I want to and I can. Why buying a new building in Barnaul is profitable right now

Went to the plateau

The current situation is different from what it was three or four years ago, experts admit. Then sales grew due to preferential mortgages “for all” and the entry into the market of a large number of overbought investors. Now there's neither.

Meanwhile, the mechanism of financing housing construction is the same: the company takes a loan from a bank for construction, and the money from the sale of apartments is placed in an escrow account (it will be opened after the delivery of the house). If the latter is replenished in a timely manner, the rate for the developer is gentle; if not, it grows up to market marks, eating up the profitability of the project, said Alexander Mishustin, Chairman of the Board of the Union of Builders of the Altai Territory.

The head of the development company “My House” Pavel Knyazev confirms that developers are in difficult conditions:

“We need to maintain sales, fill escrow accounts. Now it is the plateau when we, developers, can not raise prices for new buildings. We are waiting for inflationary easing, reduction of the Central Bank rate. Only then can there be a marked increase.”.

In the real estate market, the time of the consumer is formed, but, like any other stage, it will pass. You don't have to go far behind an example.

Anatoly Zakharov, director of the office of the federal real estate company “Cities” in Barnaul, says: in 2025, developers for various reasons had a difficult time, and for the sake of sales they used different tools and stopped the price increase:

Closer to the autumn, the market entered an active phase, and developers immediately played back, raising prices at once by 8-10%. And as a result, the price increase for the year amounted to the same 15-20%”.

The developers themselves speak about entering the plateau through their advertising messages - discounts, gifts, special mortgage products from developers with interest rate subsidies, installments with zero down payment ... Such a menu in the shopping mechanisms should be evaluated, including taking into account the prospects.

Speaking about the state of the market, Pavel Knyazev notes: Individual solutions are definitely there. For example, there are many mortgage products from developers with subsidized rates for both preferential and commercial mortgages. It is necessary to look for suitable options, negotiate, buy housing and thereby fix the current price of the lot, and the next step is to refinance the mortgage.

Mortgages with optimism

Indeed, mortgage as the main tool for buying a home today is expensive. Moreover, the media is full of headlines: the new terms of the preferential family program have reduced the number of those to whom it is available.

But if you look closely, you can find your niche. If until now in the Altai Territory, this program with a rate of 6% per annum was valid for families with two children under 18 years old, now those who have one child under the age of seven can use the benefit. In this case, the rate will be higher than the previous one – 10% per annum, but it is significantly lower than the commercial offers of banks.

What if there are more children in the family? Then the rate goes down. With two children, lend at 8%, with three - at 6%, with four - at 4%, with five or more - at 2%. The maximum loan amount is 10 million. That is, today large families can take an unprecedentedly cheap loan – in fact, pay for their new housing in installments for the next 15 or even 30 years. The latter is possible if you buy housing from a developer who is ready to subsidize a loan.

In addition, it is still relevant IT-mortgage at 6% per annum (the media reported its possible cancellation). To get it, you need to be an employee of a company with appropriate accreditation in the Ministry of Information. And there are also special offers from developers and partner banks. And this is not only installments without overpayments for the construction period, but also different mechanics of purchases.

However, those who are not eligible for preferential programs can take advantage of the basic commercial offers of banks. And that's what many people are already doing, because interest rates are constantly decreasing. If at the key rate of the Central Bank in 2024 at 21%, the commercial rate reached 30% per annum, now the situation is different. "Key" fell to 14% per annum. According to the baseline scenario, SberSib, by the end of the year it may fall to 13.75%, according to the optimistic - to 12.5%, writes RBC.

This means that the commercial rate will also be “tree”. Today it is about 18% per annum, tomorrow it will be less. And when the “key” drops to, say, the target 10%, at which the real estate market will enter an active phase (experts are sure of this), you can turn to refinancing programs. They always work and, with skillful use, significantly reduce the current payment and the amount of overpayment for the loan as a whole.

Prices will rise

But the main thing - even if at the moment the growth of housing prices is suspended, for a long period of time or in unique niches, real estate is growing in price. According to the website our.house.rf, if real estate from the developer in the Altai Territory in September 2021 cost 90 thousand rubles per square meter, then in September 2026 - 143 thousand.

Yes, without the massive subsidized loans that we lived with from 2020 to 2024, two-fold and more significant growth is not expected. But the positive dynamics is programmed by the entire economy (because, by the way, real estate investment remains the main way to save money). When buying a lot, the price for the owner is fixed at the moment.

Will the purchased lot go up later? It is worth studying the change in prices in the secondary housing market. According to the portal barnaul.restate, the average “secondary” adds 16.3% per year. This has been the trend over the past five years, and there has been no decline throughout the period of protracted and deep recessions. In real terms, the “square” in finished housing from August 2021 to July 2026 has risen in price from 67.5 to almost 142 thousand rubles (+ 110%).

What's in practice? Recently, the head of the Academy of Sciences “Dynasty 24” Dmitry Dvoroyadkin cited in the media such a case: against the background of the current shortage of supply in the market of ready-made housing, the price of an apartment for a week increased by a million. It was a lot from the owner in a new house with an area of 40 "squares". At the start, it was estimated at 6-6.3 million rubles, but the shaft of those wishing to see the apartment allowed eventually to conclude a deal for 7.3 million.

It is clear that these figures are the average temperature in the hospital. It will be corrected by different factors. What will push you up is an exclusive location. Something that can't be repeated. For example, a couple of hectares in the center of Barnaul overlooking a multi-storey building, next to a business, cultural, recreational and educational center – must-have. The ideal basis for price growth. A similar LCD, but in the thick of a dilapidated private sector, already looks more modest.

Why not secondary?

If the question of housing has become an edge, of course, the purchase of a ready-made "habited" apartment is estimated. To stop by right after the deal. What do the experts say about this? So, Dmitry Dvoroyadkin admits: “Secondary” finds a buyer, but new options are sold especially quickly.

Why is that? Because the residential complex of the new generation and the houses built in the Soviet period, in the 1990s, 2000s and even later, differ from each other, as “Zhiguli-penny” from the new “Europeans” and “Chinese”. With the Soviet heritage, everything is clear - old walls, boring and uncomfortable layouts, unkempt yards, the battle for a tiny number of parking lots. And it's all in a gray box of concrete and shops around the corner.

What to say about later LCDs? Here you can find architecture in a style called corpora (capitalist romanticism). Then developers indulged in creative impulses, and “from under their pen” came out unique buildings.

“But at the same time, the functionality of projects in the style of caprom was pushed to the background. Sometimes so much so that inside such buildings were uncomfortable for living or some activity. This approach is unacceptable now. The economy works in a different way: an apartment needs to be sold, and very bad options don’t work, says architect Alexander Dering.

Marina Rakina, President of the Union of Realtors of Barnaul and Altai, states: housing in houses built in the 2000s is estimated by owners very expensive. Because the house is relatively fresh, and a lot of money was invested in the repair. Except it's hard to sell. People think differently about comfort.

They have no desire to hide behind closed doors. They consider their housing not only purchased "squares", but also what is beyond the threshold. This is about architecture, and about the interiors of the lobby and lounge areas, and about the set of retail and catering in real walking distance. Plus warm underground parking lots, kellers, etc.

Why the new building?

So why is it that apartments under construction are a priority? First, as already mentioned, the mortgage "squares" from the developer is, and it works. Secondly, each generation of new buildings is more progressive than the previous ones: three or four years ago, much more modest LCDs were introduced than are announced now.

In the pursuit of customer loyalty, developers have grown, and their product has become more complex and, as a result, more interesting. Now the buyer is offered not square meters, but a script for life, programmed in concrete.

“In the morning you wake up, go out to a beautiful private yard, take the child to the children’s leisure center, come to the office through the parking or yard, dine in a cafe, in the evening spend time in a view restaurant of a five-star hotel,” said Irina Divnogorskaya at the presentation of the social quarter “Colosseum” developer “My House”. On the first floor you have shops and other retail. You live a full life in one location, without moving around the city, saving your time and energy. This is very valuable to us.”.

What's the result? As a result, even before the official start of sales of apartments in the first tower of this complex on pre-booking was about 40% of lots. The buyers were those who were waiting for a project that would meet their idea of a modern complex. Investors also came, reacting to a number of trends, including signals of lower deposit rates from a peak of 24% to the current 12-13%.

What's interesting about the new LCD?

The bet on the multifunctionality of complexes is made by many developers. Shops, points of issue of marketplaces and cafes in their LCD are already a minimum program. Now there are full-fledged fitness clubs with swimming pools for active swimming, SPA, locations for kindergartens and clinics (of course, with compliance with all SanPiNs for premises). Even a five-star hotel can be located in the logic of the project, and so that its service can be used by residents of apartments.

Such projects are an argument for new network retailers to come to the city. On the eve of the media reported: Barnaul is waiting for the opening of the store chain “Golden Apple”. I would like to see "Tasteville" opened, say the townspeople.

Another point for the pride of the new LCD is the improvement of the territory. Not so long ago, the delegation of the urban tour on new buildings of Barnaul (organized by the Union of Builders of the Altai Territory) visited two newly built residential complexes - Opera Residence and HSE. In both cases, the improvement of the territory has become one of the priority advantages.

Developers, together with specialists, developed dendroplanes, planted dozens of species of trees and shrubs, selected so that their yard was cozy and colorful all year round. Walking in such a location is a separate pleasure. Moreover, the architecture of houses began to be often planned so that residents received a private courtyard, closed from city noise and with organized access control. This is about safety and the environment.

About the future with love

What is important and obvious: new LCDs are created in the logic of modern man. Have you noticed that meetings with friends in cafes and restaurants have become more frequent than gatherings at home? Developers have noticed and are building restaurants for us. Have you noticed that it’s better to focus on coworking than in your own bedroom, where you think about anything, but least of all work? Developers have noticed and are building lounge zones for us. All this becomes the added value of the purchased “squares”.

A separate line are options with care for those who are still growing, but tomorrow will become an adult citizen. With childcare. In the same urban tour, the participants saw how colorful, exciting, exciting, and inviting to the game can be children's play complexes: with tunnels, a variety of swings, slides, gazebos. And also that strollers, bicycles and scooters can now be left in a special room, and it can also be beautiful, etc.

But the main thing is that such an apartment definitely claims to be the capital for the family and its children. Rent out? Please. If we are talking about a new building in the city center and within walking distance from universities, then it is definitely useful for a student. The same studio or “odnushka” can be rented for 40 thousand rubles a month. If you now look for offers from the developer or look at his partner real estate agencies, then such a lot can be found for 6 million rubles. Simple arithmetic indicates a payback in 12-13 years.

What are we talking about? The fact that the scripts imposed by someone are not a reason to give up your dreams. If there is an apartment in a new house, where you feel at the height, then you should at least personally learn about the possible options for yourself. Ask questions about discounts and promotions, find out what credit programs or subsidies can be counted on, what developers generally offer today. Good luck shopping.