According to the expert, there are two main goals for buying an apartment.
The first is real estate as an investment, that is, you do not plan to move into housing yourself, but there is a task in the short or medium term to make money on its sale.
The second, as the analyst of the financial marketplace "Compare" added, is real estate for life.
In the first case, as Glazkov emphasized, it is worth delaying the mortgage.
“Due to sanctions risks and falling real incomes, the value of real estate may gradually decline for a long time.
Therefore, there is a possibility that investments in an apartment will not bring profit within a year, ”he warned.
Another problem is the increased risk in the case of investment in a new building.
He recalled that developers were exempted from fines until the end of the year in case of a delay in the delivery of housing.
This deprives buyers of leverage on an unscrupulous contractor.
“At the same time, buying real estate for personal residence in a mortgage is a justified investment.
Today, there are many benefits from the state that will help the family to profitably purchase housing, ”added Glazkov.
In addition, the expert advised to calculate additional costs, such as mortgage insurance.
“Do not rush to buy insurance at a bank that issues a loan.
Compare the cost of the policy with different insurers that are accredited by the bank.
Assess the credibility of your employer.
If you have doubts about the stability of income, it is better to postpone the purchase of housing, ”the specialist recommended.
Carefully study the documents confirming the ownership of the apartment - cases of fraud have become more frequent in recent years, Glazkov said.
“This is, for example, a contract of sale in the event of a purchase, a certificate of the right to inheritance, an agreement on the transfer of ownership during privatization.
To find out if the apartment has other owners, request a certificate from the Unified State Register of Real Estate (EGRN),” he stressed.
If you are buying a primary mortgage on a mortgage, you must also check the developer.
“Study the websites of the FSSP, the arbitration court, in order to eliminate the risk of a deal with an unscrupulous developer.
Also, set aside money in case the house is sold late.
In this case, you will have to look for temporary housing, for example, to extend the contract for renting an apartment, ”concluded the interlocutor of RT.
Earlier, honored lawyer Solovyov named ways to speed up the repayment of a mortgage.