Buying an apartment is difficult? By no means! If you approach the matter with knowledge, the acquisition of real estate can turn into an exciting, but extremely exciting event. In this article - important tips that will certainly help you. About our own home, many of us begin to dream as early as adolescence. Unfortunately, most of the time this remains a dream for a long time. And the reason for this - in the main aspect of the acquisition of real estate - its value. It does not matter whether you buy the first apartment in your life or expand, selling old and small for a new and big: it's always expensive. Moreover, one needs to be well-versed in the very process of buying and selling housing, in order to minimize all surprises. In today's material, we will try to touch upon the main provisions related to the process of buying your own apartment, and to prove to you that it is quite possible to get a home and not go crazy.
1. Should I cancel the lease in favor of the acquisition?
We have been actively persuaded for many years thatOwn housing is an ideal investment and that we need to stop throwing money away today and move out of a rented apartment. Let's look at the situation on a live example. Imagine yourself in a well-furnished, almost new, removable odnushka. Everything is here (from the wardrobe to the microwave oven), and even repairs were done not so long ago. For the beauty and comfort you pay monthly to the owner 45 000 rubles a month. But you are unhappy, you want everything (from the front door to the window frames) to be yours, so go to the bank and take out a mortgage. We begin the calculations. Imagine that you liked the apartment in a new building in the same area in which there was a removable one. This is also odnushka. With repair, but empty. The developer asks for 7,300,000 rubles for it, and the bank wants 15% as a down payment. Let's say you have this money, and you take the remaining 6,205,000 rubles on credit for 20 years at 12%. The bank informs you of the amount of the monthly payment: 68,322 rubles. And now every month for 20 years you will part with this amount. Let's say you are not impressionable, you earn well, you are confident in the future and the five-figure sum does not frighten you. But the apartment is empty. That is, furniture, equipment and a lot of small things need to be purchased now. And still monthly it is necessary to pay housing and communal services, the tax to the real estate and the earth, to do deductions HOA and other. Do you still want to buy your own apartment?
2. Hire an agent
If you are serious about buying your ownHousing and the above calculations do not scare you, hire an experienced realtor. This respectable person in a suit will help you navigate the market, bypass a lot of pitfalls, find the "same" apartment and negotiate correctly. Of course, all this is possible only with a competent and very experienced agent. So look carefully and get ready to pay generously for his efforts (on average this is somewhere around 3-6% of the transaction amount). There is also a more iridescent version - 1.5%, but here everything depends on your luck and the appetite of the realtor.
3. Choose an option by means of
Do not expect that in a couple of years yourThe financial situation will improve, and you will be able to properly decorate the 300-meter apartments, but for now you will manage with a mattress and a couple of stools. Better soberly assess their prospects, live for several years in a rented apartment and save enough money for everything you need. If you do not want to wait a couple of years, look for a cost calculator on the network that will help you figure out how much you can save monthly, and live for several months on the proposed terms.
4. Choose an apartment in a good area
Very unexpected advice, right? Of course, your first impulse will be to look for options near the metro, shopping centers and other amenities of walking distance. And now ask yourself the question: in the chosen area there is a good school, a kindergarten, a polyclinic? Because if you ever go to change a city or even a country, then when you sell an apartment these arguments can positively affect its value. Think about it.
5. Talk to the seller
Even if only yourAgent, do not regret time and socialize with a person who knows almost everything about your future home. Of course, the terrible secrets of the music lover-night owl and the perpetually flowing pipes from the neighbor on top of you are unlikely to be told. But on the local infrastructure, shops, clubs, schools and unobtrusive, but very useful places you will be told for a long time and enthusiastically.
6. Hire a contractor before purchasing
When the apartment is found and its originalThe cost is stipulated, it's time to start a constructive bargaining. Find an experienced builder who can inspect the house for various shortcomings, breakages and other weaknesses. Then find a specialist who can estimate the cost of repair and troubleshooting. After this, continue negotiations using new arguments.
7. Do not be afraid to leave
Unfortunately, there are negotiators in the world,Unable to compromise. If the price does not suit you, and the seller is not going to make fair concessions, leave. Yes, you already fell in love with the area and started fantasizing about the future of the interior, but happiness will not happen if you agree to pay more than it's worth. You will regret this always, and the thought "I should have insisted on my own" will visit you at every opportunity. Sometimes your rejection of the transaction can force the seller to think and make concessions. In any case, the last word should remain for you.
8. Do not rush to repair
Of course, break into a new apartment with a brushAt the ready is very tempting. You probably already dreamed of a new situation, you asked the price of a kitchen set and know exactly how to arrange a bed in the bedroom. But wait. To understand that you need a new apartment, you need to live in it. Take a closer look, for example, to how the lighting changes during the day, and with it the environment. And soon you will discover a lot of subtleties, which you did not even know about before.
9. Set aside for repairs
And not only for repairs: Unforeseen circumstances - a common thing for novice homeowners. Once you decide to buy your own home, start to save money: they will not be superfluous. Apartmenttherapy.com, remodelista.com, freshome.com