What is the difference between apartments and apartments: what are the advantages and disadvantages of apartments

In the real estate market today, in addition to the usual advertisements for the sale of apartments, you can also find apartments. They are located in designer new buildings and seem like a good idea for a purchase or rental: they are cheaper than apartments of similar sizes. But behind a lower price there are a number of drawbacks that landlords and sellers prefer to keep silent about. A savvy buyer should know how apartments differ from an apartment in Moscow in order to take into account the pros and cons of both options.

What is an apartment

The main difference: this room according to the documents is non-residential. It can not be registered, the usual rules for apartments and housing legislation do not work. The owner of the building, building or remodeling the house, did not want or could not get special permission for it so that residents could be settled, so the building is designed as a hotel or office. At the same time, you can live in it, create apartments and sell them. Buyers of apartments are attracted by the location in new buildings or renovated buildings in a good area.

Minus, which many care about: you can not get a residence permit. Since apartments are a non-residential premises, the residents can only be located there temporarily. And without registration, you can not enroll a child in the nearest school, receive social benefits and be treated free of charge in a clinic or hospital. The developer is not required to develop the social component of the area, so nearby medical and educational institutions may not be nearby.

Sometimes the territory near the apartments is landscaped, there are kindergartens, schools, and clinics. But it may turn out that the apartments are in an office building, hotel and even in the neighborhood of a shopping center. When buying, pay attention to whether you will have neighbors or the remaining area of ​​the building is given for offices and shops. The more residents, the better. The main disadvantages of the apartments:

• You can’t register, only temporarily register for 5 years;
• you may have to endure the noise behind the wall - the premises are non-residential, you can not complain;
• utility tariffs are higher than in apartments;
• higher property tax;
• possible violation of sound insulation and lighting standards.

Many people choose apartments as temporary housing. The main thing is how they differ from the apartment for tenants: utility bills, which are 20% higher than usual. The difference in costs is explained by tariffs for non-residential real estate. Therefore, such premises are often bought in order to earn money on them: you can legally arrange a hotel and rent visitors for a short time. Good repair, good location - the main advantages of the apartment. And other inconveniences that arise with a long stay can be ignored for a short time.

When buying for a long stay, you should carefully weigh everything. Most likely, you will have to pay a higher property tax. If for an apartment it is one tenth of a percent of the price, then for apartments the minimum threshold is already 0.5%. If the new housing is located in an office building, then the tax will be already 2%. But the company can offer additional cleaning services, gardeners and other services that are associated with a higher standard of living.Due to the location in new buildings and lower costs during construction and design, the apartments are distinguished by an interesting designer interior. They look more attractive in appearance, and additional services and a winning location add chic. If status is the most important, then apartments are a good choice.

Among the pluses is the fact that you do not have to get permission to redevelop. Any changes are allowed, unless they threaten the structure of the building. But the attics, basements and other premises, which are usually in the common property of the tenants, in this case belong to the owner. Buyers of apartments do not affect the choice of the management company: it is chosen by the developer.

The main differences of the apartment

The most important thing that defines a room as an “apartment” is its location in the housing stock. If the apartments can be located in non-residential buildings (for example, office), then the apartment is only in the house with the correct status. All conditions are spelled out in the Housing Code, which governs all issues arising in this area. In order for a room to be called an apartment, it must be:

• apart from other rooms;
• have one or more rooms intended for living;
• have auxiliary facilities - a kitchen, a bathroom, a corridor.

The apartment is also distinguished by the fact that its area is considered in two formats: general and residential. The last category includes only heated rooms in which you can live. Near residential buildings, the developer usually places objects of social significance and does not exceed the building density, which is advantageous from the point of view of the convenience of the area. The construction of apartments requires you to comply with strict requirements: security, infrastructure, lighting, size. All these rules do not apply to apartments.

By purchasing an apartment, you get a partial right to all external balconies, basements, roof and other general premises. Without the permission of the residents it is impossible to organize a pool, a fitness center or a restaurant in the house, while for non-residential buildings in which the apartments are located, these restrictions do not apply. It is forbidden to place outdoor advertisements on residential buildings - this also requires the approval of most residents.

All major decisions are made with the participation of the owners. They choose a management company by voting, they can influence the repair of a house, the installation of an intercom, additional equipment, security cameras, etc. Each resident has his own voice, so the main issues are resolved democratically. If the owners are mostly dissatisfied with the parking - they will remove it, if the facade color is not like - it can be repainted, and the management company that does not work well can be changed at any time. In apartments, all this is decided by the owner of most of the premises.

What is more profitable to buy

Apartments generally cost less than apartments, so in terms of money, buying can be profitable. With direct purchases, if you already have the required amount for the down payment, the benefit is obvious: you just pay less. But even with a mortgage, you can save. For example, there are 2.5 million in stock for the initial payment. Similar in size apartments will cost an average of 15% cheaper than an apartment. Accordingly, there will be less loan amount and, as a result, total mortgage payments. A more detailed calculation is given in the table.

The difference between the monthly payment is 18 thousand. Even if you take into account that utility bills in the first case will be 20% more expensive (for example, 7800 instead of 6500), the difference will still be more than 16 thousand per month in favor of apartments. And for the entire period you can save a substantial amount.

But then you cannot apply for a tax deduction on apartments: it does not apply to non-residential premises, even if they are purchased by a family with children for permanent residence. The apartment has another advantage in terms of savings. Since 2018, mothers with 2 or more children have the opportunity to receive preferential mortgages: it is 6% instead of the usual 12% per annum. This law applies only to residential premises. You can also use maternity capital to purchase an apartment.

Before deciding to buy a home, you should carefully consider all the benefits and opportunities to save. For example, if a family is not going to have children and not one of the members is officially employed, then it will be more profitable to take what costs less. Especially if you reduce the amount by returning funds from the budget and preferential mortgages - then the apartment will be much more profitable.

Which room to choose

In the choice between apartment and apartments you need to build on the goal. If the priority is to live in an environment that is protected by law, then choose an apartment. This format is suitable for long stays and personal needs. To organize a mini-hotel, office or studio for recording video or music, only apartments are suitable. There are no strict requirements for non-residential premises. The buyer can arrange anything in the apartment, but his neighbors can do the same. For example, on the ground floor of a non-residential building, without your consent, they can open a noisy bar, and in the room next door - an office or a store. In residential buildings, such drastic action will require the permission of most owners.

No tenant can use the apartment for any purpose other than for living. In the house you can not make noise at inopportune times: neighbors can complain. Therefore, apartments are often bought for personal comfort, and apartments for commercial gain. For example, they can be legally rented to tourists, paying back the price of the room. Non-residential buildings often stand in dynamic areas - for example, in the city center, which makes them profitable in terms of location. This can also be a minus: there are no quiet parks, large shops, constant noise and a large number of people nearby. Compare both options according to the main criteria using the table.

When buying, check which category the building belongs to. Building owners often go to tricks and serve apartments as apartments. Advertise as a convenient housing for the family - despite the fact that families are not legally entitled to any benefits and amenities for living. Or the emphasis is on additional services - for example, cleaning - missing the fact that the service is mandatory and imposed by the owner. On the website of the developer, you can always find project documentation for the house. It is always indicated.

Apartments - the choice of those who want to use the room outside the box, plans to rent it out or equip an office there. This is a more elite housing with a good repair, which is most often located in new buildings in good areas.In turn, an apartment - the choice of those who plan to receive a tax deduction, can send part of the funds from maternity capital for purchase or arrange a more profitable mortgage with two children. An apartment is a more law-protected housing, each owner has a weight in the general meeting and can take part in decisions on the arrangement. Next to residential buildings, legislation requires the construction of infrastructure, which makes them more comfortable for living. In any case, when buying or renting, it is worth starting from the purpose for which the room will be used.