How to save money
By June 1, the Russian authorities must develop a plan to include the purchase of doors and built-in furniture in preferential mortgages for new buildings. True, only domestic production. Such an order was given by Vladimir Putin. Additional spending, of course, will affect the down payment and monthly payments. But compared to the total payments, according to officials, they will amount to a little, 3-7 percent.
According to Metrium, thanks to bulk purchases and cooperation with manufacturers, developers will reduce the price of a headset by 25-30 %. Another thing — which manufacturers will choose the developers? Would they like to save on furniture?
“A medium-sized wardrobe in one room costs about 70 thousand rubles,” says Mikhail, manager of a furniture manufacturing company. — If you want it to be decent — with wooden, not plastic panels, with large mirrors, with convenient placement of shelves — count on at least a hundred thousand.
Mikhail warns: manufacturers can declare an initial price of 30-35 thousand rubles, that is, even in a three-room apartment, it seems like you can meet one hundred thousand. But then it usually turns out that for this money you are offered a small cabinet depth, 30-35 centimeters, the height is not up to the ceiling, but, for example, two meters. And most importantly — the quality of the hinges, the cheapness of which you will feel in the very first days of operation. Doors will simply stop working normally, they will fly off the rails.
A high-quality built-in kitchen with appliances also costs at least 200 thousand rubles, especially for a new building with a large area. The range of prices for doors of decent quality, entrance and interior — 80-200 thousand rubles. In general, if you sum up the costs, it turns out not that much, but not so little: from half a million rubles for an economy class apartment. However, what will happen in practice, whether manufacturers of built-in wardrobes, doors and kitchens will speculate, we will find out only in the summer.
The next initiative is proposed by the deputies of the State Duma. They believe that it is necessary to support not only IT specialists, but also employees of the military-industrial complex. «Enterprises of this profile work in several shifts. However, it is not easy to fully satisfy the needs of the army due to a lack of specialists. They can be attracted by benefits, including mortgages at 5% per annum,» comments Dmitry Veselkov, director of the company's mortgage programs and bank lending department.
Deputies oppose this proposal to the plans of the Ministry of Finance to introduce affordable housing loans for officials, Dmitry Veselkov continues: «The last idea looks unreasonable, because civil servants do not belong to vulnerable groups of Russians.»
Recall that officials are working on an initiative to reduce the rate on family mortgages when buying large apartments. If you are ready to invest a lot of money in new housing (with an area of a hundred «squares»), the state may lower the rate to 4 percent per annum.
Another innovation was adopted by the cabinet in March. We are talking about concessions for mobilized and participants in a special military operation who took advantage of the state mortgage. They received a deferment to register the rights to build or purchase a private house until the end of their service in the war zone. The military, who bought housing with the help of a Far Eastern mortgage, will be able to register at a new address later than expected (within 270 days).
It remains to be added that since January 1, the preferential mortgage rate has increased from 7 to 8 percent; every Russian can take advantage of the state support program only once in a lifetime. And, finally, «near-zero» rates have sunk into oblivion. Now the minimum is from 3%. per annum Such changes «broke through» the Central Bank, insisting on the danger of low, by Russian standards, rates. The regulator's next step is to increase the down payment to 20%.