Choose an apartment: practical advice

How to choose an apartment in which you will be comfortable to live. New building or secondary housing – what is better? How to decide on the floor. How to buy a mortgage apartment

Before buying housing, many begin to be nervous – and suddenly the new house will become not a cozy nest, but the source of endless problems and worries? Yes, and determine the choice on the new and secondary housing market is also not easy, everywhere has its own minuses and pros. We offer you useful tips, how to successfully choose an apartment for purchase and that will help to avoid disappointment after the new school. 

How do you choose an apartment in a new building? 

If you feel about those who dream of becoming a new home in a new house, feel a special spirit just built buildings and realize that you are the first tenant in this cute apartment, it means that you need practical knowledge about this kind of housing.

Let’s start with positive moments. The undoubted advantages of buying housing in the new building will be: 

• Monolithic-frame technology, which is erected by most of the recent buildings;
• the presence of a package, without any new project;
• the ability to choose a small apartment, which means to significantly save at cost;
• finishing repairs that suggests that you will not hug on surprises from past owners with «crazy handles»;
• New communications – pipes, wiring, etc., which does not need to be replaced;
• incomparable freshness of the room in which no one lived before you. 

However, there are also underwater stones, and above all the problem of shrinkage, which inevitably happens during the first 10 years after the construction, and the presence of bearing walls inside the apartment. Accordingly, in the first case, due to violations of the technology (with an ultra-speed building), the shrinkage will cause cracks and even distorts of walls, in the second – difficulties with possible redevelopment of the premises are provided to you.

Otherwise, the difficulty of choice is the same as in the secondary, what will be discussed below. 

How do you choose an apartment on the secondary? 

Let’s start with the fact that the purchase price most often plays a paramount role, even the convenience of the terrain and the level of comfort. With the real estate market all the time changes occur, some areas fall in price, others rise, for example, due to the laying of the new metro station, improving transportation and infrastructure (schools, kindergartens, clinics, shops, and so on). First of all decide for yourself than you are ready to sacrifice if you want to save.

Any real estate agent will explain to you that the price depends on several factors directly with the apartment is not related, namely: 

• convenient departure to the city center and other areas;
• location next to the subway;
• availability of trading points, services and markets;
• nearby parks and recreation areas;
• industrial and automotive, noise and atmospheric pollution. 

It is also important to understand that living in a lowland or on an elevation is a big difference, and no matter how attractive price, the house near the ravine or on the low embankment will be raw, especially on the lower floors. Suppose with the area, street and house you decided, but the apartment itself is good? There are several important items, how to choose an apartment.

First, make a bet on good sound insulation. For this wall, in no case should not be from a plaster block or a gasoblock, otherwise you will recognize the evening news on the TV neighbors.

Secondly, fans of the silence and peace of the extreme upper floors should make sure that the so-called technical floor will be above them, and not the roof plate, everlasting and redden in the sun.

Thirdly, it is worth choosing the directions of windows any other, except for the strict north and south, because the North will mean darkness and cold (to be heated and caught up with electricity), and the south – unbearable heat and aggressive sunlight, from which wallpaper and furniture and furniture are faded Digest plants on the windowsill.

The last advice, how to choose an apartment in the secondary housing sector, perhaps someone will seem strange, but many will understand. If you feel that the atmosphere is heavy, then most likely you will not be able to live happily in such a house. Throwing mysticism, we are objective – the spirit of past tenants really affects your comfortable feeling in a new home.

Feel free to find out who and how I lived in this place, there was no tragic or criminal past than previous tenants hurt. The latter, by the way, is not superfluous, because problems with health may arise from you if their reason is in toxic building materials, fungus or allergenas.

Finding out such details and satisfied with the answers, you can get acquainted with the documents for the living space and the final trade. 

How to choose an apartment in the mortgage 

When it comes to buying housing on credit, the most important question you should pose – whether it will be burnt for you and your family? After all, the difference between «live economical» and «the loan does not allow» Very sensible!

If you are young, going to build a career, get a family and children, and just do not intend to live to the detriment of yourself, then you need to approach the issue of loan very responsibly and soberly assess your capabilities and plans for the future.

This is especially true of servicemen, since since 2016, the Ministry of Defense will no longer give housing, and goes to the mortgage format of living space. Choosing an apartment in a military mortgage, it is important to understand that the bank has the right to pick up an apartment when a loan is not paid if the subject is exempt from military position, since the state no longer acts as a guarantor of loan payment.

After losing the work and, accordingly, the status of the serviceman, the latter carries full material responsibility and acts as the only and independent guarantor of its mortgage.

The very first standard advice for the payment of any debt of the monthly payment of the monthly payment should not exceed 30% of your income. But! There is an important nuance, which will define, whether you will balance on the verge of a nervous breakdown or calmly come to the finish of the pay lot.

These 30% need to be deducted from the amount you have after you have paid for all other mandatory payments like utilities, other loans and insurance. That is, you separate everything from income for a month, from what you can not refuse or save, and only after that consider the settlement contribution in the form of 30%. So you will not stay «On Bobah» and you can keep a worthy life, calmly praised a mortgage.

The Second Council is to meet in the minimum mortgage period, and this is about 7-10 years. With a larger time, you are overpaying more than 100% of the cost of housing, besides, psychologically, your life will turn into a hellish race, stretched for 20-30 years.

Of course, many are seduced by such long deadlines to break the loan as small payments as possible, but think about the pocket of this purchase, if the difference in 10 thousand rubles of the monthly payment plays you? 

So, use our advice, and we hope that the purchase of an apartment will be a joyful event, justify your dreams and perfectly fit into your capabilities!