Rent or mortgage: pros and cons. Who rented a room, share your experience, what are the pros and cons (including

Each of these options has its pros and cons. Let's try to figure this out.

Hostel

Many parents and prospective students themselves are sometimes frightened by one word - a hostel. Parents may remember their student years in the hostel and what liberties they allowed themselves. Now they are worried about their own child, which they release from under their "wing".

A newly minted student is probably more worried about the amenities that he will lose if he settles in a hostel. After all, the toilet and shower here is one for many people, and in the mornings there will definitely be a queue.

Yes, the hostel has many disadvantages:

These are common amenities (toilet and shower), it will be problematic to get there freely.

Shared kitchen where everyone prepares their own food, but this can be attributed to both minuses and pluses. After all, here you can learn, for example, new recipes or learn how to cook if you don’t know how.

In the hostel you will have to follow the internal regulations and rules. Namely: after a certain hour, the doors of the hostel are closed for the night, and if you linger, you can hardly get there. You can also invite guests only at certain hours. You are being supervised by the commandant of the hostel and the so-called educators, and there is also a janitor in the hostel who also keeps order.

You will have to share a room with one or two roommates who will not always consider your needs. Drinking, partying will still be, such is student life.

If you are used to studying in silence at home, then here you are unlikely to have such an opportunity. And if a roommate snores every night, then you will still go to class without getting enough sleep.

And the hostel itself may turn out to be old and long awaiting renovation, and this also leaves its mark on amenities.

If you still decide to settle in a hostel, then you must submit an application to the dean's office in advance. After all, you may not have enough space, because there is a crisis in the yard and many simply do not have the means to rent an apartment.

The hostel has many advantages:

The main thing today is the price - you will also need to pay for a hostel, but this is many times less than for rented housing.

The hostel is a kind of school of life. Here you will learn to get along in a team, maybe adapt to someone else's character. Respect other people's interests, communicate, talk - these skills are especially useful for naturally shy people.

Here you can find true friends with whom, as they say, you can eat more than one pood of salt. Or maybe your love lives in the next room, and this often happens.

Discotheques are often arranged in the hostel, joint leisure also brings together.

The rooms are settled mainly from the same course or faculty, which means that you can take a note from a neighbor and prepare for exams together. And you can also ask senior students for advice or take some materials for preparation.

Yes, and it's just fun in the hostel. Here you will definitely not be left without congratulations on your birthday, however, you still have to treat your roommates.

Rental apartment

It would seem that there should be only one pluses, there would be money. But it is not so.

You need to look for an apartment in advance, about a month before the start of classes. You need to consider several options and be sure to see everything in person. In addition, it is better if you choose an apartment together with your parents, because they need to know in what conditions their child will live. Yes, and parents will also pay for rented housing, this happens in most cases. Another advantage of choosing an apartment together with parents is the fact that the owners of the apartment will try to break the price for an unremarkable apartment.

Tip: be sure to conclude a lease agreement in which you agree: the lease term, the amount of the prepayment, the terms for paying the housing fee, etc.

If you are not ready to pull the cost of housing alone, then you can rent a home for two. Moreover, it will be cheaper to rent a 2-room apartment for two than a 1-room apartment for one.

Pros of rented accommodation

1. In a rented apartment, you are the full owner for the duration of the lease.
2. You can come and go any time you need.
3. You can invite guests if it is allowed by the contract.
4. All conveniences are at your disposal at any time of the day.
5. No one will interfere with you to study, sleep and rest.
6. The kitchen is also at your disposal, including a refrigerator, as well as a washing machine, which is also important.
7. For the safety of your belongings, you can also be calm.

Possible disadvantages of rented housing:

• If you rented an apartment for two, then, of course, you will have to pay less, but you will not live alone either. This, of course, is not a hostel, but still you have to reckon with your neighbor and his habits.

• If the money was only enough for housing in the private sector, then the amenities will be minimal and, most likely, on the street.
• The apartment can be located at a considerable distance from the place of study and you will have to get for a long time. This means that you have to get up earlier, not always getting enough sleep, and you will also have to spend money on the road.
• You need to be extremely careful when using other people's household items, and especially household appliances. Because in the event of a breakdown, you will be billed for this.

Where you live while studying is up to you. But remember that student years come only once and you will remember them for a long time to come.

Rooms are rented in different ways, of which there are two main ones:

• a room in an apartment where the owner lives in the next room
• flatmate: the owner rents the apartment by rooms, in one you are, in others someone else

Flatmate is considered a better way than rooms in owner's apartments and here's why. When you live with a neighbor, and you are in an equal position (he is a tenant and you are a tenant), then there are much less friction and problems than when you are like a bird, and the owner is all such a master of the situation.

Sometimes a flatmate is formed spontaneously, and the owner of the apartment sometimes does not even know that it is being rented in half, for three, etc. Well, for example, a family rented an apartment, and then the husband and wife quarreled, the wife and child went to their mother, and the husband in a rented kopeck piece remains alone. He is uncomfortable, and empty, and expensive - and he comes to the idea of ​​finding a neighbor.

It is important to understand that if you do not inform the owner of the apartment that the composition of the residents has changed, and also do not draw up a new lease agreement, then you automatically take responsibility for everything that happens in the apartment. If your neighbor forgets to turn off the water in the bathroom, floods the neighbors or accidentally starts a fire, and the next day he moves out of fear without leaving an address - you will pay.

But many people rent apartments by rooms very well, and this is especially popular in the case of three-room apartments, which, in principle, are not easy to rent to one family - because of the price and because families who rent housing relatively rarely need multi-room options. But two or three young professionals renting a three-room apartment is a common occurrence today.

As a rule, flatmates are people who are even more responsible and strict with themselves than those who rent separate apartments, and this is understandable: after all, the rules of the hostel require some self-restraints. You have to keep quiet after the agreed hour, clean up after yourself immediately, and not when you want, and so on - otherwise your neighbors will do everything to make you leave them.

By the way, one of the common flatmate pitfalls is cleaning common areas. Some solve this problem, as they once did in communal apartments: they wash the corridor, the kitchen, etc. in turn. But in this case, claims to each other almost inevitably arise: you didn’t wash everything, not like that, and not very much at all, but you should have washed it yesterday, and yesterday I had a headache - in general, that’s all. To avoid disputes and disagreements, it is enough to simply hire a cleaning service that will come as often as you all see fit - and share the cost of it equally among everyone.

As for the refrigerator, which is most often one for everyone, there are also different solutions here. Some prefer to put a refrigerator in their room - and forget about this problem. Others share the shelves in the refrigerator and freezer: this is yours, this is mine - and then everything is on trust. My own flatmate experience (and I have a lot of it) is just an experience of trust. I've had five different roommates in three years - and always one refrigerator. There was never a question that someone had eaten something - on the contrary, after work we bought cakes, fruits, sausages and happily ran to treat each other.

To the question "which is better - a private house or an apartment?" there is no clear answer. Everyone makes a choice based on their own needs and financial capabilities. Some people cannot live without the amenities and entertainment of a big city, while others prefer a quiet life in a country house. But in the end, the comfort of a home is determined by the money issue, which is a decisive factor in buying real estate. After all, the difference is palpable: both a rundown house and a modern cottage fall into the category of a country house. A prestigious apartment in the city center and a small family in Khrushchev will definitely not provide the same living conditions.

But even without the opportunity to build your own villa, you can become the owner of a good private house with an adjacent territory. True, it has its advantages and disadvantages. Further, all issues are considered in detail, up to what is better - to build a house or buy an apartment.

Pros and cons of a private house

Among the inhabitants of the middle class in Europe and America, it is common to live in your own homes. But we have a stereotype that suburban buildings are intended either for poor people or for the wealthy (cottages and villas). A rather erroneous opinion, given the latest trends, where urban families opt for a private house. Consider the advantages of this solution.

Advantages of a private house

Your own house is perfect for those who are tired of the constant noise of the metropolis, the ongoing renovation of the neighbors and the lack of personal space. A private house solves these problems. You can not be afraid of privacy violations, annoying noise from neighbors and are not afraid to arrange long parties yourself. There should be no problems with guests, especially if there are additional rooms or guest houses. For lovers of a hermit lifestyle, a high fence will help to hide from prying eyes.

Even with equal living space, doubts about which is better - a house or an apartment, the scales outweigh in the direction of the house. This is because the space is not limited by the walls of the building. Adjacent land, let alone how to use it - everyone decides for himself. You can plant a garden, do floriculture or grow vegetables (a significant plus, given the environmental friendliness of the own grown beds). If you wish, you can build a gazebo with a barbecue, a sauna and even beekeeping. But an indisputable plus will be received by car owners who will not have to share a parking lot and pay for a garage, if it is easier to have your own.

Buying an undeveloped land plot, you can participate in the design of your dream home. If it already exists, it is always possible to build additional rooms, verandas, etc. This is a great solution for a large family of three generations. But what is better - a cottage or an apartment? The answer is obvious: in a large dwelling there will always be a place for both pensioners and their grandchildren.

Carrying out repair work is not limited to the interior, the exterior facade of the house is also designed to taste, which cannot be said about high-rise buildings. Well-chosen landscape design perfectly completes the picture. This is where lovers of planting and digging can disperse in earnest, and it is enough for lazy owners to systematically mow the lawn.

Independent heating. You can use gas heating by pre-installing the meter. This will allow you to independently regulate the required amount of heat and save some money. It is also possible to switch to an alternative type of fuel, for example, by buying a solid fuel boiler, but you will have to take care of the firewood. So what is better - to buy a house or an apartment - must be decided, given the climate of the region.

Beautiful nature and fresh air are an indisputable plus in favor of the house. Jogging enthusiasts will especially appreciate it, because classes along city roads with the inhalation of exhaust gases will block all the benefits of physical education. Unless it’s problematic to get to the gym, it’s more convenient to allocate a room and buy the necessary supplies. Therefore, deciding where to live - in a house or in an apartment - should be based on one's own needs.

Cons of a private house

A huge minus, the presence of which significantly affects the purchase of suburban housing - the lack of personal vehicles. Car owners are independent in terms of movement, but the rest must get to the right place by public transport. City residents may not be afraid to be late for minibuses and buses that constantly travel along standard routes. When purchasing property in rural areas, you will have to memorize the schedule of minibuses, otherwise the delay threatens with a long wait for the next flight. And the less developed the infrastructure, the worse things are.

The lack of educational and medical institutions is a huge minus that should be paid attention to. The most difficult thing will be for families with children who need to be taken to school, all kinds of circles, sections, etc. Entertainment in the villages is usually absent, and you will have to forget about an evening trip to the cinema, a restaurant or a club, or get there by car.

Private houses are not distinguished by increased security. The risks of being robbed during a long absence are significantly higher than in an apartment building. Is it better to live in an apartment or in a house? If you take care of the security system by setting the alarm, you can sleep peacefully. The ideal option is to install surveillance cameras and a special system that turns on the light in the room, creating the effect of the presence of the owners. Or ask relatives to look after the house until you return.

Any emergencies will have to be dealt with at your own expense. If a roof leak in an apartment building should be solved by the ZhEK, then in a private building all the trouble falls on the shoulders of the owner. Additionally, you need to monitor the number of sewers for the timely call of the sewer service.

The above problems are not relevant for cottage townships. As a rule, they have a developed social infrastructure, excellent roads and close proximity to major cities. You can evaluate all the advantages of a cottage village using the example of the cottage village "BEREZKA all seasons" at the link: http://berezka4s.ru/

It is difficult to answer the torment “which is more profitable - to build a house or buy an apartment” unambiguously. Naturally, the construction of a cottage in the city and in the peripheral zone differ in pricing policy. The cost takes into account not only the price of a land plot, taxes, etc., but also the quality of building materials, the increase of which inevitably increases the price. It is impossible to say for sure which is cheaper - to buy an apartment or build a house.

Pros and cons of an apartment

So how do you decide - a house or an apartment; There are pros and cons to each type. If the advantages of a private house are not impressive, and the disadvantages are simply critical, you should not think for a long time - you need to take an apartment. All the disadvantages of suburban buildings automatically become the advantages of multi-apartment holdings.

Advantages of the apartment

The city has all the necessary conditions for the most comfortable living. It is clear where it is better - in an apartment or in a house located far from the city? Residents of apartments always have quick access to shops, hospitals, pharmacies, various entertainment facilities. The problem of finding schools and kindergartens disappears, which cannot be said about many villages. There are no problems with transport either, you do not need to get up earlier than usual in order to be on time for work.

All conditions for an active social life are created in big cities. Free time here is much more interesting and exciting. At any time, you can gather with friends in a cafe, go to the cinema or theater, visit sports complexes. There are much more opportunities for the comprehensive development of children in the urban environment, and there should be no problems with choosing a circle or sports section. It is wrong to say that an apartment or a house is more profitable, it all comes down to the needs of everyone.

Like it or not, the security of an apartment is still higher than that of a lonely private house. The presence of neighbors will be able to protect against intruders, and the installation of an alarm system will definitely not allow robbers to sneak inside. It's hard to tell how wealthy the owners are. With a private house, the opposite is true: the expensive decoration of the facade and the height of the fence directly indicate the state of the owner.

Not all houses have water supply and sewerage; apartments do not have this disadvantage. Responsibility for the condition of the dwelling lies entirely with the owner; in multi-apartment buildings, most of the problems are solved by ZhEKs.

The apartment is ideal for lazy owners. The backyard needs to be looked after, constantly maintaining it in a neat form. Otherwise, the garden will become overgrown with weeds that will crowd out most of the planted flowers or vegetable crops. Who does not have the time and desire to restore order, the problem of "where is it better to live in a house or apartment" disappears.

Cons of an apartment

Everything is clear here - living in an apartment does not give all the advantages of your own mansion. It is impossible to enjoy the beautiful nature outside the window, the singing of birds and clean air. A person is limited within four walls, and everything outside is a common territory. It is not so easy to make a decision - a private house or an apartment: everyone has pluses and minuses. Take the same neighbors who can inadvertently flood.

It is impossible to specify what is better than your house or apartment. But they have another drawback, which consists in restrictions on reducing utility bills. Installing meters or special energy efficient boilers can involve lengthy legal red tape and additional costs.

Many cannot decide - an apartment or their own house, there are pros and cons both in the first option and in the second. There is a good compromise on the theme of "private house or apartment": on the outskirts of the city, two- or three-story houses are often built, which several families can easily move into. Here you are closer to nature, and it is not difficult to get to the center. So a solution can always be found.

How wonderful rented accommodation, I realized at the age of 16, thanks to a wonderful girl Marina. The four of us then rented an apartment - a small one-room apartment on the outskirts of the city.

Four young Muscovites

Me with my unbearable craving for freedom from parental walls and money. Faith - the eldest in a poor and large family, to her, probably, our cramped conditions seemed like a paradise after five siblings and mom and dad in their own kopeck piece.

Inna, whose mother arranged a personal life with a new man in a 20-meter room in a communal apartment for 6 families, gave birth to a little son and did not understand where to put her daughter, who was always interfering with her lectures, on this square.

And finally, Marina - her parents donated the apartment to a religious organization, competently throwing out the daughter from the papers, who did not want to join them on the righteous path. The salary of each of us, as you might guess, was enough for a quarter of the apartment and remained, but alas, for more.

A few months later we needed to look for a new roommate. Marina's great-aunt died and bequeathed to her her room in a communal apartment. Here, no religious parents could spoil the matter, and Marina ... Marina surprised me.

She was the oldest and wisest of us. I thought that she would jump for joy, borrow money from friends for simple repairs and nice furniture, celebrate housewarming and enjoy her own 15 square meters.

Marina acted differently. She immediately rented the inherited room and rented a one-room apartment. The surcharge for the difference proved to be quite within her power. And no “bad, but their own”, no “beautiful designs” where there are queues for a common bath and no “nesting” with three neighbors in the corridor. Marina chose someone else's on a piece of paper, but spacious and separate housing.

And I thought. I began to wonder how my most intelligent, successful, but not very wealthy acquaintances solve housing problems, those who do not have rich parents, but have a normal job and family.

Do you know what I found? I found that even people who have their own rooms and apartments did not live in them (only if during the student period). When planning a child, the family immediately rented out their one-room apartment and rented a two-room apartment, resolving the issue of both the children's room and the parent's bedroom.

With a promotion and salary, or with the transition of one of the spouses to a profitable freelance, they rented their one-room apartment and rented a three-ruble note in order to allocate an office for work. Someone rented an apartment in Moscow and moved to a rented townhouse in the Moscow region. Someone rented a small area in the center and rented a large one in a green remote area.

And - I do not want to offend anyone - of course, none of the successful people over the age of 25 lived with their parents. With Moscow prices for apartments, everyone is well aware that there is no chance of ever buying a home, and there never will be.

Accordingly, it makes no sense to wipe the pants on the couch for mom and dad - anyway, nothing of their own will fall from the sky, you have to get up and accept reality.

And the reality is rented housing. Forever and ever

Or until the death of their parents, which I don’t even want to think about. So forever. What's the point of pulling? Start today.

Around the tenth year of living in rented apartments, I also inherited my first home. The income from immediately renting it out made me very happy every month when the money was paid to the owners.

Then, unfortunately, I inherited more. And then more. And theoretically, I could sell all this motley area and buy one quite decent apartment. But I no longer wanted to.

The advantages of rented housing made me a staunch adherent of it. Until the end of my days, I hope to only rent a place and never use my own.

I share these benefits:

• Location

You can rent an apartment near your work. Institute. An elderly relative who needs to visit often. A special school for your child. In a quiet green area. In the center. At the Bolshoi Theatre. At your discretion.

If you change jobs, you will not need to travel to the other side of the city - you will change your apartment to the one that will be next to the new office. On the road alone, you can win 1-3 hours a day (in Moscow, I happened to win even more).

If construction begins near your house, cheerful young people like to gather, a noisy road is laid, you will immediately pack up and leave without suffering from these changes.

If your desires for infrastructure change (for example, with the birth of a child, instead of a noisy center, you want an area with a park), you simply change your apartment to another one. Obviously, you can't do that with your own housing.

• Repair and other design

The apartment needs to be repaired from time to time - explaining why, why, is probably stupid. After all, wallpapers not only bother visually, but also wear out. In rented housing, you are spared from these wastes of time, effort and money.

As soon as the apartment ceases to suit you, you rent another one. Moreover, there are always a lot of options on the market immediately after cosmetic repairs, there are options with the author's design - if you are not in a hurry, then you can choose the ideal. Which you yourself are not yet a fact that you are implementing, but here you take it ready.

And after a few years, when he ceases to be so new, you change. Or change earlier. The situation is similar with furniture and household appliances.

Not every young family I know can afford to buy good furniture and good household appliances in full for their housing, people take out loans or buy first a washing machine, then a dishwasher, and so on. Renting an apartment, you immediately get a complete set of everything you need.

• You don't have a problem

Any breakdowns (not your fault, but naturally occurring), neighbors flooding the apartment, problems in the house itself and its major or other repairs - the problems of the owners, but not yours.

They don't hurt your pocket or your nerves. If they are serious, you change the apartment for a better one. If they are simple, the owner decides them, and you just live and rejoice.

You do not need to worry about a possible fire, you do not need to delve into the intricacies of insurance, think about laws, taxes, paperwork. All of the above is especially important for the home.

For the last 5 years I have been renting a house, not an apartment, and I do not know a single problem that arises for those who live in their own house. These are my owners' problems. I only clean the snow from the porch in winter, but it's not difficult for me. It would be difficult - I would again rent an apartment where the issue of snow is irrelevant.

• you are mobile

Some people have to visit a psychologist to recover from shopaholism, entire families sometimes suffer from the senseless hoarding of unnecessary things. It happens that in one pair, the wife fills the cabinets with hundreds of blouses and buys thousands of vases-napkins, and the husband drags almost from the garbage heaps and stores spare parts and screws on the mezzanine.

Fly lady systems teach you to gradually get rid of the garbage that subjugates your space and your life. With rented housing, the problem disappears. Nobody buys unnecessary things. And all the necessary ones are located in well-known places, compactly and quickly packed - and moved in one day.

By the way, I have friends who spend the winter in warm countries and return home in the spring. They don't have any junk at all. Honestly. It's top notch and a great money saver (even better than furniture)

And I left the most important plus for later However, I started my story with him. This is a plus - the opportunity to live TODAY. How many of us can go out today and buy the home we dream of?

With that number of rooms, with that footage, with that location? I have few such friends. My acquaintances are fine if they can afford small apartments in low-profile areas - and then on credit, and then not at the age of 25. And this is life postponed for tomorrow.

Today you sit in a room in a communal apartment or a one-room apartment, or crowd with your parents in their apartment, give birth to children in cramped quarters or postpone their birth until later, deny yourself a lot for the sake of “your walls”, save up for repairs, for furniture, for household appliances - you don't live. You hope to start living tomorrow when you can afford more. When you buy everything More precisely, not when, but if.

In our time, no one can guarantee anything to anyone, besides, we are all mortal. Personally, at the age of 20, I didn’t want to wait until by the age of 40-50 I would either have or not have what I want at 20. I decided to get it now. While I'm alive As long as I want it. As long as I need it.

Five years ago, I moved from a rented three-room apartment to a rented house. In a month I'm moving from this rented house to another rented house. The new house is bigger. It has just been renovated. Good home appliances. Good furniture. Everything, of course, is much fresher than in this house where I lived for 5 years. Solid joy, they say. Congratulations on your new home.

Do you know, by the way, why I didn’t write a word about the disadvantages of rented housing? Because I have never met them. Theoretically, I heard about strange hosts and other troubles, but I have no such experience. And if not, why should I invent?

Dear readers! Do you live in your house/apartment? How do you feel about rental housing? What are the pros and cons you had to deal with when renting a home? We are waiting for your answers in the comments!