sales of the capital and suburban real estate took a nosedive. So to analysts, the number of transactions in the primary market fell two times. Buyers are afraid to look at apartments and realtors to show them. But fear of Contracting the coronavirus is not the only obstacle to the desired meter, the uncertainty of job and the fall of the ruble are the main reasons why even those who had planned this year to celebrate a housewarming party, I decided to postpone that happy event later.
cap in hand
“there is more Work, but the output is a null result”, – complains Marina, sales Manager in a major Moscow real estate development company.
According to her, as soon as Moscow was declared a state of isolation, their office is switched to remote mode. They organized online viewings of their properties 24/7.
“Interest from customers is, she continues. The day receive a lot of requests for video guide. People ask the price, ask a lot of questions in chat about prices, discounts, terms of mortgage. But not buying anything. Although mortgages now can be obtained at unprecedented low rates.”
Indeed, many developers in April, have moved their offices to “udalenka”, and now all the stages of a real estate transaction, the buyer can realize through the Internet. To choose on the company website apartment from a catalog, get expert advice on video. Even the contract can be signed remotely using digital signature. By the way, when booking online, developers give customers tangible discounts. The buyer need only a passport, INN, SNILS and, of course, the money in the account. But as a serious problem.
“my husband and I were planning to buy a flat in Moscow, – says Veronika Filippova, one of those who decided to postpone the housewarming party to better times. It’s worth about 7-8 million. Two million we have on the balance wanted to arrange a mortgage for 15 years. Even before the quarantine Koidu and the collapse of the ruble, the Bank considered her husband the terms of the loan. It turned out that the monthly payment will be about 60 thousand rubles. Assuming that his income will not be below 110 thousand rubles. But at that time he received much more.”
Young people were already going to pay a Deposit for an apartment, when suddenly all closed home. Company husband of Veronica sent their employees on unpaid leave, and what will happen when the quarantine is over, the guide says they do not.
“Before, he used to tease me — she says, — they say, I spend more on the road and lunch in the canteen than get. Now silenced, he understands that if he is dismissed, I will be the only breadwinner in the house. In��e has the public sector a lot more safeguards to keep a job than those who work in the private sector. But with my meager salary on the mortgage even dream, however, for us now the main thing is not to go with an outstretched hand.”
Virtual housewarming party
a Month ago at the meeting of Vladimir Putin with the government, one of the largest developers of Moscow Sergey Gordeyev reported to the President that the construction industry suffers enormous losses in April, sales fell by 65% in comparison with March.
CYANOGEN Analysts believe that the demand has sunk to the level of 2016, and the last time such a sharp drop in sales was observed only in the beginning of 2015 — then the Central Bank sharply raised its key interest rate, and mortgage rates have become, for most people unaffordable. But now, despite the fact that mortgage rate record low – only 6.5 per cent, the economic situation in the country is much worse than it was 5 years ago. In April 2020 has been a perfect storm: the pandemic of coronavirus, the whole country sat on the quarantine, the economy has stopped, small and medium business faces ruin, plus collapsed oil prices and the ruble collapsed.
“to Make a decision about buying real estate in such an unstable economic environment can only those who have the entire amount in stock, – said independent realtor Maxim. But these buyers are very few. There are still people who want to sell the old house and for a fee to buy a more comfortable new. But here too not all is smooth, even if they have the necessary additional amount to find a buyer for their old homes will be much harder.”
it turns out that although builders and realtors are very quickly mastered the online mode, the actual sales they have next to nothing. Potential buyers willing to participate in a virtual game, they actively send online requests to view apartments, roam with Webcams for construction projects, eyeing the managers asked a lot of questions, but to sign the Treaty in no hurry.
EV, – notes Maxim. – Otherwise I would have rushed to cut prices, but instead there is even a small increase relative to March. And to give discounts to buyers too do not hurry. Probably thought that discounted mortgages will stimulate demand. But that is not visible to queues in Moscow and the Moscow region new buildings.”
According to analysts in real estate, this situation has developed now, will not last long. It is not beneficial to anyone. First of all, the developers, because invested in the construction money has to work, and banks also need to sell their loans, just to understand who the customers of solvent.
“I Have a few deals fell through because the Bank approved mortgage customers. Humanit provides help 2NDFL and there-everything is super! But it figures pre-crisis, and what will happen with him and his company in a month or two, and especially the year, nobody knows. Banks are afraid to give money, and people too afraid to harness a mortgage, because it is a commitment for many years to come. In General, all waiting for the quarantine will end, and then it will be at least some clarity with the economy. And yet, as said, one of my colleagues: all right, I’m falling!”.
