Photo: Sergey Mikhaylichenko /
Fontanka has studied the offers in new buildings available for purchase under the family mortgage program. Judging by the prices, young parents need to prepare for a very compact stay and a long trip to the subway, or overpay at market rates for more interesting options.
The extension of the family mortgage program became known at the end of last week. A loan at a preferential rate of 6% is available to a family with at least one child under the age of 6. The program has a credit limit of 12 million rubles for St. Petersburg. If you make a minimum down payment of 20%, the cost of such housing will not exceed 15 million rubles.
Based on these figures, Fontanka studied the offers on the market. Since we are talking about a family with at least one child, we were looking for two-bedroom apartments suitable for the conditions of a family mortgage. Recall that according to the general rules, you can buy an apartment in a house under construction or already commissioned, but it is important that the seller be a legal entity — the developer. Exception: purchase by assignment, but not all banks carry out these transactions. But we have also considered such options.
The two-room apartments closest to the center of St. Petersburg were found on the alluvium of Vasilievsky Island. The cheapest two-bedroom apartment without finishing with an area of almost 40 squares is sold under an assignment agreement for 11.3 million rubles. For 14.8 million in the same area, you can find a square footage of about 60 squares. The developer sells it himself, but also without finishing, the deadline is the 4th quarter of 2024. However, the transport accessibility of both options cannot be considered ideal: the path only to the bus stop will be 25 minutes and about 10 minutes to go to the Primorskaya metro station.
A relatively close option to the center is the residential complex near the Lesnaya metro station. Two pieces of up to 13 million rubles are put up for sale here. For example, a one-bedroom apartment with an area of 55 square meters with a fine finish is sold for 12.9 million rubles under an assignment agreement. The metro is a 10-minute walk away. However, it will not be possible to move into a new home immediately. The deadline, according to the developer’s website, is the 2nd quarter of 2026.
There are many offers in Yuntolovo and Pargolovo in the north of the city. There you can find apartments from 9.7 million rubles in 50 squares at the construction stage. But both areas are located quite far from the metro, it will be very problematic to move around without your own car. On Komendantsky Prospekt, you can buy housing in an already commissioned residential complex: a compact two-bedroom apartment of 51.4 sq. m. m without finishing costs 10.3 million rubles by assignment. The announcement says that by public transport you can get to the metro in 11 minutes, but residents of the area note that the transport situation is quite tense — during rush hours you simply can not get on the bus.
Most of the apartments corresponding to the preferential mortgage program are in Murino and Bugra. In the Leningrad region, the family mortgage program also has the same limit on the loan amount — 12 million rubles. In the New Devyatkino, a two-room apartment with an area of 62.4 square meters with a fine finish in an already commissioned house costs 9.2 million rubles. However, even here it is necessary to make an adjustment for transport. The announcement says that the metro station “Devyatkino” can be reached by transport in 3 minutes, but in fact the road in traffic during rush hours can stretch for 25-30 minutes, about the same time you can walk to the subway.
A residential complex is being built on Oktyabrskaya Embankment with completion dates in 2025-2026. Now there are available two-bedroom apartments in 50 squares with a fine finish for 13.5 million rubles.
In the south of the city, two-bedroom apartments suitable for a family mortgage can be found in a residential complex under construction at the intersection of Ligovsky Prospekt and Aeronauts Street. Apartments with an area of 46 “squares” with a fine finish are sold for 14.5 million rubles. The Obvodny Kanal Metro Station is a 20-minute walk away. The house is promised to be commissioned in the second half of 2025.
More budget options are located off-screen: in Shushary, Novogorelovo and Housewarming. For example, in Shushary, there is a two-room apartment of 60 sq. m. m is sold under an assignment agreement for only 7.5 million rubles, although without finishing. The deadline is the fourth quarter of 2024. The Shushary Railway Station can be reached on foot in about half an hour.
In the south-west, before reaching the Konstantinovsky Palace, several large residential complexes are being built, where two-bedroom apartments are sold for 11 million rubles. In an already rented house on Budyonny Avenue, by assignment, they offer to buy a two-bedroom apartment of 56 sq. m. m for 11.5 million rubles.
If the buyer is not satisfied with the location or area of the property, then a family mortgage can buy a more expensive apartment. However, in this case, you will either have to increase the amount of the initial payment, or take out a loan of more than 12 million rubles and pay the difference at the market rate. In St. Petersburg, you can take out a loan of up to 30 million rubles in this way.
Larger apartments and closer to the center can be found in the construction site in the residential complex at Sevkabel, on Petrovsky Island, at the Moscow Gate, in the Baltic Pearl. But here you will have to get a calculator and calculate the overpayment.
For example, you want to buy a two-bedroom apartment on Petrovsky Island with an area of 57.5 square meters. m for 20 million rubles, you have 3 million down payment. The bank will give you the required limit of 12 million on a family mortgage at 6%. And you will receive the remaining 5 million at the base rate. Now it is hovering around 18-20%.
Let’s assume that the loan will be issued for 30 years. Thus, the overpayment for the part that will be included in the family mortgage program and will be financed at a rate of 6% will amount to 13,669,908 rubles. The overpayment on the balance of 5 million rubles, which the bank will issue already at 20%, will amount to 24,667,258 rubles. In total, the total overpayment will amount to 38.3 million rubles, which is almost twice the cost of the apartment itself, and the total cost of housing, together with the initial payment, will amount to almost 60 million rubles.
However, most likely, when issuing such a loan, the bank will immediately write a weighted average rate in the mortgage agreement. For example, Sberbank’s website says that in this case it will amount to 11.3%. In this case, the initial payment will be calculated immediately from the total amount, that is, at the conclusion of the contract, you will have to immediately pay 4 million rubles. In this case, the total overpayment on the loan will amount to 39.5 million rubles, the total payment together with the initial payment will be the same almost 60 million rubles.
If you take out a loan for 20 years, then the overpayment for the part covered by the family mortgage will amount to 8,509,132 rubles, for the remainder — 15,150,837 rubles, and the total overpayment is 23.7 million rubles. That is, as a result, you will have to pay a little more than two times more for the apartment than the developer is asking for it now. The application of the weighted average rate provides approximately the same mathematics.
However, not every family will be able to make a monthly loan payment on such terms (156 thousand rubles with a loan for 30 years and 170 thousand with a loan for 20 years).
Reference
Families with at least one child under the age of 6 years inclusive, as well as families raising a minor child with a disability, can count on a family mortgage at 6%. Refinancing of a previously taken mortgage is available. The program also allows you to use maternity capital, but only as a down payment. Some banks allow borrowers to use maternity capital for early repayment of the loan. Depending on the conditions of the bank, the loan term can be up to 25-30 years. Instead of an apartment, you can buy a country house or a townhouse from the developer.
Lena Vaganova, Galina Boyarkova,
Photo: Sergey Mikhaylichenko /
Источник: www.fontanka.ru
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