Mortgage Credit Certificate (MCC) Program

Mortgage Credit Certificate (MCC) Program هو شهادة ائتمان الرهن العقاري لمشتري المنازل في Mississippi، وتديره Mississippi Home Corporation. MHC's Mortgage Credit Certificate (MCC) Program, authorized under Section 25 of the Internal Revenue Code, entitles qualifying first-time homebuyers to a federal income tax credit equal to a fixed percentage of the mortgage interest paid each year on their principal residence. MHC began accepting MCC applications on March 21, 2024. Annual federal income tax credit calculated as a percentage of mortgage interest paid; dollar-for-dollar reduction of federal tax liability for the life of the original mortgage while the home remains the primary residence. يأتي التمويل من Authorized in lieu of qualified mortgage (private activity) bonds under IRC Section 25.

Mortgage Credit Certificate (MCC) Program إعفاء ضريبي وليس قرضًا، لذا لا يوجد ما يُسدَّد. 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: Three-year no-prior-ownership rule is waived if the residence is located in a designated Target Area. MCC cannot be issued in conjunction with the assumption, replacement, or refinancing of an existing mortgage (may replace construction/bridge financing of 24 months or less). Certificate holder must use the residence as principal residence within 60 days. A manufactured home qualifies only if it has at least 400 sq ft of living space, minimum width over 102 inches, and a fixed location. Reserved through a participating lender prior to closing.

يضع Mortgage Credit Certificate (MCC) Program حدًا أقصى لسعر الشراء قدره $332,000. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم Mortgage Credit Certificate (MCC) Program مشتري المنازل الذين يشترون في أي مكان في Mississippi. يستهدف البرنامج مناطق محددة: Target Areas are specified counties or portions of counties designated by the federal government; the first-time homebuyer requirement is waived in these areas.

تُقدَّم طلبات Mortgage Credit Certificate (MCC) Program عبر Mississippi Home Corporation، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.