The paradox of today’s real estate is that even if it does not grow much in price, it is still profitable to buy it due to high inflation. Why this happens and how can you get income from an apartment in a new building, we will analyze in this article.
Content:
- The main advantages of buying real estate in new buildings
- Quality guarantee in construction
- Modern materials and high energy efficiency
- Convenient layout
- The opportunity to think over the repair for your needs
- High liquidity in the market
- Low rent
- Infrastructure
- Safety
- Why is it profitable to invest in a new building?
- New buildings are slowly but steadily growing in price
- It is convenient to rent
- Tax benefits and cheap mortgages for the purchase of real estate
- Promotions and installments for the construction period
- How elite repairs affects profit from investing in real estate
The main advantages of buying real estate in new buildings
First of all, we will consider why new buildings, unlike the old housing stock, are popular in the real estate market among investors and ordinary buyers.
Quality guarantee in construction
Modern houses are built in compliance with all norms, and the work is checked at each stage of construction. It is more profitable for the developer to rent high -quality apartments than to sue with dissatisfied owners. Of course, new buildings are found, where the construction level leaves much to be desired. But this, as a rule, applies to economy options with a strongly low price price tag. Apartments of the Comfort class and above are built according to strict standards.
Photo: new buildings from the middle and expensive segment usually have no complaints about the quality of construction
Modern materials and high energy efficiency
It is believed that before apartment buildings were warm, and they built them better. In fact, this is a delusion. Many Soviet houses have uneven walls, and this applies even to external ones. There were also often curved ceilings and floor. Over time, cracks appear in such houses, from which you will not get rid of. It is also difficult to call the old housing fund to warm. In such apartments, it was warm only because they were strongly drowned and they had low ceilings.
Photo: Old housing stock
Now all new buildings have an increased energy efficiency class. There is little energy to heat such apartments, and they remain warm even in the most severe frost. Some apartments have individual heating, which makes a new building independent of the boiler room.
Modern apartment buildings are built by a frame-monolithic way. Such a house can withstand even an earthquake, so you can not worry that the walls will crack even after 50 years.
Photo: Frame-monolithic houses Strong and warm
Convenient layout
In modern new buildings, a convenient and compact layout. Such apartments have high ceilings, large windows, loggias, spacious kitchen-living room, and rooms for dressing areas.
Photo: layout in a modern apartment provides for convenient auxiliary rooms
If the layout does not suit, then some rooms can be redone, and this will not harm the construction of the house. In this case, the main thing is not to touch the supporting walls.
The opportunity to think over the repair for your needs
In a new building, you can buy an apartment without finishing or with pre -trim and make repairs completely for yourself. To think about sockets, warm floors, equipment, niches, doorways, light and much more. At the design stage, even the most daring ideas can be realized. In secondary housing, repairs will have to start for yourself with the dismantling of the old finish, and this is extra time and costs.
Photo: In a new building, even the most daring ideas can be realized
High liquidity in the market
Modern new buildings try to make bright ones, they have an attractive look and thoughtful infrastructure. Because of this, the demand for such apartments is always higher than for real estate in the old housing stock.
Photo: new buildings have attractive architecture
Low rent
New buildings economically consume energy. Therefore, the rent in new buildings is noticeably lower than in the old housing stock. It is comfortable to contain such an apartment as a financial asset and it does not damage the family budget.
Infrastructure
In new buildings, they try to make it comfortable not only the apartments themselves, but also the entrances, stairwells and courtyards. In the new LCD there is its own fenced area, places of rest, children’s and sports grounds, parking and much more. New buildings of the Comfort+class can have their own schools, kindergartens and clinics.
Photo: In a new building, vacation places on the roof can be provided
Safety
Apartments in new buildings have closed courtyards, video surveillance, protection and concierge. Therefore, new buildings are safer for life than the old housing stock.
Photo: closed yards without parking spaces with video surveillance
Why is it profitable to invest in a new building?
On the financial side of the investment in the new building are still a profitable and reliable asset. The apartment can be bought at the stage of the pit, and then sell it when they finish the new building, or make repairs and rent. Preferential mortgages that allow you to invest in housing, even if there is no total amount for purchase, apply to new apartments.
New buildings are slowly but steadily growing in price
On average, if you take apartments in Moscow, real estate in a new building at the construction stage costs 15-30% less than when the same house is completed and commissioned. This is not such a big difference as in 2015–2020, but still allows you to profitably invest and make a profit from the purchase and subsequent sale of the apartment.
For example, on average in Moscow, a square meter of housing in September cost 375 thousand rubles. In February, the price has already risen to 398 thousand rubles per m². In total, for six months, M² rose by 23,000 rubles or 6.1%. Such a rise in price occurs in all new buildings.
Real estate investments are a good financial pillow that will constantly grow. In the coming years, the prospects of reducing housing, according to experts, are not observed. The population of cities is constantly growing, more specialists with high salaries appear and this creates a certain demand for housing.
It is convenient to rent
Another investment option is to buy an apartment for rent. The apartment can be rented out both for the daily and for a long time. If we take Moscow, then the average cost of renting a one -room apartment starts from 40 thousand rubles per month.
If you take drug rent, there is a price tag of at least 3,000 rubles per day. In total, about 500 thousand rubles per year can be obtained for long -term rental, and about several million on the daily. The income is very attractive, taking into account the fact that the apartment itself is also getting more expensive every year.
Tax benefits and cheap mortgages for the purchase of real estate
Thanks to state programs, an apartment in a new building can be bought in a mortgage. There are a number of mortgage programs with low interest rates: IT mortgages, family, military and mortgage with state support. The maximum interest rate on loans is 8% per annum. In this case, for investing in the apartment it will be necessary to pay only 30% of the amount, and the rest of the money is borrowed from the bank. Given the continuous rise in the cost of real estate and everything else, even buying on credit becomes a profitable investment.
Also, from the purchase of an apartment in a new building, you can return a tax deduction in the amount of 260 thousand rubles. If the apartment is issued for spouses, then 520 thousand rubles are returned – these are the maximum values that can be obtained if the owner/owners work at official work or engage in business and pay income tax. If the apartment was bought in a mortgage, you can get a tax deduction from paid interest on the loan. Then you can additionally return up to 390 thousand rubles.
Promotions and installments for the construction period
Many developers, in order to stimulate demand and quickly sell apartments, offer their customers installments and profitable promotions. For example, along with an apartment, a parking spaces or a pantry can go as a gift. Another companies offer interest -free installments for the construction period. Such conditions make real estate investments even more profitable.
The catalog of promotions and discounts on new buildings can be viewed at Yandex.Theas or on the sites of developers.
Photo: Sometimes when buying an apartment, you can get a parking spaces as a gift
How elite repairs affects profit from investing in real estate
You can invest not only in the apartment itself, but also in expensive repairs. The benefit is that high -quality decoration can last decades, and it will not lose in quality. Interior styles, such as minimalism, classics and neoclassic, are still in fashion and attract attention.
Photo: some styles are always in fashion
This trend will last a long time. Materials and services also get expensive over time. For example, three years ago it was possible to make a good repair in an apartment with an area of 100 square meters with expensive furniture and finishing for 10-12 million rubles. Now this is impossible, because building materials have risen in price, the cost of the work of specialists has increased.
Photo: High -quality decoration can last decades
New buildings with luxurious repairs look more spectacular against the background of nondescript apartments of the same type. Such an apartment can be sold above the market, because there are buyers who do not like to engage in repairs, but want to immediately buy a space with a finished interior. Therefore, investing in repair is also a profitable solution.
Conclusion
Investments in a new building are still a profitable solution. This is due to the fact that new houses look modern, have their own infrastructure and courtyards. This makes them attractive to life. The market has high demand for new buildings. If you buy an apartment at the stage of the pit, then by the end of construction it will rise in price by an average of 15-30%. The apartment can be resold or rented. Also, the apartment can be taken in a mortgage with a profitable interest rate and return the tax deduction from the purchase. It is also profitable to invest in expensive repairs. In a couple of years, materials and work will rise in price, and the repair will still be relevant and will not lose in quality.
