Buy-to-let in Moscow, Russia

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Why Moscow?

Now the prices for capital apartments are falling. Rent is getting

Why Moscow? Now the prices for capital apartments are falling. Rent is
cheaper. People began to think about their housing. Mortgage is the life of your apartment. You pay already for yours, and not for someone else's apartment.

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VTB

Consider the situation with a specific example. We took VTB Bank. We

VTB Consider the situation with a specific example. We took VTB Bank.
calculate how much you will have to pay if you take a mortgage in it for a two-room apartment.
* average prices

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Purchase price

On average, a two-room apartment in Moscow on various real estate

Purchase price On average, a two-room apartment in Moscow on various real
sites costs about 15 million rubles. We will count from this price.

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Deposit

In order to take a mortgage, VTB offers to pay a deposit

Deposit In order to take a mortgage, VTB offers to pay a
of 1.5 million rubles. This is 10 percent of the total cost of the apartment.

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Mortgage

After paying the deposit, we will only have to pay 13.5 million

Mortgage After paying the deposit, we will only have to pay 13.5
rubles to the bank. This is 90 percent of the total cost of the apartment.

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Monthly mortgage payment

Each month we will give the bank 119.5 thousand rubles

Monthly mortgage payment Each month we will give the bank 119.5 thousand
each. Bank mortgage rate - 10.1 percent for 30 years. It turns out that every year we will overpay 10.1 percent.

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Rental income

According to the CIAN website, the cost of renting an apartment in

Rental income According to the CIAN website, the cost of renting an
Moscow varies from 60 thousand rubles to 300 thousand rubles. It depends on the area, repair, infrastructure and other qualities. We took for the average option 180 thousand rubles.

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Rent as a % of mortgage

Having carried out calculations, we found that

Rent as a % of mortgage Having carried out calculations, we found
renting the received housing you get an income equal to 151 percent of the mortgage. The net profit is 51 percent.

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Risks

Everything above is estimated approximately. Also, anything can change at any time.

Risks Everything above is estimated approximately. Also, anything can change at any
There are such risks as an unsuccessful choice of a bank or currency, loss of a deposit, disagreement of other owners, lack of insurance and more.
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