Yang'anani Musanadumphe Pa Thanthwe
1. Dongosolo lalikulu la nyumbayo
2. Kusintha kwachuma (mbiri yakale ndi mapulani amtsogolo kuphatikiza kuyerekezera mtengo ndi nthawi)
3. Ngongole ya nyumbayo (zolinga / zovomerezeka ndi zotani)
4. Mgwirizano wa kasamalidwe (kampani yomwe ili ndi kontrakitala yoyang'anira pakali pano; ndalama/ntchito)
5. Kafukufuku wa asibesitosi pa malo a anthu onse ndi nyumba
6. Mazenera awola pachipinda chapansi ndi malo ena opezeka anthu onse omwe angakhale polowera makoswe/nsikidzi ndi kuwonongeka kwa madzi.
7. Madzi / magetsi mamita. Mtengo wa chaka chilichonse uyenera kuwunikiridwa. Kodi mtengo wake ukufanana chaka ndi chaka?
Phukusi la Ntchito. Yang'anani Mmwamba (Way UP)
Pali mawu atatu omwe aliyense wogula co-op ayenera kuloweza: kubweza pang'ono, chiŵerengero cha ngongole ndi ndalama ndi ndalama zomaliza.
• Vuto Loyamba: Kubweza ndi gawo loyamba la ndalama zomwe wogula amalipira wogulitsa ndi ndalama zotsalazo kuti azilipidwa ndi banki kapena wobwereketsa wina. Co-op amafuna eni ake azikhala ndi ufulu m'nyumba zawo. Kulipira pang'ono kumatha kuyambira 20-50 peresenti (osati konsekonse). Nyumba zingapo zapamwamba zitha kulimbikira kugula ndalama zonse popanda ndalama zololedwa.
• Vuto Lachiwiri: Chiŵerengero cha ngongole ndi ndalama. Kuchuluka kwa ngongole ya mwezi ndi mwezi ya wogula yogawidwa ndi ndalama zomwe amapeza pamwezi. Kwa ma co-ops ambiri ngongole yovomerezeka yopeza ndalama imakwera pa 25-30 peresenti. Ma board ambiri amayang'ananso chithunzi chonse chazachuma. Ngati wina ali pa Social Security ndipo amabweretsa $ 2100 pamwezi, koma ali ndi $ 10 miliyoni kubanki kapena ndalama, chiŵerengero cha ngongole ndi ndalama sichingakhale vuto.
• Vuto Lachitatu. Malipiro a pambuyo potseka. Kuchuluka kwa ndalama zomwe zingapezeke mosavuta kwa wofuna kugula pambuyo pobweza. Izi zingaphatikizepo ndalama kubanki, msika wandalama ndi/kapena masheya, mbiri ya masheya, mabilu a Treasury, ziphaso zosungitsa (zotengedwa ngati madzi). Ma IRA ndi maakaunti ena opuma pantchito samatengedwa ngati madzi, komanso inshuwaransi ya moyo, magawo omwe sanagulitsidwe azinthu kapena katundu wamunthu (ie, malo, ntchito zaluso).
Lamulo la chala chachikulu - wogula ayenera kukhala ndi ndalama zokwanira kulipira ngongole yanyumba ndi kukonza kwa zaka ziwiri ngati ndalama zake zimatha pazifukwa zina, monga kuchotsedwa ntchito kapena matenda.
Mabodi nthawi zina amakhazikika kwa chaka chimodzi chandalama ndi chaka chimodzi chandalama zomwe zimayikidwa mu escrow zomwe zimalola wogula kuti akweze ndalama za escrow pogulitsa zinthu zamadzimadzi pasadakhale ndikupatsa ma board mtendere wamumtima.
Ma board ena amadziwitsa ma broker ndi ogula za manambala omwe amafunikira patsogolo kuti apewe nthawi ndi zovuta zowunika anthu omwe alibe mwayi wovomerezeka. Ma board ena alibe zofunika mtheradi ndipo amaweruza pazochitika ndi milandu.
Zowopsa motsutsana ndi Mphotho
Zogula zonse zimakhala ndi chiopsezo. Pankhani yogula co-op ya NYC, zinthu zambiri sizili m'manja mwa wogula, kuphatikizapo nyumba yosasamalidwa bwino, bolodi laulesi la co-op kapena ogwira ntchito osaphunzitsidwa kapena osakwanira. Ogawana nawo angafunike kuthana ndi mayeso apadera osayembekezereka omwe aperekedwa ndi BOD pakukonzanso nyumba zazikulu zomwe sizinali kuyembekezera ndipo zolipirira zolipirira zitha kukwera mwachangu kuposa kukwera kwa inflation. BOD ikhoza kusintha kagawo kakang'ono kapena ndondomeko zina, kupanga kubwereka nyumba ndi / kapena kukhala ndi ziweto kukhala kosatheka. Kugulitsa nyumba yanu kungakhale kovuta chifukwa cha kukana kopanda chifukwa kwa omwe akufuna kugula chifukwa membala wa BOD amakukwiyirani.
Kupita Patsogolo
Mwapeza nyumba ya maloto anu. Woyimira mlandu wanu, wowerengera ndalama, wopanga mkati, womanga nyumba ndi banja onse ali patsamba limodzi. Inu ndi eni ake mwagwirizana pamtengo wogulitsa ndipo tsopano ndi nthawi yotseka.
Nthawi Yotseka
Nthawi yotseka ya Co-op ku NYC ingatenge miyezi 2-3 kuchokera pomwe pali mgwirizano wogula; komabe, mu DZIKO LAPANSI utali wa nthawi yomwe imatenga kutseka ndipo zimatengera zinthu zingapo ndipo zitha kukhala kunja kuwongolera mwachindunji kwa wogula:
1. Kugula ndalama zonse kugula nyumba yothandizira. Konzani pa miyezi 2-3 (kapena kuchepera) ...
2. Kugula kuchokera ku malo ndi loya wosazindikira - kuchedwa
3. Phukusi la bolodi la Co-op likhoza kukhala losakwanira kapena lili ndi zolakwika - kuchedwa
4. Woyang'anira amachedwetsa kuwunikanso ntchito ndikuyitumiza ku board - kuchedwa
5. Bungwe la Co-op likuwunika zambiri zogulitsa ndipo akupikisana kuti asamavutike ndi BOD - kuchedwa
6. Phukusi la Board lomwe latumizidwa panthawi yatchuthi - kuchedwa
7. Funsani mikangano yokonzekera (inu ndi BOD) - kuchedwa
8. BOD singapange chisankho – kuchedwa
9. Wogulitsa kapena wogula sakugwirizana - kuchedwa
Malipiro Otseka
• Ndalama za Attorney. Kuchokera pa $1,500-$4,000. Nthawi zambiri amalipidwa akamaliza kugulitsa. Pakhoza kukhala ndalama zowonjezera kwa loya wa banki ($ 1,000).
• Msonko wa Nyumba. Poyambira msonkho wa nyumba yayikulu ku New York City ndi $1,000,000 (ndikokayikitsa kuti nyumba yayikulu ikugulitsidwa pamtengo uwu). Mwaukadaulo, msonkho umatengedwa ngati msonkho wosamutsa, womwe umaperekedwa ndi wogula pa katundu wofanana kapena wokulirapo kuposa $1,000,000. Misonkhoyo imasiyanasiyana ndipo ndi chiwerengero cha omaliza maphunziro kuyambira pa 1 peresenti kuwonjezeka kutengera mitengo yogulira kufika pa 3.9 peresenti ya katundu $25,000,000 kapena kuposerapo.
• Mutu Insurance (Ma Condos okha). Kugula kondomu ndikupeza ngongole kumafuna inshuwaransi yamutu ndipo nthawi zambiri imakhala ndi 0.45 peresenti yamtengo wogula. Amapezedwa kuti ateteze ogula ndi obwereketsa kuzinthu zomwe zimafuna kuti katunduyo akhale mwini nyumbayo.
• Kujambula kwa Mortgage Msonkho (Macondo okha). Izi zimafuna kuti ogula alipire 1.8 peresenti pa ngongole yanyumba yosachepera $ 5,000,000 ndi 1.925 peresenti pa ngongole yanyumba yoposa $ 500,000. Izi ndi ndalama zangongole osati mtengo wogulira. Panyumba yapakati ku Manhattan $2,000,000 yokhala ndi 20 peresenti pansi, pali chiwongola dzanja cha 1.925 peresenti pa ngongole ya $1,600,000 pafupifupi $30,800 pamisonkho yojambulira nyumba yokha.
• Flip Tax (Co-ops). Izi ndi ndalama zolipiridwa kwa co-op panthawi yogulitsa nyumba za co-op. Ndalamazo si msonkho mwaukadaulo choncho sizimachotsedwa ngati msonkho wa katundu. Kuchuluka kwa msonkho wapaulendo ndi amene amalipira (wogula kapena wogulitsa) zimasiyana kuchokera ku co-op kupita ku co-op. Zambiri zimafotokozedwa mu lease yanyumba kapena co-op ndi malamulo.
• Ndalama zowonjezera. Malipiro obwereketsa nyumba, ndalama zolemberanso, zochitika, ndi zina.
• New York State & NYC Transfer Misonkho (Ma Condos Otukuka Atsopano okha). (prevu.com)
Pomaliza
Mgwirizanowo ukatha, wogula amapatsa wogulitsa ndalama zake. Wogulitsa amapatsa wogula chikalata (cha condos) kapena lendi yaumwini (ya co-op) ndipo aliyense amapitilira ndi moyo wake.
Chidziwitso Chomaliza
Ndinasamukira ku New York City chifukwa cha thanzi langa.
Ndine wokayikira, ndipo ndi malo okhawo omwe mantha anga anali omveka. (Anita Weiss)
© Dr. Elinor Garely. Nkhani yakulemba, kuphatikiza zithunzi, sizingatengeredwe popanda chilolezo cholemba kuchokera kwa wolemba.
Mndandanda:
Gawo 1. New York City: Malo abwino ochezera koma… Mukufunadi kukhala kuno?
Gawo 2. Co-ops mu Crises
Gawo 3. Kugulitsa Co-op? Zabwino zonse!
Gawo 4. Co-ps: Kumene ndalama zanu zimapita
Chomaliza koma osati chosafunikira:
Gawo 5. TASASINAKUMBA DEMBE LA NDALAMA ZA CO-OP
