嘛， 当然是从你我这种中产的口袋掏啦。
过去10年高科技雇工/股票暴涨，加州财政还可以，牛孙就觉得好有钱开始各种花式花钱
未来10年觉得没这种好事了，pelosi 也下来了不给加州捞好处了。虽说麦卡锡也是加州的，他好像没有给加州捞油水的想法
今年因为股票抱爹，联邦也不给钱了，财政就赤字了
加州政府并不想控制房价 你这个前提就不对
房市活跃，房价涨，每个政府都是乐于看到的。 房地产税收到手软。
房产税收入还是很多啊，这两年这么多交易，税基都上去了。
tax + print
加州很多地方入门房子就是1M啊，又不是置换的升级房。这点上楼主说的倒是没错。
我想请问一下如果是3年前买的2nd home,去年卖掉了还符合要求吗?
這可能只適合新移民或收現金工作的家庭 w2付貸款 另有現金日常消費
你都说2nd home了。。。
因為有這20戶 所以其他80戶的市價 也比同城低一點 依此理 如果每個新區都有部分政府補貼的房價 整個新區的房價可能都會受影響 房價漲是因為通膨 不是因為政府補助
思路一下子打开啦。不用卖房子。可以租出去。然后自己另找地方租房。或者你和朋友邻居互相租对方的房子住。
去年的那个项目不能refinance,做时需要偿还政府的钱，但今年这个是可以refinance的。项目不同。
"first time buyer"不止是字面上的意思.你再看第三句话.
你是担心房价涨了没地儿吃翔了吧。
不符合
这个不一样的，affordable housing是再次转卖时必须要卖给qualified buyer，通常是低收入人群。现在这个补贴20%的项目，下次卖的时候要把钱还给政府，并且增值部分也要分给政府一部分，对下一任买家没有任何限制
这个虽然说是最多可以30%，但是细则写了最多25万
有的program可以refi一次，不需要还本金