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Acceptance of community-developed rules and regulations 5. Agreement in maintenance standards 6. Cannot "sub-let" without approval 7. Participation in community government 8. Develo pment of a savings plan 9 . Main ta in monthly payments 10. Righ t to buy related needs cooperatively II . Activity in related community activity with children, adult classes , and recrea· tion programs 3/Financing Your Shelter Needs 25 If you are interested in a cooperative approach to housing, several options open up.

It should be noted that interest charges on advances are made from the date of payment only and on the amount advanced , not on the full amount of the loan from the date of closing. A number of old established groups have demonstrated the value of working together to produce good housing and community life. Two examples are : Koinonia Partners in Americus, Georgia, is a religiously centered community which has been together since 1942. In 1968, they established the Fund for Humanity , which was a way to develop a capital fund to invest in low-cost housing, a community center, and numerous small industries in which their neighbors could find jobs and creative work .

Also, find out who is responsible for the enforcement of the code. Most towns have one or more building inspectors who issue building permits and then follow up with field inspections to see that the construction conforms to the code. After obtaining the code, read it thoroughly. It will pay to get a copy of the code before committing yourself to the purchase of a piece of property. Refer carefully to the checklist at the end of this chapter to see if there are any provisions which you can't meet.

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