5 схем оплаты квартир в новостройке

Автор: admin  //  Рубрики: Новостройки

 

5 схем оплаты квартир в новостройке

Сегодняшний наш разговор будет посвящен теме оплаты квартир на рынке первичной недвижимости. И поможет нам в этом отчет, составленный экспертами компании «Медиум Групп».

На первом месте в рейтинге специалистов располагается  100 % оплата квартир в новостройках.  И это, несмотря на тот низкий уровень дохода, который имеет большинство  нашего населения.

Распространение  данной схемы обусловлено альтернативными сделками, когда для получения необходимой денежной суммы приходится продавать старое, а в подавляющем  большинстве случаев – единственное жилье.

1. Оплата полностью за все

Сразу за все жилье выбирают платить около 43 % москвичей и 35 % покупателей квартир Московской области. Бесспорно, это самый удобный вариант оплаты, при использовании которого и сделка проходит относительно быстро, да документов нужно оформлять меньше.

При данной  схеме оплаты квартиры весь процесс укладывается  всего в три фазы: согласование договора, перевод  денежной суммы и регистрация договора в органах УФРС.

Тем не менее, несмотря на очевидную простоту и минимальное затрачиваемое временя, объем подобных сделок за последние 4 года не возрастает, так как этому мешает весьма низкая платежеспособность громадного большинства населения России.

Благосостояние многих наших сограждан в последние годы ухудшилось, и главную роль в этом процессе сыграл экономический кризис 2008-09 годов.

Особо стоит отметить тот факт, что большая часть семей, способных полностью оплатить новую квартиру, отнюдь не располагают крупными  суммами свободными денег -  до 52 % приходится на  альтернативные сделки, в которых необходимые средства возникают за счет реализации имеющегося жилья.

А так как бурного восстановления экономики в ближайшее время не ожидается, то прогнозировать повышение числа сделок купли-продажи новых квартир по 100 % оплате в обозримом будущем не приходится.

2. Ипотека

Данный вид  кредитования помогает приобрести 35 % квартир в столице и 36 % – в Московской области. Хотя получение данного кредита занятие весьма хлопотное, для подавляющего большинства людей – это единственный вариант оплаты квартиры.

Однако перед тем как «влезть в кабалу» на долгие годы, просто необходимо объективно взвесить свою платежеспособность на предстоящие 15 - 25 лет: подвергнуть анализу перспективу востребованности своей профессии, возможные риски увольнения или ликвидации предприятия.

Необходимо также помнить, что ипотека в России – весьма дорогое удовольствие. Наиболее часто она выдается под 12 - 14 % годовых, что в  итоге приводит к тому, что полная сумма выплат по кредиту уже через 12 лет может превысить стоимость жилья в два раза.

Только в том случае, когда Вы объективно все взвесили и перспектива ежемесячно выплачивать 25 – 40 тысяч рублей Вас не останавливает, то этот вариант оплаты квартиры Вам годится.

Несомненным плюсом ипотеки можно считать тот факт, что она дает возможность купить жилье, имея на руках всего лишь 10 % от необходимой денежной суммы. А иногда  даже и меньше.

Существуют программы покупки без первоначального взноса, правда при том условии, что в залог переходит уже имеющееся жилье. А вот  срок погашения кредита может доходить до 30 и более лет.

Именно поэтому многие семьи вынуждены соглашаться на выплату столь высоких процентов, так как накопить на жилье самостоятельно они всё равно не в состоянии.

3. Рассрочка

Этой схемы в Москве придерживаются 19 % покупателей, в области – 24 %. Однако отметим, что договор долевого участия не исключает возможность оплаты квартиры в рассрочку.

Для   этого в договоре устанавливается величина первого платежа, срок рассрочки, а так же  график ее погашения. Рассрочкой, как правило, пользуются клиенты, которые способны первоначально оплатить 25 – 55 % стоимости жилья.

Срок данной услуги варьируется от трех месяцев до трех лет. Оплату  можно проводить ежеквартально, ежемесячно, а иногда и еженедельно.

Но, все же, следует помнить, что беспроцентные схемы встречаются очень редко. Как правило, эта услуга обходится в 7,5 – 13 % годовых, уже включенных в стоимость квартиры.

В случае полной оплаты сразу квартира стоила бы просто меньше.

4. Жилищный сертификат

Оплата квартиры с помощью жилищного сертификата встречается чрезвычайно редко. В Москве проходят 2 % таких сделок, в Подмосковье – 4 %.

Жилищные сертификаты – это своеобразный вид облигаций, которые подтверждают право владельца на получение жилья либо субсидии на приобретение или строительство квартиры.

Выпуск жилищных сертификатов является частью федеральной программы «Жилище», а номинал облигации устанавливается в денежном эквиваленте и квадратных метрах.

Выпускают жилищные сертификаты крупные компании, владеющие правами заказчика на строительство жилых домов. Быть владельцем жилищных сертификатов может не каждый - в основном ими становятся военные, ветераны Великой Отечественной Войны, сотрудники МВД, а так же  молодые семьи и лица, пострадавшие от терактов или стихийных бедствий.

Да и то только те из них, у кого нет никакого жилья ни в собственности, ни по социальному найму. Неудобство жилищного сертификата в том, что его необходимо принести в банк в течение не более двух месяцев со дня получения.

5. Вексель

Покупкой по векселю в столице пользуются в 1 % случаев, в области – до 3 %. Эта схема применялась, в основном, в 90-е годы, однако после принятия Закона №214-ФЗ признана незаконной.

Тем не менее, несмотря на незаконность, эта схема оплаты квартиры до сих пор встречается на рынке, в особенности в премиальном сегменте.

Это самый рискованный из способов оплаты, так как вексель, является письменным долговым обязательством и  по нему можно требовать с заемщика лишь только уплаты к определенному сроку денежной суммы, зафиксированной в векселе.

Строительная фирма продает покупателю жилья вексель за сумму, равную стоимости выбранной квартиры. В дальнейшем, когда наступает срок погашения векселя, клиент обменивает его на квартиру.

Риски этой схемы оплаты квартиры состоят в том, что юридически купля-продажа данного векселя не связана непосредственно с квартирой. Вам  приходится, элементарно, доверять данному застройщику.

А это не всегда разумно, так как с точки зрения закона строительная фирма вправе вместо квартиры  вернуть Вам деньги, которых, безусловно, не хватит на новую покупку. И никакой суд не изменит эту ситуацию.

Резюме.

Платить сразу всю сумму – самый лучший вариант, однако доступный далеко не каждому. Вот поэтому-то на втором месте и находится покупка жилья с помощью ипотеки.

А вот сделок, связанных с векселями, лучше просто избегать.

 

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76 комментариев к записи “5 схем оплаты квартир в новостройке”

  1. Галина сказал:

    Спасибо за информацию! Про жилищные сертификаты и векселя вообще ничего не знала. Но я согласна — платить всю сумму сразу — наиболее выгодный вариант.

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