A separate apartment is the dream of every person, but it is possible and how to accumulate on it without the help of a mortgage. The cost of housing today scares the number of zeros, so some do not imagine how to buy it without making a housing loan.
In fact, if you go out the goal, then you can save on your apartment for a rather short period of time, despite the fact that housing prices continue to grow, and salaries remain at the same level. If you constantly postpone my salary, having an average size, then the accumulation will succeed in 10-15 years. But this is not the best way out, especially since it is to buy one of the cheapest accommodation options.
According to experts, if a family with an income of 120 thousand will postpone equally half each month, then buy housing will be able to years after 6-7. But all this is fraught with serious financial losses in case of inflation.
So, how to collect money to buy your own apartment.
It is possible to work out at home, behind your home computer. There are several options for remote earnings for PCs, for example, writing paid articles - copywriting. More information about earnings, without leaving home, you will receive in this article.
If you already have an apartment, but she does not suit you, try to pass it. It will also provide you with an additional income.
Try to multiply the money already accumulated. Here are several ways. The first and most secure is to put funds for a deposit. The most attractive proposals for bank deposits can be found in this review.
Thus, if you take a case seriously, then accumulate to your own apartment without the help of the mortgage is quite real. Additionally, we recommend reading the article where real tips are presented regarding how to quickly collect money.
If you want to know how to get a loan without fail? Then go through this link. If you have a bad credit story, and banks refuse you, then you must read this
Most people dream of their own residential real estate, but do not take any action. They most often only reflect on what is never saved to the cherished square meters, or are waiting for the property to come from someone.
Daily apartments buy the same ordinary people as we with you. Surely you ask a question: "How did they do it and where they took the money?".
And everything is quite simple - they are in turn:
If you want to change your life, but do not know, then we recommend starting from setting the goal.
Tell yourself that you buy your own accommodation in a year. Your goal should be clear and real. Earning 20-30 thousand rubles and having no savings, you should not hope that exactly 365 days you will become the owner of a 3-storey penthouse.
Go from simple dreams to real actions. You need to decide on the characteristics of the future apartment to understand how much you have to earn and how long to save money.
In order to be easier to make answer the following questions.
Responding to these questions, you will easily calculate how much during the year you will have to postpone to acquire your own property.
for example You want to buy a one-room apartment in the city center. We go to the real estate site and see how much at the moment it is worth the apartment that you would like to buy. Suppose the cost of one-room apartment is 2 million rubles. You have a fourth part of the amount, that is, 500 thousand rubles.
After conducting a simple calculation, it turns out that over the year you need to accumulate 1,500,000 rubles.
A month will have to postpone:
1 500 000/12 \u003d 125 000 rub. / Month.
So, you decide to buy my own apartment in a year. But for this you need to do something. First you have to "tighten the belt" and. But you do not need only bread, and drink it with water.
Save - Does not live worse and restrict themselves. It is enough to simply control your expenses, abandon the "Money Eaters", do not waste blood earned thoughtless.
In order to prove to all readers that saving money really to get into the apartment, we suggest to consider the following table.
| Costs | The value of expenses |
| Impulsive purchases | Impulsive purchases take 500 rubles per day. This is 15,000 rubles. per month. Per year 180 thousand rubles. |
| Bad habits |
Cigarettes: 1 Smoking family member on cigarettes spends from 100 rubles / day, for two accounts for about 150 rubles / day Per year: (150 * 30) * 12 \u003d 54 750 rub. Alcohol: one person on average drinks 3 l. Beer per day. It is 50 * 3 \u003d 150 rubles. If you drink only on the weekend, then for the year, 54 750 rubles is spent on alcohol. |
| Entertainment | A campaign to the nightclub is on average by 5 thousand rubles. per person. If you visit such institutions once a week, then in a month you will spend 20 thousand rubles. And for the year 240 thousand rubles. |
| Rent housing | On average rental housing costs 14 thousand rubles. per month. During the year it is 168 thousand rubles. |
| TOTAL: | 642 750 rub. |
Cutting useless spending can already have a part of the apartment for the year. Or use these means as an initial capital.
The same calculations can make each. You will be very surprised at seeing your numbers.
You probably heard that our thoughts are material. Someone believes in it, and someone is not. But, nevertheless, we would still advise you to think positively and believe that in the near future you will become the owner of the apartment.
For one who does not know how to visualize his dream, we offer to use the following way. Create a poster (collage) of desires. One of the items must be an apartment. You need to find the picture of your dream apartments (for example, in a log), cut it out and stick to your poster.
You must hang your creation in a prominent place. Thanks to this, you will always look at meeting a picture of an apartment and achieve the goal.
At this stage, you can go a few ways:
And now about how to make money on the apartment we will tell in more detail.
Many people are skeptical about the idea of \u200b\u200bmaking a loan. They believe that this is voluntary slavery in which people drive themselves alone. But in some cases this is the only acceptable option for receiving money.
Before making a mortgage, read all the terms of lending and calculate how much you overpay. It is easy to do on the bank's website. Often the amount of interest is the amount of the loan itself. For example, you take 2 million rubles. For 10-15 years, almost 4 million will be returned to return.
In addition, there is always a chance to stay without work or the financial position of the family may worsen. Making a mortgage on such a long time, you cannot be sure that in 5-7 years you will be solvent.
On the other hand, due to inflation, the money is depreciated every year and, perhaps, you wander your mortgage ahead of time.
The option with a mortgage can be viewed when you have a part of the amount for the purchase of an apartment, and you have an additional income that will fully cover mortgage payments.
Some people in order to have their housing go to different sacrifices and inconveniences. For example, it is often possible to meet the situation when the elderly people who need special care conclude a rent with young people. According to his items, young people inspect the old men, and after the death of the latter, the apartment automatically gets to persons who have been care.
This option is more suitable for women, since they are easier to adapt to such conditions. Perhaps you have to live with an older person, followed by which you will care.
But be prepared, what to inspect, maybe you will have not one year. The main disadvantage of such an apartment obtaining is the ability to terminate the contract and high costs.
for exampleFor 5 years, you cared for an old man for 5 years. But he seemed to him on some day that you do not cope with our duties. It terminates the rental contract, and you make it possible to get it housing. At the same time, the money you spent on the old man (they bought him food, medicines, etc.) Nobody will return to you.
Weigh all "for" and "against" before going to such a step.
Most often young families need in their own housing. If the pair has accumulated, for example, the third part of the money, then you can contact your parents for help.
Close people will try to find a way to help. Perhaps they will have a certain part of the amount, and they can sell the cottage, which has not appeared for a long time, or their own car, which travels several times a year.
If you have an apartment, but you want to buy accommodation with a larger area, you can make a mortgage on the security of the apartment in which you live.
After that, in one of the apartments you let apartments. Monthly tenants will pay you a rent, which you will extinguish a mortgage.
But do not forget to take into account the factor that the apartment can stand for some time until you search for tenants, so it is necessary to have some financial supply to pay monthly mortgage payments in case of force majeors.
You are also not insured against the troubles associated with negligent tenants. They can damage your property.
The state takes care of young families and in some cases helps materially. Money-laid money can be spent on purchasing an apartment. It is only necessary to set the goal and find out about all available states. programs.
For example, Russian families at birth or adoption of the second and subsequent children can count on the so-called maternity capital.
This option is suitable for families where at least 2 people work. His meaning is as follows. The family should live on a salary of one working, and to postpone the second.
For clarity we will understand example:
The cost of the apartment is about 1.5 million rubles.
Each family member's salary is about 25 thousand rubles.
If each month is postponing these 25 thousand rubles, then after a year you drive 300 thousand rubles.
On the apartment you are bypass in about 3-4 years.
If your current work is completely satisfied with your current job, but the salary leaves much to be desired, then we advise you to get an additional source of income.
It is best to find a source of passive income.
Passive income – This is when you make an action once, and get a profit for a long time.
for exampleYou put money on a deposit to the bank for the year. Within 12 months, not doing anything, you can get interest on the deposit.
There are many ways to passive earnings. . But we will focus on the 5 most popular options.
In order for the year to get ready for the apartment, you can, and receive passive income. There are many options for earning on your own website. Only there is one "But!" You must be ready for the fact that for 6-12 months will have to work a lot, invest money, and profit will start receiving only when the site is visited, interesting for advertisers, etc.
If you do not know how to create sites, then for a specific fee. After that you are "spinning" it and sell more expensive.
You can also buy a spinned site. It will be more expensive, but in this case you do not have to wait long to wait for profits.
If you do not like your work, and it does not bring you the desired income, then it's time to change it.
There are several options here:
Whether you will change the place of work and the delivery of employment, we are confident that it is quite realistic to earn an apartment for 1 year.
In confirmation, we offer to your attention 8 promising ideas in earnings:
Realtor
Realtor - This is a real estate agency worker who helps buyers find suitable accommodation, accompanies the client throughout the purchase / sale transaction.
Selling apartments are not so difficult, as it seems, at first glance. If you have free time and desire to work, then you can try to master this profession. Moreover, no investments are required of you.
We mention only that real estate agents receive 10-15% of the value of the transaction. We will calculate. If the cost of the apartment is 2 million rubles, you can earn 200-300 thousand rubles per deal, and a month there can be several of them.
Resale apartments in the new building
Everyone knows that apartments in houses under construction are at times cheaper than real estate that has already been commissioned.
So you can buy another unfinished apartment (at the level of the pit), and when the house is completed and surrender, sell more expensive.
For example, you have enough money for a one-room apartment, but you want to buy a two-room. In this case, you acquire one-bedroom housing in a not completed house, and when it is commissioned, sell your property with an extraction of 15-20%. The revenue money should be enough to buy a two-bedroom apartment.
Part-time job on your own car
If you have your own car, you can and need to earn. You can get to the taxi service, be a courier or work as a driver in some organization.
In addition to the classical ways of earning a car, you can use extraordinary methods. For example, distinguish machines from abroad and sell in the Russian market. It is best to distinguish from the Baltic countries, Germany or Poland.
Organization of training courses
In case you are a creative person and know how to do what others do not know how, then you can open the author's workshop. There you will be able to train all those who wish to your skill for a certain fee.
It may be the manufacture of unique dolls, jewelry, clothes, etc.
Resale for goods
Sufficient enough income are obtained by people who are engaged in resale (speculation) of goods. You can trade the most diverse products.
Now many buy Chinese goods and resell them at times more expensive.
Breeding exotic animals and plants
A good capital can be earned by separating rare exotic animals and plants. In any city there are connoisseurs of such a product, while they are ready to upload impressive sums for their weakness.
You can implement representatives of flora and fauna via the Internet or specialized stores.
Opening your own business
Think what you most like to do and what is best obtained. Maybe it is worth starting to engage in this. It is time to leave the comfort zone and open your business.
For example, a man worked for several years a mechanic for a hundred. I like this occupation and everything that he will not take, it turns out. Then he needs to risk and open his own hundred. Thanks to this, he will be able to earn more, expand its business and develop.
Buying an apartment, people often laugh independently searching for their future housing and turn to real estate real estate agency. For a certain percentage of the transaction, experts are engaged in the selection of apartments and accompany you at all stages of the sale of purchase and sale.
All this beautiful sounds, but in practice it turns out that such agencies do not have their own base, but are looking for options in newspapers, on real estate sites or bulletin boards. But you can do it yourself.
Many realtors do not have the necessary legal education and cannot properly advise you in any matters.
If you are afraid to decorate yourself, then it is better to turn to experienced lawyers. It is they who know all the little things and the subtleties of the purchase of real estate. Of course, lawyers will also have to pay. But so you spend 2-3 times less.
In order to understand how to make money on an apartment, having a small salary, you need to analyze your expenses, and determine the parameters of the desired apartment.
Let's just say that at the moment we do not consider housing in Moscow or St. Petersburg, since the salary of 30 thousand rubles in these cities is unlikely to have enough family "for life", not to mention the accumulation.
Therefore, with this income will have to buy an apartment outside the city or in small settlements.
So, one-room apartment is in good condition 2-2.5 million rubles.
Having salary B. 30 thousand rubles., You will have to abandon your own car and removable housing. We'll have to live for some time with relatives and transfer to public transport.
On the meal on average per person leaves 8-9 thousand rubles. If a family of 2 people - 17 thousand rubles.
On public transport and other minor expenses - 5 thousand rubles.
Remains 8 thousand rubles.
We calculate and determine how much you have to save on an apartment, worth 2 million rubles.
2 000 000/8 \u003d 250 months or 20 years
If in the family 2 working person, then about 10 years. But remember that during this time you will be limited in everything. And with the advent of children, spending will increase.
As you can see, it is possible to give 2 million rubles for the year, with a salary of 30 thousand rubles will not work, even if you won't spend a penny. But you will be able to accumulate on the initial contribution of the mortgage. Summing up, let's say that if you really want to have your living space, then you should be vital for a part-time job or change the current work.
Deciding to accumulate money to the apartment for the year, you set a fairly difficult task. During this period, you will have moments of mental lifting and decline of forces, since there will be a lot to work.
In order not to surrender and continue to go to the cherished dream, we offer to take advantage of the following recommendations:
Quickly make money on the apartment quite real. But everyone who will set itself such a goal, it will be necessary to get out of the comfort zone. Surely you will have to change the lifestyle, learn how to save and keep records of spent money, refuse to entertainment, perhaps to change the profession, and find and find a new job.
Someone, it turns out, save money, and someone has no. We know one thing in order to earn such an amount for such a short time, you need to act. Namely to put the goal and go to her, no matter what. We are sure you will succeed, and very soon you will be proud of yourself and boast your own housing!
Greetings you, dear friends! I have excellent news for you - own housing to be! Yes, yes, you did not hear. In our country, buying an apartment through a mortgage - a large-scale event. Many people have to save money for her implementation almost all their lives. And some and this time is not enough for, finally, to purchase personal property. In general, even if your salary allows you to take a loan in a bank, then in any case you will need funds for the first installment, and therefore, one way or another, and you will have to break your head over where to take money. I suggest you do not worry my head and not postpone the purchase of housing in a long box, but with me find out how to accumulate on the apartment, and start moving towards your dreams.
Unfortunately, the average worker with a salary of 20,000 rubles per month to accumulate on the apartment will be very difficult. That is why you need to think what can you work onTo start postpone on the initial contribution of the mortgage. Easy to say, it's hard to do. Of course, many of you will now say that there are no idea what to start searching for a part time, and do not imagine where you can find additional sources of income. But these are only excuses.
I advise you in the first place to ask myself a question " What can I do?». Right now Take a sheet of paper and write down on it all your knowledge, skills and specific skills that you have managed to purchase during your life. Now browse the resulting list and ask yourself the second question - " What of this I do the best?" Any of your skill in a particular subject area is your advantage in the labor market.
Well, finally, the last question you need to ask, looking at the list. " What can I bring the greatest income from this?" Here I recommend you to celebrate a couple of options. Now boldly choose the point that you like most to which your soul lies, and begin to actively work in a given direction. You need money for you. You can get them different paths, among which:
And now you burn yourself on the nose, what things throughout the entire accumulation period will be a real taboo for you. Now we are talking about investments and purchases. So:
Since we all know about the fact that money loves accountObviously, the better we will consider them, the more they will have them.
Order a profitable card. Earlier, I did a review. Read it, it is possible that you will like some plastic. So you make money work on you and your dream.
Discover the deposit with the capitalization of interest. This will allow your money not to dust on the shelf, but bring you a small passive income and help accumulate money on the apartment as soon as possible.
Install the meters on the water and start saving on utility bills. 
If you have a three-phase meter for electricity, translate part of household affairs in the night mode. For example, start wrapping at night, cook in a slow cooker at night.
In the most early time distribute all your debtsif any, and do not count the money.
But before you go into savings mode, I spell you: start earn more. Only in this case, after a year you will have the amount necessary for the first contribution of the mortgage. Yes, the gained experience will prepare you for a loan in moral and material plan. I advise you to start looking for an apartment somewhere 2-3 months before your bank account will appear for purchase. Thus, the problem will automatically disappear, it is profitable to take a loan, and you do not have to spend precious time.
Since without the initial contribution, the operation of the mortgage loan is not very easy, it is necessary to take care of the decision of the most pressing problem - how to accumulate this amount in the shortest possible time? I will immediately tell you that the money for the first contribution of the mortgage is not at all the same as saving to the "gray day". After all, you need to have a specific amount for the designated deadlines. I suggest you take advantage workers Accumulation strategies.
Studying the errors of economic planning, the well-known economist Shlomo Benigns created a standard scheme for the behavior of people broke through how to take a mortgage. His study showed that about two thirds of Europeans were never engaged in long-term savings, and therefore they do not know how to predict their spending.
Simply put, people are not accustomed to cut their expenses And deny yourself to familiar things. Fear of restriction prevents them from postpone. To solve this problem, Schlomo offers to save according to the scheme " tomorrow more" Her idea is to gradually increase investment. That is, first you postpone 3% of your monthly income, gradually increasing the share of savings. The period through which the increase in the accumulation part will occur, depends only on you and from the purpose you are haunting.
I will immediately say that if you decide how to accumulate to your own apartment in Moscow, being a specialist with a salary of 30,000 rubles, the deadlines you need huge. Since we need the amount for the initial contribution of the mortgage loan, we can increase the share of savings by 1 percent in each new month. Although it is more profitable to take step in 5%which will be done every 3 months.
Of course, you can't infinitely increase the share. Gradually, you will come to the maximum that will be optimal for your savings and comfortable for you. It is clear that no one has canceled current life costs, but in this case it is important for us to learn to follow this principle. Bengrisi himself is convinced that much more far from postponing money on the residual principle. In addition, if you suddenly increase income (the salary increases, for example), it makes sense to translate into the accumulation and difference between the new and old salary, a prize.
This accumulation option is much faster than the previous one and distributed. The method is based on rationalizing income division. Since to control the income, broken into many parts, is extremely difficult, it is necessary to break the salary of only 3 categories:
Strive to follow this technique and share your income in this ratio. Remember that the most important digit in this formula is that future accumulation. However, this does not mean that you need to forget about current expenses, save on yourself and thereby lose motivation, periodically breaking down and spending accumulated on hiking in a cafe and shopping.
Social mortgage for newlyweds. Families are provided in which each of the members did not reach the age of 35. Thanks to this state program, you can get subsidy for a mortgage. The size of this aid is calculated on the basis of the number of members of your family.
If your young family recognize in need of improving housing conditions, you will need to assemble a special package of documents and register in the city administration. I advise you not to rush to do this case, and first find out how actively this program is developing in your area of \u200b\u200bresidence, and how many families have already managed to receive compensation for the purchase of housing.
The family in which the second (or third, or fourth, or ...) child was born, can take advantage of maternal capital to pay the first contribution of the mortgage loan.
You will be able to get such a loan if you can provide accommodation available in your property. However, be prepared for the fact that the bet on such a mortgage will be somewhat higher than the average.
To speed up the housing purchase process, use funds from the sale of assets as an initial contribution. A vivid example of an alternative deal can be considered the sale of you already have an apartment and buying it to change another. Alternatively, you can take a mortgage to the apartment with your good friend or relative. When the loan is repaid, you will sell an apartment, share money, and your profits use as the first mortgage payment to your own housing. The only nuance that needs to be known: assets must be sold 2-3 months before the loan. It is such a period that the bank is required to approve a credit application.
Let's calculate how quickly we will be able to repay the mortgage loan, if we purchase an apartment that will cost 3 million rubles. Those of you who read my article "" may miss this item, since already familiar with these calculations.
So, I propose to immediately make the breakdown of borrowers into three categories:
Let me remind you that banks calculate monthly mortgage contributions and fix them until the end of the lending period. That is why you will know how much money will need to be given to the bank every month.
Thus, it turns out that if you tighten the belt, take advantage of all the above councils on accumulation and increase monthly income, literally for 10 years You can become a full owner of our own housing. Well, if you add here more and the possibility of registration of tax returns from the purchased apartment in the mortgage, then you can pay a loan even for 7-8 years. About how compensation for interest on taxes is happening, I will not tell now, since all the information you are interested in you can find in my separate review, which I will deliver this particular question.
Before you take a mortgage to the apartment, you need to evaluate all possible risks associated with accumulations. I suggest you consider the most common And with me it is to find out how their influence on the final result can be reduced.
You must be prepared for the fact that it will be quite impressive amounts from your familiar budget from your familiar budget. extremely difficult and painful. As soon as your primary enthusiasm subsides, and the accumulated amount will be equal to several monthly family incomes, you will have an incredible number of temptations to use it not on the priority value or even abandon some time from savings to solve some current problems.
To avoid such a variant of the development of events, before the start of the accumulation of the mortgage make a reserve For all sorts of unforeseen expenses, the amount of which is equal to 3-6 monthly traits of the family. Thus, you enhance yourself from the desire to "fit" into mortgage money, if it really happens something that will require urgent spending from you, not stacked in the budget. In addition, knowing that you have such an unpleasant habit of spending money about and without, make it a small cash supply for yourself, which can be spent on pampering and treatment from a bad mood.
Since investment money is in a state of free game, we constantly risk losing some part of them. This principle is completely inappropriate in the case when it comes to mortgage money. These savings should be securely protected. And ready to use in the designated period. Otherwise, your dream about its own housing will change in a long box.
Do not attempt to increase money deferred to the initial contribution of the mortgage loan, investing them in securities, mutual mutual pieces and derivatives. Remember that money should be stored in such a way that there is no not the slightest probability Reducing their quantity.
This item is largely similar to the previous one. However, in this case, we will talk about the storage of mortgage money. in foreign currency. Agree, the unsuccessful purchase of the currency is the right path to the delay of the mortgage loan. It also applies to reliable investment such as the acquisition of bond effects or any funds in the money market. In principle, this solution is quite reasonable, but it must be remembered that in crisis the price of these assets may seriously fall.
It is possible to solve such a problem as follows. The closer the deadline will approach your investment portfolio, the smaller in your investment portfolio should be "almost safe" investments like currency and bonds. Try to refuse them for 3-6 months before making the first loan payment. By the way, there should be a choice of a bank in which your capital will be kept. Choose maximum reliable commercial bankDo not chase at high interest rates. As a rule, the most profitable organizations are burst in extremely inappropriate moments.
If you chase a little big income, it is guaranteed to keep the main body of the capital, the trival loss of all interests accrued by you may occur. For example, most investment companies offer their customers complex products, guaranteeing them the return of investments and offering the possibility of obtaining income more than in the bank. In this case, the risk associated with the possible loss of several percent per annum turns out to be completely unjustified if the shelf life of your capital is strictly limited.
I strongly recommend that you store your mortgage money exclusively in reliable banks that provide the opportunity to replenish a long-term contribution, even if they offer not the highest deposit rates. Try maximum exactly planning the deposit timeSo that you do not have to lose interest in the early removal of funds.
It is unlikely that I will surprise someone if I say that several hundred thousands, and even more than millions, rubles - an enviable target for all sorts of fraudsters and scammers. That is why it is necessary to think in advance about the implementation of the "anticriminal" plan.
Try not to apply that you are postponing money for an apartment. Limit the circle devoted to your financial plans even among loved ones. You understand that even those who do not wish you evil, can be larger to run out of your plans and successes. This is especially important for those whose usual circle of communication is completely not used to such amounts of savings. Unfortunately, money often cause envy and increased attention from the strangers. Trust your capital bank, refuse to bind account to your plastic cards, mobile phone and Internet banking. And if they tied, keep cards and access to home, with maximum insulation from the outside world.
Some banks provide special conditions for those customers who wink money for a mortgage loan. Now I'm talking about special mortgage deposits With various bonuses. Must admit that non-interest bonuses are often much more profitable than higher interest rates in other banks.
I advise you to explore all available banking offers on mortgage deposits. Special attention is paid addition to annual percent. As a bonus, you may be offered a discount on a mortgage or free rental of the safe after the deposit period will be completed, as well as much more.
And finally, a couple of tips that will help you realize your dream about our own accommodation in the very near future:
Whatever it was, but alone to get the amount necessary to acquire housing - the task is extremely complex. Just think: you will need to live somewhere, pay for a communal, products. To facilitate the task, write on the paper sheet of relatives and loved ones you completely trust. Choose those who found themselves in the same situation as you, and have an identical housing issue. Offer them to save on the apartment together with you, putting equal shares for real estate.
If you share all payments equally, you can significantly reduce the period of paying a mortgage loan and live together with a partner on the principle of a removable apartment. The only difference is that you will pay for your property. As soon as half of the loan is paid, the apartment will be sold, and at the expense of the revenue money to pay off the balance of the debt. The remaining difference can be divided equally and used as an initial contribution of the mortgage loan to your own apartment.
Unfortunately, nothing falls on your head just like that. To achieve the desired results it is necessary to work much, develop and self-improvement. You must understand that any experience and knowledge may be subsequently monetized. A person who is just and does that whine about his salary of 30,000 rubles, from which it is necessary to give a monthly apartment for a removable apartment of 20,000, will never be successful. It is necessary to master new professions, try to earn on other activities or improve your own qualifications to advance through the career ladder and get a big salary. Take the habit in parallel to postpone the money, invest They (at least in the bank deposit), make it work for you. If such changes do not like you and you are not ready for them, it means that everything you have - continue to reduce the ends meet, to join the removable apartments and make large purchases exclusively on credit.
So I approached my logical conclusion of our economy lesson. I really hope that you can apply the knowledge gained in practice and realize your dream about buying your own housing. Share in the comments with your mortgage experience, tell how you copied to the apartment, what difficulties arose, and how you struggled with them. Well, on this all, dear friends, to ambiguous meetings!
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If earlier housing was given from the enterprise, from the state, in turn, now it became almost unreal. How to accumulate to the apartment with young people who have no initial contribution and maternal capital? What can save and how to earn additional funds?
The question of how to accumulate on the apartment, thousands are given, millions of people.
One of the most common ways is to work abroad, a tough savings mode and sending money to homeland (or replenishing a bank account). Many so-called "labor migrants" tries to collect the necessary amount, "enhanced" for four in the West. Nevertheless, even without fulfilling the total cost of housing, you can take a mortgage loan. Banks constantly soften the conditions for obtaining a loan. Therefore, the question of how to accumulate to the apartment, turns rather to the task "how to pay a mortgage." Enoneling people who have at least a small housing, try to pass it, and the funds leased to postpone the funds for the purchase of a new or repayment of the loan.
The second option is to remove where cheap, set the strictest savings mode. Try to use free services and purchase only inexpensive goods. If you stop at least seven-ten thousand rubles per month and not to spend them under any circumstances, in a few years we will have an initial contribution and the question of how to accumulate to the apartment will be resolved. It is possible for these purposes, for example, to intend the entire salary of one of the spouses or but for several years it will have to deny itself in many respects, deprive themselves "innocent pleasures" and small joys. Are you ready for such a lifetime?
How to accumulate to the apartment quickly and painlessly - this question is tormented by many of our fellow citizens. After all, you want to separate from the parents as quickly as possible, and wait for ten and fifteen years it seems impossible. And here, all sorts of proposals for the game on the stock exchange, on Forex, the use of savings funds come to the rescue. Of course, there are real examples of how several successful deals can increase the starting capital. However, do not forget that if our main problem is - how to accumulate to the apartment - you need to carefully and carefully weighed all the risks. The game on the stock exchange requires not only knowledge, and the following strategy. It is also associated with elementary luck or luck. One manages to "drink champagne", others lose everything. Ready for risk, but do not want to take over all responsibility? Think about special bank deposits with a return warranty. These institutions specialize in attachment of capital.
Is it possible to accumulate on the apartment on ordinary deposits? It is unlikely that there are practically no rates now but if you acquire investment pairs - that is, in fact, you provide the bank the right to decide where to invest money, then with a successful portfolio distribution, the chances of making money on the stock exchange increase. However, considering various options as accumulating on the apartment, it is always worth remembering about for example, if earlier investments in precious metals were considered the most reliable investment of capital, then over the past two years, gold is very much - almost one-third (and silver more than half) - fell in price.
It is much safer to organize your own business and perhaps one of the most reliable ways to quickly accumulate to the apartment. It is worth looking for an income niche, good suppliers. To establish trade can always bring profit. It is worth only to remember the observance of laws and fair competition.
Housing problem is very acute in Russia. There is a huge layer of adult children living with their parents after 18. Someone leads to his wife's parent home, and someone because of the absence of housing cannot build full-fledged relationships and their family. However, today is a global problem, except in the countries of Europe salaries, at least allow you to remove housing without problems, which cannot be purchased.
In Russia, housing prices in combination with humiliating low salaries create a situation where rent a one-room apartment in the regional center costs 20 thousand, and salaries for young people are offered not higher than 15-20 thousand. And how to remove something?
However, statistics statistics, and it is somehow necessary to live. Today guest expert journal Reconomica. He will guide his story, as with a small salary to buy its accommodation. You can simply copy the following techniques to advance to buy a lined apartment.
My name is Alena. I am 24 years old. But my work activity began at the age of 18, when I, graduating from school, went to receive education in another city. Thanks to his mother, I grew by a purposeful person and after graduation a firmly decided that I myself earn at such an expensive purchase, like an apartment.
The percentage of young people living with parents in Europe.
I accumulated on my own one-room apartment for 7 years. With your example, I want to prove that my housing without loans is not a myth, but really achieving the goal.
In modern economic conditions, when life is becoming more expensive every year, every penny, and to overpay the bank a whole condition is just a pity, the topic of my article will be very relevant.
Now in society there is an opinion that buying a private housing, having (or a little less) unreal, so many mortgage lending has become so popular.
According to the sociological study of the Public Opinion Foundation for 2016, more than a quarter of Russians have housing in the mortgage. And according to the credit historical bureaus, the number of overdue payments on this type of lending in the same year increased by 20%.
Few of the hunting mortgages thinks that he overpays two more apartments. Not for all credit burden turns out to be under power, as confirms statistics. In addition, despite advertising statements, in practice, the banks tighten the requirements for mortgages every year: the size of the initial contribution, age, the level of wages, the number of dependents, etc., is already talking about many.
Thus, it becomes more difficult to purchase their own housing in the mortgage, and only one option remains - to accumulate. There are, of course, more ways. Such as, loan from friends and relatives, etc. But I do not consider them, since their implementation is limited by many circumstances, and they cannot be reed.
In a non-standard city, I found a job that could be combined with the curriculum. I lived at the moment, like most non-resident students, in a hostel.
My wage at that time was 17,000 rubles. In addition, the article of my income replenished a scholarship in the amount of 2 500 rubles.
I approximately figured my monthly expenses on the leaves, and that's what I got:
Total my expenses per month amounted to 10,350 rubles.
Based on the calculations received, it turns out that per month I could postpone about 9 thousand rubles.
At first I decided that I would postpone the amount in the envelope, which would increase at the end of the university when I find work in the specialty with a higher salary. According to my calculations, it was out that at a small one-room apartment worth about 29 thousand rubles per 1 square meter. m. In a not very good area of \u200b\u200bthe city (quite a real price for provincial cities) I will accumulate for 9 years (taking into account the increase in income after the end of the university and without taking into account prices). This is a long time and such a way of accumulation was ineffective, since I did not take into account many moments.
First, after 4 years, the bachelor took place will be forced to leave the room in the hostel, and then such an unpleasant cost of expenses will be added, as housing. Rental housing will not only increase the accumulation time, but will lead to the fact that for such a long time will depreciate. In this case, the same mortgage will be more profitable. Yes, and save such a long time money in our country, taking into account the sad experience of the 90s, is dangerous.
Secondly, the money lying in the envelope will not be able to bring additional income, and we lose the opportunity to increase our capital, and you need to use all potential resources.
Thirdly, when the money is at home, then there are constantly unreasonable reasons to spend them, and the money is imperceptible to break.
Dream will be a reality, only discipline needs
To solve the problem, I studied the budget housing market (rooms in a communal apartment, studio apartment), taking into account previous mistakes and developed a new strategy - as soon as the amount is accumulated enough to buy the best housing, I acquire the first inexpensive accommodation. And in the future you can improve housing conditions, accumulating and adding money from the sale of available housing.
From the editor: In this scheme, you need to be able to act without a realtor, since the Commission agencies and taxes for multiple real estate transactions will "eat" all benefits. Check out our material "".
I initially decided that I would buy the first housing at the end of the training, because I would have added an article for renting expenses, which is significantly larger than the payment of a hostel. For 4 years I have accumulated about 450 thousand rubles (taking into account bank interest).
For 430 thousand rubles, I found a fairly good room in equity property. I was lucky with the neighbors. T. K. Before that I lived in a hostel, my life did not change qualitatively. For the remaining 20 thousand rubles I made repairs and even bought furniture: a small sofa (used), a table and a chest. The room turned out very cozy. It was my first, albeit a small, but bought for my honestly earned money, housing. I was overwhelmed pride.
I copied another 3 years so as not to pay for the sale of the room tax. My expenses and revenues changed. Instead of the article "Fee for a hostel", an article "Communal expenses" appeared. I found work in the specialty and earned 30 thousand rubles already. This is with a population of about 600 thousand people for 2014. All other expenses increased by an average of 20% due to inflation and other reasons. To postpone about 18 thousand rubles per month. For 3 years, the amount of 650 thousand rubles has accumulated (taking into account interest in the bank).
In my case, the means from the sale of the room (450 thousand rubles) and the accumulated money (650 thousand rubles) went to buy a one-room apartment worth 1,020 thousand rubles. The apartment purchased from the developer is in a new part of the city under construction. The price of apartments on the outskirts of the city is below 40% than in the center. For the remaining 80 thousand rubles, I made an inexpensive repair and furnished apartment furniture.
So my dream came true! The goal is achieved. In 24 years I have my own apartment purchased for accumulated money.
Among numerous acquaintances there are only 1 person who has accumulated on an apartment for 5 years without resorting to borrowed capital. 95% of them believe that this method of acquiring housing in modern conditions is almost impossible and unprofitable, leading the following arguments:
These are the most common arguments that I heard. Each of them I want to comment.
First, the cost of housing is growing not as fast as inflation. In Russia, it is believed that the real estate is always becoming more expensive, but it is not. It is easy to trace if you compare ads for the sale of housing over the past 10 years.
Real estate prices still have not exceeded 2008 peak
In fact, prices can and decline. For a long time, they were so inadequately high that every solvent demand is dried, and an inexorable law of demand and suggestions forces owners to make concessions and make substantial discounts.
It is important to understand that the price of the offer and the price of the transaction is not the same. So, according to the largest Moscow real estate agency Inkom, in 2017 the difference between these indicators (the actual discount) in Moscow is 20-25%!
In 2008, none of the Moscow sellers and hear did not want the proposal less than 7 million rubles for odnushku on the outskirts. 10 years have passed, and the same odnushki is hardly sold for 4 million rubles, while Ruble lost half of the buying ability during this time. This situation will not last forever, but now the real estate market in Russia on the side of buyers.
Secondly, the apartment de facto belongs to the jar and will become yours only when you pay a loan. And it will happen only after many, many years. For comparison, I used a mortgage calculator on the Sberbank website. Approximate calculation issued the following results.
Based on the calculations, the Bank will give a loan for such a term (7 years) only under the monthly payment of at least 23 thousand rubles. Do not forget that such an amount per month most provincial families and lonely people will not pull. And even pay attention to the amount of overpayment - 484 thousand rubles. For this amount you can buy a car! Therefore, the conclusion about the disadvantage of the mortgage, with other things being equal, is obvious.
Note, i did not postpone 24 thousand rubles per month, I would simply physically could not do this with my salaryHowever, the apartment bought the apartment for the same time!
The argument on the unattractive living conditions in the communal apartment is subjective. It is necessary to choose a smaller out of the evils: to suffer 4 years in a communal apartment and purchase your housing without such huge overpayments or carry a mortgage burden of 10-15 years, overpaying another apartment. All individually. After all, the purpose of this article is not a description of the best housing, and a description of the real method of acquiring an apartment for accumulated funds.
Many young people dream of living separately, but even more dream of their car. It concerns guys than girls, of course. And then the choice is almost always done in favor of buying cars - simply because people seem that prices are incomparable. The apartment costs 2 million, and the car is half a million (conditional). It seems that the purchase of the car will not greatly realize the acquisition of his housing. But this is not true, you have already understood everything on the example of numbers!
In addition, but the contribution to the bank of Kashi does not ask, on the contrary, brings interest income. So, if you want to treat your life planning to plan for several years from the idea of \u200b\u200bbuying a car, until you set up in your own companion apartment. Believe me, guys, your car status in the eyes of the girls will not raise, if you are going to take a girl to the parent dial, where you live with my mother, sister and grandmother.
So my goal was achieved. I am glad if my example convinced you that in the regions, accumulate on your apartment with a salary of 30000 rubles quite real. The main thing is your desire, patience and dedication.
Can't you accumulate to the apartment? Do not want to live in a communal, as the author? Or maybe you do not need? Mortgage rates in 2018 fell to 6% (minimum), the average real rate is 9%. Mortgage no longer bites! . Living in the apartment of your dreams is better than in the communal - especially when the payment does not bite.
Such an option to acquire housing is suitable for students who moved toanother provincial city (the Moscow real estate prices are much higher, but), as well as those who have an initial source of income, which allows you to postpone at least 40% of the total amount.
I want to say that the described technique is suitable and in order to accumulate on the car, household appliances, rest and other major purchases.
It will not be easy. You will have to learn to control your expenses, be demanding on yourself and disciplined, not be afraid of difficulties and be prepared for them. As a reward, you will receive not only an apartment, potentially saved funds, but also a sense of deep self-esteem.
