The realtor gave advice on the most profitable home purchase in 2026

Apartments built in 2016-2021 can be the best option for both living and investment. Realtor Yulia Zobnina told Izvestia about this on March 27, explaining the advantages of such facilities in comparison with new buildings and the secondary market.

According to the expert, apartments that have been owned for more than five years are of particular interest, since in this case sellers can sell them at full cost without tax burden.

An additional advantage of such apartments is their readiness to move in. In most cases, they have already been renovated, and the infrastructure around them is fully formed: schools, kindergartens and shops are located nearby, which makes living more comfortable.

"If housing is needed "here and now", the secondary market clearly wins: you don't have to wait for delivery. Resale is usually cheaper than new buildings, but it carries the risks of hidden deterioration of communications or problems with documents, for example, due to the possibility of challenging a previous real estate transaction," the expert explained.

The attraction of the earth: mortgages on country houses have doubled

Why do people move from megacities and how does this affect the cost of housing

At the same time, new buildings can be more profitable when using government programs, including preferential mortgages. At the same time, the specialist recommends choosing facilities at the final stage of construction in order to reduce waiting times.

From the point of view of investments, both new buildings with the potential for growth after completion and relatively new secondary buildings are attractive. At the same time, the dynamics of the cost depends on many factors, including the location and characteristics of the apartment.

"Even in the same house, the price dynamics can vary greatly. For example, apartments with views of a park or a square are rising in price faster, but those with windows facing a garbage dump or a road are not," Zobnina stressed.

Thus, apartments built in 2016-2021 represent a compromise option combining the advantages of secondary housing and new buildings. With the right choice of object and location, such a purchase can be a profitable solution for both living and investment, concluded Zobnina.

Alexander Aksenenko, Deputy Chairman of the State Duma Committee on Construction and Housing and Communal Services, said on March 9 that a family mortgage for the purchase of apartments on the secondary market could begin operating as early as 2026. According to him, the expansion of mortgage programs and the improvement of conditions for the purchase of housing can potentially contribute to an increase in the birth rate if real estate becomes more affordable for families.

All important news is on the Izvestia channel in the MAX messenger.