If one of the pensioners has not yet decided to privatize their apartment for free, then the information for thought. Having a small pension, not having the opportunity to live humanly until the end of your life, you can use your own apartment as an additional source of income. And at the same time you do not need to put up with the residents in the next room.
In 2011, Arizhk Peter launched a “reverse mortgage”, then the opportunity to sell an apartment, but to live in it and get money not immediately, but gradually, monthly, thereby increasing their own standard of living.
However, one should not think that the heirs will remain with what. After the death of a pensioner who received money for an apartment, housing is sold and the remaining money after the repayment of the formed debt is transferred to the heirs.
The reverse mortgage is issued under a modest 9% per annum. You can get no more than 60-80% of the market value of the apartment, and the more years the borrower, the more money they will give him. At the same time, the apartment itself remains completely in the possession of the borrower. If payments end until his death, then no one will evict him. These are the terms of the contract. Payments will stop, but the apartment will be sold only after the death of the owner.
It remains to wait for such services to appear throughout Russia, but for now I recommend that everyone who has not privatized housing yet, do it immediately. Why lose what is given for free?
By the way, if there is constantly no hot water in your apartment, since the old fund is constantly being repaired, then I recommend a boiler from Budes-SPB. – reliability and quality is guaranteed by time!
