Financial literacy lessons: how to save for your own home? Use government programs.

Instructions

It is worth starting the accumulation process with distribution family expenses... Calculate what you spend each month on groceries and essential clothing, on child education and weekend entertainment, and don't forget about mandatory payments and other existing expenses.

Summarize your calculations. Now subtract the result from the amount that was at the beginning of the month.

If not impressive at all, consider cutting your costs. For example, buy groceries in bulk, plan your off-season vacation, etc.

Try to spend less on jewelry and fashionable clothes. Of course, you need to dress, but instead of five pairs of shoes, buy one for the exit and one for every day.

You should not postpone the entire balance resulting from the calculations at once. Very often there are unforeseen situations. And if you constantly “pull out” of the accumulation envelope for certain needs, the housing issue may not be resolved for many years. So put it off cash in a size that is reasonable for you.

You can put the accumulated amount in the bank. Better if it will currency deposit... If you are confident in your opportunities in the market, try to invest your savings in some very profitable asset.

If you have enough money to buy an apartment, even the most minimum sizes, buy and rent it. Thus, it will become even easier to save up for an apartment, additional funds will appear for investment.

Continue to accumulate monthly in the same way and at the same time receive additional funds from those who rent your apartment.

When the missing amount has been safely accumulated, sell the apartment you bought earlier, add and buy the one that suits you.

Sources:

How to save money to buy a home in 2019

Not all people are happy with bank loans. I just don't want to have debts. And some do not meet the high requirements of banks for obtaining long-term loans. In either case, you have to think about independent savings for an apartment. Whether this is possible depends on proper planning. It is the plan that can give hope for success. It transforms soap bubble dreams into a well-cobbled ladder of success.

Instructions

Create a strategic stock. You may not be able to get out with your current level. You are a breakthrough, you need to raise yourself to another level where you can have income that matches your plan. This leap will take time, during which you need to be sure that you can pay the bills and stay in debt. savings and from real things. Make a list of household "consumables". For example, this washing powder, soap, other items without which life is impossible. Make sure that you have a stock of all the things from the list for some time to come. This will allow you to calmly go for global life changes.

Find people who earn enough to fulfill your goal. Think about what they do. If the business appeals to you, set a goal to learn it and make money on apartment.

Become a student. With a strategic headroom, you can afford it. You will not be intimidated if at first there is no income. Since there is nowhere to retreat, you will do your best to achieve success.

Raise your own level. Soak up everything you can from mentors.

Follow the plan for buying an apartment. As you increase your income, don't forget about your initial goal. Continue to live humbly until your dream comes true.

Tighten the belt tighter

Make it a rule to save a certain amount from each salary. At a minimum, it should be 10% of your earnings. Also review all your expenses. Think about what you can save on, what to refuse. For example, quit smoking, stop buying clothes that you can do without, and give up expensive foods. Stop using public transport if you can walk to work. Calculate how much money you spend on services mobile communications, the Internet, utilities... Find ways to cut those costs too. If you are used to going to a cafe or cooking during lunchtime, get rid of this habit and take food with you from home. All savings should be sent to the piggy bank. And so that there is no temptation to spend them, the money should be deposited. It is best to choose one where you can replenish your account at any time. Thus, you will not only save the savings, but also receive additional interest.

Additional income

Find additional income. Write abstracts and term papers, become a copywriter. Do handicrafts, for example, knit warm clothes, make jewelry or souvenirs, recently, handmade is very much appreciated. Walk your dogs for a fee. Plant ornamental flowers and sell the scions. Are you good at repairing household appliances and office equipment? Advertise that you provide such services. Do not refuse if in your main job you are asked to work overtime. In general, do not miss any opportunity to earn extra money. And save all funds from additional earnings on a bank deposit.

Perhaps it will take more than one year to make your dream come true - to raise money and buy your own apartment. However, if you have patience, gather all your will in a fist and do not give up halfway, you will soon celebrate a housewarming on your honestly earned square meters.

In the article, I shared proven ideas and ways by which you can really quickly and honestly earn an apartment even in Moscow and St. Petersburg, numbers and calculations are attached

Hello dear friends!

With you business magazine "HiterBober.ru" and Alexander Berezhnov.

Today we will talk about a topic that is relevant for many of our compatriots. It will be about buying a home, or rather about how to make money on it yourself.

After all, not everyone has rich relatives and inheritance in the form of real estate.

The information provided here will be especially relevant for young families and people with an average salary who cannot quickly save up for an apartment and buy it from scratch.

And now everything is in order!

1. What you need to know to earn money for an apartment in 1 year

The very first thing you must decide on is the questions about the parameters of the future apartment, namely:

what apartment do you want to buy (footage, location, floor);
where - in which area of the city or outside the city;
at what price and on what conditions (payment by installments, mortgage, maternity capital);
do you have sufficient funds or part of such funds to buy a home.

Without answering these questions clearly, the chances of acquiring living space will tend to zero, especially if you do not have the money for such a purchase.

Remember the famous expression:

For a ship that does not know its direction, no wind will be fair.

Then, relying on the available resources, you will need to draw up a plan that will show exactly how much money is needed to earn an apartment for a certain period, for example, a year.

Suppose the apartment you are interested in is 3 000 000 rubles, and you have an amount of 1200 000 rubles.

In this case, if you want to buy an apartment for a year, you will need more 1 800 000 rubles, that is, you will have to earn per month:

1 800 000 / 12 months = 150 000 rubles per month.

You will need to build on this figure.

2. How to make money on an apartment in Moscow and St. Petersburg

In Moscow and St. Petersburg, apartment prices are much higher than in other cities of Russia.

Now the cost of a one-room apartment in the capital ranges from 5 000 000 before 25 000 000 rubles and more, depending on the type of house, the distance of the apartment from the city center, its condition and footage.

It is clear that it is unrealistic for an ordinary citizen of our country to earn an apartment in Moscow and St. Petersburg if he is not a businessman and lives on an average salary (from 15,000 to 40,000 rubles a month).

The same calculation principle applies here - you need to determine which monthly income you must have to afford to buy this property.

When people begin to calculate the cost of housing even in their own city, not to mention Moscow and St. Petersburg, it turns out that they will have to save up for an apartment from 5 before 100 years with their current income. At the same time, it is known that the price of real estate is growing in the long term.

And this is also taking into account that a person will save all salaries for future real estate, without buying food, clothes and other expenses.

If you are reading this article, you probably think so too.

But, not everything is so hopeless.

As Carlson said in the cartoon of the same name:

Calm, only calm!

You have two ways to solve this difficult financial problem:

Buy an apartment for your own money, multiplying your income
Take out a loan for an apartment and repay it without harming your budget (income)

If the first option for buying an apartment is at least understandable, except for the question, how can this same income be increased, then the second option for most people is shrouded in darkness and mystery.

Indeed, you can make money on an apartment in Moscow for a year with income from 500 000 rubles a month, no less! With St. Petersburg, the situation is about the same, only the amount will not be so impressive.

To buy an apartment in St. Petersburg, you need to earn 250 000 - 300 000 rubles per month if you want to buy an apartment without a mortgage (loan) for cash.

Now is the time to find out how this can be done!

3.5 proven ideas for making big money quickly or how to buy an apartment if you have a small salary

The following are effective ways that allow a person to buy an apartment himself in a short period or with minimal investment.

Here we will consider the option of buying an apartment on a mortgage, but you will not pay it, more precisely mortgage will pay not from your money, earned by sweat and blood.

Have you heard the expression:

Life-long slavery has now been replaced by a life-long mortgage!

I am also not a supporter of such slavery, so let's try to get around it.

This is the preamble, and now we turn to the ideas with which an ordinary person can earn an apartment in a year or two.

Idea 1. Create passive income on the Internet and take out a loan against it to buy an apartment

Now enterprising guys (mostly young) have understood how not to save up a few million rubles, but immediately get them and buy the long-awaited real estate.

I write about what passive income is and how to create it in.

Even a student and a pensioner can create such income on the Internet, just need to purchase necessary knowledge and skills (or find people who can create such a site for you).

For example, the business magazine "HiterBober.ru", where you are now reading this article, is just such a profitable site.

How this scheme works.

Step 1 . We create a website

You create a website that you promote in search engines and advertise on it. In a year or two (if you work hard on such a site) it will bring you income comparable to the average Moscow salary, and maybe even more.

The most interesting thing is that the profit from the site will come to you automatically and, using it, you will simply extinguish your monthly payment on a mortgage.

Step 2. We take a mortgage for an apartment

Everything is like people. No "black" schemes.

You just go to the bank and apply for a mortgage.

Confirm income, and if they are insufficient, attract co-borrowers (your relatives).

Congratulations, now you are the proud owner of an apartment!

Just one thing - you have to pay a loan for it for several years.

Step 3. We repay the loan with passive income from the created site

This is where your passive income site comes in. It is with this money that you repay your monthly loan (mortgage) for an apartment.

In this case, you do not give away most of the salary, but use it for your own needs. At the same time, your profitable site is the guarantor of your payment for the mortgage loan.

And how to create a profitable site and make money on it, I already wrote in the article "".

By the way, the payment scheme for a loan for an apartment and not only can be carried out at the expense of passive income created in any other way.

Passive income can be earned, for example, in network marketing.

Just don't confuse good networking companies with financial pyramids... How to distinguish them, read in.

Idea 2. Take a mortgage for an apartment and let tenants into it

Another way to earn money for an apartment is to pay off the loan for it at the expense of other people's money.

This method is the simplest and most obvious, but it takes several years for this property to become your property.

Its essence is as follows.

You take out a loan (mortgage) and buy an apartment. Next, you let tenants into it and pay off the mortgage at the expense of rent which they bring you monthly.

It should be said that sometimes the apartment can be idle if you do not find tenants.

There is also a risk of damage to your property by tenants.

Nevertheless, if you approach this method of buying an apartment with full responsibility and calculate the effectiveness of renting out your mortgage housing, then in 10-15 years you will have your own residential property.

Yes, not very soon, but without large monthly costs and endless "savings" and "postponements" from the salary.

Idea 3. Borrow money on the security of your apartment

If you do not have free money to buy an apartment, you can use a loan and buy an apartment on the security of the one in which you are currently living.

Most banks can give you such a loan, unless the real estate you have has no restrictions for this (the apartment has an encumbrance, it is mortgaged or is under arrest).

This method is suitable for those who do not have enough current income (salary) for the bank to approve a mortgage.

Idea 4. Open your own high-income business

Opening your own business is not as difficult as it seems to many at first glance.

This will open up many opportunities for you to earn money for an apartment and more.

It is quite possible to figure out the basics of doing business in a month and make money on the coveted real estate within a year, two, three.

Yes, following this idea you take on certain risks, but after all, each of us has heard the expression "work for an uncle" and most people do just that.

Then why in our institutes they teach how to become a specialist (lawyer, accountant, engineer, designer), but nowhere do they teach to become this most mysterious "uncle" for whom these specialists work.

The truth is that if you want to make a lot of money (after all, you need at least several million to buy an apartment), willy-nilly, you will have to become an "uncle" and in the near future open your own business, which will bring many times more income than your salary.

That is, you must literally become a millionaire in order to afford to buy residential real estate.

You can find out how to make a million for an apartment and for any other purpose from scratch.

At the same time, ALL of his salary should be spent on such savings, and real estate prices usually rise from year to year, so the process of accumulating many years will be practically pointless.

You can also earn a lot of money by starting a business on the Internet, making a profit in non-standard ways, which we talked about in the article "".

This is how, by increasing your income, you can earn an apartment. Someone will be able to do this in 1 year, while others will need 3-5 years.

In any case, this is not a “lifelong” mortgage “slavery”, but a cold mathematical calculation with the prospect of great life changes.

Idea 5. Conclude a life support (rent) contract with a single elderly person

Another way to “make money” on an apartment is to find an elderly person in need of care and “watch” him, having received an apartment for this after his death.

This method of paid care for a disabled person will help you acquire real estate property with minimal (relative to the cost of an apartment) investment.

To do this, you must find such an elderly person and conclude an annuity agreement with him or, in another way, a life support agreement.

This agreement prescribes the conditions that you must fulfill in caring for an elderly person in return for his real estate (after the death of the ward).

Usually in this way it will be easier for a woman to get an apartment, since it will be easier for her, purely psychologically, by her nature, to take care of an elderly person than a man.

Let's consider the advantages and disadvantages for you of this method of purchasing an apartment:

Advantages of an annuity agreement:

You don't need to have millions to buy an apartment;
In the event of the imminent death of your ward, you will own an apartment with practically no financial costs;
You can live in the apartment of the person you are caring for, so you don't even need to own or rent your own home. This is especially useful for people who don't have a family.

Cons of an annuity agreement:

Your ward can live for a very long time, and your care for him will drag on for years, respectively, and you will wait for an apartment as much;
You risk losing the time and money that you have invested in caring for an elderly person if he thinks that you are caring for him in bad faith and terminates the rental agreement (legally, he has every right to do so);
You will have to spend a significant part of the time and money for the maintenance of your ward, it will become in a sense your forced work for an indefinite period, so you must be ready to endure all the inconveniences associated with such care of an elderly person.

Sadly, in our country there are criminals who conclude a rent agreement with lonely old people, and then kill them and appropriate apartments for themselves.

Such people are called "black realtors".

I am sure that you, dear friend, are a law-abiding person and you will not have thoughts in your head to use such a criminal scheme for obtaining an apartment.

Greetings! Judging from the experience of my friends, taking an apartment on a mortgage is terribly expensive and sooo unpleasant psychologically. And it is clear that it is advisable to buy your first (second, third) real estate without loans and for your "hard earned".

Last time we already discussed the issue of choosing between. Today's article is intended to help those who still chose the first option. But how to save money for an apartment with medium or low incomes? I will not slip into outright platitudes like “save, save and invest”, “increase income and cut costs”, “”. I will suggest just a couple of specific tricks and tricks that will slightly simplify and speed up this long and unpleasant process.

But first, I’ll say a couple of "parting words."

Before you start saving for an apartment, you must tune in to ... a continuous obstacle course a couple of years long. We all understand perfectly well that in 1 year, even with an average income, it will not be possible to postpone for the purchase of housing. And even more so if the income is small.

In the near future, you will have to reconsider your lifestyle: hard, earn by all means and constantly think about where to add savings so that they do not burn out.

It is extremely difficult to keep yourself in the "iron grip" for a year or two or five. And sometimes it’s almost impossible. In general, tune in for a long marathon of surprises. Agree, the prize in the form of a separate housing is worth such sacrifices.

Define specific deadlines for yourself initially

From the experience of my acquaintances, I can say that it is extremely difficult to limit yourself in everything after four to five years of austerity. So be guided by this (or better - smaller) figure.

Start with start-up capital

This is very important point! "From scratch" business will progress so slowly that many burn out, not even saving for the hallway. Therefore, either allocate an annual bonus for the start-up capital, or do a general cleaning in the house and.

And start with at least some minimum amount!

Involve others in the process

Those who live with you should participate in this by default. And relatives, friends, colleagues and acquaintances - at least provide moral support.

A friend of mine in Kazakhstan told a funny story. At the point of sale (photographic goods, copier, office) he worked alone. With the permission of the chief, he brought with him a box with a beautiful picture of a country house and the inscription: "Save up for a house!" He put it somewhere on the side and worked as usual. He says clients laughed and asked a bunch of questions, but he never went home with an empty box.

Why is environmental support so important? The fact is that for some time you will have to give up a bunch of unnecessary, but familiar and pleasant things. And it is extremely difficult to do this when everyone around is living a "normal" life.

You try not to smoke next to a colleague who is trying to quit and has already lasted two weeks?

Turn boring every penny count into a game or competition

The easiest way is given to young couples. And if you connect children (from seven years old and older) to the process, you get a long, long game for every day! The main thing is that parents have enough creativity.

Almost any situation can be played in an interesting way.

We met in the evening and bragged about who had saved how much in a day (walked three stops, didn't buy a pie, smoked half a pack of cigarettes instead of a whole one, etc.). Counted total amount- put the money in a beautiful box-piggy bank. Or they cast lots to find out who will get the money he saved - and he can safely spend it on what he wants. Or choose the "winner of the day" and present him with a delicious "prize".

You can appoint a "minister of finance" every week. It is he who will control all expenses for seven days and scold the others for wastefulness. You can draw a house, divide it into a hundred squares and paint over one by one when the amount needed to buy a "piece" is collected.

In general, there are a lot of options! The main thing is to motivate yourself and other family members to save money every day.

Create a reserve fund in case of force majeure

Be sure to save money for unexpected expenses!

Otherwise, one fine day, half (if not all) of the money saved up for the apartment will go to pay for the treatment of a family member or urgent car repairs. Moreover, funds for force majeure should be kept separately from money for an apartment!

Oh " housing stock»Just forget ... This amount should not be taken into account at all in your plans for the next few years.

Be sure to allocate money for recreation and entertainment.

Until the moment you buy an apartment, you can hardly be in Italy or Austria. But you should not completely give up going to a cafe, cinema, bowling or theater.

From time to time it is necessary to rest from the "saving mode"! An acquaintance couple used a trick called "the day off." Once every two weeks, they chose a day for which they allocated a fixed amount of money (more than they usually spent).

They left home and ... had an active rest. They said that during these weekends, the internal "calculator" was turned off - after all, money could finally be spent the way you wanted. Within the allocated amount, of course.

Be sure to invest your savings!

Just putting money in the safe, you will move towards the goal in snail steps. Let's say average salary in Kiev is now about $ 300, and one-room apartment on the secondary housing you can buy for $ 30,000. That is, a person needs to neither drink nor eat for 100 months (or more than eight years) to save up for an apartment.

And if he invests a little money in investment instruments, this period can be reduced by two or three times! Another tip: when "in the piggy bank" will be typed decent amount, a small part of it (10%) can be carefully “scrolled” in profitable instruments with high risks.

By the way, I took Kiev as an example, because in Moscow the figures will be absolutely fantastic.

How do you save (or did you once save) for an apartment? Subscribe to updates and do not forget to share links to the most interesting posts with friends!

A separate apartment is the dream of many young families.

I would like to live independently, without neighbors and parental care.

But, unfortunately, Moscow is an expensive city.

And the cost of apartments is sometimes frightening with the number of zeros.

How can the average Russian resident save up for an apartment?

Dear Readers! Our articles tell about typical solutions legal issues but each case is unique.

If you want to know how to solve exactly your problem - contact the online consultant form on the right. It's fast and free!

Well, the question is difficult, but solvable. If you set a goal, find the means and not stray from the chosen path, you can save up for your own apartment in just 3 years. The main thing is not just to dream, but to develop a plan for the conquest of Moscow apartments. And everything will work out.

Moscow real estate has been and remains one of the most expensive in the world. Housing prices continue to grow steadily, and salaries do not even think to catch up with them.

The average Muscovite can save up for an apartment if for 11 years he spends his entire salary on it, without spending a dime out of it. At what he will buy, perhaps, not quite what he will need at that time. It is about the cheapest housing option.

According to our data, the most expensive housing in Moscow is being sold for 2 billion rubles. The most low price ask for a twenty-meter odnushka in a brick house - 4 million We are talking about secondary housing. In a new building, an apartment will cost the same price, but you still have to invest a lot of money in it: repairs, furniture, etc.

The real price for an apartment is not in disrepair and good area Moscow will cost about 6 million, in St. Petersburg - one and a half million, in the regions - from 900 thousand to 2 million.

What is the average salary in Russia and the level of housing prices

Can a family and how to save up for an apartment without a mortgage? In principle, it is possible, if every effort is made to this. (see) Experts have calculated that if a family of two adults with a combined income of 120 thousand rubles a month saves half of their income for buying a home, then it will save up for an apartment in 6 years at best! And this did not take into account inflation, as well as serious financial losses.

How to quickly save money for an apartment: getting to know the real estate market

Price varies greatly by area. Everything is taken into account here: infrastructure, proximity to the metro, prestige and so on. Apartments in New Moscow are much cheaper. The same can be said about real estate in an area where there is no metro nearby.

Primary or Secondary? It's a matter of priorities.

Pros of primary housing.

At the pit stage - cheaper; by the end of construction, you will have to pay more for Finishing work but you will get the desired result.
New communications. In general, everything is new, not defiled by anyone's presence (if this is important to you).
Neighbors who are drug addicts or alcoholics are unlikely to come across.

Now let's see the secondary.

More assortment: we take not what is left, but what we want. Or it looks like.
Less risk. The risk is associated with fraud. Here, a good lawyer will help to minimize it. But whether the developer will go bankrupt and whether he is going to run away with money - no one can foresee this!
Newly built apartments are usually rented "in concrete". Its "bringing to mind" will cost a round sum.
It is impossible to register in a new building right away, but in secondary housing it is possible.

If you have decided on this issue, think about which layout suits you, look for a suitable option and find out the cost.

How to properly keep track of expenses and income?

Is it possible to save money for an apartment and what to save on?

Do not borrow, especially from a bank.
Recording expenses (oddly enough, it helps).
Buy only what you really need, don't throw away your groceries.
Install meters and try to reduce their readings: do not pour water in vain, turn off lights and electrical appliances, replace ordinary lamps with energy-saving ones.
Refuse unnecessary spending: cafes, movies, cigarettes, alcohol, etc.

Only if you are motivated to buy something desired, for example, an apartment, can you change your habits! Often remember the good goal to which you are going and everything will work out!

You may be able to save money by moving to a smaller rented apartment or to a worse neighborhood. Or maybe even to relatives?

How to get additional income for buying an apartment?

Naturally, saving is not enough. We need to increase income even more. How to get additional income and earn an apartment?

First, let's see what you can do within your profession: climb the career ladder, find a part-time job (private services).

Learn new skills: foreign language, computer and so on. Remember your hobbies: will you be able to benefit from them: photography, drawing and much more can become a source additional income.

You can look for another part-time job: writing articles, helping in writing term papers, preparing meals in the office, walking the dogs or taking animals for overexposure, and any small one-time part-time job: sitting with a child, for example.

Remember! A rolling stone gathers no moss. We need to do something, look for some opportunities. Money does not just fall on your head - in any case, you, if you are reading this article.

How to multiply money without risk?

It is hardly possible without risk, but it is possible to reduce them to a minimum. To do this, consider ways to increase the amount already accumulated. What options are suitable here?

Put on a deposit. This is, perhaps, the safest option, which can give income up to 15% per annum.
Invest money in mutual funds (investment fund). Income can be up to 30-60%.
Investing in Forex trading. If you're lucky, the income will be good. This is the risky method that can provide the highest annual interest rates.

Don't put all your eggs in one basket - don't put all your money in one place! Place them in different banks, or in different mutual funds. Better both there and there.

You can try to make money by renting out your apartment (if you have one, it just doesn't suit you) or to a taxi company - your car.

Calculation: how to save up for an apartment with a salary of 50,000 rubles in 3 years

Let's give an example, how to save up for an apartment in Moscow. Suppose a family of two with total income 100 thousand rubles rents an apartment for 30 thousand rubles and wants to buy an apartment for 6 million. Let's add on inflation - 7.5 million.

To begin with, these people have reduced costs and are saving not half (50 thousand), but more - 60 thousand. Then they moved to their parents - another 30 thousand. The total is 1.08 million rubles per year.

This money was partially deposited in the bank: 500 thousand will give 560 thousand by the end of the second year. Partially in mutual funds - the income will be, say, 70 thousand.

Suppose now both spouses have mastered making money on the Internet, which gives them a total of 30 thousand per month, and 360 thousand per year.

Total income for the second year will amount to 2,321,000 rubles, that is, almost a third of an apartment or apartment in the regions.

In the third year, this money can also be invested: say, a million on a deposit - you will receive an income of 100 thousand; in mutual funds 800 thousand - for example, income is 120 thousand (15%); on Forex 500 thousand were given, let's say another 15% - 75 thousand.

Let's say the family income (promotion of one and additional earnings of another) increased by another 10 thousand per month - by 120 thousand per year. As a result, the amount of income for the third year alone will amount to more than a third of the cost of the apartment.

Thus, you can see that it is difficult to save up for an apartment, but it is possible if you get down to business wisely and devote all your strength to this goal.

If you still have questions on the topic " How to save up for an apartment in 3 years in Russia?», Ask them in the comments.

Not everyone is ready to live with their parents until old age, theirs or theirs. Young people, becoming financially independent, dream of acquiring housing freedom. Leaving the father's house, renting a room or apartment, everyone, without exception, dreams of their own corner, in which you can truly be the master. Which is not so easy given the current realities. The task is not an easy one: if the salary is thirty thousand rubles. In this article, we will provide answers to the most pressing questions of modern Russia:

quickly save up for an apartment: utopia or everyone can do it?
mortgage or rent?

Maybe a mortgage?

There was a time when mortgages seemed like the only option. Thousands of people took it at unimaginable interest and considered it good.

Now the perception has changed, the Russians have become more critical, the crisis has dragged on, and now the decision to shift the mortgage yoke is being taken carefully. Still, many people believe that mortgages are profitable. Let's analyze the situation: a beginner specialist takes a mortgage, for which he should be ready.

An initial fee. The percentage set by the bank may depend on it. The lower the deposit amount, the higher the risks for the bank, therefore, as a rule, the bank increases credit rate in such cases. Important! The minimum down payment is 15%.
Mandatory monthly payments. On the one hand, it is tolerable, you also have to pay for a rented apartment. True, if finances are shaken: a person was fired or he fell ill, then it is unlikely that it will be possible to agree with the bank, the investment in real estate will be lost. The constant stress in which borrowers are located affects their health and psychological state. Indeed, it is difficult for ten to twenty years to live under the pressure of a mortgage.
Bank overpayment. The longer the mortgage term, the greater the overpayment. Borrowers often realize that they are being "robbed" when they are head over heels in a mortgage and nothing can be done.

Economical way

This accumulation method is suitable for people who are ready to cut their own needs for a long time.

With a salary of 30 thousand rubles, in order to start saving, you will have to rent a room or bed in an apartment. And of course, it is necessary to significantly revise the costs:

It would not hurt to have a notebook and conduct. An expense item will help identify unnecessary expenses.
Good for both health and wallet give up alcohol, sweets and cigarettes... Surprisingly, bad habits are a serious expense. And getting rid of them will increase the budget by at least 48,000 rubles a year.
Electricity and water meters, travel card, discounts in stores will help you save on little things.
No entertainment. Films only at home, from cafes, clubs, frequent wardrobe changes will have to be abandoned.
Supermarkets and shopping centers- the concentration of senseless temptations. Everything here is thought out and made so that buyers take unnecessary and more. To save money, it is worth going either to the market or to the nearest wholesale depot. In hand is a shopping list. This will save at least 12 thousand per year.
Money that is saved with such difficulty should not be lost in your socks: open a bank deposit correctly, in a trusted bank, at interest.

Let's be realistic: it will take a long time to save in this way. Minimum 10 years, but the mortgage is not paid for 2 years.

The positive side here is different: no credit pressure. Lack of reference to the place of residence: you can change jobs and at the same time find an apartment closer, or even move to another city or country. Freedom from a mortgage means less fear, and therefore more opportunities.

Method progressive

This method is similar to the economical one, the only difference is in the intermediate stages. The main thing here is to be cold-blooded and dexterous. Having accumulated a small amount, buy a dorm room or living room on the outskirts or in the suburbs where prices are not so high.

You can live in the room yourself or rent it out, in any case, in addition to the acquired real estate, there will be absolutely useful funds. Then this room can be exchanged, with a surcharge, for an apartment with poor infrastructure and further until you reach the desired option.

This method will help those who are ready to constantly look out for ads, looking for profitable terms, drive to the killed and "burning" apartments. This method is both more involved and more risky, but also much faster under the best circumstances.

Cooperative

At one time, this method of home buying was popular and effective. People bought apartments "in a pool". It turned out much faster than one by one. The principle of cooperatives is simple: a group has an administrator who collects monthly sums from "equity holders", for example, a hundred of them, and from time to time one of the participants, usually who invests more, gets an apartment.

Because of a large number fraudsters in this type of organization, few people risk investing in cooperatives now.

How to save up quickly?

You can save up quickly only by risking:

Investing in Forex. Yes, it is risky, but the result can also please. Cons: You can't accurately calculate your monthly income. Money can be lost.
in a mutual investment fund. The main thing here is to choose a stable and reliable fund. Sometimes the percentages go up to 50.
, internet project. You can create your own business project or invest in some startup. Again, this is suitable for people with entrepreneurial talent and at least minimal business experience. The risk of burnout is great, but the dividends, if everything goes well, are not bad either.

All the same you can't do without looking for additional income, if the apartment is needed as quickly as possible.

It is not necessary to look for something alien to your character and nature. If you are a teacher, there is no point in going into a sales manager, but it is worth trying your hand at tutoring. If you have a hobby that you are doing well, then it can be monetized. Knitting funny hats and warm socks made of natural wool, baking homemade pies with cabbage, writing articles, essays - with the development of the Internet, it has become much easier to sell your unique skills.

Social programs

Workers budgetary spheres often complain about low earnings, disproportionate to the effort spent. It seems that it is impossible to save up for an apartment while working as a nurse or teacher. Exists many government programs helping state employees to buy housing. There are also subsidy programs for young families and more. It is difficult to get an apartment in this way, it is a small chance. But who interferes with acting in several directions at once.

Instead of an apartment - a house

Obsession with an apartment in panel house surprises. Save 10 or more years for a two-room apartment, while dreaming about big family, a yard with apple trees and a big dog - not productive. It will be cheaper to buy land and build a house gradually. And even little house, anyway more than an apartment. A house is being built in several stages, which means it is easier to save up for it.

purchase of land. Land in Russia is inexpensive, and in some regions it is generally distributed free of charge - in the first year.
House frame - on second or third year.
Electricity wiring, plumbing work - fourth year.
Interior decoration - fifth year.

The investment depends on the size and price of the land and the choice of building materials.

Before you buy a piggy bank and start adding honestly earned money there, you need to make an estimate.

First. It is advisable to decide in advance what kind of housing you are counting on: primary, secondary. It is easier and faster to accumulate for primary, the most profitable is to invest in laying the foundation. The risks are really significant.

Second. District. The farther from the center, the metro, the cheaper.

Third. Infrastructure. The area is underdeveloped = low cost of apartments. In this case, it is necessary to look at the perspective of what is planned in the coming years. Now there is no kindergarten, school, sports grounds nearby? It is worth finding out the nearest development plans with the district administration or the developer.

Fourth. Explore all possible options that exist in the real estate market. Write out the prices. Look at old ads, try to track how much the price of an apartment is changing.

Fifth Buying an apartment is the main one, but not all the costs that lie ahead, there are also:

Notarial services.
National tax.
Real estate agency services.

Sixth and pleasant. Repair, purchase of furniture and household appliances. Furnishing your own apartment is a joyful waste. But it is better to lay them in the estimate in advance.