Bookkeeping stash: how to save money for an apartment correctly. Financial literacy lessons: how to save for your own home? How to save up tips for an apartment

Buying an apartment on a mortgage and then living “on debt” for a long time, giving huge sums to banks, is this the only option for a person who has no savings? Is it possible to save up for an apartment yourself, without getting into bondage and at the same time, lead a normal life? Financiers answer this question in the affirmative.

Today, if you don't have money to save up and buy an apartment, the main thing is to want. So, the goal is determined, it remains to start saving money.

Here are some proven tips to help you save up for an apartment easier and faster.

How can you quickly save money to buy an apartment?

Optimizing your budget

When the decision to save money for the purchase of housing has been made, the question arises: "Where should you start?" The right thing to do is to start optimizing your expenses and further planning your monthly expenses.

In order for savings to begin to appear, it is necessary to disassemble all expenses and understand how you can save, for this you need to carefully analyze the family budget and optimize it. For a complete and reliable result, it is recommended to keep track of expenses for 2-3 months, each check will have to be written in a notebook.

As soon as the notebook is filled out, it's time to start forming an item of mandatory costs, this is something you cannot do without: buying food, gasoline costs, rent, etc. You should also budget for unforeseen expenses that may arise: for example, various breakdowns of household appliances, the purchase of medicines.

If nothing unexpected happened in the current month, the free remaining money should be put into a piggy bank, and not spent on unnecessary purchases. It's important to always stick to a budget and not give yourself up.

Of course, long-term restrictions can ruin the mood and induce the desire to quit this venture, but it must be remembered that the ultimate goal will justify these temporary difficulties!

Another way to save more is to save 5-10% of your monthly income. This method is simpler than the first, since it does not involve a detailed consideration of costs. But it should be remembered that when optimizing the budget, more often is saved, which means that it will turn out to accumulate faster.

Healthy lifestyle: saving on bad habits

Quitting smoking and alcohol and fast food restaurants is the key to successful capital accumulation! The monthly expenses on "harmfulness" are staggering, huge amounts of money are spent every day on the purchase of cigarettes, beer, and so on.

Have a question or need legal help? Take advantage of a free consultation:

If you can't give up everything at once, you should eliminate bad habits in turn, start with the most expensive one and gradually reduce the costs of the rest.

When accumulating money for your own home, it is quite acceptable to limit yourself in the use of "harmful substances", and improving your health will be a pleasant bonus. Do not forget that giving up alcohol and hamburgers will give you a slim figure.

By the way, an excessive love for coffee also significantly hits the pocket. A glass of coffee on the way to work to "wake up and cheer up" is minus three thousand from the budget, a tangible amount that can be postponed or at least reduced.

Limiting entertainment

Going to the bar on Fridays and to the nightclub on Saturdays, family celebrations in restaurants - all these joys are expensive. They noticeably hit the pocket, because it's very rare to go to a bar or cafe on a budget, you want to reward yourself for 5 days of work in the office by ordering an extra glass of wine or an exotic dish. Entertainment will have to be limited as much as possible.

You should constantly remind yourself that all restrictions are temporary and serve the sole purpose of saving for your own home. Entertainment will be present in life, the main thing is to spend minimal amounts on them, for example, to meet with a friend not in a restaurant, but at home.

We save on food

One of the main items of any budget is the cost of buying food. It is impossible to refuse them, it means to be wise.

It is no secret that the price of goods always includes expenses for wages, rent of premises, the percentage of stolen goods, etc., therefore, when purchasing food in a supermarket in a large shopping center, you have to overpay.

Food markets are a great alternative to supermarkets in shopping malls. In the markets between the stalls, there is high competition and in the struggle for the buyer, sellers often significantly lower in price.

It is worth including in the list of visited shops - farm stalls. Low personnel and rental costs, the absence of intermediaries between the manufacturer and the consumer makes the prices for goods much lower and at the same time, the products are fresher and more natural than similar ones in large retail chains.

It is worth paying attention to promotions and discount coupons, you can search for them on the Internet and in stores.

To avoid spending too much, be sure to make a grocery list before going to the store and do not deviate from it, especially if you visit the supermarkets.

We save on rental housing

Many families and single people spend their entire lives on renting apartments and houses. If you add up the rent payments for the entire stay in the rented accommodation, you get a huge amount.

You can save on rent by changing your place of residence.

There are several options:

• moving to parents, relatives. This will help to save not only money on rent, but also expenses on food, as well as effort for cleaning;
• caring for an elderly person living on his territory;
• if you have no one to move to, you should consider housing from a cheaper category, it is possible to choose an apartment with fewer rooms or live in a communal apartment. This option will save less, but the rental costs will be significantly reduced.

Economy mode: how to resist temptations

According to a survey by VTsIOM in 2017, only 36% of Russians save money, the rest simply do not have savings. This indicates not only that it is difficult to save up today, but also that most people find it difficult to limit themselves in some "joys", such as buying a dress for a holiday or going to a bar on Fridays. Therefore, the decision on the formation of savings for the purchase of housing should be made deliberately, you need to be ready to endure some restrictions.

Calculating the equivalent in working hours will help you not to spend extra money. For example, with a salary of thirty thousand rubles a month, a five-day working week and an eight-hour day, the cost of an hour of work will be slightly more than 170 rubles.

It is very useful to translate the cost of the product into working hours before purchasing something and to think about whether the thing is worth several hours or days of labor.

Additional income as a way of saving

Free time job

In addition to optimizing the monthly budget and giving up entertainment, many have the opportunity to earn extra money. This is especially true for people with low wages, when optimization does not help and all the money is spent on urgent needs.

It is worth considering options for earning extra money in your main job, taking extra hours or keeping an extra shift on duty. If you have a command of foreign languages, you can earn money by translating texts or by tutoring. Teachers can also give private lessons.

A simple option to generate income is through a thrift store. If you go through the cabinets and mezzanines, you will surely find several things in decent condition for which you can help out money.

There are many opportunities for additional income, even if you do not have deep knowledge in any particular industry. You can work as an accompanying nanny for a neighbor's child, distribute cosmetics, or do hourly telephone surveys.

The money earned can be saved in a piggy bank. Additional earnings will help you more comfortably survive the period of saving for an apartment and will be a good help to your basic salary.

Additional income: new skills

Currently, there are a huge number of different training courses, trainings and seminars that you can attend after the main working hours. New skills and knowledge will help create an additional flow of finance to the budget.

The list of possible courses is very wide, and most importantly, there is a demand for many services and it will not be difficult to find a client with the development of the Internet. You can choose manicure courses, eyebrow shaping, or master accounting and start keeping records for small companies.

It is real to save up for an apartment, the main thing is to gather the will into a fist and follow a well-thought-out plan. It is important not to give yourself indulgences and always keep the goal in mind. Buying your apartment without a mortgage will easily cancel out the sediment of long-term restrictions and savings. All in your hands!

Attention! Due to recent changes in legislation, the information in this article may be out of date. At the same time, each situation is individual.

To resolve your issue, fill out the following form or call the phone numbers listed on the website, and our lawyers will advise you free of charge!

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 a 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 during the day (walked three stops, didn't buy a pie, smoked half a pack of cigarettes instead of a whole one, etc.). We calculated the total amount - put the money in a beautiful piggy bank box. 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!

And just forget about the "housing stock" ... 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 technique 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. For example, the average salary in Kiev is now about $ 300, and a one-room apartment in the secondary housing can be bought for $ 30,000. That is, a person needs neither to 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! One more piece of advice: when a decent amount is “in the box”, 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.

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Most people dream of their own residential property, but they don't take action. They most often only think about the fact that they never collect the cherished square meters, or wait until they get the property from someone.

Every day, apartments are bought by the same ordinary people like you and me. Surely you are asking the question: "How did they do it and where did they get the money?"

And everything is quite simple - they, in turn:

• Learned how to competently manage your budget;
• They had a clear goal and went to achieve it;
• Found additional sources of income.

If you want to change your life, but don't know, then we recommend starting by setting a goal.

Tell yourself that you will buy your own home in a year. Your goal should be clear and realistic. Earning 20-30 thousand rubles and not having any savings, you should not hope that in exactly 365 days you will become the owner of a 3-storey penthouse.

Moving from simple dreams to real action. You need to decide on the characteristics of the future apartment in order to understand how much you will have to earn and how long to save money.

To make it easier to do this, answer the following questions.

1. What characteristics should your future apartment meet? For example, the number of rooms, their location (adjacent or separate), kitchen area, etc.
2. Where exactly do you want to buy an apartment? In or outside the city.
3. What funds do you have at the moment?

By answering these questions, you can easily calculate how much during the year you will have to save in order to acquire your own property.

For example, you want to buy a studio apartment in the city center. We go to the real estate website and see how much the apartment that you would like to buy is currently worth. Let's say the cost of a one-room apartment is 2 million rubles. You have on hand a fourth of the amount, that is, 500 thousand rubles.

Having carried out a simple calculation, it turns out that another 1,500,000 rubles need to be accumulated over the course of a year.

In a month you will have to postpone:

1,500,000/12 = 125,000 rubles / month

We rearrange our thinking and learn to save

So, you decided to buy your own apartment in a year. But for this you need to do something. First you have to "tighten the belt" and. But you don't need to eat only bread and drink it with water.

Save - does not mean to live worse and limit yourself in everything. It is enough just to control your expenses, to give up money eaters, not to spend your hard earned money thoughtlessly.

1. Make shopping lists before each trip to the store. So you will save yourself from impulsive acquisitions.
2. Constantly analyze your spending and keep track of how you spend money.
3. To refuse from bad habits. If you calculate how much you spend on tobacco and alcohol, you get an impressive amount.
4. Change to public transport. Your own car is a very convenient means of transportation, but this benefit can take the lion's share of your budget.
5. Refuse to visit weekly entertainment venues. If you cannot do this, then try to visit nightclubs or cafes not once a week, but once every 2-3 weeks. At the same time, control your spending.
6. Replace going to the gym with morning runs around the stadium.
7. If possible, stay with your parents or relatives. The money that you used to spend on renting an apartment can be saved on your own property.

In order to prove to all readers that saving money is realistic to collect for an apartment, we propose to consider the following table.

By cutting down useless spending, you can collect up to ¼ of the apartment in a year. Or use these funds as initial capital.

Anyone can make the same calculations. You will be very surprised to see your numbers.

Visualizing our goal

You've probably heard that our thoughts are material. Someone believes in it, and some don’t. But, nevertheless, we would advise you to think positively and believe that in the near future you will become the owner of the apartment.

For those who do not know how to visualize their dreams, we suggest using the following method. Create a poster (collage) of wishes. One of the items must be an apartment. You need to find a picture of your dream apartment (for example, in a magazine), cut it out and stick it on your poster.

It is imperative to hang your creation in a conspicuous place. Thanks to this, you will constantly meet the picture of the apartment with your gaze and achieve your goal.

Looking for money

At this stage, you can go in several ways:

1. Get a mortgage from the bank.
2. Find a person who wants to conclude a Lifetime Maintenance Agreement with you.
3. Seek financial assistance from relatives.
4. Take out a mortgage secured by existing housing.
5. Learn to redistribute family income.
6. Find additional sources of income.
7. Change profession or.
8. Use government programs.

And now we will tell you in more detail how to make money for an apartment.

Bank mortgage

Many people are skeptical about the idea of ​​taking out a loan. They believe that this is voluntary slavery, into which people drive themselves on their own. But in some cases, this is the only acceptable way to get money.

Before applying for a mortgage, carefully study all the credit conditions and calculate how much you will overpay. It is not difficult to do this 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, but almost 4 million will have to be returned.

In addition, there is always the possibility of being unemployed or the family's financial situation may deteriorate. Taking out a mortgage for such a long term, you cannot be sure that in 5-7 years you will be solvent.

On the other hand, due to inflation, money depreciates every year and you may pay off your mortgage ahead of schedule.

The option with a mortgage can be considered when you have a part of the amount to buy an apartment, and you have additional income that will fully cover the mortgage payments.

Conclusion of a life annuity contract

Some people go to different sacrifices and inconveniences in order to have their own housing. For example, it is common for older people with special care needs to enter into an annuity agreement with young people. According to its points, young people inspect the elderly, and after the death of the latter, the apartment automatically goes to the persons who took care of them.

This option is more suitable for women, since it is easier for them to adapt to such conditions. You may need to live with an older person you will be caring for.

But be prepared to inspect, perhaps, you will have to spend more than one year. The main disadvantage of this option for obtaining an apartment is the possibility of terminating the contract and high costs.

For example, you have been caring for an old man for 5 years. But one day it seemed to him that you were not doing your job well. He terminates the rental agreement, and you are deprived of the opportunity to get his housing. At the same time, no one will return the money that you spent on the old man (bought him food, medicine, etc.).

Weigh the pros and cons before taking such a step.

Financial assistance from relatives

Most often, young families need their own housing. If a couple has saved up, for example, a third of the money, then they can turn to their parents for help.

Close people will try to find a way to help. Perhaps they will have a certain part of the amount set aside, or maybe they will sell a dacha where they haven’t appeared for a long time, or their own car, which they travel several times a year.

Mortgage secured by existing property

If you have an apartment, but you want to purchase housing with a larger area, you can get a mortgage on the security of the apartment in which you live.

After that, you let the tenants into one of the apartments. Residents will pay you monthly rent, with which you will pay off your mortgage.

But do not forget to take into account the factor that the apartment may be idle for some time while you are looking for tenants, so you need to have some financial reserve in order to pay monthly mortgage payments in case of force majeure.

Also, you are not immune from the troubles associated with negligent tenants. They can damage your property.

Use government programs

The state takes care of young families and in some cases helps financially. The money provided by law can be spent on the purchase of an apartment. You just need to set a goal and find out about all the available state. programs.

For example, Russian families at the birth or adoption of a second and subsequent children can count on the so-called maternity capital.

Redistribution of the family budget

This option is suitable for families with at least 2 people working. Its meaning is as follows. The family must live on the salary of one worker for a year, and save the second.

For clarity, we will analyze example:

The cost of the apartment is about 1.5 million rubles.

The salary of each family member is approximately 25 thousand rubles.

If you save these 25 thousand rubles every month, then in a year you will save 300 thousand rubles.

You collect for an apartment in about 3-4 years.

Find additional sources of income

If you are completely and completely satisfied with your current job, but the salary leaves much to be desired, then we advise you to acquire an additional source of income.

Your best bet is to find a source of passive income.

Passive income – this is when you perform an action once, and you receive profit over time.

For example, you put money on deposit in the bank for a year. Within 12 months, without doing anything, you can receive interest on the deposit.

There are many ways to make a passive income. ... But let's dwell on the 5 most popular options.

In order to collect for an apartment for a year, you can, and receive passive income. There are many options for making money on your own website. There is only one "But!" You should be prepared for the fact that within 6-12 months you will have to work hard, invest money, and you will start to receive profit only when the site is visited, interesting for advertisers, etc.

1. Buying an existing site

If you do not know how to create sites, then for a fee. After that, you "untwist" it and sell it at a higher price.

You can also buy an already promoted site. It will be more expensive, but in this case you will not have to wait long for the receipt of profits.

Change your profession or open your own business

If you don’t like your job and it doesn’t bring you the income you want, then it’s time to change it.

There are several options here:

1. To retrain and master another profession... To do this, you do not need to enter a university and wait several years until you graduate. You can just take short-term courses where you will be taught everything you need. Of course, over time, you can get a higher education in your specialty, studying by correspondence.
2. Open your business... Many do not even try, because they believe that it is rather difficult and a large one is needed. We are sure that for people with a clear goal (and you have one) and a desire to work, nothing is impossible. Moreover, you can start your own business with, and the initial capital in this case will not exceed 10 thousand rubles.

Regardless of whether you change your place of work and type of employment, we are sure that it is quite possible to earn money for an apartment in 1 year.

In confirmation of this, we bring to your attention 8 promising ideas for earning:

Realtor

Realtor Is an employee of a real estate agency who helps buyers find suitable housing, accompanies the client throughout the purchase / sale transaction.

Selling an apartment is not as difficult as it seems at first glance. If you have free time and a desire to work, then you can try to master this profession. Moreover, no investment is required from you.

Let's just mention that real estate agents receive 10-15% of the transaction value. Let's make a calculation. If the cost of an apartment is 2 million rubles, then you can earn 200-300 thousand rubles per transaction, and there may be several of them per month.

Resale of an apartment in a new building

Everyone knows that apartments in buildings under construction are several times cheaper than real estate that has already been commissioned.

So you can buy an apartment that is still unfinished (at the level of the pit), and when the house is completed and handed over, it can be sold at a higher price.

For example, you have enough money for a one-room apartment, but you want to buy a two-room apartment. In this case, you buy a one-room apartment in an unfinished house, and when it is commissioned, you sell your property with a 15-20% markup. The money received should be enough to buy a two-room apartment.

Side job on your own car

If you have your own car, then you can and should earn money on it. You can get a job in a taxi service, be a courier or work as a driver in any organization.

In addition to the classic ways to make money on a car, you can use extraordinary methods. For example, to ferry cars from abroad and sell on the Russian market. It is best to drive cars from the Baltic countries, Germany or Poland.

Organization of training courses

If you are a creative person and know how to do what others cannot, then you can open an author's workshop. There you can teach everyone your skills for a fee.

This can be the manufacture of unique dolls, jewelry, clothes, etc.

Resale of goods

A fairly good income is received by people who are engaged in the resale (speculation) of goods. You can trade a wide variety of products.

Now many people buy Chinese goods and resell them at times more expensive.

Breeding exotic animals and plants

Good capital can be earned by breeding rare exotic animals and plants. In any city there are connoisseurs of such a product, while they are ready to shell out impressive sums for their weakness.

Representatives of flora and fauna can be sold through the Internet or specialized stores.

Starting your own business

Think about what you enjoy doing best and what you do best. Maybe it’s worth starting to do just that. It's time to step out of your comfort zone and start your own business.

For example, a man worked as a mechanic at a service station for several years. He likes this occupation and everything that he does not undertake, it turns out. Then he needs to take a chance and open his own service station. Thanks to this, he will be able to earn more, expand his business and develop.

How to save money on buying an apartment

Buying an apartment, people are often lazy to independently search for their future housing and turn to realtors or real estate agencies. For a certain percentage of the transaction, specialists are engaged in the selection of an apartment and accompany you at all stages of the purchase and sale transaction.

All this sounds beautiful, but in practice it turns out that such agencies do not have their own database, but are looking for options in newspapers, on real estate sites or message boards. But you can do this yourself.

Many realtors do not have the required legal education and cannot properly advise you on any issues.

If you are afraid to draw up on your own, then it is better to contact experienced lawyers. They are the ones who know all the little things and subtleties of buying real estate. Of course, lawyers have to pay too. But this way you will spend 2-3 times less.

Is it possible to earn an apartment for a year with a salary of 15-30 thousand rubles? per month

In order to understand how to make money for an apartment with a small salary, you need to analyze your expenses and decide on the parameters of the desired apartment.

Let's say right away that at the moment we are not considering housing in Moscow or St. Petersburg, because a salary of 30 thousand rubles in these cities is unlikely to be enough for a family "for life", not to mention savings.

Therefore, with such an income, you will have to buy an apartment outside the city or in small towns.

So, a studio apartment is in good condition. 2-2.5 million rubles.

Having a salary in 30 thousand rubles., you will have to give up your own car and rented housing. We'll have to live with family for a while and transfer to public transport.

On average, one person spends on food 8-9 thousand rubles... If a family of 2 - 17 thousand rubles

For public transport and other minor expenses - 5 thousand rubles

Remains 8 thousand rubles

We calculate and determine how much you will have to save for an apartment worth 2 million rubles.

2,000,000 / 8 = 250 months or 20 years

If there are 2 working people in the family, then about 10 years. But remember that during this time you will limit yourself in everything. And with the advent of children, spending will increase.

As you can see, it will not work to collect 2 million rubles in a year with a salary of 30 thousand rubles, even if you don’t spend a dime. But you will manage to save up for a down payment on your mortgage. To summarize, let's say that if you really want to have your own living space, then it is vital for you to look for a part-time job or change your current job.

Having decided to save up money for an apartment for a year, you set yourself a rather difficult task. During this period, you will have moments of elation and loss of strength, since you will have to work a lot.

In order not to give up and continue walking towards your cherished dream, we suggest using the following recommendations:

• Never give up. Go to your goal. It's worth it;
• Don't be skeptical. Think positively and optimistically;
• Don't look for easy ways and "easy" money. Do you remember the adage "Free cheese is only in a mousetrap";
• Don't be reckless. Think over any step you take, consult with relatives and friends;
• Bypass dubious offers and do not get involved with "gray" schemes.

Conclusion

It is quite possible to make money for an apartment quickly. But anyone who sets such a goal will need to get out of their comfort zone. Surely you will have to change your lifestyle, learn to save money and keep track of the money spent, give up entertainment, perhaps change your profession, retrain and find a new job.

Someone, it turns out, save money, but someone does not. We know one thing, in order to earn such a sum in such a short time, we need to act. Namely, to set a goal and go towards it no matter what. We are confident that you will succeed, and very soon you will be proud of yourself and show off your own home!

Currently, the level of housing prices is the main reason for the impossibility of solving the housing problem for the majority of Russian citizens and families. The only way out, as it seems to many, may be the registration of a mortgage. Practice proves that you can buy your own home not only with the help of borrowed funds. Let's take a closer look at how to save up for an apartment without a mortgage and where to get money for the implementation of such a goal with simple mathematical calculations.

Mortgage lending for an ordinary resident of Russia means high interest rates, long-term bondage and a high probability of home loss in case of non-payment of debt. In fact, a mortgage, like any other type of loan, has pros and cons. Let's take a closer look at the disadvantages.

Among them:

1. High overpayment. Due to the long term of debt repayment and rather high interest rates in the Russian Federation, the total cost of the loan can be increased several times compared to the amount received by the borrower. The longer the repayment period, the higher the final value of the overpayment will be.
2. Purposeful nature of spending credit funds. The money received from the lender can only be used for the purpose specified in detail in the loan agreement, namely, for the purchase of a specific property with a specified value. The majority of Russian banks do not include in the mortgage loan additional costs associated with repairs, furnishing, purchase of furniture and equipment for future housing. The client has to find funds for this on his own or apply for a new loan.
3. Loan security in the form of real estate pledge. Under the concluded mortgage agreement, the acquired housing is pledged to the bank, about which an appropriate entry is made in the Register and a mark in the documents of title. After that, the borrower will not be able to sell, register family members, make redevelopment, donate and re-mortgage. Even complex repairs will have to be coordinated with the lender.
4. Payment of a fixed amount from the price of the property being purchased (down payment). The vast majority of Russian banks designate the payment of the first installment as a mandatory requirement for registration of a mortgage, the minimum amount of which today is 15% of the market value of an apartment. There are almost no offers without a down payment on the market.
5. A significant rise in the cost of the loan due to the mandatory additional payments. Additional costs include the purchase of an insurance policy, payment for the services of an appraisal company, notary, registration costs, etc. They all add up to the mortgage overpayment, which leads to an even greater increase.
6. The likelihood of loss of ownership in case of impossibility to further service the debt. Loss of work, health, a sharp deterioration in the standard of living and creditworthiness due to certain extraordinary reasons and factors can lead to systematic delays or even refusal of the borrower to pay the debt to the bank. In this situation, the creditor will be forced through the court to begin the procedure for collecting the pledged object and put it up for auction. Then the client will lose his home legally.

IMPORTANT! Taking out a mortgage for a long term, any person will experience a difficult burden of monthly deductions from the family budget of mandatory payments. Therefore, psychological discomfort is another tangible disadvantage of mortgage lending.

Is it possible to save up with a small salary

If you set a goal in the near future to acquire your own apartment or house without the help of a mortgage, then even the low incomes of an ordinary Russian family will allow you to do this. To understand the reality of such a statement, you need to arm yourself with a conventional calculator and compare the results. The main thing is to establish what will be more profitable in a particular case - savings or a pledge in the form of a mortgage.

Let's make simple calculations for a borrower who wants to buy a 1-room apartment in the region and separately in Moscow, taking into account the average salary.

Calculation example for Moscow

Moscow is considered a separate city when calculating most of the economic, social and other indicators due to its size, population and standard of living. Consider an example of whether it is realistic to save up for housing (a one-room apartment) for a working Muscovite with an average salary in the city.

In the calculations, we will use the official data of Rosstat. So, suppose that a potential buyer of real estate receives 80 thousand rubles per month (average monthly salary in Moscow at the beginning of 2020) and plans to buy a 1-room apartment in a new building with a standard layout costing 4.520.000 rubles (at an average price per 1 sq. m. 113.022 rubles) with an area of ​​40 sq. m.

Let's say that the client will monthly deposit 31,000 rubles into his bank account. In a year, the account will already have 372 thousand rubles. For 12-13 years, the amount of savings will be approximately 4.5 million rubles. With the release of additional funds or the search for alternative sources of income, the accumulation period will decrease.

This is a real example of how you can save up for your own apartment without going to a bank for a mortgage for an ordinary busy citizen living in Moscow. Of course, the calculation did not take into account many factors, such as: inflation, rise / fall in the price of housing, crisis phenomena in the economy, the possibility of placing the accumulated funds on a deposit at% -ty, obtaining other additional income, etc. But the general message is very clear.

CONCLUSION: Without overpaying millions of rubles to banks, a Muscovite with a salary of 80 thousand rubles quite real about for 10-12 years will be able to save up for their own housing. It will be even easier for a family with two working spouses.

Calculation example for regions

For calculations by regions of the Russian Federation, we will use the average monthly wages at the beginning of 2020 and prices for 1 sq. m. of a typical apartment in a new building. For example, let's take the data for the Volga Federal District.

So, the input data:

• the monthly salary of a person is 30 thousand rubles;
• cost of 1 sq. m. - 42.7 thousand rubles;
• area 1-room apartments - 36 sq. m .;
• the price of an apartment in a new building is 1.5 million rubles.

We will send 13 thousand rubles monthly towards savings. For the year, the amount of savings will be 156 thousand rubles. In 10 years it will be possible to accumulate about 1.5 million rubles.

That is, during 9-10 years old a resident of an ordinary Russian region with average incomes (with the current level of wages and prices), instead of cooperating with the bank and paying him huge interest, will be able to buy an apartment in a new building.

Is it possible to do without a mortgage if you need to rent a home

Consider the options for calculating the acquisition of your own living space, taking into account the fact that a person has nowhere to live and he has to rent an apartment. Let's leave the input data unchanged.

Calculation example for Moscow

Rental prices in Moscow will depend on many factors, including the area (distance from the center, prestige), the type of house, the area of ​​the apartment, etc. A salary prize of 80 thousand rubles, a person can only count on renting a 1-room apartment on the outskirts of the city or even in the region.

Let's take the average cost of renting such apartments - 20 thousand rubles (example: an apartment with an area of ​​33 sq. M. In Butovo). You will have to pay 240 thousand rubles a year. With the initial data to save per year, it will turn out to be approximately 132.000. It will be possible to save up for an apartment under such conditions not earlier than in 30 years. In this case, the mortgage will be more expedient, even despite the overpayment.

If you save at least 22 thousand rubles a month (taking into account rent payments, a person will have about 38,000 net payments), the savings will amount to 234 thousand rubles a year. It will be possible to save up for an apartment worth 4.5 million rubles in about 15-17 years.

The results obtained will not suit anyone - the accumulation period is too long, when you have to limit yourself in everything. Therefore, for Moscow, the best options are long-term lease of comfortable housing or a mortgage.

Calculation example for regions

In the Volga region, the average rental price for a typical 1-room. apartments (economy option) is 10-12 thousand rubles. Under our terms of mortgage lending, the lease payment will be lower than the credit one by about 2 thousand rubles.

Taking into account such figures, the accumulation procedure while living in a rented apartment becomes irrelevant. Here it is better for a person to continue renting an apartment or decide on a mortgage.

When a husband and wife work in a family, their combined income will allow them to rent and accumulate the amount necessary to buy a home.

If you still take a mortgage

Let's draw an additional parallel with the potential option for obtaining a mortgage for Moscow and the regions of the Russian Federation.

Calculation example for Moscow

For the purchase of 1-room. apartments worth 4.520 million rubles, the borrower will be offered the following conditions for a mortgage loan:

• interest rate - 10% per annum (market average);
• down payment on a mortgage loan - 15% (680 thousand rubles);
• debt maturity - 20 years.

In this case, the mortgage overpayment will be 5 million rubles with a monthly payment of 31,000 rubles. Such a payment will be feasible for a lonely resident of Moscow with a salary of 80 thousand rubles.

You can reduce the overpayment due to the possibility of early repayment of the mortgage.

Calculation example for regions

Initial data:

• the price of the apartment is 1.5 million rubles;
• first installment - 225 thousand rubles;
• lending rate - 10% per annum;
• loan term - 20 years.

The size of the monthly payment (annuity system) will be 12304 rubles. The total overpayment on the loan is 1.68 million rubles.

The monthly payment of 12 thousand rubles is comparable to rent payments, so many residents of Russian regions prefer mortgage lending (it will be easier to save up for a mortgage), since they will have to pay for their own housing, and not for strangers-tenants.

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Use our mortgage calculator to calculate the mortgage payment schedule and estimated income for it, as well as the amount of mortgage overpayment. The calculator provides a function for calculating early cancellation.

The pitfalls of these calculations

The calculations presented in the article do not take into account a whole range of factors that have a significant impact on the final result.

In particular, it does not take into account:

1. Inflation rate (which can lead to a serious depreciation of the accumulated amount intended for home purchases).
2. The impact of the crisis (the history of economic crises in the Russian economy clearly shows how the ruble exchange rate, the key rate of the Central Bank of the Russian Federation and other indicators that directly and indirectly affect all areas of our life can change).
3. Participation in state programs and receiving assistance from the budget (for example, maternity capital of 453 thousand rubles for families with two or more children, as well).
4. Utility bills and other obligatory expenses (their total volume can lead to a significant increase in the final result).
5. Receiving additional income when placing money in a deposit (subject to capitalization and periodic replenishment of the account, the client will receive a profit in the form of accrued interest).
6. An increase in the level of a person's income in the future (the initial conditions with a salary, for example, 80 thousand rubles a month in Moscow are not a constant value, but most likely, they will gradually change in the direction of growth).
7. The psychological factor of constant pressure on the budget and a conscious decline in their living standards (saving money for an apartment a significant portion of their income or paying a monthly mortgage payment, a person constantly experiences discomfort and pressure, denying himself a lot).

It is impossible to take into account all these factors, since they tend to change for each specific situation.

Step-by-step instructions: how to save up for an apartment without a mortgage

Accounting for income and expenses

Bringing the family budget in order, namely the optimization of income and expenses, can become the basis for the release of a significant amount. Elimination of unnecessary and spontaneous expenses, as well as reasonable savings on purchases will become the basis for the possibility of accumulation.

It is better to keep your budget in writing or electronically (now there are a lot of special programs), recording all income and expenses.

Goal setting

Setting a global goal is where you need to start the process of accumulating funds for a new apartment. In your head or, again in writing, you need to keep what kind of real estate will be purchased, in what area, its approximate cost.

Practice shows that having a main goal is the key to 100% success. Families, even with average incomes, who have competently approached their savings, as a rule, in 7-10 years will be able to afford to buy comfortable housing with deferred money.

IMPORTANT! Your goal may change over time. It is important to realize that in 5 or more years a person's lifestyle, his level of well-being and desires may change.

Control over spending and habits that steal money

A person who has set himself the goal of saving money for an apartment on his own must get rid of unnecessary spending. This refers to the cost of bad habits - alcohol, cigarettes, empty pastime in clubs and other entertainment establishments.

If you calculate how much money is spent weekly, monthly and annually on such items of expenditure, it will be easy to understand that it would be more logical to spend these funds on more humane and necessary things (especially if the housing issue is acute).

It is better to go to the store with a pre-compiled list and avoid "going outside the box" in it.

We start to postpone

After the goal is set, it is recommended to immediately start saving money from the income received. Depending on the amount of the monthly salary and the additional money, the family must determine how much minimum and maximum it can save.

It is better to make deductions every month, without gaps, since periodic indulgences will lead to distance from the tasks at hand. The amount of savings should not be less than 10 and more than 40% of the size of the person's or family's income.

One person can afford to save by saving 30-40% of his salary, another - only 10%. Everything here is individual. You should not strain as much as possible, denying yourself the essentials, as this can lead to sad consequences.

Forming a Freedom Fund

Many people know that the freedom fund is a kind of reserve of funds, the size of which is equal to the sum of expenses for 3-6 months. That is, it is a certain "airbag" that every person should have at hand.

The Freedom Fund splits off in case of any unforeseen expenses related to human health, family, housing or other household problems.

The absence of this fund, with an urgent need for money, usually leads to the adoption of not the best decisions - obtaining quick loans at high interest rates, loans from individuals or relatives, etc.

Where and how to keep money

To accumulate free funds, you should immediately open a separate bank account or get a plastic card. For yourself, it should be noted that only replenishment operations will be performed on the selected instrument. The expense of money must be categorically excluded.

The old ways of keeping 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 options for investing money in various kinds of dubious investments, cooperatives, especially if the investor does not understand the essence of participation.

Purchase of minimum affordable housing

The more expensive the housing is, the more time it will take to accumulate the required amount. Therefore, it would be more logical to buy a budget option for living space - a studio apartment of a small area, an isolated room and a small apartment on the outskirts of the city.

The cost of such real estate objects, as a rule, will make it possible to collect the necessary money for their purchase in a fairly short time. Many people do not abhor life in a communal apartment or hostel. After purchasing a room or other minimally affordable housing in the future, while living in it, you can continue the further process of accumulating a larger area for an apartment of a higher class. Everything is done gradually.

Increase in income

Even in conditions of constant employment, it is worth looking for a part-time job or alternative income. Here, each person can find an option that suits him.

Some people can start their own blog or website, start a small business (both real and Internet projects), etc. By finding an additional source of income, a potential home buyer will be able to significantly increase their standard of living.

Important! Tinkoff Bank has begun hiring employees for remote work, which allows it to receive additional and quite decent official income.

Investment

The accumulated funds can also be invested in investments. The resulting passive income due to a well-designed portfolio will allow you to increase your investments.

You can invest in the purchase of precious metals, shares and other securities of domestic and foreign companies, etc. When using this option for making a profit, it is important to accept and understand the potential risks and carry out any operations taking them into account.

Selling your first home and buying a new one

Another option to improve current living conditions is to sell the existing living space and buy a new one, subject to the addition of the missing amount. Achieving such a goal is usually easier compared to the condition of not having any real estate.

Due to such a deal, it is possible to increase the area of ​​an apartment, change an area in a particular city of Russia for a more prestigious one, change a house, etc.

Accumulating money for the purchase of real estate in Russia is a reality. Each person, even with an average income, has a lot of options for accumulating the required amount to buy an apartment. Optimizing the family budget, eliminating unnecessary spending, simple saving schemes, looking for a side job and additional income will allow you to achieve your goal and save money.

Please rate the post and leave in the comments your answer to the question about the possibility of saving for an apartment without a mortgage.

For many people, mortgages are the only way to purchase their own home. However, high rates, a large package of documents for the bank and a down payment make even such a purchase impossible.

What then remains? You can rent a house, but with a salary of 20,000 rubles, this means parting with most of the income. To date, experts have come to the conclusion that it is quite possible to save up for your own apartment even with a small salary.

Real estate in Russia

The real estate market in Russia was formed relatively recently. This is due to the fact that there was practically no private property in the Soviet Union. After its collapse, it became necessary to quickly adapt to new conditions.

Today, all real estate in Russia is divided into two types:

• residential;
• commercial.

Residential also has its own types:

• city;
• suburban.

Urban real estate includes apartments in multi-storey 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:

• Economy class. This type of real estate includes small apartments in panel houses. Also in this category are apartments located in residential buildings, but with an unsuccessful layout, a small area and in poor condition.
• Business Class. This includes large apartments in brick buildings. The main conditions for such real estate are increased heat and sound insulation, the presence of a well-equipped local area and parking.
• Deluxe. Other names for this class are premium and elite. Such housing is being built according to the original project of the famous architect. The adjacent territory is also equipped according to the scheme of an eminent specialist. Only high quality materials are used for the construction of deluxe real estate.

Suburban real estate is one-story buildings, cottages with two or more floors, as well as townhouses, where three separate dwellings are located in one house.

The price of real estate is formed depending on the class of housing.

Approximate prices in Moscow and St. Petersburg, as well as in provincial cities

The highest real estate prices are set in such megacities as Moscow and St. Petersburg.

To buy a secondary housing in Moscow, the average person will have to pay approximately 163 thousand rubles per square meter. This is the price for business class real estate. The cost of housing in Moscow in a new building is approximately 155 thousand rubles.

Real estate prices in St. Petersburg are slightly lower. Secondary housing can be purchased for 100 thousand rubles per square meter. The cost of real estate in a new building is approximately 93 thousand rubles per square meter.

In provincial cities, the cost of real estate is much lower than in metropolitan areas. Table 1 will show prices in some of the major cities in Russia.

Real estate prices in Russia. Table 1.

Such housing prices indicate that buying their own home is impossible for the overwhelming majority of Russian residents.

Average salary in Russia

The average salary in Russia is approximately 36,000 rubles. However, for megalopolises 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 figures are much more modest. For some cities, they will be shown in Table 2.

Average salary in Russian cities. Table 2.

However, as practice shows, many ordinary people have a salary of only 15-20 thousand rubles, it is almost impossible to make significant savings with such income.

No mortgage

To save up for an apartment without any mortgage, you need to prepare for the exit from the comfortable living conditions. Morale is half the battle.

Accumulation should not start with saving money, but with keeping track of expenses. Experts advise to have a separate notebook or notebook in which all expenses are recorded - rent, transport costs, loans, food, household chemicals, etc. Even the purchase of a matchbox should be taken into account. At the end of the month, a summary should be made. You need to calculate all the expenses and think about what you can save on.

This system allows you to determine how much money is required per month. The remaining amount can be deposited in the bank for interest. It is they who will bring you closer to the cherished goal.

How to save up for housing with a salary of 15,000

Accumulating a serious amount with a salary of 15,000 rubles is an unrealistic task. If a one-room apartment costs about 1,800,000 rubles, then the entire salary will have to be set aside for it for 10 years. In this case, you can not afford any spending at all. It is unrealistic to do this a priori. This means that we need to look for other ways of where to get money for an apartment.

With a salary of 15,000 rubles, no bank will give a mortgage. Forget about this option. In this case, in order to purchase your own home, you should think about looking for an additional source of income. Ways to do this will be discussed below. You also need to pay attention to government support. Support programs for young families are constantly being developed. The maternity capital is still in operation. According to it, at the birth or adoption of the second and subsequent children of the mother, a certificate is issued that can be used to improve living conditions.

In addition, you can borrow money from relatives. However, this will cause the need, sooner or later, to return the entire borrowed amount. Therefore, when the salary is 15,000 rubles, the best option is to search for an additional source of income.

How to save up for an apartment with a salary of 20,000

If an average person's income is 20,000 rubles, then it is also very problematic to save up for your own housing. A one-room apartment worth 1,800,000 rubles will become available if you save 15,000 rubles for 10 years.

The situation is simpler for families where at least two adults work. They will be able to purchase a one-room apartment for 1,500,000 without a mortgage in 6 years. To do this, they should form their budget in such a way as to spend only one salary. The second should be completely set aside for the apartment.

How to save up for an apartment with a salary of 30,000

You can collect money for an apartment with a salary of 30,000 rubles only if you try to save on literally everything. First you need to decide on the housing that will subsequently be purchased. You should choose an area and find out the current prices at which real estate is being sold there. When it is clear how much housing costs, it is easier to determine the amount that needs to be accumulated and make a calculation.

For example, a one-room apartment costs 1,500,000 rubles. If you set aside 20,000 a month, about 6 years from now it can be bought. In this case, only 10,000 rubles remain for all needs. You cannot go beyond this limit. Only under this condition will the real estate purchase operations be feasible.

If you want to buy an apartment quickly and do not want to save on everything, then you can find an additional source of income or turn to government support programs.

With a salary of 50,000

To quickly save up for an apartment with a salary of 50,000 rubles is a pretty real task. To do this, as already mentioned, you should decide on the cost of the apartment and start a notebook of income and expenses. With reasonable savings, you can save 30,000 rubles a month. In this case, an apartment for 1,500,000 rubles will be available in 4 years. If you need housing of a higher value, then you need to either save up longer, or find an additional source of income.

In Moscow

It is most difficult to save up for an apartment in Moscow because of the high cost of housing. However, even in this case, you can do without a mortgage.

The first thing to do is to find out about the preferential terms for purchasing real estate. If they are suitable for the layman, then he must then contact the social security department, where he will be told in detail about what documents he should collect.

In the absence of favorable conditions, it is necessary to determine the cost of the apartment and start saving money. When a sufficient amount is collected, it is recommended to make a savings deposit, thanks to which you can quickly raise money for an apartment.

Savings methods

There are some specific cash saving tips to help you accumulate funds:

• Refusal to use coffee, alcoholic beverages and tobacco. A certain amount is spent on these needs daily and weekly, on which it is quite possible to save.
• Refusal to visit cafes, restaurants, etc. If you don't eat in the cafeteria at work, but take food with you, you can save an impressive amount of money.
• A trip to the store should be carried out only with a specific shopping list.
• Refusal of rented housing. This advice is relevant for families who might move in with their parents.
• Refusal to use personal transport.

How to increase income, various options

To start saving, you need to have a good salary. If the income is small, but at the same time there are a number of conditions that keep in this place (social benefits, friendly team, etc.), you should start looking for new sources of income. Here are some variations on this:

• Investments. This is passive income. You can invest money in precious metals, shares of large companies, etc.
• Bank deposit. In this case, it is recommended to choose trusted banks with a high interest rate. In this case, the deal will bring a lot of profit.
• Own blog or website. Their creation brings good income, sometimes several times higher than that which is available at the main place of work.
• Buying a ready-made website. If you do not have the skills to create a site, then you can purchase a ready-made resource. Further from "untwisted" and brings income.
• Open your business. Disadvantage - you need a down payment.
• Earn money on your car. You can get a job at certain hours, for example, before and after work, in a taxi service or in a courier service.
• Resale of goods. If you buy goods at a lower cost and sell them for a higher one, then you can make good money.

An example of calculating savings for an apartment for a required period of time

If a family consists of 3 people, while the total income is 70,000 rubles, then a two-room apartment for 2,000,000 can be bought in 3 years.

Here is a calculator for calculating accumulation for a desired period of time:

• Cigarette consumption is 180 rubles per day. This amount is 65,700 rubles per year.
• Coffee consumption - 300 rubles per can. It is enough for 2 weeks if all family members drink coffee. The cost per year will be 7200 rubles. The amount is small, but it still contributes to the general piggy bank.
• Three liters of beer at the price of 200 rubles. If you allow yourself to drink a drink once a week, then the amount per year is 9600 rubles.
• A set lunch costs about 150 rubles a day. This amounts to 750 rubles per week and 3000 rubles per month. The savings will amount to 36,000 rubles per year. You can save 72,000 rubles on meals for two adults. If once a week there is a habit of going to a restaurant, then for two adults this trip is about 6,000 rubles. The sum of 72,000 rubles is collected per year.
• Buying something unnecessary, the family overpays up to 1000 rubles at a time. Sometimes spending on unnecessary purchases is 10,000 rubles per month. 120,000 rubles per year.
• If the cost of rent is 20,000 rubles, then abandoning it will bring savings of 240,000 rubles per year.
• If you change to public buses, you can save up to 200 rubles a day. The savings will amount to 73,000 rubles per month.

TOTAL: 659,500 rubles per year. In three years, with such savings, you can save 1,978,500 rubles. This is almost the full cost of the apartment.

Pitfalls, inflation

Often ordinary people are interested in the issue of inflation. Over the years, money depreciates due to rising prices, so many are sure that saving is irrelevant. However, this does not apply to real estate. Prices for it were initially overpriced, so the growth in housing construction leads to the fact that the cost is constantly decreasing. Therefore, it is now much more profitable to save and wait for a fall in prices than to take out a mortgage. After paying it, it is much more likely that the home will cost much less than at the time of purchase.

There are many ways to increase your income and save for your own home. To do this, you do not need to ask someone: "Lend money" or "Help with the purchase of an apartment", but you just need to correctly distribute your income. How to do this was described in this article.