The target program “Apartment for Students” was launched in the south of Russia

Apartment for student target program in Rostov

Especially for such cases, the “Apartment for Students” program provides for the “APARTMENT” deposit, with a high yield (8% per annum) and a period of up to three years.
Thanks to it, you can collect funds to purchase an apartment in amounts and terms convenient for you (as opposed to a clearly established monthly mortgage payment), while receiving benefits from developers under this program. The program can be used by full-time and part-time students of universities - applicants, graduate students, graduates, their families or families with high school students. Now there is a very large choice on the housing market, but if you take into account all the positive aspects of the “Apartment for Students” program, then this choice will be obvious.

Is it worth buying an apartment to rent to students?

Renting an apartment is a good income . And if they have some savings, many people decide to spend them on buying an apartment, which will subsequently be rented out. If an apartment is chosen for students, then it is necessary to take into account some circumstances that will protect you from problems and unnecessary troubles.

Consulting with local experts or agents who specialize in real estate will be very useful and even necessary for an inexperienced person.

It is very important to choose the right place that is most popular among students. A win-win option is the surrounding areas of universities and central areas of the city. Quiet areas are not for students. They lead an active life, stormy and interesting.

You shouldn’t choose an apartment that is too cheap; after all, many students prefer apartments rather than dormitories in the hope of better conditions and high living comfort.

How to get a mortgage for an apartment as a student

• if it is possible to purchase an apartment entirely at your own expense;
• in the presence of an amount corresponding to the size of the down payment and the presence or absence of the possibility of mortgage lending;
• if there is insufficient funds to pay the initial payment.

An alternative that allows you to receive mortgage benefits is to actively participate in scientific activities and obtain the status of a young scientist before graduating from a university or getting married in order to become a participant in one of the federal co-financing programs. The problem is that by the time the turn comes and the subsidy is received, the institute will most likely be completed and the borrower will lose his student status.

Target Program Apartment For Students Rostov-on-Don

Russia - Krasnodar Territory and Rostov Region, and consists of providing preferential conditions to students of the region and regional centers for the purchase of housing in new buildings, the supply of which is limited to certain areas and the characteristics of the apartments. Allowed for purchase are smart or small apartments, as well as full-fledged one- and two-room real estate from more than 9,000 objects from the association of construction companies in the south of Russia, consolidated as part of VKB-Novostroika. Conditions for participation in the program The main criterion for participation in the program, in addition to having a student card, is the solvency of the borrower, which can be confirmed by the presence of a constant income from working outside of school hours or other means of earning, confirmed by an income statement or other available means.

An alternative that allows you to receive mortgage benefits is to actively participate in scientific activities and obtain the status of a young scientist before graduating from a university or getting married in order to become a participant in one of the federal co-financing programs. The problem is that by the time the turn comes and the subsidy is received, the institute will most likely be completed and the borrower will lose his student status. The best option is to enroll in universities in the Krasnodar Territory and Rostov Region and participate in the regional program, recognized as the best social project in 2014, which allows you to get an apartment in a new building for about 15 thousand.

How and where to look for an apartment

The main places to search for apartments for students are real estate search services, social networks and real estate agencies. Combine several channels to get quick results.

Services for searching for real estate

The most convenient in terms of the number of offers and filters that can be used during the search. True, most of the advertisements with inexpensive apartments on such sites are fake - they are used by realtors to attract attention. In order for the tool to justify itself, do not be fooled by advertisements with an impossibly low price tag and request photographs of the apartment before you leave for viewing.

Social media

This tool has replaced the good old word of mouth. On social networks you can find many communities for rental housing, student communities or communities specifically for your university, where you can quickly find out who is moving out and looking for a replacement tenant. The main advantage is that you can also find neighbors there.

You can also increase your chances by posting a post on your own page announcing that you are looking for an apartment. Duplicate it in all communities for finding housing for rent and don’t forget to ask your friends to repost.

Real estate agency

This option is best suited for those who come to their senses at the height of the season - in September. It will not be possible to cope here without professional help, since all available inexpensive options have already been sorted out. An agent knows the market better, which will save you time and nerves. However, be prepared to pay more - the agency percentage starts at 50% of the monthly rental rate.

Gelendzhik: from Kabardinka to Teshebs

To implement the “Apartment for Students” program, only 1 and 2-room apartments of small size are allocated. They will have full interior finishing and be located in houses of the “economy”, “comfort” and “comfort+” classes in the cities of the Krasnodar Territory and the Rostov region: Krasnodar, Rostov-on-Don, Anapa, Novorossiysk, Gelendzhik, Armavir, Krymsk, Sochi , Slavyansk-on-Kuban, from the available 9,000 apartments of the Association of Developers of the South “VKB-Novostroiki”.

1. The student or parents have funds in full or almost full amount - if this is your option, then you should contact 8-800-333-7-111 or fill out an application on the website www.VKBN.RU (the link is not active, so you should copy it into the browser line, and then in the window that opens, select the “Current offers” section, where you will find the “Apartment for Student” program);
2. Funds are available only in the amount of the down payment, a mortgage is possible and desirable - you should contact 8-800-555-25-18 or fill out an application on the website www.kubankredit.ru;
3. The student or parents have funds in the amount of the down payment, but a mortgage is impossible or undesirable - contact 8-800-333-7-111 or fill out an application on the website www.VKBN.RU (section “Ask a Question”);
4. If funds are available in an amount insufficient for a down payment, and the goal is to purchase an apartment in the foreseeable future, then you should seek advice by calling 8-800-333-7-111 or 8-800-555-25-18 for determining the time and place for drawing up an action plan.

We recommend reading: How to Get a Mortgage for an Apartment for a Young Family

What are the benefits of the target program - Apartment for a student

The apartments are expected to be put into operation until 2020. Specialists and experts suggest that this program will be relevant and in demand for many years. Construction companies in the South are ready to offer more than nine thousand apartments under the social program in the future. Location, which is in Krymsk, Slavyansk-on-Kuban, Anapa, Armavir, Novorossiysk, Krasnodar, Sochi.

In order to implement the first part of the program, 2,500 apartments were put up, with a small area and fully completed interior decoration. The apartments presented under the program were of the “comfort+”, “comfort” and “economy” classes. The location of apartments participating in the program is Rostov-on-Don and Krasnodar Territory. In Krasnodar alone, in 5 districts that are located near universities, apartments are being built under a social program. If a student decides to move to a new place of residence after graduation, he will be offered assistance in selling the apartment.

Excellent apartment: where can a student rent housing in Moscow?

Autumn is a traditional time to look for rental housing. Students returning from vacation are coming to Moscow from different parts of the country, and first-year students who have successfully passed the entrance exams are starting to look for apartments. The capital's rental market is beginning to revive - profitable properties are being rented out within a few hours. However, finding inexpensive and comfortable housing for a student this year is not so difficult. According to experts, the situation on the rental apartment market in Moscow is now favorable for tenants - the number of offers exceeds demand. However, the most popular one-room apartments among students are still in short supply. In which areas of Moscow should those gnawing on the granite of science look for an apartment, so as not to go broke on rent, read our review.

Mortgage for students for an apartment in Rostov-on-Don

• Platovsky: letter 5 (JSC Kubanskaya Marka)
• letter 6 (JSC Rostovskoe)
• letter 7 (JSC Rostov)
• letter 8 (JSC Rostovskoe)
• letter 9 (JSC Rostov)

Basic conditions: Real estate categories Primary housing market, Secondary housing market Type of housing Apartment Calculation scheme Annuity payments in equal shares Advantages: Apply for a mortgage for the purchase of housing on favorable lending terms. Mortgage rates in rubles:

Promotions and discounts in new buildings in Krasnodar

• Residential complex "Perspective", letter 3
• Residential complex "Slavyanka"
• Residential complex "Novy"
• Residential complex "Elegant", letter 1
• Microdistrict "Southerners"
• Residential complex "House on Kirova"
• LCD "Radonezh"
• Residential complex "Elegant", letter 3

Show all Promotions and discounts in new buildings in Krasnodar

Apartment for a student

1. Funds are available in full or almost full amount - contact by phone (toll-free in Russia), 8-863-201-88-01 (Rostov-on-Don) or leave a request on the website VKBN.RU;
2. Funds are available in the amount of the down payment, a mortgage is possible and desirable - contact 8-800-555-25-18 or leave a request on the website www.kubankredit.ru;
3. Funds are available in the amount of the down payment, but a mortgage is impossible or undesirable - call 8 800 333 71 11 (toll-free in Russia), 8-863-201-88-01 (Rostov-on-Don) or leave a request on the VKBN website .RU;
4. Funds are available in an amount insufficient for a down payment, while the goal is to purchase an apartment in the foreseeable future - call 8 800 333 71 11 (toll-free in Russia), 8-863-201-88-01 (Rostov-on-Don ) or 8-800-555-25-18 to determine the time and place of drawing up an action plan.

• Discounts up to 1200 rub. per square meter of housing upon presentation of the original student card, student or applicant certificate;
• Providing interest-free installment payment;
• Providing interest-bearing installments for a longer period;
• Reserving an apartment in a house after collecting 80% of the down payment amount on the “Apartment” bank account.

Apartments in a new building for students

Developers in Krasnodar have begun to more often design and build budget residential complexes with small layouts. In multi-storey buildings, near a university or college, studios and one-room apartments are in great demand. Parents of graduating students buy housing in construction for the future due to the difference in price with the old building and proximity to the Alma Mater.

— The Borrower’s age at the end of the loan period does not exceed 65 years — Permanent place of work and/or registration in the city, district and surrounding areas at the location of the Bank (its branches) — Work experience at the last place of work for at least 6 months (if the Borrower receives salary on a Zapsibkombank card - work experience at the last place of work is at least 3 months) - If the client is in a registered marriage, both spouses act as Co-borrowers under the loan agreement.

What are the approval criteria for a student mortgage application?

Buying real estate involves dealing with large sums. Therefore, the main criterion for a bank to evaluate a potential client is the ability to fully fulfill debt obligations throughout the entire period of the contract. A positive answer is received only by those citizens who were able to document a sufficient level of income that allows them to consistently make monthly payments.

When deciding to contact Sberbank, you need to take into account several facts that help increase loyalty:

• The amount of wages or other sources of income. According to the law, loan payments together with other obligatory expenses cannot amount to more than 60% of the amount of income. Based on these data, the maximum amount of credit funds provided by the bank is calculated.
• If there is insufficient cash flow, you can attract guarantors or a co-borrower. In this case, the total level of earnings is taken into account.
• No debts or arrears on loans taken previously. Credit history is contained in a single database and takes into account each concluded agreement with the bank, regardless of the statute of limitations or the name of the institution.
• Ownership of property whose value is comparable to the size of the proposed loan. Real estate is used as collateral, which provides certain guarantees to the financial institution.

It is worth noting separately that there are no special mortgage conditions for students for an apartment in Sberbank. Accordingly, there is no government support in the form of subsidies or reduced rates. Registration takes place on a general basis; the choice of a lending program is made based on individual preferences and capabilities.

Sberbank sets standard requirements for each potential client that guarantee the fulfillment of debt obligations. These include:

• Age category from 21 to 75 years. Mortgages are not issued to persons under 21 years of age.
• Work experience of at least six months in the last position and at least one year in general.
• Availability of citizenship of the Russian Federation and registration on its territory.
• Repayment period from 1 year to 30 years.
• Presence of a permanent source of funds.
• A down payment of 20% of the value of the purchased property.

A mortgage for students for an apartment in Sberbank, according to the conditions, is issued only upon reaching 21 years of age. From the age of 18, very few financial institutions issue a loan for a large amount. As a rule, they are characterized by an increased rate and a high down payment.

A reasonable solution would be to involve a third party as a co-borrower. Married couples use this. This not only increases the chances of approval of the application, but also divides the obligation to make monthly payments.

Target program APARTMENT FOR STUDENTS - Krasnodar

• The program is a single product of investment and construction companies of the association VKB-Novostroiki and the program partner bank - KB Kuban Credit.
• The Apartment for a Student program was presented to the administration and recommended for implementation for university students in the Krasnodar Territory and Rostov Region.
• The program provides the opportunity to purchase an apartment for a student or by the student himself using a large number of discounts and special conditions, both from construction companies and from the partner bank.
• The Program examines all possible options for the buyer’s solvency and, depending on this, develops interaction schemes for purchasing an apartment!
• The program provides the opportunity to receive advice from a single personal manager on both banking products and developer products, which will ensure maximum balance between the actions of 3 parties: BUYER + SELLER + BANK.
• Thanks to the listed advantages, the Program allows you to find an option for purchasing an apartment for any financial capabilities of the buyer, if there is a desire to own your own real estate in the city in which the student is studying!

1. Funds are available in full or almost full amount - contact by phone (toll-free in Russia), 8-863-201-88-01 (Rostov-on-Don) or leave a request on the website VKBN.RU;
2. Funds are available in the amount of the down payment, a mortgage is possible and desirable - contact 8-800-555-25-18 or leave a request on the website www.kubankredit.ru;
3. Funds are available in the amount of the down payment, but a mortgage is impossible or undesirable - call 8 800 333 71 11 (toll-free in Russia), 8-863-201-88-01 (Rostov-on-Don) or leave a request on the VKBN website .RU;
4. Funds are available in an amount insufficient for a down payment, while the goal is to purchase an apartment in the foreseeable future - call 8 800 333 71 11 (toll-free in Russia), 8-863-201-88-01 (Rostov-on-Don ) or 8-800-555-25-18 to determine the time and place of drawing up an action plan.

We recommend reading: How to sell an apartment if you bought it with maternity capital

Target program APARTMENT FOR STUDENTS - Krasnodar

• The program is a single product of investment and construction companies of the association VKB-Novostroiki and the program partner bank - KB Kuban Credit.
• The Apartment for a Student program was presented to the administration and recommended for implementation for university students in the Krasnodar Territory and Rostov Region.
• The program provides the opportunity to purchase an apartment for a student or by the student himself using a large number of discounts and special conditions, both from construction companies and from the partner bank.
• The Program examines all possible options for the buyer’s solvency and, depending on this, develops interaction schemes for purchasing an apartment!
• The program provides the opportunity to receive advice from a single personal manager on both banking products and developer products, which will ensure maximum balance between the actions of 3 parties: BUYER + SELLER + BANK.
• Thanks to the listed advantages, the Program allows you to find an option for purchasing an apartment for any financial capabilities of the buyer, if there is a desire to own your own real estate in the city in which the student is studying!

1. Funds are available in full or almost full amount - contact by phone (toll-free in Russia), 8-863-201-88-01 (Rostov-on-Don) or leave a request on the website VKBN.RU;
2. Funds are available in the amount of the down payment, a mortgage is possible and desirable - contact 8-800-555-25-18 or leave a request on the website www.kubankredit.ru;
3. Funds are available in the amount of the down payment, but a mortgage is impossible or undesirable - call 8 800 333 71 11 (toll-free in Russia), 8-863-201-88-01 (Rostov-on-Don) or leave a request on the VKBN website .RU;
4. Funds are available in an amount insufficient for a down payment, while the goal is to purchase an apartment in the foreseeable future - call 8 800 333 71 11 (toll-free in Russia), 8-863-201-88-01 (Rostov-on-Don ) or 8-800-555-25-18 to determine the time and place of drawing up an action plan.

Mortgage for students: programs and opportunities

A positive feature of this program is its high flexibility. This allows you to choose the most suitable option for all groups of students, based on material security, current income and the severity of the need for housing. Various discounts are available from the bank and VKB-Novostroiki LLC, which unites developers in the South of Russia. For example, the developer provides discounts of up to one and a half thousand rubles per square meter of housing for a student card.

Many students study away from home. Often, students who come from other cities receive a hostel, but not everyone will like such conditions. At such a moment, the issue of housing can become acute. Most often, the solution is rented housing. But if a student plans to stay in this city after studying, it is worth considering an option such as a mortgage for students.

Rules for renting housing for students

If the student has finally decided on his choice, deciding that rented housing is an ideal option for him, then it’s time to begin a fateful search that can last more than one week. This is where it’s worth remembering the basic rules that are described below.

Rule one. Under no circumstances should you select housing over the phone.

, especially in a telephone agreement to agree to payment and check-in.
absolutely important to personally visit the rental property in order to make sure that the conditions are present that the tenant colorfully talked about during a phone call not so long ago.
Even if you found an ad on the Internet, and it was supplemented with colorful photographs of the design and interior, you should not naively assume that it was your future home that was photographed. There are plenty of deceivers today

, especially since they feel the naivety of provincials on an intuitive level.

Rule two. When inspecting future housing , especially for a freshman, it is advisable to take one of your parents or close relatives with you. There are several reasons for this decision: according to the first version, apartment swindlers will be afraid to carry out their housing scams with an adult and knowledgeable person in this matter, and according to the second version, parents paying for their child’s stay in the capital have the right to know in what conditions, where and What additional fee will he pay for his stay? So, when choosing accommodation, solo trips are certainly not welcome.

Rule three. If you like a certain housing, then you shouldn’t squeal with “puppy delight” when praising the new apartments. As a rule, in such situations, the tenant begins to deliberately inflate the rent, trying to get more income for himself. That is why there should be restraint in emotions, and composure in the soul , because a lot depends on how you prove yourself now in the future.

Rule four. If the choice of housing has already been made, then it is advisable, by agreement of both parties, to conclude a rental agreement , which, as mentioned above, will act as a guarantor of conflict-free relations between the tenant and the tenant. It stipulates in detail the housing delivery period, the prepayment, the monthly payment and the rules for its implementation, as well as indicate a number of additional points at the request of both parties.

This is the so-called “peace agreement”, which after separation (eviction of tenants) will leave only positive memories and emotions about each other. If the owner of the apartment does not adhere to this legal aspect and avoids concluding a rental agreement in every possible way, then it is worth doubting his cleanliness and thinking about his selfish intentions.

Rule five. After you have paid the monthly payment for the rented housing, you become its full owner for exactly one month. This gives you the opportunity not only to feel at home, but also to stop persistent and regular visits from the owners of the apartment with or without reason. It is advisable that they do not appear when you are at the university, much less control your behavior and daily routine. Of course, we should not forget about moral values ​​and mutual respect, but it is also not recommended to give in to another inappropriate visit.

Rule six. Despite the fact that the housing is temporary, it is important to learn to coexist peacefully with neighbors and avoid any conflicts in every possible way. You should not show them your disdainful attitude, otherwise at the most inopportune moment you may end up in an unfavorable position. In addition, neighbors may complain to the owners about their careless tenants, and even then problems will definitely not be avoided.

Otherwise, students certainly shouldn’t have any problems with rented housing. So you should adhere to these rules so that the final choice only pleases you, and your feet carry you HOME after a hard day at school.

Housing program for students in the south of Russia

• an individual approach to clients (that is, depending on the buyer’s monetary income and solvency, a number of discounts and special conditions suitable for him will be offered for his consideration);
• the cost per square meter of purchased living space will be cheaper than usual by about 2,000 rubles;
• reduction in the size of the down payment (total 10,000 thousand rubles) and the interest rate on the mortgage loan (8.9% per annum);
• the ability to reserve the selected apartment in the presence of an incomplete payment amount.

In July of this year, in the south of Russia, namely in the Krasnodar Territory and the Rostov Region (the city of Novorossiysk, Krasnodar, Anapa, Sochi, Rostov-Don, etc.), a target program called “Apartment for a student” came into force. It will be valid not only for university students, but also for families in which there is a full-time/part-time student, applicant, graduate student or high school student planning to receive secondary specialized or higher education in their hometown.

“Student” time on the rental market: is it worth renting out an apartment to students?

New buildings

• Balashikha 67
• Domodedovo 35
• Mytishchi 45

• Reutov 23
• Krasnogorsk 67
• Khimki 88

• Kashirskoye 84
• Kyiv 80
• Gorkovskoe 50

• Dmitrovskoe 123
• Yaroslavskoe 214
• Pyatnitskoye 29

The number of students who want to study in another city, as far as possible from their parents, is constantly growing. Independence, although illusory, is now held in high esteem. Landlords, on the one hand, are happy about this trend: the higher the demand, the more expensive the apartment can be rented out. On the other hand, students are not the best tenants. In the end, a new sofa, an expensive washing machine and grandmother’s favorite chandelier can be irrevocably damaged.

Every year a large number of students come to the capital and other large cities of Russia. Due to certain circumstances, not all of them are accommodated in dormitories. From mid-July to September and from early January to February, the lion's share of potential tenants consists of this category of people.

Students are a specific group of potential tenants. They should not be avoided, but still some caution will not be superfluous.

Reasons to rent housing to students

Such tenants are completely picky about repairs and equipment of the apartment. For them, the more important aspect is the close location to the place of study, the low cost of housing and the availability of a basic set of necessary furniture and equipment. Even if the repairs were done ten to fifteen years ago, it will not be critical for them. Married couples or single working people want comfort, so they certainly won’t go for the “grandmother’s option.”

Timely rent payments mostly come from parents and not from the students themselves. Parents often pay several months in advance.

Many students are reasonable, smart people who easily make contact and accept the terms of their landlords. You can come to them two or three times a month to check (or even more often), they won’t even say a word to you. The older contingent will consider such control an interference in their personal life, and the tenants will either move out or demand to appear in the rented apartment less often.

A multi-room apartment can be rented room by room. The easiest way to implement such a scheme is with students, and the income will be greater. For example, you have a three-room apartment, which you can rent out entirely for 35 thousand rubles per month. At the same time, you can ask for 20 thousand rubles for a large room, 15 for small ones. In total, fifteen thousand rubles a month more.

Many visiting students value their place at the university and housing, which is paid for by their parents. Therefore, cases of destruction in a rented apartment are quite rare.

But remember that it is better to conclude an agreement with the students’ parents/guardians. The document must specify the rules of residence and penalties for violating them. This will discipline young tenants.

Disadvantages of renting housing to students

Students have plenty to choose from and there is no shortage of apartments, which indicates high competition among landlords. This means that it is unlikely that it will be possible to increase the cost of rent, because there is a risk of losing your tenants.

Students rarely live alone. Renting with a friend is more fun, and paying rent is less expensive. But keep in mind that the more people live in a living space, the more often you will have to make repairs, especially in the kitchen and bathroom, and change the flooring. To cover all these expenses, you will need to set aside a certain percentage of the payment.

Students often go on vacation, and the apartment will be idle during this time. This point is also worth considering carefully.