Ngaba ukulungele ukushiya indawo yokuhlala ngasemva, kodwa ungakulungelanga uxanduva lweyadi kunye neenyawo ezili-1,800 zesikwere sangaphakathi? Ikhondomu ikunika zonke iinzuzo zokuba ngumnini makhaya kodwa ngaphandle kwayo yonke imisebenzi eza nokukhathalela ikhaya losapho olunye-njengokwakha amagqabi, ukuchetywa kwengca, okanye ukucoca iigatha.
Nangona i-condo lulungelelwaniso olukhulu kwabo bangakulungelanga ukuthatha ithuba lokuqhuba indlu iphela, kukho umahluko omkhulu phakathi kwe-condo kunye nekhaya elinosapho olunye ekufuneka abathengi bazi ngalo xa belungiselela ukuthenga enye. Ngaba ufuna ukufunda indlela yokuthenga i-condo? Nalu ulwazi oluluncedo:
Okokuqala, yintoni ikhondomu?
Umntu angayichaza njani ikhondomu? Kwaye yahluke njani kunendawo yokuhlala? Ikhondomu yindawo yokuhlala enye umntu anayo ngaphakathi kwisakhiwo seentsapho ezininzi. Ulwakhiwo, indawo yokuhlala kunye nekhondomu ziyafana kuba kukho iiyunithi ezininzi kwisakhiwo esinye, kodwa umahluko ophambili kukuba iiflethi zihlala zirenta kwaye iiyunithi zekhondomu ngabanini bazo.
Ukongeza kwimali mboleko, abanini beekhondomu bahlawula umrhumo wenyanga okanye wekota kumbutho wabanini bamakhaya, ogcina imali ibekelwe ukugcinwa kwazo naziphi na iindawo ekwabelwana ngazo ezinjengeyadi, iindawo eziqhelekileyo (indawo yokuzivocavoca, iphuli, njalo njalo) kunye nezakhiwo ekwabelwana ngazo, ezinje njengophahla.
Zeziphi izinto ezilungileyo nezimbi ngokuthenga ikhondomu?
Kukho into eninzi ekufuneka uyiqwalasele xa uzama ukuthatha isigqibo sokuba ngaba i-condo luhlobo olufanelekileyo lwekhaya lakho.
Ukuba uyakuxabisa ukusondela kwiziko ledolophu, indlela yokuphila eyoyikekayo, ufuna ukuthatha ithuba lesakhiwo esinezinto ezinje ngejimu kunye nephuli kwaye awufuni kuphazanyiswa lulondolozo lwasekhaya olugqithisileyo kunye nokulungiswa, ikhondomu inokuba lukhetho olufanelekileyo wena, utsho UKristen Pollock Umthengisi wezindlu e-Atlanta.
Nangona kunjalo, i-condo-ngakumbi i-condos kunye nemibutho ekufunwa ukuba bonke abahlali babe kuyo-inokuza nemitya ethile eqhotyoshelweyo, utsho UJody Zink Umthengisi wezindlu eToledo, eOhio.
Ayizizo zonke imibutho ye-condo efanayo. Akukho zimbini ezifanayo. Ngenxa yoko, kuya kufuneka ujonge imigaqo eyahlukeneyo okanye imigibe enokubakho, okanye iifizi ongakhange uzilindele ngenye indlela, utshilo.
Ngoku, nazi i-15 yezona ngcebiso zethu zithengiweyo zokuthenga iikhondomu kwiingcali zorhwebo kwilizwe liphela:
1. Jonga ikepusi yokurenta xa uthenga ikhondomu yotyalo-mali
Ukuthenga i-condo kunokuba yindlela yokuqhekeka ube ngumnini-mhlaba, kodwa qaphela nayiphi na imigaqo ekuqeshweni kweyunithi, uthi U-Jesse Sheldon Ummeli wearhente yokuthengiswa kwezindlu eKirkland, Washington.
Uninzi lwezixhobo zinemigaqo-nkqubo malunga nokuba ungayijika na i-condo yakho ibe yirente. Abanye banemithetho ethi akukho zirenti zivunyelwe konke konke, ngelixa abanye benayo ikepusi kwinani lerente, utshilo uSheldon.
2. Lungiselela ezopolitiko
Xa naliphi na iqela labantu lihlala kunye phantsi kophahla olunye, kunokubakho ingxaki. Hlanganisa oko kunye nokwenza izigqibo zezezimali zeqela kwaye unayo iresiphi yemeko yokuhlala ehlawuliswe kakhulu. Kuxhomekeka kwindlela osebenza ngayo umbutho wakho, kunokubakho ngokwaneleyo koovimba (i-AKA imbiza yemali enefizi ye-HOA) yokujongana neeprojekthi ezinkulu zolondolozo njengokutshintsha uphahla, okanye kunokuba yimeko apho wonke umntu kufuneka avume ukufaka igalelo xa kufuneka pops up.
Wonke umntu kufuneka avumelane ngokungena [kwiiprojekthi]. Kodwa ukuba kukho umfana kwiyunithi enye engafuniyo, inokuba luhlobo lokuncamathela, utsho uZink. Ngamanye amagama, wonke umntu kufuneka abekho kwiphepha elinye.
zithetha ukuthini 444
Ngaphambi kokuba uthenge i-condo, ngena ngokuqonda ukuba kuya kufuneka uthethathethane okanye usebenze ngezinto kwintlanganiso ye-HOA nabanye abahlali ukuze ufumane imisebenzi.
3. Qonda iinyani zokuthenga i-condo vs. ukuthenga indlu
Xa uthenga ikhondomu, ungumnini wendawo yakho yangaphakathi, kodwa hayi ngaphandle, ngelixa uthenga indlu, ufumana yonke ikiti kunye nekhaboodle. (Funda: Ukuthenga indlu kuza nenkululeko engakumbi.) Ke ikhona loo nto, kunye nenyaniso yokuba usondele kubo bonke abamelwane bakho.
Ukwabelana ngeendonga kunye neendawo eziqhelekileyo ayinguye wonke umntu. Oku kuhlala kuluntu kufutshane kunokuba yimvakalelo yokuhlaselwa okanye ukudana, utsho UBryce Fuller , iarhente yokuthengiswa kwezindlu eGlenview, Ill. Igaraji ekwabelwana ngazo, iindawo zebhokisi yeposi, iipaseji, iifoyers, amachibi, iilifti, izinyuko, kunye neendawo zokuzilolonga zixhomekeke ekusebenziseni wonke umntu.
4. Imali inokuba nzima ngakumbi
Njengokuba ufumana imali yokuthenga indlu bekungekho nzima ngokwaneleyo, zininzi iihupu zokutsiba xa uthenga ikhondomu, utshilo uFuller.
Ababolekisi bakholisa ukuhlawulisa inzala ephezulu kancinci [yee-condos] kwaye bayakufuna ukubona uhlahlo-lwabiwo mali lomanyano, oovimba, mhlawumbi nemithetho nemigaqo, utshilo. Ukuba zininzi iiyunithi eziqeshiweyo ngaphandle, ngamanye amaxesha imali inzima ngakumbi. Kuxhomekeke kumbolekisi, intlawulo yakho efunekayo yokuhlawulwa inokude ibe ngaphezulu.
Nangona imali inzima kakhulu, ngokuqinisekileyo ayinakwenzeka. Thetha kwiarhente yakho kunye nombolekisi ukuze ubone ukuba ngawaphi amaxwebhu ongezelelweyo e-condo oza kuyidinga ukwenza ukuba inkqubo ihambe kakuhle.
5. Ayizizo zonke iikhondomu eziza kusebenza nemali mboleko ye-FHA
Ukuba ucwangcisa ukuthenga ikhondomu yakho nge Imali mboleko ye-FHA , Kuya kufuneka wazi ukuba ayizizo zonke iikhondomu ezilungele inkxaso-mali ye-FHA. Nangona kunjalo, umthetho we-FHA kwiikhondos uzikhulule kancinane ngaphakathi 2019 , Ukwenza kube lula kubathengi ukuba bafumane olu hlobo lwemali.
Ukufumanisa ukuba ikhondomu oyijongileyo ivunyiwe yi-FHA, ungaya kwi Ikhasi lekhondomu le-HUD kwaye ujonge idilesi ekubhekiswa kuyo.
Gcina Ncamathisela Bona eminye imifanekiso Ityala: Adrienne Breaux
6. Jonga ukuba izilwanyana zivunyelwe na
Xa unekhaya elinosapho olunye-kuphela kwimithetho yezilwanyana zasekhaya ezimiselwe sisixeko. Kodwa kwikhondomu, kunokubakho ubunzima okanye ukuthintela ukuzala-okanye nokuthintela izilwanyana zasekhaya ngokupheleleyo. Ukuba ukuba nesilwanyana kubalulekile kuwe, ke qiniseka ukuba ujonga i-CCRs (iminqophiso, iikhowudi kunye nezithintelo) kwimithetho yezilwanyana ngaphambi kokuba uthandane nendawo.
7. Jonga amaxwebhu ombutho we-condo ukulungiselela iiprojekthi ezizayo
Ukuba nekhaya elinosapho olunye kuthetha ukuba unenkululeko yokwenza iiprojekthi zokuphucula ikhaya kunye nokuhlaziya indawo yakho njengoko unqwenela. Abahlali beCondo, kwelinye icala, bakwinceba yombutho we-condo xa kufikwa kuphuculo lwangaphandle okanye kwiindawo ekwabelwana ngazo. Ngethamsanqa, kukho indlela yokubona ukuba ngaba naziphi na iiprojekthi ezicwangcisiweyo ziza ngaphambi kokuba uthenge.
Qinisekisa ukuba uphonononge amaxwebhu e-condo kulo naluphi na uvavanyo olukhethekileyo okanye iiprojekthi kungekudala. Olu vavanyo lunokugubungela izinto ezinje ngokutshintsha uphahla, ukuphuculwa kwendawo ekwabelwana ngayo, okanye indawo yokuqhuba / yokupaka, utshilo UDavid Straw Umthengisi wezindlu eFrederick, eMaryland.
8. Thetha nabamelwane
Kuphantse kube nzima ukwazi ukuba yintoni ubomi ngokwenene njengakwisakhiwo esithile se-condo-ngaphandle kokuba unokufumana amanqaku ngaphakathi.
Qalisa incoko kunye nabamelwane okanye nomongameli wombutho we-condo ukuze ubone ukuba abanye abantu bacinga ntoni, uZink uthi. Yithathe ngokhozo lwetyuwa: Ukuba umntu uthetha into engeyiyo, zama ukufumana indlela yokuyiqinisekisa.
9. Ubungakanani kwimirhumo ye-HOA
Xa ubala ukuba iindleko zakho zenyanga zezindlu ziya kuba njani, ungalibali ukufaka umrhumo we-HOA ukuba uthenga ikhondomu. Nangona kuyindleko eyongeziweyo, ngamanye amaxesha banokukugcinela imali, utshilo uPollock.
12 + 12 + 12 + 12 + 12
Ngamanye amaxesha umthengi uya kuncitshiswa ngumrhumo omkhulu we-HOA wenyanga, kodwa ujonge kancinci: Ngaba ubandakanya amanzi, iveni yenkunkuma, kunye nentambo yeTV? Ezi ziindleko onokuthi uzibhatale endlwini kodwa azizukubekelwa bhajethi kuwe, utshilo uPollock.
10. Akukho mibutho mibini yeekhondomu iyafana
Imibutho ye-Condo iyafana ngokuba liqela labantu abahlala phantsi kophahla olunye. Kodwa ukufana kuphelela apho. Imibutho yeCondo yonke iqhutywa ngokwahlukileyo-kwaye isebenza njani inokuba nefuthe elikhulu kumava akho kwisakhiwo.
Eminye imibutho izakuxhaswa kakuhle ngelixa eminye imibutho izakuthi, 'Hayi, asizukubiza ntlawulo yanyanga zonke.' epokothweni, utsho uZink.
Ukufumana uziva malunga nento ongena kuyo, thetha nomongameli wombutho, ucebisa uZink.
11. Jonga imeko yeendawo eziqhelekileyo
Xa kuvavanywa i-condo, kubalulekile ukuba ungajongi kuphela ngaphakathi kwiyunithi nganye kodwa nokujonga imeko yezinto kwiindawo ezifanayo, utshilo uFuller.
Rhoqo ukuba iindawo eziqhelekileyo azigcinwanga kakuhle, luphawu lombutho oqhuba kakubi, utshilo.
Ngelixa ukhenketho, jonga ngokukhawuleza ukubonwa kweendonga kunye nemigangatho, kwaye ujonge ukuba izixhobo ziyasebenza ejimini.
12. Fumanisa ukuba iintlanganiso zombutho zibanjwa nini
Ukwenza ukuphuculwa kwendlu yosapho olunye akufuneki iingxoxo ezinde kunye nabamelwane. Kodwa xa uyinxalenye yombutho we-condo, iintlanganiso kufuneka zibanjwe.
Abanini abatsha kufuneka baqinisekise ukuba bayazi ukuba indibano yonyaka ibanjwa nini, kwaye [kufuneka] babekhona ukuze bathathe inxaxheba kwizigqibo ezibalulekileyo malunga nobunzima, utsho URhonda Mesenbourg Ummeli wearhente yokuthengiswa kwezindlu eMantla Kingstown, RI
13. Yiba ngumhloli wakho
Ukuba ufika kwinqanaba lokuhlola ukuthengiselana kwezindlu, umhloli uya kukwazisa ngazo naziphi na iingxaki eziphambili ngaphakathi kweyunithi. Kodwa ngaphambi kokuba yenzeke, yazi ukuba umgca wokuqala wokuzikhusela ekuthengeni ipropathi enengxaki (kunye nexabiso eliphezulu ukulungisa) yeyakho amehlo.
Khangela iintanda kwithayile kunye nodonga, utsho u-Fuller. Ukwakhiwa kakubi kwezakhiwo kunokuthetha ukuba kukho ukulungiswa kweendleko eziphezulu kwixa elizayo.
14. Yazi imithetho ekwi-Airbnb okanye ezinye irente zexeshana elifutshane
Ukuba ne-condo kwindawo yokhenketho kunokukufumanela imali eninzi kwi-Airbnb okanye kwiVRBO — kodwa kuya kufuneka ujonge kwimithetho yombutho malunga nokurenta ixesha elifutshane kuqala, uthi UTodd Maloof Umenzeli wearhente yezindlu e Hoboken, N.J.
Izakhiwo [zinokuba] neemfuno ezingavumeli ukurentwa kufutshane kuneenyanga ezintandathu, njengoko oko kungangena kwizikhokelo zehotele, utshilo. Uninzi lwezakhiwo ezincinci zekondoni-iiyunithi ezili-10 okanye ngaphantsi-zihlala zikhululekile kwizikhokelo zazo zokurenta, kodwa kuya kufuneka usoloko unolwazi kwimeko apho uthatha isigqibo sokugcina ikhaya njengotyalo-mali hayi ipropathi enabanini.
15. Qonda imithetho yokupaka
Ezinye izakhiwo zekhondomu zibandakanya iigaraji okanye iindawo zokupaka ezigutyungelweyo, kodwa akusoloko kucacile ukuba zingaphi iindawo ezabiweyo kumhlali ngamnye. Jonga ukuba zikhona na izithuba zabatyeleli, kwaye ujonge ukuba ngaba kukho iindawo ezichongiweyo zabanini, okanye ukuba simahla kubo bonke.
athetha ntoni amanani u-777
Kuthengiswe kwii-condos? Nalu uncedo lokuthenga uluhlu lokutshekisha:
Ukulungele ukuqala ukujonga iipropathi? Nalu uluhlu olukhawulezayo lwezinto ekufuneka uqiniseke ukuba uzenza ngaphambi kokuthenga ikhondomu:
- Fumana kwangaphambili ukuvunywa kwemali evela kumbolekisi.
- Fumana iarhente ethengisa izindlu nomhlaba egxile kwiikhondomu.
- Qonda imigaqo yokurenta kunye nezilwanyana zasekhaya, ezinokufumaneka kwiCCRs zekondomu.
- Jonga uvavanyo olukhethekileyo / iiprojekthi ezizayo kumaxwebhu e-condo.
- Yenza uhlolo olubonakalayo lweendawo eziqhelekileyo.
- Fumanisa ukuba ingaba umbutho unemali engakanani yokugcina nokugcina.
- Jonga ukuba i-condo ivunyiwe na ngezemali ze-FHA.
- Qonda ukuba isebenza njani indawo yokupaka.
