When it comes to the construction of your home, many imagine such a picture: a beautiful two-story chalet, around which is equipped, grass to grass, alpine lawn, grow high expensive trees, paths from pebbles, a garage for two cars, in which Lamborgini peacefully grows. Well, or at worst, some rolling Mercedesik of millions so for the place …
If you do not take into account the oligarchs, then this can only be seen in dreams, or in the taxes of the tax, which expects people a tax for the real estate owned by him. The Ministry of Finance said that we defeated poverty, then we won, you need to believe …
In reality, everything looks a little different.
Each builds smoothly as much as the budget allows. And often it turns out that on one side of the street there is a strong brick house with the same Mercedes in the garage, and on the other side, not even a house, and a desperate attempt at least to build something for yourself.
When we started building our house — it was also a desperate attempt. For our salaries of young specialists, no bank gave mortgages. Once I went to the Sber, filed an application for the mortgage of odnushki, and when the bank specialist learned the amount of my salary, there was such contempt into her eyes.
What I was ashamed!
Mortgage, naturally, did not give.
10 years have passed. We built a house. Without mortgages and loans, without the help of the state or anyone else. Yes, it is not very big for our family, not without jambs, but I built it myself!
And I am not ashamed for him!
And recently … I recently, I had a friend walking along the village and, passing by one house, a friend poked his finger into him and said:
And the same ruin. I would have burned down with shame for such a house. Builds from Omna and sticks. Opposite what kind of good cottage, the cars are normal. And then … lucky with a neighbor.
In the evening I shared with my daughter seen, and she told me why it happened.
The owner of this house moved to Russia from Kazakhstan, actually throwing all his property local — forced. Magnitogorsk is located next to the border, and a lot of people are going to us, seduced by the presence of work and cheap housing (the cheapest in the country among cities with a population of 300-500 thousand people).
He got a job, worked for half a year, translated to Russia to Russia. The mortgage did not give him — the bank did not risk the sake of one man with a «bunch of mouths». For several years of work, he was able to accumulate to the plot, put a used bath and decided to build a wooden house.
He took a loan, brought a log house from Bashkortan, and after a month it set fire to it. Therefore, instead of a large wooden house, he decided to build from what would find. Inside a large foundation (the first number of blocks) collects a house 5-7 in a desperate attempt to close the roof at least something until winter. Somewhere grabbing the fight, somewhere stops KAMAZ with garbage, will take the residues of the solution.
A man lives with his family in the bath, as a loan for a log house has to give, and there is no money from the word at all. Every day, on old Zhiguli, he rides work, and in the evenings and the weekend is picking on the plot. For all attempts to help him, proudly responds with refusal:
I will earn myself!
And now the question is:
What is the answer?