Each of us several times during his life goes through such an event, as repairs.Of course, the glue wallpaper in the rooms can be quite common, and it is really cope on their own and small means.Minor repairs are usually afoot when home interiors tired, or there are any defects.
question of major repairs apartment or house associated with major time and cost usually arises in two cases.
- Repair new apartment
- When still needed overhaul
- money to repair
- purpose loan
- Trust loan for housing repairs
- Mortgage and repair
The most obvious reason for the repair is to buy a new home.If we talk about buying an apartment in a new building, the amount of work that will make future Novoselov, barely possible to limit the term "repair".After all, the new apartments today - is the bare walls.At best, there are interior partitions.The first thing that would have puzzled the new owners - the creation of a desig
It should be noted that almost any organization engaged in the construction of houses, certainly will offer repair services for apartments.At the same time all the difficulties with the approval of the design project of the company is also ready to take over.In practice, it turns out that such services "accredited" repair organization will be about 20% more expensive than the average market cost of repairs.
In any case, the cost of repair of an apartment in a new building will cost approximately 7-12% of the total value of the apartment, depending on the discerning owner and the state in which rented apartment.
When still need major repairs?
acquisition of apartments in the secondary market is likely, too, will be an occasion for the big repairs.In addition, the apartment, inherited from grandparents and other relatives, too often do not meet the requirements of the new owners.In time and costs comparable repair of old apartments in a newly renovated.
Well, in the end, tired of all the usual conditions, and repair decaying within 5-7 years.Current repairs can be carried out in stages.For example, you can put in order first one in the room, then the other, the kitchen, bathroom and so on.You can break repair in all apartments by type of work, for example, start with the ceiling, then Staley parquet in all rooms, put the tile.
However, repairs, they say, "no evacuation," creates a lot of household problems.That's why people started repairs in the apartment in which they now live, there is a natural desire to finish this process as soon as possible.
money to repair
In each of the situations, the question of where to get enough money for repairs will be very acute.When buying a new home all funds are often directed to purchase housing.If the apartment or house to buy on credit, future settlers burdened monthly payments and possibly debt, which had to climb in order to gather the required down payment.Save enough amount of repair is very problematic.And the decision to end a long planned repair in his own apartment as soon as possible would also require a large amount of money.
Nowadays, people have felt some stability, therefore, no longer afraid to take credits, including the very long term.It is logical to assume that the repairs can be done on credit.
consider various options for loan programs to repair the apartment or house.
The most obvious option for a person start a repair becomes normal clearance misuse or, in other words, a consumer loan.Outset that this option, although an obvious and convenient, but not the only one.
Consumer credit - a standard financial product that can offer any bank.The main disadvantage of the consumer credit is very high in comparison to other types of lending, the interest rate.The average interest rate on non-earmarked loans are now hovering around the level of 20 to 25% depending on the specific program and a financial institution.At the rate also affects the amount and maturity of the loan, as well as the history of the borrower.
is attractive consumer credit for repairs, above all, ease of preparation.
for its design needs a minimum package of documents.There are even programs that do not require proof of income.True rate on such loans, of course, will be much higher.After all, the bank risks ...
When making consumer credit more often than not need guarantors.
It is important that in the preparation of consumer credit, the borrower will not have to answer to the bank and account for the money spent.
This option is very useful if you are going to carry out repairs on their own.If you decide to bring your home to the beautification of individuals opt for cheaper construction crew, which has no official license for their work, you will not be able to provide the bank documents confirming that the money has been spent on repairs.
However, consumer credit has some limitations.Quite difficult to get a loan in excess of half a million rubles.In addition, the maturity of the consumer credit more stringent than targeted credit programs.
So take credit for the repair costs in the event that the amount you need not too large (up to one million rubles), do you intend to repay the loan within 1-3 years, and to the repair work are not going to attract specialized repair office.
Consumer loans are presented in Tyumen Online Sravni.ru.Here you can get the latest information, competent advisers always will help.
Trust loan for housing repairs
In that case, if you are going to spend serious repair work with professional construction crews, and estimates for repair, according to your calculations, exceeds the mark of one million rubles, you should think about how toissue a loan target for overhaul.This option would be beneficial in the event that repayment of the loan you want to stretch for more than one and a half years.
The fact is that for a small amount of the loan or a short term target to take credit for home renovations unprofitable.
renovation loan require the borrower to fulfill a number of requirements.There are 2 types of the loan for the repair: a pledge of property and with the assistance of the guarantors.
for a loan with the most favorable credit rate can be expected at registration of property, which is subject to repair, as collateral.It should be immediately note that the procedure of registration of pledge is quite lengthy, time-consuming and is not free.Pledge registration will entail costs to the estimated housing, insurance, payment intermediaries.If the amount is large, a pledge to draw profitable.And in the case of a loan for a small amount of redecorating, you are going to return in a few months, these costs exceed the interest and commissions misuse of credit.
Do not forget that registration of a lien on the property - it's quite a risk.In the event of unforeseen circumstances, you need to be absolutely sure that the repair will not deprive your home.
Trust loan for repairs can also be decorated with the help of the guarantee.In this case, the interest rate will be slightly higher than in the case of a pledge.Repair of home loan demand in this case, a set of documents confirming the target spending.You will need to enter into a formal contract agreement with the repair organization licensed.Additionally, your contractor must be approved by the bank.Also, you will need to provide receipts for all building materials.
In this and in another case, lower the interest rate of the loan will help the scheme under which the bank will not give you cash.The bank can transfer the money directly to an approved firm that will carry out repair work.
In considering an application for a loan target for housing repairs, the bank will also take into account the level of income of the borrower.The individual programs are expected to consider the total income of the spouses, or homeowners, which will be repaired.
rate when granting a loan to repair the target will be significantly below the rate of consumer credit, and slightly higher mortgage rates.
Mortgage and repair
If you Bank approved a loan to buy an apartment or house, you can consider the option of including the cost of repairs in the amount owed on the mortgage.If the apartment is pledged to the bank, and the maximum initial fee, the collateral value of the apartment is substantially less debt.In this case, the bank can to meet the client, proposing to include in the program of mortgage such an option as a loan to repair.True
a bonus may be slightly adjusted interest rates are not in your favor.A repair is carried out, is likely to have by the company cooperating with the bank or with a construction company.
Summing up, it should be said that credit repair - a good opportunity to realize their dreams to create a cozy home in a short time.You do not have to save money and feel sorry about how they depreciate every day, and repair services become more expensive.
Interest on the loan - a payment for life here and now.A variety of loan program depends on your capabilities and scale of repair work.