Размышления об аренде жилья

Автор: admin  //  Рубрики: Аренда жилья

Размышления об аренде жилья

Жилье  растет  в цене. Быстро или медленно – не существенно.  Дешеветь,  во всяком случае, оно не собирается.

И вкладывать деньги в жилую недвижимость – тоже, казалось бы, хорошая  мысль.  Однако, есть люди, которые полагают, что аренда жилой недвижимости – воистину удачный ход.

Для примера, отчего это  на западе принято полагать, что аренда жилья – это хорошо. А в России это считается  кабалой, причем, хотелось бы, – временной.

Тем не менее, если вдумчиво покопаться на сайтах о недвижимости за границей, то можно удостовериться, что там жилье вряд ли дороже, чем в нашей стране.

Бесспорно, что аренда жилой недвижимости выгодна тем, кто живет мобильной жизнью. Поэтому на Западе оседлость не принято считать как нечто правильное.

Это мы привыкли жить в родной деревне до самой смерти и, не помышляя о переселении в более перспективные места. При этом на тех, кто выезжает и приезжает на ПМЖ, привыкли смотреть как на инопланетян.

Кроме того, мы не привыкли подыскивать себе  работу в других городах. Мы будем, если уж в родном городе ничего не нашлось, сидеть и ждать, а вдруг возникнет шанс найти перспективную работу рядом с домом.

Проведенные исследования утверждают, что среднестатистический американец переезжает на новое место более десяти раз за свою жизнь.

Причем этот показатель не зависит от того, сколько ему лет. Разве что на пенсии они, в конце концов, начинают отдыхать.

Помимо этого, на Западе люди немного иначе относятся к финансовым рискам. Они больше привыкли рисковать, гораздо меньше размышляют о «черном дне», не силятся копить и сидеть на сколоченном состоянии.

И ведь нельзя сказать, что всевозможные финансовые кризисы их обходят стороной. Нужно отдать должное нашим согражданам: финансовые кризисы мы переносим легче.

В моральном плане, разумеется, а не в финансовом.

Если спросить «среднего» американца, куда он предпочитает вкладывать деньги, то он ответит, что в собственное развитие или образование, но ни как не в недвижимость.

Те не менее, и немец, и американец, и японец согласятся с тем, что в определенном возрасте, на конкретном этапе развития, имеет смысл осесть в каком-то определенном городе и  считать его своим родным.

А если появится возможность найти высокооплачиваемую работу в другом месте, то в тот, «родной», можно вернуться  всегда. Но это только, если что-нибудь произойдет: болезнь, потеря работы, кризис.

Пока специалист относится  к категории «молодой», он будет снимать квартиру. Потому что на среднестатистическую зарплату, будь она хоть сорок, хоть восемьдесят тысяч, купить собственную квартиру невозможно.

А в случае, если молодой человек возьмет ипотечный кредит, приобретет жилье (отнюдь не в центре города), то он вынужден будет трудиться исключительно на жилье.

И довольно долго. Во всяком случае, до тех пор, пока не  перестанет быть «молодым» специалистом.

Большинство экспертов сходятся во мнении, что на сегодняшний день нет смысла приобретать жилье в ипотеку, если имеющиеся в наличии средства могут потребоваться на что-то другое – развитие бизнеса, образование, инвестиции, и т.д.

Разумеется, все сводится к размеру имеющихся в наличии финансов. Если средств достаточно на квартиру без ипотеки, то смысл приобретать есть. Если их хватает на большую часть жилья, то имеет смысл брать ипотеку.

А вот если несложные вычисления покажут, что в течение ближайших тридцати лет Вы будете работать исключительно на выкуп квартиры, к которой вы уже элементарно привыкли, то стоит, наверное, и подумать.

Но это совсем не означает, что не надо думать о будущем.  В нем, обязательно будет место и семье, и собственной квартире.

Важно результативно прожить тот отрезок времени, когда можно накопить, а потом, на следующем этапе, выгодно потратить.

Такие вот несколько грустные мысли приходят в голову при поиске обоснования необходимости аренды. жилья.

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288 комментариев к записи “Размышления об аренде жилья”

  1. Владимир сказал:

    Благодарю Вас за информацию! Желаю удачи!

  2. Диана сказал:

    Очень интересный и необычный взгляд на этот вопрос!

  3. Laralaram сказал:

    Вы правы, на Западе немного по-другому… Снимают жильё основная масса… Люди мобильные! Покупать недвижимость желание есть, но снчала должна быть финансовая база… Так что не бегом и не сразу!

  4. Артем сказал:

    Выбор действительно сложный, либо квартира, либо развития себя. В России платежи по ипотеки сопоставимы с платежами за аренду. Поэтому, есть смысл взять ипотеку. Платить её, конечно, нужно быстрее графика платежа. Иначе стоимость вырастает в 2-3 раза.

  5. Татьяна сказал:

    Когда иностранцы узнают ставки по нашим ипотечным кредитам, то берутся за голову. У них (например, во Франции, это 3,5% годовых, а у нас 20%!) Я не знаю, как ситуация в России с этим обстоит. Но в Украине это — грабеж. Я в свое время долго снимала квартиру и сейчас очень счастлива, что у меня есть свое жилье.

  6. Алена С сказал:

    Удобно, когда у государства арендуешь квартиру. Только у нас с этим сложно. Не так просто снять квартиру — везде грабят, что владельцы квартиры, что агенства. Что бы снять квартиру нужно три оплаты отдать единовременно, а потом еще платить ежемесячно так, как можно платить за ипотеку, живя в своей квартире. Так что разница есть. Тридцать лет платить чужому дяде, у которого могут посмеяться планы и он может тебя выставить в любой момент, или , по крайней мере, платишь уже за свое жилье. Так что для нас ипотека предпочтительнее.

  7. Владимир сказал:

    Класс, спасибо большое за статью! Очень интересно.

  8. Людмила Плехова сказал:

    Говоря откровенно, после прочтения статьи легче не стало. У нас та же ситуация, молодежь получает слишком мало, чтобы купить себе жилье, пенсионер тем более. Расчет только на то, что осталось после Советского Союза. В нашем городе Кривом Роге на Украине за все постсоветское время построено всего два жилых дома, да и те элитные, квартиры в которых до сих пор не выкуплены, так как цена заоблачная. остается старый жилой фонд, который постепенно высвобождается, поскольку смертность велика, а наследники не всегда в состоянии оплачивать комуналку, зато при сдаче в аренду все довольны.

  9. Юлия сказал:

    Взгляд на аренду жилья , действительно, необычный, как-то с этой точки зрения никогда об аренде не думала. Статья понравилась глубиной раскрытия темы и неординарностью.

  10. Наталия сказал:

    У нас аренда квартиры очень сложна, а купить новую еще труднее.

  11. Анатолий сказал:

    В нашей стране, я имею ввиду Россию, все поставлено с ног на голову и положение все ухудшается благодаря «мудрым» руководителям.

  12. Нина сказал:

    Цены за квартиры свои и цены за съемные квартиры практически одинаковы.

  13. Laralaram сказал:

    я не скажу, что всё так просто… иногда что плату за аренду, что ипотеку платить… но проценты!!! И потом здесь так — твои долги — ты и парься, а если съёмное жильё и ты несостоятелен, то государство минимум проживания обеспечивает…

  14. Alexandr сказал:

    у американцев 10 раз на новое место, а у нас три раза — роддом,родительская квартира или съемная и кладбище.. 🙁

  15. Ольга сказал:

    Ой, какой же это для меня больной вопрос!

  16. Petr2 сказал:

    Доброго, Андрей! Спасибо за за комментарий на моем блоге и ссылку. Только у меня она уже есть и статья по этому поводу: http://amrant2.ru/besplatnyiy-trafik-na-blog.html. Это статья вышла больше года назад. Я тогда был у Татаркина № 000796, Вы сейчас 032249, так, что за год действительно блог раскрутился, только блог самого Татаркина, с нашей помощью. Поэтому бросьте это дело раскручивать чужих дядей, пускай сами становятся богатыми, самый реальный из бесплатных способов, это обмен комментами с коллегами.

  17. admin сказал:

    А я не «волшебник» — я только учусь

  18. Tatiana сказал:

    Не считаю ваши мысли такими уж глупыми во многом согласна. Мои взгляды на все это поменялись после того как воотчию увидела, что такое кризис и как люди купившие жилье в кредит до кризиса теперь не могут платить за жильеи им приходится отдавать кравтиры банкам, выплаченые ими деньги за жилье банками не возвращаются, так что в чем разница живешь ты в квартире котороя арендована или куплена в кредит?!

  19. Olga сказал:

    Люди у нас такие, менталитет совковый. Если у тебя своя квартира, то вроде как и обеспечен, люди на тебя с уважением смотрят, а если снимаешь квартиру, то ничего у тебя нет и ты вообще бездарная личность и ничего в жизни не добился.

  20. Жанна сказал:

    «Важно результативно прожить тот отрезок времени, когда можно накопить, а потом, на следующем этапе, выгодно потратить.» — как это правильно сказано! На своем опыте убедилась, что лучше по максимуму накопить и не влезать в ипотеку без крайней необходимости.

  21. Юрий сказал:

    Нам не надо равняться на граждан США. У них своя жизнь, а у нас своя. И переезжать в другой город в поисках работы для нас равносильно переезду в другую страну. Так как на работу сейчас берут преимущественно по знакомству. А кому мы нужны в чужом городе? Никому. За редким исключением конечно. Поэтому с самого начала надо стремиться приобрести своё жильё и желательно в родном городе. Такое моё мнение.

  22. Надежда Введенская сказал:

    Я за свое жилье. Знаю, что такое общежитии, арендованные квартиры, но все равно со своим это не сравнится.

  23. MargaritaLuka сказал:

    Мы с мужем хотели взять жилье в ипотеку по программе «Молодая семья» , но как посчитали, что после взятия под такие % мы просто будет не жить а как то перебиваться и на шее будет висеть огромный долг, это ужасно. Сейчас снимаем жилье и все ок, ездим в отпуска по РФ и за границу, хорошо одеваемся. а про ипотеку забыли.)))

  24. Полина сказал:

    Моя мама всегда говорила — ешь чёрный хлеб с водой, а свой угол обязателен, независимо, стар или молод

  25. Анатолий сказал:

    а я вот очень хочу иметь свое жилье… надоело снимать квартиру

  26. Сергей сказал:

    Действительно, свое жилье как-то надежнее и комфортнее.

  27. Лана сказал:

    Аренда сложная штука, лучше уж кредит наверно

  28. Lada сказал:

    Для россиян это такой тяжёлый вопрос! Людям приходится идти на свой страх и риск, — хорошо, если повезёт. Примеров вокруг достаточно.

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