Bheka Ngaphambi Kokugxumela Eweni

1. Uhlelo lwemali yesakhiwo

2. Ukuthuthukiswa kwezimali (umlando odlule nezinhlelo zesikhathi esizayo ezihlanganisa izilinganiso zezindleko kanye nohlaka lwesikhathi)

3. Imali ebolekwayo yesakhiwo (ithini imigomo/imibandela/izinketho zokuvuselela)

4. Isivumelwano sokuphatha (inkampani njengamanje ephethe inkontileka yokuphatha; izindleko/amasevisi)

5. Inhlolovo ye-asbestos ezindaweni zomphakathi nezindawo zokuhlala

6. Amafasitela abolile endaweni engaphansi nezinye izindawo zomphakathi ezingaba indawo yokungena yamagundane/izimbungulu kanye nomonakalo wamanzi.

7. Amamitha amanzi/kagesi. Izindleko zonyaka ngamunye kufanele zibuyekezwe. Ingabe izindleko ziyefana unyaka nonyaka?

Iphakheji Yohlelo Lokusebenza. Shona PHEZULU (Way UP)

Kunemigomo emithathu wonke umthengi okungenzeka ukuthi athenge i-co-op okufanele ayibambe ngekhanda: inkokhelo ephansi, isilinganiso sesikweletu semali engenayo kanye ne-liquidity yangemva kokuvalwa.

• Isithiyo sokuqala: Inkokhelo ephansi iyingxenye yokuqala engukheshi umthengi ayikhokhela umthengisi ngenani elisele okufanele lixhaswe yibhange noma omunye umbolekisi. Ama-co-op afuna abanikazi babe nokulingana emizini yabo. Inkokhelo ephansi ingaqalisa kusuka kumaphesenti angama-20-50 (hhayi kuwo wonke amazwe). Amabhilidi ambalwa asezingeni eliphezulu angase agcizelele ekuthengeni imali yonke ngaphandle kwezimali ezivunyelwe.

• Isithiyo Sesibili: Isilinganiso sesikweletu nemali engenayo. Inani lesikweletu sanyanga zonke somthengi esihlukaniswa ngeholo lakhe lanyanga zonke. Kuma-co-op amaningi isilinganiso sesikweletu semali engenayo esivumelekile sikhuphukela ku-25-30%. Amabhodi amaningi aphinde abheke isithombe sezimali sisonke. Uma othile eku-Social Security futhi eletha u-$2100 kuphela ngenyanga, kodwa enezigidi ezingu-$10 ebhange noma izimali ezitshaliwe, isilinganiso sesikweletu somholo singase singabi yinkinga.

• Isithiyo Sesithathu. I-liquidity yangemva kokuvalwa. Inani lemali elitholakala kalula kulowo ozoba umthengi ngemva kokwenza inkokhelo ephansi. Lokhu kungafaka ukheshi ebhange, imakethe yemali kanye/noma izikhwama zesitoko, iphothifoliyo yesitoko, izikweletu zikaMgcinimafa, izitifiketi zediphozithi (okubhekwa njengoketshezi). Ama-IRA namanye ama-akhawunti omhlalaphansi akabhekwa njengoketshezi, noma izinqubomgomo zomshwalense wempilo, amasheya angatshaliwe esitoko noma impahla yomuntu siqu (okungukuthi, izindlu nomhlaba, imisebenzi yobuciko).

Umthetho wesithupha - umthengi kufanele abe nemali eyanele ukuze akhokhele indlu kanye nesondlo iminyaka emibili uma kwenzeka umholo wakhe uphela ngesizathu esithile, njengokudilizwa emsebenzini noma ukugula.

Ngezinye izikhathi amabhodi azokhokha imali yonyaka owodwa kanye nonyaka owodwa wemali efakwe ku-escrow evumela ongase abe umthengi ukuthi akhuphule imali ye-escrow ngokuthengisa izimpahla eziwuketshezi kusenesikhathi futhi kunikeza amabhodi ukuthula kwengqondo.

Amanye amabhodi azokwazisa abathengisi nabathengi mayelana nezidingo zabo zezinombolo ngaphambili ukuze kugwenywe isikhathi nenkinga yokuhlola abantu abangenamathuba amancane okwamukelwa. Amanye amabhodi awanazo izidingo eziphelele futhi enza izahlulelo ngokwesisekelo secala necala.

Izingozi vs. Imivuzo

I-CoOpLiving.Ingxenye5 .2 3 | eTurboNews | eTN — UJorge Royan - royan.com.ar

Konke ukuthengwa kunobungozi. Endabeni yokuthenga i-co-op ye-NYC, izici eziningi azikho ngaphansi kolawulo lomthengi, okuhlanganisa isakhiwo esingaphethwe kahle, ibhodi lokusebenzisana elivilapha noma izisebenzi zokwakha ezingaqeqeshiwe noma ezinganele. Abanikazi bamasheya kungase kudingeke babhekane nokuhlola okukhethekile okungalindelekile okukhokhiswa i-BOD ngokulungiswa okukhulu kwebhilidi obekungalindelekile futhi izinkokhelo zokulondoloza zingase zikhuphuke ngokushesha kunokwenyuka kwamandla emali. I-BOD ingase iguqule i-sublet noma ezinye izinqubomgomo, yenze ukuqasha indawo yokuhlala kanye/noma ubunikazi bezilwane zingenzeki. Ukuthengisa ifulethi lakho kungase kube inselele ngenxa yokwenqatshwa ngokungafanele kwebhodi kwalabo abafuna ukuthenga ngoba ilungu le-BOD likubambele magqubu.

Going Phambili

Uthole indawo yokuhlala yamaphupho akho. Ummeli wakho, i-accountant, umklami wezangaphakathi, umakhi wezakhiwo kanye nomndeni bonke basekhasini elifanayo. Wena nomnikazi nifinyelele isivumelwano ngentengo yokuthengisa futhi manje sekuyisikhathi sokuvala.

Isikhathi Sokuvala

Isikhathi sokuvala i-Co-op e-NYC singathatha izinyanga ezingu-2-3 kusukela ngesikhathi kunenkontileka yokuthenga esayiniwe; Nokho, EMHLABENI WANGEMPELA ubude besikhathi esithathwayo ukuvala futhi buncike ezintweni eziningi futhi kungase kube ngaphandle kokulawula okuqondile komthengi:

1. Konke ukuthenga ngokheshi ukuthenga ifulethi lomxhasi. Hlela ezinyangeni ezi-2-3 (noma ngaphansi) ... kodwa,

2. Ukuthenga endaweni enommeli ongenalwazi - ukubambezeleka

3. Iphakethe lebhodi le-Co-op lingase lingaphelele noma liqukethe amaphutha - ukubambezeleka

4. I-ejenti ephethe iyanensa ekubuyekezeni isicelo futhi ihlehlisa ukusithumela ebhodini - ukubambezeleka

5. Ibhodi le-co-op libuyekeza ukuthengisa okuningi futhi bancintisana nokunakwa kwe-BOD - ukubambezeleka

6. Iphakethe lebhodi elithunyelwe ngesikhathi samaholide - ukubambezeleka

7. Izingxabano zokuhlela inhlolokhono (wena kanye ne-BOD) - ukubambezeleka

8. I-BOD ayikwazi ukwenza isinqumo - ukubambezeleka

9. Umdayisi noma umthengi ababambisene - ukubambezeleka

Izindleko Zokuvala

• Izimali Zommeli. Ibanga kusuka ku-$1,500-$4,000. Ngokuvamile kukhokhwa lapho kuvalwa umsebenzi. Kungase kube nemali eyengeziwe yommeli webhange ($1,000).

• Intela Yezindlu. Umkhawulo wentela yendlu enkulu eDolobheni laseNew York ungu-$1,000,000 (akunakwenzeka ukuthi isithabathaba somuzi sithengiswa ngaleli nani). Ngokomthetho intela ithathwa njengentela yokudlulisa, ekhokhwa umthengi ezakhiweni ezilingana noma ezinkulu kuno-$1,000,000. Inani lentela liyahlukahluka futhi izinga lokuphothula eliqala kumaphesenti angu-1 elikhuphukayo ngokusekelwe kububanzi bezintengo zokuthenga ukuya kumaphesenti angu-3.9 aphezulu ezimpahleni ezingu-$25,000,000 noma ngaphezulu.

• Umshuwalense Wesihloko (Ama-Condos kuphela). Ukuthenga i-condo kanye nokubolekwa kwempahla kudinga umshwalense wetayitela futhi ngokuvamile kusebenzisa amaphesenti angu-0.45 yenani lokuthenga. Itholwa ukuze kuvikelwe abathengi nababolekisi ezimangalweni zetayitela lesakhiwo ngaphambi kokuba umnikazi wendlu.

• Ukuqoshwa kwe-Mortgage Intela (Ama-Condos kuphela). Lokhu kudinga ukuthi abathengi bakhokhe amaphesenti angu-1.8 emananini emali mboleko engaphansi kuka-$5,000,000 namaphesenti angu-1.925 emalini yemali mboleko engaphezu kuka-$500,000. Leli inani lemalimboleko hhayi inani lokuthenga. Efulethini elimaphakathi eManhattan ngama- $2,000,000 namaphesenti angama-20 phansi, kunenkokhiso engu-1.925% enani lemalimboleko engu-$1,600,000 elinganiselwa ku-$30,800 ngentela yokuqopha indlu kuphela.

• Flip Tax (Ama-Co-ops). Le yimali yokudlulisa ekhokhelwa ico-op ngesikhathi sokuthengisa amafulethi e-co-op. Inkokhelo akuyona intela ngokobuchwepheshe ngakho-ke ayidonswa njengentela yendawo. Inani le-flip tax kanye nokuthi ubani oyikhokhelayo (umthengi noma umdayisi) liyahlukahluka kuye ngokuthi i-co-op ukuya ku-co-op. Ulwazi luvamise ukuvezwa emithethweni yokuqashisa ngokuphathelene nobunikazi bezakhiwo.

• Izimali ezengeziwe. Izimali zokubolekwa kwezindlu, izindleko zokuqopha kabusha, izehlakalo, njll.

• I-New York State kanye ne-NYC Transfer Tax (Ama-Condos Okuthuthukisa Amasha Kuphela). (prevu.com)

Ekugcineni

Lapho isivumelwano sesiphelile, umthengi unikeza umdayisi imali yakhe. Umthengisi unikeza umthengi itayitela (lama-condos) noma i-proprietary lease (ye-co-op) futhi wonke umuntu uqhubeka nempilo yakhe.