||1. Rate your budget
It is important to know how much money you are willing to spend on buying an apartment, and to navigate in the prices of housing in your city. If the amount is small, it makes sense to focus, for example, on finding housing in a house under construction or a small-sized apartment on the secondary market. True, choose the footage, floor or area is unlikely to work: cheap offers very little, and they are sold quickly.
2. Do not do it yourself - take a mortgage
If your own funds are not enough, but you have a steady income, take a mortgage. Banks today issue loans at 12–14% per annum for a period of ten to thirty years. The smallest down payment you can count on is 10%, but most often it is 30% of the total cost of housing. The lower the down payment and the shorter the term of the mortgage, the more you will have to pay every month. The advantage of the mortgage is that the bank checks the legal cleanliness of the apartment. This means that it is more difficult for fraudsters to carry out frauds with double sales, incorrectly executed documents and "lost" owners.
3. Ready to wait - select a new building
Primary housing, that is, apartments in new buildings, on average, is cheaper than secondary housing. In addition, it has no legal history. And if the developer sells the property according to all the rules, you will not have problems with the documents and ownership. Such apartments can be bought without intermediaries. It is also important that this is a new house with modern communications, elevators and layouts. Although the "primary" there are downsides. For example, the developer may be unreliable and delay the deadline. Apartments in new buildings are often sold without finishing, and sometimes without walls between the rooms. Of course, this will perfectly develop your design skills, but will devastate your bank card: repairs from scratch will cost you about as much as a fifth of the entire apartment. Oh, and do not forget that the neighbors can actively knock and drill another year or two after the housewarming. Are you ready for noise?
Which apartment is better to buy - new building or secondary housing?
How to start buying an apartment in a new building?
4. If you want to move in right now - buy the secondary
The main plus of secondary apartments is that the house is ready and lived. Water, electricity, telephone work not in test mode, but in normal mode. Children walk in the yard, and not among the buildings under construction, shops and clinics are open. You see that you are buying: an apartment with repair or "dead" housing, you can immediately get acquainted with future neighbors. The cons are also understandable. First, it is worn communications in old buildings. But the main thing is legal history. The apartment could change hands many times, and you need to check the documents for each past transaction. Without the help of experts can not do. Be sure to contact a lawyer with experience in real estate or real estate agency.
5. Examine offers and choose a reliable company.
In order to keep abreast of prices and offers, study ads for the sale of housing in the area of interest to you. Pay attention to whether the work goes on construction sites that you pass on the way to work. However, you can immediately go to a real estate agency or developer. In this case, choose a company with a good reputation. The contract for the provision of services that you enter into with the agency should state the cost and scope of services: how many apartments will the realtor show, how long, who - you or the realtor - will collect the necessary documents. The developer must sell the property at the DDU, or at least participate in the HBC.