Mortgage or rent?

As soon as it comes on where young professionals who do not have serious income to take shelter, people are usually divided into two diametrically different categories. Some consider it quite normal to rent an apartment, others - prefer to take shelter under the mortgage. Proponents argue mortgage their intentions so that buying an apartment on credit, you become the owner of the future and are free to do with their housing everything: to equip their own taste, to make repairs, get registered, and in some cases, in agreement with the bank, lease . Rented housing, in contrast to the housing mortgage will never be yours. In addition, the cost of a mortgage in the end, summed up in your favor, and the rent - it is always a loss. On the other hand, an apartment, bought the mortgage did not immediately become your property. You enter into the full rights of the owner only after full repayment of the mortgage loan. 15-20 years (depending on what time you made a mortgage loan). During this time the price of an apartment may like to jump up to heaven and make you very wealthy man and fall, depreciate your investment. The choice of a competent rented housing will minimize contact with the owner, and a supplementary agreement gives you the right to make cosmetic repairs and make necessary changes in the environment. Weighing all the "pros" and "against" many decide that mortgages are much more attractive lease. After all, even the future of "his" heart is dearer than the closest "foreign." Supporters of rent put forward a logical argument: Material availability is much higher rent for a person to the average income. And this is connected primarily with a sufficiently high price for the apartment. In addition, when you make a housing credit buyer has a lot of expenses. Mortgages for today, quite expensive "fun" and not available to everyone. As a good example, we give Moscow. When getting a mortgage at, say, one-bedroom apartment in economy class residential area of ​​Moscow, the buyer must pay a lump sum of $ 5,000 to $ 25,000. Mortgage loans on two-room apartment in Moscow new building would require at least $ 15,000 down payment. Further, the borrower must repay the mortgage loan on a monthly basis. The amount of such payments to be from $ 2000 per month. By the way, the payments on the mortgage taken over the rooms are on average $ 1,000 monthly. In addition, the bank regularly checks that the sum of the monthly payment is not made more than 60 percent of the official income of the borrower. For comparison, within the $ 2,000 monthly rent is a two-room apartment in Moscow. In a brick house, with a good atmosphere and a set of household appliances. "Odnushka" under the same conditions will cost much cheaper, around $ 800. Why, then, the mortgage has become increasingly popular among the population? After all, its price does not correspond to the average level of the average wages of Russians. In the same Moscow is just over $ 1000 a month. The answer lies in the psychological factor. The man who apply for a mortgage loan more confident in the future and is interested in the stability of his position. In addition, rent an apartment for a long time impossible. Rental housing for a period of 15-20 years is not practiced in Russia (although in the west is a common occurrence). So people renting accommodation, one way or another, move forward, that in itself is traumatic for many factors. Prefer to hire people, usually young, often working for free graphics, quick on your feet and not burdened with a family. Older people, especially family and have children, tend to prefer stability and housing, bought on a mortgage.