It doesn’t matter whether you are married or not, but by the age of 30, any woman wants to have her own nest. A place where you want to return, with an interior in which you put your taste, emotions, soul. A house where you know the history of each item, as well as all its stripes and scratches. Where everything is familiar and familiar. But what if there is no man’s shoulder nearby? It turns out that anything is possible! The author of Wday.ru was convinced of this from his own experience.
I am 31 years old and divorced. In addition to five years of marriage, I have two apartments and two renovations, respectively. I admit, leaving and sharing the second was more difficult than getting a divorce. She was exactly what I wanted. And most importantly, it just had the perfect kitchen.
Since after the divorce from the region I left for Moscow, the ideal apartment remained for my ex-spouse. For it, he paid me the part due and stayed to live in an ideal house. I again had to search, choose, purchase, design and a new word for me “mortgage”. But most importantly, it had to be done alone, without the help and support of a man.
How to choose
I’ll make a reservation, I bought housing under construction. It was more profitable in terms of finance, and the new house is much more pleasant than secondary housing. But by investing in construction, you are taking risks in any case. And to make it minimal, take a responsible attitude to the choice of your future apartment. So, on the websites of all major banks there is an accredited list of developers, location, number of storeys and year of commissioning of the object. These are the houses in the construction of which this bank invests its funds. This, of course, is not a complete guarantee that the high-rise will be completed on time, but at least some.
First, decide on a place. Please note that in cities larger and close to Moscow, prices will be much higher. The difference in kilometers can be no more than 10, but in money it is about a million. For example, a one-room apartment in a new building in Krasnogorsk, Dolgoprudny, Mytishchi and similar cities will cost about 3,9 million rubles, and a little further in the region – Lobnya, Skhodnya, Nakhabino, etc. – you can keep within 2,8 million.
Study the site of the object you like, calculate how you will get to work. And be sure to go to the object, look at it with your own eyes. Indeed, often the developer 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 of the station. Now electric trains run regularly, and don’t let them scare you.
By the way, going to a construction site alone is also not pleasant enough. Typically, sales offices are located in the middle of pits, shacks of workers and stray dogs. Yes, such residential complexes acquire the infrastructure after the houses are put into operation. So it’s better to get a company for such quests!
How to get a mortgage
Provided that you are normally employed (you have been working in one place for more than a year, you have an official salary), the bank approves the mortgage without any problems. Collecting documents is also not difficult, they are quite standard.
To begin with, you fill out a questionnaire at the bank. It contains all your data on the salary, the required amount that you want to borrow from the bank, and the object that you plan to buy.
After reviewing the application form and approving the loan, the bank will issue a list of required documents. Most of them are always with the developer.
How to calculate the loan amount
When joining a mortgage, keep in mind that even with a good course of construction, the house will be handed over to you on time in a rare case. In general, it is worthwhile to calculate well the amount that you will actually be given for the mortgage, taking into account also the rent of housing.
For example, if an apartment costs 2,5 million and you deposit half, then when calculating that you receive 50 thousand rubles a month and take a mortgage for 15 years, then the monthly payment is 16 thousand rubles. Accordingly, the less the invested amount, the greater the payment.
If you have only 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 a month.
By the way, many seek to take out a mortgage for a minimum period, they say, they would get even with it as soon as possible and forget. But it is more profitable to take out a loan for more years. Watch your hands: the more the number of years, the lower the payment. The smaller the payment, the more free money remains that can be postponed. Having saved up, this amount can be spent on early repayment of the mortgage. And this is beneficial, since in the first 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 debt. With these saved amounts, you can reduce just the main debt and, as a result, not overpay to the bank. And at the same time, you can also reduce the number of debt years or the amount of monthly payments, as you decide for yourself.
Set aside the amount in reserve: you will need about 15 thousand for insurance (until the object is handed over, after that the insurance will cost about 5 thousand rubles)
I waited a year for my keys. And this year was not easy. Of course, paying a mortgage together is easier. I had to turn on austerity. I postponed travel, stopped using some beauty treatments, cut down on dinners at cafes and shopping for clothes. Only the most necessary ones remained in the list of expenses.
After receiving the keys, I spent several months on repairs. By the way, it is better to put the approximate amount for repairs right away in the mortgage, that is, ask the bank a little more than you need, in case you have nowhere to wait for an unexpectedly large amount 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, travel and other pleasant spending still has to be postponed, because you still need to buy furniture and pay off debts for repairs … No, no, yes, and the thought of looking for more earnings will flicker, but with a mortgage it is more important that it is stable.