住房与城市发展部放宽「建造出租」社区融资：可申请联邦住房管理局两项多户住宅保险计划
美国住房与城市发展部（HUD）10月14日宣布，联邦住房管理局（FHA）更新政策，允许「建造出租」（Build to Rent）社区申请 FHA 担保融资，所涉为两项多户住宅抵押保险计划。新政策即时生效，HUD 表示此举旨在便利新建租赁住房的融资、增加租赁房源供应。
「建造出租」社区是由独栋住宅、双拼或三拼住宅组成的多户租赁物业，既包括现场建造的房屋，也包括预制住房。按新政策，这类物业将与传统多户租赁开发项目适用相同条款，须满足 HUD 当日发布的承保机构函所列具体要求。政策适用于第221(d)(4）条新建计划，以及用于收购或再融资近期建成租赁社区的第223(f）条计划。
HUD 部长 Scott Turner 表示，美国需要更多负担得起的住房，取消过时限制旨在刺激开发、扩大租赁选择。负责 FHA 与住房办公室的 Joe Gormley 表示，扩大包括新建租赁住房在内的住房供应对改善负担能力至关重要，并提到 HUD 在预制住房计划中取消底盘要求等配套举措。
HUD Opens FHA Financing to Build to Rent Communities Under Two Multifamily Mortgage Insurance Programs
The U.S. Department of Housing and Urban Development (HUD) announced on October 14 that the Federal Housing Administration (FHA) is updating its policy to allow Build to Rent communities to qualify for FHA-insured financing under two of its multifamily mortgage insurance programs. The update took effect immediately, and HUD said it makes it easier to finance new rental homes and helps increase the supply of rental housing.
Build to Rent communities are multifamily rental properties consisting of single-family homes, duplexes or triplexes, including both site-built and manufactured homes. Under the new policy they will be treated on the same terms and conditions as traditional multifamily rental developments, subject to the requirements in HUD's Mortgagee Letter. The policy applies to the Section 221(d)(4) program for new construction and the Section 223(f) program for acquisition or refinancing of recently developed rental communities.
Secretary Scott Turner said America needs more affordable housing and that eliminating barriers would spur development, expand rental options and improve affordability. Joe Gormley, who oversees the FHA and the Office of Housing, said expanding housing supply, including new rental housing, is essential to improving affordability, and cited HUD initiatives including chassis removal in its manufactured housing programs.
发布：GSM·美国（发布链接）
图片来源：图：郊区独栋住宅社区航拍。照片：IDuke 摄，CC BY-SA 2.5，经 Wikimedia Commons。 / Aerial view of a suburban single-family housing community. Photo by IDuke, CC BY-SA 2.5, via Wikimedia Commons.
GSM Global · 本篇英文版 English edition of this story
- 2026-10-14 03:43住房与城市发展部放宽「建后出租」融资：FHA两项按揭保险计划即日起同等对待出租型社区
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