5 best ideas where to get money to repair your apartment
Repair is a laborious and expensive process. Not everyone succeeds even in a year to accumulate the amount necessary for cosmetic repairs, not to mention the capital. And the decoration and arrangement of a new apartment can even cost half the cost of purchased housing. But there are several ways to solve this problem.
We open a savings account in a bank
If the repair can wait some more time - the pipes do not break, and the wiring does not burn, then we can allocate several months for the accumulation of finances.
It is difficult for many to save money, because all the time there are important cases for which funds are required. In this case, it is better to open a savings account in a bank and direct part of the income there. So you can not only collect the required amount, but also increase capital. Some banks offer interest accrual in the amount of 5-7% per annum, and the longer the deposit term, the higher the percentage.
Before deciding on the amount deferred monthly, you need to carefully calculate all income and expenses. First of all, you should take into account the payment of loans and utility bills, and then divide the remaining funds into savings, daily expenses for travel, purchase of food and clothing, etc.
If you save 10-15% of income every month, then for a year it is quite possible to save up for a good redecoration of the entire apartment.
Making an installment card
If the goal is not to completely remodel the housing, but only to refresh the interior, then an installment card is a great option. On this card, you can take repair materials and furniture at a minimum percentage or even without it.
Many banks offer to issue an installment card. The available amount is usually not very large - an average of 100-300 thousand rubles, but this is enough to update the apartment. As the debt is paid off, the card limit is renewed.
Obtaining an installment card is quite simple, usually banks do not even require a visit to the office - just enter the necessary information on the official website, wait for the call from the manager and get your card by courier the next day or within a couple of hours.
An installment card has a number of indisputable advantages:
- issued to almost all people, even with a low income level (but the available limit amount depends on it);
- allows you to purchase goods in installments without interest;
- does not require going to the bank;
- sometimes it has a cashback function - part of the cost of purchases comes back;
- helps improve credit history.
But it is unlikely that such a card will help if it is necessary to carry out major repairs of housing. Then you have to take advantage of other offers of banks.
We take the right loan
Some banks offer targeted loans for overhaul of real estate, with or without collateral. Such a loan is more profitable than a regular consumer loan, but in order to get it, you need to fulfill several additional conditions: conclude an agreement with the construction team, draw up an estimate, collect a package of documents. In addition, the probability of failure is high enough, especially if the application is submitted without a deposit.
It is better to buy building materials for repair in stores that themselves provide loans - so you will get a number of advantages:
- the percentage is lower than in the bank;
- quick clearance (sometimes within an hour or two);
- the possibility of early repayment without penalties;
- repair, installation of plumbing, furniture assembly and other work can also sometimes be paid on credit if the store has its own team of necessary specialists, and this often happens.
The only minus of this method of lending is that all building materials will have to be ordered in one trading network, and it is not a fact that there are the necessary wallpapers, tiles and so on.
We sell old furniture and home decoration
It is rare that after repair, they leave old furniture in the house, because it does not combine with the new design of the premises. It is not necessary to throw out or hand out interior items - you can sell them and earn extra money.
Put not only unnecessary furniture on the Internet trading floors, but also clothing, jewelry, a car, household appliances - in short, everything that your family no longer uses for some reason. Things should be in good condition: it is recommended to wash and repair furniture before selling, wash and iron clothes.
We pay for services by barter
Professional construction companies work exclusively on a contractual basis and for money, but single specialists and small teams that sometimes make repairs much better can agree to other conditions.
Try to agree on the receipt of services in exchange for any product, such as an old car, furniture and other valuables, which are comparable in value to the remuneration of a finisher, plumber or electrician. Maybe you yourself can provide the repairman some useful service: to sew clothes, hold a festive event, become a tutor for a child, and so on.
It is very important to fix the conditions of cooperation at the official level: to certify the contract with a notary and indicate in it that the hired specialist or construction team undertakes to perform certain work for a particular product or service. In this case, both parties to the barter agreement will be protected from fraud.
When starting a repair, do not hesitate to look for advantageous offers and non-standard payment methods. Connect all available opportunities to save or get additional funds, because for the sake of a beautiful interior, you should discard prejudices and show perseverance.
