GdeEtoDom.RU turned to a professional to destroy existing myths in the apartment market. Read on to learn about the advantages and disadvantages of apartments and whether they are worth buying.
Myths about apartments
From the point of view of professional realtor Natalya Shirokova, who has been working in the real estate market for more than 9 years, the main difference between apartments and apartments is as follows. - this is a non-residential premises in which there is a room or rooms equipped for living, a kitchen, a bathroom and other amenities. The expert explained the advantages and disadvantages of apartments using specific examples.
For comparison, two pairs of apartments were selected. The first pair is located next door to an ordinary residential building on Yaroslavskoye Shosse and a multifunctional residential complex with apartments next to the Losiny Ostrov park, the second pair is located next to the Vodny Stadium metro station, in which the developer offers both apartments and apartments.
Myth 1. Apartments are cheaper than apartments
Let's compare the cost of apartments in the Vodny mixed-use complex and on Yaroslavskoye Shosse.
Indeed, the apartments are not just cheaper, but significantly cheaper than similar apartments. in the neighboring house the apartments are 36% more expensive. In the Vodny complex the difference was 20%.
If you make a selection of apartments for 8 million rubles. in the area of apartments on Yaroslavskoye Highway, we see that for the same money you can buy:
- 2-room apartment
- and even a 3-room apartment
Thus, the myth is confirmed.
Myth 2. High taxes on apartments
Indeed, the tax itself is 5 times higher. For residential premises - 0.1%, but for apartments - already 0.5% of the tax base. It should be borne in mind that taxes are calculated based on the cadastral value of real estate, which is significantly lower for apartments.
The calculation using the example of apartments and apartments on Yaroslavskoye Highway looks like this:
In addition, the tax base for an apartment can be reduced due to the applicable tax deduction in the amount of 20 square meters. m of total apartment area for each apartment owner. However, the tax deduction does not apply to apartments.
Thus, tax payments for apartments are higher by at least 14,662 rubles/year.
The difference between the apartment being compared and the apartment upon purchase is RUB 2,900,000. Dividing this difference (2,900,000) by the “overpayment” in taxes of 14,662.67 rubles/year, we get 197 years.
The buyer who purchased the apartments paid 2.9 million rubles for them. less than for an apartment in a neighboring building, and paying taxes of 14,662.67 rubles. more will save for 197 years.
Myth confirmed: the tax rate is higher, but the savings are greater.
Myth 3. There is no tax deduction available for apartments upon purchase.
Tax deduction is provided:
- to, apartments, rooms, or share(s) in them in a finished house, or rights to an apartment, room or share(s) in them in a house under construction;
- for the purchase of construction and finishing materials;
- for work related to the finishing of an apartment, room or share(s) in them, as well as the costs of developing design and estimate documentation for finishing work;
- for construction work (completion of a residential building or share(s) in it, unfinished construction) and finishing;
- for connection to electricity, water and gas supply and sewerage networks or the creation of autonomous sources of electricity, water and gas supply and sewerage.
There is no tax deduction available for apartments.
Here one more point needs to be taken into account: only citizens of the Russian Federation who are personal income tax payers can take advantage of the tax deduction. For example, individual entrepreneurs working under a simplified taxation system will not be able to use it even in the case of...
Myth confirmed.
Myth 3. Apartments are built on industrial lands “impregnated” with heavy metals
All apartments can be divided into:
- Apartments in reconstructed buildings of factories and manufactories. For example, “The Loft Club” at 17 Dukhovsky Lane was erected on the site of the Tannery Factory of 1869, all buildings were built anew. Loft quarter "Danilovskaya Manufactory" - reconstruction of the building of a former textile factory that operated in the 19th century, where some buildings had bleaching workshops. How dangerous such lands are is up to the buyer to decide.
- Apartments in new buildings - MIBC "Moscow City", MFC "Vodny", etc. New complexes are being built next to residential buildings, on the same lands.
The myth has been destroyed; not all apartments are located on industrial land.
Myth 4. It is impossible to register in the apartments
Temporary registration is possible for apartments if the building in which they are located has the status of a hotel or apart-hotel, i.e. the certificate of ownership must contain the entry “non-residential hotel-type premises” or “hotel-type apartments”. This opportunity is provided, for example, by the Moscow City International Business Center and the Vodny Multifunctional Complex.
With temporary registration, you can enroll your child in a kindergarten or school, or be assigned to a clinic.
The myth is dispelled.
Myth 5. Large utility bills
Many people think that the difference in utility bills between an apartment and an apartment is 2-3 times greater.
Utility bills for apartments compared to apartments are indeed 20% higher. For example, for a 2-room apartment on Yaroslavskoye Shosse, 124, the owner pays 4,500-5,000 rubles per month, and for an apartment in a neighboring house - 6,000 rubles.
There is a difference, but it is insignificant.
Myth confirmed.
Myth 6. Banks do not provide mortgages for apartments
Indeed, banks have very different approaches to apartment lending. Sberbank and Rosselkhozbank are currently not lending to apartments, but VTB 24, Bank of Moscow and Delta Credit offer to issue a loan for apartments on the same terms as apartments (12-14%).
The myth is dispelled.
Myth 7. Developers do not build social infrastructure next to the apartment complex
We are talking about schools, kindergartens and clinics. Indeed, the developer is not obliged to build social infrastructure facilities, and, as a rule, does not do this. But many developers, given the high competition in the real estate market, are working on the concepts of their projects and taking into account the needs of future buyers. For example, in (Beregovoy Proezd, building 5) it is planned to build a clinic and a kindergarten. In addition, apartment complexes are often built in areas with established infrastructure that can be used.
The myth has not been confirmed.
Based on the results of the analysis, the specialist advises choosing apartments in the following cases:
- those who already have an apartment in which they can register;
- entrepreneurs who can use the apartment as an office;
- for those who plan;
- young and active people who buy a small area “for starters”, i.e. with the prospect of selling it in 3-5 years and purchasing a larger area.
The residential and commercial real estate market is incredibly vast. When offering housing properties, realtors often call an apartment an apartment. This term becomes a kind of symbol of success, luxury, independence and wealth.
But are these concepts the same - apartment and apartment? Even the most superficial glance will determine that these are completely different things. Let's look at the difference between apartments and apartments. Let us determine how significant these differences are and why these concepts should be clearly distinguished.
What is an apartment?
The following definition is generally accepted. An apartment is a type of separate real estate used both for permanent residence and for rental. It has a separate entrance and is fully adapted for normal life: there are all necessary communications, heating, water supply, sewerage. Apartments are not the same, they differ from each other in their different location in the city, area, type of structure of a residential building, its number of floors and many other parameters. But, despite all the differences, apartments make up one specific segment - residential real estate, or housing stock.
There are enough offers for the sale of apartments on the domestic real estate market: this includes secondary housing. Apartments for sale may be excellently renovated, but are usually not furnished.
Apartments: what is it?
Apartments equipped with modern communications, excellent furniture and located in hotel complexes are called apartments. This is an elite luxury property used for temporary residence of wealthy guests. The main characteristics of such a facility are modern stylish design and full provision of household and technical communications. Accommodation in apartments is possible only on a temporary basis.
In other words, apartments are non-permanent housing, identical to a hotel room. And just like in a classic hotel room, an indispensable attribute of staying in it is full service at a time convenient for guests, including the full range of cleaning work, changing linen, providing parking spaces, specialized security services, and other infrastructure facilities.
This one is very popular in resort areas and metropolitan areas. Wealthy citizens often buy apartments in close proximity to work to save time. Comfortable complexes, so-called apart-hotels, are being built fairly close to the sea or the business center of the city.
The potential buyer is offered various types of apartments, the most common of which are one-bedroom and Western “studio” options, in which the living room is combined with a kitchen. However, the market sells apartments with 2 and 3 bedrooms, as well as multi-level premises. The difference between an apartment and an apartment is that the buyer of an apartment acquires a living space with modern renovation, stylish furniture and built-in appliances.
Legal status of the apartments
In Russian legislation, the concept of “apartment” is not fixed, at the same time, the term “residential premises” is given a fairly broad definition. It is recognized as a separate premises as part of real estate, suitable for permanent residence and complying with established standards of sanitary, technical and other operational rules. The legislation provides for the following types of premises as residential premises: a house or part thereof, an apartment or a share in it, a room. The term “apartment” does not refer to the “residential real estate” segment. In other words, to the question about apartments: what is it, you can answer that it is residential premises in a non-residential building.
Differences between an apartment and an apartment
So, apartments are not related to the housing stock, so they can be created in buildings of any type, for example, office buildings. To be assigned the “apartment” status, belonging to the housing stock is required. In addition, there are differences between these concepts in other planes:
- according to the requirements of the Gosstandart resolution, the area of the apartment should not be less than 40 m2, and the number of rooms should be 2 or more; the presence of a bathroom and a kitchen is considered mandatory;
- Such requirements are not imposed on an apartment, which may have only one room with a much smaller area.
Let's take a closer look at each difference between an apartment and an apartment.
Price
Real estate market experts note that the price of apartments is usually 10-15% lower than the cost of an apartment of a similar type, but operating costs are always higher. This is due to the fact that the cost of utilities for apartment owners is significantly higher than their cost for residential property owners. In particular, heating services are higher by 20-30%, water supply and sanitation - by 12-25%. The presented figures are ambiguous; prices for housing and communal services depend not only on the regional location, but also on the nature of the connection of utilities with the networks of resource supply organizations. For example, if services are provided through intermediaries, then you will have to pay even more for them.
The absence of the concept of “apartments” in residential real estate does not allow their owners to apply for subsidies for utility bills, provided that their total monthly income for the last 6 months does not exceed established standards. Apartment owners cannot take advantage of the benefits regulated by the Housing Code. What is the difference between an apartment and an apartment, besides cost characteristics?
Registration Features
Purchasing an apartment presupposes the possibility of permanent registration at the residential address. It is impossible to register in apartments at your place of residence due to the fact that legally they are not housing.
The question of the possibility of temporary registration in apartments still remains unclear, although there is no direct prohibition on the exercise of such a right by owners of apartments purchased in buildings with the status of an apart-hotel or hotel.
Lack of objects of social significance
When deciding which purchase is more profitable - an apartment or an apartment, you should remember that the developer of such buildings does not bear any obligation to construct social infrastructure facilities. Actually, this factor explains the relative cheapness of apartments - developers of hotel complexes, as a rule, do not build schools, kindergartens and clinics.
Despite the fact that realtors usually do not raise this problem or smooth it over with assurances that apart-hotel developments are carried out in areas with established infrastructure, one should not forget about it. In megacities, the volume of construction and sale of such complexes is very significant, and social facilities not in every district can provide an increase in unregistered users.
The management of Moscow's urban planning department plans to approve construction standards obliging developers to build infrastructure facilities in parallel with the construction of hotel complexes. Most likely, the introduction of such obligations will raise the cost of apartments to the price of apartments.
Permission to redevelop apartments is not required
How are apartments different from apartments? The fact that the need or possibility of redevelopment of these premises is regulated by the general provisions of the Town Planning Code, according to which permission is not required if the proposed changes do not bring about structural changes and do not change the level of reliability and safety of a non-residential building. And if the lack of permits greatly simplifies the reconstruction of apartment premises, then there are many problems in the organizational features of the functioning of such buildings.
Difficulties in managing non-residential buildings and differences in property taxes
According to the Housing Code, the technical premises of an apartment building (attics, basements, etc.) are in shared ownership of the owners of the residential premises. This rule is not provided for apartments. Therefore, the buyer purchasing them must remember that the ownership of the rest of the building and utility networks is with the developer, and he can impose on the owners the services of a management company that is beneficial to him.
In addition, the legislation adopted since 2015 has significantly increased the property tax, the calculation of which will now be carried out on the basis of And if the housing tax rate is 0.1% and quite impressive benefits are applied, then non-residential real estate, which includes apartments, is taxed at a significantly higher rate.
Nature of acquisition
The difference between apartments and apartments also manifests itself for purchasing purposes. The purchase of apartments, as a rule, is of an investment nature, i.e. in most cases they are bought for profit, while the purchase of an apartment has a pronounced social background - accommodation.
If the owner of an apartment registers as an individual entrepreneur and declares income from renting out property, then he does not have the right to tax exemption when selling these premises, even if they have been owned for more than 3 years.
Understanding the differences, it is easier for a potential buyer to decide which room suits him best - an apartment or an apartment. What is best for him and the goals he pursues, only he knows. The status of the purchased property depends on the nature of the acquisition, opportunities, necessity or other conditions. Now, when considering a future purchase, you can clearly imagine how an apartment differs from an apartment.
Not long ago, a new housing segment called apartments appeared on the domestic real estate market. This concept came to us from Europe, where apartments are called hotel-type premises with an area of at least 40 square meters. m. The apartments include 1-2 rooms, a bathroom and a kitchen.
Apartments – what is it?
Since apartments have only existed on the Russian real estate market for a few years, not everyone understands what they are.
So, we can highlight the following characteristics of the apartments:
- A room suitable for living with an area of more than 40 sq. m. m with a kitchen area and a bathroom;
- At the stage of putting the property into operation, the apartments are already equipped with a minimum of furniture, and sometimes household appliances;
- Citizens living in apartments can receive additional services, for example:
- Cleaning the premises;
- Order and delivery of food directly to the apartment;
- Providing parking spaces and security services;
- Taxi ordering.
Apartments are not considered residential premises. The first apartment buildings were built in the Russian capital about 10 years ago. Apartments can be divided into several classes:
- economy option;
- comfort class;
- business level;
- elite objects.
In Western countries, apartments mean hotel-type housing with service.
Order of the Ministry of Culture No. 1488 dated December 3, 2012 interprets apartments as follows - these are two or more living rooms with a total area of at least 40 square meters. m, equipped for temporary residence and located in a hotel, sanatorium and similar institutions.
Thus, formally, apartments are not intended for permanent residence and have a number of significant differences from conventional residential premises. This will be discussed further below.
Meanwhile, more and more apartments are being released onto the real estate market. They are especially popular among residents of megacities. When choosing housing, people evaluate the advantages and disadvantages of this type of real estate.
Disadvantages of the apartments
Since apartments are purchased for living or renting, it is important to know about the disadvantages before making a transaction. The disadvantages include:
- Lack of opportunity to select or re-elect a management company. As a rule, the management of an apartment building is carried out by a management company chosen by the developer;
- Apartment residents are forced to pay utility bills according to the tariff schedule provided for non-residential premises. Accordingly, utility costs will be slightly higher compared to conventional housing. On average, the difference is 2 - 3 thousand rubles in comparison with a residential premises of similar size;
- Higher property tax compared to a standard apartment;
- Inability to obtain permanent registration;
- Restrictions on the choice of mortgage programs in case of purchasing apartments with a mortgage. Today, not all banks are ready to finance the acquisition of such real estate;
- Inability to obtain a tax deduction;
- When constructing apartment buildings, the developer may legally not adhere to a number of requirements that he must fulfill when constructing residential buildings. In particular, apartment residents may not have their own playground for children or a sufficient number of parking spaces.
Those who live in apartments on a permanent basis are most susceptible to shortcomings. People who use apartments as temporary housing or purchase real estate for rental purposes and have other real estate for permanent residence may hardly feel the indicated disadvantages.
Meanwhile, there are also advantages.
Advantages of the apartments
The main and often decisive advantage of real estate located in apartment buildings is its cost. The cost of constructing a building with apartments is lower than a residential building. Accordingly, the cost per square meter is lower. The difference is on average 10-15%.
In addition to the price, the following advantages of the apartments can be highlighted:
- Good location.
For example, luxury and business apartment buildings are being built in the central part of the city. It is precisely such objects that are of interest to those buyers who purchase real estate for investment or to emphasize their own status.
Such properties are of interest to top managers whose families actually live outside the city or in a quieter area, or to companies purchasing housing for their own staff.
- Uniqueness.
Since apartments are not yet sufficiently promoted on the real estate market, each developer strives to make his own project unique and stand out from other properties.
- Proximity of infrastructure facilities and the possibility of obtaining additional services.
Buildings with apartments are built taking into account the requirements for hotel premises; their residents can count on additional services.
What is the difference between an apartment and an apartment?
It is important to understand the difference between a regular living space and an apartment. It consists of the following:
- The apartments have nothing to do with the housing stock and are actually used for residential purposes, and for organizing office space;
- Minimum apartment area – 40 square meters, apartments are much smaller;
- To carry out redevelopment of a residential premises, the owner will have to go through a number of authorities in order to approve the changes. Conducting redevelopment in apartments is less labor-intensive;
- Buying an apartment, the owner and his family members can register in the premises on a permanent basis. Only temporary registration is possible in the apartments;
- Standards and SNiPs for the construction of residential buildings and apartments are somewhat different. In particular, apartment buildings are subject to increased fire safety requirements: buildings are equipped with an additional fire escape. In addition, the construction of a building with apartments is possible on those lands that for some reason are not suitable for residential housing construction;
- Various requirements for the design of the local area. The standards for the construction of residential buildings provide for the mandatory improvement of the area adjacent to the house before the housing is put into operation. This means that children’s walking areas and recreation areas, parking spaces, and green spaces should be organized for residents of the house. Since the building with apartments is a non-residential property, it can be put into operation without the developer performing the full range of the above-mentioned landscaping works. Meanwhile, many developers, in order to increase competitiveness, additionally improve the territory adjacent to the apartment facility;
- The management of residential buildings and apartment buildings is carried out by a specialized company. However, an important difference is that apartment residents cannot re-elect the management company. The payment for utilities in apartments is several thousand rubles higher than the payment in an apartment of equal size. In addition, the costs additionally include the item “building management costs.”
Legal status of the apartments
At the moment, the concept of “apartment” is not fixed at the legislative level. Formally, this is real estate belonging to the non-residential fund. In fact, apartments are residential, less often office premises.
– a new property on the real estate market, some difficulties may arise when purchasing them. A number of developers sell apartments under equity participation agreements.
Buyers of such premises need to remember that in practice the courts consider apartments as non-residential objects - source of investment income. For this reason, in the event of a trial, the law on participation in shared construction (214-FZ) cannot be applied, and it is not easy to return the money allocated for the purchase of apartments.
The main differences between apartments and apartments, the pros and cons of such housing.
The concept of apartments appeared on the domestic market quite recently and this is not luxury housing at all. Now these can be quite simple apartments intended for student accommodation. In this article we will look at the main differences.
What are apartments in real estate?
An apartment is a living space with more than two rooms and a bathroom. These can be either luxurious penthouses or small cozy studios. There are several classes of apartments. The higher the class, the more luxurious the housing. There are luxury apartments, which, in addition to good housing with excellent repairs, have a garage and security.
What is the difference between an apartment and an apartment?
There are actually a lot of differences. Apartments are not initially part of the housing stock and can be built in non-residential premises. Initially, such housing was organized in industrial zones, which is very important for large cities where there is not enough space to build a residential building. In fact, apartments can be built in huge luxury complexes and business centers.
To exaggerate, you can live in a business center on the top floor. This entire floor will consist of apartments. Offices will be located on the lower floors. But in fact, this is not always the case, because such housing can be provided in mini-hotels and separate residential complexes. But there is a huge difference in legal differences and more.
Apartments and apartments - which is better, more profitable: pros and cons
Now the apartment market is quite popular due to the low cost of housing. The low price is due to the fact that the developer has to spend much less money and time on obtaining a building permit. At the same time, much fewer infrastructure-related requirements are imposed on this level of housing.
Advantages of the apartments:
- Low price
- Convenient location in the city center
- Availability of additional benefits (security, parking)
Disadvantages of the apartments:
- Inability to register
- Lack of schools and kindergartens nearby
- Impossibility of obtaining a free place in school or preschool institutions due to lack of registration
- High prices for utilities and premises maintenance
What is the difference between apartments and apartments in new buildings when purchasing?
You must understand that not all apartments are marked for residence in the documents. If the documents clearly indicate that this is a hotel or inn, then you can obtain temporary registration for up to 5 years. If there is no note about the hotel or inn, then, unfortunately, you will not receive the right to register.
Accordingly, you will not be able to enroll your child in the nearest kindergarten or school for free, or get a job or free medical care. The price for such housing is much lower than for apartments, but the quality is much higher. This is a convenient layout and possible additional amenities such as parking, security.
Apartment and apartment: what is the legal difference?
In fact, this is not residential real estate, but commercial. Actually this is the main drawback. There are also a lot of legal subtleties. The main disadvantage is the lack of permanent registration. At the same time, not all apartments offer temporary registration. Also, the developer is not obliged to build schools, gardens and those buildings nearby that need to be erected next to the housing stock.
How to distinguish apartments from apartments when purchasing?
Initially, the developer warns that the sale is of apartments, not housing stock. But still, some sellers try to hide this fact. But the documents always indicate that the premises do not belong to the housing stock. Some developers promise to convert some apartments into residential housing, but this is quite difficult to do.
After all, it is initially necessary that it meets all the requirements for residential premises. That is, there should be kindergartens and schools nearby. Please note that prices for housing and communal services and housing taxes will be higher than for a regular apartment. On average, prices for housing and communal services per 1 square meter vary between 5-10 dollars.
Despite the good quality of housing and low prices, the apartments have many disadvantages compared to ordinary apartments. This must be taken into account when purchasing.
VIDEO: Differences between apartments and apartments
