CC&Rs vs HOA

 

HOA, 說白了，就是個婆婆媽媽的街道居委會。

There is no way for home buyer/owner to better understand HOA w/out careful reading its CC&Rs.

HOA也有共產的意思。 5樓張三家的屋頂要修，憑什麽要漲我一樓的李四的HOA by 1 萬多刀？ 

你既不遊泳，也不GOLF， WHY PAY HOA FOR ITS MTNC？ 

有的HOA包水，大戶人家拚命地浪費水，小戶人家沒見HOA少個子兒。 

還有，讀CC&R，看有沒有出租限製，有的地方不讓出租，或者有waiting list， 更有甚者，租約隻能6-24個月，要批準，有限額，HOA還要interview租客。 出租率大於50%， 貸款有困難。 HOA通常限製出租率在40%以下。 出租率高，HOA一般也高。 SFH社區，租金高，出租率現對低些，換言之，自住率偏高，因此，HOA較Condo， TH為低，後者維修管理費較高, HOA自然水漲船高。

因此，買房時須注意：

- ask for CC&Rs, put it in your offer as contingency.  Don’t expect your agent to help w/ HOA disc.  On CA standard purchase agreement, mark B of clause 10:

- CC&Rs,  

- 1 yr HOA minutes, 3 yrs FS, a statement of reserves, assignment of parking spaces, etc.

- does HOA have adequate reserves?  In condo, the money in reserves must cover repairs to all common spaces – roof, garage and the like.  You are better off with a fee that’s too high, not too low…

- avoiding disputes w/ HOA b/c any lawsuit will result in a decrease in property value.

 擺平HOA的最有效措施就是深入敵後，弄個街道居委會主任做做， 如果能力和精力允許的話。

以上供參考， 並請作補充，謝謝！