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FAQ

  • Waa maxay iskaashatada guriyeynta?

    Iskaashatada guriyeynta waxay yeelan kartaa qaabab iyo cabbirro kala duwan. Farqiga aasaasiga ah ee ka duwan noocyada kale ee lahaanshaha guriyeynta waa in iibsaduhu uu ka iibsanayo saamiyada shirkad. Shirkadda ayaa iska leh dhismaha iyo dhulka, dhammaan xubnaha iskaashatooyinka ayaa ah mulkiilayaasha guryaha ee shirkadda. Iibsashada saamiyada, iibsadayaashu waxay xaq u leeyihiin inay qabsadaan qaybtooda. Tirada saamiyada iibsadaha ee iskaashatooyinka waxay ku xirnaan doontaa cabbirka cag laba jibaaran ee unuggooda. Iskaashato ahaan, qoys kastaa wuxuu leeyahay xuquuq codbixin oo siman. Iskaashatada waxaa maamula guddi lagu soo doortay codadka dadweynaha

    xubnaha iskaashiga.

    Waa maxay faraqa ugu weyn ee u dhexeeya iskaashatooyinka iyo guri-is-kaashatada?

    Co-ops caadi ahaan waxay leeyihiin qiimo hore oo aad uga hooseeya marka loo eego guryaha is-kaashatada, taasoo ka dhigaysa lahaanshaha guriga mid la heli karo. Labada ikhtiyaarba waxay kuu oggolaanayaan inaad dhisto sinnaanta, in kasta oo U-lex uu yahay nooc xaddidan oo sinnaanta halkaas oo maalgashigaagu uu si joogto ah u korayo waqti ka dib taasoo ka caawinaysa inay sii haysato guryaha la awoodi karo xubnaha mustaqbalka. Iskaashatada waxay kobciyaan bulshada iyada oo loo marayo lahaanshaha la wadaago iyo go'aan qaadashada waxayna bixiyaan kharashyo badan oo la saadaalin karo marka la barbar dhigo guryaha is-kaashatada. Tani waa sababta oo ah iskaashiga, dayactirka iyo dayactirka waxaa loo maareeyaa si wadajir ah, halka milkiilayaasha guryaha is-kaashatada ay mas'uul ka yihiin dhammaan dayactirka gudaha

    qaybtooda.

    Waa maxay faraqa ugu weyn ee u dhexeeya iskaashatooyinka iyo guri dabaq ah?

    Iibka iskaashato wuxuu kuu ogolaanayaa inaad dhisto sinnaanta adigoo bixinaya khidmadaha bilaha ah ee deggan, la saadaalin karo ee daboolaya dayactirka iyo kharashka la wadaago. Tani waxay ka duwan tahay inaad kiraysato guri dabaq ah oo aad ka bixinayso hanti qof kale oo ay ku xiran tahay kororka kirada aan xadidnayn. Kharashka bilaha ah ee aad ku aragto iskaashatooyinka maanta waxa uu aad ugu dhawaan doonaa waxa uu yahay shan sano mustaqbalka, kaas oo aad uga duwan guri dabaq ah, halkaas oo kiradu ay kordhin karto sanad kasta. Lahaanshaha iskaashigu wuxuu kaa caawinayaa inaad maal-gashato mustaqbalkaaga waxayna ku siinaysaa dareen xooggan oo bulsho leh go'aan-qaadasho la wadaago iyo kharash-garayn muddada dheer ah taasoo ka dhigaysa gurigaaga mid ay heli karaan iibsadayaasha mustaqbalka.

    Ciwaanka 01

  • Waa maxay shuruudaha dakhliga?

    Dakhliga qoyska iibsadayaasha mustaqbalka waa inaanu ka badan 80% dakhliga dhexe ee aagga Seattle. Hoos ka eeg shaxda sanadka 2024

    Individuals in your household
    Yearly gross income (before taxes) cannot be more than:
    Monthly gross income (before taxes) cannot be more than:
    1
    $84,850
    $7,071
    2
    $96,950
    $8,079
    3
    $109,050
    $9,088
    4
    $121,150
    $10,096
    5
    $130,850
    $10,904
    6
    $140,550
    $11,713
    7
    $150,550
    $12,521
    8
    $159,950
    $13,329

    Ma yeelan karaa hanti kale?

    Iskaashatada waxaa loogu talagalay iibsadayaasha guryaha markii ugu horeysay kuwaas oo aan lahayn hanti kale 3dii sano ee la soo dhaafay wakhtiga xidhitaanka. Ka dib marka la xiro iskaashatada, hanti kale ayaa la iibsan karaa. Unugga iskaashatada waa in ay ahaanayaan degaankaaga koowaad.

    Goorma ayay ku habboon tahay u-qalmitaanka dakhliga?

    Dakhliga u-qalmitaanka wuxuu khuseeyaa oo keliya wakhtiga iibka ilaa la xidho. Marka aad dhammayso iibsashadaada oo aad xidho, xaddidaadda dakhliga hadda ma khusayso.

    Miyaan buuxin karaa shuruudaha dakhliga haddii aan helay dhaxal hal mar ah?

    Haa, dhaxal looma tixgeliyo dakhli.

  • Sidee loo xisaabiyaa qiimaha saamiga guriga ee co-op?

    Si aad u noqoto xubin guri oo la awoodi karo oo ay heli karaan tiro badan oo qoys, qiimaha saamigu waa ku dhawaad $92.00 cag laba jibaaran. Qiimaha saamiga waxaa loo dejiyay iyadoo lagu salaynayo cabbirka cag laba jibaaran ee unuggaga.


    Sideed u go'aansan kartaa cidda mudnaanta siin doonta si ay u iibsadaan saamiyada iskaashiga?

    Liistada aasaasiga ah ee iibsadayaasha kuwaas oo dhammaystay dhammaan tillaabooyinka u diyaarsanaanta oo hore loo oggolaaday sida iibsadayaasha xaqa u leh dakhliga waxa hayn doona HomeSight. Marka u-qalmitaanka la xaqiijiyo oo la bixiyo khidmadda boos celinta, codsadaha waxaa lagu dari doonaa barkada iibsadayaasha dakhligoodu aqoonsan yahay.


    Ma dooran karaa qaybta aan rabo?

    Haa, waad dooran kartaa unuggaaga. Iibsadayaasha waxaa loo soo bandhigi doonaa doorashadooda iyadoo lagu saleynayo taariikhda ay xaqiijinayaan u-qalmitaanka dakhliga, fulinta heshiiska boos celinta, iyo soo gudbinta deebaajiga.

    Goorma ayaan filan karaa inaan u soo guuro?

    Iibsadayaasha la ansixiyay waxay awoodi doonaan inay guuraan hal bil ka dib marka la dhammeeyo dhismaha.

    Marka cutubka la iibiyo, sidee loo doortaa iibsadayaasha cusub?

    Dhammaan iibsadayaasha cusubi waa inay maraan isla habkii ay iibsadayaashii hore marayeen. Waa inay ahaadaan iibsadaha guriga markii ugu horeysay ee qaata wax ka yar 80% AMI kuwaas oo dhammaystay barnaamij waxbarasho guri iibsadaha markii ugu horeysay. Marka dakhligu u qalmo, waxa waraysan doona Guddiga Xubinnimada Co-op, kaas oo gabi ahaan ka kooban dadka iskaashatada deggan. Guddiga Xubinimada ayaa talo u soo jeedinaya Guddiga Iskaashatada

    si loo ansixiyo oo ku salaysan talada, Guddigu wuxuu aqbalaa ama diidaa iibsadaha cusub ee suurtagalka ah.

    Sideen ku ogaan karaa inaan u qalmo?

    Abuuritaanka astaanta boggayaga diiwaangelinta ee shabakadeena (https://www.homesightwa.org/) waxay kuu oggolaanaysaa inaad ballan la-talin la samayso la-taliyaha lahaanshaha guriga. La taliyahaaga, waxaad si qarsoodi ah ugala hadli kartaa xaaladdaada dhaqaale oo aad u heli kartaa jawaabaha su'aalahaaga, sida sida loo bixiyo lacag-bixin, oo lagu daray dib u eegis deyntaada, deynta iyo taariikhda shaqada. Si wada jir ah ayaad uga shaqayn doontaan miisaaniyad shakhsiyeed

    iyo qorshe.

    Ciwaanka 01

  • Intee in le'eg ayaa ka hor inta aan la iibin?

    Qaybta iskaashatada waa la iibin karaa wakhti kasta.

    Intee in le'eg ayay cutubkaygu qadarin doonaan waqti ka dib?

    Iskaashatada sinnaanta xaddidan, cutubyadu waxay ku qiimeeyaan heer go'an oo ah 2% sannadkii. Qaab dhismeedkani wuxuu kaa caawinayaa in unugyadu ay awoodaan iibsadayaasha mustaqbalka iyadoo weli kuu ogolaanaysa inaad dhisto sinnaanta waqti ka dib.

    Ciwaanka 01

  • Ciwaanka 01

    Waa maxay celceliska kharashka bishii?

    # of Bedrooms
    Avg Unit Sq Ft
    Unit Share Price
    Co-op Maintenance Fee
    Share Mortgage at 7 1/4%*
    Total Avg Mo Cost w/Blanket and Share Mortgage
    1
    653
    $58,934
    $1,897.12
    $321.63
    $2,218.75
    2
    863
    $77,838
    $2,505.65
    $424.80
    $2,930.45
    3
    1015
    $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.

  • Waa maxay qaddarka ugu yar ee ay tahay in aan ka bixiyo lacagtayda?

    Lacagta caddaanka ah ee ugu yar ee ay tahay inaad geliso saamiga wax iibsiga waa 20% qiimaha saamiga.

    Ma jirtaa kaalmo loo heli karo lacagta hoose?

    HomeSight waxay ku siin kartaa deyn dib loo dhigay oo ah ilaa $10,000 kaalmada lacag bixinta. Amaahda iyo dulsaarka waxaa dib loo bixiyaa marka unugga la iibiyo.

    Halkee baan ka heli karaa maalgelinta amaahda saamiga?

    Verity Credit Union waxay leedahay barnaamijka amaahda saami qaybsiga, horay loogu ansixiyay HUD, si ay uga caawiso maalgelinta qayb ka mid ah qiimaha saamiga. Xaqiiqdu waxay sidoo kale heli doontaa amaah wadaag ah oo waafaqsan shareecada. Waxaad dooran kartaa deyn bixiye kale; si kastaba ha ahaatee, dukumeentiyada amaahda waxay u baahan doonaan inay ansixiyaan HUD.

    Horaan ma u bixin karaa amaahda saamiga?

    Haa, amaahda amaahda saamiga waxa la bixin karaa goor hore iyo iyadoo la raacayo heshiiska amaahdaada.

  • Ma kireyn karaa guriga?

    Ujeedada iskaashatooyinkan waa in la siiyo guryo lahaanshaha iskaashatooyinka oo la awoodi karo qoysaska u qalma dakhliga si ay u noqoto degaankooda koowaad. Kiraynta gurigaaga waa mamnuuc.

    Ujeedada iskaashatooyinkan waa in la siiyo guryo lahaanshaha iskaashatooyinka oo la awoodi karo qoysaska u qalma dakhliga si ay u noqoto degaankooda koowaad. Kiraynta gurigaaga waa mamnuuc. Si kastaba ha ahaatee, ilaa iyo inta uu unugu yahay deegaankaaga koowaad, waxaa laguu ogol yahay inaad haysato qof kula degan oo kiro ku bixiya. 6

    Maxaa dib-u-cusbooneysiin ah oo aan ku sameyn karaa cutubkeyga?

    Waxaa laguu oggol yahay inaad sameyso isbeddello yaryar sida rinjiyeynta derbiyada iyo beddelidda qasabadaha, musqulaha, iwm. Si kastaba ha ahaatee, isbeddel kasta oo qaab dhismeedka ah-sida furitaanka derbiyada, saqafka ama saqafka - waxay u baahan yihiin ogolaansho ama oggolaansho Waaxda Dhismaha Seattle iyo guddiga iskaashiga. Intaa waxaa dheer, wax ka beddel kasta oo abuura buuq, gariir, qiiq ama ur taas oo faragelin karta xuquuqda deganeyaasha kale waxay u baahan tahay oggolaan qoraal ah.

    Waa maxay masuuliyadayda dayactirka?

    Adiga ayaa mas'uul ka ah in aad qolkaaga ku ilaaliso xaalad wanaagsan, taas oo ay ku jirto in si habboon loo dayactiro oo si badbaado leh loo isticmaalo darbiyada, sagxadaha, albaabada, daaqadaha, tuubooyinka, kulaylinta iyo qalabka korontada iyo dhammaan qalabka ku jira unuggaaga. Kharashka dayactirku ma daboolayo dayactirka, dayactirka, ama beddelka hantida gaarka ah. Haddii wax ka tirsan unuggaaga ay waxyeelo soo gaarto dayacaad ama si xun u isticmaal, adiga ayaa mas'uul ka ah dayactirka ama beddelka. Si kastaba ha ahaatee, iskaashatogu waxay dabooshaa dayactirka iyo beddelka sababtoo ah jeexashada iyo jeexjeexa caadiga ah. Dhismaha bannaanka iyo meelaha la wadaago waxaa dayactira shirka waxaana lagu daraa kharashka dayactirka iskaashiga.

    Yaa ila noolaan kara?

    Waxaa laguu oggol yahay in qof kasta oo aad rabto uu kula noolaado. Dadka deegaankaaga ah iyo martidaadu waxa ay hoos imanayaan isla Xeerarka Anshaxa Guriga ee aad tahay.

    Xoolo ma heli karaa?

    Haa, waxaa jira siyaasad xayawaan ah oo u oggolaanaysa xayawaanka guriga ee caadiga ah.

    Debaajiga xayawaanka $300.00 ayaa loo baahan yahay.

    Ciwaanka 01

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