Housing Counseling – Philadelphia Chinatown Development Corporation

Housing Counseling

(住房咨询)

Our Homebuyer Program consist of one-on-one counseling session and Homebuyer Education Workshop. After the completion of both counseling session and education workshop, you will receive a Homeownership Eduction Certificate. Our Homebuyer Workshop covers key topics for Budgeting, Credit, Saving, Benefits and responsibilities of being a homeowner, Fair Housing & Predatory Lending. Classes are offer monthly on the 3rd Thursday of the month. We offer both online and in-person options, and in Chinese or English.

(我们的购房者计划包括一对一咨询和购房者教育讲习班。在完成咨询课程和教育讲习班后，您将收到一份《购房教育证书》。我们的购房者讲习班涵盖了预算、信贷、储蓄、成为房主的好处和责任、公平住房和掠夺性贷款等关键主题。每月第三个星期四开课。我们提供在线和面授两种方式，中文或英文授课)

The U.S. Department of Housing and Urban Development (HUD) provides support to a nationwide network of Housing Counseling Agencies (HCA) and counselors. HUD’s Housing Counseling program provides counsling to consumers on seeking, financing, maintaing, renting, or owning a home. The program also addresses homelessness through counseling and assists homeowners in need of foreclosure assistance. Counseling is provided by HUD-approved housing and counseling agencies.

(美国住房和城市发展部 (HUD) 为全国范围内的住房咨询机构 (HCA) 和顾问网络提供支持。住房和城市发展部的住房咨询计划为消费者提供有关寻找、融资、维护、租赁或拥有住房方面的咨询。该计划还通过咨询解决无家可归者的问题，并为需要取消抵押品赎回权援助的房主提供帮助。咨询由住房和城市发展部批准的住房和咨询机构提供.)

For schedule and sign up, visit: https://bit.ly/PCDC-HBESignUp or click the button above

(有关日程安排和报名信息，请访问：https://bit.l y/PCDC-HBESignUp 或点击上面的按钮)

Our one-on-one counseling session consists:

(我们的一对一辅导课程包括)

To schedule one-on-one counseling, you must first submit the following documents:

(要安排一对一咨询，您必须首先提交以下文件)

evaluating mortgagor readiness; (评估抵押人的准备情况)

fair housing and lending; (公平住房和贷款)

credit report analysis; (信用报告分析)
budgeting for mortgage payments; (为按揭付款编制预算)

improving money management skills; (提高理财技能)

selecting a real estate agent and home inspection; (选择房地产经纪人和房屋检)

how to apply for special programs available to potential homebuyers; (如何申请为潜在购房者提供的特别计划)

how to identify and avoid predatory lending practices; (如何识别和避免掠夺性贷款行为)

locating resources for downpayment and closing cost assistance. (寻找首付和过户费用补助资源)

Signed Authorization, Disclosure, & Privacy Statement Form; (已签名的授权、披露和隐私声明表)

Photo ID; (带照片的身份证件)

Social Security Card; (社会保障卡)

Pay stubs for the past 30 days ; (过去 30 天的工资单)

Checking and Savings bank account statements forthe past 2 months; (过去 2 个月的支票和储蓄账户对账单)

Federal income tax returns for the past 2 years, along with W2s for the past 2 years (过去 2 年的联邦所得税申报表，以及过去 2 年的 W2 表)

Monthly statements for utlities and other expenses (electric, Gas, water, phone, internet, etc.) (水电费和其他费用月结单（电费、煤气费、水费、电话费、网费等)

Resource Corner

(资源)

Resource for Homebuyers

(购房者资源)

$15000 NeighborhoodLIFT downpayment assistance

Other homebuyer grants/credit offered by bank/lenders, nonprofits, and government agencies.

Resource for Homeowners

(业主资源)

Philadelphia Homestead Exemption Program

Property Tax Rebate Program (PA 1000)

PHDC’s Basic System Repair Program (BSRP)

Adaptive Modificaiton Program

ECA Weatherization Program

Resource for Renters

(租房者资源)

Rent Debate Program