Na co zwrócić uwagę przy zakupie mieszkania?

Na co zwrócić uwagę przy zakupie mieszkania?

Zapewne większość ludzi, decydujących się na kupno swojego wymarzonego „M” zadaje sobie pytanie: „na co zwrócić uwagę przy zakupie mieszkania?”. Odpowiedź na nie jest kwestią bardzo indywidualną i zależy od wielu czynników. Powinniśmy zdawać sobie sprawę, że jest to zakup na długie lata i właśnie dlatego musimy dokładnie to przemyśleć, żeby później nie żałować pochopnie podjętej decyzji. Od razu chciałabym zaznaczyć, że nie jestem żadną specjalistką ds. nieruchomości a tekst będzie bazował wyłącznie na moim doświadczeniu.

 

Rynek wtórny czy rynek pierwotny?

Na początku naszej drogi powinniśmy określić czy decydujemy się na kupno mieszkania z rynku wtórnego, czy wolimy mieć większy wpływ na jego ostateczny wygląd i koncentrujemy się na rynku pierwotnym. Oba warianty mają swoje plusy i minusy.

Decydując się na mieszkanie z rynku pierwotnego sami decydujemy o tym, jak będzie wyglądało nasze mieszkanie. Chodzi mi tu zarówno o kwestie wizualne, jak i te związane z rozkładem pomieszczeń. Nie wiem czy wiecie, ale duża część deweloperów daje swoim klientom możliwość zadecydowania o rozmieszczeniu ścian działowych, instalacji sanitarnych, elektrycznych itd. Oczywiście zależy to od etapu budowy – w naszym przypadku było już niestety za późno. Gdy zdecydowaliśmy się na zakup, mieszkanie było już praktycznie gotowe do odbioru.

Dużym minusem takich mieszkań jest to, że po jego kupnie musimy być przygotowani na niekończące się wydatki – wszakże zaczynamy wszystko od zera.

W przypadku mieszkań z rynku wtórnego niewątpliwym plusem jest to, że ich cena jest z reguły niższa. Istnieje również możliwość wprowadzenia się „od zaraz”. Chwała Bogu, jeśli poprzedni właściciele mieli podobny gust do naszego. Gorzej jest w przypadku gdy cena jest rewelacyjna, lokalizacja idealna a wystrój… no cóż… pozostawia wiele do życzenia.

 

Cena mieszkania

Kolejnym kryterium są oczywiście nasze możliwości finansowe. Musimy zastanowić się, ile chcemy lub też ile możemy przeznaczyć na jego zakup. Nie ukrywam, że w naszym przypadku cena miała decydujący wpływ na wybór mieszkania. Zaznaczę, że byliśmy wtedy „na dorobku”. W sumie to nadal jesteśmy 😉 Nie chcieliśmy więc zapożyczać się w banku na długie lata.

W tamtym okresie mieliśmy na oku kilka nieruchomości. Jedno mieszkanie znajdowało się w prestiżowej dzielnicy Szczecina. Miało ok. 80 m2, posiadało ogródek, garderobę, dwie łazienki, ale jego cena (ok. 5000zł/m2) wykraczała nieco poza nasze możliwości. Gdybyśmy zdecydowali się na jego zakup, nie dość że płacilibyśmy dużą ratę kredytu, to w dodatku przez długi czas nie byłoby nas stać na jego wykończenie. Szybko więc odrzuciliśmy tą ofertę.

 

Lokalizacja i okolica

Następnym, bardzo ważnym aspektem jest lokalizacja naszej przyszłej nieruchomości. Powinniśmy ustalić co jest dla nas ważne, jaki prowadzimy tryb życia oraz jakie mamy priorytety. Czy chcemy mieszkać w centrum, czy może codzienne dojazdy do pracy lub szkoły nie będą dla nas przeszkodą. Czy w pobliżu jest jakiś sklep, przystanki komunikacji miejskiej, park itd. Jeśli mamy dzieci to powinniśmy zwrócić uwagę, czy w okolicy jest plac zabaw, przedszkole, szkoła itd.

Odpowiednia lokalizacja ma bardzo duży wpływ na komfort naszego życia. Wpływa również na poczucie bezpieczeństwa, dlatego trzeba uważnie zastanowić się nad nią, żeby później nie żałować swojej decyzji.

 

na co zwrócić uwagę przy zakupie mieszkania

 

Moje priorytety

No dobra, to teraz opowiem Wam, co mną najbardziej kierowało przy zakupie mieszkania 😉 Na początku zrobiłam sobie listę „must have”:

1) ogródek lub duży taras,

2) 3 pokoje,

3) blisko centrum oraz mojej rodzinnej miejscowości,

4) z racji tego, że jestem niezmotoryzowana – bliskość do przystanków komunikacji miejskiej,

5) cena do 4600zł/m2,

6) odpowiedni układ mieszkania (salon z aneksem i miejscem na stół dla min. 6 osób, dużo szaf).

Kwestia rynku wtórnego i pierwotnego na początku była dla mnie raczej obojętna. Dopiero gdy zaczęłam przeglądać oferty „używanych” mieszkań zobaczyłam, że wszystkie te, które wizualnie wpadły mi w oko kosztowały tyle co domek jednorodzinny… Szybko więc zmieniłam zdanie i zaczęłam skupiać się wyłącznie na mieszkaniach w stanie deweloperskim.

Trafiłam wtedy po raz pierwszy na ofertę mojego przyszłego osiedla. I choć cena była rewelacyjna (3333zł/m2!!!), układ mieszkania wymarzony, lokalizacja idealna, widok z okna przepiękny, to jednak brak ogródka lub choćby balkonu (!) i nie ukrywajmy – bardzo zaniedbana dzielnica – sprawiły, że na jakiś czas odrzuciłam tą ofertę. W międzyczasie byłam już zdecydowana na kupno innego mieszkania, które spełniało prawie wszystkie moje kryteria (oprócz punktu nr 3), jednak ktoś sprzątnął mi je sprzed nosa 😉

Chciałabym jeszcze dodać, że bardzo spieszyło nam się z kupnem mieszkania, gdyż przez kilka lat mieszkaliśmy u moich rodziców i było to uciążliwe zarówno dla nas, jak i dla nich. Poza tym w następnym roku miały zaostrzyć się kryteria przyznawania dofinansowania MDM oraz te, dotyczące wkładu własnego.

 

Moje mieszkanie

Co więc sprawiło, że oferta którą szybko odrzuciłam, z powrotem wróciła na wokandę? Telefon od przyjaciółki o treści: „Wiesz co Sylwia? Zdecydowaliśmy się z mężem, że na 100% kupujemy tutaj mieszkanie”. Tak więc do długiej listy plusów mogłam dopisać „przyjaciółka pod ręką” 😉

 

na co zwrócić uwagę przy kupnie mieszkania

 

Czy żałuję? I tak, i nie… Niewątpliwym plusem był fakt, że mogłam urządzić mieszkanie tak jak chciałam oraz to, że rata kredytu wynosi tyle co wynajem mikro kawalerki. Oprócz tego, zakup tej nieruchomości traktowałam poniekąd jako inwestycję. Na dzień dzisiejszy mieszkania w nowo wybudowanych blokach kosztują już między 4200 a 4900zł/m2. Dodatkowo cała okolica objęta jest Lokalnym Programem Rewitalizacji Miasta Szczecina, więc istnieje szansa na to, że w najbliższym czasie okolica trochę się zmieni.

A minusy? Chociaż na co dzień aż tak tego nie odczuwam, to jednak czasem brakuję mi balkonu. W szczególności, gdy naoglądam się na Instagramie zdjęć tych wszystkich, przepięknych, wymuskanych tarasów… Wyobrażam wtedy sobie, że wspaniale byłoby wyłożyć się na takim balkonie z jakąś dobrą książką w ręku… 😉 Poza tym, mimo że lokalizacja jest ok., to jednak zaniedbana okolica, brak sklepu w pobliżu (czyt. przed domem), ścieżek spacerowych, miejsc gdzie można by wyskoczyć „na kawkę”, spora odległość do przystanku i przede wszystkim chęć ciągłej zmiany powoduję, że za kilka lat (o ile nasza sytuacja finansowa trochę się poprawi) będziemy rozglądać się za innym mieszkaniem…

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