What a housing issue. Roman Vasilenko: The third way to solve the housing problem. Comparison of the total cost and area of apartments
Instructions
A contract is concluded between the developer and the participant, according to which a person invests money in a project, and construction company must build housing in certain lines. The advantage of this method is that an apartment can be purchased at a fairly low price and there are no overpayments on the loan, since in this case, payment is often made at. The downside is that it will be possible to move into such an apartment only after all the work has been completed and the house has been handed over. Moreover, there is always a risk that the construction will not be completed. According to the law “On participation in shared construction multi-apartment and other real estate objects and on amendments to some legislative acts Russian Federation», The construction company must provide the participants with guarantees for the completion of the construction. But the laws are often looking for workarounds in order to reduce their responsibility if something happens. For example, instead of an agreement on participation in shared construction, civil legal acts are concluded that do not already have the same legal force as the first, respectively, and the protection of participants in shared construction in this case is lower. Therefore, if you decide to participate in such a project, then you need to choose very carefully. Preference should be given to companies with a good reputation, and which have a positive experience in this matter. And before concluding a contract, it is better to consult with a lawyer in order to protect yourself as much as possible.
MortgageIf you do not want to wait until the construction is completed, but want to move into your apartment today, then you should take part in the mortgage. Today, all banks have various mortgage programs. Some of them need an initial fee, but for others you can do without it. When applying for an issue mortgage loan many factors are taken into account: your family's income, your age, education, work experience, the presence of real estate in the property that could act as collateral, as well as how much you are applying for. If your family's income is small, then in some banks, the earnings of your parents are also taken into account. Before taking a loan, decide what you want to buy. You can buy an apartment with a mortgage, Vacation home, but you can take the money and build what you want by yourself. Housing can be purchased both at the primary and not secondary market real estate. Depending on your goals and it is worth picking mortgage program... Also note that there are various federal and regional programs that allow certain groups of the population (for example, young families) to take out a loan for preferential terms.
Rent If you are afraid to participate in shared construction or mortgage, or you simply do not have the funds for the down payment, but you still want to live in a separate apartment, you can rent it. Even in the smallest town there are enough ads for apartments and rooms for rent. If you have chosen this option for solving the housing issue, then the main selection criteria for you should be your financial situation and protection from unscrupulous landlords. To avoid unpleasant situations, it is better to rent a house through a real estate agency, where an agreement will be concluded between you and the owner of the apartment. Or, if you have found housing yourself, then it is still worth spending time and drawing up some kind of agreement and notarizing it with a notary so that it is legally binding.