Is it worth buying a house? Is it worth it to buy a country house.

Buying a house is always a joyful event. The main thing in this matter is not to pay primary attention to the appearance of the building and understand all the subtleties, so as not to regret an expensive purchase later. What to look for when buying a house? What secrets exist and is it necessary to involve a specialist to assess the condition of the acquired property?

What should you pay attention to first of all?

When a person decides to buy a detached house, he immediately has a lot of questions. And here it doesn’t matter at all what kind of transaction will be made: the purchase of a stone building or the purchase of a wooden house. What should you pay attention to first of all?

Experts first recommend deciding on the purpose for which this property will be purchased. It can be an ordinary country house in which the owners will spend only a few days a week in the summer, or maybe a house in which the family will live permanently. Naturally, the requirements for these buildings vary greatly.

If the buyer is looking for a house to live in, then the location of the building is very important. It is worth considering the distance from the city to the house, the availability of infrastructure, gasification. By the way, the presence or absence of these nuances affects the value of the property.

And if you are buying a country house? What to pay attention to in this case?

It is good if the building is located somewhere near a forest and a pond. Then the future owners are guaranteed fresh air and always clean water.

Little things to consider

When a new home is purchased, buyers immediately expect a small redecoration "for themselves." But at this point, you can save a lot. To do this, you need to pay attention when buying a private house to the quality of the roof and wooden floors. After all, replacing boards or tiles will significantly empty the wallets of future owners.

It is not recommended to buy real estate that is located in close proximity to industrial facilities or hazardous industries. Emissions are harmful to health. Their presence may not be noticed in windy weather, but when it is calm outside, it will be simply impossible to be in the house.

It is also highly recommended to chat with your neighbors before buying. They will tell you the pros and cons of living in the area, and perhaps also tell you some facts about the property being purchased that the seller wants to hide.

Checking the house on your own

Many buyers look at building design, architecture, location, and other less important factors when purchasing a private home. This is the biggest mistake that future owners make. What if you are buying an unfinished house? What to pay attention to in this case?

In fact, checking a completed and unfinished building does not differ significantly. It is important to pay attention to the technical side of the building and the state of its communications. Need to watch:

• whether windows and doors in the house open easily and silently;
• is the wiring, heating and water supply system in good condition;
• if a boiler is installed in the house, then you can ask the seller for a document in which there are marks on maintenance;
• how smooth the walls and floor are, and also whether the coating produces squeaks;
• sewerage. If the sewer is not central, and the house has only a cesspool, then its walls must be lined with bricks.

Involvement of a specialist for verification

After the future owner of the house independently assessed the condition of the building and became interested in buying it, it's time to resort to the help of a specialist. He knows exactly what to look for when buying a house. Do not be afraid of the high cost of the examination, because the reworking of rotten ceilings, roofs, walls and floors will cost much more than the conclusion drawn up.

To assess the condition of the house, specialists use various devices, for example, thermal imagers, and based on the measurements they draw up a conclusion. In conclusion, the level of humidity in the room, the condition of the ceilings, the condition of the heating system, water supply, ventilation and other conditions should be indicated.

Papers to check when buying a house

Checking the condition of the building itself is not the only important detail when a transaction is made. What else you need to look at when buying a house: pay attention to the documents that the seller provides and the correctness of their preparation.

Need to see:

• building permit;
• certificate not only for real estate, but also for the site;
• a certificate of the number of people registered in the house;
• if the house is in a share, then you need to pay attention to the presence of permission to sell the co-owner;
• an act that gives the right to operate the premises.

It is worth noting that a lot of fraudulent actions have been committed in recent years in such transactions. In order to completely protect yourself from possible problems, and in order to save your money, it is better to seek the help of a lawyer.

Documents to be provided by the buyer

A package of papers from the seller are not the only documents required. What else to look for when buying a house?

In order for the transaction to be "clean", the buyer must also collect all the necessary documentation, namely:

• your passport of a citizen of the Russian Federation, the validity of which must not be expired;
• your TIN and TIN of those persons who are also going to participate in the transaction (co-owners);
• if the buyer has a spouse, then you must also provide a copy of the marriage certificate.

It is advisable to hire a lawyer for the entire procedure of buying real estate, who will ensure that the transaction takes place according to the law.

Possible pitfalls

Home sellers, and especially realtors, know a lot of tricks that can be used to deceive an inexperienced buyer. Their goal is to sell at a higher price and get the maximum profit. What to look for when buying a house, so that you don’t regret the purchase for a long time?

So, be sure to check:

• the presence of two contracts for the sale (separately for the house and separately for the land plot);
• compare the declared area of ​​the site with the actual;
• make sure that the previous owners did not do it (such paper can be obtained from BTI specialists);
• make sure that there are no conflicts between neighbors regarding the land being sold;
• check design documents for a residential building.

If the buyer has any questions about at least one item, then it is recommended to refuse such a transaction.

what is better to buy a house or an apartment - find out the pros and cons, finally weigh the pros and cons!

What is better to buy a house or an apartment: we decide

The concept of “better” is rather loose, more precisely, very vague and sometimes not at all unambiguous for different people ..

Nevertheless, I will try to highlight the pros and cons of a house and an apartment. But first, let's draw a picture of an ideal home. Most likely, if it differs little from an apartment in terms of infrastructure development and good quality finishes.

Let it be a brick house (one- or two-story) and not far from the city center, ideally with central heating.

Even if your own house does not match the picture I have drawn - it does not matter! There are pluses in the house and here they are! Neighbors don't drill or hammer into your wall, you don't have to drag shopping bags with groceries to the fifth floor (I mean five-story buildings without an elevator).

The feeling of being constantly in a concrete birdhouse disappears already in the second week of living in your own house.

It is very nice to have, along with the house, a small plot of land for an orchard and a small garden. In Soviet times, for example, they allocated 6 acres each - this would be quite enough even now ..

The advantages of buying your own house with a garden plot will be felt by families with small children, who can be fed vegetables and fruits from their own garden, and there is also a place where they can play on the sand that is not polluted by yard dogs.

If the plot is larger, you can even prepare jams and pickles for the future, which is also very nice. The territory of the house is not limited to rooms and a corridor in the entrance - children, if any, can run anywhere and any way and quite safely (unless, of course, you forgot a few rakes in the yard ..)

Finally, you will get rid of the talk that the janitor does not clean the yard, the HOA constantly raises the payment .. No common house needs: maintenance, maintenance, major repairs.

And you can also install a pool right in your yard! Of course, there are some cadres who do it in the apartment, but everyone decides to take risks or not.

Small inconveniences of your own home

When buying a house far from the city, you will need to have at least two cars in case one of them breaks down. At the same time, it should be taken into account that you most likely will not have a janitor, which means that snow cleaning, territory cleaning and weeding are all yours.

Do not exclude also small chores for which you will at least need to acquire a small set of tools. It is also financial expenses: to fix the fence, the sidewalk, and so on.

If you have a harsh winter, then the water supply may freeze - a small nuisance. It is much more important to have a well-functioning sewer.

Ideally, take it to the central one, if there is no such possibility, then you will have to buy a shambo and regularly order a cleaning service.

Or is an apartment better?

At the same time, living in an apartment has its advantages. For example, the location of apartments often gravitates towards the boundaries of large settlements, although if the city expands the boundaries, then an apartment building can stand on a wasteland without developed infrastructure.

Okay, let's not touch the new buildings, but draw a picture of the apartment as follows: it is located in one of the good areas of the city with developed infrastructure, on the middle floor in a brick house, not a corner one .. Well, there are already more requirements than for a house ..

In apartments, there are often no problems with running water, central heating and the Internet. Repairs can be done every 5 years - re-paste the wallpaper, tint, whiten, change household appliances.

Having an apartment in the city, you will be freed from digging in the ground, because the only piece of land will be in front of the house and it’s not a fact that it won’t be rolled up under asphalt and parked.

If by some miracle this does not happen, then the fertile soil will be constantly fertilized by local dog breeders ..

In the apartment, of course, you feel safer - it is high (if it is not the first or second floor) from the ground and therefore it is hardly worth expecting a random guest who entered the window, living on the 8th floor..

Central heating in the apartment is provided by a CHP plant, which cannot be said about your own house. Your only problem may be current batteries, but you don’t have to procure solid fuel and periodically throw it into the potbelly stove so as not to get cold on a winter evening ..

And if you plan to install a gas boiler, then be prepared for the fact that you first need to properly install it and get it working, and then make sure that it performs its functions properly.

Otherwise, when carbon monoxide appears or the pressure decreases, it will go out and that's it.

Minor shortcomings of apartments

But the question of what is better to buy a house or an apartment would not be fully resolved if we did not consider the cons of apartments. They flow smoothly from the pluses.

You can wait 40 minutes for a locksmith who has not yet remembered his name, while hot water is gushing from your battery.

Yes, this happened to my friend: he just installed new batteries and one of these just fell off.

During the 40 minutes that the water lashed, the wallpaper flew off not only in his apartment, but also three floors below. And the locksmith was in no hurry ..

Or not so long ago there was an explosion of domestic gas in one of the apartments where the marginals lived. I also don’t really want not only such a neighborhood, but also surprises in the form of a fire show by the Ramshtein group ..

Real life example:

And here is a very recent example from my practice of communicating with neighbors. There was a need to call a carpenter to work for several hours on a weekday from 18:00, because. earlier, for objective reasons, I could not free myself.

The guy began to drill, saw and other wisdom that spewed out decibels .. The neighbors did not take long. After 40 minutes, the doorbell rang and the neighbor, with "white" eyes, asked what time we would make noise.

The worker replied that before 22:00, I repeated to her. She was indignant and asked to finish earlier, but I can’t rush the specialist, otherwise the quality suffers. In general, he promised not to delay. An hour later her husband came. He smiled .. (he probably did something dirty before that, I thought)

He gave an example of how they do it - all repairs are completed before 18:00. Give everyone the happiness to live like this, to do this! In general, he also went home, because the carpenter has already finished!

I even benefited from this case - I got to know the neighbors and their patience closer)) I hope we will be friends!

This is how you have to live with your neighbors if you decide that buying an apartment is better than a house. And this is just one small example, one evening ..

So you can continue indefinitely and not decide objectively, because everyone decides for himself that it is better to buy a house or apartment.

If you have an opinion on what is better to buy, an apartment or a house, write below!

Civilization, which seduced people with urban comfort, could not break the age-old connection between man and nature. Therefore, with the beginning of spring, the eyes of the townspeople rush to flowering fields and meadows, shady forests and clear rivers.

The lucky ones who managed to buy a dacha or a house in the village get behind the wheel and go to their site. Those who have not yet managed to acquire suburban real estate are thinking hard about the question of whether to buy a summer house or a private house.

Without exception, everyone wants “square meters in the bosom of nature” to bring positive emotions and not become the subject of legal litigation. It is highly desirable that life in a dacha cooperative or village be comfortable in an urban way and quiet in a rural way.

We will try to help beginners who decide to move closer to nature in choosing the right option and consider it from different angles.

Pros and cons of living and relaxing in the countryside

There are two types of out-of-town pastime:

• Permanent residence.
• Vacation trips.

They differ significantly both in terms of requirements for purchased housing and in terms of the cost of its arrangement. For permanent residence, you need a capital house, well insulated and connected to utilities. For short trips, a small building is enough - a “roof over your head”, in which you can wait out the bad weather and hide from the intense heat. Facilities in this case are located in the yard, and the single-phase power line becomes the main achievement of civilization.

The advantages of a country holiday are known to all. It is silence, clean air, picturesque landscapes and natural products. For the sake of these benefits, you can put up with the Spartan life for a couple of days and even find some attraction in it. Those who want to leave the noisy city for a long time cannot put up with a minimum of comfort.

A significant disadvantage of permanent residence outside the city is the large expenditure of time and money to maintain the house in a livable condition. If in the city all utility work, at the very least, is performed by the local DEZ, then on your site you will have to deal with the current roof, faulty sewerage and other housing engineering options on your own. Therefore, without practical experience, repair skills and accounting ingenuity, it is more profitable to buy not a big house, but a compact cottage for a temporary stay.

Plot area is another controversial selection factor. Houses in the village are sold along with a decent amount of "acres" and you will have to somehow organize them. This is hard work and daily worries. The only way to curb nature is to sow lawn grass on the site or grow a garden without burdening yourself with “garden gymnastics”.

The advantage of a large plot is the remoteness of neighbors, relations with which many suburban homeowners have are far from ideal. The dacha is worse in this regard, since it is difficult to create a comfortable “gap” between neighboring houses on 5 acres. But in a compact area there is less work. Therefore, this option is chosen by someone who does not feel attraction to a shovel and a hoe.

The main factors influencing the choice of suburban real estate

The first and main factor determining the choice is financial opportunities. If they are unlimited, like the prince of Brunei, then a person can buy a country house where he likes. If, for some reason, the finished housing does not suit the buyer, then he acquires a spacious plot in a picturesque place and builds a manor according to a personal project.

In all other cases, you have to make a reasonable compromise, taking into account such factors:

• remoteness from the city;
• transport accessibility in the autumn-winter period;
• availability of social infrastructure;
• supply of electricity and gas.

An important role at the selection stage is played by local characteristics of real estate:

• wall material (frame house, walls made of foam blocks or timber), age and general condition;
• relief of the site;
• availability and quality of water;
• soil quality and soil composition (sand, clay, loam).

For permanent residence, transport is of paramount importance, because in most cases the city remains the main provider of livelihoods. Every day, spending several hours on the road is not profitable either financially or from the point of view of organizing the working day. Another thing is a cottage for the weekend. It may be far from the city. Infrequent trips to your site in this case, none of the household will be a burden.

Summarizing what has been said, we can give advice to everyone who has not yet made a choice between a house in the village and a summer house. For permanent residence outside the city, the best option is a capital house with a plot of at least 15 acres. For family picnics, gardening and horticulture exercises, it is better to buy a cottage. In this case, you will not have time to feel the lack of urban comfort.

Finished house or building plot?

Third on the agenda among supporters of permanent residence outside the city is the question of whether it is worth buying a plot or is it better to spend money on a finished house with land. The answer to it depends on the level of your competence in construction.

If you are able to draw up a floor plan and plan a site, do not flatter yourself. This is only the first step towards the complex and unpredictable process of new construction. Having saved on the purchase of a bare site, get ready for large costs for materials and workers, utilities, equipment and transportation costs.

You will see the final figure only after the delivery of the house, and it will significantly exceed your initial estimates. Of course, the construction process can be stretched for years, periodically making feasible financial injections. However, while you are fussing and nervous, your neighbors who bought a finished house from a bar will enjoy life behind the fence.

Regarding the optimal location of the site, the following can be said. Before making a deal, buying a dacha in SNT or a house in a cottage village, talk to the locals. So you will find out the real amounts of all kinds of requisitions (maintenance of electricity networks, roads, administrations, etc.) that management companies and chairmen of gardening associations like to set. In this regard, buying a house in the village is more profitable. Here you will not have to pay for the power line, as well as for roads, fences and “clouds in the sky”.

Legal issues are a stumbling block

Until the state came up with the EGRP (Unified State Register of Rights) and the land cadastre, the transaction algorithm was simple: the seller took a certificate from the BTI, went with the buyer to a notary who concluded an agreement on ownership. In the village, the village council was the supreme authority. Here the initial documents for the purchase and sale were drawn up. Today, the buyer has to unwittingly go through a legal educational program:

the seller, before selling a dacha in SNT (DNP) or a house in a village, must perform three actions: put the land on the cadastral register, register the rights to the plot and capital building in the USRR. If he can present these three documents to you, then the notary will have no problems with the purchase. This is the ideal case. Consider other options that are encountered in practice.

Many owners of village houses and dachas in SNT are unwilling to pay real estate sales tax (2016 was no exception). Buyers are offered plots with unregistered houses. Such a deal can be made provided that the land is registered in the Cadastre and has the “correct” purpose, determined by one of the three points of the Classifier of types of permitted use of land:

• Clause 2.1 - low-rise residential buildings (individual housing construction; placement of country houses and garden houses).
• Clause 2.2 of the same document - a household plot of a personal subsidiary plot.
• Clause 2.3 Blocked residential development (house for 2 or more owners).

After buying such a plot, the new owner will have to do the registration of the house in the State Register of Rights himself. You shouldn't rush into this matter. In the coming years, the state promises to conduct a total check of suburban real estate and punish those who live in unregistered capital buildings with a ruble.

But the sale of summer cottages according to the garden book (without documents on the right of ownership) is a thing of the past. Today, the procedure for transactions with real estate located in dacha associations is no different from buying a house or a land plot in a village (cadastral registration + registration of a plot and a house in the State Register). The garden book only certifies the fact of the seller's membership in the partnership, but is not a legal confirmation of his ownership.

Certificates of the right of perpetual use (lifelong inheritable possession) and an extract from the household book are also not sufficient to complete the transaction. Based on them, the seller can only register his property in the USRR.

Sometimes there are plots that individuals rent from local authorities. You will be able to buy such land only after the tenant receives from the local administration permission to transfer ownership and executes all the previously listed documents.

In conclusion, we note that there are many nuances and legal problems associated with buying a house in the village and giving in a garden partnership. Therefore, we advise you to use the consulting support of an experienced lawyer when preparing for the purchase.

The desire to have your own home is inherent in us genetically. Small children, having barely learned to walk, immediately begin to build a house from improvised materials. In adulthood, the choice of housing becomes a determining factor in later life. This article is aimed at considering the possible reasons for buying real estate, considering all its positive and negative sides.

Reason for purchase

Everyone knows that it is harmful to live in the city. To the traditional environmental problems of the city: pollution of water, air, epidemiological component, modern realities have added an increased electromagnetic background, threats of terrorist attacks, psycho-emotional stress. Problems with noisy neighbors, parking, lack of a piece of land, even for walking a dog, push for the need to solve these problems. The desire to escape from the insurmountable wall of problems is dictated by the desire to buy a house away from the city.

Dreams in pink glasses

Listening at 3 o'clock in the morning to the dismantling of neighbors, a married couple dreams of a cozy nest on the banks of a friendly river, where everyone will be comfortable - adults and children, a dog and a car. Having estimated the cost of an apartment, the cost of a cottage new building, according to advertising booklets, the price of village houses, inspired future new settlers set off in search of their dreams.

Friendly managers offer a house without finishing and communications, promising an inexpensive loan for the missing amount, "... and you will pave the road yourself, it's inexpensive." No less smiling owners of houses built in the 70s of the last century swear they are broadcasting about the soonest possible supply of gas to this street, "... and the pig farm will soon be closed."

Selection criterion, the main thing - finances. Taking off rose-colored glasses

When looking for a house, the main criteria are financial possibilities and trust no one. Let's take a look at the most common misconceptions.

Communications - "there would be walls, we will solve the rest" - is the most important delusion. Often offered boxes of houses without communications - roads, gas, water, electricity, etc. At the same time, the prices are simply ridiculous. Don't be a laughing stock, these ridiculous prices have already been paid for by the previous owner. Laying gas and electricity are fundamental factors for comfortable living in your home. The problem of single laying cannot be solved. If the problem of roads can be solved, and very conditionally, by buying an SUV, then heating and electricity cannot be solved by buying a generator and running around to the boiler room, throwing coal.

Often managers justify the cheapness by the lack of communications now, "when they let you down, it will be more expensive." It will definitely be more expensive, but when? If you are selling an apartment, where and how will you live - with your mother-in-law, or renting an apartment. There are frequent cases of sales of luxury apartments in the city center, purchases of boxes of houses with empty promises. And the reverse purchase of apartments with the loss of space, health, money.

Suppose you bought a house without any problems, and you had enough money. Are you ready to spend at least $200 monthly on house maintenance? This is not a typo in the text - these are the minimum costs. Now all the buildings and the adjacent territory are not on the balance sheet of the ZhEK, but you: basement, water supply, sewerage, heating, walls, roofing, glazing, garbage disposal and cleaning of the territory. Add to this the maintenance of the dog and, as a rule, the need to restore the road and sidewalk near the house. Remember the snowy winters and the willingness of the owners to pay any money just to get out of the yard.

Changing the habitual way of life, which no one pays attention to. Are you ready to get up 2 hours earlier and drive 30 km to the city? How lateness will affect work, school, institute with possible transport problems. And will the family budget withstand such everyday trips?

Weighing

There is a method for determining the need for this or that action - we put on the scales "for" and "against", in our case - buying a house.

Behind:

• Clean ecology;
• Own territory, allowing you to freely place a car, garage, bathhouse, receive guests, etc.;
• Your own home, according to your needs;
• Increasing the status as a homeowner, improving the image when located in an elite village.

Against:

• Significant financial investments requiring the sale of an apartment, obtaining loans, etc., resulting in the risk of being left without housing;
• Unforeseen adverse factors: environmental degradation, problematic neighbors, power outages, etc. depreciate the house;
• Significant operating costs for the maintenance of the house;
• Changing the habitual way of life, transport problems.

The pros and cons are impossible to calculate to the end, buying a house is very individual. Sometimes the desire to leave the hateful area of ​​​​the city is so high that it is blocked by any costs.

We hope this article will help you make the right choice.

Good afternoon Semenych! I come to you for advice! My husband and I want to buy a house for ourselves. We don't have a lot of finances. Therefore, we choose from what is. The choice fell on one house, it confuses the brickwork. The thing is that my husband and I do not understand the quality of red brick. Please help us. Please look at the photo, what can you say about the quality? How much trouble awaits us and is it worth it to "get in touch" with such a house. Thank you in advance for your response!

Natalia, Mogilev.

Hello, Natalia from Mogilev!

It's a thankless job to give advice.

Give good advice, then no one will remember. And if you give bad advice, then they can eat through all the baldness, each time remembering that the advice was bad.

Judging by the photographs sent, the house is in a more or less tolerable condition. Some of the angles are confusing. In particular - docking between the roof of the main house and the roof of the extension-veranda. You should carefully look for leaks in this place. The docking apron is not visible and this can, in case of snow, lead to its melting and water leakage into the room.

In addition, there are no gutters and blind areas on the ground on the roof of the house, as a result, the bottom of the basement looks cool wet. Not to mention the rust on the metal box-cabinet (so I understand that it is intended for storing gas cylinders?)

The slate looks very old, that is, it will have to be changed, if not next year, then no later than five years later.

The porch is somewhat slanted, which indicates a small deepening of the foundation under it.

The condition of the brickwork should be considered in more detail. That is, look closely at the bricks and the seams between them. If there are no noticeable delaminations of the surface of the bricks, then the condition is satisfactory. If this surface has signs of delamination and shedding of red crumbs down, then this is not good. This may indicate the poor quality of the brick, the presence of microcracks and voids in it, into which atmospheric water penetrates. It freezes in sub-zero temperatures and cracks bricks.

/ To avoid this, the walls are either plastered or covered with siding for the beauty of the appearance. Both cost money./

And the general impression is that no one has lived in this house for a long time. And as you know, a non-residential house is destroyed faster than the one in which they live.

That is, if you buy a house, then you will definitely have to invest money in it for one or another repair. Although buying a new one or building them will require more.

People who have lived all their lives in a city apartment do not quite well imagine their existence in a private house. There are plenty of concerns about its content. I don't know how this applies to your family.

A big plus of such houses (if, of course, they are located in ecologically clean places), then this is the opportunity to have a personal plot. Provided that you plant your own vegetables and herbs. And the presence of a garage and other outbuildings is never superfluous. If your spouse (and you, too) have their hands in place and like to work, then there will be something to do.

In addition, real estate most often tends to increase in value, unlike candy wrappers, "bunnies" and other paper money.

But in any case, it does not hurt to invite a knowledgeable person who has lived in a private house for many years, he will immediately be able to point out the problem areas of the house he likes. And then, taking into account his remarks, you can play to lower the price.

Summary? Weigh the pros and cons. Then make a decision. I can't add anything else.

Ask a question to Semenych (the author of the materials)

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