About what's happening in real estate, whether or not to wait for a collapse in housing prices in Russia portal Bank.ru said Konstantin Kovalyov, managing partner of Blackwood. Should I now urgently sell an apartment, waiting for the collapse of prices on the real estate market? Even with the assumption that prices will continue to decline, a sharp collapse of the market should be expected. New round of price reductions in the current year is possible if new financial turmoil in the country or abroad. Nevertheless, experts believe the company Blackwood, most likely stabilize by the end of 2009, with the traditional seasonal slowdown in December and January, and the restoration of the growth trends in the market in early 2010, in your opinion, it is more profitable now, get a mortgage or just rent an apartment? Before the crisis, mortgage payments were higher than the rent, but many people prefer to make regular money for their own apartment rather than a temporary removable. However, due to the crisis mortgage terms, much to the chagrin of all market participants have become more onerous. This is due to several factors. In terms of economic instability are growing downside risks to the standard of living of a family and the inability to repay the loan in the future. There was an increase in mortgage interest rates, and lower wage incomes in a large number of families. Adversely affects also significant tightening of underwriting (evaluation of credit quality). In the market we see virtually no possibility of acquiring a mortgage of housing under construction, falling prices for which more significantly, a price level - below. In addition, it should be noted improvement requirements for initial payment (before he could be zero, and now, as a rule, not less than 30%). Given that the level of rents has declined, rent an apartment has become easier and cheaper than taking a mortgage loan. How much is the rent is now an elite and a simple shelter? What determines the amount of payment? As of August 2009 the average rent in the big-segment housing was $ 6,100 per square meter. m, from the beginning of the decline was 6.2%. On the amount of rent a particular apartment influenced by several factors related to characteristics of the apartment and surrounding locations. In this part of the characteristics is fundamental, price-determining value, the rest are optional features that can increase the rental price is negligible. By "core" characteristics include: location of the apartment, house type, size of the apartment / number of rooms, level of maintenance, security, availability of parking. By "non-core": features of repair, or furnishing an apartment, decorating houses, etc. It should be borne in mind that the ultimate value of the rent for each individual case and is the result of an agreement between the tenant, landlord and broker. It makes sense to turn in search of buying or renting housing to middlemen, it's additional costs? When performing operations with real estate it is recommended to resort to the help of mediators with experience and good reputation. When working with a trusted mediator, a number of advantages. First, it reduces the risk because Agency guarantees that the proper verification of documents, the correct preparation of the lease. Second, given not 1-2 sentences, and much more to the tenant could choose. Third, the agencies high class is the so-called warranty period of stay for clients, for which you have relocated to another apartment, in the event of any force majeure. And finally, - Fourthly, no matter who it is you offer an apartment (the agency or owner directly), you can always bargain, in order to try to minimize the lease payment. About real estate, read on the portal Bank.ru Some market experts in all ways hold the idea that the "price floor" has almost reached to rent an apartment now cheaper than buying it second half of 2009 began with the accelerating rate of decline in rental rates Now we expect to stabilize prices in field rental scams much more
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