长滩市后院建房贷款11月1日开放申请：最高25万美元、利率2%、还款递延至售房时
位于加州洛杉矶县的长滩市（Long Beach）宣布，「后院建造者」（Backyard Builders）附属住宅（ADU）贷款第二轮于 11 月 1 日开放申请，至 11 月 30 日截止。符合收入条件的自住屋主可在自家地块上融资、设计、办证并建造一间附属住宅，申请通过市府项目网页提交。
贷款条件是：最高 25 万美元（若建房成本更低则以成本为准），固定利率 2%，期限 30 年，还款递延至贷款期满或房产出售、转让时才需偿还——也就是说，建房与出租期间不用逐月还本金。本轮资金来自加州住房与社区发展厅（HCD）CalHome 计划 480 万美元的拨款，收款方为市属非营利机构长滩社区投资公司（LBCIC），贷款也由其经办。本轮预计至少资助 16 套 ADU，多于 2024 年试点首轮的 10 套；项目还免费提供项目管理协助，陪屋主走完设计、许可、施工与出租全流程。
申请资格要点：申请人须拥有并自住位于指定项目区域内的独栋住宅，并符合州政府的低收入定义；2026 年收入上限为单人家庭 93,300 美元、七人家庭 165,250 美元。若合格申请人数超过可贷名额，将以抽签决定。
市府安排了多场说明会：11 月 5 日（周三）线上 Zoom 说明会、11 月 14 日（周六）在 Cesar Chavez 公园的现场说明会；10 月 27 日已在 Michelle Obama 社区图书馆办过一场。市府提醒有意申请的屋主尽早备齐材料，并先参加说明会了解细则。
Long Beach Opens Backyard Builders ADU Loan Applications November 1: Up to $250,000 at 2%, Payments Deferred
The City of Long Beach, in California's Los Angeles County, has announced that the second round of its Backyard Builders accessory dwelling unit (ADU) loan program opens for applications on November 1 and closes November 30. Income-qualified owner-occupants can finance, design, permit and build an ADU on their own lot, applying through the city's program webpage.
The loan terms: up to $250,000 (or the cost of the ADU, if less), at a fixed 2% interest rate over 30 years, with payments deferred until the end of the term or until the property is sold or transferred — no monthly payments during construction or the rental period. This round is funded by a $4.8 million CalHome award from the California Department of Housing and Community Development (HCD) to the Long Beach Community Investment Company (LBCIC), the city's nonprofit arm, which also administers the loans. The round will finance at least 16 ADUs, up from 10 in the 2024 pilot, and includes free project management assistance through design, permitting, construction and lease-up.
Key eligibility points: applicants must own and occupy a single-family home in the designated program area and meet the state's low-income definition; the 2026 limits are $93,300 for a one-person household and up to $165,250 for a household of seven. If qualified applications exceed available loans, recipients will be chosen by lottery.
The city has scheduled information sessions on November 5 (online, via Zoom) and November 14 (in person at Cesar Chavez Park); an earlier session was held October 27 at the Michelle Obama Neighborhood Library. Homeowners are urged to prepare documents early and attend a session before applying.
来源：GSM·美国（原文链接）
图片来源：图：后院附属住宅示例——由车库改建的后院小屋（资料图）。图片：经 Wikimedia Commons。 / An accessory dwelling unit converted from a garage (file photo). Via Wikimedia Commons.
