Ngaba uzibuze malunga nokwahlukana phakathi kwama-co-ops kunye nama-condos? AWUKHO wedwa. Nangona, kunokumangaliswa ukuba ufunde ukuba i-condos ayizange ithandeke kude kube ngama-1960. Xa izikhokelo ze-FHA ekugqibeleni zavumela ukuxhaswa kwemali, i-condo complex complex concept. Ngaphambi koko, phantse zonke izakhiwo ezavumela abaninzi abanini abaninzi ukuba be-co-ops. Namhlanje, uya kufumana ezininzi ze-co-ops okanye izakhiwo zokubambisana nezindlu kwiidolophu ezinkulu.
Abantu bathambekele ukudibanisa i-co-ops neSixeko saseNew York, kodwa unokufumana ii-co-ops kwizixeko eziphambili ezinjengeSan Francisco, eMinneapolis, eWashington, DC, e-Atlanta, eBoston, e Seattle, e-Indianapolis, eDetroit naseChicago, eTucson naseFenix, kuquka nabambalwa eFlorida kunye nabanye bafafaza kulo lonke i-East Coast.
Yintoni i-Co-Op?
I-co-op ayikho indawo yokuhlala. Ixabiso lempahla ngumhlaba, kunye naluphi na uphuculo olusesikweni, kuquka amalungelo angaphantsi komhlaba kunye namalungelo omhlaba. Kunoko, i-co-op yinkampani. Xa umthengi uthenge intsebenziswano, umthengi uthenga izabelo kwi-corporation kunye nelungelo lokuhlala kwiyunithi ethile. Umthengi we-co-op akasithengi iyunithi okanye inxalenye yesakhiwo ngokwaso.
Ukuqhubela phambili, umthengi-co-op okanye unako ukukwazi ukuhlawula ukuthengwa kwe-co-op. Ayikho yonke ibhanki eya kwenza umboleko we-co-op. Phakathi kweebhanki eziza kwenza umboleko wentsebenziswano, kungekhona yonke i-co-op ifanelekileyo njengesakhiwo esifanelekileyo.
Abathengi kufuneka bahlole umboleki wabo ukuze bafumane ukuba i-co-op iluhlu lwayo oluvunyiweyo.
Umthengi-co-op uhlawula intlawulo yenyanga kwintsebenziswano. Le ntlawulo ibandakanya isabelo se-prorata kwisithwathwa sakhiwo, ukuba kukho na; imivuzo yomntu ongenamnyango, abasebenzi bokugcina, mhlawumbi isakhiwo somphathi; inshorensi kwisakhiwo; ukugcinwa rhoqo, ukugcinwa kunye nokucocwa kweendawo eziqhelekileyo, kubandakanywa irhafu yepropati.
Enye into enokuthi yenze i-co-op, bathi abagxekayo, ngaba umnikazi uya kubakhokhela ezimbini iipredishment. Uya kuhlawula imali yakhe yokubambisana kunye nentengo yokubambisa i-co-op, enokuthi ihlaziywe ngemali mboleko yokuhlawula ukuphuculwa kwenkunzi yesakhiwo.
Yintoni iCondo?
Ngokungafani ne-co-op, xa umthengi ethenga i-condo, umthengi uthengisa impahla yangempela. Umthengi unesithuba phakathi kweendonga, iiplanga kunye nezilwanyana, ngokubanzi ukuya kwiphakathi. Iyunithi ihlolwe ngokwahlukileyo kwiinjongo zerhafu, kwaye umthengi uyahlawula irhafu ngokuthe ngqo kumhloli we-county (okanye nge- akhawunti yengeniso ).
I-condo inokuxhaswa ngemali kunye kwaye ipropati ikhuselwe yintlawulo yokubambisa okanye yokuboleka imali, kuxhomekeke kwimithetho kaRhulumente. Idizayini yokwakhiwa kwe -condo iyunithi yodwa, ingaba ibali elilodwa, amabali amaninzi okanye adibaniswe. Ngokomzekelo, ndinekhaya linye lentsapho eHawaii elikhethwe njengeqonga, kodwa liyi-free stand-frame, kunye neyard yayo.
Umthengi we-condo naye, njengomthengi-co-op, uyahlawula iimali zenyanga. Ezi ntlawulo zihlawulwa kumbutho wabaninikhaya . Imirhumo yokuhlawulwa kwe-HOA yokugcinwa kweendawo eziqhelekileyo, ingaphandle kwakhiwo, uphahla, i-inshurensi, ukulawula ubudlelwane kunye nokuhlala kunokubandakanya ezinye zezinto ezinokusetyenziswa njengamanzi kunye ne-trash pickup.
Ezinye ze-HOA zibandakanya iintlawulo zebhola, iindawo zokuzivocavoca kunye nedama lokubhukuda / i-spa.
Ulwahlulo oluninzi phakathi kwe Co-op neCondo
Ngokuqhelekileyo, i-co-op isoloko ixabiso elithengiweyo kunokuthenga i-condo, oko kuthetha ukuba inokuthi ixabise ngakumbi ukuthenga i-condo. Nangona kunjalo, i-tradeoff imirhumo ehlawulwa kwi-co-op ingaba phezulu kune-HOA.
Umehluko omkhulu phakathi kwe-co-op ne-condo yinto ayikho nayiphi na umzimba ofudumeleyo kunye nemali inokuthenga intsebenziswano. Ii-Co-ops zilawulwa libhodi labalawuli, ezichongiwe ngabanini-zimali zentsebenziswano. Iikhontathi zilawulwa yibhodi yabalawuli, kodwa ezo mabhodi azivumeli abathengi. Ibhodi ye-co-op inelungelo lokuvuma umthengi ozayo. Ngelixa umthengi akakwazi ukunqunyulwa ngenxa yocalulo oluchazwe ngumthetho weZindlu eziLungileyo , abathengi kufuneka badlule ukukhangela ngokukhawuleza.
Amanye ama-co-ops awavumeli abathengi bangaphandle ukuba bathenge iyunithi. Uninzi lwama-co-ops aluvumeli abatyali-mali okanye abathengi basekhaya abesibili njengoko bakhetha abahlali bomnini. Iibhodi ze-Co-op ziza kuhlolisisa isicelo somthengi, isitatimende sezemali, uluhlu lwezinto eziphathekayo kunye namatyala, ingxelo yeekhredithi, izilinganiso zebhanki, kubandakanywa nokuhlaziywa kweencwadana zinconywa ezivela kubangane kunye nabahlobo bezoshishino, ukuxothwa ngudliwano-ndlebe.
Nangona le nkqubo ingabonakala ngathi ihlasela ngokuzimeleyo, abanikazi kwi-co-op bayayivuma le nkqubo kuba banokukhetha kakhulu abantu abahlala kwisakhiwo. Xa umntu uthengela i-condo, akukho nqubo yokukhethwa yabamelwane, akukho ndlela yokukhusela ibhendi yensimbi enkulu yokufa kwi-quarters.
Ngakolunye uhlangothi, ibhodi ye-co-op iphinda ivume intengo yokuthenga. Ukuba ixabiso liphantsi kangangokuba lingachaphazela ixabiso labanye abanini-nxaxheba, ibhodi ye-co-op ingahla ukuvuma ukuthengiswa. I-HOA ayinalo igunya lokukhusela ukuthengiswa.
Uninzi lwee-condo complexes lunciphisa inani lezindlu zokuqasha njengepesenti yeeyunithi ezipheleleyo. Ipesenti ngokubanzi isuka kuma-80 ekhulwini kumnini-50%. Oku kuhloswe ukuthintela ubunzima ukusuka ekuphenduleni kwindlu yokuhlala kunye nokunciphisa ixabiso. Uninzi lwe-co-ops aluvumeli ukuhanjiswa okanye ukuqeshiswa.
Omnye unokuhlala kwindawo encomekayo iminyaka kwaye engazange azi oomelwane. Oku akunakwenzeka ukuba kwenzeke kwi-co-op apho abanikazi bayazi wonke umntu kunye nayo yonke into ngawe.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.