Pluses

You can implement any plans: a more convenient area, more footage of apartment, modern house, etc. This does not necessarily sell the old house. You can rent out and thus to pay debts on the loan.

Cons

Terms of the deal to purchase your future flats to suit not only you but also the bank, which imposes certain limitations. In addition, you will find yourself a long time associated financial obligations to creditor banks.

To fit

People with high enough, and most importantly - stable income.

Expert Advice

Tatiana Kopystyrinskaya, director of mortgage lending services of the Moscow City Property:

- To determine how to really improve their living conditions, we must soberly assess their current and potential. Namely:
property values, which you already have;
pay family members (one must bear in mind that some banks take into account the combined family income of the borrower and guarantors (co-borrower). So if, say, the aggregate income of parents and children can take the credit, you can execute the application;
Whether you're shooting an apartment and what the monthly payments (to the extent they are comparable with the rates on the loan);
educational level of family members, social status;
opportunities in the future (a better estimate of just twenty years, as mortgage loans - long-term business): whether you plan to have children, career prospects, as far as the nature of your work can count on stable earnings.

Moved from city to suburb

Alternative transaction (exchange through purchase and sale)

Pluses

Flats more space or better quality can sometimes be purchased at all at no extra charge and not incurring debts.

Cons

Naturally, something will have to sacrifice: to move to more remote or less attractive locations.

To fit

Those whose main asset is `` - already existing housing, as wages can not really rely on credit.

Although alternative transaction can be realized with the use of mortgage, in which case your options are expanding (for details see 'Your home' for June 20).

Expert Advice

Jeanne Theological, director of secondary market for the Group of companies MGSN:
- If the alternative accommodation you decide to buy in the area, it is really to pick up at no extra charge is not simply a more spacious apartment, or even, for example, `odnushku` change `in` dvushku in a more modern house. Such an option is encountered.

How can this be done

Buy an apartment in a newly built house. It is certainly cheaper than in the secondary market, but this kind of investment - it risky. Also copes housewarming not work. We'll have to wait until the house will be built and decorated all the necessary documents, and this process may take several years.

Join in the housing construction or other housing cooperative. In fact, it is buying an apartment in installments. To move to a new home, you again will probably a few years.

Average price per square meter in the capital - $ 4079

Over the past week, the cost of housing rose by an average of 0,6%. This is slightly lower than the previous week (0.7%).

Thus, from early October prices receded quite confidently. A little more - and here it is, the long-awaited (for buyers of apartments) stabilization.

Most of this week has risen in price the most comfortable housing - monolithic and brick houses of recent construction. Least of all - the old panel and brick buildings with small apartments. Such an alignment, according to experts, also said the stabilization.