The term housing tenure referrers to financial arrangements under which an individual or family has the right to live in a house or apartment.
Types of Housing Tenures
Owner Occupancy – this is when an individual or family owns the house, the land where it sits on, and occupies it.
Tenancy – this is when an individual or family pays a substantial amount, which is referred to as rent, to a landlord or structure owner.
Condominium – this is when an individual owns the house or apartment but common grounds such as hallways, elevators and other external areas are owned by a homeowners’ association. For maintenance to these common grounds, fees are charged to condominium owners
Public Housing – these are government houses that are provided to individuals for free or lease at a certain rate.
Squatting – this is when an individual will occupy a certain structure or unit without the permission or knowledge of the owner. These type of people are usually called “Squatters”
There are also two styles and variations of housing tenure which are:
Timeshare
Timeshare properties are modifications of housing cooperatives, condominiums or apartments. They have short-term residency privileges and usually agreed upon for vacation purposes.
Cohousing
This is a kind of community which is manage by other home owners that want to interact more with their neighbors. They all share common areas such as large kitchens, playgrounds, laundromats, pools and other types of amenities. Cohousing is sort of like a housing cooperative in a sense.
All of these kinds of house tenure are usually accomplish with loans and knowing how to take advantage of these loans is a very big help.
Make it a point that you are using a 100% interest-free account since interest would just pile up and you will never get your loans paid off. Also, make sure that you make your payments on time since this may result in you defaulting and you will end up loosing your interest-free privileges. Other than that, when you default, you interest will go up and you may end up more that you were paying for in the first place.
With all these in mind, it is very crucial that you make sure you have all your assets budgeted for present and future expenses. It would be a very big problem when you come short on monthly payments or may not have enough for daily needs.
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