{"id":180,"date":"2016-10-24T21:13:36","date_gmt":"2016-10-24T11:13:36","guid":{"rendered":"https:\/\/www.clt-associates.com.au\/wordpress\/?page_id=180"},"modified":"2017-02-13T12:01:55","modified_gmt":"2017-02-13T02:01:55","slug":"individuals","status":"publish","type":"page","link":"https:\/\/clt-associates.com.au\/index.php\/individuals\/","title":{"rendered":"Households"},"content":{"rendered":"<h4><strong>Why do Prospective Homeowners want to purchase a CLT home?<br \/>\n<\/strong><\/h4>\n<ul>\n<li>No downpayment, which allows moderate income households to become homeowners.<\/li>\n<li>Significantly reduced mortgage cost; at least 20%.<\/li>\n<li>Residents build equity by paying down the mortgage and receiving a portion of any capital gains.<\/li>\n<li>Security of home ownership.<\/li>\n<li>&#8220;Pay it forward&#8221; to next owner, passing on the benefit.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-220\" src=\"https:\/\/www.clt-associates.com.au\/wp-content\/uploads\/2016\/10\/AMI-CHT-300x82.png\" alt=\"subsequent homeowners will benefit from CLTs\" width=\"651\" height=\"178\" srcset=\"https:\/\/clt-associates.com.au\/wp-content\/uploads\/2016\/10\/AMI-CHT-300x82.png 300w, https:\/\/clt-associates.com.au\/wp-content\/uploads\/2016\/10\/AMI-CHT-768x209.png 768w, https:\/\/clt-associates.com.au\/wp-content\/uploads\/2016\/10\/AMI-CHT-1024x278.png 1024w\" sizes=\"auto, (max-width: 651px) 100vw, 651px\" \/><\/p>\n<p style=\"text-align: center;\">AMI=Area Median Income<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-205\" src=\"https:\/\/www.clt-associates.com.au\/wp-content\/uploads\/2016\/10\/proceeds-300x80.png\" alt=\"benefits for CLT homeowners\" width=\"643\" height=\"172\" srcset=\"https:\/\/clt-associates.com.au\/wp-content\/uploads\/2016\/10\/proceeds-300x80.png 300w, https:\/\/clt-associates.com.au\/wp-content\/uploads\/2016\/10\/proceeds-768x206.png 768w, https:\/\/clt-associates.com.au\/wp-content\/uploads\/2016\/10\/proceeds-1024x274.png 1024w, https:\/\/clt-associates.com.au\/wp-content\/uploads\/2016\/10\/proceeds.png 1560w\" sizes=\"auto, (max-width: 643px) 100vw, 643px\" \/><\/p>\n<p>Source: Davis &amp; Stokes, Lands in Trust, Homes That Last, 2011<\/p>\n<p>The Australian dream of homeownership provides people the ability to build savings and equity that rentals can never do.\u00a0 Moderate income households are currently priced out of the house or even unit market in many cities.\u00a0 The increase in housing prices has far outpaced the gains in wages and income for many years.\u00a0 CLTs provide an opportunity for people of modest means to attain home ownership, through a shared-equity arrangement with a not-for-profit Community Land Trust.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Why do Prospective Homeowners want to purchase a CLT home? No downpayment, which allows moderate income households to become homeowners. Significantly reduced mortgage cost; at least 20%. Residents build equity &hellip; <a href=\"https:\/\/clt-associates.com.au\/index.php\/individuals\/\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">Households<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"full-width-page.php","meta":{"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":[],"_tribe_ticket_has_attendee_info_fields":false,"footnotes":""},"class_list":["post-180","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Homeowners Benefit From Buying Community Land Trust Homes<\/title>\n<meta name=\"description\" content=\"Homeowners understand the secure feeling that you get when you are living in your own home. 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