Family mortgage: housing for the program can not be bought in all cities of Crimea

A large increase in the cost quickly and significantly slowed down when they introduced the restriction of the preferential mortgage “in one hands”, and then stopped giving a preferential mortgage altogether, and only a single-family mortgage or IT-mortgage remained— she said.

According to the expert, earlier the good intention of the state of improving housing conditions resulted in the fact that investors began to massively acquire real estate objects due to cheap credit shoulder.

Now the cost is slightly slowing down, but we will not forget that nevertheless in Crimea we have a shortage of proposals. We have the ratio of sale to rocking is 90%. That is, we have 90% of objects are acquired at the construction stage before commissioning facilities— said Morozova.

According to her, this is a very high indicator at the level of all of Russia, and therefore high demand still entails an increase in the value of real estate objects.

Investments in real estate are always reliable, and these investments will grow in value. The average per square meter cost of Simferopol is 150 thousand rubles per square— the expert led the numbers.

According to the observation of an expert in the field of real estate, in the Crimea, a lot of real estate is also being sold out under the contract of shared participation at the construction stage, «on the pit or even before the foundation pit.»

At the same time, the difference in the cost of the primary and secondary housing market is small-about 10-20% of the primary real estate market.

Morozova noted that restrictions are currently operating, and the category of persons who could claim a family mortgage for housing support has significantly reduced. Now a mortgage can be designed by a family who has at least one child under the age of 6 years old inclusive, or a family who has at least two minor children or a disabled child. Not every property can be purchased and not in every municipality, you need to buy housing from the developer.

At the same time, an apartment building is no more than 20 years. You can not purchase a real estate object from close relatives— said the lawyer, speaking of secondary housing.

There are also restrictions on the secondary market in the secondary market. In Crimea, this is Bakhchisaray, Belogorsk, Old Crimea, Shchelkino, Armyansk, Dzhanka, Krasnoperekopsk, Saki and Inkerman.

Also, from December 23, 2023, you can use the right to family mortgage only once, Morozova reminded.

Another of the restrictions that are relevant for Crimea, the maximum amount that you can count on is 6 million rubles. In Crimea, still real estate are quite expensive, and often this becomes a significant limitation for families— she added.

source: RIA Novosti Crimea