The expert named the main criterion for choosing housing in Russia.

In modern conditions, the choice between renting and buying housing requires an individual assessment and depends on the financial capabilities of the family and its long-term plans. The key factor is not the dream of having your own walls, but the real ability to service obligations. What is more profitable in Russia now — to rent or buy a house, a consultant on strategic and anti-crisis management, General Director of OOO Together, told Izvestia on November 28.ABOUT " Olesya Berezhnaya.

"The key parameter of the choice is the availability of a down payment. If there is one, it becomes possible to take advantage of government programs, for example, a family mortgage with a subsidized rate of 6%, which looks like an attractive option. But when considering a commercial mortgage, the situation changes dramatically. The average interest rates on the market can now reach 20-45% per annum, which is extremely high and unaffordable for many personal and family budgets. In this context, monthly mortgage payments can be an unbearable burden, and the question of its expediency disappears by itself," the expert explained.

According to her, in the current reality, the issue of "rent or buy" is transformed into the need to understand what level of financial burden the family is really able to withstand. Berezhnaya recommends drawing up a long-term financial plan for 5-10 years, taking into account the possible job change, rising rental costs, changing family composition and the need to develop professional skills to increase income. This approach allows you to determine how justified a mortgage is and whether it is worth trying to buy at the moment.

"If we consider the purchase of housing as an object for investment, then a reasonable question arises: will you be able, even after buying a property at a high interest rate, to sell it in a few years with a significant increase in value? If the apartment is highly liquid: it is located in an area with developed transport and public infrastructure, then the increase in its cost can compensate for a significant part of the overpayments on the mortgage," the expert noted.

In a situation where buying a home turns out to be financially unaffordable, a reasonable solution may be to choose a comfortable lease that allows you to make a down payment in parallel. This approach, according to Berezhnaya, makes the dream of owning your own home more realistic and manageable, and long—term planning is an achievable tool for family strategy.

An apartment in a bag: how unsold apartments will hit buyers' pockets

Builders call the problem "exaggerated"

On November 26, it was reported that two-bedroom apartments in high-budget new buildings in Moscow have become leaders in price growth over the past year (an increase of 28%). At the same time, the cost of one-room apartments has increased most noticeably in the mass segment of new buildings in the capital. Over the year, their average purchase budget increased by 25%, from 13 million to 16.3 million rubles. The studios showed almost comparable dynamics and increased the price by 24% — from 9.1 million to 11.2 million.

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