Is it worth buying an apartment now? Is it worth buying an apartment in Ukraine now or in the Crimea?

Is it worth buying an apartment now ? Of course, this issue will always be relevant, since for a person owning a residential area is an indispensable condition for a happy family life.

The question of whether it is worth buying an apartment now is of fundamental importance for those who consider real estate as a profitable investment. One way or another, but it is impossible to answer it unequivocally, because today there are both pluses and minuses of such a deal.

The pace of construction is declining, and demand is rising

It should be emphasized that in general, apartments in our country over the past year have fallen in price. And it is at this time that we should buy housing, which, according to experts, will eventually grow in value in some time. In other words, the question: "Is it worth buying housing now?", It is necessary to give a positive answer. Why?

The thing is that over the past 12 months the volume of planned construction has decreased by one third, which will increase the demand for square meters.

The devaluation of the national currency is a positive factor for the purchase of housing

It's no secret that those who saved their savings in US currency were in a favorable position. For them, the question of whether it is worth buying housing now is clear as a "day of God". Everyone knows that housing prices are tied to the ruble, and the national currency is regularly cheaper against the dollar. Naturally, if a couple of years ago, the accumulated "green" purchase of an apartment was quite a difficult task, but today it has become much simpler. And experts say that in the future, the dollar is not going to get cheaper.

Does it make sense to buy property in major cities

It should be noted that it is now profitable to purchase housing in the metropolitan metropolis or near Moscow.

In particular, the territory of the "new Moscow" is expanding rapidly, the population growth is increasing, which means that the demand for apartments in these areas is not far off. Having bought one-and two-bedroom apartments in Moscow suburbs, you can sell them in a few years with profit.

Investments in real estate

On the acquisition of housing should now think and those who have free capital, and who does not know where it can be invested. Ruble deposits today will not bring significant profits, but the money invested in real estate is unlikely to be depreciated. Residential apartments with developed infrastructure can always be quickly sold, well, or rented out - which will also bring a good profit.

Is it profitable today for mortgage lending

Of course, many are concerned about the question of whether it is worth buying an apartment in a mortgage now.

For the sake of justice, it should be noted that a significant part of the banking sector has now begun to "wind down" mortgage lending programs. And earlier interest rates on them increased, since the Russian Central Bank raised the discount rate.

In particular, Sberbank for a certain period of time stopped issuing mortgages on the security of an apartment and car.

Considering the question of what will happen to loans for apartments, one should focus on the following: "What will be the demand for them?" Some experts believe that taking into account the current situation, interest rates in rubles can reach the level of 20%. Naturally, in such a situation, those wishing to formalize a long-term loan will find little. On such enslaving conditions, those who urgently need to improve their living conditions can go . However, they will also try to borrow as soon as possible. All this will lead to a decrease in demand for housing. What does this mean? Only that the apartments will become cheaper.

At the same time, another part of analysts says that the ruble rate will fall along with the cheapening of oil, which will eventually provoke a "freeze" of the housing market. Thus, there will be fewer proposals, but prices in rubles will hold.

Take a mortgage or not take it? If housing prices fall, then you can still take a chance. However, if they remain fixed for some time, the mortgage lending market will not develop. Anyway, but experts do not recommend this year to enter into a loan agreement for the purchase of housing, because of the existence of serious financial risks. In any case, there is a high probability of tightening the terms of the loan for the purchase of real estate by the bank.

Do I need investments in new buildings?

The actual question is whether it is worth buying an apartment in a new building. According to most analysts, prices for new buildings in rubles will go up. Part of this is due to the fact that many developers and sellers are accustomed to establish the value of real estate in American and European currency. In addition, the price increase is provoked by the imitation of building materials and other services provided by developers. In other words, the cost of goods increases, and construction companies do not want to incur losses. Thus, the cost of new buildings commissioned to date is comparable to the prices at which objects belonging to the category of secondary housing are being sold.

The rise in prices for apartments in the new house has also provoked an increase in the discount rate for mortgages, which the Central Bank has established.

Nevertheless, demand for new buildings has decreased insignificantly. Many acquire a "primary" because it is still cheaper than a category "second-hand" housing. Registration of the transaction for a new building is more simplistic than on the secondary real estate market . In addition, tenants can independently choose the layout of apartments, which is also an advantage of buying an object of the category of "primary" real estate market.

So, is it worth buying an apartment in a new building in 2015? If you have available funds that you want to invest profitable, then, of course, yes. However, one should make an important reservation here: you only need to deal with a reliable developer or a construction company that can provide serious bank guarantees.

Does it make sense today to invest money in the pit

In this regard, I would like to warn those who are interested in the question: "Is it worth buying an apartment in a newly built house"? Here there are huge risks that the financial potential of the construction company will not allow the completion of the construction of the residential facility. In any case, you must take certain precautions: check the concluded contract with the developer for its compliance with the law regulating shared construction. Also, do not forget that this document must pass the registration procedure in state structures. In addition, make sure that the reputation of the builder is credible.

This can be done with the help of various information resources, viewing and analyzing the reviews of those people who used the services of the developer. And, of course, ask the construction company for a copy of the permits for the construction of a property.

Prospects for buying a home in the Crimea

Today many Russians show considerable interest in the question of whether it is worth buying an apartment in the Crimea now. It would seem that after the peninsula became "Russian," the prospects for acquiring housing are the most rosy. The resort area after all. However, do not forget that in the Crimean real estate market today, serious investments from the state are needed. First of all, it is necessary to update the infrastructure of the region qualitatively, which will make it cheaper to supply construction materials - only in this case prices for residential apartments in the Crimea will be acceptable. At present, the demand for housing in the secondary market category is fixed on the peninsula. Special interest to it is shown by Russian businessmen who are planning to open a hotel business. Representatives of medium-sized businesses are also looking at Crimean apartments.

The state of affairs in Ukraine

Of course, there are not many Russians who would be worried about the question of whether to buy an apartment in Ukraine now. But there are also such. So...

It's not the first month that we have to admit that the real estate market in this country is going through not the best of times. Sales volumes fell to a minimum, the tense situation and the crisis in the economy adversely affect its development.

It should be noted that experts warn of buying housing in Ukrainian new buildings, as local developers are engaged in their erection, as they say, from the last forces. As for the objects of the secondary housing market category, today many Kyivites are trying to sell apartments at low prices, as the "lull" in the market will dominate for a long time. The leading positions in terms of sales today are the Kiev, Dnepropetrovsk, Kharkov, Odessa regions.

Some are interested in the question: "Is it worth buying an apartment in Kharkov now?" It should be noted that the demand for apartments in this Ukrainian city has decreased almost threefold. At present, up to three hundred objects are sold and purchased per month. According to analysts, apartments are bought primarily by those who have savings in foreign currency. Thus, they provide themselves with the opportunity to earn on the rental of housing.