Where to get money to build a house? I have chosen strategy

I think many people who are faced with the process of the construction of his house, the question arises: where to get so much money? For some reason, almost all the given scheme: to build, we need immediately, millions, or even not start.

And well, if you're somewhere they earned, saved over the years, received from the sale of other real estate. In general, if you are available. These people are building a house for almost a year. Quite the other extreme - it is when people sell their car, an apartment and run to the banks still hold.

Rarely meet reasonable approach to the intermediate-planned and optimized in all embodiments. And they are. In this article I want to tell their visibility as I act is not the first year.

But first take a look antiprimer, the real story incorrectly chosen strategy, which played its role zamanuha trust advertising and lack of errors of all construction stages and their opportunities.

With a minimum of resources House wanted to have as soon as possible. Such examples, according to the stalled construction projects in the vicinity of each city - thousands, if not tens or even hundreds of thousands all over the country.

What would this do not happen, you need to choose a strategy and to consider every stage of construction. But I will not give examples of other people, write as I do.

I am not a business owner, I do not have passive income from real estate or stocks. I am an employee on the payroll with a certain degree of freedom of movement and work schedule. Therefore, the means by which I can do something about it - it saved from the salary. Or loans.

I'm not a big loans. I'm generally not in favor of loans. But often, they allow to carry out something that will go over the years. I think that the credit in our Russian reality (highest%) more than 500 thousand. rub. - this bondage. For small payments and longer repayment term - you feed bank. So while the ranks without credits.

I decided as follows: there is money - mastering the amount for a certain amount of work on the site. No money - no global is taken. Those who have read my previous articles knows that I after the construction of the bath did not build anything in the years 2014-15-16. And then, on the construction of a bath in the first year I took my parents 100 thousand. rub.

Perhaps the easiest in those years was due to the fact that I'm just not yet decided on what side approaches to the construction process. The case moved only after the strategy chosen phased self-construction.

My costs at a Glance:

- in 2010 - costs 202 thousand. rub. (Tools, foundation, frame and roof bath):

- in 2011-13gg. - 122 thousand. rub. (Finish bath);

- in 2017. the main object of the construction fence was 220 thousand. rub. per season.

- in 2018. the main thing - the construction of the foundation: 328 thousand. rub. per season.

- in 2019. sufficient funds for the erection of the first floor is not saved with overlap. Therefore, in this season ranks front fence and order drilling wells under water. Maybe even build a septic tank.

As can be seen, for the season, I do not spend huge amounts of money (on the scale of the cost of the house). For the rural hinterland is a large amount. But for the city - is quite capable to save. Often one save 20-30 thousand. per month for most citizens is unreal. And if his wife?

Suppose wages in the family of the couple 40 thousand. rubles (Although many even less). But let's start from this minimum amount. If postpone each of 10-15 thousand. per month, the two of them for a year can be saved 240-360 thousand. rub. This is a normal amount for such steps as:

- the construction of the foundation;

- the construction of the walls and floor of the ground floor;

- the construction of the second floor (optional);

- the construction of the roof (people);

- installation of windows and installation of floor heating;

- installation of the heating system, together with a specialist;

- internal finishing works and electrician.

Provided, however, that most of the work you do yourself. In my case, I build myself and only at their own expense. Spouse is engaged in other costs, another financial burden.

Yes, the construction of the plan is extended for at least seven years. And sometimes you need to change the car to rest. There may be unforeseen large expenses. Then you need a pause in construction, or to seek additional revenue. But in any case, to do something on the site, you can always.

Another criterion - time. I build not only on weekends, during holiday time, but also in the evenings: 4-5 hours after the main work. Yes, I do not spend a lot of gasoline, yes - you get tired. But it is cheaper than hiring a team and every night to go and supervise their work.

There are sources of funds: someone sells an old country house, someone is investing in the construction of the parent capital, someone finds a more seasonal work, etc. Funds are, if there is needs. I believe that in 7-10 years can be almost the same to build a house without any loans. And such examples - too much.

I recommend channels in youtube: "We build for themselves" (Samostroyschik Constantine) and «Dmitrii Koblikov». These are the people with whom you need to follow the example in this topic self-construction:

With this in mind, I chose the foundation of the structure, the material of the walls and floors of the technology. That would be in the case of stopping the construction could mothball construction without any consequences for the unfinished structure: base-plate, the walls of aerated concrete and concrete floors.

In contrast, for example, from log homes where you have to build walls and a roof in a single season. Otherwise, the upper crowns and joists of the regular wetting and drying deformed screw. Those. We need money immediately on the construction of the box and the roof of the house for the season. But this is a topic for another article.

Yes, self-construction - is a long time. But if you want to start before comfortably live in nature without the urban smog and bustle - start earlier. In any case - you need to have time until retirement. And do not build a big house. Children over the years, will part of their families.

I regret that three years is absolutely nothing to do in the area, though he could. I wish those who have the desire and opportunity - to save time, and examine the information on the construction, to do the project, to break all the steps and begin to embody their dreams.

Read more: View of the village with a bird's eye view

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