Jonga ngaphambi kokuba utsibe eweni
1. Iplani yenkunzi yesakhiwo
2. Ukuphuculwa kwenkunzi (imbali yangaphambili kunye nezicwangciso zexesha elizayo ezibandakanya uqikelelo lweendleko kunye nexesha elimiselweyo)
3. I-Mortgage yesakhiwo (yiyiphi imimiselo / imiqathango / ukhetho lokuhlaziya)
4. Isivumelwano solawulo (inkampani ngoku ebambe ikhontrakthi yolawulo; iindleko/iinkonzo)
5. Uphando lwe-asbestos kwiindawo zikawonke-wonke kunye nezindlu
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7. Iimitha zamanzi/zombane. Iindleko zonyaka ngamnye kufuneka ziqwalaselwe. Ngaba iindleko ziyafana unyaka nonyaka?
Ipakethe yesicelo. Intloko PHEZULU (Ndlela PHEZULU)
Kukho imiqathango emithathu wonke umthengi onokubakho afanele ayikhumbuze: intlawulo ephantsi, umlinganiselo wetyala-kwingeniso kunye nokungabikho kwemali emva kokuvalwa.
• Umqobo wokuqala: Intlawulo ephantsi yimali yokuqala umthengi uhlawula umthengisi kunye nemali eseleyo ukuba ihlawulwe yibhanki okanye omnye umbolekisi. Ii-Co-ops zifuna abanini-mali babe ne-equity kumakhaya abo. Intlawulo ephantsi inokusebenza ukusuka kwi-20-50 ekhulwini (kungekhona jikelele). Izakhiwo ezimbalwa ezikumgangatho ophezulu zinokunyanzelisa ukuba kuthengwe imali eyimali yonke ngaphandle kwenkxaso-mali evunyelweyo.
• Umqobo weSibini: Umlinganiselo wetyala-kwingeniso. Isixa setyala lenyanga lomthengi lahlulwe ngomvuzo wakhe wenyanga. Kwii-co-ops ezininzi ityala elivumelekileyo kumlinganiselo wengeniso liphuma kuma-25-30 ekhulwini. Iibhodi ezininzi zikwajonga umfanekiso wemali ngokubanzi. Ukuba umntu ukuKhuseleko lweNtlalo kwaye uzisa kuphela i-2100 yeedola ngenyanga, kodwa une-10 yezigidi zeedola ebhankini okanye utyalo-mali, umlinganiselo wetyala-kwingeniso usenokungabi ngumba.
• Umqobo wesithathu. Ukungabikho kwemali emva kokuvalwa. Isixa semali esifumaneka lula kulowo uza kuba ngumthengi emva kokwenza intlawulo ephantsi. Oku kunokubandakanya imali esebhankini, imarike yemali kunye/okanye iingxowa-mali zesitokhwe, ipotfoliyo yesitokhwe, amatyala kaNondyebo, izatifikethi zedipozithi (ezithathwa njengelulwelo). Ii-IRAs kunye nezinye ii-akhawunti zomhlalaphantsi azijongwa njenge-liquid, okanye iipolisi ze-inshorensi yobomi, izabelo ezingatyalwanga zesitokhwe okanye zepropathi yomntu (okt, real estate, imisebenzi yobugcisa).
Umgaqo-siseko - umthengi kufuneka abe nemali eyaneleyo yokuhlawula imali mboleko kunye nesondlo iminyaka emibini xa umvuzo wakhe uphela ngenxa yezizathu ezithile, ezifana nokuyeka umsebenzi okanye ukugula.
Iibhodi ngamanye amaxesha zihlawula unyaka omnye wokungabi namali kunye nonyaka omnye wemali efakwe kwi-escrow evumela lowo unokuba ngumthengi ukuba anyuse imali ye-escrow ngokuthengisa izinto ezingamaxabiso ngaphambi kwexesha kwaye inike iibhodi uxolo lwengqondo.
Ezinye iibhodi ziya kwazisa abarhwebi kunye nabathengi malunga neemfuno zabo zamanani ngaphambili ukuze kuthintelwe ixesha kunye nengxaki yokuhlola abantu abanamathuba amancinci okwamkelwa. Ezinye iibhodi azinazo iimfuno ezipheleleyo kwaye zenza izigwebo kwimeko-ngetyala.
Imingcipheko vs. Imivuzo
Zonke izinto ezithengiweyo zinomngcipheko. Kwimeko yokuthenga i-NYC co-op, izinto ezininzi azikho kulawulo lomthengi, kubandakanywa isakhiwo esingalawulwa kakuhle, ibhodi yokubambisana eyonqenayo okanye abasebenzi abangaqeqeshwanga okanye abangonelanga. Abaninizabelo kusenokufuneka bajongane novavanyo olulodwa olungalindelekanga olutsalwa yi-BOD kulungiso olukhulu lwezakhiwo ebekungalindelekanga kwaye iintlawulo zolondolozo zinokunyuka ngokukhawuleza kunokwenyuka kwamaxabiso. I-BOD inokutshintsha i-sublet okanye eminye imigaqo-nkqubo, yenze ukuba irenti yezindlu kunye/okanye ubunini bezilwanyana kungabikho. Ukuthengisa indlu yakho kunokuba ngumceli mngeni ngenxa yokukhatywa kwebhodi ngokungekho mthethweni kwabo baza kuba ngabathengi ngenxa yokuba ilungu le-BOD likuphethe kakubi.
Ukuya phambili
Uyifumene indlu yamaphupha akho. Igqwetha lakho, i-accountant, umyili wangaphakathi, umyili wezakhiwo kunye nosapho zonke zikwiphepha elinye. Wena nomnini nifikelele kwisivumelwano ngexabiso lentengiso kwaye ngoku lixesha lokuvala.
Ixesha lokuvala
Ixesha lokuvala i-Co-op kwi-NYC lingathatha iinyanga ze-2-3 ukusuka kwixesha apho kukho isivumelwano sokuthenga esayiniweyo; nangona kunjalo, kwilizwe le-REAL ubude bexesha elithathayo ukuvala kwaye kuxhomekeke kwizinto ezininzi kwaye kunokuba ngaphandle ngokuthe ngqo kulawulo oluthe ngqo lomthengi:
1. Zonke iimali ezithengiweyo zithenga indawo yokuhlala yomxhasi. Cwangcisa kwiinyanga ezi-2-3 (okanye ngaphantsi) ... kodwa,
2. Ukuthenga kwi-estate kunye negqwetha elingenamava - ukulibaziseka
3. Iphakheji yebhodi ye-Co-op inokuthi ingaphelelanga okanye iqulethe iimpazamo - ukulibaziseka
4. I-arhente elawulayo iyacotha ekuphononongeni isicelo kwaye iyakuhlehlisa ukusithumela ebhodini – ulibaziseko
5. Ibhodi yokubambisana iphonononga iintengiso ezininzi kwaye zikhuphisana ne-BOD ingqalelo - ukulibaziseka
6. Iphakheji yebhodi ingeniswe ngexesha leeholide - ukulibaziseka
7. Udliwano-ndlebe lokucwangcisa iingxabano (wena kunye neBOD) - ukulibaziseka
8. I-BOD ayikwazi ukwenza isigqibo - ukulibaziseka
9. Umthengisi okanye umthengi akanantsebenziswano - ukulibaziseka
Iindleko zokuvala
• Iintlawulo zamaGqwetha. Uluhlu ukusuka $1,500-$4,000. Idla ngokuhlawulwa xa kuvalwe intengiselwano. Kusenokubakho intlawulo eyongezelelweyo yegqwetha lebhanki ($1,000).
• Irhafu Yezindlu. Umda werhafu yendlu enkulu kwisiXeko saseNew York yi-1,000,000 yeedola (akunakwenzeka ukuba indlu enkulu ithengise ngeli xabiso). Ngokobuchwephesha irhafu ithathwa njengerhafu yokudluliselwa, ehlawulwa ngumthengi kwiipropati ezilingana okanye ezinkulu kune-$ 1,000,000. Ixabiso lerhafu liyahluka kwaye liyireyithi yokuphumelela eqala kwi-1 yepesenti ekhulayo ngokusekelwe kuluhlu lwamaxabiso okuthenga ukuya kubuninzi be-3.9 yeepesenti kwiipropati $ 25,000,000 okanye ngaphezulu.
• I-inshurensi yesihloko (iiCondos kuphela). Ukuthenga i-condo kunye nokufumana i-mortgage kufuna i-inshurensi yetayitile kwaye ngokuqhelekileyo iqhuba i-0.45 yepesenti yexabiso lokuthenga. Ifunyanwa ukukhusela abathengi kunye nababolekisi kumabango etayitile yepropati phambi kokuba ube nekhaya.
• Ukurekhodwa kwe-Mortgage Irhafu (iiCondos kuphela). Oku kufuna ukuba abathengi bahlawule i-1.8 yepesenti kwiimali ze-mortgage phantsi kwe-$ 5,000,000 kunye ne-1.925 yepesenti kwiimali ze-mortgage ngaphezu kwe-$ 500,000. Le yimali-mboleko hayi ixabiso lokuthenga. Kwi-avareji yefulethi eManhattan nge-2,000,000 yeedola kunye ne-20 yepesenti ezantsi, kukho intlawulo ye-1.925 yepesenti kwi-1,600,000 yesixa-mali semali-mboleko eqikelelwa kwi-30,800 yeedola kwirhafu yokurekhoda i-mortgage yodwa.
• Irhafu yeFlip (Amaqabane). Le yintlawulo yokudluliselwa ehlawulwa kwi-co-op ngexesha le-co-op yentengiso yeflethi. Umrhumo awuyiyo irhafu ngokobugcisa kwaye ke ayitsalwa njengerhafu yepropathi. Isixa serhafu yeflip kunye nokuba ngubani oyihlawulelayo (umthengi okanye umthengisi) iyahluka ukusuka kwi-co-op ukuya kwi-co-op. Ulwazi luchazwe ngokubanzi kwingqeshiso yomnini wezakhiwo okanye intsebenziswano yimithetho.
• Imali eyongezelelweyo. Imirhumo ye-mortgage, iindleko zokurekhoda, iziganeko, njl.
• ISixeko saseNew York kunye neeRhafu zokuTshintshela zeNYC (IiCondos zoPhuhliso eziNtsha Kuphela). (prevu.com)
ekugqibeleni
Xa isivumelwano sigqityiwe, umthengi unika umthengisi imali yakhe. Umthengisi unika umthengi isiqinisekiso (seecondos) okanye isivumelwano sobunini (soosomashishini) kwaye wonke umntu uyaqhubeka nobomi bakhe.
Inqaku lokugqibela
Ndafudukela kwisiXeko saseNew York ngenxa yempilo yam.
Ndine-paranoid, kwaye yayikuphela kwendawo apho uloyiko lwam lwaluthetheleleka. (Anita Weiss)
© UGqirha Elinor Garely. Inqaku lelungelo lokushicilela, kubandakanya iifoto, alinakuphinda liveliswe ngaphandle kwemvume ebhaliweyo evela kumbhali.
Uthotho:
Icandelo 1. IsiXeko saseNew York: Indawo entle yokundwendwela kodwa… Ufuna ngokwenene ukuhlala apha?
Icandelo 2. Co-ops kwiiNgxaki
Icandelo 3. Ukuthengisa iCo-op? Umnqweno omhle
Icandelo 4. Co-ps: apho iya khona imali yakho
Eyokugqibela kodwa engancinananga:
Isigaba 5. PHAMBI KOKUSOMBA UMGODI WEMALI WE-CO-OP
