Accumulation of money for an apartment. How to save up for an apartment: real advice. We calculate: how much will it cost to buy an apartment
October 20, 2017 7:10 amThe problem of the lack of their own housing today exists among many Kazakhstanis. The only way out is to start saving, if not for an apartment right away, then at least for an initial fee on a mortgage. But how to quickly and correctly save money to buy your own home?
Portal about real estate site decided to understand this issue and help with effective advice to those wishing to buy their own roof over their heads.
Many people complain that they have a small salary, which does not allow family man collect the required amount for the purchase of an apartment, - says independent Financial Consultant Zhanagul Rasheva... - But then a completely natural question arises: why does someone with the same salary still acquire an apartment, while someone is barely making ends meet?
The specialist believes that it's all about thinking.
Change your thinking, understand that no one owes you anything and does not owe anything, ”warns the financial consultant. - And even with a small salary, you can and should look for a way out. Practice shows that those who soberly assess the situation find ways to solve the issue of acquiring the cherished square meters of ownership faster. From my own experience, I can say that disciplined people come to the goal faster, because the process of accumulating funds is not a one-day one.
According to the consultant, you need to be prepared for the fact that even a relatively quick accumulation of money will take you at least a year, or maybe more. In order not to get off the intended path and bring the matter to the end, you must adhere to a few simple rules. And then the coveted apartment will be the result for you.
1. Set a realistic goal for yourself
Set a goal for yourself initially. Only not from those unrealizable dreams, like a five-story palace on the seashore, but a real one. And by all means reduce it to minimum sizes... For example, you would like to buy a cottage for 600 thousand dollars, with your family's total income of 200 thousand tenge. It is clear that you can save up for such housing all your life and it is not a fact that even by old age you will have to become the owner of multi-room apartments. You will only acquire complexes for yourself and you will reproach yourself for your own insolvency.
In this situation, moderate your appetites and start visualizing. If you have nothing at all, then first plan to buy a small apartment on the outskirts of the city on credit. If you own a small living space, then the goal may be to exchange for a larger apartment.
Do not be afraid of small goals, let this be only the first stage on the path to accumulation.
Practice shows that those who soberly assess the situation find ways to solve the issue of acquiring the cherished square meters of ownership faster.
2. Find out the required amount of savings
A very effective accumulation tool is to have before your eyes all the numbers and calculations of the acquired housing. For example, you are planning to take a down payment from the bank to buy an apartment on a mortgage. We advise you to look in advance suitable option, find out what its cost is and then, in the bank, find out the amount of the initial payment, additional expenses and commissions financial institution and eventually display a specific figure.
At the same time, nothing prevents you from choosing other options with a lower or higher cost of objects, calling several banks to find the most favorable credit conditions for you, etc. The main thing is to have specific numbers in front of your eyes.
Most people do not follow this basic requirement. Potential buyers of real estate only roughly imagine the cost of apartments in a particular area and, according to friends or relatives, have an idea of the amount of the down payment and the amount of additional payment for the apartment.
The next stage naturally follows from the previous one. Financial analysts advise you to constantly track and record the amounts that you receive each month, how much of them you save for an apartment, as well as the total amount of accumulated money. These three numbers will give you a complete idea of the speed of progress towards your intended goal and serve as a strong motivator.
So, first digit is income. There shouldn't be any difficulties with her. This is the amount that most often does not change from month to month. Nevertheless, make it a rule to record it monthly in the "Income" line.
Second digit is the amount you can save. Here, too, everything is extremely clear. In the column "Deferred amount" every month write in the number that you are ready to donate without harming your family for the sake of the desired square meters.
Third digit is the total amount accumulated. To derive this figure, it is necessary to sum up the first two digits for all months of postponement. Here you need to add interest in the bank if your savings are on deposit.
4. Constantly review all numbers and analyze
It is important that these three numbers are always in front of your eyes, and you can view them at any time. The fact is that such an action will create the strongest motivation in your subconscious. Surprisingly, the usual revision of numbers is the secret with which the most significant money has been accumulated.
At the same time, it is necessary to periodically analyze the situation on the real estate market and in economic sphere... During the accumulation period, prices for apartments, bank conditions, etc. may change.
5. Analyze your monthly expenses
To get a complete picture of what the bulk of the money is spent on, it is necessary to fully record absolutely all expenses within a month (THIS IS VERY IMPORTANT!), - assures the independent financial consultant Zhanagul Rasheva. - As a result, you will be extremely surprised, since up to 40% of expenses are spent on unnecessary things or so-called impulse purchases.
6. Shop with a list
To avoid these so-called impulse purchases and the associated remorse, learn to visit supermarkets with a clear checklist and on a full stomach, the expert advises in all seriousness.
7. Allocate funds for contingencies
According to the financial analyst, when drawing up a family budget, that is, planning expenses for the coming period, it is advisable to lay 10-15% of this amount in excess - for unforeseen expenses. And make it a rule - spending on anniversaries, weddings and other events should not exceed this amount!
8. Find additional income
Yes, if you want an apartment, learn to find extra money, - says Zhanagul Rasheva. - You can tax in the evenings, you can take translations, you can write business plans, abstracts and so on. There are tons of opportunities for additional income.
40% of the expenses of the family budget are spent on unnecessary things, according to the financial consultant.
9. Choose a way to store money
One more important point- choose a way to save the freed up money and money that you will earn additionally. Be clear about where you plan to keep your money before buying an apartment. We are sure that for this purpose you will choose a bank account, and not a place under the pillow at home. After all, keeping money at home and not spending it is a difficult task that, most likely, will be beyond your strength.
Personally, I would recommend the well-known House Construction Savings Bank, - says an independent financial consultant Zhanagul Rasheva. - You open a deposit and take it as a rule - to take the money deposited monthly to the bank. Fortunately, there are now enough terminals to carry out this operation. The faster you collect for a down payment, the closer you will be to your intended goal. Having collected this amount, you can count on a bridging loan from the bank to purchase an apartment. In addition, by the time this amount is accumulated, you will already be psychologically rebuilt.
Another small but important point. According to the financial analyst, it is MANDATORY when planning a budget to provide for small expenses for trips with the family to various places of entertainment.
There is no need to take a "hungry" ration, - warns Zhanagul Rasheva, - otherwise at some point there will be a breakdown, and even with very strict restrictions, it is difficult for any person to remain in a complacent mood. In addition, if at the time of acquiring an apartment you will be left without a family due to eternal nerves and squabbles, is such a sacrifice necessary at all?
Karima Apenova, information service
Putting aside your modest paycheck. It is possible - tested on our own experience!
As statistics show, the overwhelming majority of Russian citizens have low wages. For some, even meeting the minimum needs is a pressing problem, not to mention the tempting offers of the modern world.
Here is our guest's experience:
My name is Anastasia, I am 35 years old and I live in St. Petersburg. I managed to accomplish the above. Initially, there was a plan to save up for a car, but the result exceeded expectations. I will tell you my own scheme of accumulating money.
I received driver's license 10 (driving) seasons ago. My goal was to buy a car. Of course, I didn't have the finance to buy it. For these purposes, most often they take a loan from a bank, but an initial payment is required. I started saving for it.
From his salary of 25,000 rubles. per month I began to put aside amounts in the range of 5-10 thousand rubles. monthly. She lived with her parents (thus she did not spend on rent). I bought only the most necessary things (groceries and things). Have you ever wondered what you are seriously spending your money on? Refuse spontaneous purchases! Plan your expenses.
The excitement for the accumulation of funds played out. It became more important for me to save more than spend. In addition, this stimulated the search for a higher-paying job. Having found such, they began to go into a club more large sums of money.
How to buy an apartment without a mortgage
When I had in my hands almost 200,000 rubles. , (this was enough for the initial payment), the decision to take a loan was changed. An idea arose to put funds into a deposit account in order to buy a car in the future for the accrued interest.
Acquisition of a car on credit would mean immediate expenses: payment of the loan rate, interest; car maintenance, insurance (OSAGO, CASCO), etc.
To make a deposit, contact a major bank for security. Choose a replenished deposit, but without the possibility of withdrawing the amount before the end of the term of the deposit (so that there is no temptation to withdraw funds).
Initially, the interest on the deposit is not high. After all, it all depends on the amount of the deposit: the higher it is, the more dividends. I saved up to buy a car faster than I expected.
My wild excitement prompted me to try to save money for the purchase of housing. I have successfully achieved this goal.
After 7 years from the beginning of the deposit, 1,700,000 rubles were accumulated (with a salary of only 40,000 rubles a month).
It should be noted that periodically (approximately every year) I managed to go on vacation.
I withdrew the funds I had accumulated on the deposit and invested in the construction of the dwelling. Choose a developer carefully. After three years of waiting, I became the owner of a one-room apartment (35 m²) in a new building. It is located in the city of Vsevolozhsk.
In fact, without a mortgage or any other encumbrances, I received my own home in 10 years.
The method is suitable only for those who can wait and have the opportunity to live somewhere during this time.
How much to save for an apartment
For clarity, I will give an example of calculation.
Every month the amount of the deposit was replenished by 10,000 rubles, the annual dividends were 6.7%.
In the 1st year we have: (10 thousand rubles * 12 months) + 672.0 rubles. (min.% per year) = 120,672.0 rubles.
For the 2nd year: 120,672.0 rubles. + (10 thousand rubles * 12 months) + 8 107.0 rubles (min% per year) = 248 779.0 rubles.
3rd year: RUB 248,779.0 + (10 thousand rubles * 12 months) + 16 714.0 rubles. (min.% per year) = 385,493.0 rubles.
Situation for the 4th year: 385,493.0 rubles. + (10 thousand rubles * 12 months) + 25 899.0 rubles. (min.% per year) = 531,392.0 rubles.
5th year: RUB 531,392.0 + (10 thousand rubles * 12 months) + 35 701.0 rubles. (min.% per year) = RUB 687,093.0
Thus, setting aside 10,000 rubles every month, over 5 years you can get 87,093.0 rubles on interest alone, and together with your savings, you can get 687,093.0 rubles.
Honestly, I myself did not fully believe that I could do this. But once I started, I didn't want to stop. I regretted not doing this earlier.
Isn't it better than wasting money and borrowing money to commit large purchase? The higher the rate deposit, the faster you accumulate large sum.
How to buy an apartment without a loan
If you decide to follow my example (start with at least minimum amount deposit), take note of a few tips:
- Avoid obscure banks
They are not reliable, they attract seductively high percentage annual. Stop at large bank trustworthy (deposits will be insured against bankruptcy, albeit with low dividends).
- Don't "put your eggs in one basket"
When the amount accumulated in the deposit account exceeds sum insured on the deposit, continue to invest, but in another bank. In case of bankruptcy of the first bank, according to the law, you will definitely receive the insurance amount in full.
So, saving and saving money is not that difficult. You should control yourself in spending. Life is unpredictable and it's good to have at least some savings.
We often waste money, and to purchase expensive things we have to take loans that are paid with interest. Of course, the choice is yours. After my experience, I am saving money again, because I plan to buy a car.
Greetings readers! Many are interested in how to save money for an apartment and collect the required amount? This is a rather difficult process that can last for several decades.
But it can be accelerated, this material will consider the main nuances and rules for creating savings.
The main aspects of saving money for an apartment
Accumulation of funds consists of two components:
- Monthly payment of a certain amount that remained from the salary.
- Keeping savings from inflation.
But is it worth spending so much time on savings when now you can get a mortgage and move into your own home? It all depends on the circumstances; this option is often justified and has many advantages.
You will have to overpay for the loan and this is the main disadvantage of cooperation with banks. For example, the rate is 15 percent and the repayment period is 15 years.
Simple calculations turn out 225 percent, that is, you could have bought not one apartment, but three, if you take into account all payments over these years.
But do not expect to quickly raise the required amount if you do not have a huge income. Prepare that even in the best case scenario, this process will take at least five years, so you will have to be patient.
How to keep a part of your salary?
The main reason for the constant lack of money for many people is their high needs. They grow with income, no matter how much you receive, funds will still not be enough if you do not learn to control costs.
- First of all, start keeping your family budget, take into account all income and expenses. You will have to spend part of your salary only on really necessary purchases, give up frequent visits to restaurants and cafes, and purchase not very necessary things at the moment.
- Calculate how much is required for a full-fledged existence and try not to exceed it. Everything that remains of the family budget should be converted into savings. The more you can save each month, the faster you will achieve your goal.
- Don't buy too much. Deny yourself the things that are not needed at the moment. If you have free money and there is nowhere to spend it, then put it aside from your wallet into general savings.
- Create a consistent budget and stick to it. Prices do not rise so much, so that the revision and recalculation of the amount for existence can be carried out twice a year, taking into account the current situation and the cost of basic goods. Do not exceed the established limit, this should become a basic rule for you.
- Never take even a small amount from your savings. They must become inviolable, consider that they simply do not exist. If you allow this once, then in the future the use of savings for other purposes will become a habit.
- The main thing is to set the goal correctly. You must be aware of exactly why you are going to all these restrictions and what the result will be. The goal will start to deter you from the temptation to buy something extra in the store and will speed up the process. But you need to understand for yourself how important it really is. Is buying an apartment worth cutting back on needs?
- If you find it difficult to control expenses, then you should exclude contact with savings altogether. It is better to create a deposit, without the ability to withdraw cash throughout the entire period. When you do not have access to funds, then unnecessary spending is excluded.
- Refuse to pay for purchases by credit card... It creates the illusion of the ease of this process, because you do not give your own money, but simply make a few clicks of buttons. But people who have been using cards for a long time understand that the numbers in the account are the same means.
It is important to understand the value of finance. To save yourself from unnecessary spending, you need to think about how much you had to work. Greed is present in every person, and when you realize the full severity of earnings, you don’t want to give the money.
How to save the accumulated?
The main enemy of any savings is inflation, which gradually leads to their depreciation. When you already have a certain amount, you should think about where you can get it. additional income.
The easiest option is. The interest is not too high, but the risk financial losses minimum. You can offset inflation and keep savings so they don't lose value.
Now you know how to save up for an apartment and save money from inflation during this process. If the material was interesting to you, then share it on social networks.
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P.S. For refinancing loans other banks pay attention to the offer Ural Bank for Reconstruction and Development (UBRD) for the amount up to 1,000,000 rubles. at 13% per annum.
The bank also provides the possibility of registration online applications on consumer credit with a rate of 11% for an amount up to 200,000 rubles. only with a passport (with a certificate of income up to 1,500,000 rubles).
Every fourth Russian is going to buy a house in the next five years.
Sergey Antonov
loves statistics
It is possible to save up for an apartment for this period if you spend your salary only on the most necessary things, and put the rest of the money on deposit. We calculated how much residents of different regions of Russia will have to save up for an apartment.
As we thought
We have chosen a typical one-room apartment with an area of 34 square meters. To save up faster, they took second-hand housing: it is cheaper. Prices for apartments in the regions were taken from Domofond, Tsiana and Avito.
On the Rosstat website, we looked at data by regions about average salary and deducted the cost of living - it is also different everywhere. The rest is free money that can be deposited into a savings account every month. Now the average rate on deposits, according to the Central Bank, is 5.99%.
Based on these data, we calculated how long it would take for an average resident to save up for an apartment in the capital of his region.
Interest capitalization
In the calculations, we took into account the capitalization of interest. Capitalization is when the interest accrued on the deposit is added to the deposit and also begins to generate income. For example, if you put 100 thousand rubles at 6% per annum, then without capitalization in 5 years you can earn 30 thousand rubles. And if you do not spend income, but leave it on the deposit - almost 34 thousand. The difference is 11%! With large numbers and long periods of time, capitalization allows you to make good money.
How much will you have to save
The residents of Magadan will accumulate the fastest. Average monthly salary here it is 83 997 R, and the subsistence minimum is less than 18 846 R. You can save nearly three quarters of your monthly income. It will take only two years and one month to save up for an average one-room apartment for RUB 1,785,612.
The residents of Sevastopol will have to save the longest: with a relatively low average salary of 32 704 R and living wage 10 395 R for a one-room apartment for 2 886 804 R will need to be saved for eight years and three months. For comparison, in neighboring Simferopol it will be possible to buy an apartment almost a year faster - in seven years and one month. It's more expensive to live closer to the sea.
For true lovers of statistics
National average to save up for one room apartment, you need six years. You can compare how the situation differs in different regions on our map:
The most expensive and cheapest housing
Moscow, as expected, took the first place in the high cost of housing - a conditional one-room apartment will cost 6,622,044 rubles. A resident of the capital will save up for it for six years and three months. In second place is St. Petersburg: an average apartment for 3,932,066 R will have to be postponed for five and a half years. Yuzhno-Sakhalinsk closes the top three regional centers with the most expensive apartments. True, thanks to high salaries, it is possible to accumulate R 3 345 158 necessary for the purchase of housing in just four years.
Hello, dear readers of the site magazine! Today we will tell you how to earn money for an apartment and save money to buy your own home, even for a person with a small salary.
Have your own home (house or apartment) - the cherished dream of most people. However, not many are eager to start implementing it. Fear is caused by high prices for square meters, level wages, especially in the regions, as well as the legal difficulties of paperwork.
As one wise saying goes, any road starts from the first step... You can accomplish your plans only by setting a clear goal and having a well-coordinated scheme for achieving it.
This publication is for those who, having small but stable income, or just a desire, or a vital necessity, decided to buy their apartment, despite numerous assurances that it is difficult, impracticable and threatens with huge bank loans.
In this article, you will learn:
- How to formulate a goal correctly;
- What are the real schemes of earnings and savings exist for the quick acquisition of a large sum for the purchase of housing;
- How to save on the purchase of an apartment in the amount of 150,000 to 200,000 rubles. and more.
In addition, you will receive practical advice on earning and saving big money+ ways to multiply them. This will help create capital for buying their own family nest for young families, and for those who have rented an apartment almost their entire life, it will give a chance to get their property without huge loans, which, however, are difficult to obtain with an average salary.
Read about how to buy your apartment quickly and with savings right now!
Practical advice + working ways to earn and save money for an apartment
1. What you need to know in order to earn and save up for an apartment for 1 year - calculations and opportunities 📝
In order to determine the path of earning money or accumulating funds for housing, it is necessary decide on its parameters ... At first glance, this moment seems unimportant, however, as practice shows, most of the time and money is spent looking for what you need.
To complete the transaction, you have to attract realtors, which, with significant professional experience, help to understand the needs of the client and determine the right option.
For example, it is important for a person that there is a certain school or kindergarten nearby, a sports section for children, or he spends several hours a day on travel to the place of work, but this option can be simplified by buying an apartment next to a certain metro line or in the same area ...
When involving real estate agencies in the process of choosing housing, it is natural that there is an increase in the cost of an apartment by an average of 10 – 15 %. With the price of a one-room apartment in the capital at about 4-5 million rubles, the cost of Additional services will amount to 400 - 600 thousand rubles.
These funds can be spent on a good renovation or the purchase of quality furniture, will you agree? Therefore, we analyze what is a priority for us and the family, and we draw up the exact characteristics of the home planned for purchase:
- Apartment characteristics: one, two or three rooms. The location of the bedrooms - for example, if you have two children, and you are going to purchase two-room apartment, then the option with a combined layout with a passage to the bedroom through the hall is not acceptable. A certain area of the apartment and premises is taken into account. Perhaps your wife spends a lot of time in the kitchen, and there are always many guests in the house, then it is better to provide that the apartment has a spacious kitchen, also combined with the living room. If there will be a lonely person who is constantly on the move or eats in restaurants, you should not pay attention to this fact.
- Where should housing be located: in or outside the city. Those who are accustomed to vehicles and get tired of the bustle of the city, loves nature, can count on buying an apartment (townhouse) in cottage village or an individual building object. The cost can be lower or remain at the same level. It is important what exactly your soul desires, and that the upcoming purchase brings only joy and is associated with positive emotions. The psychological attitude plays a special role.
- Purchase terms: making a% payment, installments for a certain period, payment maternity capital, (mortgages).
- Amount of funds accumulated for the purchase of an apartment, and the allowable monthly expenses for the purchase of real estate.
As soon as you decide on all these criteria, the range of objects with specific characteristics, price level and payment terms will become much smaller. Of these, it will be possible to choose exactly the option that will completely suit all criteria.
Based on these parameters, we determine monetary opportunities. For example, a one-room apartment in the region will cost about 2 million rubles. You have an amount of 500 thousand rubles available. To purchase you need another 1.5 million rubles.
Calculated for a year, it turns out: 1,500,000 / 12 months = 125,000 rubles.
That is, during the year for the purchase, you need to postpone monthly on 125 000 rub. If such income is not foreseen at the existing place of employment, then it is necessary to find a way. There are several proven ideas on this score.
Real ideas and ways to make money to buy an apartment
2. How to make money for an apartment 💰 - 5 proven ways
If there is an urgent need to purchase your own apartment, and incomes remain at an average level, do not rush to get into "Debt hole on 25 -30 years" signing a mortgage agreement.
Psychologists argue that loan obligations are akin to serfdom in terms of emotional content. A person falls into slavery, driven by the desire to receive material benefits as soon as possible. He lives on the "patrimony", but redeems it with daily hard work.
Buying something for a loan, people are selling their future: all their thoughts rush to the need for a certain date of depositing a certain amount of money.
Think how many sleepless nights you will spend thinking about the possibility of another crisis, an unexpected rise in currency prices and, accordingly, the same rapid rise in prices in stores. And the fear of being fired, being laid off, deprived of the physical ability to work with the same strength? Isn't it easier to devote to assessing your needs and options to solve the housing problem of all one evening without resorting to the help of a bank?
Advertising convinces us that taking out a mortgage is profitable because of the processes inflation ... So, using examples, they explain to us that in 10-15 years the cost of housing will increase, money will depreciate, so that paying for an apartment will remain mere pennies. This is probably no more than thoughtful marketing ploy for financial enslavement. We talked about the conditions in more detail in the last issue.
Let's analyze what is happening in reality using the example of the latter 10 years. Real estate price on average in Russia remains at the same level or has decreased.
The reasons for this are:
- low purchasing power;
- increased competition in the construction industry;
- increase in consumer prices.
As a result middle social class can no longer afford to buy a home even with the help of loan products.
Take, for example, the state of the housing market in the Irkutsk region. As of 2000, the cost of a one-room apartment in a new building with an area of 45-60 sq. m. was about 2,500,000 rubles. Today developers offer the same apartments for 1 500 000 rub, offering discounts 150,000 - 200,000 rubles. for the "Bring a friend" promotion.
At the same time, salaries in Russia remain approximately the same as 7-8 years ago. Income 15,000 - 20,000 rubles. monthly is considered the norm. Only wages in Moscow have a high standard. Even in St. Petersburg, the salary is 30,000 rubles. for a specialist with higher education - this is the standard .
Outcome: having received a mortgage, it may be necessary through 10 years also pay off a salary of 20-30 thousand rubles. monthly, despite the fact that the rise in prices for products and utilities happens with an enviable frequency. Moreover, inflation rate officially remains within the normal range.
Given the massive layoffs due to economic crises occurring regularly every 2-3 years, you can imagine your life for the next two to three decades ahead.
What to do and how to change this situation?
- At first, you need to understand that buying an apartment in Moscow, St. Petersburg or another large city Russia just like that won't happen ... This will require some effort.
- Secondly, you will have to leave the "comfort zone" for a while. Each has its own: accommodation in Khrushchev, 20 sq. m. area, payment of monthly rent in 10-15 thousand rubles, cohabitation with parents, etc.
- Thirdly, it is necessary to come up with new ways of earning money that will allow you to make quick savings and raise your material level.
The methods described below will help to earn money for an apartment for a year or two.
Method 1. Create passive income on the Internet
Until recently, this method was a utopia and remains so in the minds of the majority of Russians. But the goal is not to adapt to all-Russian stereotypes, but to create our own working model of online business.
Western analysts recommend that if you are not satisfied with the level of income, you should look around and think about what else you could do. Perhaps that even hobby will bring more income than the main income in the specialty. In this regard, the Internet provides unlimited opportunities for development and earnings. Read about in a separate article.
For example, take a look at copywriting exchanges if you have writing talent or the ability to organize a team of authors. You can do this work in your free time or on weekends, fueling up for the purchase of housing.
Method number 1. Bank deposits
Bank deposits are the most demanded and in a simple way increase in savings. Investments can be made today very quickly and even without contacting the bank, if you are a client of this bank.
For example, you have salary card... In the mode online or in mobile bank funds are credited to a special account with interest rate within minutes. Visit the specialists in the department credit institution not required . Accrued interest is from 0.01 before 18 % depending on the amount transferred to the deposit and the period of their storage in the bank.
Exists cumulative, or refillable deposits, the amount of funds on which you can increase, or non-refillable - with an increased percentage, but sanctions for early withdrawal... If the money is in accounts for 1-3 years or more in order to accumulate for housing, then it is better to choose last option, receipts from such programs are much more profitable.
You can invest as in Russian and foreign currency ... Percentage of foreign banknotes less, but investments are protected from rate jumps. It is especially important to consider this when buying real estate abroad.
Method number 2. Investment in a non-state pension fund (NPF)
The scheme for making a profit is approximately the same as when opening a deposit. You can get from the funds per year 8 -10 % of income.
Method number 3. Mutual investment fund (UIF)
Mutual funds are the most profitable form of increasing savings. Differs in stability and reliability. It has increased rate – 30 -60 % annually, which gives advantage compared to banking products.
Method number 4. Forex Exchange
Good results can be achieved by accumulating funds for PAMM accounts... You can earn monthly on this scheme from 4 to 5% from the amount of savings. However, this method has high risks. Big earnings can turn into a complete loss of savings.
In one of the articles of our magazine, you can read a novice trader.
Method number 5. Renting out your own property
If there are plans to expand the area of housing, for example, from a 2 to 3 room apartment in connection with the birth of a child, then, as an option, you can move for a while to your parents or rent an economy option, and your apartment to rent at a good price.
Method number 6. Rent out your car
If you own a car, but you rarely use it, then you can rent it out to a taxi service... Income of 10,000 - 15,000 rubles. monthly will be useful.
If you have funds in the region of 500,000 rubles. and higher, it is recommended to use several ways.
For example:
- RUB 300,000 can be left on bank deposit, having received at the end of the year 330,000 rubles.
- RUB 200,000 to distribute between mutual funds in half at 15% and 20%.
In total, at the end of the year, the accounts will amount to 115,000 and 120,000 rubles. respectively.
So for a year the accumulation will increase from 500,000 rubles. up to 565,000 rubles.
Is it possible for an ordinary family to save money for a coveted apartment with a small salary and how to do it - tips and advice
4. How to save money for an apartment with a salary of 20,000 - 30,000 rubles per month 💡
In order to determine the scheme of accumulation of funds with the average salary in Russia, it is necessary to decide where the desired housing should be located: in Moscow / St. Petersburg (St. Petersburg) or in the region. The two cases will be very different due to the difference in pricing.
For example, let's take a one-room apartment with an average area of 40-50 sq.m.
1) Housing in the region
One-room apartment in the region will cost an average of 2.1 million rubles. The salary is 30,000 rubles a month, but it is impossible to leave all of it for savings, since the costs of renting real estate are required, there are costs for food and a car.
Since your own transport is quite expensive, it is better to use it first. sell leaving money for an apartment.
Housing rent in the regions is about 14 thousand rubles. Meals for one person will cost 8-9 thousand rubles. In total, 7 thousand rubles remain monthly.
How much will you have to save to buy an apartment: 2,100,000 / 7 = 300 months, that is, total 25 years.
If you live as a family and both work, then the prospect is brighter. This will take about 70 months, that is 6 years. However, in practice, one circumstance arises, when a couple is formed, then a one-room apartment is not enough for it.
2) Apartment in Moscow
In the capital to live on a salary of 20,000 - 30,000 rubles. almost impossible, what can we say about the accumulation of funds for their own housing, especially with Moscow prices.
On average, according to statistics, income from employment is 70 000 rub. It is possible to earn good money in the capital, most importantly, to have a desire and assertiveness.
If you have a good education and skills, it is worth considering how to change your place of employment to a more profitable one. We'll have to for a while step out of your comfort zone, but the result will be worth it.
Since to save up for an apartment while earning 20-30 thousand rubles. possible only for a few dozens years, then it makes no sense to give a calculation.
Is it realistic to get a mortgage with such an income?
Let's turn to the calculator of Sberbank of Russia. We enter the cost of housing at 5 million rubles. with an income of 30,000 rubles. The system indicates that with such earnings, you can only get 2 million rubles. loan, despite the fact that an initial payment of 1 million rubles will be provided. The repayment period will be 15 years, and the overpayment will be equal to 2,168,000 rubles.
Summarize. With a salary of 20,000 - 30,000 rubles. buy an apartment in Moscow, even on a mortgage is impossible.
Alternatively, you can consider buying an apartment in the suburbs... Now there are many under construction residential complexes with express transport links to the capital. Or consider moving to a region with low prices to apartments.
By the way, you can buy an apartment at a relatively low price in a new building at the excavation stage. But here it is important to assess all the risks that it carries.
You can also try to change jobs or look for offers in Moscow with higher wages.
How to make money for an apartment in 3 years from scratch in a large metropolis (Moscow, St. Petersburg)
5. How to make money on an apartment in Moscow in 3 years - a clear example with calculations 📊
As an example, a scheme of savings for real estate in the capital for a family renting an apartment for 30,000 rubles / month will be given.
1st year
Suppose that the family's monthly income is 110,000 rubles. about 1,320,000 annually. Of these, 360,000 are spent on renting an apartment, a total of 960,000 rubles. in year.
The apartment the family wants to buy is worth 7 500 000 rub. Taking into account a possible increase in prices, expenses for repairs and registration - 9,000,000 rubles.
After analyzing the costs, it turned out that it is possible to save 720,000 rubles a year. It was also decided to move to the parents' place for 2 years, the savings were 360,000 rubles a year. Total for the first year was postponed RUB 1,080,000
2nd year
The family has additional income:
- The wife started blogging and took up copywriting ( writing articles)... In total, she manages to earn extra money 15 000 rub.
- The husband mastered programming and began to receive 15 000 rub. monthly through freelancing.
Thus, the income increased to 140,000 rubles, and in annual terms - 1,680,000 rubles. Of these, will go to savings RUB 1,320,000
The money saved for the first year in the amount of 1,080,000 was decided to be divided into parts and invested:
- RUB 500,000 put at 12% in a reliable bank. For a year, a percentage ran up on them and it turned out 560 000 rub.
- The amount of 300,000 rubles. was invested in a mutual fund with a 15% rate. At the end of the year, it turned out 345 000 rub.
- The balance is 280,000 rubles. was transferred to another unit investment fund at 23% per year. Back was received 345 000 rub.
Total due to investments the amount of 1,080,000 rubles. managed to increase up to 1,250,000 rubles.
Earned funds for the second year 1,320,000 rubles. added to the earned and accumulated in the end will give RUB 2,570,000 This money will be enough to buy housing in the region.
3rd year
For example, at work they were given an increase in the amount of 5,000 rubles. monthly, and the spouse's earnings from copywriting increased by the same amount. Per month total income amounted to 150,000 rubles. From your parents you move back to a rented apartment at the same price and earlier - 30,000 rubles. per month.
Since a year now there are expenses in the amount of 600,000 rubles. The savings will be total RUB 1,200,000
Savings are now distributed as follows:
- 1 million rubles at 10% per annum in a bank, which will turn into 1 100 000 rub.
- RUB 400,000 invested in mutual funds at 15%, and in the end it turns out 460 000 rub.
- RUB 600,000 will remain in custody in the third mutual fund with 10% income. As a result, it will turn out to pick up 660 000 rub.
- Another 570,000 rubles. will be transferred to Forex traders at 15% rate per year. The total amount of funds will increase to 656 000 rub.
So, according to the results of the third year, the capital will increase to 2 876 000 rub. + capital in the amount 1 200 000 rub. for the third year of accumulation. Now total amount RUB 4,076,000 enough to buy an apartment in a remote area of Moscow or for a good 2 or even 3-room housing in the region.
Savings table for an apartment in Moscow for 3 years:
| 1 th year | 2 th year | 3 th year |
| RUB 1,320,000 | RUB 2,570,000 | RUB 4,076,000 |
To achieve the result of 9 million rubles, you need to follow the same scheme. General term will be approximately 6,5 years before buying your own capital property.
How to save a large amount of money when buying an apartment - advice from leading lawyers
6. How to save up to 150,000 rubles on buying an apartment 📎
For support of a real estate transaction, metropolitan agencies charge a fee of about 150 000 before 250 000 rub. from the object, that is, approximately 1,5-2% from its value.
Leading lawyers advise to differentiate concepts real estate services and legal support... The first ones mainly boil down to the selection of offers or the search for buyers. This procedure is carried out as standard- through message boards.
Note! A small number of professional realtors have their own base, and it is notable for instability due to changes in consumer demand.
It is believed that agencies can pick up exclusive offers from own base, but in practice they are limited at best to one or two apartments, information about which is not published in open sources. It is not a fact that these options will suit the specific requirements of a certain buyer in terms of the characteristics of the area, area, distance from the metro, cost, etc.
The agency's assessment is carried out on the basis of data available on the market. In the best case, the control of the discharge of those living in the purchased housing is carried out, and their deregistration is carried out.
If children lived in the apartment, permission is obtained from the guardianship and trusteeship authorities to remove the registration from the place of residence with mandatory settlement on other square meters with conditions that are not inferior to the previous ones or mostly better.
If these requirements are not met, or there are debts for utility bills, tax contributions, at best, what a realtor can advise is take a closer look at other offers, less problems in terms of design and possible consequences.
Acquisition of an apartment without a custody, or if the owners have children who are not registered at the place of residence of the parents, the transaction may be challenged in court due to non-compliance with the legal procedure for its registration and infringement of the rights of minors.
Legal support is distinguished by the completeness of the analysis not only of the information available on hand or obtained in the bodies of Rosreestr and house management, but also in forecasting legal implications that may be caused by the signing of the sales contract. By the way, we already wrote about this in one of our publications.
Lawyers specializing in real estate disputes can provide conditions for any negative consequences in the future.
The work of realtors for the most part boils down to presenting objects available on the market for the buyer, describing their characteristics. Anyone can do this on their own. , especially since all the information is freely available, and viewing of apartments and their selection in most cases is carried out only with the presence of the buyer. Search technologies are automated and do not change over time.
There is a category of realtors who have the skills to check the legal data on housing and have a specialized legal education. But there are only a few , and the cost of their services is often overpriced. They are trusted not only to search for interesting offers, but also to provide legal support for the purchase and sale.
The role of realtors is to reserve housing by concluding an advance agreement. In practice, such agreements often contain many Not only legal, but also grammatical errors ... Probably, many of them are printed from the Internet without even making the appropriate changes.
The task of a lawyer is to protect the interests of the client, while realtors strive to get a quick material benefit... This is supported by the fact that the advance payment agreement is concluded at the stage of inspection of the apartment. before checks legal purity housing documents.
Refunds are made in favor of the buyer only if there is a fault on the part of the real estate agency. If the transaction cannot be completed for objective reasons, for example , the presence of an arrest, the introduction of housing as collateral for loan obligations, and more, the realtor is not responsible for this ... Everything that he has to do under such an agreement is considered fulfilled.
Thus, overpaying for real estate services, the buyer does not receive guarantees of the legal purity of the transaction... Absent proper level safety and predictability of such legal action.
The help of a lawyer can be bypassed at about 2 -2,5 times cheaper than the cost of real estate services, while the level of protection of the buyer much better... Much also depends on the length of service and professional skills of the lawyer.
7. Conclusion + related video 🎥
In this material, options were presented for the rapid accumulation of funds for the purchase of housing in Moscow or St. Petersburg or the regions. We hope that this information will help you to acquire the cherished square meters without mortgage or credit bondage. And remember correct financial planning , - the basis for a prosperous future in any area of relations.
Dear readers of the magazine "RichPro.ru", if you have any thoughts on the topic of publication or experience of earning and saving for an apartment, leave your comments and feedback to the article. Thanks in advance!
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