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主頁 > 理財文章 > 地產投資 > 首次買屋貸款優惠  

首次買屋貸款優惠

 

美國政府鼓勵民眾購買自住房屋,除了成立機構提供長達三十年固定利率貸款外,還給予各樣稅務優惠,難怪近七成美國人都擁有自住物業。

 

以下是不同的首次購屋優惠,分別是市政府,州政府和聯邦政府的優惠。請注意﹕每一個計劃都有不同的規則和限制,所以要小心查詢。

 

市政府優惠

 

有個別城市為了吸引民眾定居在該城市,有提供的首次購屋援助或優惠計劃,這些計劃可能包括向首次購屋或收入不高者提供低息甚至免息首期貸款,大家不妨向市政府查詢,或到市政府網址閱讀。

 

舉幾個例子,在南加州不少城市為首次買屋者提供這類優惠﹕

 

Alhambra 市的優惠計劃﹕http://www.cityofalhambra.org/government/development_services/housing_assistance/homebuyer_coa.html

 

Pasadena市的優惠計劃﹕  http://www.ci.pasadena.ca.us/housing/homebuyer.asp

 

在北加州也有這類計劃﹕

 

三藩市的優惠計劃﹕http://www.sfgov.org/site/moh_page.asp?id=47989  

 

紅木城(Redwood City)的優惠計劃﹕www.redwoodcityhousing.org/index_programs.htm  

  

 

請注意,不一定每一個城市都有這類計劃,即使過去有,也不等於會繼續有,假如城市資金短缺,是隨時可以取消計劃。以下是加州所有市政府與這類計劃有關的電話,您不妨致電詢問﹕

Alameda Down payment Assistance Program (DAP)(510) 749-5824 
Anaheim Home Program (HOME) (714) 765-4340 
Anaheim Police Residence Assistance Program (PRAP) (714) 765-4340 
Anaheim Second Mortgage Assistance Program (SMAP) (714) 765-4340 
Brentwood Police Officer Recruitment Incentive Program (BPOAP) (925) 516-5195 
California Gold Taxable MRB Second Mortgage Loan Program (SML) (916) 444-2615 
California School Facility Fee Down Payment Assistance Program (DPA) (916) 322-1353 
Campbell Deferred Second Loan Program (DSLP) (408) 299-5142 
Chico Mortgage Subsidy Program (MSP) (916) 895-4862 
Coalinga Down payment Assistance Program (DAP) (559) 935-1533 
Concord First Time Homebuyer Program (FTHB) (925) 671-3325 
Costa Mesa Homebuyer Assistance Program (HAP) (714) 754-5692 
Culver City Mortgage Assistance Program (MAP) (310) 253-5780 
Del Norte/Humboldt Yurok Indian Housing Authority Down payment Assistance Gift (707) 482-1506 
Dinuba Homebuyer Assistance Program (HAP) (559) 591-5900 
Dixon Down Payment Assistance Program (DPA) (707) 678-7000 
El Cajon 120% First Time Homebuyer Program (FTHB) (619) 441-1768 
El Cajon 80% First Time Homebuyers Program (FTHB) (619) 441-1768 
El Monte Down Payment Assistance Program (DPAP) (626) 580-2070 
Emeryville First Time Homebuyer Program (FTHP) Moderate Income (510) 596-4316 
Fairfield City-Wide In-fill Housing Silent Loan Program (FSLP-2nd) (707) 428-7457 
Fairfield City-Wide In-Fill Housing Silent Loan Program (FSLP-3rd) (707) 428-7457 
Fremont Adams Ave Home Project Second Mortgage (SM) (510) 494-4520 
Fremont First Time Homebuyer Programs (FTHB) (510) 494-4506 
Fresno CalHome Mortgage Assistance Program (MAP) (559) 262-4292 
Fresno County Down payment Assistance Program (DAP) (559) 262-4292 
Fresno County- Economic Opportunities Commission Refugee Individual Development Account (IDA) (559) 263-1065 
Fresno Downpayment Assistance Program (DAP) (559) 498-4815 
Grand Terrace Affordable Housing Program (AHP) (909) 825-3825 
Hanford Home Sweet Home Program (Home) (559) 585-2587 
Hawthorne First Time Homebuyer Program (FTHP) (310) 970-7086 
Hayward First Time Homebuyer Program (FHP) (510) 583-4244 
Hesperia First Time Homebuyer Down payment Assistance Program (DAP) (760) 947-1907 
Imperial First Time Home Buyer Program (FTHB) (760) 355-4373 
La Quinta Home Purchase Program (HPP) (714) 541-4585 
Lincoln Homebuyer Mortgage Program (800) 995-0431 
Livermore Down Payment Assistance (DAP) (925) 373-5699 
Livermore Down Payment Assistance Program (DAP) Ten Year Amortization Second Loan (925) 373-5699 
Long Beach Housing Development Company Down payment Assistance Program (DAP) (562) 570-6949 
Los Angeles County Home Ownership Program (HOP) (213) 890-7248
Los Angeles County Montebello Housing Development Corporation Calhome FTHB Mortgage Assistance Program (MAP) (323) 722-3955 
Madera County Homebuyer Assistance Program (HAP) (559) 675-7821 
Manteca City Manteca First Time Home Buyer Assistance Program (DAP) (209) 239-8427 
Mendocino County Down Payment Assistance Program (DPAP) (707) 463-5462
Mendocino County Individual Development Empowerment Account Program (IDEA) (707) 462-0522 
Mendota First Time Homebuyers Program (FTHP) (559) 655-3291 
Merced County First Time Homebuyer Program (FTHP) (209) 385-7654 
Merced First Time First Time Home Buyer Grants Program (FTHB) (209) 385-6863 
Modesto Down Payment Assistance Program (DPAP) (209) 577-5310 
Monterey County First Time Home Buyers Program (FTHB) (831) 786-1357 
Monterey Down Payment Assistance Program (DAP) (831) 646-3728 
Napa First Time Homebuyer Loan Program (FTHB) (707) 257-9543 
National City First-Time Homebuyer Program (FTHP) (619) 336-4250 
Nevada County Down payment Assistance Program (DAP) (530) 265-1388 
Norco First Time Homebuyer Program (FTHB) (909) 270-5645 
Oakland "Public Safety Officer/Teacher/Communications Dispatcher Down Payment Assistance Program" (DAP) (510) 238-3909 
Oakland Mortgage Assistance Program (MAP) (510) 238-3344 
Oroville First Time Homebuyer Program (FTHB) (530) 538-2495 
Oroville First Time Homebuyer Program (FTHB) (530) 538-2495 
Oxnard Historical Enhancement & Revitalization of Oxnard (HERO) (805) 385-7400 
Oxnard Resale Housing Conditional Matching Grant Program (GRANT) (805) 385-7400 
Palmdale Mortgage Assistance Program (MAP) (661) 267-5126 
Pasadena Homeownership Opportunities Program (HOP) (626) 744-8316 
Pasadena Neighborhood Housing Services Inc CalHome First Time Homebuyer Program (FTHP) (626) 744-4141 
Paso Robles CalHome Program (CalHome) (805) 237-3970 
Placer County First Time Homebuyer Assistance Program (FTHB) (530) 889-4246 
Pomona Calhome First Time Home Buyer Program (FTHB) (909) 620-3630 
Porterville First Time Low Income Home Buyer Program (FTHB) (559) 782-7460 
Rancho Cucamonga First Time Homebuyer Program (909) 884-6891 
Redding Down payment Assistance Program (DAP) (530) 225-4173 
Redlands First Time Homebuyer Program (FTHB) (909) 884-6891 
Richmond In-Fill Homeowner Assistance Program (INFILL) (510) 307-8151 
Rio Vista First Time Home Buyer Program (FTHB) (707) 374-6451 
Ripon Gap Down Payment Assistance Program (GAP) (209) 599-2108 
Riverside CalHome Mortgage Assistance Program (MAP) (909) 341-6511 
Riverside County Individaul Development Account (IDA) (909) 955-4900 
Rocklin First Time Homebuyers Down Payment Assistance Program (FTHB) (800) 995-0431 
Roseville First Time Homebuyer Program (FTHP) (916) 774-5446 
Round Valley Indian Housing Homebuyer Assistance Program (HAP) (707) 983-6188 
Sacramento CalHome First Time Homebuyer Mortgage Assistance Program (MAP) (916) 264-1522 
Sacramento County and City First Time Home Buyer Program (FTHP) (916) 264-1524 
Sacramento County and City Homebuyers Assistance Program (HAP) (916) 264-1524 
Sacramento County MCC Expanded Teacher Home Purchase First Time Homebuyer Program (FTHB) (916) 264-1524 
Sacramento County MCC Expanded Teacher Home Purchase Homebuyer Assistance Program (HAP) (916) 264-1524 
Sacramento Mortgage Assistance Program (MAP) (916) 264-1522 
Salinas First Time Homebuyer Down payment Assistance Program (408) 758-7334 
San Diego County San Diego Neighborhood Housing Services CalHome Program (CalHome) (619) 282-6647 
San Diego Down Payment Assistance Grant Program (DPAG) (619) 578-7491 
San Diego Neighborhood Housing Services Cost Assistance Support for Homebuyers Program (CASH) (619) 282-6647 
San Fernando First Time Homebuyer Program (FTHP) (818) 898-1233 
San Francisco First Time Homebuyer Program (FTHB) (415) 252-3177 
San Joaquin County GAP Loan Program (GAP) (209) 468-3157 
San Jose Neighborhood Housing Services of Silicon Valley, "The Vernal Fund" Mortgage Assistance Program (MAP) (408) 272-2878 
San Jose Teachers Homebuyer Program (THP) (408) 277-8486 
San Leandro First Time Homebuyer Program (FTHB) (510) 577-6002 
San Marcos Down Payment Assistance Loan Program (DPAL) (760) 744-1050 
San Mateo County Start Program 2nd Lien (650) 802-5033 
San Mateo County StartPLUS 3rd Lien (650) 802-5033 
San Mateo Countywide Home Investment Partnership Program (CHIP) (650) 522-7223 
San Mateo First Time Home Buyer Program (FTHB) (650) 522-7220 
Sanger First Time Homebuyers Program (FTHP) (559) 876-6329 
Santa Clara County Deferred Closing Cost Program (DCCP) (408) 299-5142 
Santa Clara County Second Loan Program for Teachers (SLPT) (408) 441-4260 
Santa Cruz County First Time Home Buyer Program (FTHB) (408) 454-2280 
Seaside First Time Home Buyer Program (831) 899-6728 
Shasta County Down Payment Assistance Program (DAP) (530) 245-6431
Simi Valley Closing Cost Grant Assistance (GRANT) (805) 583-6853 
Simi Valley First Time Homebuyer Assistance Program (FTHB) (805) 583-6853 
Sonoma County Employee Second Mortgage Program (ESMP) (707) 565-7500
South Lake Tahoe First Time Homebuyer Assistance Program (FTHB) (530) 542-6157 
Stanislaus County Down Payment Assistance Program (DPA) (209) 525-6330 
Stanislaus County Public Facilities Fee Deferral Program (PFF) (209) 523-6330 
Tulare County First Time Homebuyer Program (559) 733-6291 
Turlock First Time Home Buyers Program (FTHB) (209) 668-5610 
Ukiah Down Payment Assistance Program (DAP) (707) 463-5462 
Upland Primary Assistance Loan Program (PAL) (909) 931-4113 
Vacaville Down Payment Assistance Loan Program (DPAL) (707) 449-5687 
Ventura First Time Home Buyer Grants Program (HBAP) (805) 654-0038 
Victorville Mortgage Assistance Program (MAP) (760) 955-5032 
Visalia Homebuyer Assistance Program (HAP) (559) 738-3460 
Waterford First Time Home Buyer Assistance Program (DAP) (916) 725-1181 
Watsonville Down payment Assistance Program (DAP) (831) 728-6014 
Watsonville First Time Home Buyer Program (FTHP) (831) 728-6014 
Woodlake First Time Home Buyer Grants Program (HAP) (209) 564-8055 
Yuba City First Time Homebuyer Assistance Program (FTHB) (530) 822-4697

 

州政府優惠

 

加州有一個官方機構,叫California Housing Finance Agency,簡稱為CalHFA,它有一個優惠貸款計劃,稱為CalHFA Community Stabilization Home Loan Program,但有物業地點的限制,規定您必須搬到某些地區,便給予貸款優惠。要查詢詳情請到以下網站  http://www.calhfa.ca.gov/homebuyer/programs/cshlp.htm

 

最新消息﹕加州由於財政短缺,已經在零八年十二月停止這項貸款優惠﹕

 

California home loan program suspended

By Eve Mitchell, STAFF WRITER

Updated: 12/24/2008 06:33:07 AM PST



It has got even harder for low- and moderate-income first-time home buyers to find an affordable loan, thanks to the state's budget problems. The California Housing Finance Agency has temporarily suspended popular programs that help people get into homes through 30-year, fixed-rate loans and down payment help.

The programs were suspended in response to action taken last Wednesday by the Pooled Money Investment Board, which halted nearly $4 billion in state loans for various infrastructure programs. The action also suspends loans made by the Investment Board to support various state programs that are later repaid through issuance of bonds.

CalHFA also suspended a program that helps teachers and school employees buy homes and local governments and non-profit housing groups provide mortgages to qualified borrowers.

 

加州政府亦有一個優惠貸款計劃,是特別為教師而設的,可到以下網站閱讀﹕http://www.calstrs.com/Members/Home%20Loan%20Program/index.aspx  

 

聯邦政府優惠

 

聯邦政府提供一項首次購屋優惠計劃,稱為「房屋貸款抵稅證書計劃」,全名是Mortgage Credit Certificate,簡稱為MCC。此項優惠計劃,令借貸人將每年貸款利息的一部份,在報聯邦稅時作為一個抵稅額(Tax Credit),去減低聯邦入息稅,抵稅金額通常是利息的百分之十五。參加該項計劃者,家庭收入是不能超過某個金額,所購買的房屋也不能超過某個市值,應向貸款代理查詢詳情。

 

布殊總統曾在幾年前簽署「美國夢頭款法案」,規定每年提供二億元頭款資助,幫助起碼六萬個低收入首次買屋家庭,做法是提供一萬元或房價百分之六首期貸款,並降低過戶手續費用七百元。有興趣的讀者,應該到以下網頁查閱http://www.hud.gov/offices/cpd/affordablehousing/programs/home/addi/index.cfm

 

聯邦貸款機構Federal Home Loan Bank (FHLB)有一個優惠計劃,稱為HOMEOWNERSHIP OPPORTUNITIES PROGRAM 或簡稱為HOP,可為首次買屋者提供優惠貸款,詳情可參閱以下網站﹕http://www.fhlbi.com/housing/hopprog.asp  

 

最新優惠(2008年八月)

 

布殊總統最近簽署的「房屋救援」法案中,有一個為首次買屋者而設的稅務優惠,就是給予最高$7,500抵稅金額(Tax Credit),但這個優惠其實有一條「尾巴」,就是納稅人將來要將該稅務優惠歸還政府。

 

            首先,「首次買屋」的定義,是在過去三年內沒有擁有自住房屋,即是擁有出租房屋也有資格。買屋時間方面,是要在零八年四月九日至零九年六月三十日期間。抵稅優惠是屋價的10%,但不超過$7,500抵稅額。這個抵稅金額是所謂Refundable的,即假如聯邦收入稅款減至零,亦可從國稅局手中得到退稅。但納稅人有收入限額,單身者收入要在七萬五千元以下,才可以得到全部抵稅金額;已婚共同報稅者,收入限額是十五萬元。

 

            這個抵稅優惠最特別的地方,是納稅人將來要分15年歸還,做法是納稅人每年要在以後15年的報稅表上,將抵稅金額的15份之一加在稅金上;假如在這15年內出售房屋,或該物業不再是納稅人的主要住宅,便要馬上在當年將未歸還的抵稅金額全數加入當年稅金內。

 

            有資格獲得優惠者可在零八年報稅表內申領,需填寫5405表格,即使在今年購屋者也可以在08年報稅表內申領。