The price per square meter, albeit slowly, but continues to grow, and its own separate apartment is a dream for many. But the step toward its housing can be a room. Rooms are buying when you do not have enough money for a separate apartment, when you need to "catch" and sign up in Moscow, when traveling, and property division. Finally, the room "take" even with the investment sight: in the hope of demolition and relocation of a separate apartment. And if a room is not enough money? You can try to take credit. When the reporter online magazine about the property Metrinfo trying to figure out the banks and loan brokers, under what conditions it is possible to buy a room in a communal apartment, many greeted the question with obvious surprise. Even categorically stated that no bank will issue a mortgage for a "defective" area - a room or share. Thus, the client is invited to take an ordinary consumer credit by a large percentage (up to 26% per year) and for a short time, and need to find a bank that provides consumer loans to more than $ 1 million rubles. For such a sum can be purchased only room in the Moscow region, in the "dead" or "scorched" apartment. And then, if you are very lucky. Of course, there is another option - take a consumer loan secured by existing housing. (See our article "Consumer loan secured by housing. It is tempting, but risky.") Such a loan is also called improper mortgage, it looks like his brother - Mortgage Trust, only the data on credit money can be spent at their discretion. The purpose loans can get a decent amount, but interest will be higher than the "classic" mortgage (although lower than the consumer). True, the terms "wages" shorter than the target mortgage. But then the catch: to buy a room, it is necessary to lay flat. The circle is closed. Incidentally, some of our interlocutors, advised us to take loans, genuinely surprised: "What is it in Moscow, there are still communal? They also were settled long ago! ". Certainly not! Communal in Moscow was, is and will be. And it is in modern capital they have their own characteristics. What kind of parameters in a communal? As the head of the Training Center Real Estate Agency "Arc de Triomphe" Roman lawyer Vikhlyantsev, modern Moscow communal apartment in real estate jargon, are divided into "old" and "new." "Old" - this is a communal Soviet times, which for some reason not yet accommodated. The "new" communal - the apartments, which originally belonged to several owners, and then one of the owners sold part of his estate - a room or rooms. Alas, the most attractive "old" communal resettled ten years ago, in the late nineties. These flats are located in good areas, many of them - in the historical center, in the homes of pre-revolutionary or "Stalinist" buildings. Ten or fifteen years ago such habitation in Moscow was considered one of the best, flat business class. In the settlement of the "old" communal apartment owner in each room received by the panel "odnushke" or "kopeck piece" in other areas, but still remained money in real estate commissions. If the "old" communal survived to this day, so not all of it okay. Or apartment, which is located in a room, not too liquid "thanks" to an uncomfortable layout, the first and last floor, view from the windows on the highway or a small little factory brick, or there are legal reasons that complicate the resettlement. For example, one of the neighbors declared missing, is registered with the psycho-neurological dispensary, etc. stubborn grandmother who in any well not wish to change the housing even for the best, also occur. And the neighborhood with such an old lady - not the worst option. The "new" communal are usually due to conflicts between the owners. Most often, the owner sells his share of "on the side", wanting to spoil things for other relative or former spouse. In cases where an apartment in a good share heirs, it is usually sold whole. Thus, the risk of getting a room in addition to the problematic neighbors is always present. As for the price of utility meters, they will recall tricky subject to market laws. Although the whole room is cheaper than a separate apartment, but every inch of it can be expensive. Such is the fate of "cheap" and small in area facilities. In June 2008 the Academy "Triumphal Arch" selling room area of 15 square meters. m could easily be sold for $ 80,000 - $ 90,000. That is for the "square" to pay about $ 6,000. Note that the apartment was located even in a nice house, but not in the center. A room in a communal apartment in the Central District in general can not cost less than odnushka in a given area, and it happens more than one bedroom apartment in the suburbs. (On this subject, see also our article "Rooms: The most affordable housing in Moscow") to revive the communal Mortgage? Still, special credits for the purchase of a room in a communal apartment there. Let the service demand is extremely small, these customers with brokers and realtors are not more than 5% - it is, but once there is demand, there was a supply. At the moment, the mortgage loan to buy a room in a communal provide "Swedbank" and "Rosbank", said the head of mortgage real estate trends, "The Power" Victoria Naymushina. And in "Swedbank" in the credit can only be bought in the last room of the two-, three-or multi-room apartment. All other rooms have been owned by the borrower or his family. Bank is ready to issue a credit of $ 25 000, but requires no collateral acquired by the room, and the whole apartment. "Rosbank" ready to give a loan to buy the room, and it will be a mortgage loan collateral. That is to guarantee the bank will already existing housing - apartment liquidity or vacation home. Almost the same collateral credit is and the "Swedbank". Summary That is, once again repeated the story: to buy a room, you must already own property, which will go to bail. Given that such conditions can not be called great, we can say that the mortgage programs for purchase of the room, not only does not get more - their number is decreasing. While preparing this material, two banks - Nomos-Bank and Moscommertsbank - rejected such programs because of their irrelevance, but also because they were not bank too profitable. After all, the borrower had to go to the bank all the standard procedures, and the loan amount is not too large. Game worth the candle not worth, that is such a hassle. So the revival of communal capital is clearly no danger - the banks are guided by the old slogan of the Communists - "Every family should live in a separate apartment."
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