It is clear that those who are willing and able to acquire additional "roof over your head" somewhere in the Old World, has long done. And what do those who own resources are inadequate, but have a foreign cottage still want? How realistic is the average Ukrainian to take the credit - in Ukraine or abroad - to purchase foreign real estate?

First I would like to reinforce the dream of the sea breeze and the terrace overlooking the Mediterranean Sea to specific figures. For example, the average cost per square meter two-room apartment in the center of Yalta on the secondary market turnover today of $ 2,600 or more, in the primary - from 1300 to 4000 dollars, however, if you take the cost of one "square" in some apartment complexes located on exclusive territories, or park in the central city of Yalta, with a high percentage of construction readiness, with integrated infrastructure and a protected area, the price "will make it" up to 7000 dollars per square.

Meanwhile, in Catalonia (Spain), as well as in other coastal towns, a small one-room apartment can be bought for 75 thousand euro, with a sea view - 10 thousand euro more expensive. Two-bedroom - from 90 thousand euros and above, two-bedroom - from 100 thousand euros. But it is in Barcelona and in coastal towns. If you pull in from the sea at 20-30 km, the price of the order below. Construction of new housing will cost 10-15% cheaper.

Buy cozy "nest" can and Cyprus. Apartment of 50 square meters. meters will cost approximately 120-140 thousand dollars, penthouse from 130 sq. m - 300 thousand dollars when it should be noted that everything here is aimed at people who want to buy an apartment and soon it may dwell. Therefore the price of housing includes complete its finish on the European standard with partial furnished - ready kitchen and fitted wardrobes.

In the end, an excellent choice for a reasonable price can be done in Bulgaria, having the opportunity to enjoy a childhood friend the Black Sea. Apartments in Russia's companies built houses in Bulgaria are offered an average of 650 to 900 euro per square. m. In the secondary market 2-bedroom apartment area of 85 square meters can be bought for 78 thousand euro. In general, if not cool, but Ukraine has a handicap to many resort cities of Europe.

It has long been accustomed to hear that foreign banks are willing to provide mortgages to foreigners at 3-6% per annum for 15 years or more. But is it possible to formalize a loan agreement for the purchase of overseas real estate in Ukraine, so as not to experience any barriers (psychological, linguistic, etc.), left alone with a stranger in a strange land bank?

As it turned out, to date, this practice is not yet widespread in Ukraine. Issuance of mortgage loans secured by real estate abroad is difficult and costly, according to "Privatbank". It is much easier to get a loan to the client in the bank cash bail existing Ukrainian assets and use the funds to purchase foreign real estate.

Did not know until now examples of mortgage loans for purchasing real estate abroad and in the Bank BIG Energy ". "Our fellow citizens is much more profitable to take credit in a country where he buys the property. There, and rates are lower, and the procedure easier. Mortgage there - this is the minimum documentation and a clear mechanism, all the details of which are in place. For example, in Spain, banks give a loan of 70% and sometimes 100% of the cost of housing. The key to becoming the real estate purchased. The whole process of design takes a fortnight or a little longer, "- says the chief economist of Credit Management Bank BIG Energy" Faith Panchenko.

However, she said, in the home buying abroad also has its disadvantages, which should not be forgotten. In particular, real estate abroad does not accelerate the process of obtaining citizenship in the developed countries, and visa regulations can prevent long stay in the newly-acquired house. Thus there is little hope that the situation will change soon.

In Ukraine, as, indeed, in Russia, there is distrust between the bank and the borrower. "It takes a long list of documents, a long procedure, the high rate. And for this, alas, it is reasonable, since the individual physical persons periodically" forget "to pay interest. Clearly, there are schemes for solving this problem - for example, the guarantor with the bank can get credit and currency to repay the person for whom he once pledged. Still, the risks are great, but when lending to buy property abroad are even more ", - said Panchenko.

It turns out that if you want to buy a house, for example, in Turkey, you can only rely on your existing facilities or build real estate on the territory of Ukraine. Meanwhile, Ukraine is gaining momentum in other practices - lending our compatriots living abroad, to purchase real estate in Ukraine.