Which of us does not dream of not just buying a good apartment, but also save a pretty decent amount of money that can be spent on arranging their new housing? Perhaps you will be surprised, but this is quite real, and there are at least three completely legal ways to save on the purchase of your future apartment. Consider these methods in more detail and determine the pros and cons of each of them.
Buy an apartment in a new building at the initial stage of construction
Buying an apartment in a new building, indeed, allows you to buy not only affordable housing, but also buy an apartment with a modern layout, in the area with developed infrastructure and a good environmental situation. Experienced realtors claim that buying such an apartment is not only real, but it is also possible to even save up to 40% of its market value. This possibility gives the purchase of an apartment at the very beginning of official sales, when the foundation pit of the future multi -storey building is just starting to lay around. Moreover, depending on whether you buy an apartment in the houses of the first stage of construction or subsequent (second, third, etc. p.) the price will also change. This is due to the fact that at the beginning of the construction of the first houses of the new residential complex, the developer and the real estate agency, which directly cooperates with it, strives to attract as many potential buyers as possible and create a fairly active advertising campaign with the most attractive price per square meter.
Over time, when the construction begins to gain pace, and the first rented houses will appear, the residential complex will already have a very definite reputation, customers will be convinced that this project does not belong to the category of long -term construction and it can safely invest money, the price per square meter immediately will begin to grow. In exactly the same house at the same stage of the foundation, the apartment can be bought at a price, which will be higher by an average of 3-5%, and in some cases this difference reaches 12% per square meter. Therefore, it is logical that the first buyers will be in a more advantageous position, not only receiving their apartment before others, but also saving a tangible amount of money on its purchase. In terms of the cost per square meter, such a difference will be equal to one thousand rubles saved in the family budget. In addition, the most noticeable increase in prices is observed at the stage of completion of the construction of the pit and the appearance of the first floors of the building. Here the difference is already 15-20% of the cost of apartments sold at the level of the pit.
It is interesting that the price per square meter grows literally with the advent of each new floor and becomes maximum with the appearance of the roof and putting the house into operation. On average, the cost of a square meter increases by 30-35% between the stage of zero construction and the connection of all communal systems and the official commissioning. And this is a very significant difference. Even with the minimum cost of a square meter within the New Moscow, which is 80,000 rubles when buying a one -room apartment with a total area of 45 square meters. meters at the pits of the pit you save about one million rubles. Agree that the figure is very impressive. If you use a mortgage loan to pay the cost of your future apartment, then not only can you use the special conditions for delay and reduce the interest rate for the construction work period, and also save on the total loan. So buying apartments at the zero stage of construction is really profitable.
Another point on which you can save when buying such an apartment is the purchase of an apartment without finishing, which will cost you about 10-15% cheaper than a similar “turnkey” apartment. But in this matter you need to be very careful so that your savings do not turn into the future with even greater financial investments. On the one hand, buying an apartment without finishing allows you to save at the initial stage and calmly save money for the future repair, which you have to do after the official completion of construction and commissioning the house, which may stretch for several years. This is also beneficial when applying for a mortgage loan, as it can significantly reduce the loan amount. But, on the other hand, you get just a concrete box without interior ceilings and any even black finish. The cost of repair work in such an apartment will require significant financial investments. And you can not move to it soon. In the case of buying an apartment with decoration, you can transport your things there, immediately after receiving the keys. In addition, you always have the opportunity, if you do not live yourself in this apartment, then rent it out, receiving a stable monthly income.
There is also a third option for decorating an apartment, which will cost you an order of magnitude cheaper than an apartment rented “turnkey”, these are apartments with a rough finish, which include the preparation of walls, floors and ceilings, as well as summing up and connecting the main engineering systems. Repair work in such an apartment will be carried out much easier and faster than in an apartment without any finish in general. Of course, it is only you to decide, but do not forget the popular wisdom that he pays a stingy twice. So, the main plus of the purchase of an apartment in a new building at the zero stage of construction is the opportunity to buy a new, comfortable apartment at a minimum market price that will be a real house for you. In addition, very often developers hold various promotions, the most popular of which are finishes as a gift and New Year’s discounts in the amount of 3-5%. Using such promotions, you can save even more. The disadvantages of such a purchase include the risks of the transition of this construction in the category of long -term construction, and a large number of different fraud schemes for the sale of apartments at this stage. The most important rule must be verified all documents confirming the permit for the construction of this residential complex in this territory, as well as the availability of an official license to sell ready -made apartments.
It is most reliable to buy such apartments through a large and after checking the legal purity of the transaction. When buying such an apartment using credit funds, you will also receive an additional conclusion of the bank about the reliability of such a deal. Another group of minuses of such a purchase is due to the fact that the construction of a residential complex can stretch for several years. And, as a rule, before the end of the construction of the latter in this complex of the house, no one will deal with the development of a full -fledged infrastructure of the district. And you will have to endure the inconvenience associated with the construction work in neighboring houses within 5-7 years. But by the time of the end of all construction work and the arrangement of the district, your apartment will increase in price several times.
Buy an apartment in a house for demolition
Buying an apartment in a house, which is planned to plan to demolish in the near future, can become a very profitable investment for you. Indeed, when buying initially not the most attractive apartment in a panel five -story building, you will get a modern apartment in a new house as a result. Isn’t it a tempting proposal? At the same time, the cost of such an apartment in the secondary real estate market will be noticeably lower, the cost of an apartment in a new building. Of course, there are difficulties and pitfalls here. So, for example, one of the conditions for issuing a mortgage loan is the lack of a house in which you purchase an apartment in the lists of housing intended for demolition. An exception may be a situation when you own another apartment, on the key to which, and draws up the receipt of credit funds.
Another point that is worth paying attention to is a noticeable overestimation of the cost of one -room apartments in houses for demolition and quite real market prices for two and three -room apartments. This is due to the fact that one -room apartments are most popular among buyers of this category of houses. In general, sellers of such apartments try to get maximum benefit and artificially overstate the price of a similar economy class housing, but still it remains noticeably lower than prices for new housing. The next nuance that should be known about is restrictions on the registration and privatization of apartments, which can be introduced depending on the terms in which the demolition of the house is planned. Six months before the official demolition of the house, a ban on all real estate transactions comes into force. It makes sense to find out accurate information about plans for the demolition of the house, because very often these terms can be transferred and postponed. And all the same, with a successful combination of circumstances, you will undoubtedly win and receive a new apartment at the price of the “old”. At the same time, in the purchased apartment, it is absolutely not necessary to live in anticipation of the demolition of the house. You can rent it safely and receive additional income. If a residence permit in such houses after a certain moment can be prohibited, then renting to the list of restrictions is not included.
Make a gift for an apartment
It is worth mentioning right away that this method is not suitable for everyone, but only to those who have relatives ready for a related exchange or free transfer of property rights to their apartment. This is possible in a situation where some of your aunt leaves for a permanent residence in the country, and offers you his vacant apartment. Another more frequent option when grandparents move to live with your parents, and you, as a young family, leave their apartment. In this case, you not only do not need to spend money on the purchase of an apartment, but also on the services of realtors and conduct a legal examination of the purchased housing. Many people dream of this option, but not everyone knows the key points related to the design of a gift for the apartment. In the event that the apartment is transferred to the gift between the closest relatives, no costs, except for payment of state duty and notary services that certify the act of transfer of property rights, is required. If you get an apartment from more distant relatives, then you will be obliged to pay taxes in the amount of 13% of the market value of the apartment. In this case, the execution of the sales of the sales transaction, which, of course, will not in reality, will mean the transfer of funds will be more profitable. There is another plus in the execution of the sale and sale transactions, even if the next relatives give you the apartment. You have a chance not only to purchase an apartment for free, but also to receive monetary compensation from the state in the amount of 260 thousand rubles.
Few people know about their right to return the income tax when acquiring real estate. Every officially working citizen of our country has such an opportunity. The specified return amount is relevant when purchasing apartments, the cost of which exceeds one million rubles. You will need to collect a package of documents for the apartment, get a certificate from your place of work confirming your official income (in form 2 personal income tax) and fill out 3 personal income tax with an indication of a request to return the income tax in connection with the acquisition of residential real estate. You will have to submit these documents on time to the district branch of the tax inspectorate. Depending on the size of your monthly earnings, you can return the entire amount entirely during the current year or receive it in parts. There is nothing complicated in this procedure. Using the program posted on the official website of the Federal Tax Inspectorate, you will easily fill all the necessary fields of form 3 personal income tax 3. If you still doubt the correctness of filling out a tax return or do not have a well well enough, at the moment on the Internet you can find a fairly large number of companies offering their services to fill out this document.
We examined the three main ways to save your money when buying an apartment. As you can see, everything is not so difficult. It remains only to choose which of these methods is suitable for you. We wish you a successful deal!