Every second article in the press, devoted to problems of land, can not do without the famous quote from Mark Twain: 'Buy land, it's a product that no longer produce. " In Russia today, the land we have a lot, and it is believed by many experts, is undervalued. However, liquidity earth quite rapidly in price. How to be a consumer: to save money on site, trying to outsmart inflation or take a few so far that offers banks lending? Their views on how to develop a mortgage on the country market, with online real estate magazine Metrinfo shared head of the Committee on suburban property RGR Valery Lukin, a marketer, an analyst with Terra-estate Natalia Kuzovnikova and CEO of Metropolitan Mortgage Agency Larisa Bryksa. In Russia, the land lot, but the liquid - a little, as we have noticed in the beginning, until the bank offers a little bit, but the demand for land there, and banks have targeted pawn loans specifically for the purchase of land and building houses. For example, a bank Agroimpuls, Agropromcredit, RosEvroBank, Zenith, the Renaissance. For example, we have found more than three dozen proposals only Moscow banks. Most likely, there are many more. Collateral for these loans can be either purchased and available in real estate property (land + house or city apartment), or only available in the ownership of property (an existing plot or a flat / house), or only acquired real estate (land and buildings on it .) Banks, of course, interested in only the liquidity as collateral property. On requirements for collateral in the form of city apartments and country houses, we have already mentioned, and therefore send you to one of the articles on this topic - "As from one apartment to make two." About the sites say separately. What is the liquid part of Representations on the liquidity of land developed more recently, in general terms, they look like this: - the site should be located on land authorized for use by individual housing (as an option - the land of settlements). The plot of agricultural land is quoted much less, since it is impossible to build a house for residence and registration; - preference is given to land located in an organized cottage - it is desirable that a section should be summed up the necessary communications - the site should be transport available at any time of year. At a minimum, it should lead to a convenient asphalt or concrete road. Well-developed infrastructure and the ability to easily reach their own area of public transport is welcomed - land must be in ecologically favorable district. Availability of nearby woods, the pond. The proximity of the production, disposal sites or cemeteries can negate all the advantages of the site - has a characteristic value of soil and soil (no waterlogging, the proximity of ground water, etc) - the site should be free from all sorts of encumbrances. Build now or later? There are already banks pioneers who dared to enter a credit program for the purchase of land, designed for those who plan to buy land now, and start building a few years. For example, a "Credit for the purchase of the land" offers Raiffeisenbank loan "Shelter from the ground - the earth" - HCFB, a loan to "Land" - a program of bank "Revival". A feature of these loans is relatively high initial fee - not less than 30% of the value of the land, and more - not less than 50%. Set the lower limit value of the land - usually the bank requires that the price of the loan was not less than $ 20,000 - $ 40,000. The cheapest deals unprofitable banks, in such cases it is better to take the ordinary consumer or untied loan collateral. However, keep in mind that, in principle, developers are not interested in selling the land without the most liquidity of the structure. This is the main problem customers who buy plots of land with an investment purpose or for the construction of a few years. Of course there are special offers of land without a contract in an organized cottage settlements. (Learn more in our article "What is it tasty piece of land?") But even in this case, there are rules that require property owners to complete the construction of a certain period, so as not to disturb the neighbors. Land without a contract may buy in the village, built up at random, but real estate in this village is about two times cheaper than in the village, built on an individual project. But for the "bespodryadchikov" has also appeared special programs: Sberbank and VTB 24 - make loans for the purchase of land and separate tranches - the construction of individual houses. And, unlike his colleagues, these banks have already begun to expand into regions - currently lend suburban building in Tula region. And yet it moves. And the more expensive price weave as opposed to price per square meter, can differ by tens of times. Of course, the greatest impact on the value of the distance from Moscow and direction. Considered the most prestigious areas of west and north-west, the least - the east and southeast. At the same kilometer land area and may be different. This is connected with all the ins and outs of each specific site, and prices may differ even within one organized by the village. For example, - a site adjacent to the forest or water body and the area around power lines or vkzdnyh gates differ significantly in price. Today, developers are in the same village and try to create a VIP-zone, and a more affordable proposition. By tradition, the champion of the value of a weave Ruble. The price of land in organized cottage settlements without a contract here range from $ 40 to 350 thousand at the New Riga weaving costs from $ 15 up to 150 thousand, an average of - $ 30 - 50 th, at the Simferopol highway - from $ 4.5 to 23.5 thousand. On the other hand, the value of one hundred square meters at the far suburbs may not exceed a few hundred dollars. And the price for illiquid areas, even those located in the prestigious areas near Moscow, and can not grow. Customers will frighten off all kinds of burdens, lack of access to transport, failure location. But in any case, more or less liquid earth in our time is a very profitable means of investment. Rising prices for liquid parts of the order of 30 - 40% per year. Especially "sweet" pieces may show growth and 50-60% per year. But promising areas where prices are still "divine", is fast gaining popularity. Summary Now try to answer the main question - to save money on the ground or to borrow? This, of course, the liquid parts. We remind you one of the basic rules for the borrower, retired to our magazine: In order to market overlaps the overpayment on your mortgage, it is enough to grow on average by 3-5% per year. This is even below the current rate of inflation! If market growth is moderate - 10% -20% per year, the benefit to the borrower is obvious. (Details in the article "Flat on credit: how to turn a profit?") Our liquidity increases in the price of land is faster - up to 30% per year. Suppose, now site is worth $ 100 thousand. After two years, with growth 30% a year he will be worth 169 000. Round for good measure - 170 000. You now have the required amount for down payment - 30 thousand dollars. Whether to take on credit 70 000? If you plan to do away with the credit for these two years, together with the interest you pay the bank about 80 000 and "overpay" for about 10 thousand dollars. In general, you will spend 110 thousand dollars. But as we have already considered - land at that time went up and began to cost about 170 thousand dollars. So you win by about 60 thousand dollars. And beat inflation and money invested. Yet another example. Assume growth rate of 30% will remain for another year. This means that our site in three years that cost nearly 220 thousand dollars. And we say, have the same loan, but at 5 years. As a result, we will have to return the bank about 93 thousand dollars. "Overpayment" - 23 000. Do not feel sorry about it! Our more than twice the appreciated land long ago - in the first three years with interest repulsed all mortgage costs. But to save money, outpacing the rise in prices in the land market can only be playing a very risky financial games, without any guarantees. So here we're not counselors.
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