Как купить квартиру без ипотеки? Кто-то скажет — накопить. Ещё кто-то добавит — обменять старую квартиру. Вопрос в другом. Допустим, мой доход стабильный, у меня есть работа с заработной платой 150 000 рублей и больше ничего нет. Как мне купить квартиру без ипотеки? Ответ — никак. А всё остальное — это риторика пиарщиков и маркетологов, которые завалили мой вопрос уклончивыми ответами вопросом на вопрос: «А что плохого в ипотеке?». Отвечаю. Я зашёл на официальные сайты топ-3 банков, которые указаны на сайте дом.рф, как самые часто выдающие ипотеку: Сбер, ВТБ и ДОМ.РФ, где рассчитал себе ипотеку на квартиру моей мечты.
Например, возьмём в расчёт 12 000 000 рублей. Итак, внимание, вот расчёты.
Сбербанк
Минимальный первоначальный взнос — 1 800 000 рублей
Сумма кредита — 10 200 000 рублей
Ежемесячный платёж — 97 137 рублей
Минимальный доход — 126 278 рублей
Срок кредита — 30 лет
Ставка — 11%
Итого я выплачу банку за 30 лет — 34 969 320 рублей
И самое главное — переплата СБЕР: 24 769 320 рублей
ВТБ
Минимальный первоначальный взнос — 2 408 000 рублей
Сумма кредита — 9 632 000 рублей
Ежемесячный платёж — 88 108 рублей
Минимальный доход — 155 000 рублей
Срок кредита — 30 лет
Ставка — 10,5%
Итого я выплачу банку за 30 лет — 31 718 880 рублей
И самое главное — переплата ВТБ: 22 086 880 рублей
ДОМ.РФ
Минимальный первоначальный взнос — 1 212 500 рублей
Сумма кредита — 10 912 500 рублей
Ежемесячный платёж — 101 495 рублей
Минимальный доход — 169 159 рублей
Срок кредита — 30 лет
Ставка — 10,7%
Итого я выплачу банку за 30 лет — 36 538 200 рублей
И самое главное — переплата ДОМ.РФ: 25 625 700 рублей
Т.е. квартиру своей мечты я покупаю не только себе, но ещё плюс две такие же отдаю банку. При этом такое ощущение, что эта тема беспокоит только меня одного. Учёные мужи, профессионалы рынка недвижимости регулярно обсуждают тему развития отрасли строительства, но в итоге дают конечному потребителю только один работающий инструмент, при этом загоняя людей в очевидно невыгодные условия. Всё равно что пригласить человека в дорогой ресторан, предложить ему на выбор обширное меню, но с условием: заказать можно всё, что он захочет, но есть может только крохотной зубочисткой.
Идём дальше! Теперь давайте разобьём возражение про: «ну они же дают большие деньги нам в долг». Да, но не с трёхкратной переплатой!!! Вспомните ситуацию, когда на кассе у одного из ритейлеров вам посчитали неверно стоимость товара. Мы приглашаем мерчендайзера. Он возвращает нам разницу в 30 рублей, например, за кетчуп, на котором сумма была указана неверно. А в банках, глядя нам в глаза, говорят о том, что вы купите квартиру себе и заплатите за неё как за три. И мы спокойно говорим «ОК». Пусть этот вопрос останется риторическим. Вам же я задам другой вопрос. Чем проблема отличается от точки роста? Точка роста — это когда мы обнаружили проблему и начали её решать. А данный вопрос не обсуждается никак, понижается только ставка, придумывают льготы, маткапиталы, военные ипотеки, субсидирование ставки от застройщиков, т. е. различные ипотечные «радости». Но в любом случае с переплатами и немалыми. Но есть ли инструмент покупки недвижимости без участия банка и долговых обязательств конечного потребителя? Нет, такого инструмента НЕ СУЩЕСТВУЕТ.
Дмитрий Кудинов, консультант, эксперт рынка недвижимости, автор направления — PR & Marketing для ответственных девелоперов.
Это выглядит как ночной кошмар. И скорее бы наступило утро, и эксперты рынка недвижимости, консультанты, девелоперы, риелторы начали говорить на эту тему. Но увы, никто не в состоянии пилить сук, на котором сидит. Если начнёшь лезть в банковское лобби, не получишь печеньки в виде бонусов от банков, а самому борзому могут и вовсе перекрыть кислород в виде неодобрения проектного финансирования. Поэтому все молчат и нахваливают ипотечные ставки, с ужасом глядя на ЦБ и его решения. Что я предлагаю? Предлагаю искать альтернативные способы приобретения недвижимости, начинать перестраивать правила игры в секторе новостроек и вторички, где решает клиент и девелопер или клиент и продавец. И где нет посредника, который всех обязал платить огромные проценты и комиссии на каждом этапе сделки.
Что в итоге нужно делать в такой ситуации? Обычно берётся опыт цивилизованных стран: Европы или США. Но у них кардинальных решений нет, так как быть по уши в кредитах — это уже для них норма жизни. Отчасти поэтому во всём мире снимать квартиру стало трендом. Единственный реальный способ, который я вижу в ближайшей перспективе — это участие государства в предоставлении не кредитов населению, а беспроцентных рассрочек на приобретение жилья на весь срок займа с возможностью не возвращать его или сократить срок, если выполнены какие-либо условия, направленные на созидание общества.
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This prevents the «post-PCT bloat» that makes customers assume gains disappeared.
Proviron does this by increasing the metabolites of different steroids, corresponding
to Dianabol. It additionally binds to SHBG (sex hormone-binding globulin) with a
excessive affinity, growing free testosterone levels.
Proviron (mesterolone) is an anabolic steroid that was commonly utilized in bodybuilding’s Golden Era of the
’70s, generally being stacked with Dianabol. Dianabol and trenbolone are two contrasting compounds, but each are used throughout bulking cycles thanks to their anabolism.
Trenbolone is a highly effective steroid, producing giant
gains in muscularity and energy. Moreover, Dianabol causes
vital extracellular water retention, causing bloating and a loss in muscle definition.
Long-term testosterone use by ladies could cause excess physique
hair, severe acne, elevated sex drive, and an enlarged clitoris.
Anadrol is mostly used within the offseason when attempting to get as huge as potential.
This is due to the compound typically causing plenty of water retention,
due to its estrogenic nature.
Healthcare suppliers mainly prescribe anabolic steroids to
treat low testosterone (male hypogonadism). However they use it for other circumstances as
well, corresponding to to stimulate muscle growth for individuals with
certain cancers or acquired immunodeficiency syndrome (AIDS).
Elevated bloating and water retention presents increased risks
for cardiovascular problems because of rising blood
stress and elevated fluids within the cardiovascular system.
Estrogen is thought in this manner to regulate fluid retention in the physique in each sexes[19].
It stands to cause that increased AVP ranges are correlated with increased Estrogen levels in the body.
Anabolic steroids that don’t aromatize (such as Trenbolone,
Anavar, Winstrol, and lots of more) excluding Anadrol, don’t contribute to this impact.
These doses are much greater than people who health care suppliers use for medical reasons.
Primobolan has garnered important reputation throughout the realms
of sports, bodybuilding, and fitness. Seizures of
anabolic steroids elevated by 26% within the UK final year to 995,830 doses, most
had been discovered on the UK border. Anabolic-androgenic steroids ought
to only be prescribed by a medical physician for clearly defined medical reasons.
Athletes who need to select a brief path to higher physique and efficiency by using artificial testosterone analogues
ought to be conscious of severe opposed results. As is the
case with many medication, anabolic steroids could be addictive.
The hepatotoxicity problem is resultant of the use of oral
anabolic steroids, particularly as a outcome of chemical modifications required so as to permit oral bioavailability of the hormone.
Anabolic steroids unmodified when ingested orally are metabolized in large quantities
by the liver into inactive metabolites to be excreted from the body.
This leads to insufficient amounts of the anabolic steroid reaching
the bloodstream to do its job.
Many British bodybuilders (and older bodybuilders) will use Primobolan stacked alongside Testosterone
to construct a mean cycle. Famend as the ‘lady steroid,’ Anvarol stands out
for its delicate unwanted facet effects, distinguishing it as
one of many most secure choices in the world of performance-enhancing substances.
Kidneys are very sensitive and, not like the liver,
they can not get well after injury. In Accordance to the journal Urology [1], Exogenous testosterone sometimes leads to atrophy of the
germinal cells in regular males with various degrees of suppression of
spermatogenesis. The testicles are made up of mostly two cell types – Leydig cells and germ cells.
Anabolic steroids are artificial substances that mimic
the consequences of pure testosterone. It will trigger some will increase
in muscle size, however this is much much less
dramatic in comparison with bulking steroids.
However, it’s extra adept at burning fat shops and leaning out customers.
This is as a end result of of girls having greater estrogen ranges, causing
distinct fats distribution compared to their male counterparts.
They’re usually utilized in mixture with other performance and
image-enhancing medicine (this is called «stacking»)
as well as drugs to counter the unwanted effects of steroids.
We have also seen Proviron cut back the estrogenic side
effects of Dianabol as a outcome of its working as a systemic anti-estrogenic agent (41).
Thus, gynecomastia and water retention (bloating) are less likely to happen with the addition of Proviron.
References:
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In Accordance to the Nationwide Institute on Drug Abuse,
an estimated 1 million Americans have used anabolic steroids for non-medical causes.
These are artificial versions of testosterone, the male sex hormone responsible for muscle development and male traits.
These steroids are often used illegally to enhance athletic performance and
enhance muscle mass. Anabolic steroids are often abused in bodybuilding and sports however carry critical health
and legal dangers. In Accordance to a examine published in the Journal of Clinical Endocrinology and Metabolism, anabolic
steroids, which are generally utilized in bodybuilding,
can enhance muscle mass by 5-20% and power by 25-50%.
The National Institute on Drug Abuse reports that
long-term steroid use can result in liver injury, high blood pressure, aggressive conduct,
and other health problems. On the opposite hand, anabolic steroids are synthetic substances derived
from testosterone.
According to our powerlifting sufferers, Dianabol is amongst the
most potent steroids for increasing raw energy and
power. If you suffer from hypogonadism and require testosterone for medicinal functions, we recommend Olympus Males’s testosterone substitute remedy
(TRT) program. In this text, we take a look at how long steroids keep in your
system, and subsequently stay detectable in drug tests.
The immune system is the body’s natural defence in opposition to illness and an infection. This may help treat
autoimmune situations, similar to rheumatoid arthritis,
autoimmune hepatitis or systemic lupus erythematosus (SLE), which are attributable to the immune system mistakenly attacking the body.
Steroid inhalers are steroids which might be breathed in and down into
your lungs.
Ideally, Andarine shouldn’t be used for any longer than 12 weeks, but a
cycle as short as eight weeks can still ship good results.
If you’re going to run an Andarine cycle, try
my full Andarine (S-4) cycle information. As A End Result Of some studies have shown unwanted side effects
at doses as little as 1mg, you can begin an LGD-4033 cycle
on as little as 2mg day by day. Most males will goal for a 10mg every
day dose, which you can gradually taper to as your cycle
progresses, merely growing your dose by 2mg weekly.
The medical benefits continue as Nandrolone has been shown to have a positive impact
on treating the developmental retardation in children as properly as
dwarfism. Nevertheless, while effective in all of those areas the place it
has stood out heavily is within the therapy of osteoporosis.
Sadly, in the U.S. it isn’t frequently prescribed for this.
Nandrolone is primarily prescribed for HIV sufferers
and with a excessive stage of success. It has also slowly grown in use
among anti-aging sufferers who bear therapeutic rejuvenation plans.
This hormone and its derivates are often generally identified as anabolic steroids.
Bodybuilders and weight lifters aren’t the only athletes to think
that anabolic steroid use is their highway to success.
Both terms describe synthetic substances which have been manufactured to mimic the consequences of testosterone, the sex hormone
primarily produced within the gonads – the glands concerned in reproduction (testicles or
ovaries).
Critical unwanted effects are much more likely if glucocorticoid drugs
have to be given systemically (by mouth or injection) somewhat than regionally (e.g., inhaled,
utilized to the pores and skin, or as eye drops). Cyp also has a popularity of
being the least painful to inject, reason being it’s the
least dense of the aforementioned esters. This once more requires «more oil»
to attain the same blood levels as them as nicely. Dissociatives distort the user’s notion of reality,
and as the name implies, causes them to dissociate from
their own physique.
Studying, for example, how ache would possibly really feel
post-injection in comparison with what an infection looks like can mean the difference
between making a decision to get medical assist or understanding
that you’ll heal naturally. This comes with time and expertise, however information is power, and the extra you realize about what can go mistaken, the less likelihood you’ll have of seeing any critical issues.
When you’re utilizing steroid compounds which might be fast-acting, they require extra frequent injections than these compounds which have
slower-release esters. Some compounds that need to be incessantly
injected include Winstrol and Testosterone Suspension. Apart From frequency, a few of these compounds are well-known to be significantly painful
to inject. IV injections are utilized in medical conditions, undertaken in hospitals beneath strict hygiene situations, and carried
out by medical professionals. Some illicit recreational drug customers
additionally use this type of injection.
It’s not as thrilling as a steroid like Dianbol that packs on measurement and strength seemingly in days or
that gives the overall impression of excitement similar to a steroid
like Trenbolone. But when it comes to an all around steroid,
one that produces quality gains, promotes so many well being benefits and produces solid outcomes, Nandrolone will at all times be on the high of the listing.
You should buy Nandrolone on-line from quite a few black market suppliers.
Nandrolone is not a commonly counterfeited steroid, however it does
happen. Of course you would possibly also find you’re buying from a direct
scammer, someone that takes your money and offers
no product. Nonetheless, there are a lot of high quality suppliers and
you’ll find it’s also some of the inexpensive steroids in the
marketplace.
References:
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