Ma mua o ka ʻeli ʻana i ka lua kālā co-op

E nānā ma mua o ka lele ʻana i ka pali

1. Hoʻolālā kālā no ka hale

2. Hoʻomaikaʻi kālā (ka mōʻaukala i hala a me nā hoʻolālā o ka wā e hiki mai ana me nā koho kumukūʻai a me ka manawa manawa)

3. ʻO ka moraki no ka hale (he aha nā ʻōlelo/kūlana/koho hou)

4. ʻaelike hoʻokele (ka hui e paʻa nei i ka ʻaelike hoʻokele; koina/lawelawe)

5. Nānā Asbestos ma nā wahi ākea a me nā lumi hale

6. E popopo ana i na papa puka makani ma ka hale lalo a me na wahi lehulehu e ae i wahi e komo ai no na rodents a me ka poino wai.

7. Nā mika wai / uila. Pono e nānā ʻia nā koina no kēlā me kēia makahiki. Ua like nā koina i kēlā me kēia makahiki?

Puke noi. Nā poʻo i luna (Ala i luna)

ʻEkolu mau huaʻōlelo e pono e hoʻomanaʻo i kēlā me kēia mea kūʻai co-op: uku hoʻohaʻahaʻa, ʻaiʻē-i-loaʻa ratio a me ka wai ma hope o ka pani ʻana.

•             Hurdle ʻEkahi: ʻO ka uku mua ka ʻāpana kālā mua a ka mea kūʻai aku e uku i ka mea kūʻai aku me ke koena kālā e hoʻolimalima ʻia e kahi panakō a mea ʻē aʻe paha. Makemake ʻo Co-ops e loaʻa i nā mea nona ke kaulike ma ko lākou mau home. Hiki ke holo ka uku haʻahaʻa mai 20-50 pakeneka (ʻaʻole honua). Hiki i kekahi mau hale kūlana kiʻekiʻe ke koi i nā kūʻai kālā āpau me ka ʻae ʻole ʻia ke kālā.

•             Hurdle ʻElua: Lakiō ʻaiʻē i ka loaʻa kālā. ʻO ka nui o ka ʻaiʻē a ka mea kūʻai aku i kēlā me kēia mahina i puʻunaue ʻia me kāna loaʻa kālā o kēlā me kēia mahina. No nā hui he nui, ʻoi aku ka nui o ka hōʻaiʻē ʻae ʻia i ka lakene kālā ma 25-30 pakeneka. Nui nā papa e nānā i ke kiʻi kālā holoʻokoʻa. Inā aia kekahi ma ka Social Security a lawe mai i $2100 wale nō i kēlā me kēia mahina, akā he $ 10 miliona i loko o ka panakō a i ʻole nā ​​​​mea hoʻopukapuka, ʻaʻole paha he pilikia ka ʻaiʻē i ka loaʻa kālā. 

•             Hurdle ʻEkolu. Waiwai ma hope o ka pani ʻana. ʻO ka nui o ke kālā i loaʻa koke i ka mea kūʻai aku ma hope o ka uku ʻana. Hiki i kēia ke hoʻokomo i ke kālā i loko o ka panakō, ka mākeke kālā a/a i ʻole nā ​​waihona kālā, nā waihona waiwai, nā bila Waihona, nā palapala hōʻoia o ka waiho ʻana (manaʻo ʻia he wai). ʻAʻole manaʻo ʻia nā IRA a me nā moʻokāki hoʻomaha ʻē aʻe he wai, ʻaʻole hoʻi nā kulekele ʻinikua ola, nā ʻāpana waiwai ʻole a i ʻole nā ​​​​waiwai pilikino (ʻo ia hoʻi, nā waiwai paʻa, nā hana noʻeau).

ʻO ke kānāwai o ke koʻokoʻo - pono e loaʻa i ka mea kūʻai ke kālā ma ka lima e uku i ka moraki a me ka mālama ʻana no ʻelua makahiki inā pau kāna loaʻa kālā no kekahi kumu, e like me ka haʻalele ʻana i ka hana a i ʻole ka maʻi.

Hoʻokahi manawa e hoʻoholo ai nā papa no hoʻokahi makahiki a me hoʻokahi makahiki o ke kālā i waiho ʻia i ka escrow e hiki ai i ka mea kūʻai aku ke hoʻonui i ke kālā escrow ma ke kūʻai ʻana i nā waiwai wai ma mua o ka manawa a hāʻawi i ka maluhia o ka noʻonoʻo.

E haʻi aku kekahi mau papa i nā mea kūʻai aku a me nā mea kūʻai aku e pili ana i kā lākou helu helu i mua i mea e pale aku ai i ka manawa a me ka pilikia o ka nānā ʻana i nā poʻe me ka liʻiliʻi o ka ʻae ʻia. ʻAʻohe koi koʻikoʻi o nā papa ʻē aʻe a hoʻoholo i kēlā me kēia hihia.

Pilikia vs

Loaʻa nā kūʻai a pau i ka pilikia. I ka hihia o ke kūʻai ʻana i kahi hui NYC, ʻaʻole i loko o ka mana o ka mea kūʻai aku nā kumu he nui, ʻo ia hoʻi kahi hale hoʻokele maikaʻi ʻole, kahi papa hana palaualelo a i ʻole nā ​​​​limahana hale i aʻo ʻole ʻia. Hiki i nā mea kuleana ke hana i nā loiloi kūikawā i manaʻo ʻole ʻia e ka BOD no ka hoʻoponopono ʻana i nā hale nui i manaʻo ʻole ʻia a ʻoi aku ka wikiwiki o nā uku mālama ma mua o ka hoʻonui ʻana. Hiki i ka BOD ke hoʻololi i ka sublet a i ʻole nā ​​kulekele ʻē aʻe, i hiki ʻole ai i ka hoʻolimalima hale a/a i ʻole ka mālama holoholona. He mea paʻakikī paha ke kūʻai aku ʻana i kāu keʻena ma muli o ka hōʻole ʻole ʻana o ka papa i nā mea kūʻai aku no ka mea e hoʻopaʻa nei kekahi lālā o ka BOD iā ʻoe.

Ke hele nei i mua

Ua loaʻa iā ʻoe ke keʻena o kāu mau moeʻuhane. Aia kāu loio, mea helu, mea hoʻolālā hale, hale kiʻi a me kou ʻohana ma ka ʻaoʻao hoʻokahi. Ua ʻaelike ʻoe a me ka mea nona ke kumukūʻai kūʻai a ʻo ka manawa kēia e pani ai.

Manawa e pani

ʻO ka manawa pani o Co-op ma NYC hiki ke lawe i 2-3 mau mahina mai ka manawa i loaʻa ai kahi ʻaelike kūʻai i kau inoa ʻia; akā naʻe, ma ka honua REAL ka lōʻihi o ka manawa e pani ai a hilinaʻi i nā kumu he nui a aia paha ma waho i ka mana pololei o ka mea kūʻai:

1. ʻO nā kūʻai kālā āpau e kūʻai ana i kahi hale kākoʻo. E hoʻolālā i nā mahina 2-3 (a i ʻole ka liʻiliʻi)…akā,

2. Ke kūʻai ʻana mai kahi ʻāina me kahi loio ʻike ʻole - lohi

3. ʻAʻole paha i piha ka pūʻolo papa co-op a loaʻa paha nā hewa - lohi

4.            Ua lohi ka luna hoʻomalu i ka nānā ʻana i ka palapala noi a hoʻopaneʻe i ka hoʻouna ʻana i ka papa – hoʻopaneʻe.

5.            Ke nānā nei ka papa hui i nā kūʻai he nui a ke hoʻokūkū nei lākou no ka nānā ʻana o BOD – hoʻopaneʻe.

6.            Hoʻouna ʻia ka pūʻolo papa i ka wā hoʻomaha - lohi

7.            Nā paio hoʻonohonoho ninaninau (ʻo ʻoe a me ka BOD) – lohi

8.            ʻAʻole hiki i ka BOD ke hoʻoholo - lohi

9.            ʻAʻole hui like ka mea kūʻai aku a i ʻole ka mea kūʻai mai – lohi

Nā Koina Pani

•             Uku Loio. Mai ka $1,500-$4,000. Uku maʻamau i ka pau ʻana o ke kālepa. Aia paha he uku hou no ka loio o ka panakō ($1,000).

•             Auhau Mansion. ʻO ka paepae no ka ʻauhau hale ma New York City he $1,000,000 (ʻaʻole paha e kūʻai ʻia kahi hale ma kēia kumukūʻai). Manaʻo ʻia ka ʻauhau he ʻauhau hoʻoili, i uku ʻia e ka mea kūʻai aku ma nā waiwai i like a ʻoi aku paha ma mua o $1,000,000. ʻOkoʻa ka nui o ka ʻauhau a he helu puka puka e hoʻomaka ana ma ka 1 pākēneka e hoʻonui ana ma muli o nā pae o nā kumukūʻai kūʻai aku i kahi kiʻekiʻe o 3.9 pakeneka no nā waiwai $25,000,000 a ʻoi aku paha.

•             Inikua poʻo inoa (Condos wale nō). ʻO ke kūʻai ʻana i kahi condo a me ka loaʻa ʻana o ka moraki e pono ai ka ʻinikua inoa a holo maʻamau i ka 0.45 pakeneka o ke kumu kūʻai. Loaʻa ia e pale aku i nā mea kūʻai aku a me nā mea hāʻawi kālā mai nā koi o ke kuleana o ka waiwai ma mua o ka loaʻa ʻana o ka home.

•             Palapala Moraki ʻauhau (Condos wale nō). Pono kēia i ka poʻe kūʻai mai e uku i ka 1.8 pākēneka ma nā huina moraki ma lalo o $5,000,000 a me 1.925 pākēneka ma nā huina moraki ma luna o $500,000. ʻO kēia ka nui o ka hōʻaiʻē a ʻaʻole ke kumu kūʻai. No kahi hale maʻamau ma Manhattan no $2,000,000 me ka 20 pakeneka i lalo, aia he 1.925 pakeneka uku ma ka $1,600,000 hōʻaiʻē nui o $30,800 no ka ʻauhau hoʻopaʻa moraki wale nō.

•             Auhau Flip (Co-ops). He uku hoʻoili kēia i uku ʻia i ka co-op i ka wā o kahi kālepa kūʻai hale hale co-op. ʻAʻole ʻauhau ʻia ka uku a no laila ʻaʻole hiki ke unuhi ʻia ma ke ʻano he ʻauhau waiwai. ʻO ka nui o ka ʻauhau hoʻololi a me ka mea nāna e uku iā ia (mea kūʻai a mea kūʻai aku paha) ʻokoʻa mai ka co-op a co-op. Hōʻike pinepine ʻia ka ʻike i loko o nā hale hoʻolimalima waiwai a i ʻole co-op e nā kānāwai.

•             Uku hou aku. ʻO nā uku moraki, nā koina hoʻopaʻa hou ʻana, nā pilikia, etc.

•             Nā ʻauhau Hoʻoili Mokuʻāina ʻo New York & NYC (Nā Condos Hoʻomohala Hou wale nō). (prevu.com)

Eia ke oki

Ke pau ka ʻaelike, hāʻawi ka mea kūʻai aku i ka mea kūʻai aku i kā lākou kālā. Hāʻawi ka mea kūʻai aku i ka mea kūʻai aku i ka palapala (no nā condos) a i ʻole ka hoʻolimalima waiwai (no nā co-ops) a neʻe nā mea a pau me ko lākou ola.

He Kaha Hope

Ua neʻe au i New York City no koʻu olakino.

He paranoid wau, a ʻo ia wale nō kahi i hoʻāpono ʻia ai koʻu mau makaʻu. (Anita Weiss)

© Kauka Elinor Garely. ʻAʻole hiki ke kope ʻia kēia ʻatikala kope, me nā kiʻi, me ka ʻole o ka ʻae palapala ʻia mai ka mea kākau.

ʻO ka moʻo:

Māhele 1. New York City: He wahi maikaʻi e kipa aku ai akā… makemake maoli e noho ma aneʻi?

Māhele 2. Nā hui i loko o nā pilikia

Māhele 3. Ke kūʻai aku nei i kahi Co-op? Laki maikaʻi!

Māhele 4. Co-ps: Ma hea kāu kālā e hele ai

ʻO ka mea hope loa:

Mahele 5. MAMUA O KA ELI I KA LU DALA CO-OP