Квартиры на этапе строительства: какие риски преследуют покупателя на разных этапах застройки?

Автор: admin  //  Рубрики: Новостройки

 

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Квартиры на этапе строительства: какие риски преследуют покупателя на разных этапах застройки?

Опасно ли покупать квартиры на этапе строительства? Безусловно, риск в этом есть и немалый. В печально знаменитой столице обманутых дольщиков Подмосковья Щербинке, а сегодня уже в городе Новой Москвы, дольщики ждут нового жилья не первый десяток лет. Кто-то уже успел состариться, а кого-то уже и вовсе нет в живых. Многие из этих людей брали кредиты на покупку жилья или тратили последние сбережения. И никак не могут дождаться новоселья. Печальная картина.

Но покупка строящегося жилья по-прежнему остается привлекательной, так как стоимость квадратного метра в строящемся жилье значительно ниже, чем в сданном доме. Так на каком же этапе строительства наиболее выгодно и при этом наименее опасно покупать квартиру?

Золотая середина

Чтобы не попасть в ряды обманутых дольщиков и при этом не переплачивать за квартиру, специалисты рекомендуют покупать квартиры на этапе строительства, когда готовность строящегося дома приближается к 50%. К этому времени становится очевидна скорость возведения дома и наличие проблем, осложняющих достройку. На этом этапе сохраняется большой выбор квартир, а цены еще не взлетают вверх, как это происходит на объекте, сданном в эксплуатацию.

А если раньше?

Многоквартирный дом строят несколько лет. Если застройщик покупает землю на городских торгах, согласований на проведение инженерных сетей будет меньше, что сократит время строительства. Если земля приобретается у собственника,сбор необходимой документации займет больший отрезок времени. И в том, и в другом случае проект застройки необходимо согласовать и получить разрешение на строительство.

В России фактическое строительство дома нередко начинается до официального получения разрешения на строительство. Готовясь к покупке, следует учесть это обстоятельство и проверить необходимый пакет документов у компании-девелопера.

Фундамент начинают готовить после получения разрешающих документов. Покупая квартиры на этапе строительства, носящем название «этап котлована», дольщик рискует слишком долго дожидаться сдачи жилья.

Однако, этот этап менее рискован, чем покупка жилья у компании, ещё не получившей разрешающие на строительство документы. В этом случае нет гарантий, что недобросовестный застройщик не продаст одну и ту же квартиру дважды, а то и трижды.

Цена на этапе котлована, в среднем, на 40% ниже, чем в сданном доме. У покупателя остается большой выбор вариантов будущего жилья.

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Квартиры на этапе строительства 70-80%

В доме, готовом к сдаче примерно на 75%, покупать квартиру еще менее безопасно. Но стоимость такой квартиры будет примерно на 30% выше. Вариантов рассматриваемых квартир уже меньше, но увеличивается число предложений от физических лиц-соинвесторов, рискнувших купить квартиру на раннем этапе.

Готовый дом

Безусловно, наиболее безопасно купить квартиру в доме, который уже сдан. Но цена на такое жилье будет значительно выше, она вырастет на 30-40 % по сравнению с ранним этапом строительства.

Количество факторов, влияющих на работу компании-застройщика достаточно велико. Это и кризисы в стране, и проблемы, связанные с недобросовестной работой партнеров.

В 2012 году ряд строительных объектов Подмосковья попал в разряд долгостроя по причине отсутствия разрешающих документов на строительство. И не потому, что они не были получены на начальном этапе строительства, а потому что после присоединения ряда территорий к Москве ряд экспертиз и согласований оказались недействительными. Так как выданы они были областными, а не столичными структурами.

Словом, причин, способных помешать окончанию строительства дома в срок, может быть много. Но и риск ранней покупки (особенно, если репутация застройщика вызывает у вас доверие) может быть оправдан, соотношение цены и риска варьируется на каждом этапе. Важно взвесить все за и против и принять правильное решение.

С уважением, Андрей Ляпустин

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