The problem of improving housing conditions is relevant for many Russian families. However, the incomes of most citizens do not allow, unfortunately, even plan the purchase of housing for the near future. So the question is how to accumulate on the apartment, today it is relevant as well as to make money on the apartment.
The state of the real estate market in Russia cannot but affect the protracted economic crisis, due to the fall in energy prices and the political factor.
According to the forecasts of some specialists, in 2017 it is expected to reduce the pace of housing construction. This in turn will reduce the offer on the market and will lead to price increases. On the other hand, the pricing policy of construction companies cannot ignore the increase in costs due to changes in the ruble exchange rate and import equipment.
Nevertheless, the developer still focuses on the consumer, so the cost of housing of many companies is maintained within the years 2015 - 2016, but the savings are carried out due to a slight decrease in the quality of building materials and infrastructure.
Due to the crisis, prices are even declining. At the same time, many experts predict a serious drop in the cost of a square meter, which is 6 - 7% and caused:
Thus, the forecasts for the near future practically contradict each other.
To date, the next average cost of a square meter of apartments in different regions of the country is valid. The brackets indicate changes in the percentage ratio compared to last year.
Today, the average value of the square meter of Moscow housing is the amount of 215,000, and in the northern capital - 105,000 rubles.
In the first months of 2017, prices in Moscow were practically not changed, and in St. Petersburg they rose at 4.5%. At the same time, many developers complain about reducing demand. In this regard, they offer various preferential programs:
Prices, therefore, differ several times depending on the region. In the same way, their dynamics change in the same way. Somewhere the cost of housing falls, and somewhere, on the contrary, increases.
The average salary in the country is calculated annually. However, the resulting results of official statistics and non-state bodies may differ from each other.
To date, the average salary of Russians is at the level of 35,000 r. Without tax deductions or about 30,000 p. real income. This is according to the state statistical agency.
The largest vacancies search services reduce this amount up to 30-31 thousand "dirty". In Moscow and St. Petersburg, the level of salaries exceeds all-Russian indicators and reaches about 500,000 and 40000 rubles, respectively.
Meanwhile, many people have revenues within 15-20 thousand, because the given data of official statistics in the country are an average arithmetic between the income of simple workers, directors and top managers of large companies.
To understand how many years need to save on housing, you need to weigh your family budget and monthly expenses. Some statistics are not appropriate here, because all this is strictly individually.
Nevertheless, there is a regularity, according to which the middle family of three people for normal residence in Russia will need to spend about 40000 p. monthly. If you set the purpose of saving funds, it will be possible, for example, to refuse summer holidays and some entertainment. This will give the opportunity to postpone from another 5-10 thousand. These not spent money can be saved on a bank account by opening a contribution to this with the possibility of adding funds.
Once again it is necessary to emphasize that these indicators vary greatly depending on the needs of a person, his health. Many families, even possessing good income, can not accumulate for years to their accommodation, as wasteful or, for example, are forced to spend money for renting an apartment.
To reduce money collection time, you need to save. In fact, this is not as simple as it may seem at first glance. Nevertheless, there are several recommendations that allow you to collect money a little faster.
Of course, these savings are far from the only one. If you think a little and thoroughly weigh your family budget again, then other various ideas can come to mind.
In addition to savings, you can think about how to earn more. Maybe it will be possible to take a higher position or find another high-paying work, so you must talk to the boss and regularly track the dynamics of the labor market. You can get a job on the weekend, to do online copywriting, write coursework or diploma jobs to order, become a taxi driver.
And again, to come up with some kind of option for yourself, it is worth finding free time to think about this in a relaxed atmosphere.
For more efficient accumulation of money, the short-standing amount must be used, given the available risks and possible results.
For example, a bank deposit gives a small percentage, which at best will compensate for inflation. But the credit institution guarantees the safety of funds.
Mortgage is a possible option for buying housing. Nevertheless, before planning himself in a debt point, it is worth a carefully to weigh the pros and cons.
Mortgage lending is an extremely disadvantageous program if money is not available on preferential terms. In Russia, general loans are not very beneficial for the consumer, as in our country, compared with Europe and the United States, rather high inflation, and the interest rate on the loan can not be lower than this value.
For greater clarity, you can give an example. Suppose the apartment costs 3 million rubles. Mortgage loan is provided subject to a compulsory initial contribution - usually 15%, that is, 450 thousand. Consequently, the bank is reducing 2.5 million p. If the loan period is 10 years, and 13% of the banking rate is superimposed, the banking overpayment will result in about 2 million, that is, almost the entire cost of the loan. So, in our opinion, it is better to accumulate than overpay the bank.
However, a weighty plus mortgage is that with the help of a bank loan, a person immediately becomes the owner of his housing. In principle, the cost of paying a loan can be reduced by renting one of the rooms or even the whole apartment. However, a debt can not be profitable for humans, because this is a banking service, and the entire benefit of it receives a credit institution.
Let's try to figure out how many years it will be possible to accumulate on housing, if you have certain income.
All these figures are given without taking into account inflation and accruals of a bank interest, so they can be considered approximate, but quite reflecting the desired deadlines to buy their own housing.
Considering the accumulation of sufficient amount to improve housing conditions, you can take care of the search for an economical option. So, at the expense of which it is possible to slow down the price:
The purchase of secondary housing is also allowed to bargain with the owner, so after a careful inspection you can try to bring down the price, indicating the owner on certain disadvantages of the exhibited housing.
Currently, the level of housing prices is the main reason for the impossibility of solving a housing issue for most Russian citizens and families. The only way out, as many it seems, can be mortgage. Practice also proves that it is possible to buy one's own housing not only with the help of borrowed funds. Consider in more detail how to accumulate to the apartment without a mortgage and where to take money for the implementation of such a goal with bringing simple mathematical calculations.
Mortgage lending for a common resident of Russia means high interest, long-term cabling and high probability of loss of housing in case of non-payment of debt. In fact, the mortgage, like any other type of loan, has pros and cons. We will analyze more disadvantages.
Among them:
IMPORTANT! Making a mortgage for a long time, any person will experience a difficult burden on the monthly deductions from the family budget of mandatory payments. Therefore, psychological discomfort is another tangible lack of mortgage lending.
If you put a goal in the near future to purchase your own apartment or a house without a mortgage, then even low incomes of the usual Russian family will allow this to do. To understand the reality of such an approval, it is necessary to arm a conventional calculator and compare the results obtained. The main thing is to establish that in a particular case it will be more profitable - accumulation or deposit in the form of a mortgage.
We will make simple calculations for the borrower who wants to buy a 1-room apartment in the region and separately in Moscow, taking into account the average wage.
Moscow is considered a separate city when calculating the majority of economic, social and other indicators by virtue of its size, population and living standards. Consider an example of whether to accumulate on housing (one-bedroom apartment) to work Muscovite with an average salary in the city.
When calculating, we will use the official data of Rosstat. So, suppose that the potential buyer of real estate receives 80 thousand rubles per month (the average monthly salary in Moscow at the beginning of 2019) and plans to buy a 1-room apartment in a new building layout worth 4.520.000 rubles (with an average price for 1 kV . m. 113.022 rubles) with an area of \u200b\u200b40 square meters. m.
Suppose that the client will postpone its bank account for $ 31,000 each month. Per year on the score will be 372 thousand rubles. For 12-13 years, the amount of accumulations will be approximately 4.5 million rubles. When extracted with additional funds or search for alternative sources of income, the accumulation period will decrease.
This is a real example, as you can accumulate to your own apartment without appealing to the bank for the mortgage for a regular busy citizen living in Moscow. Of course, in the calculation, many factors were not taken into account, such as: inflation, rise in price / reduction of housing, crisis phenomena in the economy, the possibility of placing accumulated funds on a deposit under%, receiving other additional income, etc. But the overall message is extremely clear.
Conclusion: not overpaying millions of rubles, Moskvich with a salary in 80 thousand rubles Quite really about for 10-12 years old Can accumulate on one's own housing. Family with two working spouses to make it will be even easier.
For settlements in the regions of the Russian Federation, we will use the average monthly wages at the beginning of 2019 and the price per 1 square meter. m. Typical apartment in a new building. For example, we take data on the Volga Federal District.
So, the introductory data:
Let's send a monthly accumulation of 13 thousand rubles. During the year the amount of savings will be 156 thousand rubles. For 10 years, it will be possible to accumulate about 1.5 million rubles.
That is, during 9-10 years old A resident of the ordinary Russian region with average incomes (with the current level of wages and prices), instead of cooperation with the bank and paying huge interest in it, will be able to buy an apartment in a new building.
Consider the options for calculating the acquisition of our own living space, taking into account the fact that a person has nowhere to live and he has to rent an apartment. The introductory data will be left unchanged.
Rental prices in Moscow will depend on a variety of factors, including the area (remoteness from the cent, prestige), the type of house, apartment square, etc. A prize salary in 80 thousand rubles a person will be able to calculate only on the removal of 1-room apartment on the outskirts of the city or at all in the area.
Take the average price of renting such apartments - 20 thousand rubles (example: Apartment with an area of \u200b\u200b33 square meters. M. In Butovo). A year will have to give 240 thousand rubles. With the source data, it will be distributed about 132.000 in the year. The accumulation on the apartment under such conditions will turn out no earlier than in the years 30. In this case, the mortgage will be more expedient, even despite the overpayment.
If you put at least 22 thousand rubles per month (taking into account rental payments, the person will remain about 38,000), 234 thousand rubles will be accumulated in the year of accumulation. At the apartment at the price of 4.5 million rubles will be possible in approximately 15-17 years.
The results obtained few people will arrange - a long accumulation period when they have to limit themselves in everything. Therefore, for Moscow optimal options are long-term rental of comfortable housing or mortgage design.
In the Volga region, the average rental price is typical 1-room. Apartments (economy option) is 10-12 thousand rubles. Under our terms of mortgage lending, the lease payment will be below the credit by about 2 thousand rubles.
Taking into account such numbers, the accumulation procedure with simultaneous accommodation in removable housing becomes irrelevant. Here a person is better to continue to rent an apartment or decide on the mortgage.
When a husband and wife work in the family, their cumulative income will allow them to rent and accumulate the amount necessary for the purchase of housing.
We will carry out additionally parallel with a potential option of obtaining a mortgage for Moscow and regions of the Russian Federation.
To buy 1-room. Apartments worth 4,520 million rubles a borrower will be offered the following conditions for making a mortgage loan:
In this case, the overpowering of the mortgage will be 5 million rubles at a monthly payment of 31,000 rubles. Such a payment will be sat for a lonely resident of Moscow with a salary of 80 thousand rubles.
Reduce overpayment can be due to the possibility of early repayment of the mortgage.
Initial data:
Monthly payment size (annuity system) will be 12304 rubles. The final overpayment of the loan is 1.68 million rubles.
Payment by 12 thousand rubles is comparable monthly with rental deductions, so many residents of Russian regions prefer mortgage lending (it will be easier to scatter on the mortgage), since it will have to pay for their own housing, and not someone else's tenants.
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Reducing the term Reducing the amount monthly reduction monthly reduction of the amount
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Use our mortgage calculator to calculate the schedule of payments on the mortgage and approximate income for it, as well as the amount of mortgage. The calculator provides a function of calculating early quenching.
The calculations presented in the article do not take into account the whole range of factors that have a significant impact on the final result.
In particular, not taken into account:
To consider all these factors is impossible, as they have a property to change for each specific situation.
Bringing a family budget in order, namely the optimization of income and expenses can be the basis for the release of a substantial amount. The elimination of unnecessary and spontaneous expenses, as well as savings on purchases within reasonable limits will be the basis of the possibility of accumulation.
It is better in writing or electronic form (now there is a lot of special programs) to keep your budget, recording all income and expenses.
The statement of a global goal is what the process of accumulating funds for a new apartment should be started. In my head or, again, in writing, you need to keep exactly what kind of property will be purchased, in which area, its approximate cost.
Practice shows that the presence of the main goal is a deposit of 100% of success. Families, even with average incomes, competently approached their savings, as a rule, in 7-10 years will be able to afford to buy comfortable accommodation.
IMPORTANT! The setting goal can change over time. It is important to realize that after 5 or more years, a person's lifestyle may change, its level of welfare and desire.
The man who set itself the goal to accumulate money on the apartment on its own, should get rid of unnecessary spending. Here refers to expenses for bad habits - alcohol, cigarettes, empty pastime in clubs and other entertainment institutions.
If you consider how much money is weekly, monthly and annually is spent on such expenditure items, it will be easy to understand that these funds are logical to send to more humane and necessary things (especially if the housing issue is sharp).
It is better to go to the store with a predetermined list and avoid "go beyond" in it.
After the purpose is set, it is recommended to immediately begin to postpone money from the income received. Depending on the amount of the monthly salary and additional money, the family should determine how much minimum and maximum it can postpone.
The deductions are better to do every month, without skipping, since periodicals will lead to distance from standing tasks. The amount of savings should not be less than 10 and more than 40% of the magnitude of the human or family income.
One person can allow to save, laying 30-40% of the salary, the other - only 10%. Here everything is individually. Stretch as much as possible, refusing to itself in the most needed, it is not worth it, as this can lead to sad consequences.
Many know that the Freedom Fund is a certain amount of money, the amount of which is equal to the amount of expenses for 3-6 months. That is, this is a certain "airbag", which should be at hand at each person.
Freedom Fund comes to the emergence of any unforeseen expenses related to human health, family, housing or other household problems.
The absence of this fund in the acute need for money, usually takes the adoption of not the best decisions - the design of rapid credits under high interest, loans from individuals or relatives, etc.
To accumulate free funds, you should immediately open a separate bank account or start a plastic card. It should be designated for yourself that only the replenishment operations will be performed on the selected tool. The consumption of money must be categorically excluded.
Old ways of storage of money "under the pillow" or "in a glass jar" at home have long been irrelevant and extremely dangerous due to the likelihood of theft. You should also exclude the options for investing money in a different kind of dubious investment, cooperatives, especially if the contributor does not understand the essence of participation.
The more expensive housing, naturally, more time will need to accumulate the required amount. Therefore, it will be more logical here to buy a budget version of the housing - apartment-studio of a small square, an isolated room and a small apartment on the outskirts of the city.
The cost of such real estate objects will, as a rule, will allow you to collect the necessary money for their acquisition in a rather short time. Many people do not face the communal or hostel. After buying a room or other minimally available housing, living in it, you can continue the further process of accumulating on the apartment of a larger area above the class. Everything is done gradually.
Even in conditions of permanent employment, it is worthwhile to search for part-time or alternative income. Here, every person can find an option that is suitable for him.
Some people can do their own blog or site, open a small business (both real and Internet projects), etc. Finding an additional source of income, a potential buyer of housing will be able to significantly increase its standard of living.
Important! Bank Tinkoff began receiving employees for remote work, which allows you to get an additional and quite decent official income. Fill out the questionnaire and watch the bank's vacancies you can at this link.
Accumulated funds can also be investing. The passive income thus obtained at the expense of the correctly composed portfolio will increase the investment.
It is possible to invest in the purchase of precious metals, stocks and other securities of domestic and foreign companies, etc. When using this option, it is important to take and understand potential risks and carry out any operations with their accounting.
Another option to improve current housing conditions is the sale of existing housing and the purchase of a new one with the condition of adding the missing amount. To achieve such a goal is usually lighter compared to the absence of any real estate.
At the expense of such a transaction, you can increase the area of \u200b\u200bthe apartment, change the area in the specific city of Russia to a more prestigious, change the house, etc.
Accumulating money for the purchase of real estate in Russia is a reality. Each person, even at the average income level, has a lot of options for accumulating the desired amount to buy an apartment. Optimization of the family budget, the exclusion of unnecessary spending, simple schemes of economy, search for part-time and additional earnings will achieve the goal and postpone funds.
Please estimate the post and leave in the comments your answer to the question, about the possibility of accumulating the apartment without a mortgage.
The housing issue has always been one of the most relevant for the population. In the absence of a fairly large amount to buy an apartment, many decide to accumulate this amount. However, most people do not know how to accumulate to the apartment in such a way that the purchase is successful and not too invalid. Success depends on a plurality of factors, so it is worth approaching this issue a versatile and rather responsible.
It is worth noting the two most important conditions that are mandatory for successful accumulation of money:
1) the presence of a stable, monthly earnings sufficient for living;
2) the ability to postpone the money without refusing to itself in the main life needs.
One of the options, how to accumulate money for an apartment, you can call the usual laying from the resulting monthly salary. But this option is only suitable for a sufficiently impressive salary, otherwise money will not be enough for a normal stay, not to mention the mortgage.
Financial advisors to such a question are usually interested, whether a person has real estate or property in which there is no need and from the sale of which you can accumulate money. If there is no money for a full purchase, then it can be used as an initial contribution for the mortgage. If you put things up or real estate for sale at least 10% lower than their market value, then in the end you can help out a completely good amount of money, which will be useful as the main contribution to the purchase of an apartment.
If there is nothing to sell, another option is not to keep all your savings at home, but to postpone them at the expense in the bank in percent. If one month is investing 15-20 thousand, then for 5-6 years, the amount, taking into account interest, should be enough to buy housing. However, it is necessary to remember: taking into account possible crises and rates changes, the estimated cost of housing at the time of accumulation may change. Therefore, it is better to make a mortgage or credit, passing the money.
According to the guaranteed profit, all financial instruments for accumulation can be divided into 4 groups.
First group - Cumulative insurance contract, which is the insurance company. He does not define incomes, but will serve as a guaranteed salvation from inflation or crisis.
Second group - These are bank deposits, rightly can be called them the most common way. The yield is usually from 12% per annum.
Third group - stock market, this tool is quite risky, but can provide up to 30% per annum.
Finally last group - These are highly profitable investments that allow to receive up to 500% per annum during a successful outcome. Investments are risky enough, so this way is better not to use, without having special knowledge and experience in this area.
Deciding with the most appropriate financial instrument, you need to think about how to properly postpone money so that it does not go to the detriment of normal life.
Interested in how to accumulate money to the apartment, it is worth taking into account a few simple tips. First of all, you need to keep records of your own income and expenses - this will help to understand which side of life is becoming the most expensive, revise the costs to extract more free money. It is also very important to analyze your expenses. To do this, they can be divided into 4 main groups:
Urgent and important (purchase of products, payment of loans);
- important, but not urgent (accumulation, investment);
- urgent but not important (small repair);
- Not urgent and not important (entertainment, vacation).
Ideally, the bulk of money should be spent on the things of the first necessity, but on entertainment or holidays for the sake of acquisition of the apartment it is quite possible to save a little. The accumulation of such big money will surely require changes in financial habits, so refusing some excesses, you can noticeably speed up the collection of financial savings necessary for the acquisition of housing.
It will be useful to keep reporting on savings, fixing when and how much money was invested. It will help to see the most profitable sources to accumulate them to develop them and get even more arrived at the desired purchase.
If you are interested in how to accumulate quickly, many psychologists talk about the effectiveness of the method of postponing big money for the month. The forced and rapid accumulation result is very practical, since it is easier for a person to transfer a couple of years of active savings than to stretch its own restriction in spending on decades. And becoming the winner of the long-awaited apartment, you can begin to begin to translate your spending on its arrangement, which will be quite pleasant from the psychological side.
The second, no less important psychological aspect - before the eyes there should be real numbers. Before starting to save money, it is worth carefully learning the situation on the market, find out the cost of the desired apartment depending on its size, remoteness from the city center and other factors. By the necessary amount, it will be easier to accumulate it, which has been proven by numerous studies.
All the outlined amounts and figures periodically need to be reviewed - changes in prices for apartments, unforeseen costs that will require a little to reduce the number of postponed money are possible. You can count how much time will be required to achieve the desired money supply at the current accumulation rate, and, if necessary, adjust the size of the deposited amounts to speed up the process.
Accumulate on your own housing is quite real, if approaching this moment responsibly and carefully. The main thing here is the power of the will to have the ability not to spend money into small weaknesses, but to confidently go to the target target. It is only necessary to monitor the situation in the market and adjust its savings with life circumstances, then the cherished real estate will soon become a reality.
Hello, dear readers of the site vsvoemdome!
Acquisition of an apartment with a mortgage loan in Russian realities is a large-scale event. Even if the possibilities of your salary allow you to make mortgage payments without problems, there is still a question about how to accumulate to the initial contribution.
Some have to spend on the accumulation of more than half of life, and many remain without their own housing. In this material I collected the most useful information on how to accumulate to the apartment in modern conditions of our country. In order not to postpone in a long box, let's start!
To understand how to accumulate to purchase an apartment and whether you need to do this at all, it is necessary to determine the housing parameters. Perhaps it looks like a waste of time and dreams, but if you go to the case rationally, to analyze the market and evaluate your capabilities, the result will bring a lot of benefit. You will quickly reach the goal if you know where to move.
If you have an intelligible realtor, it is worth paying him for consultation. It will save you the time you would spend on finding information about housing and market analysis.
Remember, if you enjoy real estate agent services, you will still have to pay 2 - 6% of the price of housing.
So, you will need to find the following information:
Having gathered all the data, you can quickly appreciate whether you can do the apartment without a mortgage. Consider an example: you chose a one-room apartment on the outskirts of the regional center for 2,000,000 rubles. The money you have accumulated make up 500,000 rubles. You would like to become the owner of this housing after a year. That is, for 12 months it is necessary to accumulate another 1,500,000 rubles. This is possible only if you will postpone 125,000 rubles every month.
If the salary does not allow such a salary, it is not a reason to surrender. Let's discuss other ways to buy housing with a small salary and options for accumulating the necessary funds.
To answer this question, it is necessary to operate with real numbers. The studio apartment of medium size (about 40-50 m²) in the regional center costs about 2,000,000 rubles. Your salary is 30,000 rubles, but you cannot postpone her all, because you need to pay for the rental of current housing, spend money at least for food and passage.
If you have a car, its content requires additional spending. Priority - housing, so it is worth selling the car, and the resulting amount is postponed in the accumulation. Rent an apartment in the same regional center will cost 15,000 rubles, for meals for one person you can spend about 8,000 rubles. It turns out that every month to the housing purchase fund is possible to postpone only 7,000 rubles.
How much time you go to accumulate on housing, provided that the cost of renting, food and the future apartment will be unchanged, like your salary?
2 000 000/7 000 \u003d 286 months (almost 24 years).
Another thing is if there are two working person in your family, then the prospect will succeed a little more iris:
60 000 (general salary) - 15,000 (rent) - 16 000 (food for two) \u003d 29 000 rubles. (Monthly accumulation).
2 000 000/29 000 \u003d 69 months (almost 6 years).
In essence, you have a step-by-step instruction in order to accumulate to the apartment without loans. But here there are new difficulties: can you guarantee that in 6 years none of the two members of the family will change his mind; whether both refuse all this time from entertainment; how to manage without additional spending; Is it enough for the residence of two adults of a one-bedroom apartment.
Also, when calculating, we proceeded from the fact that for all the time the funds allocated to the accumulation of funds, the country will be in the state of the frozen economy: prices and salaries will not grow. How to make money on an apartment with an ordinary person, we deal with in detail in another material. But if this is not an option for you, perhaps it is still worth considering alternative ways to acquire housing and increasing income.
Despite inflation, citizens of Russia can use several possibilities to create an additional income or increase already existing.
The easiest and most popular method of increasing capital. You can even create a deposit now, without visiting the bank branch. Depending on the conditions proposed, the currency, the amounts and terms of deposit, the Bank's client can get 0.1 - 10% income per year.
You can choose a cumulative (replenished) deposit, the amount of which can be increased from time to time, or non-accompanied, money from which it is impossible to be removed early, but with an increased percentage of accruals. The contributions in the national currency banks offer a higher percentage, but the contribution in foreign currency will be protected from the course jump.
The principle of action is similar to a bank deposit. The yield of such a contribution is 8 - 10% per year.
Such deposits are considered to increase accumulations in the most advantageous way. They are characterized by reliability, stability and increased yield (30 - 60% per annum).
If you already own some real estate and you want to just increase the area, you can go on time with your parents or rent a cheap apartment, and your own accommodation is profitable.
Car owners can try to extract additional benefits from their own cars by renting it to work in the taxi service. On average, it can bring about 10,000 - 15,000 rubles. This option is suitable only to those who infrequently use the car and will be ready to put up with the presence of "strangers" driving.
If you have facilities, the amount of which is 500,000 rubles and more, then it is advisable to use in several ways at the same time.
For example:
According to the year you will receive 72,500 rubles of income, while the risks of the loss of attached to minimum will be reduced.
Young families and families with children can count on government assistance programs when buying housing. If you do not consider yourself to these categories of the population, you can consider options with mortgage and joint purchase of housing. Consider these opportunities in more detail.
If each of the family members has not yet reached the age of 35, such a family may apply for preferential conditions for mortgage lending. A special state program for newlyweds provides a mortgage subsidy. Its size directly depends on the number of family members.
When the family receives the status of needing to improve housing conditions, you will need to collect all the necessary documents for registration in the city administration. It sounds a promising, but it is better not to dedicate and first learn how actively this state program in your area works. Pay attention to how many families have already managed to become owners of compensation when buying housing.
At the birth of the second child, the state provides his family with the opportunity to use maternity capital as a first installment for making mortgage lending.
If you have the accommodation you want to change; If you just want another apartment, and the current income does not allow you to arrange a mortgage, then you can use housing belonging to you as a deposit when making a loan for a new apartment. But under such conditions, it is usually credited at an increased mortgage rate. Remember, housing cannot act as collateral if it is arrested or is already a deposit on other credit obligations.
If you already have one apartment, but you still want to have an interesting option for you, in which you do not have to limit yourself. You can get a mortgage to the apartment, pass it out, and mandatory payments to make funds from the delivery of housing.
It should be borne in mind that with apartments in the area of \u200b\u200buniversities or with studio apartments, this option is not particularly beneficial, since students and loners are not the most reliable category of tenants. It is also worth considering that by renting an apartment for rent, you convert it to wear during operation, and property - to damage. It is necessary to take into account this when calculating the desired rent and be sure to indicate in the contract the need for tenants to make an insurance pledge.
After 10 - 15 years you can become the owner of the second one's own apartment without the need to limit itself into something due to the repayment of mortgage obligations.
Some family couples find lonely older people who own real estate. With such a person, you can enter into a lifelong content contract, according to which a couple or a person will care for the oldest owner of the real estate, will provide it with everything necessary, and in return will receive the right to housing after the death of its owner.
Although the cost of the maintenance of an elderly person and significantly less than the cost of the apartment, but this method is associated with a high risk of attachment loss. Usually, the contracts of life rents suggest that the owner of housing can terminate the agreement at any time, no waste of the second party at the same time is reimbursed.
In some cases, such an agreement can be very difficult for execution not only physically, but also morally.
We disassemble the most realistic ways to acquire housing in modern Russia. If you have already had the experience of such a purchase, be sure to share in the comments! Did you make a mortgage? What difficulties faced?
We hope this material was useful for you. Very soon we will also discuss how to buy an apartment in a new building and what you need to issue a new housing in the property. If you do not want to skip, subscribe to updates. See you soon!
Mortgage for many ordinary people is the only way to purchase own housing. However, high rates, a large package of documents for the bank and the initial fee makes it even such a purchase is impossible.
What then remains? You can rent housing, but when salaries are 20,000 rubles, this means to part with most of the income. To date, the experts concluded that it is quite possible to accumulate to their own apartment even with a small salary.
The real estate market in Russia formed relatively recently. This is due to the fact that in the Soviet Union there was practically no private property. After his decay, there was a need to quickly adapt to new conditions.
To date, all real estate in Russia is divided into two types:
Residential also has its own types:
City real estate includes apartments in high-rise buildings. In some small towns, private houses and cottages are still relevant. However, they are very rare.
All urban real estate is divided into several types:
Country real estate is one-story buildings, cottages with two with more floors, as well as townhouses, where in the same house there are three separate housing.
Depending on the class of housing, the price for real estate is formed.
In such metropolis, as Moscow and St. Petersburg have established the highest prices for real estate.
To purchase housing in Moscow on the secondary, the inhabitant will have to pay approximately 163 thousand rubles per square meter. Such is the price of real estate business class. The cost of housing in Moscow in the new building is approximately 155 thousand rubles.
Prices for real estate in St. Petersburg are slightly lower. Secondary accommodation can be purchased for 100 thousand rubles per square meter. The cost of real estate in the new building is approximately 93 thousand rubles per square meter.
In the provincial cities, the cost of real estate is much lower than in the megalopolis. Table 1 will provide prices in some major cities of Russia.
Prices for real estate in Russia. Table 1.
|
City name |
Price per m 2, thousand rubles |
| Arkhangelsk | |
| Barnaul | |
| Vladimir | |
| Vologda | |
| Yekaterinburg | |
| Ivanovo. | |
| Kostroma | |
| Nizhny Novgorod | |
| Penza | |
| Rostov-on-Don | |
| Tula. | |
| Chita | |
| Yaroslavl |
Such housing prices suggest that the purchase of own housing is impossible for the overwhelming majority of residents of Russia.
The average salary in Russia is approximately 36,000 rubles. However, for megacities and regions, the numbers will be different. In Moscow, the average salary is approximately 66,000 rubles, and in St. Petersburg 45,000 rubles. In the regions, the numbers are much more modest. For some cities, they will be shown in Table 2.
The average salary in the cities of Russia. Table 2.
However, as practice shows, many people have wages only 15-20 thousand rubles, it is almost not real accumulated under such income.
To accumulate to the apartment without any mortgage, it is necessary to prepare for the exit from the comfortable conditions of existence. Moral mood is half of success.
Starting accumulation should not be non-posting, but from conducting expenses. Specialists advise to start a separate notebook or notebook, which are recorded by all spending - rent, transportation costs, loans, products, household chemicals, etc. It is necessary to consider even the purchase of a matchbox. At the end of the month should be summarized. It is necessary to calculate all the waste and think what can be saved.
This system allows you to determine how much money is required per month. The remaining amount can be put in the bank to go interest. They will come to the cherished goal.
Accumulate a serious amount of salary of 15,000 rubles - the task is unreal. If one-room apartment costs about 1800,000 rubles, then it will have to postpone the entire salary for 10 years. At the same time, it is impossible to allow yourself any spending at all. Do this a priori is unrealistic. So you need to look for other ways to take money to the apartment.
With a salary of 15,000 rubles a mortgage will not give any bank.This option must be forgotten. In this case, to purchase your housing, you should think about finding an additional source of income. Below will be considered ways to do. It is also necessary to pay attention to the support of the state. Now the support programs for young families are constantly being developed. Still acts maternity capital. On him, at the birth or adoption of the second and subsequent children of the mother, a certificate is issued, which can be used to improve housing conditions.
In addition, you can take money in debt in relatives. However, this will cause the need to retare all over or late to give all a borrowed amount. Therefore, when the salary is 15,000 rubles. The best option is to search for an additional source of income.
If the tiller's income is 20,000 rubles, then accumulate on its own housing is also very problematic. One-bedroom apartment worth 1800,000 rubles will be available if it is to postpone 15,000 rubles for 10 years.
It is easier to go to families where at least two adults work. They will be able to purchase a one-room apartment for 1500,000 without a mortgage after 6 years. To do this, they should form their budget in such a way as to spend only one salary. The second must be fully postponed to the apartment.
It is possible to save money on an apartment with a wage of 30000 rubles only if you try to save literally on everything. First you need to decide on the housing that will be subsequently purchased. The choice of the area should be made and learn the relevant prices for which real estate is implemented there. When it is clear how much accommodation costs, it is easier to determine the amount you need to accumulate and make a calculation.
For example, one-room apartment costs 1500,000 rubles. If you postpone 20000 per month, it will be possible to buy it in 6 years. In this case, only 10,000 rubles remains for all needs. For this limit it is impossible to go out. Only under this condition will be carried out by the acquisition of real estate.
If the apartment wants to buy quickly and there is no desire to save everything, you can find an additional source of income or contact state support programs.
Quickly accumulate to the apartment with a salary 50,000 rubles - the task is quite real. For this, as has already been said, it is necessary to determine the cost of the apartment and make the notebook of income and expenses. With reasonable savings per month, you can post 30000 rubles. In this case, after 4 years the apartment will be available for 1500,000 rubles. If you need housing for a larger value, then you need, or save longer, or find an additional source of income.
Kopit on the apartment in Moscow is the most difficult due to the high cost of housing. However, even in this case you can do without a mortgage.
The first thing to be done is to know about preferentially acquisition of real estate. If they are suitable for the average man, then he must contact the social security department, where he will tell him in detail about what documents he should be collected.
In the absence of preferential conditions, it is necessary to determine the cost of the apartment and begin to postpone the money. When a sufficient amount gathered, it is recommended to make a cumulative contribution, thanks to which you can quickly collect money for an apartment.
There are several specific cash savings advice that contribute to the accumulation of funds:
To start sailing, you need to have a good salary. If the income is small, but there are a number of conditions that hold on this place (social benefits, friendly team, etc.), you should search for new sources of income. Here are some options for this:
If the family consists of 3- people, and the total income is 70,000 rubles, then a two-room apartment for 20000,000 can be bought in 3 years.
Here is the calculator for calculating the accumulation for the desired time interval:
Total: 659500 rubles per year. For three years, with such savings you can accumulate 1978,500 rubles. This is almost the full cost of the apartment.
Often the townspeople are interested in the issue of inflation. Over the years, money is depreciated due to rising prices, so many are confident that to save irrelevant. However, this does not apply to real estate. The prices for it were originally overestimated, so the growth in the construction of housing leads to the fact that the cost is constantly decreasing. Therefore, it is much more profitable to save and wait for the fall in prices than to take a mortgage. After its payment, much more likely is that housing will cost much less than at the time of its purchase.
There are many ways to raise the level of income and accumulate to your own housing. To do this, you do not need to ask someone: "Give money in debt" or "help with the purchase of an apartment", but you just need to properly distribute your income. How to do it, it was told in this article.
