There are three ways to search for and purchase of housing:
1. Independent search and flat design of the property.
2. With the help of professional players in this market - real estate agencies.
3. Combination - when the purchaser alone or with a realtor to find suitable housing, and further appeals to the independent lawyer, that he had annexed to and process the deal.
Consider these options for more.

The first variant. Himself realtor

Most economical. Buyer does not need to pay for professional services or a realtor or a lawyer. Because of the selection of apartment agencies take an average of Moscow, about 3-5 percent of the value selected by the apartment. In addition, there is no need to pay for legal services which accompany the legal side of the transaction.

The buyer alone is flat, looking at the volume of literature on the real estate ads on public transport stops or at the door, gathering information on the Internet, through friends and acquaintances. Maybe a fancy to one area, and passes a construction site, which increases its potential house. Treats in his own mind the information received that is sold and how do. And if people find what they looking for, and desired the same as the real, the next step - to view the apartment "alive". Negotiate "bride" with the seller. If both parties are happy with everything, paid an advance. Then the seller begins to prepare for the transaction - to collect documents and simultaneously compresses veshchichki for export. A buyer is ready money. The transaction took place - everyone is happy.
By the way, according to experts, now in Moscow in an independent search apartments embarks approximately every second.

Cons and underwater reefs

The biggest difficulty with this option - searching and choosing the right apartment. 'll Have to orient yourself in the property market in terms of cost of housing sold: whether it is not overrated, as far as liquidity in the future if the need arises to sell it. That is, the buyer himself should evaluate the investment attractiveness of the apartment and the opportunity to further implement and get her money back. Preferably with a profit.

There may be difficulty in making the advance, so book liked housing. To do this, draw up a contract and pay an advance of funds to the seller, assuming full responsibility for the risk of losing money.

Legal verification of the apartment, that is, how flat is ready for sale - another reef, which can be run against a layman, the risk of losing everything: money, and an apartment. He is to make the final decision - to buy an apartment or refuse.

But that's not all. Then the question arises - how to stop the transaction, who will be a contract of sale, in which the bank to make a bookmark of money, as generally expected. And also - how is signed deed of the apartment, at which stage the buyer and seller actually transmit the object, and in what form - will remove only the furniture and remove all door handles.

This is only the main stages of the transaction and very serious risks that the buyer fully accepts. If he has no experience in this business, there is no possibility of someone to consult, then the risk of loss is great. In addition, this option is very costly in terms of time. Selection and design of the apartment is two to four months, and even more. It is unlikely that your employer will let a subordinate in such a long vacation.

Option Two. Entrusted to the Agency

If the buyer is not too much free time and work as a realtor it just confuses and irritates, it makes sense to invest in a professional mediator by contacting a real estate agency. Everyone must do his own thing.

Thus all the risks - the process of selection of housing, the organization views the proposed flats and, accordingly, a choice - lie at the agency. In a decent professional agency has all the databases, analysis and experience. Explanatory realtor will make an assessment of investment attractiveness of housing, which will decide whether it makes sense to invest there, as far as it will be liquid after some time.
Advance payment for future apartment - also take care professionals. Lawyers housing agency to the "purity", as it correctly and safely. And accompany registration of the transaction until the end.

Looking realtor

The main question: who to contact? Players in the property market the sea, huge choice. How to avoid mistakes and find "their" agent? This is extremely relevant today, when the licensing of real estate activity is canceled, and, indeed, any subject can nelenivy call themselves Realtors. Ask some friends, listen to customer feedback agencies that will find on the Internet forums about the real estate. Take the time, visit several firms themselves. And go to the already proven agency.

It is also important, as the agency is open. For example, when it offers a flat, immediately called it hides the value or price information. As far as it goes to your direct contact with the seller of housing. That is important to understand, do not deceive you on pricing if there are any hidden fees, in addition to the declared value of real estate services and the cost of apartments on display at the market. Inexperienced clients find it difficult. It is worth paying attention to whether there are any additional charges, expenses for legal services. So before you select the agency, do not be lazy, go around a few, compare. It is desirable that they were of different formats, and you had a choice.

You can contact the agency with a long history and popular brand, paying up to 6 percent of the apartments. You can search "black" broker, working in real estate market individually, spending approximately 1-1,5 thousand dollars for his services. A better focus on the golden mean and refer to the agency do their job professionally and for reasonable money.

The contract, which you offer to sign, too, can tell a lot about a company that you are going to entrust the decision of the apartment issue. Good study contract. What might be a suspect?

Advises the Project Manager Information Internet Portal "Kvadrum.ru Alexei Lipskerov:

- In the first place you should be alerted, if you refuse to give in the hands of a contract for review in a calm atmosphere at home and in order to show the lawyer. Quite often in writing about the treaties that after the transaction your copy of the contract is returned to the company. In other words, once you have bought a flat, documentary evidence that transactions took place with the agency, you do not have, and any problems that may arise in the future, will be solely your concerns.

Another point - the penalties that apply to the side of the contract, if she decides to deny service to the agency. If the item is, there must be a point of financial responsibility the agency before you. Namely, that you trusted the company, but she was unable to serve you. Accordingly, you lost time, some of your money "ate" inflation, and you're entitled to be compensated.

Look at the ratio of cost of services: it is clear that they should neither be understated nor overstated.

To understand whether overstated or understated the cost of services, you need something to calculate. The average cost of services for the agency search, selection, design of your property, compliance with all other legal formalities is from 3 to 5 percent of the total value of purchased residential premises. In some cases the percentage may be reduced if the cost of housing is very high, for example, 10-15 million dollars.

Cons and underwater reefs

The biggest minus - payment for real estate agencies. By the way, even in the Moscow Association of Realtors recognize that in Russia the price of real estate services is the highest in the world.

In addition, there is a danger to attack abusive partners, the company one day. Now, instead of the licenses of real estate agents have certificates that they issued the Moscow Association of Realtors (MAR). If this paper the firm is - well: it means that the company meets certain professional standards, and it can be trusted. In addition, one of the conditions of certification - mandatory liability insurance for employees of agencies. If the deal breaks down for their fault, damages the client compensates the insurance company.

List of certified real estate agents can be found on the website of the Moscow Association of Realtors (www.magr.ru).

It is believed that the deal will be cheaper, if we turn to private brokers. Yes, his services are inexpensive, but the risk of getting poor service, and sometimes lose already spent the money on the deal, too big. For broker today, and tomorrow it could be the day the fire is not found. Yes, and to trust the professionalism of the broker is also very difficult, though, and among them there are very good specialists. And most importantly - no contractual relationship with a broker there. And that means, and demand from him low.

Option Three. Combined

It also can be divided into two schemes:
Scheme first: the buyer finds himself a suitable choice of apartment. And then hires a lawyer, who performs the most problematic and difficult part of the work - provides legal support for transactions, starting with a down payment, renting an apartment and ending its state registration. In this case, the buyer pays only the cost of attorneys' fees - approximately 21-24 thousand rubles. This is a very economical option, since you only pay for the service "support of the transaction. Scheme two: finding suitable housing options for working professional realtor. And for the legal support of the transaction meets the independent lawyer of the legal agencies.

This - the Western version, which gradually adapts to our market. When a professional real estate agencies can find an apartment, and the professionalism of lawyers, working on the real estate market - to escort competently deal. In the West, for example, are clearly delineated: the realtor is looking for an apartment or a buyer, lawyer - monitors compliance with the rights of the client, represents its interests. And this principle is strictly protected by law. In Russia, too, began to appear such companies, offering a radically new service - maintenance of real estate transactions by an independent lawyer. You can find such lawyers for ads in trade publications or on specialized sites.

What is the differences and advantages of these lawyers? In the classic real estate agency realtor and lawyer, in fact, the same thing, he leads the entire process - from search to registration of the ownership of the apartment. He was an employee of the Agency, receives a salary from it and works primarily for the benefit of the transaction. The more - the better. If there is a conflict of interest, the lawyer to decide on which side the truth - whether the transaction, whether the client. Not all of them uphold the letter of the law. Company's new format, working on Western principles, employed clients and receive fees for their services. And because they are unbiased by any real estate agency, they will act based solely on the interests of the client - to prevent all the risks and legal implications of the transaction.

Incidentally, this option can also be called economy-option. Because he is also economically beneficial to the buyer of real estate. Even if he uses the services of professional Realtors, the selection and design of the apartment, he spends less than three percent.

Cons and underwater reefs

Less of such a system can be only one: if the agency and lawyers are not debugged the interaction of technology, there is a clear risk or not to enter the transaction (the lawyer let you down), or spend the time and did not find an apartment (poor work agency). Therefore it is necessary to contact the agencies that have partnerships with professional lawyers working in the real estate market.