If the house is not completed, and the money has run out, you can use a loan, a maternity certificate. The easiest way is if there is an opportunity to refuse the services of builders, and to carry out all further work independently.
Building your own home not only takes a lot of time, but also requires constant cash injections. It often happens that people plan to spend one amount on the construction of an object, but as the work is completed, it turns out that the funds accumulated for these purposes have ended, and the dwelling is not yet ready for commissioning.
Finish the house yourself
The easiest way is to refuse the services of workers, to finish building the house on your own. You can perform work in your free time. In this case, you will not lose income, money will be received regularly. Therefore, there should be no problems with the purchase of building materials.
If you sold your home to build the foundation and purchase the basic material, try to save on renting an apartment. Lay the floor in a couple of rooms. To do this, you can search for materials in wholesale markets, they will cost you less. At first, the toilet can be left outside. As finance appears, you will be able to enter all the necessary engineering communications directly into the house. For heating, you can first use a conventional stove.
It is easier to do if the first floor is already ready, and there is not enough money for the second. In this case, you can make a mansard roof. In this case, the living rooms will be right under the roof. If you still have a small amount, then use frame technology. You can buy a ready-made kit, that is, on the ceiling above the first floor you will have a "separate house". The only thing to consider is the size and material from which the second floor will be made. Calculate whether the material of the first level will withstand the load.
Take a loan
For the construction of a country house or cottage, both banks and MFOs can give you funds. Since it is assumed that you already have a part of the house, there will be no problems with the issuance of funds. Sometimes financial institutions offer special programs that allow you to pay at minimum interest rates.
Before going to the bank, calculate how much you need to receive. Apply for slightly more funds:
- after analyzing the questionnaire, the total loan amount can be reduced;
- the money taken may not be enough, as prices for building materials rise;
- finance may be required to deal with unforeseen situations.
Banks can offer programs for the development of farming. This method is suitable for those who have a small plot with a vegetable garden and are engaged in cattle breeding. In this case, the funds received will be used to support the farm, and the salary will be used to finish building the house.
Use of maternity capital
When applying for a loan, attract maternity capital funds if you have more than one minor child. In this case, you can go in two ways:
- spend money on payment of a loan in front of the bank;
- get the amount to build a house.
You will not be able to take funds if we are talking about a country house. The money received in the Pension Fund of the Russian Federation can only be spent on the construction of a structure built on land for individual residential construction. It can be a village or a village, but not gardening. The finished house must be suitable for year-round living, have all the necessary engineering systems. It can be made of wood, foam blocks or other material.
In conclusion, we note that it is easier to finish building a house if the box and roof are already installed. If the money is still not enough, there is only one option - to sell the private farm, and with the money raised to buy a smaller building. You can contact firms engaged in the sale and exchange of real estate. Agents will help you find buyers. Sometimes with their help it becomes easier to take a loan from a bank, since the preparation of a package of documents falls on their shoulders.
