The housing issue is a sore subject for Russian citizens. At the same time, some of them categorically refuse to apply for a mortgage, considering this action to be irrational and too expensive.
It is necessary
telephone, Internet access, passport and other documents provided at the request of the bank
Instructions
Step 1
Save up for an apartment. Of course, this is not easy at all, given the current inflation rate. Therefore, it is rational to invest the funds accumulated over a certain period in the bank at interest. It is definitely not worth hoping for a big profit, but the interest received will save you from losing money due to inflation. The advantages of this option - saving up for an apartment will turn out faster than paying off the mortgage. Cons - you need to live somewhere while you save money. For example, from parents, which is inconvenient, or renting a house, which is quite expensive. There is one more disadvantage - some people are able to carefully control their expenses only if they have a strong incentive, such as with a loan - the monthly payment was not made on time, which means that a fine will be charged.
Step 2
Sell your old apartment, buy a new one. This is true if you are planning to improve your living conditions. In this case, it will be necessary to add a certain amount that can be accumulated or a loan - not a mortgage, but an ordinary consumer loan.
Step 3
Get a loan. It should be noted right away that a loan is not the same as a loan. This type of loan involves the temporary transfer of property for use, as a rule, additional interest is not charged for this. Thus, it looks more like a lease. The loan can be obtained from the organization in which you are listed, or from the bank if the transaction is drawn up by a legal entity.
Step 4
Borrow from friends and acquaintances. When a person categorically refuses to receive funds in banks, then he can try to find money from friends. Of course, it is unlikely that one friend will be able to lend a sufficient amount of money, but if you talk with everyone around you, attract relatives, it turns out that it is still possible to collect the missing amount. However, there is one caveat - do not forget to specify when you will be able to pay off all your debts, because this can take several years.
