{
  "legislationId": "119_HR_8127",
  "lastUpdate": "2026-04-23T11:24:51.121Z",
  "history": [
    {
      "timestamp": "2026-04-23T11:24:51.121Z",
      "source_url": "https://www.congress.gov/119/bills/hr8127/BILLS-119hr8127ih.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8127 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8127 To promote shared equity models of homeownership, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 26, 2026 Ms. Schrier introduced the following bill; which was referred to the Committee on Financial Services, and in addition to the Committee on Oversight and Government Reform, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned _______________________________________________________________________ A BILL To promote shared equity models of homeownership, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Permanent Housing Affordability Act''. SEC. 2. DEFINITIONS. In this Act: (1) Community development financial institution.--The term ``community development financial institution'' has the meaning given the term in section 103 of the Community Development Banking and Financial Institutions Act of 1994 (12 U.S.C. 4702). (2) Community land trust.--The term ``community land trust'' means a nonprofit entity, a State, a unit of local government, or an instrumentality of a State or unit of local government-- (A) that is not managed by, or an affiliate of, a for-profit organization; (B) the primary purpose of which is acquiring, developing, or holding land to provide housing that is permanently affordable to low- and moderate-income persons; (C) that monitors properties to ensure affordability is preserved; (D) that provides housing that is permanently affordable to low- and moderate-income persons using a ground lease, deed covenant, or other similar legally enforceable measure, determined acceptable by the Secretary, that-- (i) keeps the housing affordable to low- and moderate-income persons for not less than-- (I) 99 years; or (II) the greatest minimum affordability period permitted by applicable State law, if that law restricts minimum affordability periods to a number of years that is less than 99; and (ii) enables low- and moderate-income persons to rent or purchase the housing for homeownership; and (E) that maintains preemptive purchase options to purchase the property, if such purchase would allow the housing to remain affordable to low- and moderate- income persons. (3) Eligible entity.--The term ``eligible entity'' means a unit of local government, an instrumentality of a State or unit of local government, or a nonprofit organization, including a community land trust, that manages a shared equity homeownership model program. (4) Eligible grantee.--The term ``eligible grantee'' means-- (A) any agency of a State; (B) any authority chartered by a State to help meet affordable housing needs of the residents of the State; and (C) a community development financial institution that is certified by the Secretary of the Treasury. (5) Qualified homebuyer.--The term ``qualified homebuyer'' means a homebuyer with a household income that is not more than 120 percent of the area median income. (6) Resale formula.--The term ``resale formula'' means a permissible method of determining fair return and resale price under section 92.254(a)(5)(i)(A) of title 24, Code of Federal Regulations, as in effect on March 28, 2025. (7) Shared equity homeownership model.--The term ``shared equity homeownership model'' means a model of resale- restricted, owner-occupied housing the primary purpose of which is to create and preserve a supply of owner-occupied units affordable to low- and moderate-income households that-- (A) carry terms of affordability that are not less than-- (i) 99 years; or (ii) the greatest minimum affordability period permitted by applicable State law, if that law restricts minimum affordability periods to a number of years that is less than 99; and (B) restrict the resale value of properties in the program according to a resale formula described in a ground lease, deed restriction, or similar legal mechanism. SEC. 3. LASTING HOME AFFORDABILITY FUND. (a) In General.--Not later than 90 days after the date of enactment of this Act, the Secretary of the Treasury (in this section referred to as the ``Secretary'') shall establish a program to provide grants to eligible grantees to use for the purpose of providing low-interest construction loans to eligible entities. (b) Application by Eligible Grantees.--To be eligible to receive amounts under this section, an eligible grantee shall submit an application at such time and in such manner as the Secretary may reasonably require, including a detailed description of-- (1) how the eligible grantee intends to use any amounts provided under this section; and (2) the qualifications such eligible grantee has that will allow such eligible grantee to successfully administer a grant under this section. (c) Use of Amounts by Eligible Grantees.-- (1) In general.--Any eligible grantee that receives amounts under this section shall use such amounts and related proceeds to establish a revolving fund and provide low-interest construction loans to 1 or more eligible entities, which amounts may be awarded to eligible entities on a rolling basis. (2) Loan requirements.-- (A) In general.--Loans provided by an eligible grantee to an eligible entity using amounts provided under this section shall-- (i) have an interest rate of not more than 3 percent; and (ii) have an origination fee of not more than 1 percent of the amount of the loan. (B) Liquidity requirements.--An eligible grantee may not require, as a condition of receiving a loan under this section, that an eligible entity has more than 10 percent of the amount to be loaned in liquid assets at the time of the loan. (3) Limitation.--An eligible entity that receives amounts under this section may not be the same entity as the eligible grantee that provides those amounts. (4) Priority.--An eligible grantee shall prioritize loans to eligible entities that plan to use amounts loaned under this section to construct or rehabilitate properties-- (A) located in areas with high cost burden, as determined by the Secretary, individuals at risk of displacement due to rising housing costs, or redlining; or (B) that are required to be affordable as described in subsection (e) for terms that are more than 99 years. (d) Use of Amounts by Eligible Entities.--An eligible entity may use amounts loaned by an eligible grantee for costs associated with the construction or rehabilitation of housing intended to be sold to a homebuyer, a member of a limited equity cooperative, or a community land trust and used as a primary residence, including materials, labor (including contractor fees), land development (including demolition and grading), permit and developer fees, insurance costs, on-site infrastructure costs (including the installation of roads, water, electrical, sewer, storm drainage, and sidewalks), and predevelopment (including architectural costs and engineering costs). (e) Affordability Requirement.--An eligible entity that uses amounts loaned under this section to construct or rehabilitate a property-- (1) may only sell or facilitate the sale of such property to qualified homebuyers; and (2) shall ensure any subsequent sales are to qualified homebuyers at a below-market value that is determined by a resale formula described in a ground lease, deed restriction, or other similar mechanism. (f) Areas of Service.--The Secretary shall seek to provide grants to eligible grantees that will fund activities in geographically diverse areas, including areas of persistent poverty, underserved areas, and rural areas. (g) Rulemaking.--The Secretary may issue rules to carry out this section. (h) Reporting.-- (1) Grantee reports.--The Secretary shall require each grantee receiving grant amounts in any given year under this section to submit a report, for such year and each year that loans are made using grant funds, to the Secretary that includes-- (A) the number of qualifying loans made; (B) the organizations receiving loans; (C) the number of outstanding loans on September 30th of the report year; (D) the percentage of organizations belonging to each type of eligible grantee as described in subparagraphs (A) through (C) of section 2(4); (E) the projected number of units constructed or rehabilitated by each loan; (F) the average interest rate on qualifying loans; (G) the average origination fee on qualifying loans; (H) the median purchase price of the homes constructed or rehabilitated by each loan compared to the median market rate price in the area; (I) the ZIP Codes where the homes constructed or rehabilitated by each loan are located; (J) the area median income level of households assisted; (K) the percentage and number of loans made for the purpose of construction; (L) the percentage and number of loans made for the purpose of rehabilitation; (M) a description of any mechanism used to ensure permanent affordability by each grantee, such as ground leases, deed restrictions, covenants, or other mechanisms; (N) the resale formula used by each eligible entity that receives a loan from the grantee; and (O) where applicable, for each loan made, the percentage of total project cost expected to be covered by the loan. (2) Report to congress.--Not later than 90 days after the conclusion of each fiscal year in which assistance under this section is made available, the Secretary shall submit to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives a report on amounts provided under this section that contains, with aggregates, averages, and summaries, as appropriate, information provided by grantees under paragraph (1). (i) Authorization of Appropriations.--There is authorized to be appropriated to the Secretary $100,000,000 for fiscal year 2027 to carry out this section, to remain available until expended. SEC. 4. LASTING AFFORDABILITY HOMEOWNERSHIP GRANT PILOT PROGRAM. (a) In General.--The Secretary of Housing and Urban Development (in this section referred to as the ``Secretary'') shall establish a pilot program to provide grants to eligible entities. (b) Use of Amounts.--Each eligible entity that receives amounts under this section shall use such amounts to-- (1) purchase vacant land to develop housing and sell that housing to homebuyers or members of a limited equity cooperative; and (2) purchase existing properties or predeveloped land on which properties will be developed that will be sold to homebuyers or members of a limited equity cooperative. (c) Priority.--The Secretary shall prioritize the award of grants to eligible entities that will maintain affordability for the homes sold by the eligible entity for the longest term. (d) Requirements.-- (1) Vacant land.--In the case of vacant land purchased by an eligible entity under this section, the housing shall be built and marketed for sale not later than 3 years after the date of the purchase, which period may be extended at the discretion of the Secretary for extenuating circumstances, such as delays in the development process, provided that the Secretary makes public a list of localities where such extenuating circumstances are occurring. (2) Existing land or properties.--In the case of existing properties or predeveloped land purchased by an eligible entity under this section, the homes shall be ready for sale to homebuyers not later than 3 years after the date of the purchase, which period may be extended at the discretion of the Secretary for extenuating circumstances. (3) All properties.--Each home developed with amounts provided under this section shall be sold to households-- (A) with an income that is less than or equal to-- (i) 80 percent of the area median income; or (ii) 120 percent of the area median income, if the home is located in a rural area; (B) with ground leases, deed restrictions, covenants, or other mechanisms to ensure permanent affordability; and (C) according to a resale formula determined by the eligible entity. (e) Reporting.-- (1) Eligible entity reports.--Not later than 2 years after receiving a grant under this section, and biennially for 6 years thereafter, an eligible entity shall submit to the Secretary a streamlined report that includes-- (A) as applicable, the number of acres purchased; (B) as applicable, the number of units purchased; (C) as applicable, the number of buildings and units developed; (D) as applicable, the number of buildings and units renovated; (E) a description of the ground leases, deed restrictions, covenants, or other mechanisms used to ensure permanent affordability; (F) a description of the resale formula used; (G) the number of households served; (H) the average size of units; (I) the median purchase price; (J) to the extent possible, the average amount of the down payment paid by households; (K) the average tenure of residents; (L) to the extent possible, the average credit score of purchasers; (M) the average delinquency and foreclosure rate; and (N) the average annual resident fees. (2) Report to congress.--Not later than 90 days after the conclusion of each fiscal year in which assistance under this section is made available, the Secretary shall submit to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives a report on this section that contains, with aggregates, averages, and summaries, as appropriate, information provided by eligible entities under paragraph (1). (f) Authorization of Appropriations.-- (1) In general.--There is authorized to be appropriated to the Secretary $100,000,000 for each of fiscal years 2027 through 2031 to carry out this section. (2) Technical assistance.--Not more than 10 percent of amounts appropriated under paragraph (1) may be used to provide technical assistance to eligible entities that receive a grant under this section. SEC. 5. SHARED EQUITY HOUSING RESEARCH AND AWARENESS PROGRAMS. (a) Housing Research.-- (1) In general.--The Secretary of Housing and Urban Development (in this section referred to as the ``Secretary''), acting through the Office of Policy Development and Research, shall establish a program that conducts, supports, and disseminates research about best practices for community land trusts and other shared equity homeownership models, including best practices regarding ground leases, deed restrictions, or other legal mechanisms for preserving long-term affordability. (2) Awards.--For States, local governments, Tribal governments, and entities managing shared equity homeownership models, including nonprofit organizations, the Secretary shall provide funding to organizations representing nonprofit shared equity model interests to create or sustain shared equity homeownership models through technical assistance and capacity building. (3) Authorization of appropriations.--There is authorized to be appropriated to the Secretary such sums as may be necessary to carry out this subsection. (b) Public Awareness.-- (1) In general.--Not later than 1 year after the date of enactment of this Act, the Secretary shall conduct a public awareness campaign to educate the public and the financial sector about the benefits and responsibilities of shared equity homeownership models, including community land trusts, which may include-- (A) creating a web page to publicize shared equity homeownership models; (B) disseminating information to housing counseling agencies or other entities to provide information to potential homebuyers; (C) providing information to lenders about the shared equity homeownership model, including standard ground leases and appraisal guidance developed by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation; and (D) to the extent possible, work with States, local governments, Tribal governments, and entities managing shared equity homeownership models, including nonprofit organizations, to advance public awareness. (2) Authorization of appropriations.--There is authorized to be appropriated to the Secretary $3,000,000 for each of fiscal years 2027 through 2029 to carry out this subsection. (c) Outreach.-- (1) In general.--The Secretary, in consultation and coordination with other appropriate entities, including the Federal Housing Finance Agency, shall carry out an education and outreach campaign to inform and educate consumers, homebuilders, residential lenders, and other real estate professionals on the availability, benefits, and advantages of community land trusts and other shared equity homeownership models. (2) Authorization of appropriations.--There is authorized to be appropriated to the Secretary such sums as may be necessary to carry out this subsection. (d) Report.--Not later than 90 days after the conclusion of each fiscal year in which assistance under this section is made available, the Secretary shall submit to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives a report on the shared equity housing research and awareness programs described in this section that includes, for the period covered by the report-- (1) a description of public awareness and public outreach campaigns conducted by the Secretary; (2) a description of consultation and coordination efforts with the Federal Housing Finance Agency, including a description of Federal Housing Finance Agency activities to improve mortgage lender education and outreach that resulted from consultation and coordination efforts; (3) a description of the research conducted on best practices for community land trusts and other shared equity homeownership models; and (4) the number and location of entities that received technical assistance and capacity building on community land trusts and other shared equity homeownership models. SEC. 6. SURPLUS LAND. (a) In General.--Section 550 of title 40, United States Code, is amended-- (1) in subsection (a)-- (A) in the subsection heading, by striking ``Definition'' and inserting ``Definitions''; and (B) by striking ``section, the term'' and inserting ``section-- ``(1) the term `shared equity homeownership model' has the meaning given the term in section 2 of the Permanent Housing Affordability Act; and''; (2) in subsection (b)(2)(D), by inserting ``and for property transferred under subsection (i) to a community land trust or other shared equity homeownership model'' after ``families''; and (3) by adding at the end the following: ``(i) Property for Community Land Trust or Other Shared Equity Homeownership Model.-- ``(1) Conveyance.--The Administrator may convey to a community land trust or other shared equity homeownership model the right, title, and interest of the Government in and to any surplus real property that the Secretary of Housing and Urban Development determines is suitable for a community land trust or other shared equity homeownership model. ``(2) Deed of conveyance.--The deed of conveyance of any surplus real property disposed of under this subsection-- ``(A) shall provide that all of the property be used and maintained for purposes of a community land trust or other shared equity homeownership model in perpetuity, and that if the property ceases to be used or maintained in a community land trust or other shared equity homeownership model, all or any portion of the property shall, in its then existing condition, at the option of the Government, revert to the Government; and ``(B) may contain additional terms, reservations, restrictions, and conditions the Administrator determines are necessary to safeguard the interests of the Government. ``(3) Fixing value.-- ``(A) In general.--In fixing the sale or lease value of property disposed of under paragraph (2), the Secretary of Housing and Urban Development shall take into consideration and discount the value for any benefit which has accrued or may accrue to the Government from the use of the property by the community land trust or other shared equity homeownership model. ``(B) Amount of discount.--The amount of the discount under subparagraph (A) is 75 percent of the market value of the property, except that the Secretary of Housing and Urban Development may discount by a greater percentage if the Secretary, in consultation with the Administrator, determines that a higher percentage is justified.''. (b) Report.--Not later than 90 days after the conclusion of each fiscal year in which assistance under section 550(i) of title 40, United States Code, as added by subsection (a), is made available, the Secretary of Housing and Urban Development shall submit to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives a report on surplus land that includes-- (1) the number of surplus real properties conveyed by the Federal Government for the purpose of affordable housing, including such properties that were conveyed to a community land trust or other shared equity homeownership model; and (2) the average discounted value of real property conveyed by the Federal Government for the purpose of affordable housing, including such real property that was conveyed to a community land trust or other shared equity homeownership model. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Permanent Housing Affordability Act: Support for Low-Cost Homes and Land Trusts\nSummary: This act makes homeownership more accessible for low- and moderate-income families by supporting shared equity models and community land trusts. It provides low-interest loans and discounted federal land to ensure housing remains affordable for 99 years or more.\nKey Points: Low-interest construction loans with interest rates capped at 3%., Transfer of surplus federal land at a 75% discount for affordable housing projects., Requirement to keep homes affordable for qualified buyers for at least 99 years., Grant programs for nonprofits to purchase vacant land and renovate existing buildings., Public awareness campaigns to educate homebuyers and lenders about shared equity models.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": true,\n  \"issue\": \"none\"\n}"
    },
    {
      "timestamp": "2026-04-23T11:12:32.209Z",
      "source_url": "https://www.congress.gov/119/bills/hr8127/BILLS-119hr8127ih.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8127 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8127 To promote shared equity models of homeownership, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 26, 2026 Ms. Schrier introduced the following bill; which was referred to the Committee on Financial Services, and in addition to the Committee on Oversight and Government Reform, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned _______________________________________________________________________ A BILL To promote shared equity models of homeownership, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Permanent Housing Affordability Act''. SEC. 2. DEFINITIONS. In this Act: (1) Community development financial institution.--The term ``community development financial institution'' has the meaning given the term in section 103 of the Community Development Banking and Financial Institutions Act of 1994 (12 U.S.C. 4702). (2) Community land trust.--The term ``community land trust'' means a nonprofit entity, a State, a unit of local government, or an instrumentality of a State or unit of local government-- (A) that is not managed by, or an affiliate of, a for-profit organization; (B) the primary purpose of which is acquiring, developing, or holding land to provide housing that is permanently affordable to low- and moderate-income persons; (C) that monitors properties to ensure affordability is preserved; (D) that provides housing that is permanently affordable to low- and moderate-income persons using a ground lease, deed covenant, or other similar legally enforceable measure, determined acceptable by the Secretary, that-- (i) keeps the housing affordable to low- and moderate-income persons for not less than-- (I) 99 years; or (II) the greatest minimum affordability period permitted by applicable State law, if that law restricts minimum affordability periods to a number of years that is less than 99; and (ii) enables low- and moderate-income persons to rent or purchase the housing for homeownership; and (E) that maintains preemptive purchase options to purchase the property, if such purchase would allow the housing to remain affordable to low- and moderate- income persons. (3) Eligible entity.--The term ``eligible entity'' means a unit of local government, an instrumentality of a State or unit of local government, or a nonprofit organization, including a community land trust, that manages a shared equity homeownership model program. (4) Eligible grantee.--The term ``eligible grantee'' means-- (A) any agency of a State; (B) any authority chartered by a State to help meet affordable housing needs of the residents of the State; and (C) a community development financial institution that is certified by the Secretary of the Treasury. (5) Qualified homebuyer.--The term ``qualified homebuyer'' means a homebuyer with a household income that is not more than 120 percent of the area median income. (6) Resale formula.--The term ``resale formula'' means a permissible method of determining fair return and resale price under section 92.254(a)(5)(i)(A) of title 24, Code of Federal Regulations, as in effect on March 28, 2025. (7) Shared equity homeownership model.--The term ``shared equity homeownership model'' means a model of resale- restricted, owner-occupied housing the primary purpose of which is to create and preserve a supply of owner-occupied units affordable to low- and moderate-income households that-- (A) carry terms of affordability that are not less than-- (i) 99 years; or (ii) the greatest minimum affordability period permitted by applicable State law, if that law restricts minimum affordability periods to a number of years that is less than 99; and (B) restrict the resale value of properties in the program according to a resale formula described in a ground lease, deed restriction, or similar legal mechanism. SEC. 3. LASTING HOME AFFORDABILITY FUND. (a) In General.--Not later than 90 days after the date of enactment of this Act, the Secretary of the Treasury (in this section referred to as the ``Secretary'') shall establish a program to provide grants to eligible grantees to use for the purpose of providing low-interest construction loans to eligible entities. (b) Application by Eligible Grantees.--To be eligible to receive amounts under this section, an eligible grantee shall submit an application at such time and in such manner as the Secretary may reasonably require, including a detailed description of-- (1) how the eligible grantee intends to use any amounts provided under this section; and (2) the qualifications such eligible grantee has that will allow such eligible grantee to successfully administer a grant under this section. (c) Use of Amounts by Eligible Grantees.-- (1) In general.--Any eligible grantee that receives amounts under this section shall use such amounts and related proceeds to establish a revolving fund and provide low-interest construction loans to 1 or more eligible entities, which amounts may be awarded to eligible entities on a rolling basis. (2) Loan requirements.-- (A) In general.--Loans provided by an eligible grantee to an eligible entity using amounts provided under this section shall-- (i) have an interest rate of not more than 3 percent; and (ii) have an origination fee of not more than 1 percent of the amount of the loan. (B) Liquidity requirements.--An eligible grantee may not require, as a condition of receiving a loan under this section, that an eligible entity has more than 10 percent of the amount to be loaned in liquid assets at the time of the loan. (3) Limitation.--An eligible entity that receives amounts under this section may not be the same entity as the eligible grantee that provides those amounts. (4) Priority.--An eligible grantee shall prioritize loans to eligible entities that plan to use amounts loaned under this section to construct or rehabilitate properties-- (A) located in areas with high cost burden, as determined by the Secretary, individuals at risk of displacement due to rising housing costs, or redlining; or (B) that are required to be affordable as described in subsection (e) for terms that are more than 99 years. (d) Use of Amounts by Eligible Entities.--An eligible entity may use amounts loaned by an eligible grantee for costs associated with the construction or rehabilitation of housing intended to be sold to a homebuyer, a member of a limited equity cooperative, or a community land trust and used as a primary residence, including materials, labor (including contractor fees), land development (including demolition and grading), permit and developer fees, insurance costs, on-site infrastructure costs (including the installation of roads, water, electrical, sewer, storm drainage, and sidewalks), and predevelopment (including architectural costs and engineering costs). (e) Affordability Requirement.--An eligible entity that uses amounts loaned under this section to construct or rehabilitate a property-- (1) may only sell or facilitate the sale of such property to qualified homebuyers; and (2) shall ensure any subsequent sales are to qualified homebuyers at a below-market value that is determined by a resale formula described in a ground lease, deed restriction, or other similar mechanism. (f) Areas of Service.--The Secretary shall seek to provide grants to eligible grantees that will fund activities in geographically diverse areas, including areas of persistent poverty, underserved areas, and rural areas. (g) Rulemaking.--The Secretary may issue rules to carry out this section. (h) Reporting.-- (1) Grantee reports.--The Secretary shall require each grantee receiving grant amounts in any given year under this section to submit a report, for such year and each year that loans are made using grant funds, to the Secretary that includes-- (A) the number of qualifying loans made; (B) the organizations receiving loans; (C) the number of outstanding loans on September 30th of the report year; (D) the percentage of organizations belonging to each type of eligible grantee as described in subparagraphs (A) through (C) of section 2(4); (E) the projected number of units constructed or rehabilitated by each loan; (F) the average interest rate on qualifying loans; (G) the average origination fee on qualifying loans; (H) the median purchase price of the homes constructed or rehabilitated by each loan compared to the median market rate price in the area; (I) the ZIP Codes where the homes constructed or rehabilitated by each loan are located; (J) the area median income level of households assisted; (K) the percentage and number of loans made for the purpose of construction; (L) the percentage and number of loans made for the purpose of rehabilitation; (M) a description of any mechanism used to ensure permanent affordability by each grantee, such as ground leases, deed restrictions, covenants, or other mechanisms; (N) the resale formula used by each eligible entity that receives a loan from the grantee; and (O) where applicable, for each loan made, the percentage of total project cost expected to be covered by the loan. (2) Report to congress.--Not later than 90 days after the conclusion of each fiscal year in which assistance under this section is made available, the Secretary shall submit to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives a report on amounts provided under this section that contains, with aggregates, averages, and summaries, as appropriate, information provided by grantees under paragraph (1). (i) Authorization of Appropriations.--There is authorized to be appropriated to the Secretary $100,000,000 for fiscal year 2027 to carry out this section, to remain available until expended. SEC. 4. LASTING AFFORDABILITY HOMEOWNERSHIP GRANT PILOT PROGRAM. (a) In General.--The Secretary of Housing and Urban Development (in this section referred to as the ``Secretary'') shall establish a pilot program to provide grants to eligible entities. (b) Use of Amounts.--Each eligible entity that receives amounts under this section shall use such amounts to-- (1) purchase vacant land to develop housing and sell that housing to homebuyers or members of a limited equity cooperative; and (2) purchase existing properties or predeveloped land on which properties will be developed that will be sold to homebuyers or members of a limited equity cooperative. (c) Priority.--The Secretary shall prioritize the award of grants to eligible entities that will maintain affordability for the homes sold by the eligible entity for the longest term. (d) Requirements.-- (1) Vacant land.--In the case of vacant land purchased by an eligible entity under this section, the housing shall be built and marketed for sale not later than 3 years after the date of the purchase, which period may be extended at the discretion of the Secretary for extenuating circumstances, such as delays in the development process, provided that the Secretary makes public a list of localities where such extenuating circumstances are occurring. (2) Existing land or properties.--In the case of existing properties or predeveloped land purchased by an eligible entity under this section, the homes shall be ready for sale to homebuyers not later than 3 years after the date of the purchase, which period may be extended at the discretion of the Secretary for extenuating circumstances. (3) All properties.--Each home developed with amounts provided under this section shall be sold to households-- (A) with an income that is less than or equal to-- (i) 80 percent of the area median income; or (ii) 120 percent of the area median income, if the home is located in a rural area; (B) with ground leases, deed restrictions, covenants, or other mechanisms to ensure permanent affordability; and (C) according to a resale formula determined by the eligible entity. (e) Reporting.-- (1) Eligible entity reports.--Not later than 2 years after receiving a grant under this section, and biennially for 6 years thereafter, an eligible entity shall submit to the Secretary a streamlined report that includes-- (A) as applicable, the number of acres purchased; (B) as applicable, the number of units purchased; (C) as applicable, the number of buildings and units developed; (D) as applicable, the number of buildings and units renovated; (E) a description of the ground leases, deed restrictions, covenants, or other mechanisms used to ensure permanent affordability; (F) a description of the resale formula used; (G) the number of households served; (H) the average size of units; (I) the median purchase price; (J) to the extent possible, the average amount of the down payment paid by households; (K) the average tenure of residents; (L) to the extent possible, the average credit score of purchasers; (M) the average delinquency and foreclosure rate; and (N) the average annual resident fees. (2) Report to congress.--Not later than 90 days after the conclusion of each fiscal year in which assistance under this section is made available, the Secretary shall submit to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives a report on this section that contains, with aggregates, averages, and summaries, as appropriate, information provided by eligible entities under paragraph (1). (f) Authorization of Appropriations.-- (1) In general.--There is authorized to be appropriated to the Secretary $100,000,000 for each of fiscal years 2027 through 2031 to carry out this section. (2) Technical assistance.--Not more than 10 percent of amounts appropriated under paragraph (1) may be used to provide technical assistance to eligible entities that receive a grant under this section. SEC. 5. SHARED EQUITY HOUSING RESEARCH AND AWARENESS PROGRAMS. (a) Housing Research.-- (1) In general.--The Secretary of Housing and Urban Development (in this section referred to as the ``Secretary''), acting through the Office of Policy Development and Research, shall establish a program that conducts, supports, and disseminates research about best practices for community land trusts and other shared equity homeownership models, including best practices regarding ground leases, deed restrictions, or other legal mechanisms for preserving long-term affordability. (2) Awards.--For States, local governments, Tribal governments, and entities managing shared equity homeownership models, including nonprofit organizations, the Secretary shall provide funding to organizations representing nonprofit shared equity model interests to create or sustain shared equity homeownership models through technical assistance and capacity building. (3) Authorization of appropriations.--There is authorized to be appropriated to the Secretary such sums as may be necessary to carry out this subsection. (b) Public Awareness.-- (1) In general.--Not later than 1 year after the date of enactment of this Act, the Secretary shall conduct a public awareness campaign to educate the public and the financial sector about the benefits and responsibilities of shared equity homeownership models, including community land trusts, which may include-- (A) creating a web page to publicize shared equity homeownership models; (B) disseminating information to housing counseling agencies or other entities to provide information to potential homebuyers; (C) providing information to lenders about the shared equity homeownership model, including standard ground leases and appraisal guidance developed by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation; and (D) to the extent possible, work with States, local governments, Tribal governments, and entities managing shared equity homeownership models, including nonprofit organizations, to advance public awareness. (2) Authorization of appropriations.--There is authorized to be appropriated to the Secretary $3,000,000 for each of fiscal years 2027 through 2029 to carry out this subsection. (c) Outreach.-- (1) In general.--The Secretary, in consultation and coordination with other appropriate entities, including the Federal Housing Finance Agency, shall carry out an education and outreach campaign to inform and educate consumers, homebuilders, residential lenders, and other real estate professionals on the availability, benefits, and advantages of community land trusts and other shared equity homeownership models. (2) Authorization of appropriations.--There is authorized to be appropriated to the Secretary such sums as may be necessary to carry out this subsection. (d) Report.--Not later than 90 days after the conclusion of each fiscal year in which assistance under this section is made available, the Secretary shall submit to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives a report on the shared equity housing research and awareness programs described in this section that includes, for the period covered by the report-- (1) a description of public awareness and public outreach campaigns conducted by the Secretary; (2) a description of consultation and coordination efforts with the Federal Housing Finance Agency, including a description of Federal Housing Finance Agency activities to improve mortgage lender education and outreach that resulted from consultation and coordination efforts; (3) a description of the research conducted on best practices for community land trusts and other shared equity homeownership models; and (4) the number and location of entities that received technical assistance and capacity building on community land trusts and other shared equity homeownership models. SEC. 6. SURPLUS LAND. (a) In General.--Section 550 of title 40, United States Code, is amended-- (1) in subsection (a)-- (A) in the subsection heading, by striking ``Definition'' and inserting ``Definitions''; and (B) by striking ``section, the term'' and inserting ``section-- ``(1) the term `shared equity homeownership model' has the meaning given the term in section 2 of the Permanent Housing Affordability Act; and''; (2) in subsection (b)(2)(D), by inserting ``and for property transferred under subsection (i) to a community land trust or other shared equity homeownership model'' after ``families''; and (3) by adding at the end the following: ``(i) Property for Community Land Trust or Other Shared Equity Homeownership Model.-- ``(1) Conveyance.--The Administrator may convey to a community land trust or other shared equity homeownership model the right, title, and interest of the Government in and to any surplus real property that the Secretary of Housing and Urban Development determines is suitable for a community land trust or other shared equity homeownership model. ``(2) Deed of conveyance.--The deed of conveyance of any surplus real property disposed of under this subsection-- ``(A) shall provide that all of the property be used and maintained for purposes of a community land trust or other shared equity homeownership model in perpetuity, and that if the property ceases to be used or maintained in a community land trust or other shared equity homeownership model, all or any portion of the property shall, in its then existing condition, at the option of the Government, revert to the Government; and ``(B) may contain additional terms, reservations, restrictions, and conditions the Administrator determines are necessary to safeguard the interests of the Government. ``(3) Fixing value.-- ``(A) In general.--In fixing the sale or lease value of property disposed of under paragraph (2), the Secretary of Housing and Urban Development shall take into consideration and discount the value for any benefit which has accrued or may accrue to the Government from the use of the property by the community land trust or other shared equity homeownership model. ``(B) Amount of discount.--The amount of the discount under subparagraph (A) is 75 percent of the market value of the property, except that the Secretary of Housing and Urban Development may discount by a greater percentage if the Secretary, in consultation with the Administrator, determines that a higher percentage is justified.''. (b) Report.--Not later than 90 days after the conclusion of each fiscal year in which assistance under section 550(i) of title 40, United States Code, as added by subsection (a), is made available, the Secretary of Housing and Urban Development shall submit to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives a report on surplus land that includes-- (1) the number of surplus real properties conveyed by the Federal Government for the purpose of affordable housing, including such properties that were conveyed to a community land trust or other shared equity homeownership model; and (2) the average discounted value of real property conveyed by the Federal Government for the purpose of affordable housing, including such real property that was conveyed to a community land trust or other shared equity homeownership model. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Ustawa o Trwałej Dostępności Mieszkań: Wsparcie dla taniego budownictwa i wspólnotowych gruntów\",\n  \"pl_summary\": \"Ustawa ułatwia zakup domów osobom o niższych dochodach poprzez wsparcie modeli współwłasności i funduszy powierniczych. Dzięki nowym pożyczkom i tańszym gruntom federalnym, ceny mieszkań mają pozostać niskie przez co najmniej 99 lat.\",\n  \"pl_key_points\": [\n    \"Tanie pożyczki na budowę domów z oprocentowaniem ograniczonym do 3%.\",\n    \"Przekazywanie zbędnych gruntów państwowych z 75% zniżką na cele mieszkaniowe.\",\n    \"Gwarancja utrzymania niskich cen mieszkań dla kolejnych nabywców przez minimum 99 lat.\",\n    \"Programy dotacji na zakup ziemi i remonty budynków dla organizacji non-profit.\",\n    \"Kampanie edukacyjne dla obywateli i banków na temat korzyści z taniego budownictwa społecznego.\"\n  ],\n  \"eng_ai_title\": \"Permanent Housing Affordability Act: Support for Low-Cost Homes and Land Trusts\",\n  \"eng_summary\": \"This act makes homeownership more accessible for low- and moderate-income families by supporting shared equity models and community land trusts. It provides low-interest loans and discounted federal land to ensure housing remains affordable for 99 years or more.\",\n  \"eng_key_points\": [\n    \"Low-interest construction loans with interest rates capped at 3%.\",\n    \"Transfer of surplus federal land at a 75% discount for affordable housing projects.\",\n    \"Requirement to keep homes affordable for qualified buyers for at least 99 years.\",\n    \"Grant programs for nonprofits to purchase vacant land and renovate existing buildings.\",\n    \"Public awareness campaigns to educate homebuyers and lenders about shared equity models.\"\n  ],\n  \"de_ai_title\": \"Gesetz zur dauerhaften Erschwinglichkeit von Wohnraum: Unterstützung für günstiges Bauen\",\n  \"de_summary\": \"Dieses Gesetz unterstützt einkommensschwache Familien beim Erwerb von Wohneigentum durch die Förderung von Gemeinschaftslandstiftungen. Es bietet zinsgünstige Baudarlehen und ermöglicht den Verkauf von Bundesflächen mit hohem Rabatt, um dauerhaft bezahlbaren Wohnraum zu schaffen.\",\n  \"de_key_points\": [\n    \"Zinsgünstige Baudarlehen mit einem Zinssatz von maximal 3 %.\",\n    \"Übertragung von überschüssigem Bundesland mit 75 % Rabatt für bezahlbaren Wohnraum.\",\n    \"Verpflichtung, die Erschwinglichkeit der Wohnungen für mindestens 99 Jahre zu sichern.\",\n    \"Zuschussprogramme für gemeinnützige Organisationen zum Kauf und zur Renovierung von Gebäuden.\",\n    \"Aufklärungskampagnen über Modelle des gemeinschaftlichen Wohneigentums.\"\n  ],\n  \"fr_ai_title\": \"Loi sur l'abordabilité durable du logement : Soutien aux modèles d'accession sociale\",\n  \"fr_summary\": \"Cette loi facilite l'accession à la propriété pour les ménages à revenus modestes en soutenant les fiducies foncières communautaires. Elle propose des prêts à faible taux pour la construction et permet la vente de terrains fédéraux avec une remise de 75 % pour garantir des prix abordables à long terme.\",\n  \"fr_key_points\": [\n    \"Prêts à la construction à faible taux d'intérêt, plafonnés à 3 %.\",\n    \"Transfert de terrains fédéraux excédentaires avec une remise de 75 % pour le logement abordable.\",\n    \"Obligation de maintenir les logements abordables pendant au moins 99 ans.\",\n    \"Programmes de subventions pour l'achat de terrains et la rénovation de bâtiments.\",\n    \"Campagnes de sensibilisation sur les modèles d'accession sociale à la propriété.\"\n  ],\n  \"es_ai_title\": \"Ley de Asequibilidad Permanente de la Vivienda: Apoyo a modelos de propiedad compartida\",\n  \"es_summary\": \"Esta ley facilita la compra de viviendas para familias de ingresos bajos y moderados mediante el apoyo a fideicomisos de tierras comunitarias. Ofrece préstamos de bajo interés para la construcción y permite la venta de terrenos federales con un 75% de descuento para mantener precios asequibles permanentemente.\",\n  \"es_key_points\": [\n    \"Préstamos para construcción con intereses bajos, limitados al 3%.\",\n    \"Transferencia de terrenos federales excedentes con un 75% de descuento para vivienda asequible.\",\n    \"Requisito de mantener la vivienda asequible durante al menos 99 años.\",\n    \"Programas de subvenciones para que organizaciones sin fines de lucro compren terrenos y renueven edificios.\",\n    \"Campañas de concienciación pública sobre modelos de propiedad compartida.\"\n  ],\n  \"it_ai_title\": \"Legge sull'accessibilità abitativa permanente: Sostegno ai modelli di proprietà condivisa\",\n  \"it_summary\": \"Questa legge aiuta le famiglie a basso e medio reddito ad acquistare casa sostenendo i fondi fondiari comunitari. Prevede prestiti a basso interesse per l'edilizia e consente la vendita di terreni federali con uno sconto del 75% per garantire prezzi accessibili nel tempo.\",\n  \"it_key_points\": [\n    \"Prestiti per l'edilizia a basso interesse con tassi non superiori al 3%.\",\n    \"Cessione di terreni federali in eccedenza con uno sconto del 75% per l'edilizia popolare.\",\n    \"Obbligo di mantenere gli alloggi accessibili per almeno 99 anni.\",\n    \"Programmi di sovvenzione per l'acquisto di terreni e la ristrutturazione di edifici da parte di enti non profit.\",\n    \"Campagne di sensibilizzazione sui modelli di proprietà condivisa.\"\n  ],\n  \"nl_ai_title\": \"Wet op Permanente Betaalbaarheid van Woningen: Steun voor goedkope woningbouw\",\n  \"nl_summary\": \"Deze wet helpt gezinnen met lage en middeninkomens bij het kopen van een huis door steun aan gemeenschapsgrondtrusts. Het biedt leningen met een lage rente voor de bouw en maakt de verkoop van federale grond met 75% korting mogelijk om woningen blijvend betaalbaar te houden.\",\n  \"nl_key_points\": [\n    \"Bouwleningen met een lage rente van maximaal 3%.\",\n    \"Overdracht van overtollige federale grond met 75% korting voor betaalbare woningen.\",\n    \"Verplichting om woningen minimaal 99 jaar betaalbaar te houden.\",\n    \"Subsidieprogramma's voor non-profitorganisaties om grond te kopen en gebouwen te renoveren.\",\n    \"Voorlichtingscampagnes over modellen voor gedeeld eigenwoningbezit.\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Esta lei ajuda famílias de baixos e médios rendimentos a comprar casa, apoiando fundos comunitários de terras. Oferece empréstimos de juros baixos para construção e permite a venda de terrenos federais com 75% de desconto para garantir habitação acessível a longo prazo.\",\n  \"pt_key_points\": [\n    \"Empréstimos para construção com juros baixos, limitados a 3%.\",\n    \"Transferência de terrenos federais excedentários com 75% de desconto para habitação acessível.\",\n    \"Requisito de manter as casas acessíveis por, pelo menos, 99 anos.\",\n    \"Programas de subsídios para organizações sem fins lucrativos comprarem terrenos e renovarem edifícios.\",\n    \"Campanhas de sensibilização pública sobre modelos de propriedade partilhada.\"\n  ],\n  \"category\": [\"Real Estate\", \"Public Investments\", \"Economy\"]\n}"
    }
  ]
}