Today, sellers of apartments in new buildings use multiple schemes. The safest for the buyer - the conclusion of the contract in accordance with the law `On the 214 participating in the shared construction of apartment buildings ...`. However, this scheme is the most unpopular with developers. And since today is the seller dictates the rules of the game, the buyer has no choice but to take him on a leash and enter into a contract, which he will propose. What the scheme offers sellers and where to find the trick?
According to various estimates, the average increase in prices for primary housing market was 25 - 30% in foreign currency, said deputy general director for marketing "of the Moscow City Property Services (MGSN) Sergey Vakhrameev. At the same time, incomes are not increased in similar proportions. "Talk about the glut in the market until you have, but the ratio of effective demand and supply have changed significantly in the direction of increasing the latter," - says Vakhrameev. Analysts of the Moscow real estate investment agency "(IIAS) is also confident that demand growth is not keeping pace with rising prices and volumes of construction. "But the lower prices while not necessary to speak, - said deputy director of the agency Oleg Repchenko. - The reason for this is not.
In the Northern District - more than 19 thousand families waiting. Every year, provided shelter for about one thousand families. If the pace to go further, then reduce the waiting time in queues of up to 10 years will be impossible. How then can make a difference? Recently, the Moscow government issued a decree on the medium-term program of housing construction. So, comparing the number of waiting area and the number of residential space, which will be built by 2010, we concluded that the problem is quite real. But to do so to provide housing for those waiting, who went on record before 2000. This also applies to beneficiaries, and those who stand in line with general practice. Now in the district of 13 224 families.
Along with the evolution of technology have changed dramatically and the requirements of inside buyers of apartments to the infrastructure. For example, in the seventies, it was considered best to have an apartment in every room with two electrical outlets, one outlet in the kitchen (plus one more a force - if the house was electric), well, plus a number of telephone sockets (diluted to the same right over skirting ever break in two at the most unexpected moment solid wire). Naturally, the whole house was also cut by a black television cables.
This situation requires the emergence of new schemes that allow to overcome such difficulties. According to experts, is increasingly relevant over time, may acquire the Lombard lending scheme. If you change the housing of the main principle - the design of a pledge not purchased, and the old, selling apartments. If there is a surcharge for buying new, you can use borrowed funds to buy new home safely, make repairs, move and sell the old apartment, pay off the bank. The stumbling block for such technologies is only one thing - selling the mortgaged flats. Nevertheless, the market learns to overcome bureaucratic barriers. And the banks, going to such schemes, it becomes more and more.
Nothing strange there is no - just look at the Tax Code, Section 5 Art. 208 which states that the money received from the sale of real estate are income, taxable (for operating the current rate of 13%). Let us consider an example. There is a one-bedroom apartment, which we possess one year and you buy somewhere for 2,8 million rubles. If the documents are written the true figures, the size of the tax base will be 1.8 million (2.8 million minus 1 million deduction). Taxes from this amount will have to pay 13%, ie 234 thousand rubles. Note that with increasing value of the flat tax will increase, and not only in absolute terms but in percentage terms.
On the eve of the regular meeting of the Government of Moscow, dedicated to urban housing programs. Perhaps its main result was that, according to the head of the department of housing policy and housing capital, Peter Saprykin, the majority of benefit recipients with the experience, as well as vneocheredniki living in Moscow for over 10 years, will get new apartments by the end of this year. Accordingly, were identified and categories of beneficiaries, which primarily provide housing.
