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It is difficult to buy for less
Although the quarantine has slightly slowed the growth of property prices, according to real estate analysts, they are still higher than last year: prices of apartments in Vilnius grew more during the year, by 4.6 percent. According to Swedbank, during the first nine months of this year, the average amount of a home loan was nearly 73,000. EUR, which is 7%. more than in the same period last year, and the highest number of home purchase loans was granted in Vilnius, up 48 percent.
Real estate experts, in turn, recommend that before buying your first home or changing it for a larger one, you decide at what price, where in the city and what property (own house, chalet, apartment) you want to buy. However, very often the decisive decision is made by buyers taking into account the price of the house and the banking conditions, if a mortgage is taken to buy a property. What kind of newly built apartment in the capital can be bought for the average amount of the already mentioned bank loan – 70 thousand? euros and a little more, 100 thousand. – and what causes the price differences? Delfi Būstas has chosen to be interested in buying new-build flats (primary market), since the sales of this property have been growing rapidly for several years.
Marius Čiulada, the head of the Old Town office of the real estate company Ober-Haus, estimates that prices for newly built apartments in Vilnius start at 1350 Eur / m2. m with partial finish. To buy an apartment with an average full finish, at least another 300 Eur / m2 must be added to this amount. meter. When buying an apartment with a partial finish, the buyer must have additional funds for the installation of the house or apply for a bank loan for the installation of the house.
“We see that the price of a newly built apartment starts between 1600 and 1700 Eur / m2. meter. Such an apartment is likely to be economically located on the outskirts of the city, in districts far from the city center, such as Pilaitė, Pašilaičiai, Naujoji Vilnia. We count. With a budget of 70,000 euros, the buyer can buy 43-44 m2 M. m area of newly built apartment. Depending on the ‘success’ of the apartment plan, it will be a small 1 or 2 bedroom apartment in the sleeping areas ”, says M. Čiulada.
The interlocutor continues that with a budget of 100,000 euros, the buyer will be able to purchase a more spacious one, of about 62 m2. m area, department. This is likely to be a 3 bedroom apartment not very spacious in sleeping areas.
“You also need to take into account the additional costs: generally, builders ask for at least 3000 euros for the warehouse and at least 10,000 euros for the parking. The prices of the newly built houses closer to the city center start from 2000 Eur / m2 M. m “, says the real estate expert and adds that there are still few new construction projects in Vilnius, according to which it is possible to buy houses for up to 70,000 euros. According to him, having such a budget would probably need to look more closely the old construction, also has advantages (transport, shops, kindergartens and other infrastructure) According to M. Čiulada, it is necessary to plan a budget of at least 100,000 euros to buy new-build houses.
Closer to the city, only small houses
About 70 thousand people will be used to buy a home. However, if you don’t want to live on the outskirts, there is another way: to buy a much smaller, newly built apartment, but closer to the city center. Tomas Sovijus Kvainickas, Head of Investment and Analysis of Inreal, says that in recent years, for an amount of up to 70 thousand, considering the expected discount from published prices, the buyer could choose 25-40 m2 M. m of housing with partial finish:
- Approximately 25 square meters. m of houses can be bought in Žirmūnai;
- Approximately 30 square meters. M houses could be bought in Baltupiai, Šeškinė, Naujamiestis;
- Approximately 35 square meters. m houses can be bought in Burbiškės, Visoriai, Šnipiškės, Markučiai;
- Approximately 40 square meters. You can buy m of houses in Pašilaičiai, Justiniškės, Lazdynėlis, Pilaitė, Vilkpėdė, Viršuliškės or Visoriai.
The interlocutor points out that when choosing a home for 70 thousand. In areas closer to the city center, attention should be paid to the purpose of the premises being purchased.
“In terms of this price group, in the more expensive neighborhoods you would normally have to choose between leisure, hotel apartments or creative workshops (lofts). This type of housing is traditionally up to 10 percent. Cheaper than residential apartments in similar size, an annual property tax can be applied, but the annual amount of the tax will not be high. It is true that it can be a bit more difficult to obtain a bank loan, “emphasizes TS Kvainickas.
The interlocutor continues that if another 30 thousand could be added to the budget for the purchase of a house. and have 100 thousand. The possibility of acquiring more homes would increase, as well as the choice of neighborhoods would increase:
- Approximately 35 square meters. m of houses could be bought in Užupis;
- Approximately 40 square meters. m of houses could be bought in Antakalnis;
- Approximately 45 square meters. m of houses can be bought in Šeškinė, Verkiai, Šnipiškės, Vilkpėdė, Viršuliškės, Žirmūnai;
- Approximately 50 square meters. M houses could be bought in Markučiai, Baltupiai, Burbiškės;
- Approximately 55 square meters. m of housing can be bought in Justiniškės, Lazdynėliai, Pilaitė;
- Approximately 60 square meters. M of housing could be bought in Pašilaičiai.
“In some cases, the larger area seems insignificant, but it can lead to differences in purpose, layout, floor, view through windows. Needless to say, the cases mentioned do not cover all options, but the ranges Prices limit not only the area of housing, but also the number of offers themselves. Neighborhoods with few proposals are not included in the list, “says the real estate analyst.
TS Kvainickas also emphasizes that the housing supply in Vilnius is constantly changing, there are usually about a hundred projects on the market, new ones are delivered every month, but the balance structure is constantly changing when buyers buy apartments, so the answer to this question is always a little.
Of course, each buyer chooses the home according to their priorities and needs, answering a few key questions: what size home is needed, what neighborhood would they like to live in, what is their budget to buy real estate.
On the other hand, the possibility of selling or renting the selected home in the future should also be evaluated. According to TS Kvainickas, it is easier to sell smaller homes in a more attractive neighborhood on the secondary market than in a larger one on the periphery.
“But to say that a family with two children, after buying 35 m2. M of housing in Užupis, will guarantee a better quality of life than the acquisition of 60 m2. M apartment in Pašilaičiai, I would not dare. To be able to acquire housing for one person, the choice is simpler, the dilemma shifts to the desire to have more spacious housing or closer to the city center, without sacrificing the basic functions of the living environment. The most expensive housing is characterized by a better architectural expression, the quality of the finishing materials and other parameters, it is more pleasant to return home ”, explains the real estate analyst.
© DELFI / Josvydas Elinskas
M. Čiulada, the head of the Ober-Haus Old Town office, adds that there is no unequivocal answer as to which is better: a smaller house in the center or more comfortable, more spacious in the periphery.
“Young people who like a more active social life try to be as close as possible to the center, cultural life, places of entertainment, etc., nature is less relevant to them. And families with children, older people choose quieter places, closer to nature, “says the real estate expert trends.
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