Взять кредит и жить в своем доме, или откладывать деньги на свою мечту?

Автор: Копица Александр — генеральный директор

Многие откладывают зарплату в течение многих лет, постепенно поэтапно строят дом, тратят на это годы, продолжая мечтать о жизни в нем. Но я предлагаю рассмотреть вариант, когда деньги на строительство дома можно взять в кредит. Выгодно ли это? Какие плюсы? Давайте рассмотрим данный вариант более подробно и сравним цифры:

Итак, стоимость дома под ключ, площадь которого составляет 150 кв. м., может существенно различаться, но возьмем за основу приблизительно 5 000 000 руб. При этом, под словосочетанием «ПОД КЛЮЧ» я подразумеваю: заехал и живи.

Каждый банк предлагает разные процентные ставки. Возьмем за основу среднюю ставку — 10,4 % годовых на 7 лет. Такая ставка — это реальное предложение от банка на сегодняшний день.

За 7 лет выплат по кредиту Ваша переплата с учетом страховки составит 2 900 000 руб. Итого, общая сумма к выплате составит 7 900 000 руб. Инфляция в год в среднем составляет 7%. Таким образом, за 7 лет Ваш кредит, первоначальная сумма которого была 5 000 000 руб., с учетом инфляции составит 2 450 000 руб.

С учетом нестабильного положения цен на товары, постоянно растущих цен на бензин и древесину, повышение курса валют и т.д., сумма к выплате может быть гораздо больше. Так, например, рост цен на древесину с начала 2018 года за 6 месяцев составил 15%, с 7 900 руб. до 9 000 руб. за 1 куб.м. доски естественной влажности.

Итого, 7 900 000 руб. кредитных за 7 лет, против 7 490 000 руб. с учетом инфляции, и это, возможно, не предел. Сумма ежемесячных платежей составит 94 050 руб.

Например, среднестатистическая семья покупает квартиру площадью 50 кв.м. по ипотеке, стоимость которой составляет 5 000 000 руб., без учета отделки. Семья будет платить в месяц примерно такую же сумму, что и в нашем расчете с домом, но жизнь в своем доме будет значительнее комфортнее, ведь его площадь составляет 150 кв.м.!

После несложных вычислений мы получаем, что сумма переплаты составляет 410 000 руб. Это хороший показатель, учитывая, что Вы уже, как минимум пять с половиной лет, сможете комфортно жить в своем доме!

Помните, выбор за Вами! Стройтесь с умом! Стройтесь — с профессионалами!

           

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