常问问题
什么是住房合作社？
住房合作社的形式和规模多种多样。与其他类型的住房所有权的主要区别在于，买家购买的是公司的股份。公司拥有建筑物和土地，合作社的所有成员都是公司的业主股东。通过购买股份，买家有权入住其单元。买家在合作社的股份数量取决于其单元的面积。作为合作社，每个家庭都拥有平等的投票权。合作社由由普选产生的董事会管理。
合作社成员。
合作公寓和公寓的主要区别是什么？
与公寓相比，合作社的前期成本通常要低得多，这使得拥有住房变得更加容易。这两种选择都允许您积累资产，但 U-lex 是一种有限资产模式，您的投资会随着时间的推移稳步增长，从而帮助未来成员维持可负担的住房。合作社通过共同所有权和决策来促进社区发展，并且与公寓相比，成本更可预测。这是因为在合作社中，维护和维修由集体管理，而公寓业主则负责公寓内的所有维修。
他们的单位。
合作公寓和普通公寓的主要区别是什么？
购买合作公寓可以让您积累资产，同时享受稳定、可预测的月租，涵盖维护和共同开支。这与租房不同，租房需要支付他人的房产费用，而且租金会无限上涨。您现在看到的合作公寓月租与五年后的月租非常接近，这与公寓截然不同，公寓的租金每年都会上涨。拥有合作公寓可以帮助您投资未来，并通过共同决策和长期负担能力，增强社区意识，让您的房屋更容易被未来的买家接受。
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收入资格是什么？
潜在买家的家庭收入不得超过西雅图地区收入中位数的80%。请参阅下方2024年的图表。
Individuals in your householdYearly gross income (before taxes) cannot be more than:Monthly gross income (before taxes) cannot be more than:1$84,850$7,0712$96,950$8,0793$109,050$9,0884$121,150$10,0965$130,850$10,9046$140,550$11,7137$150,550$12,5218$159,950$13,329Can I own another property?
The co-op is for first-time homebuyers who have not owned another property in the last 3 years at the time of closing. After closing on the co-op, another property can be purchased. The co-op unit must remain your primary residence.
When does the Income Qualification apply?
The income qualification only applies at the time of purchase up until closing. Once you complete your purchase and close, the income restriction no longer applies.
Can I meet the income requirement if I have received a one-time inheritance?
Yes, an inheritance is not considered income.
合作住房份额价格如何计算？
为了让更多家庭都能负担得起成为合作社住房成员的费用，分摊价格约为每平方英尺92美元。分摊价格将根据您单位的面积确定。
如何决定谁将优先购买合作社的股份？HomeSight 将维护一份已完成所有准备步骤并获得预先批准的收入合格买家的初步名单。一旦资格确认并支付预订费，申请人将被添加到已获批准的收入合格买家库中。
我可以选择我想要的单位吗？是的，您可以选择房源。买家将根据确认收入资格、签订预订协议以及支付定金的日期获得房源选择。
我什么时候可以搬进去？
获批准的买家将能够在建筑竣工后一个月内入住。
当一个单位售出时，如何选择新买家？
所有新购房者都必须经历与首批购房者相同的流程。他们必须是首次购房者，收入低于月平均收入的80%，并且已完成首次购房者教育计划。收入符合条件后，他们将接受合作社会员委员会的面试，该委员会完全由合作社居民组成。会员委员会将向合作社董事会提出建议。
董事会将根据建议接受或拒绝新的潜在买家。
我如何知道我是否符合资格？
在我们网站 (https://www.homesightwa.org/) 的注册门户上创建个人资料，即可预约一位房屋所有权顾问。您可以与顾问私下讨论您的财务状况，并获得相关问题的解答，例如如何支付首付，以及审查您的债务、信用和就业历史。我们将与您共同制定个性化预算。
和计划。
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多久可以卖出去？
合作公寓单位可以随时出售。
随着时间的推移，我的单位会升值多少？
在这套有限产权合作公寓中，公寓单元每年固定升值2%。这种结构有助于确保未来买家能够负担得起公寓，同时还能让您随着时间的推移积累资产。
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每月平均费用是多少？
# of BedroomsAvg Unit Sq FtUnit Share PriceCo-op Maintenance FeeShare Mortgage at 7 1/4%*Total Avg Mo Cost w/Blanket and Share Mortgage1653$58,934$1,897.12$321.63$2,218.752863$77,838$2,505.65$424.80$2,930.4531015$91,532$2,946.47$499.53$3,446.00*The estimated Unit Share Mortgage cost is calculated as of 9.24.24 and subject to current interest rates. Note that this cost applies only if the Unit Share Price is financed by the buyer.
How much do I pay each month?
You will pay the co-op maintenance fee (this is paid every month is based
on the square foot size of your home), and the water and electric usage for your home. Your water and electric usage is separately metered for your unit, so you only pay for what you use. You will also pay your mortgage share loan, if you have one. The share loan payment goes away once you have paid off your loan.
What are the monthly charges for?
The co-op charges residents a monthly co-op maintenance fee. The charges cover your proportionate share of operating and maintaining the cooperative, which includes the cooperative corporation’s building mortgage payments, property taxes, management fees, maintenance costs, insurance premiums, common area/building utilities, and contributions to reserve funds. The share loan cost applies only if the buyer chooses to finance a portion of the share price.
Will the co-op maintenance fee change?
The co-op maintenance fee may change over time. This is because it covers the building’s shared operating costs, such as janitorial services, maintenance contracts, and utilities, which can increase or decrease over time. However, most of the fee is allocated to stable long-term costs, helping to minimize significant changes. Any changes to the co-op maintenance fee will be adjusted as necessary by the board and must be approved by the members.
What are the expenses that the Co-op Maintenance Fee doesn’t cover?
Your personal unit electricity, water, phone, internet, parking, and personal insurance for the items in your home.
Is there parking available?
There are 31 parking spaces on the lower level of the building on a first come, first served basis available for $195.00 per month.
What is the required deposit for the reservation agreement?
The deposit is $1000.00 and is fully refundable until a purchase and sale agreement is executed.
Do I pay real estate taxes?
Real estate taxes are paid by the cooperative corporation, as owner of the property. The cost is covered by the monthly co-op maintenance fee. Even though you don’t pay real estate taxes directly, federal tax law allows you to deduct your share of the co-op tax payments, as well as your mortgage interest payments, on your personal income tax return.
Who takes care of the building and property?
A HUD-approved property management company will manage the building operation. The property manager will be responsible for taking care of maintenance and repair work inside your unit and all the areas outside of your unit including lawn care, collecting monthly co-op maintenance fees from co-op owners, paying co-op bills on behalf of co-op owners, keeping the co-op’s financial records, helping to make sure co-op owners are following co-op rules, and assisting the co-op board to prepare the annual co-op budget.
Who takes care of the building and property?
A HUD-approved property management company will manage the building operation. The property manager will be responsible for taking care of maintenance and repair work inside your unit and all the areas outside of your unit including lawn care, collecting monthly co-op maintenance fees from co-op owners, paying co-op bills on behalf of co-op owners, keeping the co-op’s financial records, helping to make sure co-op owners are following co-op rules, and assisting the co-op board to prepare the annual co-op budget.What is the minimum amount that I must provide from my own funds?
The minimum cash that you must put into the share purchase is 20% of the share price.
Is there assistance available for the down payment?
HomeSight can provide a deferred loan of up to $10,000 for down payment assistance. The loan and interest are paid back at the time the unit is sold.
Where can I obtain share loan financing?
Verity Credit Union has a share loan program, pre-approved with HUD, to assist in financing a portion of the share price. Verity will also have a Sharia compliant share loan available. You may select a different lender; however, the loan documents will need to be approved by HUD.
Can I pay the share mortgage earlier?
Yes, the share loan mortgage can be paid off early and in accordance with your loan agreement.
我可以租房子吗？
本合作社旨在为符合收入条件的家庭提供经济适用的合作产权住房，作为其主要住所。您的单位禁止出租。
本合作社旨在为符合收入条件的家庭提供经济适用房，作为其主要住所。禁止出租您的单元。但是，只要该单元是您的主要住所，您就可以与室友合租。6
我可以对我的单位进行哪些翻新和改造？
您可以进行一些小改动，例如粉刷墙壁、更换水龙头、马桶等。但是，任何结构性改动（例如打开墙壁、地板或天花板）都需要获得西雅图建筑部门和合作公寓委员会的许可或授权。此外，任何可能产生噪音、振动、烟雾或异味，并可能影响其他住户权益的改造，都需要获得委员会的书面批准。
我的维护职责是什么？
您有责任保持您单位的良好状态，包括妥善维护和安全使用单位内的墙壁、地板、门窗、管道、暖气和电气设备以及所有电器。维护费不涵盖个人财产的维修、保养或更换。如果您单位内的物品因疏忽或误用而损坏，您将负责维修或更换。但是，合作社会承担正常磨损造成的维修和更换费用。建筑物外部和公共区域由公司维护，并包含在您的合作社维护费中。
谁能和我一起生活？
您可以邀请任何您想与之同住的人。您的住户和宾客与您一样，必须遵守合作公寓的《行为准则》。
我可以养动物吗？
是的，有宠物政策允许饲养普通家养宠物。
需支付 300.00 美元的宠物押金。
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