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How to save money when buying an apartment?
Покупка квартиры является ответственным шагом и требует серьезных денежных вложений. Многим российским семьям приходится годами копить средства для приобретения собственного жилья либо брать долгосрочные ипотечные кредиты и выплачивать их с процентами. Вопрос экономии при покупке квартиры актуален для большинства людей, желающих приобрести недвижимость.
How to save money when buying an apartment
There is an option to purchase cheap housing on the secondary market. The owner of a residential property that is in an unattractive condition and requires serious repairs will offer the buyer a discount and sell the apartment at a reasonable price. However, serious costs will be required to put such housing in order. As a result, the total amount of expenses will be an impressive amount. In addition, carrying out repairs involves trouble and spending precious personal time.
Получить существенную экономию позволяет приобретение квартиры в новостройке на ранней стадии возведения объекта, например, в Подмосковье Нахабино Ясное The residential complex is growing rapidly. Participants in shared construction who have entered into an agreement with the developer during the period of design work or laying the foundation manage to save 30-35% of the cost of the finished apartment.
Many developers at the initial stages of the construction of a house hold special promotions for participants in shared construction, which save 5-10% of the cost of the future apartment.
How to save money when buying an apartment
Many people are convinced that apartments located on the outer floors are not very comfortable, so such housing is less in demand and is cheaper than residential premises on the central floors. You should carefully weigh all the advantages and disadvantages of living on the first or last floor in order to take advantage of the profitable option for buying real estate.
If the windows of the apartment on the ground floor do not face the roadway, but a calm and quiet courtyard, then no inconvenience is expected for the residents. In addition, such living space has special advantages for the elderly and families with small children.
Apartments on the top floors are bypassed by buyers due to fears of roof leakage. However, the residents of the lower floors are not insured against the flood caused by the neighbors above. The management company is responsible for repairing the roof. In the event of flooding of the apartment, residents have the opportunity to demand compensation for damage from it in court.
How can I save more?
When buying an apartment, saving only a few percent of the cost of the property will be a decent amount. All possible measures should be taken to reduce costs. Finding a suitable property on your own will require some trouble, but it will save about 3% of the cost of housing on the payment of intermediary services of a real estate agency.
It is necessary to study the announcements posted on special sites on the Internet and in the relevant printed publications, listen to word of mouth, read leaflets on city pedestals. It is worth calling the sellers of real estate and finding out detailed information about the objects, coming to view the apartments. A suitable option will definitely be found.
After buying an apartment, you should exercise your right to a tax deduction, which can be 13% of the cost of housing, but is limited to 2000000 rubles. When buying an apartment in joint ownership by spouses, each of them has the right to receive a tax deduction.
However, it is hardly worth saving on services for the legal registration of the transaction. Otherwise, the risk of serious problems in the future increases, the solution of which will cost a considerable amount. The best option is notarization of the transaction, which guarantees the observance of the legitimate interests of all its participants. The cost of notary services is quite acceptable and incomparable with the price of an apartment.
Грамотная организация поиска оптимального объекта недвижимости и дополнительные меры по снижению расходов позволят покупателю жилья получить существенную экономию при приобретении квартиры или дома.