Dreams of their home are visited by many - because it means freedom, no neighbors behind the wall, living earth under their feet. You can build a house, you can buy already built - the price of the issue is significantly different. Today we will discuss what is cheaper - to build a house or buy a finished one, and also we will take into account some additional nuances affecting the cost.
We can concretize our desires and opportunities
It would seem that, in addition to the required amount, more future homeowners should not worry about anything. However, it is worth remembering that the amount of this amount can vary widely - from $ 300 to $ 1,000 per m 2 . It depends on a combination of many factors:
- location of the building;
- selected materials and technologies;
- method of purchase;
- unexpectedly turned up in time advantageous option .
Initially, you need to decide exactly what the family needs. How many rooms should be in the house, what other rooms are needed (an attic, a large basement, perhaps a pool or a billiard room). Decide what level of engineering communications is acceptable to you. The layout and harmonious arrangement of the rooms is important, for example, the presence of a cozy veranda or a spacious storeroom.
And before you buy or build a house, answer a few simple questions:
How long are you ready to wait for the housewarming? For some, this is irrelevant, but someone cares about every week. And in the literal sense - for example, you have to pay big money for rental housing. Or be replenished family. You never know situations.
Do you want to delve into the construction business? Let you not build it yourself, but entrust everything to professionals, but time and the forces will have to spend pretty. Moreover, it is desirable to at least understand a little the essence of what is happening. If this causes you to actively reject, then you should not torment yourself.
Do you want to control the construction progress? After all, it depends on the materials chosen and the quality of the work done, how comfortable you will live afterwards.
Can I invest money gradually? This option eliminates the need to borrow.
After you answer all the above questions, we will weigh all the requirements and possibilities, estimate how they are combined with each of the options for finding a home.
1. We are building a new house - if there is nowhere to hurry
This option is the simplest, so it is the majority that chooses it, deciding whether to build a house or buy it ready. It is simple not in terms of performance, but in the sense that it is not necessary to look for houses (there are few quality and cheap ones on the market). We need only a project, materials, performers and a plot of land.
It is from the acquisition of the plot that we begin. We make a start from its features, being defined with the project (it can be ordered individually or taken ready). Then - building. Which you can fully assume by finding workers, purchasing materials and checking quality. Or entrust the contracting firm.
+ Advantages of building a house:
- You can put all dreams and desires, making the building convenient for any family member.
- By controlling the quality of materials and work, you can save yourself from the need for subsequent repairs.
- It is possible to regulate their involvement in construction. Do you want to visit the construction site yourself Want - entrust everything to the contractor.
- You can invest gradually, at each stage. True, the extension of the construction process increases the cost of the house.
- Cons of building a house:
- Remember that quickly settle will not work. For example, a stone house is only designed from 3 to 6 months. Build about a year. If it is necessary quickly, then it will be only the frame house under construction from 2 to 5 months.
The cost of building a square meter of a house made of stone materials is from $ 600 to $ 650. The frame building will be cheaper - from $ 300 to $ 400. When performing part of the work yourself, you can reduce costs by 30%. If all work is entrusted to the contractor, on the contrary, throw from 10 to 20%.
Cottage Towns: Expensive, but Convenient
For those who do not want to delve into the affairs of construction and dream of a comfortable house, this option is quite to taste - the developer is engaged in everything. Here it is important to choose the right company, and then there are unscrupulous.
Construction usually starts from the zero cycle, a project prepared by professionals is proposed (you can also build a project, however). There are options for small houses - up to 200 m 2 . Often there is an opportunity to take a loan from a partner bank.
There is a square meter here from $ 800 to $ 1,000. You can agree on a phased funding (but it happens that the construction is delayed indefinitely). There are also ready-for-sale buildings.
If there is not enough money
Then there are the following options:
1. Buy a smaller house. Pick up the option allowing later to make completion.
2. Get an old house that is cheaper. Later it is rebuilt.
3. Instead of a stone house built frame or wooden (which will cost 20-30% cheaper).
4. Carry out a series of works independently - that’s another 30% savings in your pocket.
5. Instead of building from ceramic bricks, use aerated concrete - from 5 to 10% savings.
2. We buy a built house, ready for living - faster, but more expensive
Acquisition can be made from a private owner or from a developer company (in a cottage town). Not bad, if the house had a little time to live, having tested it. If something goes wrong (the foundation is weak, the insulation is weak), it will be immediately visible. At the same time find out how much you have to pay for utilities.
And if the house is built specifically for sale, then treat the purchase carefully. Sometimes the developer, wanting to get the maximum profit, saves on everything: materials, decoration, quality of work.
With even greater caution should be applied to houses built in the nineties of the last century. It was in those difficult times that many buildings were built using obsolete technologies, and the materials for them were used of very low quality. Later the situation improved.
+ Pros of buying a house
- You can quickly enter.
- Repair will usually not be necessary for a long time.
- Cons of buying a home
- All dreams can hardly be realized - a ready-made solution will be in some way a compromise.
- You will have to pay the entire amount at once - for m 2 from $ 800 (stone house) to $ 500 (frame house).
- Funds for the purchase of finished housing will need 20 - 35% more than for the construction of a similar house.
A bit about townhouses
This is a relatively new trend - you will not find an old townhouse. So called economical buildings, united by common walls of houses, characterized by a small length of communications and small areas nearby - up to 5 acres. The rooms in the house are 3-5, there is often a garage (built-in).
Usually townhouses are built on the outskirts of the city. They cost around $ 400-500 per m 2 . If you buy an unfinished house, just wait for the end of construction - because the buildings are dependent on each other and make up the complex.
If you buy unfinished
Reasoning that it is more profitable to build a house or buy a house - some come to a compromise. They choose unfinished, which abound in the market. Some are just boxes, others do not only have finishes. The last option is not bad, as it will be cheaper than the finished house and will allow to finish everything to your liking.
But with boxes it is worth being careful - it is possible that it will be cheaper to complete the construction than to start from scratch. Only an expert will say this for sure.
3. We save, buying the old house
At first we will be defined that it means "old". It is customary to call buildings built more than 25 years ago. They have the wrong level of planning and less technological engineering solutions. The windows are usually small, the rooms too (due to the proximity of the supporting walls).
It is cheaper to buy a house, where the old is everything - both the walls and the inner filling. But you have to spend time and money on repairs, insulation, replacement of equipment. If the latter is already installed, it will be easier (but more expensive). However, you still need to carry out a number of internal work.
It happens that the previous owners have already equipped the house with a modern "filling", inserting plastic windows, insulating the walls and attic, conducting new communications and installing new equipment. In such cases, only a small redecoration is needed. But the price for the house increases.
+ Pros of buying an old house
- If the building is stone (brick), then it can stand up to 100 years, without destruction. At the same time, compared with the construction of a similar house, there is an opportunity to save money.
- Cons of buying an old house
- Construction and repair work will certainly be required, to what extent, depends on the quality of the building. Requires a good inspection before purchase.
- Terms for the introduction can be long. While you will find, while you will repair.
- It is necessary to pay once - the entire amount. About 100 to 500 $ per m2.
Summing up and matching our needs with the possibilities
To make it easier to evaluate what is better - to build a house or buy a ready one, we have compiled two tables.
Table 1. Various options and scenarios, depending on the individual wishes of future owners:
| Needs | Options for finding a home |
|---|---|
| Everything should correspond to individual requests for 100%. | Construction of a new building using a project from a catalog or a specially designed one. |
| There is a need for fast settlement. | Acquisition of a finished house (new). |
| Acquisition of an old house, fully or partially equipped. | |
| There is no opportunity to engage in construction or / or desire | a turnkey construction order from a specialized company. |
| Acquisition of a new home. | |
| Acquisition of an old house with a complete renovation and modernization. | |
| Ordering the construction of a house in a cottage town. | |
| I would like to personally control the purchase of materials and all stages of construction. | Construction by own or catalog project, in a cooperative or in a private way. |
| There is a need to invest in parts. | Construction of a house of stone materials, requiring a long construction. |
Table 2. The following table lists possible scenarios and prices for houses with a total area of about 150 m 2 . Although in the presence of $ 30,000 or less, you will have to look for a much smaller house (about half).
| Amount Available, $ | Home Acquisition Options |
|---|---|
| 100 000 | Purchase of a finished brick or aerated concrete house. |
| Construction of a house of aerated concrete or brick. | |
| 75 000 | Acquisition of a new aerated or brick house (unfinished). |
| Acquisition of a townhouse or frame building (fully finished). | |
| Construction of a house made of ceramic bricks or aerated concrete. | |
| 50 000 | Acquisition of an old house completely ready for housing (with all utilities and finishes). |
| Construction of a frame house. | |
| 30 000 | Acquisition of an old house of smaller dimensions with a minimum of amenities (planning to complete and improve it). |
| Construction of a frame building of smaller dimensions. | |
| Acquisition of a small townhouse - up to 60 m2. |
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