In this article we will tell you what apartments are, how they differ from ordinary apartments, as well as about the minuses and pluses of the purchase of apartments.
Content:
- Apartments and apartment. What is the difference?
- Apartments. How are they different from the apartment? Cons
- Do not give a mortgage with state support
- You can not get a tax deduction when buying real estate
- Dear communal apartment and taxes
- Apartments can take for debts
- Low construction standards
- Features of the layout
- Incomprehensible neighbors
- You can’t make a residence permit for apartments
- A dangerous infrastructure after settlement may appear near the apartment
- Pluses of apartments compared to the apartment
- Low cost
- No payments for major repairs
- Convenient location
- Good investment tool
Apartments and apartment. What is the difference?
Outwardly, apartments are no different from ordinary apartments. The layout, like the multi -storey building itself, is very similar to the usual LCD. Differences are only in the legal status of the premises. From the point of view of the law, apartments are not a dwelling, but a type of commercial real estate. The status of apartments can greatly affect the comfort of life in the future.
Unlike apartments, the apartment in the documents is designated as a dwelling.
Apartments. How are they different from the apartment? Cons
The apartments began to appear more and more in large cities. Developers lure potential buyers with a good location and a small price compared to apartments.
At the same time, the legal status of apartments is either silent or speaks casually. Managers present apartments as a profitable and successful investment, in which there are many advantages. However, the apartments also have disadvantages that are important to know if the owner is going to live there.
Do not give a mortgage with state support
The apartments do not give a mortgage with state support. It is available only when buying residential premises. The legal status of apartments begins to create difficulties at the purchase stage. Various programs with state support apply to apartments. According to them, the interest rate is much lower than on a regular loan or mortgage.
When buying apartments, it is impossible to use state support. Unlike apartments, maternal and regional maternity capital cannot be invested in apartments, as well as other certificates for the purchase of housing.
You can not get a tax deduction when buying real estate
If you buy an apartment, then you can return a tax deduction from the state in the amount of up to 260,000 rubles. If the family bought an apartment, then 520,000 rubles are returned.
This system does not work with apartments: the state does not return any money for their purchase, even if the owner officially works and pays taxes.
Dear communal apartment and taxes
The tax on apartments is almost 4 times higher than for the apartment. For example, if a tax of 2 thousand rubles for an apartment, then 6-8 thousand rubles will have to be given for apartments with the same area. In Moscow, there are apartment complexes in which the tax is not so large, but it is still higher than for the apartment.
Utility payments in the apartment are higher than in apartments, because light, gas and water are delivered to apartments, as for commercial use. These prices are not regulated by the state. It is also important to keep in mind that the benefits of a communal apartment and taxes do not apply to apartments, even if their owners experience family difficulties. Pensioners, military, large families and disabled people will not be able to receive support for subsidies to pay utility bills and taxes.
Apartments can take for debts
If a person has large debts on loans, microloans or other accounts, he can take apartments from his debt repayment, even if this is his only housing. In a similar situation, they cannot take the apartment in a similar situation. The person will be in debt, but will not lose the roof over his head.
Low construction standards
The developers of the apartments try to save as much as possible on materials and construction, and the supervisory authorities do not interfere with them: the room is non -residential, which means that you can make thin walls, save on thermal insulation, pipes and other attributes. During the construction of apartments, there are no strict requirements for the characteristics of materials, layouts, noise insulation and sanitary standards. A couple of meters from the windows of apartments, the developer has the right to build another building, and they will not be punished for it. The quality of the building mainly depends on the decency and conscience of the developer.
In the case of apartments, the developer is obliged to fulfill all construction standards, otherwise he will not be able to put the residential building into operation, and receive money for construction.
Features of the layout
There are often no balconies in apartments. The entrances can be designed in such a way that through them there will be a pass to office buildings and shopping centers.
There are no strict sanitary rules in the apartments. Owners of apartments do not have to observe the layout of rooms within clear boundaries. For example, a neighbor from above can make a bathroom and a toilet over your living room, and this will not be possible to interfere. We’ll have to live to the sounds of the toilet. Moreover, if the floor in the bathroom is not waterproofed from above, mold on the ceiling may appear from humidity.
Incomprehensible neighbors
In the apartments, the premises can be used at your discretion, including for business. Through the wall they can open a sound recording studio or train playing on drums. Also in the building with apartments on the ground floor they can open a bar, tattoo tattoo or dance studio. The situation also exacerbates the fact that the law of silence does not apply in the apartment. Neighbors can scream and listen to music even at night, and this will not be punishable by law.
There are strict rules in the apartments and the law of silence is in force, in which it is impossible to make noise after 23:00 until 07:00 in the morning. The police may come to violators and write out a fine. In the courtyards of residential buildings there can not be clubs, bars and other entertainment spaces that can interfere with residents.
You can’t make a residence permit for apartments
A registration can be designed only in a living room. In the apartments, you can get only temporary registration, which needs to be renewed at least once every 5 years. If the apartments are in the business center where there are offices and shops around, then registration may not be at all.
The registration gives the owner regional benefits that cannot be obtained with temporary registration.
A dangerous infrastructure after settlement may appear near the apartment
In residential buildings, where there are apartments, noisy and dangerous objects cannot be built. The state also ensures that the developer provides residents with the optimal number of shops, roads, clinics, kindergartens and schools. There are no such norms for apartments. Near the multi -storey building, a skyscraper can build or organize a fish shop. If there are no schools and kindergartens in the area of apartments, the state is not obliged to build them.
Pluses of apartments compared to the apartment
Low cost
The apartments differ from the apartment worth. In the same area, apartments can be several times cheaper than similar apartments.
No payments for major repairs
Unlike apartments, the apartments do not need to pay money for major repairs. Given the fact that apartments are made in new buildings, they may not need expensive repairs for another decades.
Convenient location
Unlike residential buildings, a building with apartments is easier to coordinate with the municipality. Therefore, apartments are sometimes built in good locations closer to the city center. Nearby there may be a plant or a transport interchange, but the location will still be successful.
Good investment tool
Since apartments are cheaper than an apartment, it is easier to accumulate. When the financial situation improves, you can move to the apartment, and rent apartments and receive additional money for it.
Conclusion
Having dismantled all the differences between the apartments from the apartment, we can conclude that apartments are more suitable for life for young non -dimensions who work a lot and spend little time at home.
They are suitable for those who often like to gather with large companies, especially in the evening, and do not want to have problems with neighbors or law because of this.
If a person does not have his own housing and they do not give a mortgage to buy an apartment, then in this case you can buy apartments. So it will be cheaper than renting housing and paying for rent. If a person has unnecessary funds and wants to invest them, then buying apartments will become a good alternative. Apartments can be leased, they always have a demand due to an attractive price.
The apartments are good for those who like to change housing often. They can be quickly bought, and when the city is getting tired, sell and move to another place.
Apartments can be suitable for creative people who want to make a redevelopment for themselves and not worry that this will somehow affect the lives of the neighbors. In this case, the owner can even organize a studio of the house, engaged in creativity without leaving his housing.
It is better to choose an apartment to family people who prefer to relax at home and do not plan to often change housing. If a person has subsidies, he has benefits and tax deductions. In this case, the apartment will be able to significantly save the budget, unlike apartments. The apartment should be bought if there are children. This gives more chances that there will be a kindergarten and a school in the area, and next to the residential complex, there will be no harmful industries and workshops that can ruin health. If a person needs constant registration in the city, then it is worth buying an apartment, in the apartment you can only make a temporary residence permit.
