CC&Rs vs HOA

 

HOA, 说白了，就是个婆婆妈妈的街道居委会。

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

HOA也有共产的意思。 5楼张三家的屋顶要修，凭什么要涨我一楼的李四的HOA by 1 万多刀？ 

你既不游泳，也不GOLF， WHY PAY HOA FOR ITS MTNC？ 

有的HOA包水，大户人家拼命地浪费水，小户人家没见HOA少个子儿。 

还有，读CC&R，看有没有出租限制，有的地方不让出租，或者有waiting list， 更有甚者，租约只能6-24个月，要批准，有限额，HOA还要interview租客。 出租率大于50%， 贷款有困难。 HOA通常限制出租率在40%以下。 出租率高，HOA一般也高。 SFH社区，租金高，出租率现对低些，换言之，自住率偏高，因此，HOA较Condo， TH为低，后者维修管理费较高, HOA自然水涨船高。

因此，买房时须注意：

- 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.

 摆平HOA的最有效措施就是深入敌后，弄个街道居委会主任做做， 如果能力和精力允许的话。

以上供参考， 并请作补充，谢谢！