Как накопить на жилье в кооперативе

Автор: admin  //  Рубрики: Городская недвижимость

Жилищный кооператив

Как накопить на жилье в кооперативе

Заплатить  сразу полную стоимость за свою будущую квартиру мало кто в состоянии - большинство наших сограждан надеются  приобрести жилье в кредит или в рассрочку. Сегодня мы рассмотрим с вами вопрос – что такое жилищный кооператив, какие формы кооперативов бывают, чем они отличаются, какая сумма потребуется и  каковы риски.

На сегодняшний день можно выделить три основные разновидности  кооператива: жилищно-накопительный (ЖНК), жилищно-строительный (ЖСК) и потребительский (ПК).

Чем они отличаются

ЖСК, изначально, организовывается  для возведения конкретного дома (иногда его нарекают «кооперативом одного дома»). Функция ЖНК - обеспечение членов кооператива жильем как таковым: посредством строительства дома или  путем приобретения квартир.

Различаются также и схемы оплаты недвижимости. В ЖСК все члены кооператива либо сами полностью платят за строительство дома, либо кооператив заимствует часть необходимых денег в банке.

В отличие от них лица, состоящие в  ЖНК, организуют самостоятельный «общий котел».

По мере накопления требуемых денежных сумм (за счет сумм, вносимых новыми членами кооператива), часть средств идет на покупку жилья для членов кооператива, ранее в него вступивших.

Следовательно, всем членам жилищного кооператива приходится некоторое время дожидаться своей очереди, предоставляя кооперативу (а на деле другим его членам) использовать собственные внесенные средства.

При этом нужно помнить, что по закону накопительным кооперативам разрешено приобретать квартиры для пайщиков не ранее двух лет со дня вступления в кооператив.

Потребительский  же кооператив, в отличие от ЖСК  и ЖНК,  не имеет таких  жестких «рамок». И, как следствие, в таких жилищных кооперативах существует вероятность получить квартиру в собственность менее чем  через полгода после вступления в ПК.

А размер денежной суммы,  которую потребительский кооператив субсидирует при покупке жилья, может достигать 70 процентов.

Возможные риски и как им противостоять

Необходимо иметь в виду: что пайщик в состоянии рассчитывать на предоставление квартиры, после внесения не менее чем 30% от его цены.

Во-вторых, до окончательной  выплаты пая (то есть стоимости квартиры) недвижимость, как правило, является собственностью кооператива, и в случае, если он обанкротится и будет ликвидирован, то вся его собственность, в том числе жилые объекты, будет распродано для погашения долгов.

Этот риск может быть значительно снижен, если Вы вступили в надежный жилищный кооператив с опытным управленческим аппаратом. Особенно обращаем Ваше  внимание на тот факт, что чем меньше рассрочка и скорее вы погасите  ссуду, тем быстрее Вы получаете жилье в собственность, и она делается «неприкосновенной».

Жилищный кооператив 1

В чем преимущество кооперативов

Во-первых, вступить в кооператив значительно легче, чем подключиться к ипотеке. Стать пайщиком может фактически любой человек - достаточно иметь паспорт и достичь 16 лет. Даже подтверждения величины Ваших доходов не потребуются.

Во-вторых, существенно меньше будут ваши расходы на страхование, так как  в кооперативе обязателен только один вид страховки.  А вот  при ипотеке, для примера, страховок несколько.

В-третьих, самым главным плюсом приобретения квартиры через кооператив является значительно меньший, по сравнению с ипотекой, платеж за рассрочку.

В-четвертых, ввиду личного полноправного участия в деятельности жилищного кооператива все пайщики имеют возможность оказывать влияние на его действия и решения, а так же своевременно получать данные о состоянии дел. Это дает возможность контролировать ситуацию, особенно, когда необходимо вовремя продать свой пай и вернуть вложенные деньги.

Или, все-таки, ипотека?

Вы же понимаете, что самый разрекламированный вариант  покупки нового жилья, на который делают основную ставку нынешние  власти, - это ипотека. Данный  вариант имеет два основных  преимущества по сравнению с прочими схемами рассрочки:

- первый взнос за жилье  может составлять всего лишь 10 - 15%, а отдельные банки предлагают и под  7 - 8% от стоимости квартиры;

- подключившись к  ипотеке, Вы сразу получаете квартиру в собственность. И даже если банк-кредитор вылетит в трубу, то квартиру у вас никто не отнимет – и вы можете спокойно выплачивать кредит на ранее оговоренных  условиях новому собственнику банковского капитала.

И тем не менее, наравне с «плюсами» у ипотеки существуют  и «минусы», причем такие, что делают ее пока недоступной  для большинства граждан. Это:

- «тяжелые»  условия приобретения кредита: необходимо документальное подтверждение стабильных доходов, от величины которых зависит размер кредита; предоставление поручителей; решение вопросов со страховками (здоровья, жизни, права собственности), иные дополнительные расходы;

- большой размер «издержек»: возвращая проценты за использования  кредита, «ипотечник» практи переплачивает за жилье минимум процентов на 70%!

Решить все эти проблемы можно, решившись на покупку квартиры через жилищный кооператив. Однако, и здесь присутствуют  свои «подводные камни».

Важно!!!

Обязательно обратите свое внимание на то, имеется ли в  уставе данного жилищного кооператива был пункт о том, что цена квартиры фиксируется на момент ее покупки и вероятное увеличение цен на рынке недвижимости не оказывать влияние на условия погашения ссуды.

Видео на тему:

Доходное место три вида жилищных кооперативов

 

Related posts:

Метки: , ,

68 комментариев к записи “Как накопить на жилье в кооперативе”

  1. Free Dating sites сказал:

    Hey, I enjoy your site if I’m sincere. Where did you get it built?

  2. physxloader.dll сказал:

    I’m very pleased to uncover this page. I wanted to thank you for ones time due to this fantastic read!! I definitely savored every part of it and i also have you saved to fav to look at new information in your website.

  3. d3d11.dll installieren сказал:

    I like it when people come together and share views. Great blog, keep it up!

  4. windows 7 ultimate activation key сказал:

    I’m impressed, I have to admit. Seldom do I encounter a blog that’s both educative and entertaining, and let me tell you, you’ve hit the nail on the head. The issue is an issue that not enough folks are speaking intelligently about. I am very happy I found this during my hunt for something relating to this.

  5. window 7 ultimate сказал:

    Aw, this was a very good post. Taking a few minutes and actual effort to produce a great article… but what can I say… I hesitate a lot and never manage to get nearly anything done.

  6. download windows 7 ultimate product key for free сказал:

    This is the right website for anybody who hopes to find out about this topic. You realize so much its almost tough to argue with you (not that I really would want to…HaHa). You certainly put a brand new spin on a topic that’s been written about for ages. Great stuff, just excellent!

  7. steam_api.dll virus fix сказал:

    It’s hard to come by experienced people for this topic, but you seem like you know what you’re talking about! Thanks

  8. sears coupon code сказал:

    This is the right site for everyone who wishes to understand this topic. You know a whole lot its almost tough to argue with you (not that I actually will need to…HaHa). You definitely put a new spin on a topic that’s been written about for a long time. Wonderful stuff, just excellent!

  9. physxloader.dll сказал:

    Having read this I thought it was really enlightening. I appreciate you taking the time and effort to put this short article together. I once again find myself personally spending a significant amount of time both reading and posting comments. But so what, it was still worth it!

  10. d3dcompiler_43.dll windows 7 64 bit сказал:

    An interesting discussion is worth comment. I do believe that you need to publish more on this topic, it might not be a taboo matter but typically people don’t talk about such issues. To the next! Many thanks!!

  11. hal.dll archivo danado сказал:

    Greetings, I think your site may be having internet browser compatibility problems. When I look at your website in Safari, it looks fine however, when opening in I.E., it has some overlapping issues. I just wanted to provide you with a quick heads up! Apart from that, excellent site!

  12. amtlib.dll сказал:

    I was more than happy to discover this site. I wanted to thank you for your time for this particularly wonderful read!! I definitely appreciated every part of it and i also have you saved as a favorite to check out new information in your blog.

  13. msvcr80.dll not found microsoft сказал:

    I’d like to thank you for the efforts you’ve put in penning this website. I’m hoping to see the same high-grade blog posts from you later on as well. In truth, your creative writing abilities has inspired me to get my own blog now 😉

  14. d3dx9_42.dll nfs hot pursuit сказал:

    Hey there! I just would like to give you a huge thumbs up for your excellent info you’ve got right here on this post. I am coming back to your web site for more soon.

  15. edward health and fitness сказал:

    Hello There. I found your blog using msn. This is an extremely well written article. I will make sure to bookmark it and return to read more of your useful info. Thanks for the post. I will certainly return.

  16. finding business ideas сказал:

    This is very interesting, You’re a very skilled blogger. I’ve joined your rss feed and look forward to seeking more of your excellent post. Also, I have shared your web site in my social networks!

  17. healthy lunch ideas сказал:

    Nice post. I was checking constantly this blog and I’m impressed! Very useful information specially the last part :) I care for such information much. I was seeking this particular information for a long time. Thank you and good luck.

  18. Lonny Cohron сказал:

    Thank you, I have just been searching for info about this subject for a long time and yours is the greatest I’ve came upon till now. But, what concerning the bottom line? Are you certain about the source?

  19. Patty сказал:

    It actually is Maria right here. I actually need to declare that the subject of the content is very interesting. I am actually take pleasure in it! Good-job!

  20. Al Dipilato сказал:

    It is actually a great and useful piece of information. I am satisfied that you shared this useful information with us. Please stay us informed like this. Thank you for sharing.

  21. check over here сказал:

    Where students and I can post answers for others students.. Somewhere people can get answers for their quizes and tests.. No sarcastic answers or anything.. If enough people say yes, then I will definetely start one and send those people the link to the blog..

  22. best free online casino games сказал:

    Very rapidly this web site will be famous among all blogging and site-building viewers, due to it’s fastidious posts|

  23. Mafalda Beccaria сказал:

    Very interesting subject , regards for posting . «It is much easier to try one’s hand at many things than to concentrate one’s powers on one thing.» by Quintilian.

  24. Bean Bag Chairs сказал:

    Great blog here! Also your site loads up fast! What host are you using? Can I get your affiliate link to your host? I wish my site loaded up as quickly as yours lol

  25. Netbuster сказал:

    Thanks for the suggestions you have contributed here. On top of that, I believe there are a few factors which really keep your car insurance policy premium all the way down. One is, to bear in mind buying cars and trucks that are from the good report on car insurance providers. Cars which have been expensive will be more at risk of being robbed. Aside from that insurance is also good value of your truck, so the costlier it is, then higher a premium you spend.

  26. Bathroom Mirrors сказал:

    I have been reading out many of your articles and i can state nice stuff. I will surely bookmark your blog.

  27. Reynaldo Miracle сказал:

    A person essentially help to make seriously posts I would state. This is the very first time I frequented your website page and thus far? I surprised with the research you made to create this particular publish amazing. Great job!

  28. Jerrold Milligan сказал:

    Magnificent beat ! I would like to apprentice even as you amend your site, how can i subscribe for a blog site? The account helped me a appropriate deal. I have been tiny bit familiar of this your broadcast provided vivid transparent idea

  29. Otha Boettger сказал:

    Aw, this was a very nice post. In thought I would like to put in writing like this moreover – taking time and actual effort to make an excellent article… however what can I say… I procrastinate alot and on no account appear to get something done.

  30. Automobile сказал:

    Attractive section of content. I just stumbled upon your blog and in accession capital to assert that I get in fact enjoyed account your blog posts. Any way I will be subscribing to your augment and even I achievement you access consistently fast.

  31. best online shopping сказал:

    Thanks for another great post. Where else may anybody get that type of information in such an ideal approach of writing? I have a presentation next week, and I’m at the search for such info.

  32. Advocate Health Care сказал:

    I think this is one of the most important info for me. And i am glad reading your article. But wanna remark on some general things, The site style is ideal, the articles is really nice : D. Good job, cheers

  33. Interior Doors сказал:

    I actually wanted to compose a small remark so as to express gratitude to you for all of the precious advice you are posting here. My time-consuming internet look up has now been recognized with good quality ideas to go over with my family. I would state that that many of us site visitors actually are undeniably endowed to live in a fantastic community with so many perfect individuals with very beneficial strategies. I feel rather grateful to have encountered the website and look forward to really more awesome minutes reading here. Thanks once again for all the details.

  34. Garry Guillermo сказал:

    Hi, I think your website might be having browser compatibility issues. When I look at your blog in Chrome, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, excellent blog!

  35. bathroom design ideas сказал:

    I truly wanted to write down a brief remark to thank you for those superb guidelines you are showing here. My long internet research has at the end been compensated with good quality information to exchange with my friends and family. I would tell you that many of us site visitors are very endowed to be in a perfect site with many special professionals with great basics. I feel very much lucky to have discovered the web pages and look forward to so many more amazing minutes reading here. Thanks a lot once again for a lot of things.

  36. Couples Retreat сказал:

    I have been absent for some time, but now I remember why I used to love this site. Thank you, I will try and check back more frequently. How frequently you update your site?

  37. Iesha Blume сказал:

    I just couldn’t depart your web site prior to suggesting that I actually enjoyed the standard info a person provide on your visitors? Is gonna be again frequently in order to inspect new posts

  38. Audie Loparo сказал:

    I really appreciate this post. I have been looking all over for this! Thank goodness I found it on Bing. You’ve made my day! Thx again

  39. Natural Skin Care сказал:

    Hi there, I found your website by way of Google at the same time as looking for a comparable subject, your website came up, it appears to be like great. I’ve bookmarked it in my google bookmarks.

  40. porno сказал:

    I am curious to find out what blog platform you happen to be using? I’m having some minor security issues with my latest site and I would like to find something more risk-free. Do you have any recommendations?|

  41. porno сказал:

    We are a group of volunteers and opening a new scheme in our community. Your web site offered us with valuable info to work on. You’ve done a formidable job and our whole community will be grateful to you.|

  42. Buddy Pendrak сказал:

    Howdy! This is kind of off topic but I need some help from an established blog. Is it hard to set up your own blog? I’m not very techincal but I can figure things out pretty fast. I’m thinking about creating my own but I’m not sure where to start. Do you have any ideas or suggestions? Cheers

  43. Lakia Igartua сказал:

    I have read several good stuff here. Certainly worth bookmarking for revisiting. I wonder how much effort you put to create such a wonderful informative site.

  44. online casino paypal сказал:

    Thank you a lot for sharing this with all of us you really understand what you are talking about! Bookmarked. Please also consult with my web site =). We can have a hyperlink change arrangement among us|

  45. sbobetasia login сказал:

    Wow, this piece of writing is good, my sister is analyzing these kinds of things, thus I am going to tell her.

  46. fashion dress сказал:

    I am now not positive the place you are getting your information, however great topic. I must spend a while learning more or working out more. Thank you for excellent info I was on the lookout for this info for my mission.

  47. beauty product samples сказал:

    Needed to post you this bit of remark to help give many thanks as before over the stunning information you’ve featured in this article. It was quite open-handed of you giving unhampered what a number of people would have made available as an electronic book to generate some dough on their own, chiefly seeing that you could have done it in the event you decided. These ideas also served to be a easy way to fully grasp most people have the same desire like mine to see significantly more pertaining to this condition. I am sure there are thousands of more pleasant moments in the future for many who read through your blog post.

  48. имоти сказал:

    Nice post. I learn something more challenging on different blogs everyday. It will always be stimulating to read content from other writers and practice a little something from their store. I’d prefer to use some with the content on my blog whether you don’t mind. Natually I’ll give you a link on your web blog. Thanks for sharing.

  49. australian bitcoin exchange сказал:

    Have you ever thought about writing an e-book or guest authoring on other sites? I have a blog based on the same ideas you discuss and would love to have you share some stories/information. I know my audience would enjoy your work. If you are even remotely interested, feel free to shoot me an e-mail.|

  50. Jacques Leichty сказал:

    My husband and i got very joyful that Louis managed to round up his researching from the precious recommendations he acquired when using the web pages. It’s not at all simplistic just to always be giving freely tips and tricks which often some others have been selling. So we realize we now have you to give thanks to for that. All the explanations you have made, the straightforward site menu, the relationships you will help promote — it’s got many fantastic, and it’s really leading our son in addition to us believe that that topic is amusing, which is certainly especially vital. Thanks for the whole thing!

  51. Accident Lawyer сказал:

    You can certainly see your skills within the work you write. The sector hopes for more passionate writers like you who are not afraid to mention how they believe. At all times go after your heart.

  52. Games сказал:

    You made a number of fine points there. I did a search on the theme and found most persons will consent with your blog.

  53. Kirkland Dentist сказал:

    Nice post. I learn something totally new and challenging on websites I stumbleupon every day. It will always be exciting to read content from other authors and practice something from other web sites. |

  54. just click the up coming page сказал:

    Whoa! This blog looks exactly like my old one! It’s on a entirely different topic but it has pretty much the same layout and design. Wonderful choice of colors!|

  55. best adjustable beds сказал:

    I’ve mistakenly changed my admin priveleges on one of my blogs to «guest». I need the blogger people to restore it. I cannot find an actual email or contact form anywhere, and I’ve googled everything, including the Blogger Group on Google Groups, where they try to push everyone who needs support. I would gladly pay them for better service..

  56. Jacob сказал:

    Fantastic blog! Do you have any hints for aspiring writers? I’m hoping to start my own website soon but I’m a little lost on everything. Would you propose starting with a free platform like WordPress or go for a paid option? There are so many choices out there that I’m completely confused .. Any tips? Appreciate it!|

  57. additional hints сказал:

    I’m now not positive the place you are getting your info, but great topic. I must spend some time finding out more or working out more. Thanks for fantastic information I used to be looking for this information for my mission.|

  58. best slot machine to play in vegas сказал:

    Hi there it’s me, I am also visiting this site on a regular basis, this website is in fact nice and the visitors are actually sharing fastidious thoughts.|

  59. big win slot machine сказал:

    Thanks on your marvelous posting! I certainly enjoyed reading it, you’re a great author.I will make certain to bookmark your blog and definitely will come back from now on. I want to encourage you to ultimately continue your great work, have a nice day!|

  60. play free slot machines with bonus games сказал:

    Its like you read my mind! You seem to know so much about this, like you wrote the book in it or something. I think that you can do with a few pics to drive the message home a little bit, but other than that, this is fantastic blog. A great read. I’ll definitely be back.|

  61. cool cat casino no deposit bonus сказал:

    I every time emailed this web site post page to all my friends, because if like to read it after that my contacts will too.|

  62. usa online casino сказал:

    Hi there! This is kind of off topic but I need some help from an established blog. Is it very hard to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about setting up my own but I’m not sure where to begin. Do you have any ideas or suggestions? Many thanks|

  63. double down casino free promo codes сказал:

    What’s up colleagues, its great paragraph about cultureand entirely explained, keep it up all the time.|

  64. isle casino reviews сказал:

    Its like you read my mind! You appear to know a lot about this, like you wrote the book in it or something. I think that you could do with a few pics to drive the message home a bit, but other than that, this is magnificent blog. An excellent read. I’ll definitely be back.|

  65. Health Tips сказал:

    Fantastic goods from you, man. I’ve understand your stuff previous to and you are just too great. I actually like what you have acquired here, certainly like what you’re saying and the way in which you say it. You make it entertaining and you still take care of to keep it sensible. I can not wait to read far more from you. This is really a tremendous web site.

  66. bed bugs solution сказал:

    If I start a blog on Myspace, will it get listed in search engines like Google? If so, is there a way to keep them from being crawled?. . Thank you.

  67. самолетни сказал:

    Aw, this was a really nice post. In idea I would like to put in writing like this additionally – taking time and actual effort to make a very good article… but what can I say… I procrastinate alot and by no means seem to get something done.

  68. евтини самолетни билети до амстердам сказал:

    Oh my goodness! an amazing article dude. Thank you However I am experiencing issue with ur rss . Don’t know why Unable to subscribe to it. Is there anyone getting identical rss problem? Anyone who knows kindly respond. Thnkx

Оставить комментарий