Expert Zubik, gave advice on how Tula youth to buy the first apartment

Tulas who are planning to buy their first apartment should not wait for the perfect moment or try to find a dream home. It is much more important to choose an object that in the future can be profitable to sell or lease, the founder of the management company Smarent Viktor Zubik told Gazeta.ru.

According to the expert, today buyers have different ways to purchase real estate, and the final benefit depends on how competently they combine financial instruments. One of the most attractive options Zubik called a family mortgage, but not everyone can use this program. Therefore, Tulaks without the right to preferential lending have to consider other proposals.

In particular, developers offer subsidized programs with reduced rates. They help reduce the monthly payment, but don’t necessarily make the apartment itself cheaper. Therefore, it is important for Tulaks to estimate the full cost of the transaction, and not focus only on the amount to be paid each month.

Another option is installment from the developer. It can be suitable for those who have a high current income or who expect to receive money from the sale of other property. At the same time, the buyer needs to think in advance how he will pay the remaining amount. Installment payments help distribute payments, but do not replace mortgages.

Young tulas who can not yet afford expensive housing, the expert advises to start with a more affordable apartment and improve housing conditions as incomes grow. When choosing the first object, it is worth considering the transport accessibility, infrastructure development and reliability of the developer. These factors can simplify the subsequent sale of an apartment or the search for tenants.

The main mistake of young buyers in the Tula region Zubik called the desire to wait for the perfect moment for a deal. In his opinion, trying to guess when mortgage rates will reach the minimum, can cost more than overpayment on the loan. If payments remain feasible, and the apartment meets long-term plans, buying for Tula can be not only a way to solve the housing issue, but also the beginning of the formation of personal capital.

Earlier, “MK in Tula” reported on the growth of prices for secondary housing in the regional center. According to analysts, in the third quarter of 2026, the average cost per square meter increased by 3.6%, and the average price of an apartment - by 4.5%.