Condominiums

You should be able to obtain a copy of the association's certificate of insurance from a board member or the property manager.

The certificate is issued by the company that carries the association's master insurance policy. The copy you want may be a document that your lender requires.

Your broker or attorney can help you answer this question. The class code may depend on the type of condominium.

Yes IF the loan is really a legal mortgage loan that meets the IRS rules for it to be a mortgage loan.

This is possible when you and they meet the enclosed rules.

Generally, home mortgage interest is any interest you pay on a loan secured by your home (main home or a second home). The loan may be a mortgage to buy your home, a second mortgage, a line of credit, or a home equity loan.

You can deduct home mortgage interest only if you meet all the following conditions.

You must file Form 1040 and itemize deductions on Schedule A (Form 1040).

*You must be legally liable for the loan. You cannot deduct payments you make for someone else if you are not legally liable to make them. Both you and the lender must intend that the loan be repaid. In addition, there must be a true debtor-creditor relationship between you and the lender.

*The mortgage must be a secured debt on a qualified home in which you have an ownership interest. (Generally, your mortgage is a secured debt if you put your home up as collateral to protect the interests of the lender. The term "qualified home" means your main home or second home. For details, see Publication 936.)

For more information go to the IRS gov web site and use the search box for publication 936

Generally, landlords can enter tenant-occupied residences given appropriate notice that may be defined in the lease.

If the owner chooses to include a security guard with that entry process, the tenant probably has no recourse, unless the security guard violates the tenant's rights.

Your question is two-fold: one to be answered by your board and another to be answered by an expert in HVAC matters.

As to your condominium: before you install any air vent, it will be a good idea to seek the professional guidance of an expert, who can document your plan, so that you can present it to the board for review and approval. Read your governing documents to determine what this proposal and approval process includes.

Lacking board approval, you could be fined, be forced to remove your vents, and redo the project according to an approved plan.

It's unclear from your question who owns the property, who is foreclosing on the unit and the reason for the foreclosure.

If you own the property, and you owe money -- either to a lender, to a tax authority or to the association for over-due assessments -- foreclosure should not be a surprise.

Foreclosure is usually accomplished either by a lender, a tax authority including the IRS, a co-owner, or the association.

Before action for foreclosure begins, the owner has been notified, warned, advised and otherwise informed of options in lieu of foreclosure, but that foreclosure is a possibility.

If not before now, the foreclosure action has your attention. You can attempt to work out a different result with whomever has taken the foreclosure action, which may prevent you losing your residence.

These are the players: The Board, the Property Manager, the Vendor (landscape-subcontractor), the Unit Owner (landlord) and You.

The association's board would prefer to deal with the landlord. The vendor (subcontractor) has an agreement with the board via the management company.

Develop your case for damage -- descriptions, photos, and so forth, and present it to your landlord with a copy to the property manager.

Volunteer to work directly with the property manager to affect payment for damage repair once your landlord has presented your case to the board.

Read your governing documents to determine ownership of the doors in question.

Doors inside a unit are usually the responsibility of the unit owner.

Entry doors to units are generally considered limited common property (areas), and are replaced by the association. This affords uniformity in the architectural guidelines which are also available in your governing documents.

When an entry door is damaged and must be replaced, the association replaces the door. If the door is limited common entry property, and the association decides that the unit owner should pay for the replacement, then the unit owner pays.

Garage doors that afford individual unit owners access to limited common areas called (attached) garages, are usually replaced by the association and charged to the unit owner, based on the unit owner's solo use of the garage door.

Legally, a hotel is owned by a single owner and the property managed for the benefit of both the owner and guests.

Each condominium unit is owned individually, and its association manages the business of the condominium.

A high rise condominium is a tall building with condominium units.

Zip codes are an American phenomenon: the Philippines use a different method for organizing their postal system.

The link, below, links to the Philippine Postal corporation, where you may be able to find more information about their postal organization.

You can find the answer you want in your governing documents.

Use of the limited common areas and common areas: balconies and garden decks is covered by your condominium Covenants, Conditions, Rules and Restrictions (CC&Rs), and may have been amended by the By-laws or new amendments or meeting minutes of decisions made by your board.


As well, the local fire department may have guidelines you'll want to follow.

Cluster housing is apparently a design scheme for a group of houses. (See below.)

A condominium is usually a building with multiple units, sometimes multiple buildings with multiple units. (See below.)

Individual homes, even in a cluster layout, in a development where all owners share ownership of amenities, is usually belong in a home owners association (HOA).

For the full text see link below:

Read your governing documents and identify the penalties the board can apply when you are delinquent in paying your assessments.



Some associations will deny you the right to vote, because by not paying your assessments, you are no longer a member of the association in good standing.

You can find the answer in the governing documents of the condominium complex.

It is possible that the board has discussed and voted on a resolution that requires such action that includes a police officer issuing a ticket.


To a driver with a need to park, it should be clear that a no parking zone is not a place to park, regardless of where the no parking zone is located. A no parking zone is just that: not a place to park.

All states have laws and regulations that govern condominiums and homewners associations. While they might be similar, they will differ from state-to-state. You will need to research your particular state's laws for a more complete answer.

In particular, every condominium association is governed by their own set of governing documents which defines specifically where the boundaries lie, separating what an individual owns from what is owned in common by all owners.

As long as they are in compliance with state law, there is no standard to which all these governing docs must adhere, however the above mentioned boundaries will always be set forth.

The advantage is that the board can choose to purchase the unit before it is made available for sale to any other entity.

There's really no dis-advantage, since the board can publish its non-intention to exercise this right, and the unit becomes available for sale to any other entity.

They can but the question becomes: should they? The condo can open themselves to lawsuits for defamation of character. It doesn't seem like a practical solution to collect payment and may do more harm then good. Posting lists can be seen as a personal attack and might provoke people into action. I would advise against doing it and only post legal documents such as eviction notices,etc.

You can read your governing documents to find the answer you want.

Condominium assessments that owners pay are spent to cover communal costs, such as sewer and water, garbage and recycle collection, master insurance policy premiums, landscaping vendors, property management fees and so forth.


Owners who do not pay their assessments or do not pay them on time are failing to live up to their agreement, which they signed when they purchased the condominium unit. When their neighbors pay on time and in full, non-paying or late-paying owners can be said to be 'living on the backs of their neighbors'.


Look in your governing documents for the rights of the board to pursue unpaid or tardy assessments. These rights might include filing a fine, a formal lien -- assessments may be an automatic lien -- in a court, or foreclosing the unit to satisfy the unpaid debt.


In US, there may be privacy laws that could prevent an owner's name from appearing on the bulletin board of tardy assessment payers, but it is possible that the unit number could be displayed. The unit number may be published by the treasurer in the financial reports distributed to all owners.


In some countries, Japan for example, tardy assessment payers' names and unit numbers are posted on the bulletin boards, and the prevailing Japanese culture of shame motivates owners to pay their assessments.