什么人符合资格

加州房贷救济计划要求房主必须符合下列标准。

  • Household income of all household members over the age of 18 is at or below 150% of the Area Median Income. 地区收入中位数计算器
  • 目前必须在加州拥有并占住该房产作为主要住所。
  • 只能拥有和占住一处房产。
  • 必须证明在 2020 年 1 月 21 日之后经历了合格的经济困难。证明必须描述经济困难的性质。 p.
  • For mortgage relief, homeowner must be at least two payments past-due by June 30, 2022. For property tax assistance, homeowner must be at least one payment past due by May 31, 2022.  
  • For mortgage relief, past-due amount must be $80,000 or less at the time of application submission. 
  • Approved applicants will receive a one-time grant only. Once a household/property is funded, it is no longer eligible for additional assistance from the program. 
  • 主要房贷的原有未付本金余额在发起时不能超过发起时有效的“符合贷款限额”(按 2008 年《住房和经济复苏法案》的规定确定)。要查找符合贷款限额的数据 请点击此处。.
  • 房主手头的现金或资产(不包括退休账户中的储蓄)不能等于或大于所需救济资金 + 20,000 美元。(例如,如果房主需要 30,000 美元才能偿还房贷,拥有 50,000 美元或更多资产就没有资格。)
  • For mortgage relief, homeowner’s mortgage servicer must be participating in the California Mortgage Relief Program. A list of participating mortgage servicers can be found 这里.

加州房贷救济计划如何运作?

Process
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