社評0903 美國銀行幫忙非裔購房零首付

美國銀行幫忙非裔購房零首付

為了幫忙非裔及拉丁裔家庭買房，美国銀行今天宣佈將給予他們零首付貸款以消除對少數族裔無力買房之窘境。

美國銀行表示這項優惠政策將在達拉斯、邁阿米、洛杉磯、底特律等城市實施，申請者將不計較他們的信用分數，但要求他們曾經付過房租、汽車保險及水電費。

許多非裔及拉丁裔因為沒有充夠之存款支付首款，因而無法買屋，根據統計，每十個白人有七人擁有自己之住宅，但非裔及拉丁裔每十人只有五人擁有自宅。

老實說，在某些城市如洛杉磯要買房除了首付款之外，價格實在高得離譜，許多人是無法負擔，即便不要支付頭款。

今天，我們的問題還是在於経濟結構造成貧富懸殊太大，许多勞工階級對擁有自己之住房真是只可望而不可及，他們實在非常難圓自己的美國夢。

我們還是建議政府多蓋一些平民住宅，在政府之幫忙下，才可能給貧困者寄居之地。

聯邦政府動則以數十億援助外國，我們希望先給予國人更多之協助，才是政府之責任。

Bank Of America Launches Zero-Down Mortgage

Bank of America announced that Black and Hispanic home buyers can get a mortgage without a down payment or closing costs under the new program the company is offering in five cities.

The cities include Dallas, Charlotte, Detroit, Los Angeles and Miami. The bank said the applicants will not have their credit score taken into account, but they will need to show that they have paid their rent, phone and auto insurance payments on time.

This program is intended to help Black and Hispanic families own a home and start building wealth. Those people typically don’t have enough savings to put down the down payment and closing costs.

According to a survey, about 7 in 10 white households own homes, while only 4 in 10 Black and 5 in 10 Hispanic own their homes.

As a matter of fact, in a city such as Los Angeles, the price of buying a house is ridiculously high and many people just can’t afford it, even if you don’t need to have a down payment.

Today our problem is still the fact that the economic structure causes too much disparity between the rich and the poor. Many working class families can’t afford to own a home and it is really hard for them to reach the American dream.

We still suggest that the government needs to build more housing projects to give the poor a place to live.

Our government gives away billions of dollars to foreign countries. We need to look after our own people first.