If before housing was given from the enterprise, from the state, in order of priority, now it has become practically unrealistic. How to save up for an apartment for young people who do not have a down payment and maternity capital? How can I save and how to earn extra money?
The question of how to save up for an apartment is asked by thousands, millions of people.
One of the most common methods is working abroad, austerity regimes and sending money to your homeland (or replenishing a bank account). Many so-called "labor migrants" are trying to collect the necessary amount, "working hard" for four in the West. Nevertheless, without even having the full cost of housing, you can take a mortgage. Banks are constantly softening 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." Entrepreneurial people who have at least a small housing, try to rent it out, and save the money received for rent to purchase a new or repay a loan.
The second option is to shoot where it’s cheap, to set the regime of the strictest economy. Try to use free services and purchase only inexpensive goods. If you save at least seven to ten thousand rubles a month and do not spend them under any circumstances, after a few years we will have an initial payment and the question of how to save up for an apartment will be resolved. For these purposes, for example, one can assign the entire salary of one of the spouses or additional earnings. But within a few years it will be necessary to deny yourself much, deprive yourself of "innocent pleasures" and small joys. 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, I want to separate from my parents as quickly as possible, and it seems impossible to wait ten to fifteen years. And here all sorts of offers of the game on the stock exchange, on Forex, the use of savings funds come to the rescue. Of course, there are real examples of how several successful deals at times can increase the 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 an exchange requires not only knowledge, iron nerves and following a strategy. It is also associated with elementary luck or luck. Some manage to "drink champagne", others lose everything. Ready for risk, but don’t want to take full responsibility? Think about special bank deposits with a guarantee of return. These institutions specialize in capital appreciation.
Can I save for an apartment on regular deposits? It is unlikely that now the rates practically do not exceed the
level of inflation. But if you acquire investment units - that is, in fact, you give the bank the right to decide where to invest, then with a successful distribution of the portfolio, the chances of making money on the exchange increase. However, when considering various options, how to save up for an apartment, you should always remember about
risk assessment. For example, if earlier investments in precious metals were considered the most reliable investment, then over the past two years gold has fallen strongly - almost one third (and silver more than half) - has fallen in price.
It is much safer to organize your own business and establish trade. This is perhaps one of the most reliable ways to quickly save up for an apartment. It is worth looking for a profitable niche, good suppliers. Establish a sales channel. Trading can always make a profit. It is only necessary to always remember compliance with laws and fair competition.