How to look attractive or terms of purchase property on credit, buyers must not forget that they are dealing with business people who will never be doing what they are unprofitable. Real estate developers gifts handed to us very often, but a period of special events where you can make a good purchase - is limited.
Installments and discounts - not a new mechanism for primary real estate market. Particularly active developers began to apply it in times of crisis, when the transactions were few. "We use the installment payment mechanisms to increase sales and the attractiveness of the property", - says the magazine Metrinfo.ru Sophia Starkov, CEO of Real Estate Agents "Leader".
As explained by the expert, the installment greatly increases the interest in the object, when sales begin on the "low" stage of readiness. And when the builder - a small amount of unsold apartments, and they are in demand, then, and there is no need to hire. "The most advantageous terms granted by installments at the beginning of the implementation of the object" - confirms Olga Guseva, head of marketing management company Domostroitel. And the closer the deadline at home, so become less attractive sales terms and conditions under this scheme.
According to Sergei Lushkina, Director of Sales and Marketing LLC Quarter Estate `, in practice installments are actively using the company that is building multiple buildings. "For Sale by installments to predict revenue and evenly distribute the cost of construction", - explains Lushkin.
Installment attractive to buyers. Given a fantastically high prices, few of them has the required amount to buy an apartment soon. Many need time to raise money, and installment allows you to distribute costs. Jan Sosoreva, head of new construction company NDV-estate "refers to a number of advantages to the installment lending: the buyer does not require the approval of the bank, so no need to collect a lot of inquiries about his income. Yes, and interest on installment is considerably lower than the mortgage. At a certain period of installment can be completely interest free.
However, in installments, there are downsides. "Typically, it involves more expensive apartments, and the more complete the term of payment - the higher the ultimate cost of housing" - warns Sergei Lushkin (Quarter Estate ").
But the discounts - those really and allow the buyer to purchase an apartment at a lower price. Announcing that a square meter is cheaper by 10%, the developer will sell it not for 100 thousand rubles. And over 90 thousand rubles.
As explained to us Sophie Starkova (AN "Leader") for the builder discounts - still a necessary measure. This may be a cheaper cost per square meter in the shares, or a bonus when buying an apartment, depending on the number of rooms.
Share of skepticism adds Sergey Lushkin (Quarter Estate "). The expert believes that today the real discount - a rarity. Typically, the discount is granted in advance of price increases and is psychological rather than economic in nature. Moreover, they "give" only when full payment. "The actual discount was only at the peak of the crisis, when some companies are in desperate need of funds to continue construction and other obligations", - explains Lushkin.Ne looking for in the actions of the seller of charity. It there can be no
Without a doubt - buyers and sellers solve different problems. The buyer hopes that he could buy living space is cheaper, and sellers on the contrary - try not to lose their benefits.
The mechanism devised installment sellers, so a priori it is not focused on charity. Exception - short-term interest-free installments for the contract in rubles. Sophia Starkova (AN Leader) spoke about the action mechanism of maturity interest-free installments for example, a one-room apartment in md. "Balashikha City. Buyer was asked to sign a contract in the amount of 2,4 million rubles., Which corresponded to the total value of the apartment. The first payment of 720 thousand rubles. And the rest of the amount the person received a five-month installments. Buyer shall each month on a fixed schedule in equal shares by 336 thousand rubles. repay the remaining amount under the terms of the transaction. There is no overpayment in this case, the buyer was not.
Another example of installment led Olga Guseva (Domostroitel). Two-bedroom apartment in the building № 3 FA South-West "in the city of Moscow, an area of 94.1 square meters was sold at a price of 5,870,779 rubles. in installments with unequal payments for 6 months at the rate of 1,5% per month for the remainder. Initial Payment - 1699 185.1 rubles. Balance - 3964 RUR 765.2. the buyer must pay, with interest already. The second payment was, therefore, the amount of 2,000,000 rubles. + 59 471.5 rubles. (Percentage of the remainder). The third and final payment was equal to the sum of 1,964 rubles 765.3. + 147 357.4 rubles. (Percentage of the remainder). Thus, "surcharge" for the apartment, which was due to pay interest cost to the buyer 206 828.9 rubles. (59 471.5 USD. 357.4 and 147 rubles)..
But prices in rubles appear not at all sites. For example, the dollar prices listed on the site of the Quarter. In this case, the developer warns that "the payment is made in rubles at the official exchange rate of the ruble against the U.S. dollar, the Bank of Russia on the day of payment. And as the installment payment means different payment terms, then the amount subject to a floating rate, the logic will be different.
With a similar problem faced one of the shoppers buildings in Moscow. The builder put the price in dollars, and the calculations led, as expected, in rubles. Dollar exchange rate was volatile. Therefore, we conclude that if the girl has made all the payments immediately, the apartment would have cost her a $ 97 thousand, however, with "interest free" installment as a result of recalculations cunning developer and game advertising in exchange rates, the apartment would cost the shopper a $ 20 thousand more!
When it comes to longer-term installment plan, or the buyer tends to reduce the initial payment, the conditions do not change in his favor. For example, in installments of up to 12 months, with the first installment of at least 70% of the cost, installment in the LCD "Balashikha City"-free. If the buyer can pay only 50% of the total amount charged 1% for the remainder of the debt, and when, the sum is equal to 30% - by 1.5% in the remainder of the debt, says Sophia Starkov.
Before you sign a contract providing for installments, the buyer should carefully check how much it would cost him. As for discounts, it`s a nice gift, except when the discount is sold stale, non-liquid goods.