住房与城市发展部（HUD）扩大 FHA 抵押保险至「建租」社区：独栋出租社区可按多户项目投保
华盛顿——美国住房与城市发展部（HUD）宣布，联邦住房管理局（FHA）多户抵押保险计划的适用范围将扩大到「建租」（build-to-rent）社区，符合条件的独栋出租社区今后可按多户住宅项目申请 FHA 抵押保险。美国住宅建筑商协会（NAHB）10 月 21 日通报了这一新规，金融业刊物《Inside Mortgage Finance》10 月 23 日跟进报道。
按原有规则，FHA 多户抵押保险主要覆盖一栋建筑内有四户以上住宅的项目；近年兴起的「建租」社区多为独栋或联排布局、整片出租，因结构不符合传统多户定义，一直难以进入该保险计划。新规明确：位于同一连片地块、户数在五户以上，并按多户物业标准进行专业管理的建租社区，可以按多户项目投保。
新规同时要求，这类社区须满足与多户住宅相同的《公平住房法》无障碍标准。HUD 表示，扩大保险覆盖旨在降低建租项目的融资门槛，鼓励开发商增加出租房源供给。
HUD 部长 Scott Turner 表示：「美国需要更多可负担的住房。」他说，联邦政府正通过减少融资障碍，支持各地新增住房供给。
来源：GSM·美国
HUD Expands FHA Mortgage Insurance to Build-to-Rent Communities: Single-Family Rental Developments Can Qualify as Multifamily
WASHINGTON — The U.S. Department of Housing and Urban Development (HUD) has announced that the Federal Housing Administration (FHA) multifamily mortgage insurance program will be expanded to build-to-rent communities, allowing qualifying single-family rental developments to be insured as multifamily projects. The National Association of Home Builders (NAHB) reported the new policy on October 21, and Inside Mortgage Finance followed up on October 23.
Under the previous rules, FHA multifamily insurance largely covered buildings with four or more units under one roof. Build-to-rent communities, which have grown rapidly in recent years, are typically built as single-family or townhome layouts rented as one professionally managed property, and their structure kept them outside the traditional multifamily definition. Under the new policy, a build-to-rent community with five or more homes on a single contiguous site, professionally managed to multifamily standards, can be insured as a multifamily project.
The communities must also meet the same Fair Housing Act accessibility standards that apply to multifamily housing. HUD said expanding insurance coverage is intended to lower financing barriers for build-to-rent projects and encourage developers to add more rental housing supply.
"America needs more affordable housing," HUD Secretary Scott Turner said, adding that the federal government is working to support new supply by reducing financing obstacles.
Source: GSM·America
来源：GSM·美国（原文链接）
图片来源：图：美国住房与城市发展部（HUD）总部 Robert C. Weaver 联邦大楼。图片来源：Wikimedia Commons（美国住房与城市发展部供图，公共领域）。 / Photo: The Robert C. Weaver Federal Building, headquarters of the U.S. Department of Housing and Urban Development, via Wikimedia Commons (HUD photo, public domain).
