x***g
发帖数: 299 | 1 和律师一起review大楼的财务状况，发现大楼有6个million的underlying mortgage，
2015年到期（现在每个月只付利息）。算到要买的的房子大概摊到 20000。 请问这样
的房子能买吗？有类似经历的谈谈好吗？谢谢了。 |
T*****m
发帖数: 526 | 2 大多数coop都有mortgage,这很正常。有经验的律师应该可以告诉你mortgage过多或过
少。另外，要调查一下维持费的增长程度，如果一直往上窜的话，那楼委可能管理的不
好。另外看看他们聘用的是哪家管理公司，和工会的合约是什么。还要仔细看一下那本
厚厚的offering book看里面有没有什么苛刻的不合理条约。 |
T********e
发帖数: 8631 | 3 Are sure it's "现在每个月只付利息", not mortgage payment? |
x***g
发帖数: 299 | 4 其实是两个loan, 一个4.5 million, 每年支付利息和一点点本金；另外一个2 million
, 只只付利息。两个都是30年的，到2015年到期。就是所谓的 "balloon loan". 平时
付很少，到期时一下子付很多。
【在 T********e 的大作中提到】
: Are sure it's "现在每个月只付利息", not mortgage payment?
|
x***g
发帖数: 299 | 5 请问能不能拿这个mortgage的事情去重新negotiate价格？这样做合理吗？
【在 T*****m 的大作中提到】
: 大多数coop都有mortgage,这很正常。有经验的律师应该可以告诉你mortgage过多或过
: 少。另外，要调查一下维持费的增长程度，如果一直往上窜的话，那楼委可能管理的不
: 好。另外看看他们聘用的是哪家管理公司，和工会的合约是什么。还要仔细看一下那本
: 厚厚的offering book看里面有没有什么苛刻的不合理条约。
|
l*****z
发帖数: 13617 | 6 我们糊里糊涂的买了，我啥都不清楚，看来我有将来住大街上的潜力了。。。 |
c*****l
发帖数: 5203 | 7 能说说管理费多少 能出租嘛？
我在看CO OP投资
【在 l*****z 的大作中提到】
: 我们糊里糊涂的买了，我啥都不清楚，看来我有将来住大街上的潜力了。。。
|
i**********o
发帖数: 5993 | 8 no way. Management will refinance when the loan matures.
【在 x***g 的大作中提到】
: 请问能不能拿这个mortgage的事情去重新negotiate价格？这样做合理吗？
|
l*****z
发帖数: 13617 | 9 管理费700多（具体多少我不知道！我有管钱恐惧症，呵呵）
自主两年后可以出租。。。
你来买吧！ |
x***g
发帖数: 299 | 10 Does this mean they have no plan to pay off the principle and will forever carry the debt?
【在 i**********o 的大作中提到】
: no way. Management will refinance when the loan matures.
|
|
|
i**********o
发帖数: 5993 | 11 一般都是这样。除非日常有很大盈余, which means you overpay maint.
carry the debt?
【在 x***g 的大作中提到】
: Does this mean they have no plan to pay off the principle and will forever carry the debt?
|
x***g
发帖数: 299 | 12 is it possible that they have difficulty refancing? What if the bank doesn't
want to grant then a new loan?
【在 i**********o 的大作中提到】
: 一般都是这样。除非日常有很大盈余, which means you overpay maint.
:
: carry the debt?
|
T********e
发帖数: 8631 | 13 Then they (you) go bankrupt. Carry loan is normal but interest only loan
sounds bad. You need to take a good look at their finance/history.
't
【在 x***g 的大作中提到】
: is it possible that they have difficulty refancing? What if the bank doesn't
: want to grant then a new loan?
|
x***g
发帖数: 299 | 14 They gave only 2 years' financial statements. Dont' know how to examine
their history.
They are paying off a little principle each year.
【在 T********e 的大作中提到】
: Then they (you) go bankrupt. Carry loan is normal but interest only loan
: sounds bad. You need to take a good look at their finance/history.
:
: 't
|
T********e
发帖数: 8631 | 15 You said they only pay interest on the second loan, although there's no such
thing as 30 year interest only loan, they got to start paying principle
sooner or later. Ask more if there are things in question and get all the
facts straight.
【在 x***g 的大作中提到】
: They gave only 2 years' financial statements. Dont' know how to examine
: their history.
: They are paying off a little principle each year.
|
T*****m
发帖数: 526 | 16 这篇文章有coop underlying mortgage的基本介绍，可以参考一下：
http://cooperator.com/articles/158/1/A-Mortgage-Primer/Page1.ht
这篇关于买家的支付能力，也可以看一下：
http://www.realtorkaili.com/40%20InfoCenter/Coop/ratio.htm
【在 x***g 的大作中提到】
: They gave only 2 years' financial statements. Dont' know how to examine
: their history.
: They are paying off a little principle each year.
|
i**********o
发帖数: 5993 | |
m******d
发帖数: 3243 | 18 I know a few coop boards the worst in flushing |
