What is the difference between an apartment and an apartment? Which is better: apartment or apartment? Apartment and apartment: what are the differences and similarities
More and more apartments are appearing on the Moscow real estate market, but not all buyers fully understand what the features of such housing are. Specialists from the kvartirolog.ru service told The Village what apartments are, how they differ from apartments in principle, and what is more profitable to take out a mortgage if you have initial savings.
What are apartments?
Apartments are legally non-residential premises intended for temporary residence. They are usually located in redeveloped buildings in the city center or in new buildings where the developer was unable or unwilling to obtain a residential building permit. Such buildings are usually registered as non-residential - hotel, office or other purposes. The type of building affects the amount of property taxes.
Modern apartments, as a rule, are not inferior to residential buildings in terms of landscaping and infrastructure of the house. But when purchasing them, you should pay attention to whether only apartments are located in this building and on your floor, or whether there will also be offices or even retail space. The most comfortable option is, of course, apartments in a building where apartments are also sold.
The legal status of non-residential premises imposes a number of restrictions on apartments:
You cannot register with them - you can only get temporary registration for five years with the possibility of extension. At the same time, you and your child will be able to use clinics, hospitals, schools and kindergartens in the area.
If one of your neighbors makes noise all night, you will have no legal basis to influence it.
Utility bills in apartments are 15–20% higher than in apartments - this difference arises due to different city tariffs for residential and non-residential premises. The same applies to property tax: it is 0.5% of the cost for hotel-type properties and other real estate properties, which include most apartments, and 2% for office premises. The apartment tax for individuals is 0.1% of its value, if it does not exceed 10 million rubles. The rate for more expensive properties is higher and can reach 2%.
The developer is not obliged to comply with the standards intended for residential premises: insolation level, infrastructure development, etc. In fact, the standards are usually not violated much, especially if there are apartments in the same residential complex.
What does the apartment market look like in Moscow?
Up to 30% comes the price difference between apartments and apartments. One-room apartments are on average 15% cheaper than comparable apartments, two-room apartments are 20% cheaper. As you move away from the center, the price difference usually increases. True, some apartments are more expensive than comparable apartments.
About 50% residential complexes with apartments belong to the business class, slightly less than 40% - to the elite class, 10% - to the comfort class.
2.3 million rubles the cheapest apartments within the Moscow Ring Road are priced (room with an area of 16 sq. m. in Marfin with delivery at the end of 2018). For 2.4 million rubles you can buy an apartment of 25 square meters. m. in Vostochny Biryulyovo, which is promised to be completed at the end of this year.
How different are the prices for apartments and apartments?
Moscow region
Minimum price of an apartment, million rubles.
Minimum price of apartments, million rubles.
from Sadovoy to the Third Transport Ring
5.2 (36 m²)
3.2 (17 m²)
near the Third Transport Ring
4.1 (22 m²)
4.4 (27 m²)
from the Third Transport Ring to the Moscow Ring Road
2.4 (25 m²)
2.3 (16 m²)
What is more profitable to take out a mortgage?
Let's say you want to buy real estate near the Third Transport Ring, no further than two or three stations from the Circle Line within a 15-minute walk from the metro. You are considering business class residential complexes with delivery in 2018 and choose a one-room apartment or apartments with an area of about 40 square meters. m. On average, such an apartment will cost 9.1 million rubles, and apartments - 7.8 million rubles.
Let's say you have 3 million rubles as a down payment, the rest of the amount can be taken out on a mortgage at 11.7% per annum (average mortgage rate in Moscow for the 1st quarter of 2017 according to the Central Bank of the Russian Federation) for 15 years. The cost of compulsory property insurance will be 0.15% (accrued annually on the outstanding balance) per year. At the same time, it is desirable that your income be at least 150 thousand rubles if you are buying an apartment, and 180 thousand rubles if you are buying an apartment: it is recommended that the monthly mortgage payment be no more than 40% of your earnings.
How much will a mortgage cost?
Expenses
Apartment, million rubles
Apartments, million rubles
Object cost
An initial fee
Amount of credit
Total payments for the entire loan term
Thus, with the initial price difference between an apartment and an apartment being 1.3 million rubles, the final difference with a mortgage is 2.8 million rubles.
Today apartments can be found not only in the luxury segment - more and more offers are appearing on the market. The apartments are in demand and have become available to a wide range of buyers. However, the acquisition of such real estate is fraught with a lot of peculiarities.
The first question that arises for the average person is what are apartments? Many people do not know that they are distinguished from apartments by a number of important details. And if previously large studio apartments were considered apartments, now this type of housing is acquiring more precise legal features, and apartments can be found even at 30 square meters. meters. Essentially, this is the same hotel where you can buy a room with a kitchen, and the price of which includes hotel infrastructure. There may already be places for recreation, fitness rooms, restaurants and spas, as well as office space and conference rooms, note specialists from the Azbuka Zhilya company. Apartments are non-residential premises; theoretically, they are commercial real estate. This is why many apartment complexes are converted office buildings. In Moscow, in areas where the development of residential properties is prohibited, it is quite legal to build apartments and sell them as residential premises. It will not be possible to register in such a place, but you can do temporary registration, and even then not everywhere and not always. That is, the main difference between apartments and apartments in Russia is their different legal status.
Tretyakova DariaHead of Consulting and Analytics Department at Azbuka Zhilya“For a family with children, for example, the inability to register in an apartment is a significant disadvantage for life. Accordingly, difficulties will arise with the use of district clinics, kindergartens and schools. It is quite difficult to get a mortgage loan to buy an apartment. And programs aimed at supporting the purchase of housing do not apply to apartments. Unlike an apartment, an apartment can be seized by a creditor from the owner, even if it is his only home.”
However, apartment owners are of little interest in registration, Hospitality Income analysts note. As a rule, such properties are purchased as a second or third home for wealthy people. Typically, expensive apartments are purchased by employees of foreign companies, top managers, and businessmen - location and hotel service are important to them, notes Daria Tretyakova, head of the consulting and analytics department at Azbuka Zhilya. In addition, the status of non-residential premises allows apartment owners to register legal entities, which can be convenient for the company.
Elena Lysenkova CEO of Hospitality Income“This format of residential real estate, veiled as a hotel format, which came to us from the West, is being implemented in many Russian cities and, in general, has become familiar. And the fact that registration in them is impossible does not bother anyone. If we talk about the development of the apartment market in general, then the direction of apartment real estate is currently developing in two formats. In the apart-hotel format, when the hotel complex was originally created to rent out rooms for temporary accommodation of guests, but these rooms have more spacious characteristics compared to classic hotel rooms. And service apartments, which are a complex of apartments that are first sold to the market to end users, who, in turn, can transfer these apartments to the management of a professional centralized management company that will rent out and maintain the apartments.”
The disadvantages include operating costs and increased taxes. Today it is five times more for apartments than for an apartment, and monthly service fees can vary from 15 to 40 thousand per month or more. But the apartments are much cheaper - 15-20% lower than apartments of the same level. This is largely due to the lack of infrastructure - the developer is not obliged to build clinics, kindergartens and schools, as is done in the case of apartments. For example, the center of Moscow is experiencing tension - schools and kindergartens are overcrowded, and the number of apartment complexes is growing. In addition, such facilities may lack parking spaces, which also increases the load on city infrastructure.
Despite minor shortcomings, the apartments have a number of important advantages. And here, as they say, it’s a matter of taste and priorities: your choice should be based on the purpose for which you are purchasing housing. According to Hospitality Income Consulting specialists, the demand for apartments will only grow in the next three years.
Recently, on the residential real estate market you can find quite a large number of offers for the sale of apartments. The question arises: how does this object differ from an ordinary apartment? And what is more profitable to buy in this or that case.
Apartment or apartment: the choice is yours
There are quite a lot of differences between apartments and apartments. Even by superficially comparing these two objects with each other, one can understand that these are completely different things. Realtors believe that for people who are rarely at home, apartments are an excellent alternative to an apartment. But initially you should weigh all the pros and cons, evaluate the benefits and risks, so as not to make a mistake. Often you can save a lot of money on a purchase, but you should understand what this entails.
What is an apartment: basic provisions
This is a separate residential property that can be used both for your own residence there and for renting out. Such housing has a separate entrance, as well as all communications necessary for a comfortable stay. Moreover, apartments may differ from each other in area, location, number of floors, and so on according to the list. Finding a suitable property is not difficult; there are many of them in both the primary and secondary markets. Such real estate can be sold with finished renovation, rough or fine finishing, with or without furniture.
The cost of apartments in new buildings today: one-room apartment - from 6.5 million, two-room apartment - from 9.7 million, three-room apartment - from 18 million, 4+ - from 37 million rubles. Accordingly, a square meter costs about 159, 150, 184, 289 thousand rubles. This is the average market price; you can always find a cheaper option when developers offer discounts, and a more expensive option in luxury new buildings.
On the secondary market, a one-room apartment costs from 7.8 million, a two-room apartment – from 13.2 million, a three-room apartment – from 27.4 million, a four-room apartment – from 93.2 million rubles. These are 206, 244, 329 and 632 thousand rubles per square meter, respectively. The price depends on the layout, condition, location.
What are apartments: the obvious difference
This is an object in which you can live freely, but at the legal level the premises are not considered residential real estate. The apartments are located in former office or industrial buildings that were converted specifically for housing, buildings that could not be built as residential buildings, while they are legally non-residential. Apartments are also converted into apartments in cases where the developer was unable to obtain permission to build a residential building.
“Often, premises located in hotel complexes are also offered. At the same time, the objects are equipped with communications, and the inside is partially or fully furnished. As for repairs, most often it will be designer. The apartments are classified as luxury real estate; it is believed that wealthy people who come to Moscow on business occasionally live there. In other words, this is a well-equipped hotel room where you can always stay. Most often there are one- and two-room apartments, as well as “studios”, where the room is combined with a kitchen,” says Alexey Shmonov, general director of the real estate portal Move.su.
When investing in such real estate, you should always take into account the cost, taxes and utilities. The price for an apartment can be 15-20 percent lower than for an apartment. But, of course, you should take into account the square footage, location, etc. nuances.
Many buyers believe that apartments have more disadvantages than advantages. After all, you cannot register there; as a result, you lack many of the rights that registration gives you. Secondly, an office may be installed nearby if it is a business center, or unknown individuals may live nearby when it comes to a hotel. You will not be able to call the police or simply make a verbal remark, since you will not have any right to do so.
Another disadvantage that developers “forget” to talk about is the lack of mandatory standards for the construction of such objects. For example, problems may arise with wiring, lack of light due to small windows, noise due to thin walls, etc.
What is the difference between an apartment and an apartment?
In addition to location (in residential and non-residential buildings) and legal status, there are other differences between the two objects. Thus, the area of the apartment should not be less than forty square meters. The presence of a bathroom and a kitchen is mandatory in both cases. But the area of the apartment can be much smaller than the 40-square-meter apartment.
As mentioned above, the cost of apartments is lower, but utilities are much more expensive, since they are calculated not for an individual, but for a legal entity or commercial real estate. For example, in the first case you will have to pay 25% more for heating, and 15% more for water. At the same time, apartment owners will not be able to take advantage of subsidies and benefits.
“We should also not forget about the property tax, which increases from 0.1% of the cadastral value (for apartments up to 10 million rubles) to 0.5%. And that's the best case scenario. There is a category of apartments, the tax rate of which reaches up to 2%, regardless of the cost of the property,” shares Alexey Shmonov, CEO of the real estate portal Move.su.
What is more profitable: apartment or apartment
So, let's imagine that we have 10 million rubles that we are ready to spend on purchasing real estate. Considering that the apartments will be 20% cheaper, then, accordingly, the apartment will cost 10 million, and the apartments – 8. In the second case, we put the remaining amount from the purchase on a deposit at 10% for 20 years. We make a profit during this time of about 10 million rubles. Over the course of twenty years, we spend, respectively, 1.4 and 1.8 million rubles on utilities, and 200 thousand and one million on taxes. After 20 years, we do not receive any assets for the apartment; for the apartments – 7.9 million rubles.
As a result, in the long term, apartments are more profitable. But we are talking about objects whose cost is at least 8% lower than an apartment. Otherwise, saving on buying real estate is not worth it.
Disadvantages of apartments: what you should think about before buying
As already mentioned, you cannot register in the apartment, you can only obtain temporary registration, which is given for up to five years. You will be able to receive the required monthly child benefit, send your children to school (but places will be provided only after admission to those officially registered), and be assigned to a clinic. And you won’t be able to count on social benefits or benefits. You will also not be able to join the labor exchange or queue for housing.
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: these include apartments in new buildings and secondary housing. Apartments for sale may be excellently renovated, but are usually not furnished. rent an apartment in Moscow City: what is it? Apartments equipped with modern communications, excellent furniture and located in hotel complexes are called apartments. This is an elite type of luxury rental 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, beauty salons and other infrastructure facilities. This type of real estate 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.
Legal status of apartments In Russian legislation, the concept of “apartments” 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 State Standard, 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.