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Find 9 Javascript:void(0); % Mortgage 因为康斗公寓比合作公寓少，比较容易批准买到，买价通常比合作公寓贵。康斗公寓每个月地产税加上屋业管理费一般比合作公寓月管理维持费低，这也是买价高的原因。
在曼哈顿买合作公寓或康斗公寓步骤类似。假定你看中了喜欢的地产也询问过银行或贷款经纪决定了你经济能力承担的价位
康斗公寓申请不须面试只要将所需表格资料按顺序填好送交检阅基本上会批準，从合同到过户约60天，合作公寓所需时间较长至少60-90天
房产过户费用
以下是一般费用预估，请与地产律师及财务顾问谘询明细
康斗公寓(单家庭) Town House
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卖房费用 仲介费：6% 律师费：与你律师确认 经办费：$450+ 纽约市转让税： 住宅50万= 1% / 50万以上=1.425% 商业50万=1.425% / 50万以上+2.625% 纽约州转让税：每$1000税$4 纽约市新开发公寓，买方要付卖方 |
买房费用 律师费 银行费：$350—$750 申请费：$350 经办费：$330 估价费：$300—$1500（根据买价） 信用调查：$10.10单人$15-20共同 银行律师：$650—$750 登记费：$250—$750 产权保险：一百万内每十万约$450，一百万或以上+15% 贷款保险：每十万贷款额约$130 市政调查：$300—$500 豪宅税：1%的买价，当买价为一百万或一百万以上 纽约市贷款税： 贷款50万以内=1.8% 贷款50万或以上，1-3家庭住宅=1.95% 贷款50万以上其他类地产=2.8% 长岛Nassau 郡Suffolk 郡贷款税: 1-3家庭住宅=0.8%贷款额 多家庭住宅，商业，空地=1.05% 贷款额 |
Peonic Bay 税 (East Hampton,Shelter Island and South Hampton)
1．免税—买价低於25万改进地产，买价低於10万未改进地产
2．1-3住宅家庭少于一百万和其他类地产=2.4%
3．1-3 住宅家庭一百万以上=3.4%
其他地产费用：管理维持费，地产税过户时的调整
合作公寓 Co-op
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卖方费用 仲介费：6% 律师费 合作公寓律师费：$450+ Flip费：1%—3% 股票转让税：每股$0.05 搬出费：各大楼不同 纽约市转让税： 住宅50万内至50万=1%，50万以上=1.425% 商业50万内至50万=1.425%，50万以上=2.625% 转让费：$50 纽约州转让税：每$1000 税$4 纽约州平等费：$75 领取支付费：$250—$500 UCC-3 登记费：$100 |
买方费用 律师费 银行费：$350—$750 申请费：$350 经办费：$330 估价费：$300—$1500（根据买价） 信用调查 银行律师费：$650—$750 留置权调查：$250—$350 UCC-1 登记费：$100 豪宅税：1%的买价，如买价为一百万或一百万以上 其他管理维持费过户时的调整 |
New York City Buyers Guide
Caught in the maze of buying an apartment in New York.City? The rules are different in New York City than in other parts of the country! For the inexperienced some of the differences may be perplexing, however, we can guarantee that if you do your homework and keep this guide handy, the process will flow much more smoothly. Our job at Douglas Elliman is to help you determine which type of apartment is suitable for you, to assist in neighborhood selection, to educate you regarding real estate prices, and to pair you with the agent that best matches your style and preferences.
New York is a city comprised mainly of cooperative and condominium apartments with a smaller selection of private homes, which we call townhouses or brownstones. Most important is understanding the differences between the types of apartments you will find in Manhattan.
Co-operative Buildings
Cooperatives are not a new concept, although they seem to be a type of ownership that is more common in New York City than elsewhere in the United States. In New York City, approximately 80% of our apartments available for purchase are in cooperative buildings, while 20% are in condominiums. This means two very simple things to potential buyers in New York City:
Cooperatives are owned by an apartment corporation. Individual tenants do not actually “own” their apartments as they would in the case of “real” property. Owners, (shareholders) of co-op apartments, actually own “shares” in the corporation which entitles them to a long-term “proprietary lease.” The corporation pays the total amount of the building’s mortgage (importantly, a cooperative may have an underlying mortgage on the entire building, whereas a condominium building must be owned outright), real estate taxes, employee salaries, and other expenses for the upkeep of the building. The tenant-owner, in turn, pays a portion of these expenses as determined by the number of shares the tenant owns in the corporation. Share amounts are dictated by apartment size and floor level.
The considerations when buying a cooperative are: