Real estate in crisis: 4 strategies to save money

The real estate market has been going through the third crisis since 2008. And again, we see buying houses and apartments as a way to save their savings. Experts told us how not to lose money when investing in real estate.

Strategy 1: Stay Calm

As a well-known man in his prime said: “Calm, only calm.” Real estate is not a case where emotions can be the deciding factor in a purchase. Today the situation is different. The buyer has become more rational in choosing a project and the best period for the transaction, and this is a competent approach. We note that the stimulating factor is not so much the fear of devaluation, but rather the fear of a possible increase in the mortgage rate. Most purchases today are made using mortgages.

Strategy 2: Buy Smart

There are always risks when buying a home, especially in the primary market. Study its history, find out how many years it has been on the market, estimate the volume and growth rate. And look at which banks accredit it – this is a very important factor because financial institutions evaluate both the team’s professionalism and the economics of the project. After careful analysis, the most reliable construction companies get access to bank loans.

Strategy 3: Decided to Buy – Don’t Delay

Changes are coming in the mortgage market, which will directly lead to changes in the housing market. First of all, this will affect one of the most massive mortgage loan segments – with an initial payment of 20 to 30%. These actions aim to prevent the inflation of the mortgage bubble, but how this will affect the market is unclear. Today the market is transparent; developers keep prices, five high-stage objects, or those already built only in our company L1, so there is plenty to choose from. Therefore, if you decide to buy, take it. And for investment purposes, such a purchase will be fully justified.

Strategy 4: Primary & Secondary

We must understand that the risks in the secondary market are almost greater than in the primary. Besides, sellers – individuals – tend to raise prices when they are interested in an object, which is often a surprise to the buyer. In the market for new buildings, pricing is predictable, the risks due to the introduction of escrow accounts are minimized. 

There are no universal recipes; all buyers have different situations, tasks, and financial capabilities. But, of course, any option can be pre-calculated, and then a decision can be made about what is more convenient and profitable.


In the process of accrediting a developer, banks check not only documents. The audit evaluates the financial stability and experience of the construction company, its reputation, and the presence of cases in arbitration courts. After the accreditation of the construction company and its facilities, the work of banks does not end. Financial institutions have special departments that monitor construction and monitor the progress of projects.