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Rent vs Mortgage, a little figure is described swedish house mafia don t you worry child here "spherical swedish house mafia don t you worry child horse in a vacuum," without taking into account any factors swedish house mafia don t you worry child other than the current market value. Http://ilyavaliev.livejournal.com/65178 27.html inspired author writes on the case, but lacks one detail, if you save up for an apartment during the rental period, at some point you still will be more profitable to take the mortgage (if we ignore the factors as mobility etc). Explained by the example of Moscow (the easiest, because mortgages can there be infinite). We have 2shku rental renovated 55m, close to the metro (2-3 minutes walk), is such a pleasure to 45.000, as Apartments next to the subway in the area and do not build blizlezhayshih, skins 5000 rent, the more I have the example of apartments, almost similar, even bigger for 5m only udaleennee from the metro (10 min transport), there is the price of just 40,000. The cost of such apartments on the market, 8.500.000 - 9.500.000, swedish house mafia don t you worry child take the finished housing (with the new building we rent intersects with the purchase, and a year or two and we are paying a mortgage and rent, there is now the desire to deepen). Take a lower cost. Mortgage payments: swedish house mafia don t you worry child a minimum fee (850.000r) rate of 12% and a term of 15 years (for goodness sake take longer, let alone): 91 812.86 rubles of them in the first payment of 76 500,00% fee, the rest of the repayment of debt ( approximately 15 thousand). http://calculator-ipoteka.ru/calcul ator.php Enjoying a payment schedule for our wonderful loan. On payment number 113 (ie almost 10 years), we have a payment where payment of 46.671,32% for repayment of principal is - 45.141,54 4.467.482,36 and the remaining debt. (Rounded to 4,500,000 for convenience) And we paid in total by this time the bank has a total of 10.300.000 swedish house mafia don t you worry child 850.000 + made at once;) If we just filmed 10 years came to 5,085,000 given for rent, ie we were able to save about 6,000,000 other things being equal. From this we can conclude that if we need to take an apartment for 8.5mln rubles, it is best to save removing 4,000,000 (and we thought that would be really 6.000.000 if you are willing to pay a mortgage), and 4,500,000 can be ostvshiesya and even take a mortgage, because % bank payment will not be greater than the cost of the lease. But keep in mind that the mortgage payment swedish house mafia don t you worry child will still be more expensive than rent (as% of payment in addition we will extinguish debt to the bank). Payment in the amount swedish house mafia don t you worry child of debt 4,500,000 (the initial fee, we have accumulated, and it is almost 50%), the payment will be 55,000 (+ - a penny), not too expensive but lifting and loss on% in favor of the bank, will not be more expensive than renting. Well, if we want the payment in general was no longer pay the rent, the hoard has about 1 million. Something like this. We take into account also that I did not think there kvarplaty payment (3-4.000 swedish house mafia don t you worry child rubles in such amounts do not weather, but still) that you do have to pay for my apartment. If you pick up a new building, which is still under construction, if you do not have a hitch that its market value immediately increased by 20% at least, after putting the house, there will be a completely different calculation. In any case, I will explain more: yeah if you take another rental price (but you can find plenty of cheaper 45.000 apartment in Moscow), then you will be very different figures, these data are extremely dry point calculation swedish house mafia don t you worry child to show "breaking" swedish house mafia don t you worry child and not found "The most profitable option in Moscow."
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