Wakambofunga here nezvekusiyana pakati pe co-ops vs. condos? Hausi wega. Kunyange zvakadaro, zvinogona kushamisa iwe kudzidza kuti condos haina kuve yakakurumbira kusvika kuma1960. Apo FHA mirayiridzo yakazobvumira kubhadhara mari yevhesi, pfungwa yekodha yakaoma yakabviswa. Izvo zvisati zvaitika, inenge yese zvivako izvo zvakabvumira vakawanda vatengi vakawanda vaiva co-ops. Nhasi, uchawana zvizhinji zve-co-ops kana zvivako zvekubatirana mumaguta makuru.
Vanhu vanofarira kushamwaridzana ne-co-ops neNew York City, asi unogonawo kuwana ma-ops mumaguta makuru akadai seSan Francisco, Minneapolis, Washington, DC, Atlanta, Boston, Seattle, Indianapolis, Detroit neChicago, Tucson nePenieni, kusanganisira vashomanana muFlorida uye vamwe vakasaswa munyika yose yeEast Coast.
Chii Chinonzi Co-Op?
A co-op haisi iyo imba chaiye. Real estate inyika, pamwe nechinangwa chipi zvacho chekugadzirisa, kusanganisira pasi pevhu nekodzero. Pane kudaro, co-op isangano. Kana mutengi achitenga kubatanidzwa, mutengi ari kutenga zvikamu mukambani uye kodzero yekuwana imwe chikwata. Mutengi wekutengesa haatengi chikwata kana chikamu chechivako pachako.
Uyezve, mutengi wekambani anogona kana kuti haakwanisi kubhadhara kutenga kweko-op. Kwete mabhanga ose achaita chikwereti chekopi. Pakati pemabhangi achaita chikwereti cheko-op, kwete ma-co-op ose anokodzera sechivakwa chakanaka.
Vatengi vanofanira kutarisa nevakweretesa vavo kuti vaone kana co-op iri pane yakarongwa.
Mumwe mutengi anotengesa anobhadharawo mari yemwedzi wega wega kubasa. Mari iyo inosanganisira chikamu cheporata chekuvakwa kwechivakwa, kana chiripo; iyo mibairo yemukova wemasuo, vashandi vekugadzirisa, zvichida chivakwa chekuvaka; inshuwarisi yegadziriro; kuchengetedza nguva dzose, upkeep uye kuchenesa nzvimbo dzakawanda, kusanganisira chaiyo yemitero.
Imwe nzira inogona kuitika kumubatanidzwa, vanoti vatsoropodzi, ndeyekuti muridzi anowanzobhadhara mari mbiri. Achabhadhara mari yake yekutengesa uye yekuvakwa kwechikwata cheko-op, iyo inogonawo kubhadhara chikwereti kubhadhara mari yekuvandudza kwechivakwa.
Chii Condo?
Kusiyana ne-co-op, kana mutengi achitenga chikwata, mutengi ari kutenga chai chaiyo. Mutengi ane nzvimbo iyo pakati pemasvingo, pasi uye chifukidzo, kazhinji kusvika mukati. Chikwata chacho chinoongororwa zvakajeka nokuda kwezvinangwa zvemitero, uye mutengi anobhadhara mitero zvakananga kumuchengeti wenharaunda (kana kuburikidza nekwereta yemakondomu account ).
A condo inogona kubhadharwa zvakasiyana uye imba inogadziriswa nekutendwa kwechivimbiso kana kutengesa mari, zvichienderana nemitemo yenyika. Chimiro chemuumbi wekodha nderumwe munhu, iyo inogona kunge iri nyaya imwe chete, nyaya dzakawanda kana kunyange dzakasununguka. Somuenzaniso, ndine imba imwechete-yemhuri muHawaii inosarudzwa semutumbi, asi inzvimbo yakasununguka, ine yadhi yaro.
Mutengi wekodha zvakare, semutengi wekambani, anoripa mwedzi yemari. Iyi mitero inobhadharwa kusangano raimba yeimba . Imari yekubhadhara HOA yekuchengetedza nzvimbo dzakawanda, kunze kwechivakwa, denga, inshuwarisi, kushandiswa kwesangano uye zvingangowanzobatanidza zvimwe zvekubatsira zvakadai semvura uye chikwata chemarara.
Imwe HOA inosanganisira mari yeklubhouse, mazvivako zvekuvhidzira uye dziva rekushamba / spa.
Kusiyana kwakanyanya pakati peKo-op vs. Condo
Kazhinji kutaura, kubatanidzwa kunowanzosvitsa kutenga kudarika condo, zvinoreva kuti inogona kutenga mari yakawanda kutenga condo. Kunyange zvakadaro, tradeoff ndiyo mari inobhadharwa kune imwe sangano inogona kunge yakakwirira kudarika hoA's cones.
Kusiyana kwakakura pakati pe-co-op vs. kondomu ndeyechokwadi kwete imwe yemhepo inotonhora ine mari inogona kutengesa kubatanidzwa. Co-ops inotungamirirwa nebhodhi revatungamiri, rakagadzirirwa nevatinheji vesangano. Condos inotungamirirwa neboka revatungamiri zvakare, asi mapurisa iwayo haabvumi vatengi. Iko-co-op board ine kodzero yekubvumira munhu anotengesa. Kunyange zvazvo mutengi asingakwanisi kurambidzwa nekuda kwekusarura kunotsanangurwa neMutemo weHurumende yeHurumende , vatengi vanofanira kutora kuongorora kwakasimba.
Mamwe co-ops haabvumiri vatengi vokunze kutenga chikwata. Vazhinji ve-co-ops havabvumiri vatengesi kana vatengi vemhuri sezvavanosarudza muridzi weimba. Co-op mapurisa achaongorora kushandiswa kwemutengesi, mutemo wezvemari, urongwa hwehupfumi nematambudziko, chikwereti chekwereti, zviyero zvebhangi, kusanganisira kuongorora kwemashoko ekurumbidzwa kubva kune shamwari neshamwari dzebhizimisi, kubviswa nehurukuro yemunhu oga.
Kunyange zvazvo izvi zvinogona kuonekwa sekupindira kwakanyanya kwehuga, vadzidzisi vari mubvumirano vanobvumirana nehurongwa uhwu nokuti vanogona kusarudza zvikuru vanhu vanogara muchivako. Apo munhu anotenga condo, hapana nzira yekusarudza yevakidzani, hapana nzira yekudzivisa hurukuro yekufa kwesimbi yekutora kubva pamakamuri mana ari pedyo.
Kune rumwe rutivi, bhokisi re co-op rinobvumirawo mutengo wekutenga. Kana mutengo wacho wakanyanya kuderera zvokuti unogona kuchinja hutsika hwevamwe vagovani, bhodhi re-co-op inogona kuderera kugamuchira kutengeswa. Imwe HOA haina kodzero yakadaro yekudzivirira kutengesa.
Nzvimbo dzakawanda dzimba dzekodhi dzinogadzirisa nhamba yezvikwereti sezana rezana rezvikamu zvacho. Iko yepakati yakawanda inowanikwa kubva pa80 muzana mutengi-inotora kusvika 50 muzana. Izvi zvakagadzirirwa kuchengetedza dambudziko kubva pakushandura kusvika muimba yakadzika nekuderedza tsika. Kazhinji co-ops haibvumiri kubudiswa kana kubhadhara.
Mumwe anogona kurarama mumutambo wekodhi kwemakore uye haasati aziva vavakidzani. Izvozvo hazviitike kuti zviitike mu-co-op apo vatenzi vanoziva munhu wose nezvose pamusoro pako.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.