Do you need to buy an apartment?

Anna Moiseeva, Sergey Tikhonenko, "How to buy an apartment is profitable: Spend a minimum - get the maximum" - M .: Alpina Publisher , 2014

There are people who have been dreaming of a new apartment for years. After all, this is not only a concrete box with partitions. When buying housing, we satisfy deeper, more basic needs than the need for walls, floor and ceiling. But everyone understands that buying an apartment is a difficult and risky business. Where to find the one that is most acceptable in terms of budget and circumstances? How to get from the seller the most favorable conditions? How much time, effort and nerves will have to spend on the purchase? Some buy an apartment in a month, others suffer for half a year, choosing all the new inappropriate options, getting rejections from the bank, losing paid advances, etc. You have a chance to avoid these sufferings! The book gives comprehensive recommendations on all stages of buying an apartment in a house of any type (from new building to demolition) - from the search for the object to the registration of property rights.

Do you need an apartment at all? Is it necessary all these sacrifices, work from morning till night, saving on new shoes for the sake of panel odnushki in the settlements?

Let's count.

Option 1. You do not have the opportunity to buy an apartment at once, and you need to choose: rent or mortgage? Suppose you have money for the minimum initial installment on a mortgage (10%) and you can pay 40,000 rubles. per month. With such a loan, you can afford: buy a room in Lyublino (13% per annum for 10 years), or a room at Kolomenskaya (14% for 20 years), or a room at Begovaya (14% for 30 years). Spending your initial installment on a new car and letting the same 40,000 rubles. per month for rental housing, you get another alternative: odnushka on Baumanskaya, or one-bedroom apartment on Dmitrovskaya, or a three-room apartment in Lyublino (prices are at the time of writing the book - September 2013) ...

Do you still want to buy an apartment?

Option 2. You have where to live and have free money. Then the choice is this: buy an apartment and rent it out for a ridiculous 4–5% per annum or invest this money in something more profitable.

Bank deposit at 10–12% per annum, mutual funds (mutual funds), precious metals, your business, etc. What is more profitable?

In fact, all these arguments and juggling with numbers are very fond of people who do not have the opportunity to buy an apartment. Such a passage is especially popular: for the cost of the Moscow Khrushchev can buy a luxurious mansion on the Pacific coast and lie in a hammock under a palm tree from morning to night!

But when the opportunity to buy your home appears, all the old arguments instantly go somewhere. And there is only a desire: “I want to!” Uncaused, illogical, just want, that's all. Because the apartment is not only a concrete box with partitions. Buying housing, people satisfy their much deeper, basic needs than the need for walls, floor and ceiling.

Your home is:

• Freedom. The ability to live as you want and not depend on others.
• Stability, confidence in the future.
• A new stage, a new level in life, a sign of growing up and independence.
• Achievement, a sense of self-toughness and success.
• The pledge of a strong family (confirmed by statistics: families with their housing are divorced less often. A joint mortgage holds families even better than joint children).
• Reliable source of passive income.
• Securing the future for children.
• With the right approach, it’s still a very profitable investment.

Is the above objective reality or illusion? I think 50 to 50. Removable housing and the lack of credit give no less freedom, just another. The apartment does not help save love. Growing up and becoming successful is possible without real estate. And so on.

How to understand if you really need your own apartment or is this purchase imposed on you from outside (relatives, spouse, public opinion)?

We offer a small test.

Read the following statements and check those you agree with:

1. Do you have or are planning to have children.

2. You have available at least 30% of the value of the potential apartment.

3. If you plan to take a loan, it will be feasible for you (no more than 30% of monthly income).

4. You can not stand to move, and you are satisfied with the prospect of living ten years in one place.

5. You do not like the housing in which you live now.

6. You are not a perfectionist and are willing to put up with the significant shortcomings of future housing. (Only a billionaire can afford perfect housing.)

7. You agree that the housing has all (or almost all) of the benefits listed above.

8. You studied the financial calculations at the beginning of this section and on the move found many counterarguments.

9. You really appreciate the comfort and have already planned out in detail the interior of your future apartment.

10. You really want to buy an apartment!

If you answered “yes” to less than six questions, you may not really need your own apartment. Shoot cheaper, and more interesting! Adventures and the unknown ... But if among your answers "yes" predominate, discard doubts and buy! Your own apartment is an incomparable positive emotion! True true.

“Recently, British scientists made another sensational discovery. It turns out that buying a property is harmful to health. According to them, buying or selling an apartment is so much stress for the body that a person ages from it - an average of two years after one transaction. And both externally and on their own feelings. Some of the symptoms of a deal are hair loss, memory lapses, and decreased sex drive. ” (Source: Newsland.ru)

I (Anna) think that it’s not a matter of stress (is there little stress in our life?). Just buying a home is an important stage in a person’s life, like, say, marriage or having children. From the series “settle down”. Making an important decision, responsibility, care are not young, of course.

The mother of three children feels older than the childless peer. A married man, as a rule, looks older than the unmarried one, etc. And with the apartment. Care about the loan and the new curtains, of course, forced to grow up, but there’s nothing wrong with growing up. The main thing is to do it on time (see test above) and not to dwell on difficulties.