Our question of popularity will soon surpass the famous "Is there life on Mars." In all the kitchens of the country, "Mathematics" is calculated benefit from removal apartments and buying on credit. Came our turn to enter the "mortgage" discussion. As a starting point we take a 2-bedroom flat economy class. Consider two options for the property: in Moscow and Yekaterinburg. All figures in averaged form, so please forgive us in advance of error. Moscow apartment Price 4.5 million USD. Suppose you have 500 thousand rubles. as a down payment. We take a mortgage for ? 4,000,000. at 10% per annum for 20 years. With the help of mortgage calculator, we receive monthly payments 38.6 thousand rubles. per month. The total loan amount will reach 9.264 million rubles. Rent this apartment each month will take up to 30 thousand rubles. For 20 years, "accumulates" the sum of 7.2 million rubles. Ekaterinburg where the price of 2-room apartment is 2.5 million rubles. A potential buyer has already amassed a down payment - 250 thousand rubles. Now we need to take 2.25 million rubles. a mortgage on the same terms - that is, for 20 years at 10% per annum. It turns out that the monthly payment amount to 21.7 thousand rubles. In this scenario, the final price of the apartment "will result in 5.22 million rubles. But if you rent a flat at an average price of 17 thousand rubles per month, for 20 years we get - 4,08 mln. Conclusions As we see, live in a "mortgage" flat, slightly more expensive than a rental car. But after 20 years' mortgage holders will own apartment, but the one who shot and will continue to do so. But the final choice only for you.
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