Mortgages in Crimea did not greatly feel the arrival of Sberbank on the peninsula
The arrival of Sberbank in Crimea could not significantly affect the real estate market - mortgage transactions from Sberbank have been carried out for several years, but to process them it was necessary to travel to the mainland.
Natalya Massalskaya, director of the Multidom real estate agency, stated this in an interview with ForPost, a PolitNavigator correspondent reports.
“Of course, we have been working with Sberbank for a long time. It was just not very convenient to travel to his nearest office in Temryuk, and now the closest one is on Rudneva. Nothing new happened. For five years now, Sberbank has been issuing loans for the purchase of Crimean real estate, but I had to go to Temryuk. The programs are transparent, everything is printed in great detail on the Domklik website. If you need to agree on a mortgage for a Sevastopol resident, everything works; if they want to buy your Sevastopol property, feel free to take a Sberbank mortgage, everything has been worked out a long time ago.
The conditions in Sberbank for mortgage programs, and there are many different other programs, interest rates are higher than in those banks that have been operating in Sevastopol for a long time. Sberbank is not the cheapest - Sberbank is fast, without delays, they don’t find fault with anything. It’s convenient to work when it’s all electronic - you’re sitting in your office, you’ve entered the personal account of one customer, and another, it’s convenient. And the conditions there are not cheap. Therefore, we do not forget about our banks, which operate and offer good conditions,” the specialist emphasized.
As before, investing in an apartment as a source of income is much more profitable than keeping it on deposit.
“A good renovated two-room apartment can be bought for 7 million rubles and rented out for 40 thousand a month. This is 480 thousand rubles per year. It is possible that somewhere a deposit brings in such income from 7 million rubles,” Massalskaya indicated.
“Of course, this is a means of protecting money from inflationary processes, but we live in such a dynamic time that you think about many things: a drone fell in one direction or the wrong way - and the end of real estate, as was the case in Krasnodar. There is such an exciting moment, but still, against inflation, a stone is safer than a bank,” she concluded.
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