s*********t
发帖数: 1663 | 1 现在就是看看trulia.com上的new post，然后挨个去open house转
感觉选择很少
想请教一下过来人的经验
谢谢了 |
G***Y
发帖数: 9698 | 2 1. 如果你是打算贷款买的话， 先到银行做个预批， 看自己是否符合贷款的要求； 如
信用分数是否够， 收入是否符合贷款要求， 银行根据你的情况会告诉你可以借多少钱。
2. 确定买房的地区， 集中在某些地区看， 没必要跑遍几大区
3. 周末很多open house， 向经纪问清楚这些coop的管理费， 对买房者的收入要求和
其他的一些特别要求（各个公司都有自己的规定， 而这些规定你是否可以接受), 公司
的财政状况（是否有欠银行的钱， 管理费近年的调整情况， 如果将coop卖出需付给公
司多少钱）等等，
当然要了解的事很多， 慢慢补充 |
s*********t
发帖数: 1663 | 3 非常感谢
我已经拿到了preapproval，区域也定了
对管理费这块不很理解
不同的地方管理费从几百到数千不等，这是含税的吗？另外有没有可能突然大涨？
钱。
【在 G***Y 的大作中提到】
: 1. 如果你是打算贷款买的话， 先到银行做个预批， 看自己是否符合贷款的要求； 如
: 信用分数是否够， 收入是否符合贷款要求， 银行根据你的情况会告诉你可以借多少钱。
: 2. 确定买房的地区， 集中在某些地区看， 没必要跑遍几大区
: 3. 周末很多open house， 向经纪问清楚这些coop的管理费， 对买房者的收入要求和
: 其他的一些特别要求（各个公司都有自己的规定， 而这些规定你是否可以接受), 公司
: 的财政状况（是否有欠银行的钱， 管理费近年的调整情况， 如果将coop卖出需付给公
: 司多少钱）等等，
: 当然要了解的事很多， 慢慢补充
|
G***Y
发帖数: 9698 | 4 管理费通常包地税， 水， 有些公司甚至包煤气和电， 至于是否管理费大涨， 这取决
于公司的财政状况和纽约市是否大涨地税， 打个比方， 假如某公司突然要掏出一笔钱做紧急维修，而账户里的现金不够， 只能靠涨管理费来应付
【在 s*********t 的大作中提到】
: 非常感谢
: 我已经拿到了preapproval，区域也定了
: 对管理费这块不很理解
: 不同的地方管理费从几百到数千不等，这是含税的吗？另外有没有可能突然大涨？
:
: 钱。
|
s*********t
发帖数: 1663 | 5 如果我希望找40万左右的，月供包括管理费总共2500左右的，是不是管理费1500以上我
就根本不用考虑了？
【在 G***Y 的大作中提到】
: 管理费通常包地税， 水， 有些公司甚至包煤气和电， 至于是否管理费大涨， 这取决
: 于公司的财政状况和纽约市是否大涨地税， 打个比方， 假如某公司突然要掏出一笔钱做紧急维修，而账户里的现金不够， 只能靠涨管理费来应付
|
G***Y
发帖数: 9698 | 6 可以告诉我你看中哪个区吗
【在 s*********t 的大作中提到】
: 如果我希望找40万左右的，月供包括管理费总共2500左右的，是不是管理费1500以上我
: 就根本不用考虑了？
|
s*********t
发帖数: 1663 | 7 about 50-70th, east, 1bed1bath
【在 G***Y 的大作中提到】
: 可以告诉我你看中哪个区吗
|
c*****l
发帖数: 5203 | 8 40万为什么不买condo?
最近有朋友在east village买了两个studio coop打通了 一共90多 |
s*********t
发帖数: 1663 | 9 这里似乎都是coop的，condo太远了
【在 c*****l 的大作中提到】
: 40万为什么不买condo?
: 最近有朋友在east village买了两个studio coop打通了 一共90多
|
c*****l
发帖数: 5203 | 10
欧 才看见你喜欢的地区那选择是还满小的
【在 s*********t 的大作中提到】
: 这里似乎都是coop的，condo太远了
|
|
|
j***k
发帖数: 2719 | 11 stay away from co-op.. not worth it..
【在 s*********t 的大作中提到】
: 现在就是看看trulia.com上的new post，然后挨个去open house转
: 感觉选择很少
: 想请教一下过来人的经验
: 谢谢了
|
s*********t
发帖数: 1663 | 12 能否具体说说？
我是这么算的，现在房租2400，只是studio
买的话每个月2400可以住1bedroom
打算5年左右卖
即使房价不升值，里外里也相当于用2400左右租了比现在好的房子
不对之处还望指正
【在 j***k 的大作中提到】
: stay away from co-op.. not worth it..
|
T********e
发帖数: 8631 | 13 Upper east side 50-70? 400K will get you a door-mat.
【在 s*********t 的大作中提到】
: about 50-70th, east, 1bed1bath
|
T********e
发帖数: 8631 | 14 Condos are total rip off.
【在 j***k 的大作中提到】
: stay away from co-op.. not worth it..
|
t********1
发帖数: 1855 | 15 eastside50左右的coop管理费不高的，一个studio的话才几百块一个月。 但是买下的
价格很高，50w+。
国人喜欢买condo， 其实coop和condo各有各的长处。 condo更有自主权，coop更省事。 |
j***k
发帖数: 2719 | 16 here is a real story from my co-worker.
He bought a 2bed co-op in your target area in 2003. At the end of 2007, he
was to transfered to our London office. The market was at the peak and he
was ready to sell the co-op and cash in. Within a month, his agent found him
a buyer and he put in an offer at the asking price with all cash and it was
accepted. The co-op board rejected the offer because the buyer did not
have eoungh saving on his own and his parents were buying the apartment for
him.
After that offer was rejected, it took the agent another 4 months to find
another buyer, he had his own money, make enough income and appeared to be a
good buyer. The board agin rejected the offer, this time because the buyer
was too young, only 23. The board rejected him for his age.
By then, 6 months had passed, the market was already going down. It took the
aganet another 3 months to find another buyer, but she was again rejected
because she had 3 cats... The board limit was only 2..
My co-worker had been paying his mortgage + mainatinance for all these time
while living in London...
In Dec 2008, in the middle of the worse financial crisis in the last 50
years, his agent found him another buyer, had money, no pet, in mid-40s,
and had a high income. My co-worker thought this time the board would be
happy to approve. But he was wrong again. The board rejected the offer again
because the offer price was too low, about 10% below the intial asking a
year ago. The board thought allowing the purchase would lower the market
value of the building affecting all apartments.
By this time, the property had already been on the market for over 1 year,
my co-worker was still paying for evertyhing and the property value was getting
even lower. He was really pissed off and decided to stop the mortgage
payment and let the property go foreclosure. The board became afraid that
having a foreclosure would affect the building even worse, they threatened
to sue my co-worker for miliions in liability. It took another year for them
to settle and my co-worker finally sold the apatment at the end of 2009, $
200K less then the initial asking and about $40K in legal bills...
buying a co-op is like going into a business with 200 people you don't know
and have conlicting interest... its a nightmare for a lot of ppl, and unless
you're a happy retiree with all the time in the world to fight it, its really
not worth it.
【在 s*********t 的大作中提到】
: 能否具体说说？
: 我是这么算的，现在房租2400，只是studio
: 买的话每个月2400可以住1bedroom
: 打算5年左右卖
: 即使房价不升值，里外里也相当于用2400左右租了比现在好的房子
: 不对之处还望指正
|
T********e
发帖数: 8631 | 17 It does not take 4 months to find another buyer at market peak. The agent
is the problem, not the board.
him
was
for
a
【在 j***k 的大作中提到】
: here is a real story from my co-worker.
: He bought a 2bed co-op in your target area in 2003. At the end of 2007, he
: was to transfered to our London office. The market was at the peak and he
: was ready to sell the co-op and cash in. Within a month, his agent found him
: a buyer and he put in an offer at the asking price with all cash and it was
: accepted. The co-op board rejected the offer because the buyer did not
: have eoungh saving on his own and his parents were buying the apartment for
: him.
: After that offer was rejected, it took the agent another 4 months to find
: another buyer, he had his own money, make enough income and appeared to be a
|
M**G
发帖数: 907 | 18 这种 extreme case 有什么好说的，board 显然也有普文二
在纽约，自住的话肯定是COOP性价比高，Condo的最大好处是出租方便因为产权是自
己的，所以在经济条件允许的情况下买来做投资的是大多数
him
was
for
a
【在 j***k 的大作中提到】
: here is a real story from my co-worker.
: He bought a 2bed co-op in your target area in 2003. At the end of 2007, he
: was to transfered to our London office. The market was at the peak and he
: was ready to sell the co-op and cash in. Within a month, his agent found him
: a buyer and he put in an offer at the asking price with all cash and it was
: accepted. The co-op board rejected the offer because the buyer did not
: have eoungh saving on his own and his parents were buying the apartment for
: him.
: After that offer was rejected, it took the agent another 4 months to find
: another buyer, he had his own money, make enough income and appeared to be a
|
b*****8
发帖数: 1060 | 19 thanks for sharing this story...
【在 j***k 的大作中提到】
: here is a real story from my co-worker.
: He bought a 2bed co-op in your target area in 2003. At the end of 2007, he
: was to transfered to our London office. The market was at the peak and he
: was ready to sell the co-op and cash in. Within a month, his agent found him
: a buyer and he put in an offer at the asking price with all cash and it was
: accepted. The co-op board rejected the offer because the buyer did not
: have eoungh saving on his own and his parents were buying the apartment for
: him.
: After that offer was rejected, it took the agent another 4 months to find
: another buyer, he had his own money, make enough income and appeared to be a
|
j***k
发帖数: 2719 | 20 this is actually not that extreme in upper east side.
I have another friend whose childless uncle died and left him with a 3000 sq
ft co-op. Because the maintainance was over $4K a month, my friend didn't
have the money to live there but he didn;t wanna sell it either because its
right next to the park and etc... he wanted to keep it so one day when he
has a family, he would be able to live there.. it just happens that an owner
of another unit in the same building wanted to rent the space from my
friend. Since the guy already owns another unit in the building, my friend
thought the board would be okay, but they still rejected.
He eventually was not able to keep the place and had to sell it...
co-op is outdated and not worth the 10% - 15% saving over a condo..
【在 M**G 的大作中提到】
: 这种 extreme case 有什么好说的，board 显然也有普文二
: 在纽约，自住的话肯定是COOP性价比高，Condo的最大好处是出租方便因为产权是自
: 己的，所以在经济条件允许的情况下买来做投资的是大多数
:
: him
: was
: for
: a
|
|
|
t********1
发帖数: 1855 | 21 Manhattan显然coop比condo多。 就像上面一位提到的， the problem is the agent
and your co-worker。如果在市场好的情况下，都要take months to find potential
buyer， 那么这个agent有问题， 而你的coworker居然不考虑change broker， 也显然
有问题。
Coop你只是个股东， 如果你自住， 而你们大楼又有个很严格的board的话， 那么恭喜
你了。 通常一个严格的board会控制大楼住户的素质， 进而也有助于维持甚至是提高
楼价。 像关于收入要求、买卖价格不能过低于同类型房屋的价格等等是最基本的， 那
个agent居然因为这些个问题被两次打回票， 实在太不转业了。 但如果你要投资的话
，那么coop不是个好选项，因为买卖、租住都需要通过board， 很麻烦。 有的时候，
候选人什么都符合， 但是board中某人有私心， 就会故意刁难。 我就碰到过case被拖
了一年， 期间利率涨了三次的情况。 但是，board不是固定的，每个人都可以去竞选
。 我也碰到过想要卖出房子的房东竞选board成员，这样可以方便监督关于买卖的
interview。
Condo你是房主， 拥有产权， 买卖没有什么限制， 但是住户也没有什么限制。 你的
邻居可能把房子租给做不正当生意的人（不管是哪里的房子， 我碰到过一华人老太太
把五大道的公寓租给别人，结果FBI找上门来）， 一个是安全问题， 当东窗事发， 进
而也会影响到房子的价格。 而且对于大楼的维修， 争执纠纷显然多于coop， 因为每
个人的想法不同，每个人又都拥有产权。
【在 M**G 的大作中提到】
: 这种 extreme case 有什么好说的，board 显然也有普文二
: 在纽约，自住的话肯定是COOP性价比高，Condo的最大好处是出租方便因为产权是自
: 己的，所以在经济条件允许的情况下买来做投资的是大多数
:
: him
: was
: for
: a
|
j***k
发帖数: 2719 | 22 well.. the problem is that like all brokers who wanted to get the listing,
the broker promised my co-worker a high figure and by luck, she also found
one who was willing to pay all cash but it was rejected by the board.
my co-worker was in London so changing broker was not that easy. He also
beleievd the broker on the high figure promised and didn;t wanna lower it...
it took 4 months for the broker to find another buyer who was willing to
pay for the price again, but board rejected it again..
while it is true that the reason it took long because the property was over
priced, but if not because of the board, it could have been sold twice
already. If I was the seller, I would blamce the board, not the broker.
potential
【在 t********1 的大作中提到】
: Manhattan显然coop比condo多。 就像上面一位提到的， the problem is the agent
: and your co-worker。如果在市场好的情况下，都要take months to find potential
: buyer， 那么这个agent有问题， 而你的coworker居然不考虑change broker， 也显然
: 有问题。
: Coop你只是个股东， 如果你自住， 而你们大楼又有个很严格的board的话， 那么恭喜
: 你了。 通常一个严格的board会控制大楼住户的素质， 进而也有助于维持甚至是提高
: 楼价。 像关于收入要求、买卖价格不能过低于同类型房屋的价格等等是最基本的， 那
: 个agent居然因为这些个问题被两次打回票， 实在太不转业了。 但如果你要投资的话
: ，那么coop不是个好选项，因为买卖、租住都需要通过board， 很麻烦。 有的时候，
: 候选人什么都符合， 但是board中某人有私心， 就会故意刁难。 我就碰到过case被拖
|
j***k
发帖数: 2719 | 23 i agree.. that's if you were old and wouldn't wanna move again, ever, then a
co-op might be a good choice because it is cheaper. but even in that case, leaving the property to your kids after you die would aso be problematic...
so unless you enjoy fighting with the board till you die, it would be better to avoid the trouble. dealing with the board makes a lot of ppl crazy, life is too short to be wasted on these things...
potential
【在 t********1 的大作中提到】
: Manhattan显然coop比condo多。 就像上面一位提到的， the problem is the agent
: and your co-worker。如果在市场好的情况下，都要take months to find potential
: buyer， 那么这个agent有问题， 而你的coworker居然不考虑change broker， 也显然
: 有问题。
: Coop你只是个股东， 如果你自住， 而你们大楼又有个很严格的board的话， 那么恭喜
: 你了。 通常一个严格的board会控制大楼住户的素质， 进而也有助于维持甚至是提高
: 楼价。 像关于收入要求、买卖价格不能过低于同类型房屋的价格等等是最基本的， 那
: 个agent居然因为这些个问题被两次打回票， 实在太不转业了。 但如果你要投资的话
: ，那么coop不是个好选项，因为买卖、租住都需要通过board， 很麻烦。 有的时候，
: 候选人什么都符合， 但是board中某人有私心， 就会故意刁难。 我就碰到过case被拖
|
T********e
发帖数: 8631 | 24 If you have ever lived in a coop that is 100% owner occupied, you will know
the difference.
BTW, if you know any condo that has only 15% premium over coop, let me know.
I'll take it in a heartbeat.
sq
its
owner
【在 j***k 的大作中提到】
: this is actually not that extreme in upper east side.
: I have another friend whose childless uncle died and left him with a 3000 sq
: ft co-op. Because the maintainance was over $4K a month, my friend didn't
: have the money to live there but he didn;t wanna sell it either because its
: right next to the park and etc... he wanted to keep it so one day when he
: has a family, he would be able to live there.. it just happens that an owner
: of another unit in the same building wanted to rent the space from my
: friend. Since the guy already owns another unit in the building, my friend
: thought the board would be okay, but they still rejected.
: He eventually was not able to keep the place and had to sell it...
|
s*********t
发帖数: 1663 | 25 Thanks to all the advices. It seems that renting is the best choice to me...
There is nothing to worry about at all. Sigh
【在 s*********t 的大作中提到】
: 现在就是看看trulia.com上的new post，然后挨个去open house转
: 感觉选择很少
: 想请教一下过来人的经验
: 谢谢了
|
s*********t
发帖数: 1663 | 26 现在就是看看trulia.com上的new post，然后挨个去open house转
感觉选择很少
想请教一下过来人的经验
谢谢了 |
r*********k
发帖数: 183 | 27 我也在看, 看的好累.
我看streeteasy |
D**C
发帖数: 6754 | 28 试试
redfin.com
不过最好还是找个broker |
