How to save up for an apartment: advice for young people

If earlier housing was given from the enterprise, from the state, in the order of the turn, now it became practically unreal. How to save money for young people who do not have a down payment and maternity capital? What can be saved and how to earn additional funds?

The question, how to save up for an apartment, is set by thousands, millions of people. One of the most common ways is working abroad, austerity and sending money back home (or replenishing a bank account). A lot of so-called "labor migrants" are trying to collect the right amount, "sticking" for four in the West. Nevertheless, even without having the full cost of housing, you can take a mortgage. Banks constantly mitigate the conditions for obtaining a loan. Therefore, the question of how to save up for an apartment, turns more into the task of "how to pay a mortgage." Enterprising people who have at least a small dwelling, try to take it out, and leased funds for the purchase of a new loan or repayment of the loan.

The second option - to shoot where it is cheap, to establish a regime of the strictest savings. Try to use free services and purchase only inexpensive goods. If you postpone at least seven or ten thousand rubles per month and do not spend them under any conditions, in a few years we will have an initial payment and the question of how to save up for an apartment will be settled. You can, for example, assign all the salary of one of the spouses or additional earnings for this purpose . But within a few years will have to deny themselves in many ways, deprive themselves of "innocent pleasures" and small pleasures. Are you ready for such a life?

How to save up for an apartment quickly and painlessly - this question torments many of our fellow citizens. After all, you want to secede from your parents as quickly as possible, and to wait ten to fifteen years seems impossible. And then come to the aid of various offers of the game on the stock exchange, on Forex, the use of savings funds. Of course, there are real examples of how several successful transactions at times can increase starting capital. However, do not forget that if our main problem - how to save up for an apartment - you need to carefully and carefully weigh all the risks. Playing the stock market requires not only knowledge, iron nerves and the pursuit of strategy. It is also associated with elementary luck or luck. One manages to "drink champagne," others lose everything. Are you ready for risk, but do not want to take full responsibility? Think of special bank deposits with a return guarantee. These institutions specialize in the multiplication of capital. Can I save up for an apartment on ordinary deposits? Hardly, now the rates do not almost exceed the level of inflation. But if you buy investment shares - that is, in fact, give the bank the right to decide where to invest, then with a successful allocation of the portfolio, the chances of earning money on the stock exchange increase. However, considering the various options, how to save up for an apartment, it is always worth remembering the risk assessment. For example, if earlier investments in precious metals were considered to be the most reliable investment of capital, in the last two years gold has strongly - by almost one third (and silver more than half) - fallen in price.

It is much safer to organize one's own business and establish trade. This, perhaps, is one of the most reliable ways how quickly to save up for an apartment. It is worth looking for a profitable niche, good suppliers. Establish a sales channel. Trade can always bring profit. It is only necessary always to remember the observance of laws and fair competition.