Greetings, dear friends! I have great news for you - to have your own home! Yes, yes, you heard right. In our country, buying an apartment through a mortgage is a large-scale event. Many people have to save money for its implementation almost all their lives. And for some, even this time is not enough to finally acquire personal property . In general, even if your salary allows you to take out a loan from a bank, then in any case you will need funds for the down payment, and therefore, one way or another, you will have to rack your brains about where to get the money. I suggest you don’t fool yourself and don’t put off buying a home, but together with me figure out how to save up for an apartment and start moving in the direction of your dreams.

Learning to save money: how to improve your financial situation

Unfortunately, it will be very difficult for the average hard worker with a salary of 20,000 rubles a month to save for an apartment. That's why you need to think what can you do to earn extra money? to start saving for a down payment on your mortgage. It's easy to say, but difficult to do. Of course, many of you will now say that you have no idea where to start looking for part-time work, and have no idea where you can find additional sources of income. But these are just excuses.

What to do?

I advise you to first ask yourself the question “ What can I do?». Right now Take a piece of paper and write down on it all your knowledge, abilities and specific skills that you have acquired throughout your life. Now look through the resulting list and ask yourself the second question - “ Which one do I do best?" Any skill you have in a particular subject area is your advantage in the labor market.

And finally, the last question to ask when looking at the list. " Which of these can bring me the most income?" Here I recommend that you mark a couple of options. Now feel free to choose the point that you like most, to which your soul lies, and begin to actively work in a given direction. You desperately need money. You can get them in various ways, among which:

What should you never do?

Now figure out for yourself which things will become a real taboo for you throughout the entire period of savings. Now we will talk about investments and purchases. So:

Count your money

Since we all know from childhood that money loves account, obviously, the better we count them, the more of them we will have.

Debit

Order for yourself income card. I previously did a review. Read it, it is quite possible that you will like some kind of plastic. This way you will make money work for you and your dream.

Opening a deposit

Open a deposit with interest capitalization. This will allow your money not to gather dust on the shelf, but to bring you a small passive income and help save money for an apartment as soon as possible.

Phone assistant

Housing and communal services

Install water meters and start saving on utility bills.
If you have a three-phase electricity meter, switch some household chores to night mode. For example, start washing at night, cook in a slow cooker at night.

Attitude towards loans

In the very near future pay off all your debts, if any, and don't borrow money in future.

But before you go into saving mode, I implore you: start earning more. Only in this case, within a year you will have the amount necessary for the first mortgage payment. And the experience gained will prepare you for the loan, morally and materially. I advise you to start looking for an apartment about 2-3 months before your bank account The amount required for the purchase will appear. Thus, the problem of how to profitably take out a loan will automatically disappear, and you won’t have to waste precious time.

Strategies for saving money

Because without down payment Applying for a mortgage loan is not very easy, you need to take care of solving the most pressing problem - how to save this amount in the shortest possible time? I’ll tell you right away that money for a down payment on a mortgage is not at all the same as saving for a “gray day”. After all, you need to have a specific amount by the specified deadline. I suggest you use workers accumulation strategies.

Shlomo Benartzi's principle

Studying the mistakes of economic planning, the famous economist Shlomo Benartzi created a standard behavior pattern for people who are puzzling over how to get a mortgage. His research showed that approximately two-thirds of Europeans have never engaged in long-term savings, and therefore are completely unable to predict their spending.

Simply put, people are not used to cutting their expenses and deny yourself the usual things. Fear of limitation prevents them from procrastinating. To solve this problem, Shlomo suggests saving according to the “ more tomorrow" Her idea is to gradually increase investment. That is, at first you save 3% of your monthly income, gradually increasing the share of savings. The period through which the savings portion will increase depends only on you and the goal you are pursuing.

I’ll say right away that if you are deciding how to save up for your own apartment in Moscow, being a specialist with a salary of 30,000 rubles, you need huge deadlines. Since we need the amount for the down payment mortgage loan, we can increase the savings percentage by 1 percent in each new month. Although it is more profitable to take 5% step, which will be done every 3 months.

Of course, you won’t be able to increase your share indefinitely. Gradually you will come to the maximum that will be optimal for your savings and comfortable for you. It’s clear that no one has canceled current living expenses, but in in this case It is important for us to learn to follow this principle. Benartzi himself is convinced that it is much more far-sighted to save money on a residual basis. In addition, if your income suddenly increases (your salary increases, for example), it makes sense to transfer the difference between the new and old salary or bonus into savings.

Fraction method 50/20/30

This accumulation option is much faster than the previous one and more widespread. The method is based on rationalizing the division of income. Since it is extremely difficult to control income divided into many parts, it is necessary to divide the salary into only 3 categories:

50% - This amount for mandatory expenses, which include utility bills, rent, groceries, tuition, insurance, medicine, internet and communications
30-35% - these are savings that will later become the down payment on a mortgage loan
15-20% - these are trips to cafes, restaurants, shopping and entertainment

Aim to follow this methodology and divide your income in this ratio. Remember that the most important figure in this formula is future savings. However, this does not mean at all that you need to forget about current expenses, save on yourself and thereby lose motivation, periodically breaking down and spending what you have saved on going to cafes and shopping.

Special government and banking programs

Benefits for young families

Social mortgage for newlyweds. Provided to families in which each member is under 35 years of age. Thanks to this government program you can get mortgage subsidy. The amount of this assistance is calculated based on the number of members in your family.

If your young family is recognized as in need of improved housing conditions, you will need to collect a special package of documents and register with the city administration. I advise you not to rush into this matter, but first find out how actively this program is developing in your region of residence, and how many families have already received compensation for the purchase of housing.

Maternal capital

A family in which a second (or third, or fourth, or...) child was born can take advantage of maternal capital to pay the down payment on a mortgage loan.

Applying for a loan without paying a down payment

You can receive such a loan if you can provide the housing you already own as collateral. However, be prepared for the fact that the rate on such a mortgage will be slightly higher than the average.

Alternative deals

To speed up the home buying process, use the proceeds from the sale of assets as a down payment. A striking example alternative deal You can consider selling the apartment you already have and buying another one to replace it. Alternatively, you can take out a mortgage to share an apartment with your good friend or relative. When the loan is repaid, you will sell the apartment, divide the money, and use the profit as a down payment on the mortgage on your own home. The only caveat you need to know is that the assets must be sold 2-3 months before the loan is issued. This is exactly the period the bank needs to approve a loan application.

Some numbers

Let's calculate how quickly we will be able to pay off the mortgage loan if we buy an apartment that costs 3 million rubles. Those of you who read my article “” can skip this point because you are already familiar with these calculations.

So, I propose to immediately break down borrowers into three categories:

those who have a small income and who do not have any savings
those who have saved some of their funds and are trying to pay off their mortgage loan as quickly as possible
intermediate option

Let me remind you that banks calculate monthly fees on a mortgage and fix them until the end of the lending period. This is why you will know how much money you will need to pay to the bank every month.

Thus, it turns out that if you tighten your belts, use all the above tips for saving and increasing your monthly income, then literally in 10 years You can become the full owner of your own home. Well, if we add here the possibility of applying for a tax refund from the purchased apartment using a mortgage, then it will be possible to pay off the loan even in 7-8 years. I won’t talk now about how tax interest is refunded, since you can find all the information you are interested in in my separate review, which I will devote specifically to this issue.

Possible risks and ways to solve them

Before taking out a mortgage for an apartment, you need to assess all possible risks associated with savings. I suggest you consider the most common and together with me, figure out how their impact on the final result can be reduced.

Loss of concentration on the end goal

You must be prepared for the fact that quite impressive sums will be taken out of your family’s usual budget. extremely difficult and painful. As soon as your initial enthusiasm subsides, and the accumulated amount is equal to several monthly family incomes, you will be faced with an incredible number of temptations to use it not for its primary purpose or even give up saving for some time in order to solve some current problems.

To avoid this scenario, before you start saving for a mortgage make a reserve for all kinds of unforeseen expenses, the amount of which is equal to 3-6 monthly expenses of the family. In this way, you will protect yourself from the desire to “get into” mortgage money if something really happens that will require you to spend urgently, beyond your budget. In addition, knowing that you have such an unpleasant habit of spending money for no reason or without reason, make a small reserve of money for yourself that can be spent on pampering and treating a bad mood.

Failed Investments

Since investment money is in a state of free play, we are constantly at risk of losing some of it. This principle is completely inappropriate when it comes to mortgage money. These savings must be reliably protected and ready for use within the specified period. Otherwise, your dream of owning your own home will again be shelved.

Do not try to increase the money set aside for a down payment on a mortgage loan by investing it in securities, mutual fund shares and derivatives. Remember that money should be stored in such a way that there is no not the slightest possibility reducing their number.

Bad timing

This point is in many ways similar to the previous one. However, in this case we will be talking about storing mortgage money V foreign currency . Agree, an unsuccessful purchase of currency is a sure way to delay the application for a mortgage loan. The same applies to reliable investments such as the acquisition of bond mutual funds or any funds for money market. In principle, this decision is quite reasonable, but we must remember that in a crisis the price of these assets may fall seriously.

This problem can be solved as follows. The closer your savings deadline gets, the less money you have investment portfolio there should be “almost safe” investments like currencies and bonds. Try to cancel them 3-6 months before making your first loan payment. By the way, this should also include the choice of the bank in which your capital will be stored. Choose most reliable commercial Bank , do not chase high interest rates. As a rule, the most profitable organizations collapse at extremely inopportune moments.

Loss of income

If you chase a little more income, while guaranteeing the preservation of the main body of capital, a banal loss of all the interest you have accrued may occur. For example, most investment companies offer their clients complex products, guaranteeing them a return on their investment and offering them the opportunity to earn more income than in a bank. In this case, the risk associated with a possible loss of several percent per annum turns out to be completely unjustified if the shelf life of your capital is strictly limited.

I strongly recommend that you keep your mortgage money exclusively in reliable banks that provide the opportunity to top up long-term deposit, even if they don't offer the best high stakes on deposits. Try plan the terms of the deposit as accurately as possible so that you don't have to lose interest when early withdrawal funds.

Criminal impact

It is unlikely that I will surprise anyone if I say that several hundred thousand, and even more so millions, of rubles are an enviable target for all kinds of scammers and swindlers. That is why it is necessary to think in advance about implementing an “anti-criminal” plan.

Try not to talk about the fact that you are saving money for an apartment. Limit the circle of those initiated into your financial plans even among close people. You understand that even those who do not wish you harm may inadvertently spill the beans about your plans and successes. This is especially important for those whose usual social circle is completely unaccustomed to such amounts of savings. Unfortunately, money often causes envy and increased attention from strangers. Entrust your capital to the bank, refuse to link the account to yours plastic cards, mobile phone and Internet banking. And if tied, keep cards and access at home, with maximum isolation from the outside world.

Lost profit

Some banks provide special conditions for those clients who are saving money for a mortgage loan. Now I'm talking about special mortgage deposits with various bonuses. I must admit that non-interest bonuses are often much more profitable than higher ones interest rates in other banks.

I advise you to study all available bank offers for mortgage deposits. Special attention give addition to annual interest . As a bonus, you may be offered a discount on your mortgage or free rental of a safe after the deposit expires, as well as much more.

And finally, a couple of tips that will help you realize your dream of owning your own home in the very near future:

Don’t try to buy an apartment on your own, save with like-minded people

Be that as it may, saving the amount necessary to purchase a home on your own is an extremely difficult task. Just think about it: you will need to live somewhere, pay for utilities and food. To make your task easier, write on a piece of paper a list of relatives and friends to whom you you trust completely. Choose among them those who find themselves in the same situation as you and have identical housing issue. Invite them to save for an apartment together with you, setting aside equal shares for the property.

If you divide all payments equally, you can significantly reduce the term of your mortgage loan and live with your partner in a rented apartment. The only difference is that you will pay for your property. As soon as half of the loan is paid, the apartment can be sold and the remaining debt can be repaid using the proceeds. The remaining difference can be divided equally and used as a down payment on a mortgage loan for your own apartment.

If you apply, you need to comply

Unfortunately, nothing just falls on your head. To achieve the desired results, you need to work hard, develop and improve yourself. You must understand that any experience and knowledge can subsequently be monetized. A person who does nothing but whine about his salary of 30,000 rubles, of which he has to pay 20,000 monthly for a rented apartment, will never become successful. You need to learn new professions, try to make money in other types of activities, or improve your own qualifications in order to move up the career ladder and earn a higher salary. Get in the habit of saving money at the same time. invest them (at least in bank deposit), make it work for you. If you don’t like such changes and are not ready for them, then all you can do is continue to make ends meet, live in rented apartments and make large purchases exclusively on credit.

Conclusion

Our savings lesson has now come to its logical conclusion. I really hope that you will be able to put the acquired knowledge into practice and realize your dream of buying your own home. Share your mortgage experience in the comments, tell us how you saved for an apartment, what difficulties arose, and how you dealt with them. Well, that’s all, dear friends, see you soon!

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The housing issue has always been one of the most pressing for the population. In the absence of a fairly large sum to buy an apartment, many decide to save up this amount. However, most people do not know how to save up for an apartment in such a way that the purchase is successful and not too expensive. Success depends on many factors, so it is worth approaching this issue in a multi-faceted and responsible manner.

It is worth noting the two most important conditions that are required for successful accumulation of money:

1) Availability of a stable monthly income sufficient for living;
2) The ability to save money without denying yourself the basic needs of life.

Various options to save up

One of the options for saving money for an apartment is simply saving from your monthly salary. But this option is only suitable for a fairly impressive salary, otherwise there will not be enough money for normal living, not to mention a mortgage.

When answering a similar question, financial advisors usually ask whether a person has real estate or property that is not needed and from the sale of which money can be saved. If the money is not enough for the full purchase, then it can be used as a down payment for a mortgage. If you put things or real estate for sale at least 10% below them market value, then in the end you can earn quite a good amount of money, which will be useful as the main contribution to the purchase of an apartment.

If there is nothing to sell, another option is not to keep all your savings at home, but to deposit them in a bank account at interest. If you invest 15-20 thousand a month, then in 5-6 years the amount, taking into account interest, should be enough to buy a home. However, it is worth remembering: taking into account possible crises and changes in rates, the estimated cost of housing at the time of accumulation may change. Therefore, it is better to take out a mortgage or loan, accumulating money along the way.

Tools to help you save money

Based on guaranteed profit, all financial instruments for savings can be divided into 4 groups.

First group- agreement endowment insurance, which is concluded with the insurance company. It does not determine income in any way, but will serve as a guaranteed salvation from inflation or crisis.

Second group- This bank deposits, they can rightfully be called the most common method. The yield is usually from 12% per annum.

Third group - stock market, this instrument is quite risky, but can provide up to 30% per annum.

And finally, last group- This highly profitable investments, allowing you to receive up to 500% per annum if the outcome is successful. Investments are quite risky, so it is better not to use this method without special knowledge and experience in this area.

Having decided on the most suitable financial instrument, you need to think about how to save money correctly so that it does not harm your normal life.

When wondering how to save money for an apartment, you should take into account a few simple tips. First of all, you need to keep records own income and expenses - this will help you understand which side of life is the most costly, and review your expenses in order to get more free money. It is also very important to analyze your expenses. To do this, they can be divided into 4 main groups:

Urgent and important (purchasing groceries, paying loans);
- important, but not urgent (savings, investing in yourself);
- urgent, but not important (minor repairs);
- not urgent and not important (entertainment, vacation).

All planned amounts and figures need to be reviewed periodically - there may be changes in apartment prices, unforeseen expenses that will require a slight reduction in the amount of money set aside.

Ideally, the bulk of the money should be spent on essentials, but you can save a little on entertainment or vacation to purchase an apartment. Accumulation is so big money will certainly require a change in financial habits, so by giving up some excesses, you can significantly speed up the process of collecting the financial savings necessary to purchase a home.

It will be useful to keep records of savings, recording when and how much money was invested. This will help you see the most profitable sources for accumulation in order to develop them and get even more profit on your desired purchase.

Psychological aspect related to finances

If you are interested in how to save up for an apartment quickly, then many psychologists talk about the effectiveness of the method of saving a lot of money per month. The forced and rapid result of accumulation is very practical, since it is easier for a person to endure a couple of years of active saving than to stretch out his own spending restrictions for decades. And having become the owner of a long-awaited apartment, you can begin to gradually transfer your expenses to its arrangement, which will be quite pleasant from the psychological side.

The second, no less important psychological aspect is that you should have real numbers before your eyes. Before you start saving money, you should carefully study the market situation, find out the cost of the desired apartment depending on its size, distance from the city center and other factors. Having outlined the required amount, it will be easier to save it, which has been proven by numerous studies.

All planned amounts and figures need to be reviewed periodically - there may be changes in apartment prices, unforeseen expenses that will require a slight reduction in the amount of money set aside. You can calculate how much more time it will take to achieve your desired goal. money supply at the current rate of accumulation, and, if necessary, adjust the amount of deposited amounts to speed up the process.

Saving for your own home is quite possible if you approach this moment responsibly and carefully. The main thing here is willpower in order to have the ability not to waste money on minor weaknesses, but to confidently go towards the intended goal. You just need to monitor the situation on the market and adjust your savings taking into account life circumstances, then the treasured real estate will soon become a reality.

The housing problem is very acute in Russia. There is a huge layer of adult children who live with their parents after 18. Some bring their wives to their parents’ house, while others, due to lack of housing, cannot build full-fledged relationships and their family. However, today this is a worldwide problem, except that in European countries, salaries at least allow you to easily rent housing that you cannot afford to buy.

In Russia, crazy housing prices combined with humiliating low salaries create a situation where rent studio apartment in the regional center it costs 20 thousand, and salaries for young people are offered no higher than 15-20 thousand. And how can I remove something here?

However, statistics are statistics, but you have to live somehow. Today the magazine's guest expert Reconomica will tell his story of how to buy his own home with a small salary. You can simply copy the given methods to move towards buying the coveted apartment.

My name is Alena. I am 24 years old. But mine work activity began at the age of 18, when, after graduating from school, I went to another city to get an education. Thanks to my mother, I grew up to be a purposeful person, and after graduating from school I firmly decided that I would earn money for such an expensive purchase as an apartment.

Percentage of young people living with their parents in European countries.

I saved up for my own one-room apartment in 7 years. By my example, I want to prove that owning your own home without loans is not a myth, but a realistically achievable goal.

In modern economic conditions, when life becomes more expensive every year, every penny counts, and it’s simply a pity to overpay the bank a fortune, the topic of my article will be very relevant.

Why you shouldn't get involved with a mortgage

Now in society there is an opinion that it is unrealistic to buy your own home with (or a little less), which is why mortgage lending has become so popular.

According to a sociological study by the Public Opinion Foundation for 2016, more than a quarter of Russians have a mortgage on their housing. And according to the Bureau credit histories, number of overdue payments this species lending in the same year increased by 20%.

Few people who take out a mortgage realize that they are overpaying the bank for two more apartments. Not everyone can bear the credit burden, as statistics confirm. In addition, despite advertising statements, in practice, every year banks tighten mortgage requirements: the size of the down payment, age, salary level, number of dependents, etc., this already says a lot.

Thus, it becomes more difficult to purchase your own home with a mortgage, and there is only one option left - to save up. There are, of course, other ways. Such as, loans from friends and family, etc. But I do not consider them, since their implementation is limited by many circumstances and cannot be relied on.

First experience, or how not to save money

In a non-native city, I found a job that could be combined with my school schedule. At that time, like most out-of-town students, I lived in a dormitory.

My wage at that time was 17,000 rubles. In addition, my income was supplemented by a scholarship in the amount of 2,500 rubles.

Determining monthly expenses

I roughly estimated my monthly expenses on a piece of paper, and this is what I came up with:

Dormitory fee – 450 rubles. My parents paid for it, but for the sake of honesty I will still take this figure into account in my calculations.
Food products, household chemicals and perfumes – 5,000 rubles. I won't say that I ate poorly. I had a full breakfast in the form of porridge with fruit, a meat lunch and dinner.
Public transport fare is about 2,000 per month.
Payment for Internet and bills mobile phone– 900 rubles per month.
Small household expenses for underwear, socks, tights, etc. – 500 rubles.
Other. This includes expenses for cinema, cafes and other unexpected expenses - 1,500 rubles.

My total expenses per month amounted to 10,350 rubles.

Based on the calculations received, it turns out that I could save about 9 thousand rubles per month.

At first, I decided that I would put this amount in an envelope, which will increase upon graduation from university, when I find a job in a specialty with more high salary. According to my calculations, it turned out that for a small one-room apartment costing about 29 thousand rubles per 1 sq. m. in a not very good area of the city (a very realistic price for provincial cities) I will save up in 9 years (taking into account the increase in income after graduating from university and without taking into account the rise in prices). This is a very long time and this method of accumulation was ineffective, since I did not take into account many points.

Predict your savings correctly!

Firstly, after 4 years, an accomplished bachelor will be forced to leave his dorm room, and then such an unpleasant expense item as renting an apartment will be added. Renting housing will not only increase the accumulation period, but will also lead to the fact that for such long term the amount will depreciate. In this case, the same mortgage will be more profitable. And saving money for such a long time in our country, given the sad experience of the 90s, is dangerous.

Secondly, the money lying in the envelope will not be able to bring additional income, and we lose the opportunity to increase our capital, but we need to use all potential resources.

Thirdly, when money is at home, there are always unreasonable reasons to spend it, and the money flows away unnoticed.

How to save money for an apartment correctly

The dream will become reality, all you need is discipline

To solve the problem, I studied the budget housing market (rooms in communal apartment, studio apartments), taken into account previous mistakes and developed a new strategy - as soon as I accumulate an amount sufficient to buy the most budget housing, I purchase my first inexpensive housing. And in the future you can improve living conditions, accumulating and adding money from the sale of existing housing.

From the editor: in this scheme you need to be able to act without a realtor, since agency commissions and taxes during multiple real estate transactions will “eat up” all the benefits. Check out our material ““.

Detailed description of the buying and selling strategy. Step by step diagram

Every month, immediately after receiving a salary, we transfer the planned amount to the bank at interest. This disciplines your spending and allows you to plan your monthly budget more carefully. For me this amount was 9 thousand rubles for four years. The income from deposits in the bank at that time averaged about 6%. It seems that this is very little, but if you do the math, it’s about 6,000 rubles a year, which is also useful.
Having accumulated the necessary amount to purchase the most budget housing, we make a purchase. In this case, you should not rush to the first object you come across, but study the market of the area, wait for a “tasty” offer, monitoring prices, and still try to bargain.

I initially decided that I would buy my first home after completing my studies, because otherwise I would have added a rental expense item, which is significantly more than paying for the hostel. Over 4 years, I have accumulated about 450 thousand rubles (including bank interest).

For 430 thousand rubles I found a fairly good room in shared ownership. I'm lucky with my neighbors. Because before that I lived in a hostel, my life did not change qualitatively. With the remaining 20 thousand rubles, I made repairs and even bought furniture: a small sofa (used), a table and a chest of drawers. The room turned out to be very cozy. This was my first home, albeit small, but bought with my honestly earned money. I was filled with pride.

We continue to save for a new, better property. The advantage is that you don’t have to pay rent after buying the first room, even if it’s not in the best area. We save for another n years and are already looking at studio apartments or small one-room apartments. You can, of course, increase the savings period and then immediately buy a two-room apartment.

I saved for another 3 years so as not to pay tax on the sale of the room. My expenses and income have changed. Instead of the article “Fee for the hostel”, the article “Utility expenses” appeared. I found a job in my specialty and was already earning 30 thousand rubles. This has a population of about 600 thousand people as of 2014. All other expenses increased by an average of 20% due to inflation and other reasons. I was already able to save about 18 thousand rubles a month. Over 3 years, an amount of 650 thousand rubles has accumulated (including interest at the bank).

We sell our existing housing, add the accumulated amount and buy an apartment.

In my case, the proceeds from the sale of a room (450 thousand rubles) and the accumulated money (650 thousand rubles) went towards the purchase of a one-room apartment worth 1,020 thousand rubles. The apartment was purchased from the developer and is located in a new part of the city under construction. The price of apartments on the outskirts of the city is 40% lower than in the center. For the remaining 80 thousand rubles, I made inexpensive repairs and furnished the apartment with furniture.

So my dream has come true! The goal has been achieved. At 24 years old I have my own apartment, bought with saved money.

Let's look at the pitfalls of this accumulation method

Among my many acquaintances, there is only 1 person who saved up for an apartment in 5 years without resorting to borrowed capital. 95% of them believe that this method of purchasing housing in modern conditions practically impossible and unprofitable, citing the following arguments:

saving money is unprofitable, because most of it is “eaten up” by inflation;
It’s more profitable to take out a mortgage on an apartment and pay money to the bank for your home;
Living in a communal apartment is unbearable.

Real inflation of apartment prices in Russia

These are the most common arguments I have heard. I want to comment on each of them.

First, housing costs are not rising as quickly as inflation. In Russia it is generally accepted that real estate always becomes more expensive, but this is not so. This is easy to see if you compare home sales advertisements over the past 10 years.

Real estate prices have still not exceeded their 2008 peak

In fact, prices may go down. For a long time they were so inadequately high that all effective demand dried up, and the inexorable law of supply and demand forces owners to make concessions and make significant discounts.

It is important to understand that the offer price and the transaction price are not the same. So, according to the largest Moscow real estate agency “Inkom”, in 2017 the difference between these indicators (actual discount) in Moscow is 20-25%!

In 2008, none of the Moscow sellers wanted to hear an offer of less than 7 million rubles for a one-room apartment on the outskirts. 10 years have passed, and these same one-room apartments can hardly be sold for 4 million rubles, despite the fact that the ruble has lost half of its purchasing power during this time. This situation will not last forever, but now the real estate market in Russia is on the side of buyers.

Take out a mortgage or save? Let's compare using a specific example

Secondly, the apartment de facto belongs to the bank and will become yours only when you repay the loan. And this will happen only after many, many years. To compare profitability, I used mortgage calculator on the Sberbank website. An approximate calculation produced the following results.

Loan term 84 months.
The loan amount is 1,027,437.33 rubles.
The rate is 11.75%.
Monthly payment 23,651.08 rubles.
The amount of overpayment is 484,562.64 rubles.

Based on calculations, the bank will give a loan for such a period (7 years) only under monthly payment not less than 23 thousand rubles. Do not forget that most provincial families and single people cannot afford this amount per month. Also, pay attention to the amount of overpayment - 484 thousand rubles. For this amount you can buy a car! Therefore, the conclusion about the unprofitability of a mortgage, given all other equal conditions obvious.

Note, I did not save 24 thousand rubles a month, I simply physically could not do this with my salary, however, I bought an apartment in the same period!

Living in a communal apartment, or how to settle for less comfort?

The argument about unattractive living conditions in a communal apartment is subjective. You have to choose the lesser evil: endure 4 years in a communal apartment and buy your own home without such huge overpayments, or bear the mortgage burden for 10-15 years, overpaying the bank for another apartment. Everything is individual. After all, the purpose of this article is not to describe the best housing for living, but to describe a real method of purchasing an apartment with accumulated funds.

Apartment or car - what to save for first?

Many young people dream of living on their own, but they dream even more of having their own car. This applies more to guys than girls, of course. And here the choice is almost always made in favor of buying a car - simply because people think that the prices are not comparable. An apartment costs 2 million, and a car costs half a million (relatively speaking). It seems that buying a car will not delay the purchase of your home very much. But this is not true, you already understood everything from the example of numbers!

In addition, a deposit in a bank does not require porridge; on the contrary, it brings interest income. So, if you want to be forward-thinking about planning your life, give up the idea of buying a car for a few years until you move into your own apartment. Believe me, guys, your car will not raise your status in the eyes of girls if you are going to use it to take a girl to your parents’ two-room apartment, where you live with your mother, sister and grandmother.

Big purchases in small steps

Thus my goal was achieved. I am glad if by my example I convinced you that in the regions it is quite possible to save up for your own apartment with a salary of 30,000 rubles. The main thing is your desire, patience and determination.

Can't save up for an apartment? Don't want to live in a communal apartment like the author? Or maybe you don’t need it? Mortgage rates fell to 6% (minimum) in 2018, the average real rate is 9%. Mortgages don't bite anymore! . Living in the apartment of your dreams is better than living in a communal apartment - especially when the payment is tight.

This option for purchasing housing is suitable for students who have moved toanother provincial city (Moscow real estate prices are much higher, but), as well as for those who initially have a source of income that allows them to save at least 40% of the total amount.

I want to say that the described method is also suitable for saving up for a car, household appliances, vacation and other major purchases.

It won't be easy. You will have to learn to control your expenses, be demanding and disciplined, not be afraid of difficulties and be prepared for them. As a reward, you will receive not only an apartment, potentially saved money, but also a feeling of deep self-esteem.

In conditions Russian realities saving up for an apartment is akin to a feat. Real estate prices are growing by leaps and bounds, and wages are barely moving forward. However, if you approach the matter wisely, you can accumulate the required amount in a few years and become the owner of real estate. Next, let's look at some useful tips and tricks.

Determining the cost of the apartment

The first thing you need to do is determine the required amount to purchase an apartment. Of course, with an average salary it will not be possible to buy an apartment in the center of Moscow, at least not legally. Therefore, you should focus on square meters in the region.

You need to know what housing prices depend on:

Location. Real estate in the city center will always cost significantly more.
View from the window. Apartments with river/lake/sea views are priced 10-20% higher.
House type. Primary housing (new buildings) is more expensive than secondary housing. The class of the apartment also affects the price.
Building material. The cost per square meter in buildings made of stone and brick is higher than in panel or wooden ones.

Three ways to save

Knowing what the cost of an apartment depends on, you can choose the most optimal option, thereby saving some money. To do this, use three simple tips:

Buying an apartment under construction will cost much less. The only negative is that you will have to wait some time until the house is put into operation. This option is suitable for those who have a place to live during this time.
In many major cities There are areas under construction where the infrastructure is just developing. Accordingly, the purchase of such housing provides a discount. Over time, all such areas receive developed infrastructure (stops public transport, educational institutions etc.). However, until it has reached such a state, the cost square meters will be less than the city average. This is a great time to buy. Over time, the cost will inevitably increase.
Buy an apartment without finishing. You can do the repairs yourself, and it will cost much less. This is true even if you seek the help of professionals.

Important! You need to choose carefully construction company, because there is always a chance that it will go bankrupt and the person will be left with nothing. It is better to choose organizations in which you are involved state capital.

There is another way, somewhat crazy - to buy an apartment after a fire. The cost of such real estate will be much lower. Of course, in this case you will have to spend a significant amount on restoration. Before undertaking such a procedure, it is recommended to consult with a specialist regarding the expected costs. This will allow you to assess the profitability of the event.

What about the mortgage?

For most Russians, when the question of buying real estate arises, the thought of a mortgage immediately arises. IN last years People associate such lending with a kind of bondage.

Paying the lion's share of your salary for 10-25 years is really not very pleasant. Therefore, you should take out a mortgage on an apartment only when as a last resort, that is, when the housing issue is urgent.

In this case, you need to be prepared for:

Down payment. Domestic banks do not offer mortgages without a down payment, so you will first need to save a certain amount. The smaller the down payment, the higher the bank will charge interest.
Huge overpayment. If you use a calculation calculator, you can see that in the end a person will overpay by 100-200% (sometimes more).
Monthly payments. If there is a delay of at least one day, the bank will begin to charge penalties.
Refusal. Despite the monstrous conditions for the consumer, the bank may refuse a loan, and without explanation.

A few words about government programs

Our state, although timid, is trying to help citizens purchase real estate. The “Young Family” program has become widespread. According to its terms, you can take out a mortgage on an apartment for a very preferential terms.

However, in order to qualify for this program, you must meet a number of strict requirements. Their list is constantly changing and depends on the specific region. Therefore, it is advisable to clarify this moment on the local administration website.

For those who don’t mind getting a private house instead of an apartment, you can study information about the free allocation of plots for individual housing construction.

In simple words, the state provides free plots of land to privileged categories of citizens (usually in remote areas of the city) for the construction of a residential building.

If you are an employee of any government organization, then it is quite possible that the company provides assistance in purchasing housing. Most often it is expressed in interest-free loans. Go to the trade union committee at your place of work and find out if there are similar offers. Be prepared to collect a huge number of documents and clash with the bureaucracy.

Ways to increase existing funds

If a person doesn’t earn enough to save quickly, he looks for options to generate additional income. It’s worth immediately dispelling the myth about the profitability of online businesses like Forex or binary options. Advertisements are full of headlines about how this is an easy way to make money.

To earn income from stock exchange and similar organizations, you need to study for a long time and “get the hang of it,” in other words, lose a lot of money. Therefore, we do not initially consider such methods.

We will only touch on techniques without any risk, which do not require special knowledge. Listen to the following options:

Opening a bank deposit. This is the most stable option, which provides 10-15% annual profit. It is advisable to choose deposits with the possibility of constant replenishment - in this case, the interest will constantly increase.
Investing money in mutual funds. A more profitable option, giving 30-40% per annum. However, here you need to choose only a reliable mutual fund, since there is always a risk of losing your investments if you turn to a “one-day company”.
Renting out your own property. A method characterized by certain inconveniences, but giving fixed income. You can, for example, during the warm season, move to a dacha and rent out an apartment. Depending on the city and the level of real estate, this will bring an additional 10-30 thousand rubles per month. If you have a large apartment, you can rent a smaller living space and rent out your own.
Renting a car in a taxi. In this case, you will not only receive 10-15 tr. per month, but also reduce transportation costs.
Investing in business. The most risky, but most profitable method. In this case, it will be necessary to carry out a detailed analysis of possible risks.

Investment experts advise investing in several sources at once. In this case, if one of them “burns out,” the person will definitely not be left without profit.

The following tips should be considered:

Invest in yourself. Any new knowledge or skills can bring additional income or give competitive advantage in the job market. You can get additional education: 1C programmer, accountant, translator, etc. The main thing that educational institution had a state license, otherwise such a diploma will not be valuable to a potential employer.
Keep track of your expenses public utilities. The best option is to install water meters.
Save on transport. Buy ticket.
Take advantage of discounts in stores. Many large hypermarkets have cumulative discounts on cards. Use this opportunity to reduce your expenses on food and essential goods.
Don't use credit cards and microloans. Even if there is an urgent need, do not take such loans, since the interest on them is very high and ultimately this will affect your savings.
If possible, do something yourself: bake bread, sew clothes, etc.
To analyze small expenses, keep a notepad or use phone programs.

Video about saving money for an apartment

Conclusion

As you can see, saving money for an apartment with an average salary is quite possible. The main thing is to approach this matter wisely, and in a few years you can become the owner of your treasured real estate without using a mortgage.

I am glad to welcome you, dear readers of my blog. Today I met a friend who complained that for the umpteenth time he had to move out of his rented apartment and look for new housing.

In response to my reasonable question whether he had tried to save up for his own living space, my friend began to passionately assure that in modern conditions this was unrealistic.

Let's try to figure out in this article whether an ordinary person with an average income can hope for a chance to purchase their own home, and how to save money for an apartment.

Those who dream of their own “fortress” have several alternatives.

Purchase an apartment on the secondary market entirely with personal funds. This is perhaps the best option from the point of view of further financial responsibility. The only question is where to get these funds.
Take advantage of a bank mortgage. By choosing this method, you have the opportunity to immediately use the housing for its intended purpose, but you receive at least double overpayments on the loan. Banks also require high official income, which is not suitable for everyone.
Buy an apartment on the primary market. Theoretically, this will save money, since existing housing is much cheaper than ready-made housing. In addition, many developers offer the option of installment payments. However, do not flatter yourself, the interest on it is already included in the price of the property. In our country, this method is considered dangerous due to the possible risks of bankruptcy of the developer.
Get a loan from the housing cooperative (housing and savings cooperative). This method is suitable for those who have at least 50% of the cost of housing. Here you will not be required to confirm official income. However, there is always a risk that the agreed loan amount will not be enough in the event of a strong rise in housing prices. There is also a high probability of falling into the clutches of scammers who love such schemes.

As you can see, there are not very many options and for any of them you will need a certain amount of money, which is what we have to do.

Setting realistic goals is the first step to success

Before you begin the accumulation process, you need to decide on a specific goal.

What kind of apartment do you want: number of rooms and square meters, presence or absence of renovation, area of residence, surrounding infrastructure, etc.

Here it is important to be honest with yourself and “stretch your legs over your clothes.” If, working as a simple economist in Tver, you persistently dream of three-room apartment in the center of Moscow, not wanting to consider other options, it is unlikely that your plans will come true.

Of course, dreaming is not harmful, and reasonably inflated goals are designed to stimulate us to new achievements.

However, obviously utopian dreams will bring you nothing but complexes and depression.

Therefore, focus on real offers, even if it is not your dream area for now. Who said that in the process of accumulation you cannot push the boundaries of what was planned?

Determine the approximate price range for the offers you are interested in and estimate the inflation percentage for the next 2-3 years. It is during this period that we will try to accumulate the necessary one.

Choose the method of purchasing real estate that suits you. This will allow you to roughly calculate the total amount, as well as the amount of the down payment or required monthly payments.

Having received a certain, albeit approximate figure, we begin to accumulate funds. For convenience, we calculate the monthly amount of required savings based on the total planned period of time.

Budget optimization is an unpleasant but necessary measure

Unfortunately, in the process of accumulating significant sums, you cannot do without cutting back on your requests. However, this is only one of necessary measures in the process of optimizing our budget, for which we will have to:

correctly distribute income, depending on priority goals;
establish strict control over expenses;
start forming a savings fund;
find additional source via .

Target income distribution

In the traditional scheme of distributing available income, money is first allocated for mandatory and current expenses, and from the rest they try to save something into a savings fund.

The problem is that many mandatory expenses These are not the same as, for example, purchasing a new pair of shoes just because the old ones, in your opinion, are no longer fashionable.

Therefore, we begin to think differently. Our main goal is to buy an apartment. This is why we dance. Adding up all the sources possible income, first of all, we allocate the entire necessary planned amount to the housing savings fund.

And from the rest we form our monthly budget, including expenses for food, clothing and entertainment.

In this way, you kill “two birds with one stone”: you ensure regular and stable accumulation of funds, and also learn to save or look for new ways of additional income in case of lack of money for living.

Cost control

To effectively implement this point, you will have to significantly change your usual way of life and look at the world more broadly.

You will be surprised, but you can exercise not only in an elite fitness club, but also at home and while running in the park. Giving up a daily pack of cigarettes will allow you to collect a considerable amount in a year, simultaneously saving on the treatment of chronic diseases of the ENT organs.

And what brand of jeans you are most concerned about is yourself, not those around you. Detailed practical advice You can read about savings in my article “”.

The next point regarding investing is one I would like to consider in more detail. After all, it is with its help that it is possible to significantly speed up the time frame for collecting money to buy your own apartment.

Competent investment is a catalyst for the process

Here I will not discuss ways to invest money in or independently trade on. Let's talk about options available to any average person without much experience or investment skills.

The main mistake many people make when they refuse to admit that they have the ability to make their money work is the belief that an investor can be a person with a “tidy” bank account.

This is wrong.

Certainly, small amounts won't provide you with financial independence. However, in any case, they will provide stable passive income, which will significantly speed up the accumulation process.

So, I suggest considering the following alternatives.

A bank deposit is more an option for protecting savings from inflation than a way to increase them. The advantages include the possibility of receiving a fixed income and early repayment of funds, albeit with a loss of interest. In addition, if you have accumulated a sufficient amount, you can take out a loan against a deposit, the interest on which will partially offset the costs of loan payments. The only downside is low profitability.
Trust management is perhaps the only way to quickly increase your capital. The best options are to invest in reliable or PAMM accounts managed by experienced Forex traders. To minimize risks, divide your capital between several funds and traders, having first studied the history of their work.
Investments in real estate. If you manage to collect some not very large amount, consider purchasing a room or an inexpensive apartment, perhaps even in another city with more affordable prices. By renting it out, you will provide yourself with constant passive income.

As you can see, there is nothing particularly complicated. The main thing is to set yourself a goal and go towards it in small steps.

I hope that my article has at least a little inspired those who have not yet decided to start saving for the purchase of their own home.

Don’t be afraid to try and, perhaps, soon you will have to pack your bags to move to a small, but your own apartment.

With that, I say goodbye and look forward to seeing you among my subscribers.

Subscribe also to the Telegram channel - t.me/site. See you again!

P.S. For loan refinancing other banks please pay attention to the offer Ural Bank for Reconstruction and Development (UBRD) for an amount up to RUB 1,000,000. at 13% per annum.

The bank also provides the opportunity to register online applications on consumer loan with a rate of 11% for amounts up to 200,000 rubles. only with a passport (with a certificate of income up to 1,500,000 rubles).