Kommersant was looking for the best option. Apartments in a new building

Apart-hotel "YES"

The ongoing ubiquitous technical progress of this century, the emergence of new technologies in the field of world science and technology necessitate the constant development of the social infrastructure of society, including the real estate market, which can fully satisfy the population's need for housing.

Currently, in the real estate industry, the two key objects that are the main focus of both developers and potential buyers are apartments and apartments. These residential objects have both similar features and many fundamental differences. Their presence is explained, among other things, by the difference in the purposes for which they are acquired.

The factors that distinguish apartments from apartments vary greatly depending on which country to consider - for example, Russia or one of the European ones.

Apartment interior

In a general sense, apartments differ from apartments in their housing "status" - they are a kind of temporary housing with a standard set of amenities and communications. This type of housing most often provides for its residents a standard level of comfort, being something like a hotel room, but not having the full range of qualities and characteristics necessary for a full-fledged living, and providing them with the most minimal list of legal guarantees and benefits that owners own apartments.

Having outlined an approximate, general picture of the difference between apartments and apartments, we will consider the criteria for the difference between them in more detail, starting with the real estate market Russia:

1. Legal status and the possibility of registration.

From the point of view of legal norms, apartments are not legally valuable housing. Registration and registration at the place of residence of citizens living in them is impossible even if there is documentation confirming their ownership of it. There is only the possibility of temporary registration of the owner of the apartments, but only if they are located in a building that is an apart-hotel or hotel.

2. The level of development of social infrastructure.

This difference concerns the construction of various social facilities near apart-hotels and complexes, providing a comfortable, full and most convenient accommodation for residents of apartments in the area. These facilities include mainly children's educational and preschool educational institutions, hospitals, etc. The companies involved in the construction of apart-hotels are not subject to the obligation to provide apartment owners with this kind of social infrastructure in this residential area. In other words, there is a risk of acquiring an apartment in an uninhabited area, which may remain a bedroom, even though the developers may make promises of the speedy and comprehensive development of infrastructure in this place.

3. Housing cost.

A significant and rather significant advantage of apartments is their lower cost compared to apartments, which is explained by the developer's lack of obligations to develop and expand social infrastructure in the area where the apart-hotel is being built. However, relevant legal regulations are currently being prepared by the state legislature, according to which social obligations will apply to companies engaged in the development of such housing.

But until such laws are adopted, the price per square meter in apartments and apartments is very different - the size of the difference in their cost is from 10 to 15%, depending on the level of comfort of housing and, of course, the city and district in which it is located.

Petrovsky Apart House

4. The amount of rent.

Based on this criterion, buying an apartment will be more profitable than buying an apartment. The amount of payment for housing and communal services in the latter is much higher than when living in an apartment due to value added tax. The standard difference is 18%, but if we consider individual tariffs for housing communications in apartments, then the difference in the amount of payment compared to apartments will be even higher - this applies to payment for cold and hot water, sewerage, heating and other utilities.

The situation is even more complicated in those cases when the housing communications of apart-hotels are connected to city networks by intermediary organizations, which, in turn, wind up an additional percentage for their own services.

5. Lack of benefits and subsidies for utility bills.

Apartment owners do not have the right to use subsidies or benefits for the payment of housing communications if their monthly income is below the established norm. But, due to the lower cost of such housing compared to apartments, this price difference is relatively balanced.

6. Expected increase in the tax value of the apartment living space.

Legislative bodies of the Russian Federation in the near future promise to raise the tax rate on non-residential property by 0.5%. For apartments, it is 0.1%.

7. The situation with the common property of the aparthotel.

According to the Housing Code of the Russian Federation, the owners of apartments in multi-storey buildings bear joint and equal share responsibility for the technical premises located in them. The owners of the apartments are not mentioned in this document.

There is a high probability that the apart-hotel developer, taking advantage of his own "monopoly" position, will impose services of this kind on his residents, and this, most often, is fraught with excessive winding up of tariffs for utility bills.

8. Inability to form a homeowners association.

Due to the fact that the apartments do not have the legal status of residential premises, their owners do not have the opportunity to create an HOA to jointly solve emerging common housing problems. However, it is possible to create some other forms of partnership with a similar purpose.

9. The possibility of free redevelopment of housing.

Apartment owners have the right to re-plan their accommodation without obtaining a special permit for this, which is not possible when living in an apartment. The only condition that must be observed in this case is a guarantee that the changes made will not harm the structure of the premises and will not jeopardize the safety of the residents living in the apart-hotel.

Free layout

Having described the differences between apartments and apartments in Russia, you can go to Europe. Here, many criteria for the difference are similar to those in Russia - for example, a higher amount of utility bills compared to apartments.

If we talk about specific countries, then in Spain apartments differ from apartments, mainly in the presence of a fenced area with small social infrastructure facilities common to residents.

In a country like Bulgaria, an apartment is called an apartment, consisting of at least two rooms, as well as compactly accommodating furniture and household appliances built into the walls, which is completely optional and uncharacteristic for similar housing in Russia. In addition, apart-hotels in this country provide their residents with a range of additional services - security services, free parking, fitness and spa salons, playgrounds for children, and more. All these factors cause here a higher level of cost of apartments compared to apartments.

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 the advantages and disadvantages of the apartments with concrete examples.

For comparison, two pairs of apartments - apartments were selected. The first pair is located next to an ordinary residential building on Yaroslavl Highway and a multifunctional residential complex with apartments next to the Losiny Ostrov park, 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. So, for example, individual entrepreneurs working under a 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 of a 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 currently do not lend to apartments, but VTB 24, 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 social infrastructure facilities, and, as a rule, does not. 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 proezd, vl. 5) it is planned to build a polyclinic and a 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.

The concept of "apartment" is associated with luxurious, stylish real estate, which has magical advantages over ordinary housing. However, from a legal point of view, we are not talking about housing at all. Apartments are commercial real estate belonging to the non-residential fund.

Apartment and apartment - the main differences

So what is the difference between an apartment and an apartment? Apartments belong to non-residential stock and can even be located on the territory of office shopping centers, while an apartment is a housing stock. However, one thing unites these two categories of real estate - they are really designed for living!

The concept of an apartment clearly regulated by law - this is real estate for people to live in, which must comply with all construction SNIPs, as well as sanitary and fire standards.

The concept of apartments not covered by Russian law. It is only indicated that they should consist of at least two living rooms, a kitchen and a prerequisite - the total area of ​​\u200b\u200bthe premises is more than 40 sq.m.

Benefits of the apartments

Those who purchase apartments know their advantages in advance.

• Infrastructure- during the construction of apartments, the developer immediately thinks through the infrastructure. Unfortunately, apartments do not always boast this.
• Repair- they are usually distinguished by luxurious renovations made using the latest trends and fashion trends. Necessarily - a design project, free planning and expensive equipment.
• Hotel rooms- in terms of layout and design, apartments are often similar to premium hotel rooms. To this end, they are often rented out and often the tenant in such a property does not have to think about changing linen, towels, or cleaning the home. The owner of the apartments takes care of the entire economic part. There is no such service in ordinary apartments.

Such permanent residences are chosen by outside-the-box people who love when the surrounding space matches their personality. Apartments emphasize the high status of their owner.

Is it possible to register in the apartments?

It is not possible to obtain a permanent registration in the apartments. Only temporary and only if this property is a hotel complex.

According to practice, it is possible to register at the place of residence in an apartment, but only if the documents provide for an appointment for a hotel and only temporarily, for a period of 5 years. Of course, after 5 years, you can register again and so on an infinite number of times.

If, according to the cadastral passport, other technical documentation, and most importantly, in the unified database of Rosreestr, the purpose of the building is registered as a shopping or office center, and also if the purpose of the apartments themselves is directly indicated for offices, catering points or other forms of commercial use, then you cannot register in the apartments, even temporarily.

When registering, a lot depends on the purpose of the building:

• If this is a hotel (and there are only 10-15% of them on the market), then there should be no problems with temporary registration.
• It is impossible to register even temporarily in apartments located in a retail and office building.

However, buyers of such housing, as a rule, have other housing and are aware of the impossibility of registration and do not ask such questions.

Cons of apartments

Despite the external luxury and the elevated status of such real estate, there are serious disadvantages of apartments.

• Price- Increased cost compared to conventional housing. The price of apartments will be 10-20% higher. But here it is worth noting that many developers are beginning to offer simpler apartments for sale, and then the cost, on the contrary, is lower than for apartments.
• Tax- Another significant drawback is the property tax, which is calculated from the cadastral value of not housing, but, accordingly, the building in which the apartments are located. Basically, the tax is 0.5% of the cadastral value. However, if the apartments are part of an office building, then this is at least 2% per year. And given the high cadastral value, the annual amount is very impressive.
• Public utilities- tariffs for a communal apartment for commercial real estate are many times higher.

It is important when purchasing such housing to focus on the area of ​​\u200b\u200bthe premises. If the real estate includes a local area, common areas, then the owner must know that the tax will be calculated from the entire specified area

What is the property tax on apartments?

Much depends on what is written in the title documents, what information is contained in the cadastral passport and the unified database of Rosreestr.

The minimum that is possible when calculating the tax on this type of property is 0.5%, and the maximum is 2% of the cadastral value (see). Recall that for simple housing, a tax rate of 0.1% is provided.

The difference is huge, but what does it depend on?

In order to pay tax at the rate of 0.5%, property in the form of apartments must simultaneously meet three requirements:

1. Be located in a building designated as a hotel.
2. Do not have a direct indication in the documentation that the purpose of the apartments is intended for offices, shops, catering, etc.
3. Do not have a cadastral value of more than 300,000 rubles.

If at least one condition is not met, the tax increases to 2%.

When purchasing an apartment, it is important to pay attention to the area of ​​​​the room. If the real estate includes the local area, common areas, then the owner must know that the tax will be calculated from the entire specified area.

By the way, there are no tax deductions for apartments, as for apartments, rooms and houses.

Communal payments

Comparing payments for utilities of apartments and apartments, we must not forget that we are talking about residential and non-residential stock. For any non-residential premises in our country, higher utility rates are provided. The difference, of course, is not stunning, but 10%, and in some houses even 30% higher than in ordinary apartments.

There is another nuance here - the services of a management company. Usually there is a standard list of services that they provide and which the owners cannot refuse (concierge, intercom, cleaning of the territory, etc.). For apartments, there is a special list of services for which you will need to pay extra. For example, cleaning the premises, ironing clothes, etc. Apartment owners are not provided with such comfortable conditions.

Can apartments be converted into housing stock?

Currently, legal practice is not yet so extensive as to unequivocally answer this question. Yes, such precedents exist. An important condition is the consent of all the owners of the building, because apartments are often considered shared ownership.

In Moscow, cases of transferring multi-storey buildings from apartments to the purpose of an apartment are known. But here it is worth paying attention to the fact that the transfer of apartments into housing stock became legally possible only thanks to the litigation and the competent approach of lawyers.

A simplified procedure, without trial, has not yet been worked out at the administrative level. When purchasing apartments in the property, it is simply necessary to understand this nuance.

It would seem that it could be easier than buying a property? Just choose the option you like, pay and enjoy. However, in the real estate market, a novice can not only "get lost", but also make a fatal mistake by choosing a type of property that does not meet the needs. Today, together with the editors of the site, we will take a closer look at apartments and apartments - what is the difference, and what type of real estate is better to buy.

In addition to the usual odnushki, dvushek and treshki, such properties as studios or apartments have appeared on the market. Many do not understand what it is, and what such real estate is. And the difference between an apartment and an apartment is that apartments are non-residential premises. They serve for administrative tasks, often fall under the premises of "hotels".

Pros and cons of apartments

The main nuance is that the apartments are commercial non-residential premises. Therefore, it is impossible to get a residence permit there, which is a minus. Because of this, it is impossible to get a job (since there is no registration), attach to a polyclinic at the place of residence, arrange children in a kindergarten or school.

If we consider this form of real estate, in terms of renting it out, then its acquisition is one of the advantages, since the purchase price is lower, and you can rent it out at a market price. As they say, business and nothing personal.

What is the difference between an apartment and an apartment, in terms of legislation

Consider the main aspects indicating the legal difference between apartments and apartments. After all, the conditions of the future transaction depend on them.

Why is it impossible to permanently register in the apartments

The apartments are commercial property. Most often they are located on the ground floors in residential buildings. But most people buy them for living. From the point of view of legislation, there is no exact wording of apartments, therefore, in fact, real estate falls under the category of administrative buildings. You cannot register in this room, but temporary residence is allowed. In fact, this is a commercial foundation with the possibility of living.

Differences in the requirements for the developer for the construction of social facilities

Often, it is in new homes that such real estate is sold at a very attractive price. Therefore, questions arise, what are apartments in new buildings, and is it worth buying them?

If we talk about the construction of apartments in comparison with ordinary apartments, then the first ones are easier to build, but only in terms of documentation. Much simpler registration, lighter requirements, the possibility of selling real estate before the completion of work in full. From a technical point of view, there are practically no differences. The only difference is that the apartments have a loyal attitude to the layout, or rather, in many cases it is free.

Apartment tax

The tax on apartments is much lower than on apartments. For the former, the tax reaches 0.3% (of the cadastral price), but for the latter it reaches 2%. Realtors claim that it will be lower, since the areas of the premises are incomparable, but this is not so. With an equal area, the tax on apartments will be higher.

In addition to the property tax, prices for utilities will be a third higher. You will have to overpay for electricity, gas, water, heating. Since, according to the law, this is not a residential building, but a commercial one.

Difference in use of government subsidies for lower-middle income and disability

The premises are not residential, therefore, subsidies, benefits, for any income, do not apply to it. One of the advantages is that apartments cannot be recovered in lawsuits. Even in cases where they are the only home of the family. The law on subsidies and property deductions also do not apply to apartments, as they are not applicable to non-residential premises.

Differences in the tax on apartments and apartments at present and in the future

Apartment owners can do redevelopment without affecting structural units and load-bearing walls. This also applies to apartment owners. But the difference lies in the fact that additional rules related to commercial real estate apply to the latter.

But if you follow the letter of the law, permission for redevelopment in both cases must be obtained from the appropriate authority. But in the case of an apartment, since access to it is limited, redevelopment may not be noticed at all by the regulatory authority. But with apartments, since this is a commercial product, an overlay may come out in the form of an unexpected check at the request of attentive citizens.

Can the apartments be converted into housing stock?

Theoretically, this is quite possible, but there will be quite a lot of trouble. First you need to make sure that it is possible to transfer this room to another status at all. If such premises are located in an industrial area or in production, then the transfer will not be possible. To obtain a permit, apartments must pass the norm for the penetration of sunlight inside. This is called insolation. In addition, there are a number of other procedures, such as supplying communications to the premises.

Why apartments are cheaper than apartments

Often the thesis “apartments are cheaper” is a misconception. In one area, especially closer to the city center, the price for them will be higher than for apartments. It increases by 30-35% of the regular price of an apartment in the same building. This is due to the fact that apartments are commercial non-residential real estate, and it is allowed to place fitness rooms, shops, beauty salons and others in it.

Due to the location of the apartments of the elite level, their price will be equal to the cost of the apartment. This does not apply to premises in residential areas, but to those located in business centers on the top floors. Their price does not change even during the crisis and the general decline in real estate prices.

How are apartments different from studios?

In fact, this is a question of how a residential building differs from a non-residential one. A mandatory requirement, according to SNIP and GOST, for residential premises is the presence of the necessary communications: electricity, water supply, drainage (sewerage), separate access to the premises (individual entrance), as well as the separation of rooms of different classes by walls or partitions.

Regarding separation, the bathroom should always be isolated. If the apartment has isolation of the bathroom, but the rest of the premises are combined (bedroom, kitchen), then the apartment receives the status of a studio. Very often, a one-room apartment is given out as a studio, in which they made redevelopment and demolished the kitchen partition. In fact, it is, by law, a studio, but then there should not be a corridor as such.

Studios are different, this is not a simple cramped one-room apartment, as many people think. The area of ​​such premises can be equal to the area of ​​two- or even four-room apartments. There are simply zones for certain purposes. This type of real estate is very common in countries with rich economies. Studios are often bought by people who are not burdened with children or relatives who require living with the owner. This is considered youth housing. The price for such apartments is 20-30% lower than the market price, without taking into account the floor on which they are located. Of course, the studio can easily be converted into an ordinary apartment by rebuilding the partitions in it.

If we talk about apartments, then they can have everything the same as in an ordinary apartment or studio. If such real estate is located in normal areas, all the necessary communications are present, and there are no restrictions on registration actions, then it will be much faster to re-register from non-residential to residential premises.

Is it worth buying an apartment, according to an expert

When buying premises of this type, it is worth considering the nuances described above. If registration is not required, and you need the premises only because of the convenience of the location or status, especially since the communal apartment does not scare you, then you can safely purchase it. Transfer to the housing stock is possible, but in practice there are quite a few cases. This is due to the requirements for the premises described in the previous paragraph.

How much do apartments cost when renting premises

When renting apartments, the price tag will be slightly higher than that of ordinary apartments, by about 20%. This is due to the fact that they are located in prestigious areas where there is practically no residential property. But this is in the hands of those who work in the area and do not want to spend several hours on the way home. Those who live or have lived in big cities will understand that in some cases it is better to pay extra for rent and get home with greater convenience than to spend the same money on travel (gasoline) + stand in traffic jams and wake up neither light nor dawn, so as not to be late for work.

More and more apartments appear on the Moscow real estate market, but not all buyers fully understand what are the features of such housing. Specialists of the kvartirolog.ru service told The Village what apartments are, how they differ from apartments in principle, and what is more profitable to take out 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 to 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 area

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.