The benefits of moving out of town: why it is worth Considering.
If you have been thinking about moving out of town, then you are certainly not alone in your thoughts. Fresh air, silence and the opportunity to own your own home are just a few of those factors that can be attractive reasons to move outside the city limits.
Health - is what most people associate with when thinking about life outside the city. This is quite fair. Outdoor recreation, fresh air and a calm environment can significantly affect your physical and emotional state. It will be easier for you and your family to relax and take a break from the hustle and bustle of the city and recuperate.
Having your own house outside the city provides great opportunities for children. Independent walks, active outdoor games and communication with nature – all this contributes to healthy development and a happy childhood.
Outdoor recreation will no longer be a problem when you have your own plot outside the city. You will be able to enjoy nature from windows, and spending the weekend outdoors will be an easy and enjoyable activity.
One of the obvious advantages of living in your own home is the ability to create comfort and coziness to your liking. You determine the layout of the house, its design and arrangement, which allows you to create the perfect space for your family.
In addition, living in the country provides an opportunity to develop your business skills. You will be able to grow your own vegetables and fruits, engage in floriculture, as well as create cozy corners for relaxing on your property.
However, it is worth remembering that moving out of town brings certain difficulties. The lack of infrastructure, the distance from medical institutions and schools – all this must be taken into account when making a decision about moving.
Nevertheless, modern cottage settlements offer all the conditions for a comfortable life outside the city. The developed infrastructure, the availability of medical centers and schools in the villages make life outside the city more attractive and convenient.
Thus, moving out of town is not only an opportunity to enjoy nature and the comfort of your own home, but also a chance to develop new skills, gain freedom from the hustle and bustle of the city and ensure a healthy and happy childhood for your children.
How to purchase or build a country house with the help of preferential programs. Nowadays, all governmental preferential programs make such a deal available to everyone. Let's look together at what opportunities there are in the mortgage loan market for the purchase or construction of a country house.
The most common option is a mortgage for the purchase or construction of a private house. Most large banks offer such products, and the conditions for them may vary. Usually, the initial payment for such programs starts from 20-30%.
However, along with market mortgages, there are also preferential programs. For example, the state-support Mortgage program offers a rate of only 8% per annum. At the same time, the initial payment is 30%, and the maximum loan amount is 6 million rubles for all regions. This program is valid until July 1, 2024.
If you are a married couple and have a child, then the Family Mortgage program with an interest rate of 6% per annum may be suitable for you. The minimum down payment here is 20%, and the maximum loan amount is 6 million rubles (with the exception of Moscow, the Moscow region, St. Petersburg and the Leningrad Oblast’, where it is more than 12 million rubles). This program is also valid until July 1, 2024.
In addition to mortgage programs, other benefits can be used when purchasing or building a house. For example, maternity capital can be used as a down payment on a mortgage or to pay off the main debt. Also, the payment of 450 thousand rubles is available to large families to repay the mortgage.
Do not forget about tax deductions, which allow you to return part of the costs of building a house and paying bank interest on a mortgage. In total, they can be refunded almost 650 thousand rubles.
Thus, the purchase or construction of a country house becomes available through various preferential programs. We hope that this information will be useful for you. Remember that each program has its own limitations, so you should carefully study all the conditions before making a decision.
Our real estate agency Nevsky Prostor is ready to help you choose the ideal option that will fully satisfy your needs.
We fully understand that choosing a property is a serious decision, so our experts are always ready to provide you with all the necessary information and help you make the right choice. We are sure that each client deserves an individual approach, so we are ready to listen to your wishes and offer the best options.
If you have any questions or need help, do not hesitate to contact us. Our managers are available for communication by phone:
+7 (812) 325-38-38 (from 9-00 to 21-00 on weekdays; from 10-00 to 18-00 on weekends and public days)
+7(964) 925-30-38 (WhatsApp)
We are always ready to help you with the choice of real estate, answer your questions and provide all the necessary information. Our goal is to make the process of choosing a property as comfortable and efficient as possible for you.
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