How to buy an apartment, if there is no money, to a young family?

Most often, young families have to wander through small rooms or live with their parents, which is why the number of divorces increases. On the individual housing, many couples have only to dream, but own housing is a realistic dream! How to buy an apartment if there is no money? It is this problem that we will solve in this article.

Preparatory stage for getting an apartment

It is necessary to dream about an apartment correctly, namely, to paint your dream for goals and tasks. Therefore, you need to answer the following questions.

• The apartment will buy for cash or borrow on credit? If for cash, then make a list of people from whom you borrow on interest or without them, and for how long. If you take a loan, then register banks (name, contact details and mortgage rate with a term).
• In which district do you want to buy housing? How many rooms will be in the apartment? What kind of area do you want?
• How much money do you need for housing in the desired area? For example, you want to buy a 1-room apartment, so in a specific area, you call all the ads to clarify the price policy.
• How can I get additional income? How long will it take to receive the required amount?

This stage lasts until the young family gets a mortgage or buys an apartment. Therefore, it may take several years or several months. But you need to constantly keep abreast of the cases! That is, there are different stocks in banks where families with income of 15-20,000 rubles per month can pass without guarantors.

Or there will be housing, where the owners immediately move to live abroad and sell an elite apartment with furniture for a penny. But to "catch luck by the tail", you need to constantly ring up all the banks, people you know and on private ads.

How to buy an apartment if there is no money for a mortgage?

Many banks do not miss young families because of their low solvency. For example, in Sberbank, strict requirements for a mortgage loan: for a family of 3 people, the income must be at least 45 thousand rubles, two guarantors with no less income and lack of loans and a bunch of certificates of documents.

In this case, how to buy an apartment without money? Look for banks where the action is taking place on new buildings (for secondary rates, rates are higher and requirements are more stringent), when a family with a monthly income of 20 thousand rubles can get a mortgage for 15 years with a 12% interest rate without guarantors with a minimum package of documents (a personal income tax certificate on incomes for Half a year, copies of the passport, work record book and diploma of education). This is due to the fact that in the period of the action banks do not take into account the expenses of the family, but only look at the profitability.

We take a mortgage, where can I get money for a contribution?

Mortgage is the main way to buy an apartment if there is no money. The down payment requires a minimum of 10% of the cost of housing. At present, there are companies that build new buildings from 950,000 rubles. Then the initial installment is enough to collect 95 thousand rubles.

This amount can be collected by cash on your own. For example, maternity benefits and maternity leave can make up the amount of the down payment. If the family is waiting for a second child, then it can receive maternity capital, due to which it is possible to reduce the mortgage rate.

Once you have decided on the bank, you hand over the documents and wait for the management's decision. After receiving a loan, a few more months (3-6) are gradually collecting documents for getting an apartment in the property, which will be advised by different specialists from the developer and the bank.

Therefore, in order for your dream to come true, you need to make a plan of action, weighing each decision, and go to the intended goal, not turning off, finding new opportunities! Only in this case the question: "How to buy an apartment, if there is no money, in just a couple of years?" - will not put you at a dead end.