Tarisa Usati Wasvetuka Kubva Pamawere
1. Capital plan yechivako
2. Kuvandudzwa kwemari (nhoroondo yapfuura uye zvirongwa zveramangwana zvinosanganisira fungidziro yemitengo uye nguva yakatarwa)
3. Mortgage yechivakwa (ndeapi mazwi/mamiriro/zvekuvandudza sarudzo)
4. Chibvumirano chekutungamira (kambani parizvino inobata manejimendi kontrakiti; mari / masevhisi)
5. Ongororo yeAsbestos panzvimbo dzeveruzhinji uye dzemafurati
6. Feremu dzemafafitera arikuwora pasi uye dzimwe nzvimbo dzeveruzhinji dzinogona kunge dziri pokupinda nemakonzo/bug uye kukuvara kwemvura.
7. Mvura / magetsi mamita. Mari yegore rega rega inofanira kuongororwa. Mari yacho yakafanana gore negore here?
Application Package. Heads UP (Way UP)
Kune matatu mazwi ega ega angangoita co-op mutengi anofanira kuyeuka: kubhadhara pasi, chikwereti-kune-muhoro chiyero uye mushure mekuvhara liquidity.
• Dambudziko Rimwe: Mari yekubhadhara ndiyo chikamu chekutanga chemari mutengi anobhadhara mutengesi nemari yasara kuti apihwe mari nebhangi kana mumwe mukweretesi. Co-ops vanoda kuti varidzi vave nekuenzana mudzimba dzavo. Kubhadhara pasi kunogona kubva pa20-50 muzana (kwete pasi rose). Zvivakwa zvishoma zvepamusoro-soro zvinogona kusimbirira pakutenga-mari yese pasina mari inobvumidzwa.
• Dambudziko rechipiri: Chikwereti-kune-mari inowanikwa. Huwandu hwechikwereti chemwedzi nemwedzi chemutengi chakakamurwa nemari yaanotambira pamwedzi. Kune akawanda ma-co-ops chikwereti chinotenderwa kune muhoro wemari chinokwira pa25-30 muzana. Mabhodhi akawanda anotarisawo mufananidzo wemari yose. Kana mumwe munhu ari paSocial Security uye achiunza $2100 chete pamwedzi, asi aine $10 miriyoni mubhangi kana investimendi, chikwereti-ku-muhoro chiyero chinogona kunge chisiri nyaya.
• Dambudziko rechitatu. Mushure mekuvhara liquidity. Huwandu hwemari hunowanikwa nyore kune angave mutengi mushure mekubhadhara pasi. Izvi zvinogona kusanganisira mari mubhangi, musika wemari uye/kana mari yemasheya, stock portfolio, Treasury mabhiri, zvitupa zvedhipoziti (inofungidzirwa semvura). IRAs nemamwe maakaundi emudyandigere haaonekwe semvura, kana inishuwarenzi yehupenyu, migove isina kuvhurwa yemasheya kana pfuma yemunhu (kureva, real estate, mabasa ehunyanzvi).
Mutemo wechigunwe - mutengi anofanira kunge aine mari yakakwana paruoko kuti abhadhare chibatiso nekugadzirisa kwemakore maviri kana mari yake yapera nekuda kwechimwe chikonzero, sekudzingwa basa kana kurwara.
Mabhodhi dzimwe nguva anogadzirisa kwegore rimwe liquidity uye gore rimwe remari yakaiswa mu escrow iyo inobvumira angangove mutengi kukwidza escrow mari nekutengesa mvura yemvura pamberi penguva uye inopa mabhodhi rugare rwepfungwa.
Mamwe mabhodhi anozivisa vatengesi nevatengi nezve nhamba yavo yezvinodiwa kumusoro-mberi kuitira kudzivirira nguva uye dambudziko rekuongorora vanhu vane mukana mudiki wekugamuchirwa. Mamwe mabhodhi haana mhedziso zvinodiwa uye anoita mitongo pane imwe nyaya-ne-nyaya.
Ngozi vs. Mibayiro
Zvese kutenga zvinotakura njodzi. Panyaya yekutenga mubatanidzwa weNYC, zvinhu zvakawanda hazvisi mukati mekutonga kwemutengi, kusanganisira chivakwa chisina kufambiswa zvakanaka, simbe yekubatanidza bhodhi kana vasina kudzidziswa kana vasina kukwana vashandi vekuvaka. Vagoveri vanogona kutarisana nekuongororwa kwakakosha kusingatarisirwe kwakabhadharwa neBOD pakugadzirisa kukuru kwekuvaka kwanga kusingatarisirwe uye kubhadhara kwekuchengetedza kunogona kuwedzera nekukurumidza kupfuura inflation. Iyo BOD inogona kushandura sublet kana mamwe marongero, ichiita yekurenda furati uye / kana pet muridzi hazvigoneke. Kutengesa imba yako kunogona kuve dambudziko nekuda kwekupokana kwebhodhi kurambwa kwevanotarisira kutenga nekuti nhengo yeBOD ine chigumbu kwauri.
Enda mberi
Wawana imba yezviroto zvako. Gweta rako, accountant, mugadziri wemukati, mugadziri uye mhuri vese vari papeji imwe chete. Iwe nemuridzi masvika pakubvumirana pamutengo wekutengesa uye yave nguva yekuvhara.
Nguva Yekuvhara
Nguva yekuvhara yeCo-op muNYC inogona kutora mwedzi 2-3 kubva panguva paine chibvumirano chekutenga chakasainwa; zvisinei, munyika CHOKWADI hurefu hwenguva inotora kuvhara uye zvinoenderana nehuwandu hwezvinhu uye inogona kunge iri kunze yakananga kutonga kwakananga kwemutengi:
1. Kutenga kwese kwemari kutenga imba yekutsigira. Ronga pamwedzi 2-3 (kana pasi) ... asi,
2. Kutenga kubva kune imwe nzvimbo negweta risina ruzivo - kunonoka
3. Co-op board package inogona kunge isina kukwana kana ine zvikanganiso - kunonoka
4. Managing agent anononoka kuongorora chikumbiro uye anomisa kutumira kubhodhi - kunonoka
5. I-co-op board iri kuongorora kutengesa kwakawanda uye vari kukwikwidzana neBOD kutarisa - kunonoka
6. Board package yakatumirwa panguva yezororo - kunonoka
7. Hurukuro kuronga kukakavara (iwe neBOD) - kunonoka
8. BOD haigone kuita sarudzo - kunonoka
9. Mutengesi kana mutengi haana kubatana - kunonoka
Kuvhara Mari
• Mari yegweta. Range kubva $1,500-$4,000. Kazhinji inobhadharwa pakavharwa kutengeserana. Panogona kunge paine imwe mari yekuwedzera kune gweta rebhangi ($1,000).
• Mutero weMumba. Chikumbaridzo chemutero weimba muNew York City i1,000,000 (hazvigoneke kuti imba huru iri kutengeswa nemutengo uyu). Nehunyanzvi mutero unoonekwa semutero wekutamisa, unobhadharwa nemutengi pazvivakwa zvakaenzana kana zvakakura kudarika $1,000,000. Mari yemutero inosiyana uye chiyero chekupedza kudzidza chinotangira pa1 muzana ichikwira zvichienderana nemitengo yekutenga kusvika pa3.9 muzana yezvivakwa $25,000,000 kana kupfuura.
• Musoro Inishuwarenzi (Condos chete). Kutenga kondomu uye kuwana imba yemba inoda inishuwarenzi yezita uye inowanzoita 0.45 muzana yemutengo wekutenga. Inowanikwa kuchengetedza vatengi uye vanokweretesa kubva pazvirevo zvezita reimba isati yave muridzi wemba.
• Mortgage Recording Mutero (Condos chete). Izvi zvinoda kuti vatengi vabhadhare 1.8 muzana pamari yembanje iri pasi pemadhora zviuru zvishanu uye 5,000,000 muzana pamari yembanje inodarika zviuru mazana mashanu emadhora. Iyi ndiyo mari yechikwereti kwete mutengo wekutenga. Kune avhareji yefurati muManhattan yemadhora zviuru zviviri nemakumi maviri muzana pasi, pane 1.925 muzana yekuchaja pamadhora zviuru zana nemakumi matanhatu emakumi matatu ezviuru zvemadhora emutero wekurekodha chete.
• Flip Mutero (Co-ops). Iyi imari yekufambisa inobhadharwa kune co-op panguva yekubatana kwekutengesa furati. Mari yacho haisi tekinoroji mutero uye saka haibviswe semutero wenzvimbo. Huwandu hwemutero wefiripi uye anoubhadharira (mutengi kana mutengesi) unosiyana kubva kumubatanidzwa kuenda kumubatanidzwa. Ruzivo urwu runowanzo kutsanangurwa mune zvivakwa zvevaridzi lease kana co-op nemitemo.
• Mari yekuwedzera. Mari yemortgage, mari yekudzokorora, zviitiko, nezvimwe.
• New York State & NYC Kutamisa Mitero (New Development Condos Chete). (prevu.com)
pakupedzisira
Kana chibvumirano chapera, mutengi anopa mutengesi mari yavo. Mutengesi anopa mutengi chibvumirano (checondos) kana chibvumirano chemba (yeco-ops) uye munhu wese anoenderera mberi nehupenyu hwake.
Chinyorwa Chekupedzisira
Ndakatamira kuNew York City nokuda kweutano hwangu.
Ndiri kushaya pfungwa, uye ndiyo chete nzvimbo yairatidza kutya kwangu. (Anita Weiss)
© Dr. Elinor Garely. Ichi chinyorwa chekopirisita, kusanganisira mapikicha, chingangodaro chichiburitswa pasina mvumo yakanyorwa kubva kumunyori
The Series:
Chikamu 1. New York City: Nzvimbo yakanaka yekushanyira asi… Unoda kugara pano?
Chikamu 2. Co-ops in Crises
Chikamu 3. Kutengesa Co-op? Rombo rakanaka!
Chikamu 4. Co-ps: Kwainoenda mari yako
Kugumisira asi kusiri kupedzisira:
Chikamu 5. VASATI KUCHERA GOMBA RECO-OP MARI
