The expert gave tips on savings for buying an apartment

Buying their own home is a serious financial goal for Russians, which first of all requires a well—thought-out strategy. It's difficult to save up for an apartment today, but it's possible if you approach it systematically. Islam Akhmedshin, the founder of the LOVISASK service, told Izvestia on May 9 how to start saving correctly.

"Start by determining the cost of an apartment in the desired area and divide the amount into monthly payments. If we consider moving to a place with more affordable real estate, the accumulation time may be reduced by two to three times," the specialist noted.

According to him, automation of financial processes plays a key role. For example, you should open a savings account and set up an automatic transfer of 10-15% of your salary immediately after receiving it — this will help maintain discipline better than any promises.

You can't plan to buy: what did the first quarter of 2025 show on the real estate market in Moscow?

Developers are reducing the pace of delivery of new facilities

In addition, the specialist recommended using additional tools, such as cashback services, which can return up to 10% of daily expenses. It is also worth considering the possibility of eliminating unnecessary subscriptions and choosing more favorable tariffs, which will save money.

He noted that storing money in a bank deposit is a reliable, but not the most profitable option. As an alternative, investments in shared-equity construction, stocks, cryptocurrencies, or crowdfunding platforms can be considered. However, it should be remembered that high returns always involve high risks.

The expert also called for paying attention to preferential programs, since many Russians are not aware of profitable offers, such as preferential mortgages for IT specialists or family mortgages.

"The key to success lies in the balance of discipline and flexibility. By combining automatic savings, investments and reasonable savings, you will bring the purchase of an apartment closer faster than it seems," Akhmedshin summed up.

The information in the material is not an investment recommendation.

Earlier, on April 18, Izvestia got acquainted with a study by Aeon Development, which reported on the savings of Russians to buy an apartment. According to experts, almost half of residents of large cities in Russia save up to 100,000 rubles a month to buy an apartment. At the same time, more than a third of respondents noted that every month they accumulate more than 200 thousand rubles for the purchase of housing.