Действенные методы улучшения жилищных условий

Автор: admin  //  Рубрики: Азбука недвижимости

Действенные методы улучшения жилищных условий 

Несомненно, что практически  каждый человек хоть раз в жизни сталкивался с проблемой  улучшения  жилищных условий. Выполнить данную задачу можно тремя способами: приобрести жилье с помощью кредита или на собственные средства, обменять имеющуюся площадь, арендовать квартиру или дом.

По статистике приобрести жилое помещение за собственные средства  могут менее 1% россиян. А всем оставшимся придется искать другие способы улучшения жилищных условий

Ипотечные трудности 

Несколько последних лет ипотека считалась одним из самых результативных методов улучшения жилищных условий.

Действительно, этот вариант покупки жилой недвижимости имеет важное преимущество, поскольку объект приобретается в собственность. Однако расходы при погашении кредита зачастую так высоки, что заемщикам приходится десятилетиями ограничивать себя во многом.

Ипотеку можно было рассматривать в качестве самого лучшего способа улучшения жилищных условий несколько лет назад, когда стоимость недвижимости и процентные ставки по займам были значительно ниже.

Рост цен на жилье и кризис американского рынка ипотеки (который в том числе повлиял и на увеличение стоимости кредитов в России) привели к весьма негативным последствиям.

В нынешней ситуации многие желающие взять ипотечный кредит сталкиваются со значительными трудностями. Прежде чем выдать деньги, банки тщательно проверяют потенциальных заемщиков на платежеспособность.

Соответствовать высоким требованиям финансовых учреждений могут далеко не все желающие.

Однако, даже если заем получен, возникает другая проблема. За время погашения кредита гражданину придется выплатить банку не только стоимость приобретенной квартиры, но и как минимум аналогичную сумму в виде процентных ставок.

Конечно, при покупке квартиры или дома с помощью ипотечных средств заемщик получает в собственность объект недвижимости. Однако из-за больших финансовых затрат этот вариант улучшения жилищных условий подходит далеко не всем.

Как за рубежом

 

Во всем цивилизованном мире люди не стремятся привязываться к определенному месту проживания. Продвижение по карьерной лестнице, пополнение в семье - все это заставляет искать лучшие варианты для жизни.

Одним нужно переехать в более просторную квартиру, другим просто надоедает привычный вид из окна. Оставаться мобильным позволяет институт аренды, который широко развит в странах Запада.

Этот вид улучшения жилищных условий уже давно заслужил признание и у многих россиян, ведь снять недвижимость довольно просто.

Не надо собирать кучу справок, обзванивать банки, ждать выдачи кредита, после чего - чувствовать себя скованным обязательствами по ежемесячной уплате процентных ставок и комиссий.

Кроме того, снимать жилое помещение намного выгодней, чем покупать его с помощью заемных средств. Ведь ежемесячные выплаты по ипотечному кредиту гораздо выше суммы арендной ставки, если брать в качестве примера один и тот же объект.

Арендуя жилище, вы получаете возможность выбора.

Появились дополнительные доходы - можно снять более просторную квартиру. Нужно отложить деньги на насущные расходы - нанимаете объект поскромнее.

Вы не привязаны к одной квартире и можете менять место жительства по своему усмотрению.

Аренда является одним из наиболее удобных, а самое главное - доступных способов улучшения условий проживания. Так что при выборе варианта решения жилищной проблемы на такой путь стоит обратить самое пристальное внимание.

Меняем жизнь к лучшему 

И все же большинством среди  сделок по улучшению жилищных условий - являются операции по обмену жилплощади. Ведь подавляющее большинство граждан располагает той или иной недвижимостью.

Рождение детей, повышение по службе, свадьба и другие радостные события в жизни приводят к тому, что многим из нас приходится искать новое, более просторное и комфортабельное жилище.

Не секрет, что большинство сделок на вторичном рынке недвижимости - это так называемые цепочки, когда человек продает один объект, одновременно приобретая другой. Само собой разумеется, что в общей сложности за это необходимо доплачивать.

Однако все мы понимаем, что сумма, которую необходимо отдать за получение дополнительных квадратных метров, несопоставима со стоимостью отдельной квартиры.

Кроме того, в некоторых случаях при фактическом улучшении жилищных условий вам не придется платить. Это может произойти, к примеру, если вы решили поменять небольшую квартирку в центре города на загородный дом.

Видео на тему:

Улучшение жилищных условий с поддержкой государства – какие варианты?

 

 

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