Рассрочка на квартиру: плюсы и минусы

Автор: admin  //  Рубрики: Новостройки

Рассрочка на квартиру 1

Рассрочка на квартиру: плюсы и минусы

Отнюдь не все покупатели жилья имеют в наличии денежную сумму, необходимую для полной оплаты задуманной покупки. Однако не стоит забывать, что существуют такие формы оплаты как рассрочка на квартиру и ипотечные кредиты.

Правда, как и в других «квартирных» делах, у них есть свои плюсы и минусы! Давайте разбираться.

Скорость оформления

Как мы уже неоднократно подмечали, самым простым и выгодным способом покупки  квартиры является единовременная полная оплата ее стоимости. Но, как только что  было сказано выше, такую покупку может позволить себе далеко  не каждый.

Следующим  вариантом является ипотека, ну а третьим – рассрочка на квартиру. Причем необходимо отметить, что последний способ подходит, как правило,  покупателям с высоким, а главное со стабильным уровнем дохода. Или же  тем покупателям, у кого на руках уже находится денежная сумма от реализованного жилья.

Требования к первоначальному взносу по рассрочке, как правило, составляют не менее 50% от общей стоимости, а иногда и более. Сроки выплат – обычно, от 3-4 месяцев до 2 лет.

При этом, необходимо подчеркнуть, что рассрочка на квартиру по сравнению с ипотекой дает возможность рассчитаться за недвижимость намного быстрее, а главное, со значительно  меньшими переплатами.

Рассрочка на квартиру 2

В пользу данного метода говорит и тот факт, что Вам не придется  собирать огромного числа справок и документов, подтверждающих Вашу платежеспособность. Все, что от Вас потребуется, так  это паспорт.

Разберемся с  выплатами

Отметим, что краткосрочной рассрочкой на квартиру обычно считается рассрочка, которая не превосходит 6 месяцев. В свою очередь долгосрочная, как правило, ограничивается двумя годами.

Отметим важный факт - самый малый срок рассрочки 3 месяца. На меньшее время рассрочки не предоставляются.

Причем разница тут не только в самих сроках. Обычно, выплаты по долгосрочным рассрочкам происходят под определенный процент. Ну  и величина первоначального взноса, разумеется, тоже будет иной.

Первоначальный взнос при долгосрочной рассрочке на квартиру часто устанавливается на уровне 20-30% от полной стоимости. В то время как  первый взнос, составляющий пятьдесят и более процентов стоимости покупки, типичен для  краткосрочной.

Однако бывают случаи, когда застройщики и  для краткосрочной рассрочки утверждают небольшой первый  взнос.

Очень важно правильно разобраться с тем, как происходит начисление процентов. Применяются разные формулировки. В частности, 1% в месяц на оставшуюся сумму или же -  12% годовых. Не искушенному покупателю обычно кажется, что это одно и тоже. Однако, если поразмыслить, то Вы поймете, что в последнем случае наш покупатель заплатит больше.

Особенности договоров

На сегодняшний день применяются три основных варианта покупки квартир в рассрочку: по договору об участии в  жилищно-строительном кооперативе (ЖСК), по договору участия в долевом строительстве (ДДУ) и по предварительному договору купли-продажи (ПДКП).

Необходимо подчеркнуть, что по ПДКП покупка оформляется, если квартира уже готова и, более того, сдана в эксплуатацию. Проведение сделки по  договору такого типа на более ранних стадиях строительства может быть крайне рискованной.

Особо стоит подчеркнуть, что на время выплаты рассрочки на квартиру права покупателя на жилье ограничены.

Точные формулировки определяются каждым застройщиком индивидуально, но, как правило, они таковы: в случае,  когда дом сдан и заселен, однако покупатель еще полностью не расплатился, он вправе жить в квартире, но не может ее продавать, сдавать, производить в ней перепланировку помещений, да и, элементарно, делать в ней ремонт.

А вот предостеречь покупателя от всевозможных ошибок и недоразумений может лишь доскональное изучение договора.

С уважением, Андрей Ляпустин

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