What you can buy in New York for 168 thousand dollars
Some of my friends decided to buy an apartment. Money at them a bit and after a long search, the choice fell on their two-bedroom apartment in a cooperative house in Queens. The area is good, near the metro, a large shopping center and many shops. Go to Manhattan and 40 minutes by metro and 20 by car. Nice house built in 1950.
Of the minuses - the eternal problem with parking on the street. We can say that this area is quite humane price (Queens - traditionally rather expensive area). They called me, so I looked and assessed her condition and helped estimate the amount of future repairs.
The apartment is located in a cooperative house, which imposes on its owners a lot of restrictions. In fact, you do not buy an apartment, and a share in the cooperative equal to the value of the apartment. E. It's kind of like yours, but it is not yours at all.
You can not fully dispose of them as their own property. You are required to have insurance for the apartment, regardless of whether you want it or not. All actions are performed only with the written permission of the home government. Even buy it you can rule only if you approve. You can not make alterations, can not in any way to decorate balconies or clutter, can not even use the mosquito nets on the windows other than the Board approval. You can not live a lot of people than intended. 80% flat floors should be covered with carpeting or parquet soundproof substrate. It is impossible to curtain windows sheet or blanket. Do not install in the apartments washing and drying machines. You can not turn on loud music, noise, smoke on the stairs, debris and so on. Even a pet can make the apartment only with the written permission of the Board. Any breach or non-compliance will be fined. It is clear that all these bans and restrictions aimed solely for the benefit of residents. You are guaranteed not to be noisy neighbors, will not be stomping heels on the parquet floor, no one will drill drill the wall at 7 am on Sunday or play behind the wall on the piano. The main thing to be ready to follow all these rules.
There are limitations, which can be called a rather significant disadvantages. For example, an apartment can rent just two years after purchase. Not only that, you can rent it only to those people that will be the coordination of government, but it can do a few. I, for example, does not pass. I do not have a stable source of income for the past two years. Sell too can only be those who will approve the board, and this greatly reduce the number of potential buyers. Far not everyone is willing to live in such conditions.
Managed by the cooperative council tenants who work there on a voluntary basis. To consider new candidates is going to a special committee, consisting of the same tenants. Who wishes to buy an apartment first receive approval of the bank, then collect the necessary documents proving their stable income and social status (for example, performance and recommendations from other people), served them to the board, to pay a fee for checking the data and document processing ($ 530), and then pass the interview. The Bank may approve the purchase, and the board refuse. The prestigious houses are far from everyone will be able to buy an apartment. Where it is necessary to have a recommendation or tenants to rent an apartment for many years, so you have the opportunity to buy it. Even such a seemingly simple thing as moving, and that is imposed by a bunch of rules. Transfer can only be carried out with 9.00 to 17.00, Monday through Friday, prior written permission. Bring large items can only be through the service entrance, and it is not always convenient. Before the move is necessary to make a deposit in the amount of $ 1,000. If you carry things in unauthorized time or anything to damage when moving, the deposit will not be returned. The company, which makes repairs in your apartment, must also be approved by the board, have insurance and work permits. All work again only with written permission.
In general, this is not what we imagine under the ownership of private property. It should be understood that the habit of the order produced in humans exclusively by means of the whip and threats. One ad type "do not litter" and the Western mentality here is not enough. For every cultural and educated Americans there is one ugly creature, and three ex-pat who wanted to spit on all these restrictions. It is then, and they begin to clean up after the dogs and stop littering the streets, as well as the process of integration is in full swing, there is nothing better than good old rules and penalties for their failure. Unless of course you want to live in a decent place.
Well now look flat. This hall. Right mailboxes.
The apartment is small. This living room.
In a small window pristupochek forming a virtual kitchen. Now you understand why.
This is the kitchen. I take from the living room. The place is very small, but there is a window.
The whole kitchen furniture - Greetings from the 50's. It did not change since the construction of the house. Kitchen cabinets are made of iron.
View of the window.
View well worth it. The apartment is very quiet. Tenants, whose windows overlook the street, I do not envy.
View from the window.
The front door.
Here, too, the artifacts from the past. Door chain is made of a bicycle chain, and the left - authentic intercom.
remove the hearing device with a hook and hear a pleasant crackling. Thing!
View from the front door. Ahead bathroom. Bedroom to the right.
View from the window.
A cast iron sink as old as the house. Cranes similar too.
This mysterious device laundry basket.
On top of the lid.
Another hello from the past.
It looks like a radiator, if to remove her hood.
Almost all wiring - External.
In the hallway is a garbage disposal.
If you go down below.
It will be taken to the basement, which is part-bomb shelter.
Then unrealistically high ceilings.
laundry for residents.
In general chute throw garbage, and all you need to sort, dumped here.
elevator buttons. Interestingly, there is the house where the first floor is the second, and the bottom is the lobby. Then, in the first floor elevator button is L, and if you press 1, you arrive at the second. Here everything is familiar.
plate with the sign of the bomb shelter.
Now, about how much it costs. The price you already know - $ 168 000. No cash it certainly does not buy. There will be some initial payment, and the remaining money will take a loan for 30 years. Monthly payments will consist of the rent (maintenance), and payments on the loan. Monthly rent for this apartment is $ 500, and it is all-inclusive except air conditioning. For each will have to separately pay $ 300 per year. Electricity, water, gas and heating are included. Payments on the loan depends on the particular case, the term of the loan, and so on. n. I do not know all the details, they are supposed to be about 400-500 dollars a month. Ie. A month in the apartment will cost 950-1050 dollars. Plus the obligatory insurance. Its size, I do not know. In any case, it will be cheaper than to remove it. Rent this apartment cost $ 1,350 per month.