5 reasons to buy real estate right now

      What unites a successful entrepreneur, a young family with a child, and a retiree from the neighboring building? They all once made one of the most important decisions in their lives – they bought real estate. Elena Pimonova, a professional participant in the real estate market and co-founder of the RED agency, explains why this decision changes everything.

      Your personal shield from financial storms

      In 2020, while everyone was panicking, our client Alexey bought two apartments with us. A three-room apartment in the secondary market for 13.8 million (a discount of 4 million) and a one-room apartment in a new building at the price of 2018. We arranged both properties under a preferential mortgage of 6.5%, while others hesitated. By 2021, the profit from price growth amounted to 10 million, and the rent covers the payments.

      Real estate is like a reliable friend in a world that is constantly changing. You can touch it, live in it, and it won't disappear overnight like some cryptocurrencies. While bread and gasoline are getting more expensive, your apartment does the same – only in your favor.

      Money that comes while you sleep

      "Passive income" sounds like a dream from Instagram courses, right? But with real estate, it's a reality. A typical story: a person buys a studio near the university, rents it out, and receives 40 thousand a month – enough to cover the mortgage payment for their main apartment.

      You rent out housing – and money drips into your account every month. On vacation in Bali, while the tenant reliably transfers the payment. You work in an office, and real estate works for you. This is especially relevant in large cities, where there is always demand for rent.

      Finally, freedom!

      This feeling is familiar to anyone renting an apartment: "I want to get a cat, but what if the landlord is against it?" Or you dream of painting the wall your favorite color, but it's not yours?

      Own housing means waking up and realizing: here I am the owner. Want to make a dressing room – done. Decided you need a home theater – here you go. No calls asking you to move out in a month because the landlord decided to sell.

      And it is also a foundation for a family. A place where children will grow up, where guests will gather for a housewarming party, where the warmest memories will be kept. It's not just square meters – it's a personal story.

      Smart investment with the help of a bank

      This is where real estate beats other investments! Try to take a loan to buy stocks – the bank just won't understand. But for an apartment? Here you go, here's a mortgage at a reasonable interest rate.

      Imagine: you pay 20-30% of the cost, and the rest is provided by the bank. At the same time, the apartment is already yours, and it starts to increase in value from day one. Over 10 years, the average Moscow apartment appreciates by 40-60%. And the bank is paid gradually, and these payments are not "wasted" money like rent, but an investment in your own asset.

      Moreover, many developers now offer installment plans both with and without interest.

      The best gift for children

      Recently, the agency arranged a deal for an elderly couple. They were buying a small studio for their granddaughter, a student. "Let the girl not worry about rent and focus on her studies," they explained. The eyes of that girl sparkled with gratitude.

      Real estate is not just square meters; it is a financial safety cushion for the next generation. Children will be able to live in this apartment, rent it out, or sell it and buy something of their own. It is a tangible embodiment of care that will not depreciate or be lost.

      Expert opinion

      "Over the years of work, I have seen hundreds of deals," comments Elena Pimonova. "I have met very few people who regret buying real estate. But those who regret not buying earlier – there are plenty of them. 'If only I had bought back then, in 2015... or in 2020' – I hear this all the time."

      Yes, the down payment is serious money. Yes, the buying process takes time and nerves. But, according to professionals, in the long run, owning real estate is one of the best decisions for yourself and your family.

      An apartment is simultaneously a fortress, a source of income, and an investment in the future. Three in one. What other asset can offer so many advantages?

      "Don't put off the dream of your own housing for later," advises Elena. "Later it will cost more – I tell you this as an expert."