Two different ways to get a mortgage
Lived in the world Boy. Programmer, married, 2 children, eldest Son studies in Novosibirsk at the university.
The Guy has the opportunity to take out an IT mortgage at 6%. And they are with Wife We decided to get our son a good apartment in Novosibirsk: let him do what he wants with it, but the apartment is immediately purchased as a highly profitable property.
The guy approached the problem like a programmer.
To begin with, I found my business account – based on recommendations, I contacted a very cool Realtor in Novosibirsk – a specialist with a capital “S” or you can even just write “SPECIALIST”. When the Guy described to her the apartment he would like to buy, he gave the example of a residential complex on Aviatorov in Krasnoyarsk – he stayed there and really liked it. And the Realtor said: “You don’t have to continue, I was selling an apartment in this residential complex“. Curtain.
Next, the Guy (laziness is the engine of progress) thinks like this: you have to hang all this garbage off yourself, and so there’s not enough time, even just to sleep. And my healthy forehead is cooling down there in Novosibirsk. This is a mess. Brings together Realtor + Son + Wife. Limits the rules, including financial ones. And he withdraws himself.
That's all, the process has begun, Wife + Son are looking at something, comparing something, calling something up with a Realtor. And the Guy even reads this entire general correspondence diagonally, occasionally checking and correcting something. I spent about 6 hours on the circle at most, and the process is confidently moving towards the finish line, it would always be like this.
(But the Son and Wife, out of quiet sadness, are already tired of plowing like this; for them this is an extreme type of activity)
Recently the guy met his Friend – a serious, confident businessman, develops successfully, does not sit still. He had a similar situation 3 years ago – he bought an apartment with a mortgage for his daughter in Nizhny Novgorod (and had already paid it off), his goals were approximately similar to the Guy’s goals.
And the Guy thought: Well, I’ll ask for information from a person who has already gone all this way, maybe he’ll tell me something smart. While they were discussing, the Guy realized that his Friend was asking him questions that he was unable to answer. And interrupts the dialogue with this result: “Let’s do this, tomorrow my Son will call you and you will talk to him. Because I still didn’t understand half of it. And then I’ll ask him and you what you said there“.
And everything seems to be OK, but the Friend looks at the Guy with stunned eyes:
Listen, how can you do this, why are you such a moron? This is money, and a lot of it, there are a lot of options, the chance of getting screwed by a bad developer is great, there is a wide range in cost, and you gave everything to someone else. If you choose incorrectly, you could lose a couple of million.
Listen, you have an adult daughter who understands that she is buying an apartment, and an intelligent adult wife who understands that she is buying an apartment for her child. Do you really think that they will choose an apartment worse than you?
No, I don't think so.
What else do you need then?
But at that time they did not understand each other.
The next day, the Son called to report on his conversation with his Friend:
I found the second option for the selection strategy and looked at the tools that my Friend talked about. Dad, why do we even need a Realtor?
I mean, do you think you can handle it on your own?
In theory, yes, it’s heavier, of course, but I don’t see any problems.
Oh no, there are agreements, that's it. Secondly, you have worked with a Realtor for only a few weeks, and from 0 you have reached such a level that you plan to cope on your own. This makes me happy. But are you sure you took from her everything she can give?
Understood.
Was talking with a Friend helpful?
Yes, but I don’t want to get between you and I don’t participate in your quarrels.
Ummm. Didn't really understand?
Yes, he called you a dunce and convinced me to ask for more control over the course of the event. And now you called him names and said that he doesn’t understand a damn thing.
These are our internal problems, just friendly jokes.
But he doesn’t understand the main thing. Yes, I can take control, and I will most likely (but not necessarily) work better than you, due to my experience. Let's say the price drops by a million.
But if you look from the other side? Now, at 21 years old, under the supervision of a competent specialist, you are going through the process of solving a very difficult problem. I myself went through it closer to 30 and messed up very badly – we are still dealing with the consequences. And in addition, your father is constantly standing behind you, who doesn’t really interfere in anything, but sees everything and takes control sections. In short, like a pilot’s instructor in the sky, he is always ready to take control. And so far I have never done this. I believe that at the age of 21, getting experience in solving such an everyday situation is worth a million, taking into account inflation, I don’t mind.
Essentially, two smart adults are solving one problem, but I like my result much more.
And Friend could have done the same, would have bought this experience for his daughter and wife, but he simply did not look at this operation from that angle. And in addition, he spent a lot of time on this, which he could have easily poured into his business, and it would have been 100% more profitable for him in terms of the cost of the hour spent. That's why I also call him a dunce, nothing personal.))
And the Guy’s Son understood, but the Friend hasn’t yet.
