The expert named the criteria for choosing a liquid apartment by the sea

When it comes to buying real estate by the sea, many first of all dream of a picturesque view from the window, but few people think about the prospects of housing. Elena Lozovaya, a real estate expert, founder of the international agency Meldigroup and managing director of Maestro Realty, told Izvestia about this on October 11.

"The first place to start is to understand why you are buying an object. Everything depends on it: the location, the type of housing, and even how much you are willing to spend on maintenance. Buying for investment, seasonal vacation, or permanent residence are three different scenarios, which means there are three different sets of criteria," the specialist noted.

In the first place, according to Lozova, is the location. If the purpose of the purchase is rental income, it is important that the area is touristically active, with beaches, cafes, shopping malls, and walking areas.

Filming process: prices for long-term rentals have dropped in Moscow and Krasnodar

This is due to the explosive growth in the number of offers on the market.

"The living environment guarantees the flow of tenants and the demand for resale. And if an object is bought for life, I look at something completely different. In this case, schools, hospitals, shops, and an environment where social connections can be built are important," the source explained.

The second criterion is the project infrastructure. The amount of monthly payments directly depends on the availability of a swimming pool, gym, parking and other amenities. The more services there are, the more expensive the content. Sometimes it's better to choose a simpler object, but with lower costs. If comfort is a priority, it's worth budgeting for it in advance.

It is equally important to check the management company and the developer, continued Lozovaya. It depends on this whether the object will retain its value over the years.

"A good management company is when everything works, from security to cleaning, and you're not looking for a plumber through chat rooms. I always look at who manages the project, how many facilities the company has, and whether there is a positive story. This is one of the main indicators of sustainability," she explained.

The next point is the condition of the property. Even the most expensive apartments lose their appeal without proper care. If the project is new, it is important how the developer rents out the houses, whether he meets the deadlines, how he performs the finishing. If it is secondary, you need to assess the wear, furniture, and condition of common areas. This has a direct impact on liquidity.

Special attention should be paid to the legal purity and form of ownership. There are different forms of ownership in different countries: freehold (full ownership), leasehold (long-term lease), purchase through a company. Each model has its own risks and tax consequences. You need to check all the documents: the land deed, building permits, the title for the entire project, and the absence of legal disputes. It is better to involve a lawyer who is familiar with local law.

The sixth criterion is the profitability potential and exit strategy. Any investment should have a clear perspective.: how long the object will be profitable and to whom it can be sold.

"I always calculate the average rental rate in the area, what the maintenance costs are and what the expected cost increase is. Even if you take a home for yourself, you need to understand how easily you can sell it if plans change," Lozovaya stressed.

Liquid real estate is not just square meters by the sea, but a financially sound asset that combines comfort, security and growth potential. An apartment by the sea can be a dream, or it can be a tool. The main thing is to initially understand what it is needed for, the expert summed up.

Experts from Domclick and Sberindex, analyzing the dynamics of mortgage transactions on September 15, concluded that the growth rate of housing prices in the current month continues to decline both in new buildings and in the secondary market.

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