Покупка квартиры в ипотеку: а стоит ли с этим связываться?

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Telderi

Ипотека
Покупка квартиры в ипотеку- звучит очень соблазнительно. Но не стоит торопиться бежать в банк.

Основная часть квартир в России покупается в ипотеку. Для большинства семей это единственная возможность приобрести жилье. Но прежде чем решиться на это, вы должны все тщательно обдумать, чтобы в будущем избежать неприятностей.

Преимущества приобретения покупки квартиры в ипотеку

• Вовсе необязательно копить деньги на покупку недвижимости. Достаточно будет суммы, равной первоначальному взносу. Как правило, это сумма равняется 10% от стоимости покупаемой недвижимости.

• При покупке квартиры в ипотеку вы имеете право на налоговый вычет, который составляет 13% от стоимости квартиры.

• Если сравнивать покупку квартиры в ипотеку с арендой, то ежемесячная сумма арендной платы практически аналогична сумме ежемесячных платежей по ипотеке. Но при этом вы платите за квартиру, которая потом будет принадлежать вам.

• Люди, которые попадают под определенную категорию, могут оформить кредит на более выгодных условиях. Это военные люди, молодые семьи и прочие.

• Возможность рефинансирования. То есть, если процентные ставки в другом банке через какое-то время снизятся, то в таком случае вы можете оформить у них рефинансирование.

• Если финансовое состояние заемщика ухудшится, вы можете рассчитывать на ипотечные каникулы – то есть отсрочку платежа.

Недостатки покупки квартиры в ипотеку

• Несмотря на то, что банки предлагают своим клиентам ипотеку на очень даже выгодных условиях, переплаты будут весьма большие.

• Кредит берётся на длительный период (до 30 лет). А за это время случиться может все, что угодно. Например, сокращение на работе и прочие финансовые сложности. В результате все это ударит по вашему семейному бюджету, и оплачивать кредит будет все сложнее.

• Если у вас возникнут финансовые сложности, и нечем будет выплачивать кредит, банковская организация имеет право отобрать недвижимость в счет долга.

• До того момента, пока вы не выплатите ипотеку, недвижимый объект будет принадлежать банку. А это значит, вы не сможете без разрешения банка её продать или сдавать в аренду.

• Ипотеку одобряют не всем. У заёмщика должна быть постоянная работа, высокая зарплата. Также заёмщик должен подходить по возрастной категории и прочим критериям. К тому же необходимо учитывать, что банки имеют право отказать без объяснения причины.

• Для получения ипотеки нужно собрать целый пакет документов, и придётся ждать решения банка, а на это может уйти несколько недель.

• Потребуются дополнительные расходы на оплату услуг нотариуса, оценщиков и страховые платежи.

• Если у вас имеется непогашенный кредит, то вам могут не одобрить ипотеку.

Стоит ли брать ипотеку: мнение экспертов

1. Прежде чем решиться на ипотеку, вы должны тщательно все продумать. Ведь ипотека оформляется на длительный период. Сопоставьте свой доход и сумму ежемесячных платежей. Они не должны превышать 50% от месячной зарплаты.

2. Если у вас есть стабильный доход, надежная работа и уверенность в завтрашнем дне, то в таком случае стоит задуматься об ипотеке. Что касается места работы, то наиболее предпочтительным будет государственное учреждение, а не индивидуальный предприниматель.

Итог

Как видите, покупка квартиры в ипотеку имеет намного больше недостатков, чем преимуществ. Поэтому, если вы решились на покупку квартиры в ипотеку, ещё раз все тщательно обдумайте и если вас все устраивает, то дерзайте. Вперед, к своей мечте! Всегда рада вашим комментариям, вопросам, дополнениям.

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