Mortgage Credit Certificate (MCC) Program

Mortgage Credit Certificate (MCC) Program هو شهادة ائتمان الرهن العقاري لمشتري المنازل في Hawaii، وتديره Hawaii Housing Finance & Development Corporation (HHFDC). The Mortgage Credit Certificate (MCC) Program provides eligible first-time homebuyers a non-refundable federal income tax credit equal to 20% of the annual mortgage interest paid, with the remaining 80% still deductible as an itemized deduction. The credit is a dollar-for-dollar reduction of federal tax liability and lasts the life of the loan as long as the home remains the principal residence; unused credit can be carried forward up to three years. 20% of annual mortgage interest as a direct federal tax credit. Remaining 80% still deductible. Increases mortgage qualifying income. Effective payment reduction. Credit lasts life of loan. Unused credit carries forward up to 3 years. يأتي التمويل من Federal mortgage credit certificate authority (converted from private-activity bond volume cap); MCC allocation calculated as 20% of indebtedness.

Mortgage Credit Certificate (MCC) Program إعفاء ضريبي وليس قرضًا، لذا لا يوجد ما يُسدَّد. يُستحق السداد عند Credit is automatically revoked if the home ceases to be the holder's principal residence; certificate must be returned on sale. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Mortgage Credit Certificate (MCC) Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: May not have had an ownership interest in a principal residence in the prior 3 years; this requirement does not apply to homes in targeted areas. بشأن الائتمان، ينص البرنامج على: Set by the participating mortgage lender; not established by the MCC program. MCC cannot be combined with Hula Mae / qualified mortgage bond loans. Buyer files a revised W-4 to capture the benefit through reduced withholding. STATUS CAVEAT: the program brochure and the on-site 'funds available' counter were last updated in 2024 (uncommitted funds $670,211 / estimated available $379,811 as of 4/15/2024); the HHFDC homebuyer page still lists MCC as a current program with an active participating-lender list, but applicants should confirm current MCC funding availability with a participating lender before relying on it.

يحدد Mortgage Credit Certificate (MCC) Program دخل الأسرة بما لا يتجاوز $161,697. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع Mortgage Credit Certificate (MCC) Program حدًا أقصى لسعر الشراء قدره $785,429. تشمل أنواع العقارات المؤهلة Single Family، Condo وTownhouse. المنازل حديثة البناء مؤهلة.

يخدم Mortgage Credit Certificate (MCC) Program مشتري المنازل الذين يشترون في أي مكان في Hawaii. يستهدف البرنامج مناطق محددة: Targeted-area census tracts waive the first-time-homebuyer (3-year) requirement and carry higher income and purchase price limits; see a participating lender for the list.

تُقدَّم طلبات Mortgage Credit Certificate (MCC) Program عبر Hawaii Housing Finance & Development Corporation (HHFDC)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر MCC Conditional Commitment issued through a participating lender at mortgage application. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.