How to make money and save up for an apartment - 5 real ways to make money + practical tips on saving money to buy your own home

Hello, dear readers of the magazine "site"! Today we will tell you how to earn money for an apartment and save up money to buy your own home, even for a person with a small salary.

Have your own home (house or apartment) - cherished dream of most people. However, not many people want to start implementing it. Fear is caused by high prices per square meter, the level of wages, especially in the regions, as well as legal difficulties in paperwork.

As the wise saying goes, Every journey starts with the first step. It is possible to realize the plan only by setting a clear goal and having a well-coordinated scheme for achieving it.

This publication is for those who, having a small but stable income, or just a desire, or a vital necessity, have decided to purchase their own apartment, despite numerous assurances that it is difficult, impracticable and threatens with huge bank loans.

From this article you will learn:

How to correctly formulate the goal;
What real earning and saving schemes exist for the quick acquisition of a large amount for buying a home;
How to save on the purchase of an apartment the amount of 150,000 to 200,000 rubles. and more.

In addition, you will receive practical advice on earning and accumulating big money + ways to increase it. This will help create capital for buying their own family nest for young families, and for those who have rented an apartment almost all their lives, it will give a chance to get their property without huge loans, which, however, are difficult to obtain with an average salary.

How to buy your apartment quickly and with savings, read right now!

Practical advice + working ways to earn and save money for an apartment

1. What you need to know in order to earn and save up for an apartment in 1 year - calculations and opportunities ????

In order to determine the path of earning or saving money for housing, it is necessary decide on its parameters. . At first glance, this moment seems unimportant, however, as practice shows, most of the time and money are spent looking for what is needed.

To carry out the transaction, one has to involve realtors who, with significant professional experience, help to understand the needs of the client and decide on the right option.

For example, it is important for a person that there is a certain school or kindergarten, a sports section for children nearby, or he spends several hours a day traveling to his place of work, but this option can be simplified by buying an apartment next to a certain metro line or in the same area .

When real estate agencies are involved in the process of choosing housing, it is natural that there is an increase in the cost of an apartment by an average of 10 – 15 %. With the price of a one-room apartment in the capital at about 4-5 million rubles, the cost of additional services will amount to 400-600 thousand rubles.

These funds can be spent on a good repair or the purchase of high-quality furniture, agree? Therefore, we analyze what is a priority for us and the family, and we draw up the exact characteristics of the housing planned for purchase:

Characteristics of the apartment: one, two or three rooms. The location of the bedrooms - for example, if you have two children, and you are going to purchase a two-room apartment, then the option with a combined layout with a passage to the bedroom through the hall is not acceptable. A certain area of \u200b\u200bthe apartment and premises is taken into account. Perhaps your wife spends a lot of time in the kitchen, and there are always a lot of guests in the house, then it is better to provide that the apartment has a spacious kitchen, also combined with the living room. If a single person who is constantly on the road or eats in restaurants will live, this fact should not be paid attention to.
Where should housing be located? in the city or outside it. Those who are accustomed to motor transport and get tired of the bustle of the city, love nature, can count on buying an apartment (townhouse) in a cottage settlement or an individual building project. The cost may be lower or remain the same. It is important what exactly your soul desires, and that the upcoming purchase brings only joy and is associated with positive emotions. Psychological attitude plays a special role.
Purchase terms: making a percentage payment, installments for a certain period, payment by maternity capital, (mortgages).
Amount of funds, which are accumulated for the purchase of an apartment, and the allowable monthly expenses for the purchase of real estate.

As soon as you decide on all these criteria, the range of objects with specific characteristics, price level and payment terms will become much smaller. Of these, it will be possible to choose exactly the option that completely suits all the criteria.

Based on these parameters, we determine money opportunities. For example, a one-room apartment in the region will cost about 2 million rubles. You have an amount of 500 thousand rubles. To purchase, you need another 1.5 million rubles.

When calculated for a year, it turns out: 1,500,000 / 12 months = 125,000 rubles

That is, during the year, the purchase must be postponed monthly. on 125 000 rub. If such income is not expected at the existing place of employment, then it is necessary to find a way. There are several proven ideas for this.

Real ideas and ways to make money to buy an apartment

2. How to earn money for an apartment???? - 5 proven ways

If there is an urgent need to buy your own apartment, and income remains at an average level, do not rush to get into "debt hole on 25 -30 years" signing a mortgage agreement.

Psychologists say that the emotional content of credit obligations is akin to serfdom. A person falls into slavery, driven by the desire to obtain material wealth as soon as possible. He lives on the "patrimony", but redeems it with daily hard work.

Buying something with a loan people sell their future: all their thoughts are drawn to the need for a certain date to deposit a certain amount of money.

Think how many sleepless nights you will spend thinking about the possibility of another crisis, an unexpected appreciation of currencies and, accordingly, the same rapid increase in prices in stores. And the fear of being fired, being laid off, losing the physical ability to work in the same strength? Wouldn't it be easier to dedicate an assessment of your needs and options to solve the housing problem of everything one evening, without resorting to the help of the bank?

Advertising convinces us that taking out a mortgage is profitable because of the processes inflation . So, using examples, they explain to us that in 10-15 years the cost of housing will increase, money will depreciate, so mere pennies will remain to pay for an apartment. It's probably no more than thoughtful marketing ploy for financial enslavement. We talked about the conditions in more detail in the last issue.

Let's analyze what is happening in reality using the example of the latter 10 years. Average real estate price in Russia remains the same or decreased.

The reasons for this are:

low purchasing power;
increased competition in the construction industry;
increase in consumer prices.

As a result middle class can no longer afford to buy a house even through loan products.

Take for example the state of the housing market in the Irkutsk region. As of 2000, the cost of a one-room apartment in a new building with an area of 45-60 sq. m. was about 2,500,000 rubles. Today, developers offer the same apartments for 1 500 000 rub., offering discounts in 150,000 - 200,000 rubles. for the "Bring a Friend" promotion.

At the same time, wages in Russia remain approximately the same as 7-8 years ago. Income of 15,000 - 20,000 rubles. monthly is considered normal. Only earnings in Moscow are distinguished by a high bar. Even in St. Petersburg, a salary of 30,000 rubles. for a specialist with higher education - this is the standard .

Outcome: having received a mortgage, you may have to 10 years also pay off a salary of 20-30 thousand rubles. monthly, despite the fact that the rise in price of products and utilities occurs with an enviable frequency. Moreover, inflation rate officially remains within the normal range.

Given the mass layoffs due to economic crises that occur regularly every 2-3 years, you can imagine your life for the next two to three decades ahead.

What to do and how to change this situation?

Firstly, you need to understand that buying an apartment in Moscow, St. Petersburg or another large city in Russia just like that won't happen . This will require some effort.
Secondly, for some time you will have to get out of the “comfort zone”. Everyone has their own: accommodation in Khrushchev 20 sq. m. area, payment of monthly rent of 10-15 thousand rubles, cohabitation with parents, etc.
Thirdly, you need to come up with new ways to earn money that will allow you to make quick savings and raise your material level.

The methods described below will help you earn money for an apartment in a year or two.

Method 1. Creating passive income on the Internet

Until recently, this method was a utopia and remains so in the minds of most Russians. But the goal is not to adjust to all-Russian stereotypes, but to create our own working online business model.

Western analysts recommend that if you are not satisfied with the level of income, you should look around and think about what else you could do. maybe that even hobby will bring more income than the main earnings in the specialty. The Internet provides in this regard unlimited opportunities for development and earnings. Read about in a separate article.

For example, take a closer look at copywriting exchanges if you have writing talent or the ability to organize a team of authors. You can do this work in your free time or weekends, saving up to buy a home.

Method number 1. Bank deposits

Bank deposits are in the most popular and easiest way increase in savings. You can make investments today very quickly and even without contacting the bank, if you are a client of this bank.

For example you have a salary card. In mode online or in a mobile bank, funds are credited to a special account with an interest rate within a few minutes. It is not required to visit specialists at the branch of a credit organization. The accrued interest is from 0.01 before 18 % depending on the amount transferred to the deposit and the period of their storage in the bank.

Exist funded, or replenished deposits, the amount of funds on which can be increased, or non-replenishable - with an increased percentage, but sanctions for early withdrawal. If the money will be in accounts for 1-3 years or more in order to save for housing, then it is better to choose last option, admissions under such programs are much more profitable.

You can invest as in Russian, and foreign currency. The interest on foreign banknotes is less, but investments are protected from rate fluctuations. It is especially important to take this into account when buying property abroad.

Method number 2. Investment in a non-state pension fund (NPF)

The scheme for making a profit is approximately the same as when opening a deposit. In the year from the funds you can get 8 -10 % income.

Method number 3. Mutual investment fund (PIF)

Mutual funds are the most profitable form of increasing savings. Differs in stability and reliability. Has a higher rate 30 -60 % annually, which gives advantage compared to banking products.

Method number 4. Forex exchange

Good results can be achieved by accumulating funds for PAMM accounts. Monthly on such a scheme you can earn 4 to 5% from the amount of savings. However, this method is associated with high risks. Big earnings can turn into a complete loss of savings.

In one of the articles of our magazine you can read about a novice trader.

Method number 5. Renting out your own property

If there are plans to expand the area of \u200b\u200bhousing, for example, from a 2 to 3 room apartment in connection with the birth of a child, then, as an option, you can move to your parents for a while or rent an economy option, and your apartment to rent at a good price.

Method number 6. Rent out your car

If you own a car but rarely use it, you can rent it to a taxi service. Income of 10,000 - 15,000 rubles. monthly would not be superfluous.

If there are funds in the region of 500,000 rubles. and above, it is recommended to use several ways.

For example:

300 000 rub. can be left on a bank deposit, having received at the end of the year 330,000 rubles.
200 000 rub. to distribute between mutual funds in half at 15% and 20%.

In total, at the end of the year, the accounts will have an amount of 115,000 and 120,000 rubles. respectively.

So over the year, accumulation will increase from 500,000 rubles. up to 565,000 rubles.

Is it possible for an ordinary family to save money for a coveted apartment with a small salary and how to do it - tips and tricks

4. How to save money for an apartment with a salary of 20,000 - 30,000 rubles per month????

To determine the scheme for accumulating funds with an average salary in Russia, it is necessary to decide where the desired housing should be located: in Moscow / St. Petersburg (St. Petersburg) or in the region. The two cases will be very different due to the difference in pricing.

For example, let's take a one-room apartment with an average area of 40-50 sq.m.

1) Housing in the region

A one-room apartment in the region will cost an average of 2.1 million rubles. The salary is 30,000 rubles per month, but it is impossible to leave it all for savings, since it requires expenses for renting real estate, there are expenses for food and a car.

Since own transport is quite expensive, it is better to use it first sell leaving money for an apartment.

Renting housing in the regions is approximately 14 thousand rubles. Meals for one will cost 8-9 thousand rubles. Total monthly remains 7 thousand rubles.

How much do you have to save to buy an apartment: 2,100,000 / 7 = 300 months, that is, in total 25 years.

If you live as a family and both work, then the outlook is brighter. This one will take about 70 months, that is 6 years. However, in practice, one circumstance arises when a couple forms, then a one-room apartment becomes insufficient for it.

2) Apartment in Moscow

In the capital to live on a salary of 20,000 - 30,000 rubles. almost impossible, what can we say about the accumulation of funds for their own housing, especially with Moscow prices.

On average, the income from employment according to statistics is 70 000 rub. You can earn good money in the capital, most importantly, have the desire and assertiveness.

If you have a good education and skills, you should think about changing your place of employment to a more profitable one. Will come on time get out of your comfort zone but the result will be worth it.

Since saving up for an apartment with earnings of 20 - 30 thousand rubles. can only take a few dozens years, then it makes no sense to give a calculation.

Is it possible to get a mortgage with such income?

Let's turn to the calculator of Sberbank of Russia. We introduce the cost of housing at 5 million rubles. with an income of 30,000 rubles. The system indicates that with such earnings you can get only 2 million rubles. loan, despite the fact that an initial contribution of 1 million rubles will be provided. The payment period will be 15 years, and the overpayment will be equal to 2,168,000 rubles.

Summarize. Having a salary of 20,000 - 30,000 rubles. buy an apartment in Moscow, even with a mortgage.

As an option, you can consider buying an apartment in the suburbs. Now a lot of residential complexes are being built there with express transport links with the capital. Or consider moving to an area with low apartment prices.

By the way, you can buy an apartment at a relatively low price in a new building at the stage of excavation. But here it is important to assess all the risks that it carries.

You can also try to change jobs or look for offers in Moscow with higher wages.

How to earn money for an apartment in 3 years from scratch in a large metropolis (Moscow, St. Petersburg)

5. How to earn money for an apartment in Moscow in 3 years - a good example with calculations ????

As an example, a scheme for saving on real estate in the capital for a family renting an apartment for 30,000 rubles per month will be given.

1st year

Let us assume that the monthly income of the family is 110,000 rubles, i.e. about 1,320,000 annually. Of these, 360,000 are spent on renting an apartment, a total of 960,000 rubles. in year.

The apartment the family wants to buy is worth 7 500 000 rub. Taking into account the possible price increase, repair and registration costs - 9,000,000 rubles.

After analyzing the costs, it turned out that it is possible to save 720,000 rubles a year. It was also decided to move to my parents for 2 years, saving 360,000 rubles a year. Total for the first year it turned out to be postponed RUB 1,080,000

2nd year

The family has additional income:

The wife started her own blog and took up copywriting ( writing articles). All in all, she makes extra money. 15 000 rub.
The husband mastered programming and began to receive 15 000 rub. freelance monthly.

Thus, income increased to 140,000 rubles, and in annual terms - 1,680,000 rubles. Of which will go to savings RUB 1,320,000

It was decided to divide the money saved for the first year in the amount of 1,080,000 into parts and invest them:

RUB 500,000 put at 12% in a reliable bank. For a year, they ran into a percentage and it turned out 560 000 rub.
The amount of 300,000 rubles. was invested in a mutual fund with a 15% rate. At the end of the year, it turned out 345 000 rub.
The balance of 280,000 rubles. was transferred to another mutual fund at 23% per year. was received back 345 000 rub.

Total due to investments in the amount of 1,080,000 rubles. managed to increase up to 1,250,000 rubles

Earned funds for the second year 1,320,000 rubles. added to the earned and accumulated in the end will give RUB 2,570,000 This money will be enough to buy housing in the region.

3rd year

For example, at work they gave an increase of 5,000 rubles. monthly, and the wife's income from copywriting increased by the same amount. In a month, the total income amounted to 150,000 rubles. From your parents, you move again to a rented apartment at the same price before - 30,000 rubles. per month.

Since expenses in the amount of 600,000 rubles have now arisen per year. Savings will total RUB 1,200,000

Savings are now distributed as follows:

1 million rubles at 10% per annum to the bank, which will turn into 1 100 000 rub.
400 000 rub. are invested in mutual funds at 15%, and as a result it turns out 460 000 rub.
600 000 rub. will remain deposited in the third mutual fund with a 10% income. As a result, it will be possible to take 660 000 rub.
Another 570,000 rubles. will be transferred to management at a 15% rate per year to Forex traders. The total amount of funds will increase to 656 000 rub.

Thus, according to the results of the third year, the capital will increase to 2 876 000 rub. + capital in the amount 1 200 000 rub. for the third year of accumulation. Now the total RUB 4,076,000 enough to buy an apartment in a remote area of Moscow or good 2 or even 3 room accommodation in the region.

Savings table for an apartment in Moscow for 3 years:

1 year	2 year	3 year
RUB 1,320,000	RUB 2,570,000	RUB 4,076,000

To achieve a result of 9 million rubles, you need to follow the same pattern. The total time will be approximately 6,5 years before buying their own metropolitan real estate.

How to save a large amount of money when buying an apartment - advice from leading lawyers

6. How to save up to 150,000 rubles on buying an apartment????

For support of a real estate transaction, metropolitan agencies charge a fee of about 150 000 before 250 000 rub. from the object, that is, approximately 1,5-2% from its value.

Leading lawyers advise to distinguish between concepts real estate services and legal support. The former are mainly reduced to the selection of offers or the search for buyers. This procedure is carried out as standard- through bulletin boards.

Note! A small number of professional realtors have their own base, and it is characterized by instability due to changes in consumer demand.

There is an opinion that agencies can select exclusive offers from their own database, but in practice they are limited to at best one or two apartments, information about which is not available in open sources. It is not a fact that these options will suit the specific requirements of a particular buyer in terms of the characteristics of the area, area, distance from the metro, cost, etc.

The assessment by the agency is carried out on the basis of data available on the market. In the best case, the check-out of residents living in the purchased housing is carried out, they are removed from registration.

If children lived in the apartment, permission is obtained from the guardianship and guardianship authorities to remove the registration from the place of residence with the obligatory settlement of other square meters with conditions that are not inferior to the previous ones or mostly better.

If these requirements are not met, or there are debts for paying utilities, tax contributions, at best, what a realtor can advise is look at other offers, less problems in terms of design and possible consequences.

The acquisition of an apartment without the conclusion of guardianship, or if the owners have children who are not registered at the place of residence of their parents, the transaction may litigate due to non-compliance with the legal procedure for its registration and infringement of the rights of minors.

Legal support is distinguished by the completeness of the analysis not only of the information available or received from the Rosreestr and house management authorities, but also in predicting the legal consequences that may be caused by the signing of a sales contract. By the way, we already wrote about this in one of our publications.

Lawyers who specialize in real estate disputes can provide for the conditions for any negative consequences in the future.

The work of realtors for the most part comes down to presenting the objects available on the market for the buyer, describing their characteristics. Anyone can do this on their own. , especially since all information is freely available, and viewing of apartments and their selection in most cases is carried out only with the presence of the buyer. Search technologies are automated and do not change over time.

There is a category of realtors who have the skills to verify legal data on housing and have a specialized legal education. But such units and their services are often overpriced. They are trusted not only to search for interesting offers, but also to provide legal support for the purchase and sale.

The role of realtors is to reserve housing by concluding an advance payment agreement. In practice, such contracts often contain many Not only legal, but also grammatical errors . Probably, many of them print from the Internet without even making the appropriate changes.

The task of a lawyer is to protect the interests of the client, while realtors seek to get a quick financial benefit. This is supported by the fact that the advance payment agreement is concluded at the stage of inspection of the apartment before checking the legal purity of documents for housing.

The return of the deposited funds is carried out in favor of the buyer only if there is a fault on the part of the real estate agency. If the transaction cannot be completed for objective reasons, for example , the presence of an arrest, the introduction of housing as collateral for credit obligations, etc., the realtor is not responsible for this . Everything that he has to do under such an agreement is considered fulfilled.

Thus, overpaying for real estate services, the buyer does not receive a guarantee of the legal purity of the transaction. There is no proper level of security and predictability of such a legal action.

Help a lawyer get around in about 2 -2,5 times cheaper than the cost of real estate services, while the level of buyer security much better. Much also depends on the length of service and professional skills of a lawyer.

7. Conclusion + video on the topic ????

This material presented options for the rapid accumulation of funds for the purchase of housing in Moscow or St. Petersburg or the regions. We hope that this information will help you acquire the coveted square meters without mortgage or credit slavery. And remember proper financial planning , - the basis of a prosperous future in any sphere of relations.

At the end of our article, we advise you to look at the informative video "How to save up for an apartment in 2 years with a regular salary" , in which an expert shares his experience on how to quickly save up for an apartment. You will learn about 15 valuable things that help to fulfill a cherished dream:

Dear readers of the RichPro.ru magazine, if you have any thoughts on the topic of publication or experience in earning and saving for an apartment, leave your comments and feedback on the article. Thanks in advance!