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The ownership of a condominium apartment is similar to the ownership of real property.  A purchaser takes title by deed, which is recorded in the municipal office where the property is located.  In a condominium, a purchaser owns the apartment plus a percentage of the common areas of the building known as "common elements".


Each individual apartment in a condominium receives its own tax bill.  The purchaser pays monthly common charges which are a share of operating costs of the building, including employee salaries, insurance, fuel, management fees, cleaning and upkeep of the building.  There is generally no approval process or financing limitations on the amount of money you can borrow to purchase a condominium apartment.


The straightforward process of buying a condo coupled with the fact you can in some cases finance up to 90% of the purchse price and sublease them at will, makes condominiums the number one choice for flexibility.