How many apartments can one person own in Russia?

How to save for an apartment with a salary of 30,000 rubles?

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For example, let’s take the average salary in Russia – 30 thousand rubles. Naturally, many people in Moscow earn more, but the question is not that, but how you can save up for your own apartment without paying huge sums for rent every month.

It is not easy to save the required amount of money for this with a given salary. The mortgage option is not suitable for everyone, especially since you will end up paying twice as much.

Let's take the accumulation option and give calculations in this case. If you receive 30 thousand rubles every month, you will save half of this money each time. What will the expenses be?

• food products – 10 thousand rubles;
• utilities, leisure, gasoline - 5 thousand.

If the cost of an apartment is 1.5 million rubles (one-room in Moscow, a suburb, on the outskirts in a new building), then every month you will need to save 7322.6 rubles, giving them to the bank at an interest rate of 10 percent. At the same time, you will have about 7,500 rubles left for other expenses. As a result, you will accumulate the required amount in 10 years; if you accumulate 15 thousand monthly, then you will have enough money for an apartment in 6 years.

But keep these points in mind:

• during this time the apartment will become more expensive;
• money may become worthless;
• If you have children or someone in the family gets sick, the risks will be higher.

If you don’t want to take risks, take a closer look at the mortgage option.

How many apartments can you own without increasing taxes?

Coordination of redevelopment in the BTI After the BTI survey, did you receive a floor plan in red lines? In this case, it is necessary to legalize the previously completed redevelopment. That is, a residence agreement between the owner of the apartment and the person who will temporarily live in it, without transferring ownership of this apartment. Can 1 person own 2 apartments? That is, in principle, your mother-in-law can have one, two or three.

If the first apartment was acquired by your mother-in-law under a privatization agreement, then she will no longer have the right to participate in the privatization of the second (at the place of registration), because The law gives the right to purchase residential premises free of charge only once (privatize). I hope I answered your question. Sincerely Lukyanenko O.S.

We invite you to familiarize yourself with: The taxpayer’s right to familiarize himself with tax audit materials

The current state of the Russian real estate market

The cost of residential properties increases every year - this fact must be taken into account. The most expensive housing is in Moscow and St. Petersburg.

In some developing regions, prices have also increased significantly in recent years, especially in resort cities such as Sochi, Krasnodar, and Anapa.

In Russia, the average price of a one-room apartment is more than 1,700,000 rubles.

In Moscow

Since real estate prices are very high in the Russian capital, it will only take many years to save up for an apartment with a salary of 30,000.

In order to speed up the process, you should increase your income by any possible means.

The cheapest apartments can be purchased at a price of 99,000 - 125,000 rubles per square meter in areas such as Biryulyovo, Vykhino, Teply Stan, Novokosino.

To buy real estate on the outskirts of the city, people with a salary of 30,000 rubles will have to save money for several years.

The highest growth in real estate in 2020 is observed in Moscow districts such as Central, South-Western and South-Eastern.

St. Petersburg is only the second capital of the country, but real estate prices are quite high, especially in the central regions.

And even if you reduce expenses, in order to buy an apartment you will have to think about additional ways to earn money, since salaries in St. Petersburg are small compared to Moscow.

Real estate located in the old, central part of the city and in historical buildings are especially expensive.

Some apartments in St. Petersburg have preserved stucco decoration, spiral staircases, and ancient mosaics.

The presence of such decorative elements can help raise the price of an apartment to 7 - 10 million rubles, even if it has only one or two rooms.

In the central area, for example, on Liteiny Prospekt, the price of a 6-room apartment is 15,200,000 rubles.

When purchasing, you need to know that real estate located in the center often has high prices due to the fact that the apartment includes several rooms at once - from three to seven.

Finding a one-room apartment in an old building in the central part of St. Petersburg is almost impossible.

In new buildings the situation is different. You can buy an apartment in a building under construction near the Devyatkino, Kupchino, Mezhdunarodnaya metro stations for about 1.5 - 1.9 million for a one-room apartment.

In ready-made properties with minimal renovation, an apartment will cost about 2,000,000 rubles.

Other cities

In recent years, prices for real estate in the city of Sochi have increased significantly. The figure for 1 square meter is 98,000 rubles.

The cheapest apartments in Russia at a price of less than 30,000 rubles per sq. m. meter can be bought in Orsk, Prokopyevsk, Bratsk and for some houses in Magnitorsk.

The average cost of housing on the secondary market in Moscow, according to INCOM-Real Estate analysts, is 186 thousand rubles per sq. m. m. This figure varies depending on the number of rooms: 182.3 thousand rubles per sq. m. m – in a one-room apartment, 179.1 thousand rubles per sq. m. m. in a two-room apartment, 179.3 thousand rubles per sq. m. m in a three-room apartment. For square meters in more spacious apartments you will have to pay 293.6 thousand rubles per sq. m. m.

How much does housing cost in Moscow?

Moreover, according to the latest published data from Rosstat, the average salary in the capital is 54,672.5 rubles. But you can’t save your entire salary. According to surveys, Muscovites spend 38.6% on the purchase of non-food products alone.

It turns out that even with exceptional frugality, constant employment and a stable economy, a person will be able to rejoice in buying a standard one-room apartment with an area of ​​38 square meters. m in no less than 27 years.

The Russian Federation has long been confidently among the top ten countries with the highest prices for residential real estate. For example, according to the results of a 2010 study of the global real estate market by Evans Property Services, Russia ranked fifth out of forty countries analyzed in terms of cost per square meter relative to wages in the region.

But time passes, and prices change, and salaries also do not remain unchanged. Recently, IQR magazine wrote about the prospects for the Moscow real estate market in 2020. If we take current prices and salaries, then one person needs to save their entire salary for an apartment for about 11 years in Moscow and 6 years in the regions (since prices and salaries are different everywhere, there may be a slight deviation from this figure). There seems to be progress. Let's move on to absolute numbers.

Beautiful sunset

If you open advertisements for the sale of real estate in Moscow, you will not be able to find amounts containing less than six zeros. For clarity, let’s look at the approximate minimum housing prices.

Moscow. To become the owner of a small one-room apartment on the outskirts, you will have to pay at least 4,500,000 rubles. In New Moscow you can find something cheaper, but in terms of infrastructure it’s not Moscow at all. At the same time, an apartment at that price will definitely have to undergo renovations, and major repairs at that - apartments in residential condition will cost you much more. If you want to buy a one-room apartment closer to the center (depending on the area), count on at least 6,000,000 rubles.

Saint Petersburg. Housing here, compared to the capital, is much cheaper - if you wish, you can buy a small one-room apartment far from the center for about 1,500,000 rubles.

In other cities of the country, the cost of housing varies, somewhere - half a million rubles for a one-room apartment, and somewhere - two and a half. On average, the minimum level fluctuates around 900,000 rubles.

With such a salary, it’s time to beg.
But the level of our salaries for the most part seems even ridiculous if you compare it with the cost of real estate. A young man in Moscow working in a more or less decent position can earn on average about 50,000 rubles. In general, for the capital of Russia, calculating the average salary is not an easy task.

In other cities the situation is, naturally, worse. For example, in St. Petersburg at the initial stage of your career Business career - patience, work, the will to win, you should hardly count on an amount higher than 35,000 rubles (unless you are a unique specialist in a certain field), and it is not a fact that even after In a few years you will overcome this level. In regional capitals, the average salary drops even lower - a young man can count on approximately 25,000 rubles.

To summarize, we can calculate how many years it will take a young family of two to buy a one-room apartment (taking into account the minimum housing price and the average salary).

For regional cities, the situation is approximately the same: 40,000 (approximate family income) – 30,000 (living expenses) = 10,000 rubles in the balance. Per year – 120,000 rubles. We divide 900,000 by 240,000 and get the same 7.5 years.

However, these are only approximate calculations, in which the family has a stable and good income and spends money only on the essentials. Naturally, this period actually increases significantly - many people save for housing for 10 or even 20 years. In order to significantly reduce this period, let's consider several ways that can positively affect your financial situation and help you save up for an apartment faster. The same tips will be relevant for other cases - for example, if you are wondering how to save for a car or to open your own business.

Beautiful five-story building

Alternative methods of saving and purchasing housing

People who receive a salary of 30,000 rubles and have the opportunity to save at least 10,000 rubles monthly can save up for an apartment in 9–10 years if they do not attract additional sources of income.

You can speed up the process and collect the required amount in 4–5 years if you invest money and make a profit, increase your income, and save on almost everything.

The advantage is that you do not have to overpay a large amount of money to the bank, as happens when applying for a mortgage.

Is it possible to save up for an apartment in Moscow or another big city without limiting your spending and without having to accumulate savings for many years?

Many people say yes. And here are some valuable tips they give:

• invest money in your education, the acquired skills and abilities, you can use to make a profit;
• do not use risky tools to make quick money like Forex and stock trading. If you don't understand them, you just might lose your money, most people who invest in it lose big;
• The best way to save money is a bank deposit. Investments are best made during a crisis with high rates;
• carefully monitor your expenses and spend money wisely, take advantage of discounts, pay attention to promotions, install meters for utilities;
• It is better not to take out consumer loans and not to become a creditor yourself, and also do not become a loan guarantor;
• try to open your own project based on your hobby, the income will be small, but it can be used for subsequent investments;
• don't use credit cards, spend as much money as you earn, otherwise you'll never be able to save up for an apartment.

To always be aware of exactly how much money you were able to save over a certain period of time, and how much more is required to buy an apartment, you can use different tools:

• savings calculators;
• phone applications;
• regular notepads.

In your notes, you will note how much more you need to save to achieve your goal. Mobile applications in this regard are made in such a way that you will receive alerts every day, and you will also be able to calculate your income and expenses yourself, without resorting to complex mathematical expenses in your head.

And if you prefer to use a notepad the old-fashioned way, then the numbers and all the data should be distributed so that you clearly understand where you spend your money and how you earn it. Information needs to be updated every day; do not neglect even the smallest expenses and income in your budget.

If you probably don’t know how much you need to save for an apartment based on your income, you can also use special savings calculators for this, which will help you calculate the approximate amount of monthly savings provided that you want to buy in a certain number of years.

There are also special deposit calculators for mobile phones if you plan to save through bank investments. When calculating, consider:

• if there is no initial amount for the contribution, you must enter a zero value;
• The calculation is carried out without taking into account weekends and taxes. With real deposits, income will be lower;
• Such calculations are performed for deposits with capitalization of investments.

Similar calculators are developed for different mobile platforms; if you take the application for Android, it will have the following features:

• the calculator is suitable for calculating deposits of different Russian banks;
• calculations take into account the refinancing rate and taxes;
• you can set deposits or withdrawals;
• there is an opportunity to see the level of income today;
• You can take into account several deposits at the same time and calculate the total amount of money.

The online housing savings calculator contains the following items:

• desired amount of savings;
• interest rate on deposit;
• accumulation period;
• capitalization of the deposit;
• first installment;
• replenishment amount and income from the first amount;
• number of refills;
• income from them.

Of course, even with calculators, not everyone can quickly accumulate the required amount. Especially when it comes to an apartment in Moscow. There are several ways you can save big on purchasing a home. Let's look at them.

There is a progressive way to save money for housing. So, in this case, you can save a small amount and use it to buy an apartment or room in a hostel on the outskirts of the city or suburb, where the cost is lower than in the city. You can live there, or rent out this property. Over time, it can be changed with an additional payment for housing with better conditions, and so on gradually until you acquire an option that is comfortable for you.

Another method of purchasing an apartment at a favorable price is to join a cooperative, where apartments are bought together. The principle here is the following: the group has an administrator who collects funds from shareholders every month, and each of them in turn, in order of who invests more, buys a home. Cooperatives used to be very common, however, now few people risk investing due to the large number of scams.

There are also social programs for the purchase of affordable housing. They are intended for public sector workers, for example, teachers or doctors, as well as benefit groups (large or young families). Getting an apartment under such a program is difficult, but possible.

Also, if the issue of living in Moscow itself is not fundamental for you, then in the same Moscow region you can buy not an apartment, but a house. And it will be even cheaper to buy land and then build a house yourself. It will be easier to save money for construction than for an apartment, especially since it will be done in stages. The size of the investment will depend on factors such as:

• land price;
• plot size;
• cost of building materials.

Of course, it will take a long time to save for your own apartment in Moscow with a modest salary. However, you can bring this event closer by managing your money wisely and finding ways to generate additional income.

Average salary in the state

For 2020, the average salary of Russians is about 36,000 rubles.

According to Rosstat, the highest wages - more than 50,000 rubles in Russia - are received by people employed in the following areas:

1. Mining.
2. Fishing.
3. Financial activities.
4. Fuel energy.

Salaries of less than 50,000 rubles are received by citizens working in the following industries:

• construction.
• manufacturing industries.
• medicine.
• trade.
• education.
• restaurant and hotel business.
• Agriculture.

By region, the highest wages were recorded among citizens living in Moscow, St. Petersburg, the Ural and Far Eastern districts.

Is it possible to do without a mortgage?

You can save the required amount to buy an apartment without taking out a mortgage. This is quite realistic, provided that a person increases his income, develops and stores money correctly.

There is no need to keep the accumulated funds “at home under the pillow”, as they quickly depreciate. They need to be used to generate even greater profits.

The simplest option is to open a savings account in a large and reliable Russian bank.

Everyone wants to have their own apartment, but not everyone can save the required amount even to apply for a mortgage and pay a down payment.

In order to save a large part of your salary every month, you need a huge will and desire to acquire your own real estate, and then it will become quite real.

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• All cases are very individual and depend on many factors. Basic information does not guarantee a solution to your specific problems.

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Naturally, when you take out a mortgage for an apartment, you will end up overpaying a large amount of money, but you will be able to immediately move into your own apartment.

Another question is whether the bank will give you a loan of one and a half million with an official salary of 30 thousand. To determine how much you can be given, use an online loan calculator.

A mortgage can be beneficial if you have enough money for a down payment. The interest that the bank will charge will depend on it. Naturally, the less funds there are for the down payment, the higher the risks for the bank will be, so the rate will be very high. The minimum down payment is fifteen percent of the cost of the apartment and higher.

The required amount must be paid every month. For many, this is acceptable since the rent is sometimes not less, but here you are the owner and when the lease expires you will need to leave the property.

But there are a number of risks: you can get sick or lose your job, and as a result, all the money invested in real estate will be lost and it will be taken away from you for debts.

The overpayment for a mortgage depends on the term of payments. The longer the period, the greater it will be. Also, many people prefer to save up for an apartment right away, so as not to be afraid of losing their mortgaged housing later.

StockPhotoPro/Fotolia

In December 2020, the State Duma, in the third reading, adopted a law on a gradual increase in the minimum wage (minimum wage) to 9,489 rubles per month. The law came into force at the sound of the chimes on January 1, 2020. Of course, if the income is really that high, then you can only count on subsidies for the purchase of real estate or social housing. Any family with such an income can barely make ends meet, and there is no talk of savings.

The legislative framework

Article 30 and Article 70 of the Housing Code of the Russian Federation. The articles explain the rights of owners (Article 30) and tenants (Article 70) to register other citizens in the territory of residential premises with the consent of their family members.

The Law “On the right of citizens of the Russian Federation to freedom of movement, choice of place of stay and residence” provides the basic concepts that characterize registration at the place of residence and place of stay, as well as deregistration. This law establishes the terms for organizing the registration of temporary registration.

Decree of the Russian Federation No. 713 of July 17, 1995. regulates the rules of registration and deregistration at the place of stay and place of residence.

What can you give up without harming your family?

When accumulating funds for an apartment, you need to take into account that there are things that you will have to buy - food, hygiene products, clothing.

It will take about five or even seven years to save for an apartment. It is important to create a specific pattern of spending and earning money that you can stick to for a long time.

What types of registration are there?

There are two types of registration:

• Permanent (at place of residence);
• Temporary (at the place of stay).

Permanent registration is characterized by the fact that a person stays at this address most of the time. If he decides to change his place of permanent residence, he must go to the Federal Migration Service within a week and register at the place of his new residence. For this purpose, he will need a passport, an application and a departure document.

Temporary registration requires a person to remain in this territory for no more than 90 days. Temporary accommodation points are hotels, holiday homes, and rented apartments.