如何决定购买公寓是否适合你
在你做重大决定之前权衡利弊.
Thinking about buying a condo? 重要的是要知道你可能会进入什么. 这里有一些事情可以帮助你决定公寓生活是否适合你.
What is a condominium?
当你买了一套共管公寓，你就拥有了一套共享公寓内的独立单元. 与公寓不同，你可以自由地翻新和定制你的空间. But, you typically have to share a wall or two, 你的隐私比独栋住宅少吗. 购买公寓意味着你同意成为业主协会(HOA)的成员，必须遵守他们的规则并支付任何所需的HOA费用.
Pros and cons of buying a condo
Consider all the options before you decide.
Pros of condo living
- Low or no outdoor maintenance -通常情况下，你不需要担心割草、清理排水沟或美化环境等事情.
- Location ― When compared to single-family homes, 共管公寓通常位于市中心，靠近餐饮和娱乐场所.
- Lower cost -公寓可能比同一地区的其他住宅更实惠.
- Amenities -每栋公寓都提供不同的设施(有些需要额外收费), 但是你可以享受一些常见的设施，比如健身房, pool, parking garage, community rooms, rooftop terrace or pet area.
- Good neighbors -附近的邻居和共享的公共空间使结识新朋友和创造一种社区意识变得容易.
Cons of condo living
Get a unitowners insurance quote
Want to protect your condo?
- Interest rates -公寓抵押贷款可能高于单户住宅或联排别墅, 部分原因是由于成为共享综合体的一部分增加了风险. 由于您和共管公寓协会必须满足某些资格准则，因此贷款要求可能比房屋更严格.
- Fees ― In most condo buildings, 需要支付物业管理协会的费用，包括pp王者电子官网等费用, maintenance in common areas, outdoor maintenance or upkeep on amenities.
- Lack of privacy ― Your neighbors are in close proximity, 你们可能会共用墙壁和公共空间, 所以准备好比独户住宅更少的隐私吧.
- Slower appreciation ― Condos tend to appreciate at a slower rate than single-family homes.
- Rules ― Condo associations have all kinds of rules, like quiet hours, pet policies and lawn ornaments, 所以要确保所有的规则都适合你的生活方式.
What is a special assessment?
特别评估通常是指为一个共管公寓社区内的一个大项目收取的一笔巨额费用, 比如对建筑物进行结构修复或更换屋顶. If you're buying a condo, 知道未来的计划中是否有特别的评估是非常重要的. 如果是这样，在一段时间内，协会的费用可能会上涨，以弥补这一成本.
买公寓的时候应该问什么问题?
If you decide to look at condos, 一定要问一些问题来帮助你决定公寓生活是否适合你.
- Are there HOA or condo association fees? 如果有，它们是多少，什么时候到期?
- What do the fees cover? 割草、绿化、停车、倒垃圾、浇水等.
- How old is the condo building?
- What amenities are offered?
- Where can I find the association rules?
- How many units are in the building?
- How many units are owner occupied?
- 每个单位有多少个停车位?
- Is there extra storage available?
- Are pets allowed?
- 每套公寓通常做什么类型的室外维护(窗户/门)?
- How are special assessments handled?
无论何时你准备迈出下一步，买一套公寓，确保你有保护 condo insurance. Here's a list to help you know what's covered.
