What is the difference between buying an apartment and an apartment? What is the difference between an apartment and an apartment? Mandatory payment per month

WhereEtotDom.RU turned to a professional to destroy the prevailing myths in the apartment market. About the advantages and disadvantages of apartments and whether it is worth buying them - read on.

Myths about apartments

From the point of view of professional realtor Natalia Shirokova, who has been working in the real estate market for more than 9 years, the main difference between apartments and apartments is as follows. - this is a non-residential premises in which there is a room or rooms equipped for living, a kitchen, a bathroom and other amenities. The expert explained concrete examples advantages and disadvantages of apartments.

For comparison, two pairs of apartments - apartments were selected. The first pair - in the neighborhood located an ordinary residential building on Yaroslavl highway and a multifunctional residential complex with apartments next to the park " Moose Island”, the second pair is next to the Vodny Stadion metro station, in which the developer offers both apartments and apartments.

Myth 1. Apartments are cheaper than apartments

Let's compare the cost of apartments and apartments in the multifunctional complex "Vodny" and on the Yaroslavl highway.

Indeed, apartments are not just cheaper, but much cheaper than similar apartments. in a neighboring house is more expensive than apartments by 36%. In the Vodny complex, the difference was 20%.

If you make a selection of apartments for 8 million rubles. in the area of apartments on the Yaroslavl highway, we see that for the same money you can buy:

2-room apartment

and even a 3-room apartment

Thus, the myth is confirmed.

Myth 2. High taxes on apartments

Indeed, the tax itself is 5 times higher. For residential premises - 0.1%, but for apartments - already 0.5% of the taxable base. Keep in mind that taxes are calculated based on the cadastral value of real estate, which is much lower for apartments.

The calculation on the example of apartments and apartments on the Yaroslavl highway looks like this:

In addition, the taxable base for an apartment can be reduced by an applicable tax deduction of 20 sq. m of the total area of the apartment for each owner of the apartment. However, the tax deduction does not apply to apartments.

Thus, tax payments for apartments are at least 14,662 rubles/year higher.

The difference between the apartment being compared and the apartments upon purchase is 2,900,000 rubles. Dividing this difference (2,900,000) by the “overpayment” in taxes of 14,662.67 rubles / year, we get 197 years.

The buyer who purchased the apartments, having paid 2.9 million rubles for them. less than for an apartment in a neighboring house, and paying taxes on 14,662.67 rubles. more, will save for 197 years.

The myth is confirmed: the tax rate is higher, but the savings are greater.

Myth 3. Apartments do not receive a tax deduction when they are purchased

Tax deduction available:

to, apartments, rooms, or shares (shares) in them in a finished house, or rights to an apartment, room or shares (shares) in them in a house under construction;
for the purchase of building and finishing materials;
for work related to the finishing of an apartment, a room or a share (shares) in them, as well as the costs of developing design and estimate documentation for finishing work;
for construction work (completion of a residential building or a share (s) in it, unfinished construction) and finishing;
for connection to networks of electricity, water and gas supply and sewerage or the creation of autonomous sources of electricity, water and gas supply and sewerage.

There is no tax deduction for apartments.

Here you need to take into account one more point: only citizens of the Russian Federation who are payers of personal income tax can use the tax deduction. For example, individual entrepreneurs working under the simplified taxation system will not be able to use it even if.

Myth confirmed.

Myth 3. Apartments are built on industrial lands “saturated” with heavy metals

All apartments can be divided into:

Apartments in the reconstructed buildings of factories and manufactories. For example, The Loft Club at 17, Dukhovskiy per., was erected on the site of the Tannery Factory in 1869, all buildings were built anew. Loft-quarter "Danilovskaya Manufactory" - reconstruction of the building of the former textile factory, which worked in the 19th century, where in some buildings there were bleaching shops. How dangerous such lands are is up to the buyer to decide.
Apartments in new buildings - Moscow City International Business Center, Vodny Multifunctional Center, etc. New complexes are being built next to residential buildings, on the same land.

The myth is destroyed, not all apartments are on industrial land.

Myth 4. It is impossible to check in at the apartment

Temporary registration is possible in apartments if the building in which they are located has the status of a hotel or apart-hotel, i.e. the certificate of ownership must contain the entry “non-residential premises hotel type” or “hotel-type apartments”. Such an opportunity is provided, for example, by MIBC Moscow-City and MFC Vodny.

With temporary registration, you can enroll a child in a kindergarten or school, attach to a clinic.

The myth has been busted.

Myth 5. Large utility bills

Many people think that the difference in utility bills between an apartment and an apartment is 2-3 times more.

Utility payments for apartments compared to apartments are indeed 20% higher. For example, for a 2-room apartment at 124 Yaroslavl Highway, the owner pays 4,500-5,000 rubles per month, and 6,000 rubles for an apartment in a neighboring house.

There is a difference, but it is insignificant.

Myth confirmed.

Myth 6. Banks do not provide mortgages for apartments

Indeed, banks have a very different approach to lending to apartments. Sberbank and Rosselkhozbank in this moment do not lend to apartments, but VTB 24, the Bank of Moscow and Delta Credit offer to issue a loan for apartments on the same terms as apartments (12-14%).

The myth has been busted.

Myth 7. Developers do not build social infrastructure near the apartment complex

We are talking about schools, kindergartens and clinics. Indeed, the developer is not obliged to build objects social infrastructure and usually doesn't. But many developers, given the high competition in the real estate market, are working on the concepts of their projects and taking into account the needs of future buyers. For example, in (Beregovoy passage, property 5) it is planned to build a polyclinic and kindergarten. In addition, apartment complexes are often built in areas with established infrastructure that can be used.

The myth has not been confirmed.

Based on the results of the analysis, the specialist advises choosing apartments in the following cases:

those who already have an apartment in which you can register;
entrepreneurs who can use the apartment as an office;
those who plan;
young and active, who buy a small area “to start”, that is, with the prospect of selling it in 3-5 years and acquiring a larger area.

Not so long ago, a new segment of housing called apartments appeared on the domestic real estate market. This concept came to us from Europe, where apartments are called rooms by the type of hotel rooms with an area of at least 40 square meters. m. The apartments include 1-2 rooms, a bathroom and a kitchen.

Apartments - what is it?

Since apartments exist on Russian market real estate is only a few years old, not everyone understands what it is.

So, we can distinguish the following features of the apartments:

Suitable for living premises with a footage of more than 40 square meters. m with a kitchen area and a bathroom;
At the stage of putting the property into operation, the apartments are already equipped with a minimum of furniture, and sometimes household appliances;
Citizens living in apartments can receive additional services, for example:

Room cleaning;
Order and delivery of food directly to the apartment;
Provision of parking spaces and security services;
Taxi ordering.

Apartments are not residential. The first apartment buildings were built in the Russian capital about 10 years ago. Apartments can be divided into several classes:

economy option;
comfort class;
business layer;
elite facilities.

IN Western countries apartments mean housing of a hotel type with service.

Order of the Ministry of Culture No. 1488 dated December 03, 2012 interprets apartments as follows - these are two or more living rooms with total area at least 40 sq. m, equipped for temporary residence and located in a hotel, sanatorium and similar institutions.

Thus, formally, the apartments are not intended for permanent residence and have a number significant differences from the usual living quarters. This will be discussed further.

Meanwhile, everything is brought to the real estate market more apartments. They are especially popular with residents of metropolitan areas. When choosing housing, people evaluate the advantages and disadvantages of this type of property.

Disadvantages of apartments

Since apartments are bought to live in or rent out, it is important to be aware of the shortcomings before making a deal. The disadvantages include:

Inability to select or re-elect a management company. As a rule, the management of the apart-building is carried out by the management company chosen by the developer;
Residents of apartments are forced to pay utility bills according to the tariff scale provided for non-residential premises. Accordingly, the cost of utilities will be slightly higher in comparison with the usual housing. On average, the difference is 2 - 3 thousand rubles in comparison with a dwelling of the same size;
Higher property tax compared to a standard apartment;
Inability to register permanently;
Restriction in the choice of mortgage programs in case of buying apartments with a mortgage. To date, not all banks are ready to finance the acquisition of such real estate;
Inability to receive a tax deduction;
When erecting apartment buildings, the developer may legally not comply with a number of requirements that are required to be met during the construction of residential buildings. In particular, the residents of the apartments may not have their own children's playground or a sufficient number of parking spaces.

The most susceptible to shortcomings are those who live in apartments on a permanent basis. People who use apartments as temporary housing or buy real estate for the purpose of renting out and have other real estate for permanent residence may hardly feel the indicated disadvantages.

Meanwhile, there are also advantages.

Advantages of the apartments

The main and often defining plus of real estate located in apart-buildings is its cost. The cost of building a building with apartments is lower than that of a residential building. Accordingly, the cost per square meter is also lower. The average difference is 10-15%.

In addition to the price, the following advantages of the apartments can be distinguished:

Good location.

For example, elite and business apartment buildings are being built in the central part of the city. It is these objects that are of interest to those buyers who purchase real estate for investment or in order to emphasize their own status.

Such objects are of interest to top managers whose families actually live outside the city or in a quieter area, or companies that purchase housing for their own staff.

Uniqueness.

Since apartments are not yet sufficiently promoted in the real estate market, each developer strives to make their own project unique and stand out from other objects.

The proximity of infrastructure facilities and the possibility of obtaining additional services.

Buildings with apartments are being built taking into account the requirements for hotel premises, their residents can count on additional services.

What is the difference between an apartment and an apartment?

It is important to understand the difference between an ordinary living space and an apartment. It consists in the following:

The apartments have nothing to do with the housing stock and are actually used for living, and for the organization of office space;
The minimum area of apartments - 40 "squares", apartments - much less;
To carry out the redevelopment of a dwelling, the owner will have to go through a number of instances in order to agree on the changes. It is less labor-intensive to carry out redevelopment in apartments;
Buying an apartment, the owner and his family members can register in the premises on a permanent basis. Only temporary check-in is possible in the apartments;
Norms and SNiPs for the construction of residential buildings and apartments are somewhat different. In particular, the apart-objects are subject to increased fire safety requirements: the buildings are equipped with an additional fire escape. In addition, the construction of a building with apartments is possible on those lands that for some reason are not suitable for residential housing construction;
Various requirements for the design of the local area. The standards for the construction of residential buildings provide for mandatory improvement of the territory adjacent to the house until the housing is put into operation. This means that children's walking areas and recreation areas should be organized for residents of the house, parking places, planted green spaces. Since the apartment building belongs to non-residential facilities, it can be put into operation without the developer performing a full range of the above landscaping works. Meanwhile, many developers, in order to increase competitiveness, further ennoble the territory adjacent to the apart-object;
The residential buildings and the apartment building are managed by a specialized company. At the same time, an important difference is that the residents of the apartments cannot re-elect the management company. The amount of payment for utilities in apartments is several thousand rubles higher than the payment in an apartment of equal footage. In addition, the item "expenses for building management" is additionally included in the costs.

Legal status of the apartments

At the moment, the concept of "apartments" is not fixed at the legislative level. Formally, this is real estate related to the non-residential fund. In fact, apartments are residential, less often office space.

– new object in the real estate market, some difficulties may arise when acquiring them. A number of developers sell apartments under equity participation agreements.

Buyers of such premises need to remember that in practice, the courts consider apartments as non-residential objects - source of investment income. For this reason, in the event of litigation, the law on participation in shared construction (214-FZ) cannot be applied, and it is not easy to return the money allocated for the purchase of apartments.

Many people do not quite understand what is meant by this definition. Yes, in Italian or French, where the term came from, appartamento or appartement denote an apartment, but there is no official concept of apartments in the regulations of the Russian Federation. This is the name of the premises belonging to the non-residential fund, where comfortable living conditions are created. Often apartments can be found in hotel buildings and office buildings, but all of them are intended only for temporary residence of citizens.

What is the difference between an apartment and an apartment

First of all, it is worth noting that these two concepts mean completely different things. Before buying a property, it is important to understand how an apartment differs from a regular dwelling. The difference is as follows:

The minimum area of apartments starts from 40 sq. m, the number of rooms - from 2. In addition, a prerequisite is the presence of a kitchen and a bathroom.
The objects do not belong to the housing stock, they are actually used for living and as office space.
To redevelop a dwelling, the owner must go through many instances to agree on the changes. For a non-residential facility, redevelopment is a less labor-intensive procedure.
When buying an apartment, all family members, including the owner, can register on a permanent basis. Residents of premises belonging to the non-residential fund are allowed temporary registration.
SNiPs and norms for the construction of these two types of housing have differences. Apart-objects must meet increased fire safety requirements: buildings are equipped with an additional fire escape. In addition, the construction of a building where apartments will be located is allowed only on lands that, for certain reasons, cannot be used for residential construction.
The design of the local area has different requirements. According to construction standards, the developer is obliged to improve the territory adjacent to the house before the housing is put into operation. Since the apartment building is not a residential property, it can be put on the real estate market without a full range of landscaping work.
The building with apartments and residential building is managed by a specialized company. An important difference between an apartment and an apartment is that the residents of an object belonging to the non-residential fund do not have the right to re-elect the management company. The cost for utilities in an apartment is several thousand rubles less than a payment for a non-residential object of equal footage. In addition, in the second case, the payment includes a fee for "building management costs".

Advantages and disadvantages

In the real estate market, the share of apartments is growing every day, because demand creates supply. Such real estate is especially popular among residents of megacities. When choosing a living space, buyers find out what are the pros and cons of this type of premises. As for the advantages of such a purchase, it is worth highlighting the following:

Living in a large living space in the city center near social infrastructure, because the construction of new residential complexes in central regions metropolitan areas are practically non-existent.
The cost is 20-25% cheaper than the price per "square" in a residential new building, which is located in the same market segment.
The possibility of moving as soon as possible - as soon as the building is put into operation. Non-residential facilities are leased and sold ready-to-live-in, so the owner will be able to move in immediately after receiving the keys.
Residents of the apartments are provided health care, places in kindergartens and schools on the same basis as the owners of apartments.
If you do not want to live in the purchased object, the owner can rent it out by contacting the specialists of the management company, so as not to look for tenants on their own.
Residents enjoy additional services on the territory of apart-complexes: shops, spas, fitness rooms, beauty salons, restaurants. In addition, owners of premises that are serviced by their own service companies can order services provided in hotel rooms: laundry, cleaning, food delivery.
Residents save on the repair of only acquired housing, because all the finishing work has already been completed there, and some objects are equipped with furniture.

The demand for this type of premises is growing, but before buying this type of housing, it is still worth learning about its shortcomings. The following disadvantages of the apartments are distinguished:

High tariffs for utility bills, which also include the cost of additional services, which often cannot be refused even if desired.
The inability to obtain a permanent residence permit, only a temporary one for a period of 5 years.
The apartments are not designed for comfortable living for families with children.
Aparthotel developers are not obliged to provide parking spaces for the apartment buildings.

Kinds

Elite and economy class objects are put on the real estate market. Separate the following types of housing:

Rooms in apart-hotels are the most budget options. Mostly apartments are rented for a short period. Often they have from two rooms, a bathroom, a kitchen, and hotel services are provided to the residents.
Rooms in tenement house intended for delivery to long term. Cleaning, security, catering services are available to the owner and household members.
Rooms in condominium hotels. Premises are rented, while residents are provided with all hotel services. Some of them are redeemed for life.
Apartments located in multifunctional complexes. Hotel services for residents are not provided, because the objects are closer in status to apartments. In addition, they involve the sale and the possibility of temporary registration.

Classes

Demand for apartments located in mixed-use complexes today already accounts for 18% of all housing being built. Wherein this species premises are divided into different classes:

Class A - studio version. Represents living room combined with kitchen. The area of the object ranges from 40 to 50 "squares". Often young families live in studios without children or singles. The cost of renting an apartment starts from 40 thousand rubles / month.
Class B - a room with 2-3 rooms, a kitchen and a bathroom. Suitable for both students and families with a child.
Class C - spacious apartments with 3-5 rooms with a total area of more than 100 square meters. m. Large families buy or rent such houses, for which life in the center of the metropolis is a priority. For investors of this kind, objects are an unprofitable investment.
Luxury class. The property is in big cities, while the object is a villa on the ocean or a prestigious penthouse on top of a skyscraper. Attached to the premises additional service: security, restaurants, entertainment, leisure services. Often, apartments are two rooms with separate baths, and they are considered elite due to their favorable location and expensive finishes.

Purchase

When purchasing an apartment, it is important to pay attention to the indicated area of the premises. The future owner should know that if the property also includes the adjacent territory and common areas, then the communal tax will be calculated from the entire area. It should be noted that for apartments, unlike rooms, houses and apartments, there are no tax deductions. In addition to the area of \u200b\u200bthe premises, it is advisable for the buyer to consider:

what is the legal status of future housing;
operational parameters;
location;
layout.

Nuances of registration in apartments

The properties are not considered residential, so one of the disadvantages of living in them is the inability to obtain registration at the place of residence. As practice shows, it is still possible to register, but temporarily - for 5 years, and provided that according to the documents the apartments are designated as a hotel. Each time after 5 years, you can register again, while the number of times is not limited. Another option to get a permanent residence permit is to wait until the state recognizes the apartments as residential facilities, because the draft federal law on this matter has already been prepared by the Ministry of Construction.

If in the cadastral passport, other technical document, the main thing is that in the single database of Rosreestr the building is designated as a shopping or office center, also if the area itself is indicated for offices, catering points or other form of commercial use, then registration is impossible, even temporary. When registering at the place of residence, the purpose of the building also plays an important role:

in the hotel there should be no problems with temporary registration;
in apartments that are located in a commercial and office building, even temporarily it is impossible to register.

What is the apartment tax

This is influenced by the information specified in the title documents, the cadastral passport and the unified database of Rosreestr. The minimum tax possible when calculating this type of property is 0.5% of the cadastral value, maximum value can reach 2%. For comparison, the tax rate for a residential apartment in a new building is only 0.1%.

In Moscow, more than 30% of housing sold in the capital has the status of apartments, not apartments. What is the difference between apartments and apartments in Moscow, let's figure it out.
Under apartments in Moscow and apartments, say, in European countries different premises can be implied - it all depends on the legislation. In Russia apartments - more commercial real estate than residential, although it is bought for housing mainly. How will such housing in Moscow differ from an ordinary apartment?
Apartment and flat. What is the difference?
Differences will be at the design stage, construction approval. Why are apartments cheaper than apartments? Because building apartments is easier from a legal point of view and cheaper. An apartment is a room intended for permanent residence, apartments, according to our laws, are intended for temporary residence. Accordingly, the requirements for insolation, sound insulation, ventilation, fire protection, and the like are reduced. The builder of apartments spends more money and time on approvals, is forced to build polyclinics and kindergartens. The builder of apartments has no obligations to build social infrastructure.
Living in apartments has its own legal nuances. Since the premises are not for permanent residence, it is impossible to register in it. The apartments can be located in an office building or in a hotel building. In the latter, temporary registration is possible for up to five years. Such registration practically equalizes apartment owners with ordinary Muscovites, but, for example, an application for admission of their child to a school will be considered after the applications of local residents are considered.
What is the difference between buying an apartment and buying an apartment?
When buying apartments until 2016, there were no tax deductions and benefits, but now the legislation has been advanced in this regard. Although deductions do not apply to all apartments, there are limitations. Residents of apartments cannot create an HOA. Residents of apartments jointly own the non-residential areas of their home. Residents of the apartments own only their apartments, they do not have the right to share ownership of the common property in the apartment complex - landings, stairs, halls, elevators, technical floors, attics, basements with engineering communications ... All these attics and basements another owner - the developer or his management company. By the way, you will have to pay for a communal apartment at higher rates (they are higher by at least 18% VAT plus the appetites of the management company, which is not chosen here). The court cannot evict debtors from an apartment (only from a mortgage bought), if this is their only housing. You can put the debtor out of the apartment - according to the court, of course.
The price of apartments is very attractive. But when choosing an apartment, one must be aware of the disadvantages and costs that such a purchase will lead to.

More and more apartments appear on the Moscow real estate market, but not all buyers fully understand what are the features of such housing. Service specialists kvartirolog.ru told The Village what apartments are, how they basically differ from apartments and what is more profitable to take a mortgage if you have initial savings.

What is an apartment?

Apartments - legally non-residential premises intended for temporary residence. They are usually located in converted buildings in the city center or in new developments where the developer was unable or unwilling to obtain a residential building permit. Such buildings are usually designed as non-residential - hotel, office or other purposes. The type of building affects the amount of property tax.

Modern apartments, as a rule, are not inferior residential buildings in the improvement of the territory and infrastructure of the house. But when buying them, you should pay attention to whether the apartments are only located in this building and on your floor, or there will also be offices or even retail space. The most comfortable option is, of course, an apartment in a house where apartments are also for sale.

The legal status of non-residential premises imposes a number of restrictions on apartments:

You cannot register in them - you can only get a temporary registration for five years with the possibility of renewal. At the same time, you and your child will be able to use clinics, hospitals, schools and kindergartens in the area.

If one of the neighbors makes noise all night, you will have no legal basis to influence it.

Utility bills in apartments are 15-20% higher than in apartments - this difference arises due to different city tariffs for residential and non-residential premises. The same applies to property tax: it is 0.5% of the cost for hotel-type objects and other real estate objects, which include most apartments, and 2% for office premises. The tax on an apartment for individuals is 0.1% of its value if it does not exceed 10 million rubles. The rate for more expensive objects is higher and can reach 2%.

The developer is not obliged to comply with the norms intended for residential premises: the level of insolation, infrastructure development, etc. In fact, the norms are usually not violated much, especially if there are apartments in the same residential complex.

What does the apartment market look like in Moscow

Up to 30% comes the difference in price between apartments and apartments. One-room apartments are on average cheaper than comparable apartments by 15%, two-room apartments - by 20%. As you move away from the center, the difference in price, as a rule, grows. True, some apartments are more expensive than comparable apartments.

About 50% residential complexes with apartments belong to the business class, a little less than 40% - to the elite class, 10% - to the comfort class.

2.3 million rubles there are the cheapest apartments within the Moscow Ring Road (16 sq. m. in Marfin with delivery at the end of 2018). For 2.4 million rubles, you can buy an apartment of 25 square meters. m. in Vostochny Biryulyovo, which they promise to hand over at the end of this year.

How different are the prices for apartments and apartments

Moscow region

Minimum price of an apartment, million rubles

The minimum price of apartments, million rubles

from Sadovoye to TTK

5.2 (36 m²)

3.2 (17 m²)

near the Third Ring Road

4.1 (22 m²)

4.4 (27 m²)

from TTK to MKAD

2.4 (25 m²)

2.3 (16 m²)

What is more profitable to take a mortgage?

Suppose you want to buy a property near the Third Ring Road, no further than two or three stations from the Circle Line within 15 minutes on foot from the metro. You are considering business-class residential complexes with delivery in 2018 and choose a one-room apartment or apartments with an area of about 40 sq. m. On average, such an apartment will cost 9.1 million rubles, and apartments - 7.8 million rubles.

Let's say you have 3 million rubles as a down payment, the rest can be mortgaged at 11.7% per annum (the average mortgage rate in Moscow for the 1st quarter of 2017 according to the Central Bank of the Russian Federation) for 15 years. The cost of compulsory property insurance will be 0.15% (accrued annually on the balance of the debt) per year. At the same time, it is desirable that your income be at least 150 thousand rubles if you buy an apartment, and 180 thousand rubles if you buy an apartment: it is recommended that the monthly mortgage payment be no more than 40% of earnings.

How much will a mortgage cost

Expenses

Apartment, million rubles

Apartments, million rubles

Object cost

An initial fee

Amount of credit

Total payments for the entire term of the loan

Thus, with an initial difference in price between an apartment and apartments of 1.3 million rubles, the final difference in the mortgage is 2.8 million rubles.