Kwezinye iidolophu ezinkulu ezinkulu, akusona ukhetho phakathi kokuthenga i-condos vs izindlu kuba izindlu zasezidolophini zinokubiza kakhulu. Iingqungquthela ziphantse ziphumelele. Ngenxa yokuba bahlala bebiza imali encinane. Izibonelelo ezimbini ezibalulekileyo ekuthengeni i-condo zezi: i-condos zihlala zintsha kunendlu, oku kuthetha ukuphuculwa ngcono, kwaye intengo ifikeleleke kakhulu.
Kodwa zikhona ezinye izizathu zokuthenga abathengi kwi-condos vs izindlu.
Ukwenza uqikelelo olulinganisekileyo-bulumko, ndincoma abathengi bacinge ngemali yomninimzi (HOA). Naliphi na loo mali, lilinganisa eso sabelo kwintlawulo yokuhlawula imali . Umzekelo, masithi imali yakho ye-HOA yi-$ 250. Kwingeniso ye-4.5 yepesenti, inokuba yintlawulo eyongezelelweyo kwisixa-mali esiyi-50,000.
Oku kuthetha ntoni kuwe ngaphandle kwemali ye-HOA, unokusihlawula ixabiso lexabiso lakho nge $ 50,000, uthenge ikhaya uze ukhokhe malunga nomlinganiselo ofanayo nyanga zonke. Ngamanye amagama, ukuba uceba ukuthenga imali engama-$ 250,000 kunye ne-$ 250 ye-HOA imali, unokuchitha imali efanayo ngenyanga kwaye uthenge indlu engama-300,000. Ngenxa yokuba ama-50,000 kwi-4.5 ekhulwini inzala engaphezu kweminyaka engama-30 ilingana nenqununu eyongezelelweyo kunye nentlawulo yemali eyi-253.34. Okanye, hlawula i-$ 50,000 ngaphantsi kwaye uthenge i-condo. Nika okanye uthathe.
Imali ye-HOA ayiyiyo kuphela ingqalelo, kodwa kuxhomekeke kwizibonelelo ezikhutshwe yi-HOA.
Ngokomzekelo, ukuba i-HOA yakho ihlawule amanzi kunye nenkunkuma, loo nto iya kuba yindleko eyongezelelweyo kufuneka uhlawule wena xa uthenge indlu. Ukongezelela, indlu ayinakwenzeka ukuba ikunike iinkantolo ze-tenisi, i-spas in-ground, i-assortment yamanzi okubhukuda okanye i-clubhouse.
Enye yeengxaki zokuthenga i-condo iyunithi yakho ayiyi kuzuza ngaphezu kweyunithi efanayo, kunye nokuphucula.
Utyalo-mali lwakho luthembele kwiivenkile ezithe ngqo. Ukuba omnye umnini uthengisa phantsi kwentengiso yomlilo ngexabiso elincinci, ezinokuchaphazela ixabiso lakho lemarike . Ukupaka ngokuqhelekileyo kufakwe kwisithuthi esinye okanye ezimbini. Ingaba ngumgama omde ukuhamba ngeenyawo uthwele amaphakheji ukusuka kwimoto yakho epakiweyo ekhitshini.
Iintlobo ezimbini zeCondos
Iintlobo zombini zee-condos zizo ezo ziguqulwa ukusuka kumafulethi kuya kwi-condos kunye nezo zakhiwa njengamakhondomu. Ukuba awukwazi ukubona umehluko, mhlawumbi akuyi kuba yingxaki kwixesha elizayo. Ukuba i-condo yakho ibonakala ngathi ifulethi kuwe kuba yayingu-condo conversion, iya kuba yindlela eya kwabanye abathengi kwaye ixabiso lisoloko liba ngaphantsi kweminye imimandla yoluntu.
Injongo yokuthenga iiCondos vs izindlu
- Iikhondos zihlala zibiza kakhulu kunezindlu. Ukuze ufanele ukufumana i-condo, umboleki-mali uya kwongeza i-HOA kwintlawulo yakho, kunye neerhafu kunye ne-inshurensi yangasese yemali, ukuba kukho na. Sekunjalo, ngokuqhelekileyo i-condo iya kuba yindleko ephezulu kunezindlu.
- I condos entsha inokuphucula ngaphezulu kwamakhaya asele. Ukuba unentliziyo yakho isetyenzisiweyo kwiibarters zokubala, izixhobo ezingenasiphelo kunye nesicwangciso sokuvula, isilwanyana esitsha siya kufana nezo mfuneko.
- I-HOA ivame ukubonelela ngezibonelelo ezinobuncwane kwaye izizathu zihlala zichonga. Amachibi okubhukuda, ii-spas, i-clubhouses, iindawo ze-BBQ, iinkundla ze-volleyball, iinkundla ze-tennis, iinkundla zenkundla yebhoksikidi, iindlela zokugijima, izakhiwo zokuhlamba kunye nezinye.
- Indlela yokuphila yokukhiya kunye nokuhamba. Abantu baziziva bekhuselekile ngakumbi kuba abanye bahlala kufuphi. Kwiindawo eziyinkimbinkimbi, kunzima kakhulu kwabo bangenawo ukuba baze bahambe bengakhange bahlolwe.
- Ibhokisi leposi leposi. Kwi-complex condo complex, umlindi unokufumaneka ukuba amkele ukuhanjiswa kwakho emini.
- Ukugcinwa okuncinci kunye nokugcinwa. Ayikho inqabileyo yokutshiza, amaqabunga e-raking, endaweni yefestile ephukile. Ngokuqhelekileyo uxanduva lwakho lwangaphakathi kuphela.
Imiba yokuThengisa iiConos vs izindlu
- Uhlala usondele kakhulu kubamelwane bakho kwaye isandi sinokuhamba ngeendonga ezidibeneyo. Oku kuthetha ukuba awukwazi ukujonga iWindows War kwi-volume ephezulu ngaphandle kokubangela ukuba abamelwane bakho bangamakhilogremu enomsindo emnyango wakho.
- I-condo complex mayingakufanelekeli ukuhlawulwa kwe- FHA . Oko kuthetha ukuba uya kufuneka uhlawule imali okanye ufumane imali ejwayelekile yokuthenga. Olu thintelo lunokuchaphazela inani labathengi abakhona abakwazi ukuthenga i-condo xa kufika ixesha lokuba uthengise. Iiprojekthi ezininzi azivunyelwanga kwi-FHA kuba ipesenteji yokuhlala yabanikazi nabanikazi baqeshisa ama-50 ekhulwini.
- Imali yakho ye-HOA inokunyuka, kwaye ngokubanzi iyaqhubeka iphakama. Ukuba isakhiwo siphelile, sinokufuna iimpahla ezininzi zokuhlawula ukupakisha, ukupaka iimpahla, ukugcinwa kwangaphandle, oku kuthetha ukuba ii-HOA ziphezulu.
- Ndiya kuba yimpazamo ukuba andizange ndibonise ukuba iBhodi yabaLawuli kwi-HOA ingaba kuhambo lwamandla. Akuyiyo yonke i-HOA efana nale kodwa okwaneleyo kukuba kufuneka ndiyikhuphe. Kukho umzalwana omkhulu kwi-HOA kwaye uhambelana nemithetho ongazange uyidale.
- Kungakhathaliseki ukuba umda, i-condo ayiyindlu. Umgca wesikwere unokuba luncinci kunezindlu. I-condo ngokuqhelekileyo ayiyi kukunika intsimi ukuba ithambekele okanye kwindawo yokuhlamba imoto yakho.
- Imithintelo yezilwanyana. Ukuba usoloko ufuna i-Great Dane, i-HOA yakho ingasayi kuvumela. Imithetho inganciphisa inani kunye neentlobo zezilwanyana ezifuywayo ongazithatha nazo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.