Is it worth buying real estate in the Crimea in a mortgage now?

Is it worth buying real estate now? Surely this question worries 99% of Russians who are forced to rent housing. However, the purchase of an apartment or a house has always been considered one of the best ways of profitable investment of capital.

Choice of strategy

The question of whether it is worth buying real estate now becomes doubly relevant because the US currency regularly rises in price, and the Russian ruble can not come to stability. It would seem that everything is simple: the best way to save your blood from inflation is to buy housing. Most of our compatriots are convinced that the prices for apartments in the future will only increase. However, when deciding the question: "Is it worth buying real estate now?" - it is necessary to consider the following factor. Today you can not be sure of the stability of the dollar, the ruble and the cost per square meter.

Experts point out that today one should not make rash acts in the desire to extract maximum benefit for themselves. Buyers should remember the following: do not expect that because of the crisis, real estate will fall in price. And the owners of apartments and contractors need to take into account that there is no sense to wait for a while until housing rises in price.

Primary real estate market is gradually developing

Is it worth buying real estate now? Of course, yes, if it comes to new buildings. At the present time, demand has become more active in this segment of the market, it is worth investing in it. A significant part of developers have not changed ruble prices since last year - this is a weighty argument in favor of buying an apartment in a newly built house. At the same time, it should not be too slow with the adoption of a positive decision, because after a while the construction companies will raise prices for new buildings due to the rise in price of materials, engineering systems and energy carriers, an increase in interest rates on the loan.

Is it profitable today for a mortgage?

A huge number of Russians are worried about the question whether it is worth buying real estate for mortgages (2015) now?

Unequivocally this question can not be answered. On the one hand, bank interest on the loan increased, on the other hand, a program of state participation in subsidizing mortgage lending programs was launched. If we talk about the mortgage on new buildings, then the objects of the primary real estate market are sold at a rate of 11-12%. Among other things, some developers offer, under certain conditions, to reduce the amount of the contract at a subsidized rate, which further reduces the cost of housing. Thus, in this context, the question of whether it is worth buying real estate for mortgages now has a unique solution. The buyer remains in the win: he saves on discounts, he is allowed to book a house for a long time, he gets a installment payment.

In any case, the obvious is the answer to the question of whether it is worth buying real estate for a mortgage now. January 2015 already demonstrated a positive trend in the above segment of the market: bank rates from 20% fell to 16% (new buildings - 14.9%).

Prices will experience pressure

In the secondary real estate market there was a peculiar situation. Despite the fact that a significant part of the potential sellers decided to postpone the sale, a certain choice still remained.

Anyway, but to buy an apartment for a used category makes sense for the simple reason that today the buyer has the right to dictate terms to sellers, which means - there is a huge probability of buying apartments at a lower price. The owner of the housing, in turn, is forced to make concessions, because he is not sure whether there will be an increase in the value of real estate after a few months. In the category of objects of economy class discounts can reach 150 thousand rubles.

The real estate market of Crimea

Today, a huge number of Russians are considering the prospect of housing in Yalta, Kerch and Sevastopol. Excellent climatic conditions, picturesque nature, fertile soil - all this pushes investors to develop business in this particular geographical area, which has recently passed under the jurisdiction of Russia.

Of course, today one of the most pressing is the question of whether it is worth buying real estate in the Crimea now. Let's consider it in more detail.

Prices are rising

The coastline of the Crimea has clear boundaries, and therefore, there will not be enough places for everyone.

However, if we take into account the density of development of the coastal territory, then there will also be time to take a comfortable place under the sun. In general, there is still plenty of free territory, but this does not mean that investors should hesitate to make deals: prices for Crimean land are gradually growing. As for the most promising areas (the southern coast of the Crimea), they are already 99% busy.

Is it profitable to buy Crimean property now?

Of course, the question of whether it is worth buying real estate in the Crimea, should be viewed from different angles. Many are deterred by confusion in the legal framework of the republic, the register of real estate transactions should be brought into line with Russian law, which requires a certain amount of time. The infrastructure of the peninsula also leaves much to be desired: many objects have not been repaired since Soviet times. And, of course, for the development of the economy, it is necessary to build a bridge across the Kerch Strait. Nevertheless, the question of whether it is worth buying real estate in the Crimea after the republic's accession to our country, you can give an affirmative answer.

If you use a competent approach to investing, you can not only benefit from buying a house in Yalta, but also sell it after a while. If your apartment is a few hundred meters from the sea, then the profit from the sale can be triple, because the demand for such objects is incredibly high.

Buy housing in the Crimea should also because it can be leased immediately after the transaction. Dachas, houses, cottages in Crimean villages are used by tenants for housing, high demand, so this business can bring quite a good income for the season. Of course, one should not count on superprofits, since the level of service still leaves much to be desired. However, over time, the situation in this sense will straighten out.

Imperfection of the legislative framework

Considering the question of whether it is worth buying real estate in the Crimea after joining the peninsula to Russia, it should be said about the existence of a vacuum in the legislation that has accumulated due to the transition from one legal field to another.

The real possibility to register real estate transactions in the Crimea is currently missing, but this factor did not reduce the demand of Russians for resort facilities. In such conditions, the prices for the Crimean apartments crawled up.

Be careful, scammers!

It should be noted that the confusion in the normative and legal sphere of the Crimea was taken advantage of by local scammers. Russians who, when registering real estate transactions, receive a deposit, become victims of scammers who pretend to be proprietors of apartments and houses, but in reality they are not. The fact is that today access to the registry is limited, so it is quite difficult to determine who is legally the owner of the apartment. It is almost impossible to find out whether any encumbrances are imposed on immovable property.

In such a shaky legal field the Crimean coast looks like a risky object in terms of investment attractiveness, and scammers, of course, use it. Very often impure dealers forge forged documents for residential real estate.

According to the media, at first the registries were turned off in abnormal mode, which enabled the scammers to collect the necessary information about the original documents and subsequently make their copies.

Recommendations for those who decided to invest money in real estate in Crimea

If you decided to invest your savings in Crimean real estate, then follow the recommendations below.

1. Wait for the start of real estate sales: in conditions when the money for the apartment will be transferred after the securities have been registered on the transfer of ownership (in the registration authority). Otherwise, you can not see not only the apartment or house, but also your own money. Remember: scammers do not doze!

2. When calculating the potential benefit from investing in Crimean real estate, do not forget to analyze the outlook for the development of a negative scenario for the deterioration of relations with Ukraine. On the other hand, you should not panic, since the presence of the Russian army on the peninsula is already a security guarantee.

3. Analyzing the dynamics of rising prices for the peninsula's real estate and the prospect of business development in this segment of the market, do not forget to follow the implementation of the bridge construction through the Kerch Strait from time to time. Only road and rail types of communications will make the peninsula an economically prosperous region. In particular, the bridge across the island of Tuzla, which involves the division of Kerch into two parts, is considered promising from the point of view of investments.

4. When developing a business plan for investing capital in Crimean real estate, one should not rely on the opinion of local experts in everything. They do not know all the nuances and subtleties of the Russian legal system, so in the search for lawyers, realtors, designers should use a selective approach.