I am 31 years old and divorced.In addition to five years of marriage, I have two apartments of my own and two renovations, respectively. I admit, leaving and dividing the second one was harder than getting divorced. It was exactly the way I wanted it to be. And most importantly, it had a simply perfect kitchen. Since after the divorce I left the region for Moscow, the perfect apartment remained with my ex-husband. He paid me the due portion for it and stayed to live in the perfect house. I again had to search, choose, buy, register and a new word for me, "mortgage". But most importantly, I had to do it alone, without the help and support of a man.
A photo: Getty How to choose I'll talk, I bought a house under construction. It was more profitable for finances, and the new house is much more pleasant than secondary housing. But, investing in the construction, you in any case go to risk. And to make it minimal, take responsibility for choosing your future apartment. So, on the websites of all major banks there is an accredited list of developers, the location, number of storeys and the year the object is handed over. These are the houses in which the bank invests its own funds. This, of course, is not a complete guarantee that the high-rise will end on time, but at least some. First, decide on the place. Please note that in cities larger and closer to Moscow prices will be much higher. The difference in kilometers can be no more than 10, and in money it's about a million. For example, odnushka in a new building in Krasnogorsk, Dolgoprudniy, Mytishchi and similar cities will cost about 3.5 million rubles, and a little further into the region - Lobnya, Skhodnya, Nakhabino, etc. - an average of 2.5 million. object, calculate how you will get to work. And be sure to go to the site, look at it with your own eyes. After all, often the builder promises convenient transport accessibility, but in reality everything is not so rosy. If there is no car, then look for a construction site within walking distance from the station. Now the trains run regularly, and let them not frighten you. By the way, it's not enough to go to the construction site alone. Usually, sales offices are located in the middle of foundation pits, shacks of workers and stray dogs. Yes, the infrastructure of such residential complexes are acquired after the houses are put into operation. So it's better to get a company for such quests!
Be sure to go to the one you are interested inobjectPhoto: Getty How to take a mortgageIf you are normally employed (work more than one year in one place, you have an official salary), the mortgage approves the mortgage without problems. Collection of documents is also not difficult, they are quite standard. To begin, you fill out the questionnaire in the bank. They contain all your salary data, the amount you want to borrow from the bank, and the object that you plan to buy. After reviewing the questionnaire and approving the loan, the bank will issue a list of necessary documents. Most of them are always with the builder.
Photo:Getty How to calculate the loan amountWhen taking out a mortgage, keep in mind that even if the construction is going well, it is rare that your house will be delivered on time. In general, it is worth calculating the amount that you will actually have to pay for the mortgage, taking into account the rent. For example, if an apartment costs 2.5 million and you pay half, then if you calculate that you receive 50 thousand rubles per month and take out a mortgage for 15 years, then the monthly payment is 16 thousand rubles. Accordingly, the smaller the amount invested, the higher the payment. If you only have 20% of the required amount (this is the minimum down payment), then under the same conditions you will have to pay about 26 thousand rubles per month. By the way, many people try to take out a mortgage for the minimum term, they say, to pay it off quickly and forget about it. But it is more profitable to take out a loan for a longer number of years. Watch your hands: the longer the number of years, the smaller the payment. The smaller the payment, the more free money you have that you can put aside. Once you have saved up, you can use this amount to pay off the mortgage early. And this is beneficial, since in the first few years, most of your monthly payment goes to the bank to pay off interest and only a small part goes to pay off the principal. With these saved amounts, you can reduce the principal debt and ultimately not overpay the bank. And at the same time, you can reduce the number of years of debt or the amount of the monthly payment, as you decide. Put some money aside for later: you will need about 15 thousand for insurance (until the property is completed, after which the insurance will cost about 5 thousand rubles). I waited a year for my keys. And this year was not easy. Of course, it is easier to pay the mortgage together. But I had to go into strict savings mode. I postponed traveling, stopped using some cosmetic procedures, cut down on lunches in cafes and clothing purchases. Only the most necessary items remained on the list of expenses. After receiving the keys, I spent several more months on repairs. By the way, it is better to immediately put the approximate amount for repairs into the mortgage, that is, ask the bank for a little more than you need, in case you have nowhere to expect an unexpectedly large sum by the end of construction. Now, already having my own apartment in the Moscow region and looking back, I can say that all this is real. True, you still have to wait with traveling and other pleasant expenses, because you still need to buy furniture and pay off debts for repairs ... Every now and then the thought of finding a bigger income flashes, but with a mortgage, it is still more important that it is stable.
