The question of choosing ways to purchase one's own living space is perpetual, and it is unlikely that there will ever be an unambiguous answer to it. How to save up for an apartment? - we will try to find the answer to this question.
Can I save up for an apartment?
The most common proposal to date in the issue of saving savings are deposits, the average percentage of income for which is 10% per annum. Suppose you are a family that can afford to postpone monthly 50 thousand rubles. For five to seven years you will accumulate, taking into account interest on the deposit, about five million rubles, which at the moment corresponds to the price of a two-room apartment in the Moscow region. Whether it will be the same in value in these very five or seven years is difficult to say, because the market is constantly changing, and most likely you will always be late for prices, and the question "How to save up for an apartment?" Will remain for you unresolved. If it's not about Moscow and its suburbs, then maybe you'll buy a decent apartment, but if you are not a resident of Moscow or another big city, then most likely you will not be able to afford monthly deductions of fifty thousand rubles. However, with this approach to savings, at least, the question of how to save for repairing an apartment or for a down payment on a mortgage will be exactly solved. Now let's talk about it.
Is the devil as terrible as he is painted?
Imagine that the question of how to save money for an apartment, you would ask in 2004, and someone would advise you on the scheme of savings, which we cited above. What would become of your money? And now imagine that you would have taken a mortgage in the same year of 2004. Now you would pay off the loan and have an apartment in the property that has grown in price several times. This is an example from life. In addition, answer yourself honestly, for you to really save up for an apartment yourself? Do you realize what self-discipline is needed for this? After all, it's one thing when you have obligations to the bank to make a certain amount every month, and another - when nobody but you controls your actions and does not force you to give your money.
In the end, what do you risk when taking an apartment in a mortgage? Even if you in one unfortunate moment realize that you can not pay off debts, the apartment can be sold. You will do it without problems, if prior to this conscientiously made monthly payments. Part of the proceeds is given to the bank in the account of the remaining debt, and put some on the same deposit. In the worst case, you will return to the original point where you are now, thinking about how to save money for an apartment, at the best - create yourself a deposit pledge under a financial pillow, and even stay with
Whichever way of acquiring your own living space does not seem more convincing to you, you still have to start with the accumulation - even the first payment for a mortgage. And this is definitely a matter of several months, and even a couple of years. Do not look for ways to quickly save up for an apartment. They are not here.
Remember the ways of educating yourself in the financial discipline, which you will definitely need in such a difficult business. The main tips are as follows: when earning a profit, first of all put aside the funded part, and then make the necessary payments of the current vital activity; Do not look for sales and various offers at discounts - they force you to buy what in their absence you would not have bought at all; Do not tell anyone that you save money - the people around you, especially close relatives, will find a lot of ways to get you to spend them on something useful for yourself.