MOHCD 貸款計劃

申請 MOHCD 貸款

若要申請 MOHCD (Mayor’s Office of Housing and Community Development) 貸款計劃，您必須完成購房者講座並取得抵押貸款預批信，而該抵押貸款預批信應由 MOHCD 核准貸方核發。每個計劃都設有不同的收入要求。參加我們提供的貸款計劃時，您將與您的貸方密切合作。

一旦取得核准，則需支付您 MOHCD 貸款的處理服務費用。請參閱計劃服務費用。

貸款金額需視以下情況而定：

您的財務需求
每個計劃的可用餘額

請參閱目前的貸款計劃補助金餘額。

資源

適用於首次購房者的首期貸款資助計劃 (Downpayment Assistance Loan Program, DALP)

Downpayment Assistance Loan Program (DALP)

This program provides a downpayment loan up to $500,000 to bid on a property on the open market.

City Second Loan Program (CSLP)

City Second loans are available to City Second listing applicants on a first-come first-served basis.

Teacher Next Door Program (TND)

This program provides downpayment loans to SFUSD educators only.

Below Market Rate Downpayment Assistance Loan Program (BMR-DALP)

This program provides for downpayment loans as needed for a homebuyer purchasing a mixed-income unit.

抵押貸款稅收抵免

Mortgage Credit Certificate (MCC)

The MCC helps homebuyers qualify for a mortgage loan and reduce their effective mortgage interest rate.

為目前的貸款進行再融資

General refinancing & subordination

Refinancing and subordination for eligible City loans or Below Market Rate (BMR) liens.

Reissue Mortgage Credit Certificate (RMCC)

The RMCC is for current homeowners with a MCC to get a new MCC with a tax rate the same as the original.

適用於首次購房者的首期付款協助

首期付款援助貸款計劃 (Downpayment Assistance Loan Program, DALP) 摘要

提供最多 $500,000 的首期付款，以針對公開市場上的住房出價。
- 不需要付款的無息第二貸款，為期到您售出或轉讓住房單位
您可以依照市價重新出售您的住房單位
透過每年抽籤的方式，為申請人指派排名順序
- MOHCD (Mayor’s Office of Housing and Community Development) 將依照抽籤排名順序處理申請
- 另有針對急救人員和 SFUSD (San Francisco Unified School District) 教育者提供其他 DALP 補助金

詳情請參閱申請 DALP。

市府第二貸款計劃 (City Second Loan Program, CSLP) 摘要

提供最多 $500,000 的首期付款，以針對同時在公開市場上刊登廣告的一系列住房出價
- 不收取利息、無延期付款，而且沒有提前清償罰款
- 位居抵押貸款之後的第二順位
您可以依照市價重新出售住房單位，但市政府可選擇自市府第二貸款計劃 (City Second Loan Program, CSLP) 中挑選符合優先出價的買家
貸款對象為市府第二貸款計劃房源申請者，並依申請先後順序發放

請參閱市府第二貸款計劃購房者，以了解相關資訊。