Apartments in new buildings in Kazakhstan
New buildingsin Kazakhstan: buy an apartment from a developer without intermediaries
On NATUMBE.KZ you will find 0 listings relevant offers from owners, developers and trusted agencies. Ads with photos, square footage and full information about the house. Search for apartments on the map, by price, area, area and other parameters. Family mortgage 6%, escrow accounts, transparent terms of the transaction.
New buildings {region.in }: a profitable purchase without intermediaries
Buying an apartment in a new building is an investment in modern housing with new communications, thoughtful layouts and developed infrastructure. New buildings in 2026 {region.in They are especially attractive due to preferential mortgages, escrow accounts and a large selection of facilities from reliable developers.
On NATUMBE.KZ we have collected0 listings of current adsabout the sale of apartments in new buildings {region.in }. From compact studios of 25 m2 to spacious penthouses of 120 m2, you will find a solution for every budget and family composition. Ads from owners, developers, and trusted agencies with photos, footage, and information about the house.
Our portal allows you tocheap to buy an apartment in a new building by selecting offers without intermediaries. Direct contact with the seller saves 2-4% of the transaction value, which is 150-300 thousand rubles. , in an average apartment. All objects are moderated: we check documents, photos and descriptions, we filter out duplicates and suspicious offers.
In this guide, we will analyze everything: the classes of new buildings, the stages of construction and when it is more profitable to buy, the mortgage programs of 2026, how to choose a reliable developer, what DDU and escrow accounts are, how to accept an apartment from a developer. We have analyzed hundreds of real transactions and gathered the expertise of equity investors, realtors and lawyers {region.in }.
Why is it profitable to buy an apartment in a new building?
New buildings have a number of significant advantages over the secondary market. Let's look at the 8 main reasons why buyers choose new housing.
Preferential mortgages of 6% and 5%
The main advantage of new buildings in 2026 is access to preferential programs.:family mortgage 6%(for families with a child under 6 years old),IT mortgage 5%(for IT specialists). The difference in overpayment over 20 years can reach8-12 million ₽compared to a market mortgage, 18-22% is for secondary use.
Escrow accounts protect money
Since 2019, all DDA transactions in Russia are conducted throughescrow accounts. Your money is kept in the bank until the house is delivered. If the developer goes bankrupt or does not rent the house, the money will be returned. Previously, buyers lost millions when a developer went bankrupt.
New communications and technologies
Everything is new in the new building: pipes, wiring, elevators, windows, heating. No surprises like rusty pipes or aluminum wiring. Modern energy efficiency standards reduce utility bills by 20-30%.
Modern euro-layouts
The new buildings are designed to meet modern needs: large kitchens-living rooms (18-30 m2), separate bedrooms, walk-in closets, two bathrooms, loggias. No narrow "trailers" and cramped kitchens of 5 m2.
Developed infrastructure of the residential complex
Modern residential complexes are being built with their own infrastructure: kindergartens and schools on site, parking lots, courtyards without cars, sports and playgrounds, shops and cafes on the ground floors. Everything is within walking distance.
Price increase after delivery
An apartment purchased at the excavation stage becomes more expensive by20-30%after the house is rented. This makes the new building not only housing, but also an investment. After 2-3 years, you can sell it at a profit or use it as capital for expansion.
Finishes to choose from
In new buildings, you can choose the finishing level.:rough draft(savings, but repairs are needed),pre-clean / white box(ready for finishing),finishing(come and live). Finishing from the developer saves 800,000 — 1.5 million rubles on repairs and allows you to move in immediately.
Classes of new buildings: from economy to premium
New buildings in {region.in } are represented in all housing classes. Understanding the classes will help you choose the best value for money.
| Class | Price m2 | Materials | Layouts | Infrastructure | For whom |
|---|---|---|---|---|---|
| Economy | 100-150 thousand ₽ | Panel, budget materials | Simple, 8-10 m2 kitchens | Basic: parking, courtyard | First home, investment |
| Comfort | 150-200 thousand ₽ | Monolith-brick, improved finish | Euro-format, kitchens-living rooms | Enclosed courtyards, parking lots, kindergartens | Young families, professionals |
| Business | 200-280 thousand ₽ | Monolith, premium finish | Spacious, two bathrooms, walk-in closets | Concierge, fitness, underground parking | Wealthy families |
| Premium | 280+ thousand ₽ | Exclusive materials, author's architecture | Individual, panoramic windows | 5-star service, privacy | The elite, connoisseurs of exclusivity |
Features of each class
Economy class
Affordable housing for the first purchase. Panel houses, simple layouts, basic infrastructure. Advantages: low price, fast construction time (1-2 years). Cons: budget materials, high building density. Ideal for a start-up or a short-term investment.
Comfort class
The most popular segment in {region.in }. Monolith-brick, euro-layouts, enclosed courtyards without cars, underground or multi-level parking lots. Kindergartens and schools are often built on the territory. The optimal price-performance ratio for families.
Business class
Premium housing for wealthy buyers. Monolithic houses with individual architecture, concierge service, fitness centers, underground Parking, landscaping of courtyards. Spacious apartments with two bathrooms and walk-in closets.
Premium class
Exclusive accommodation in the best locations {region.in }. Original architecture, expensive materials, 5-star service, privacy. Often there are clubhouses with 20-50 apartments. The high price is offset by exclusivity and status.
Stages of construction: when is it more profitable to buy?
The price of an apartment in a new building depends on the construction stage. The earlier the purchase, the lower the price, but the higher the risks and the longer the wait. Let's analyze all the stages.
Excavation stage (start of sales)
Price:20-30% lower than after delivery.Expectation:2-3 years old.Risks:the maximum ones are bankruptcy of the developer (protected by an escrow account), delay in deadlines, and project changes.For whom:investors, those who want maximum benefits and are ready to wait. Ideal for buying for rent.
Frame stage (30-50% ready)
Price:10-15% lower than after delivery.Expectation:1-2 years old.Risks:moderate — the house is already under construction, progress is visible.For whom:those who want a balance of price and risk. The optimal choice for most buyers.
Finishing works stage (70-90% ready)
Price:5-10% lower than after delivery.Expectation:6-12 months.Risks:minimal — the house is almost ready, the result is visible.For whom:those who want to stop by soon and are willing to pay a little extra for speed.
After the house is rented out
Price:market value (maximum).Expectation:No, come right in.Risks:minimal — the house is rented, you can view the apartment live.For whom:those who need housing right away, without waiting. You can buy both from the developer and from the owners who have already received the keys.
Buying strategies by stages
Investment strategy
Buying in the excavation → waiting 2-3 years → selling after delivery with a profit of 20-30%. The risks are minimized by the escrow account. Ideal for investors and those who plan to expand in a few years.
Housing strategy
Purchase at the stage of finishing works → waiting 6-12 months → check-in. Balance of price and speed. It is optimal for families who need housing in the near future, but not right now.
Urgent strategy
Buying after renting a house → check-in immediately. The maximum price, but zero waiting time. Suitable for those who need a place to live right now: moving, expanding their family, selling an old apartment. You can buy both from the developer (the remnants) and from the owners who have already received the keys.
Mortgage for new buildings in 2026: programs and conditions
The main advantage of new buildings is access to preferential mortgage programs. In 2026, this makes the purchase of a new home much more profitable than a secondary one. Let's analyze all the available programs.
The main mortgage programs of 2026
| Program | Bet | Initial payment | Max. the amount | For whom |
|---|---|---|---|---|
| Family mortgage | 6% | from 20% | 12 million ₽ (Moscow/St. Petersburg) / 6 million ₽ (regions) | Families with a child under 6 years old or a disabled child |
| IT mortgage | 5% | from 20% | 18 million ₽ | Employees of accredited IT companies |
| Military mortgage | 5,5-7% | 0% | by certificate | NIS military personnel |
| Far Eastern | 2% | from 20% | 6 million ₽ | Young families and single people under 36 in the Far Eastern Federal District |
| Rural mortgages | 3% | from 10% | 5 million ₽ (Far Eastern Federal District) / 3 million ₽ (other) | Rural housing |
| Market (new building) | 16-18% | from 15% | without restrictions | All buyers of apartments in new buildings |
Mortgage calculation for an apartment of 6.1 million ₽
An example for an apartment worth6.1 million ₽with an initial payment of 20% (1.22 million)) and a loan amount of 4.88 million ₽ for 20 years:
| Program | Monthly payment | Overpayment for 20 years | Total cost |
|---|---|---|---|
| IT mortgage (5%) | 32 100 ₽ | 2.83 million ₽ | 8.93 million ₽ |
| Family (6%) | 35 000 ₽ | 3.52 million ₽ | 9.62 million ₽ |
| New market building (17%) | 70 400 ₽ | 12.02 million ₽ | 18.12 million ₽ |
| Secondary market (20%) | 81 900 ₽ | 14.78 million ₽ | 20.88 million ₽ |
How to get a preferential mortgage approved
- Check the program's rights.Family mortgage: a family with a child under 6 years old or a disabled child. IT mortgage: work in an accredited IT company with a salary starting from the established minimum. The child's age is checked on the date of the loan issue.
- Collect the documents.Passports of both spouses, birth certificates of children, income statement 2-personal income tax, a copy of the workbook, SNILS. For an IT mortgage, a certificate from the place of work about the status of the company.
- Apply to 3-5 banks.Conditions may vary by 0.5-1% per annum, which will save 500,000 — 1 million rubles over 20 years. Use mortgage brokers — they know the best conditions and often work for free for the borrower.
- Use maternity capital.In 2026, the maternity capital for the first child is 630 thousand rubles, for the second — 833 thousand rubles. You can use it for an initial payment or early repayment of the mortgage.
- The payment should not exceed 40-50% of the income.Banks take into account the income of both spouses. It is important for a large family to have a stable source of income. Prepare a financial cushion for 3-6 months of payments.
Escrow accounts and the choice of the developer: security of the transaction
Buying in a new building is associated with risks: delayed delivery, bankruptcy of the developer, quality inconsistency. But modern protection mechanisms and the right choice of developer minimize these risks.
🛡️ Escrow account: how it works
Starting from July 1, 2019, all DDA transactions in Russia are conducted throughescrow accounts. This has dramatically changed the market and protected buyers.
You deposit money into an escrow account
When buying an apartment under the DDA, you do not give the money to the developer directly. You deposit them into a special account with an authorized bank. This moneyfrozenbefore the house is rented.
The developer builds with his own or credit funds
The developer cannot use your money for construction. He builds with his own funds or a bank loan. This excludes the situation when the developer collected the money and disappeared.
After the house is handed over, the money goes to the developer.
Only after obtaining permission to put the house into operation and registering the ownership of the first shareholder, the money from the escrow account is transferred to the developer.
If the house is not rented, the money is returned to you.
If the developer goes bankrupt or does not deliver the house on time, you get your money back from the escrow account. This is the main difference from the period before 2019, when buyers lost millions.
, How to choose a reliable developer
- The history of the commissioned objects.Check how many houses the developer has already commissioned, and whether there have been any delays. Large federal developers (PIK, LSR, Airplane Group, FGC) are usually more reliable than small regional ones.
- The registry of problematic objects.Check if the developer's properties are listed in the problem registry on the our.dom website.RF. If there is, avoid it.
- Financial indicators in the UIC.Unified information system of housing construction (our.dom.Russian Federation) contains data on all developers: financial indicators, deadlines, quality.
- Work through escrow accounts.All modern new buildings must operate through escrow. If the developer offers direct payments, this is a red flag and a violation of the law.
- Reviews from shareholders.Read reviews on forums, social networks, and review sites. Pay attention to the complaints: quality of construction, deadlines, handling of claims.
- Legal purity.Check the developer's court files (the website of the court at the place of registration), the absence of bankruptcy procedures, and the availability of construction permits.
- Building permit.The developer must have a construction permit for a specific facility. Check it on the website of the city administration.
- They offer direct payments without an escrow account (violation of Law 214-FZ)
- Objects in the registry of problematic on our.dom.rf
- Numerous court cases with shareholders
- Bankruptcy or reorganization procedure
- There is no construction permit
- Too low a price (30%+ below the market) is a sign of problems
- Negative reviews about the quality of construction and deadlines
Equity Participation Agreement (DDU): what to check
DDU is the main document when buying an apartment in a building under construction. It is regulated by Law 214-FZ and protects your rights. But you need to check all the points carefully before signing.
Mandatory DDU points
- The object of the agreement.A clear description of the apartment: address, floor, apartment number on the site, area, number of rooms, loggia/balcony. Check the compliance of the project documentation.
- The price of the agreement.Fixed price per apartment and price per square meter. The price cannot be changed unilaterally after signing. The currency is registered (rubles).
- The deadline for the transfer of the apartment.A specific date or quarter of the apartment transfer. The developer must notify you one month before the transfer. For delay — a penalty of 1/150 of the Central Bank rate for each day.
- Warranty obligations.The warranty for the construction of the house is 5 years, for engineering systems — 3 years. The developer is obliged to eliminate defects at his own expense within the warranty period.
- Payment procedure.Through an escrow account. The bank, account number, and terms of funds placement are specified. There should be no direct payments to the developer.
- The order of acceptance of the apartment.The procedure for transferring an apartment, the procedure for fixing defects, and the time frame for elimination. The possibility of attracting a specialist for acceptance is prescribed.
What to pay special attention to
- Acceptable deviation of the area.Usually up to 5% in either direction. If the area turned out to be smaller, the developer returns the difference. If it's more, you pay extra. Check this item.
- Conditions for changing the project.The developer cannot change the layout without your consent. If there is such a clause in the contract, this is a red flag.
- Late payment penalties.Check if there is a penalty for late delivery. By law, it is 1/150 of the Central Bank rate for each day of delay.
- Termination conditions.You can terminate the contract at any time. The developer is obliged to refund the money from the escrow account. Check if there are any hidden termination penalties.
- The right of assignment.You can sell the apartment by assignment of rights before renting the house. Check if there are any restrictions on assignment in the contract.
Layouts and finishes in new buildings
Modern new buildings offer a variety of layouts and finishing levels. Let's look at what to choose for a comfortable life.
Popular layouts in new buildings
Euro format (kitchen-living room + bedrooms)
The most popular format in modern LCD. Large kitchen-living room (18-30 m2) + separate bedrooms. Advantages: more common space, modern zoning, flexibility. Euro-one-bedroom, euro-two-bedroom, euro-three—bedroom - by the number of bedrooms.
Classic layouts
Separate kitchen (8-12 m2) + separate rooms. They are found in economy class and some comfort class projects. Advantages: the isolation of the kitchen, the familiar format. Cons: less common space.
With bay window or panoramic windows
Panoramic floor-to-ceiling glazing, bay windows with views of the city or park. Provides maximum light and visual space. It is popular in comfort and business class. The price is 10-15% higher than its counterparts without a bay window.
Penthouses and duplex
Apartments on the top floors with terraces, high ceilings (3-4 m), panoramic views. Duplex apartments are rare, but they are found in business and premium class. Exclusive accommodation at a high price.
Finishing levels from the developer
| Level | What is included | Price | For whom |
|---|---|---|---|
| Rough finishing | Walls, floor, wiring, windows, front door. Without finishing materials. | Included in the price | Those who want to make repairs for themselves are ready to invest 800 thousand — 2 million ₽ |
| Pre-cleaning (white box) | Leveled walls, floor screed, electrical wiring, plumbing, ready for finishing. | +5-10% of the price | Those who want to save on rough work, but choose the finishing materials themselves |
| Finishing touches | Fully finished apartment: wallpaper, laminate, tile, plumbing, interior doors, kitchen. | +15-25% of the price | Those who want to come right away, without repairs. Saves 800 thousand - 1.5 million rubles on repairs |
Acceptance of an apartment from a developer: a checklist
Apartment acceptance is an important stage at which all defects need to be fixed. The developer is obliged to eliminate or compensate them. Do not sign the acceptance certificate until you have checked everything on the checklist.
What to check during acceptance
- Geometry of walls and floors.Check the level of the walls and floor screeds. Acceptable deviations: walls — up to 3 mm per meter, floor — up to 5 mm per 2 meters. Large deviations will require alignment at your expense.
- Windows and doors.Check the operation of all windows: opening, closing, fittings. Check the seals, no drafts. The doors should open without jamming.
- The electrician.Check all sockets (by charging or using a tester), switches, and lighting terminals. Check the operation of the electrical panel and automatic machines.
- Plumbing and water supply.Check the operation of risers, taps, and counters. Open the taps — the water should run smoothly. Check the sewer system for blockages.
- Ventilation.Attach a piece of paper to the ventilation grate — it should stick. If not, there is no traction, this is a defect.
- Heating.Check the operation of the radiators, the absence of leaks. Radiators should be hot during the heating season.
- Compliance of the layout with the project.Compare the actual layout with the plan in the DDU. Check the area (it may vary by up to 5%), the location of the rooms, and the presence of a loggia/balcony.
- The quality of the finish (if any).Check the quality of wallpaper, laminate, tiles, and painting. Record all defects in the report.
Trends of new buildings in 2026: what will happen next
The market for new buildings is constantly changing. Understanding trends will help you make the right strategic decision — when to buy, what to buy, and in which area.
Preferential mortgages stimulate demand
A family mortgage of 6% and an IT mortgage of 5% make new buildings affordable. This increases the demand for new buildings by 15-20% per year. Forecast: the trend will continue until 2030.
Euro-layout — standard
New residential complexes are increasingly being designed with Euro layouts: large kitchen-living room + bedrooms. Classic layouts with a separate kitchen are becoming a thing of the past. When buying on the secondary market, the euro format is more liquid.
Eco-standards and energy efficiency
Modern residential complexes are increasingly being built with high energy efficiency standards: insulated facades, heat recovery, solar panels. This reduces utility bills by 20-30%.
Smart home and digitalization
Modern residential complexes are equipped with smart home systems: smart meters, video surveillance, video intercom, heating and light control. This is becoming the standard in comfort and business class.
Infrastructure inside the residential complex
Developers are increasingly building schools, kindergartens, clinics right in the residential complex. This makes new buildings especially attractive for families — there is no need to take children all over the city.
Growing demand for family formats
Government programs to support families stimulate demand for euro-twos and euro-threes. Forecast: demand for family formats will grow by 12-15% per year until 2030.
Forecast for 2027
Experts NATUMBE.KZ predict the following trends for 2027:
- Price increase by 5-8%in the segment of new buildings. New buildings are becoming more expensive steadily due to preferential mortgages and family demand.
- Market mortgage rates will decrease to 14-16%, which will increase the demand for new buildings without benefits.
- New buildings will remain more popular than secondary onesthanks to the family mortgage, escrow accounts and modern quality.
- Residential complex infrastructure development:Developers are increasingly building schools, kindergartens and clinics right in the residential complex, which makes new buildings even more attractive for families.
- Digitalization of transactions:electronic DDU registration, online acceptance, and digital LCD management services will become the standard.
New building or secondary: an honest comparison
This is the eternal question of buyers. Both options have their advantages and disadvantages. Let's compare objectively by key criteria.
| Criteria | New building | Secondary |
|---|---|---|
| Price | 10-20% higher | Cheaper |
| Mortgage | Preferential 5-6%, market 16-18% | Only the market 18-22% |
| Mortgage overpayment for 20 years | 3-12 million ₽ | 12-15 million ₽ |
| Waiting time | 1-3 years (if under construction) | No, come right in. |
| The state of communications | New, modern | Old ones, may need to be replaced |
| Layouts | Modern Euro format | Outdated (small kitchens, adjoining rooms) |
| Infrastructure | It develops, often its own in the residential complex | Already established |
| Legal risks | Minimum (escrow account) | High (history, encumbrances) |
| Repair | Often unnecessary or minimal | Capital repairs are often required. |
| Utility bills | 20-30% lower (energy efficiency) | Higher (old standards) |
| Liquidity | High (increases after delivery) | Stable |
When to choose a new building
- You are eligible for a preferential mortgage (family 6%, IT 5%)
- Are you ready to wait 1-3 years before delivery
- Do you want modern layouts and communications
- Are you planning to live in an apartment for 10+ years
- Do you want to minimize legal risks
- Consider it as an investment (price increase after delivery)
When to choose a secondary
- We need housing right away, without waiting
- No right to a preferential mortgage
- Do you want an established infrastructure
- Budget is limited (resale is 10-20% cheaper)
- Do you prefer a specific area with a history
- Ready for major repairs
Customer reviews of new buildings in {region.in }
Real stories of people who bought apartments in new buildings using NATUMBE.KZ. Their experience will help you make a decision.
"We bought a two-euro apartment in a new comfort-class building on a 6% family mortgage. Payment — 34 thousand rubles/month. Kitchen-living room of 22 m2 + bedroom. A year later, the house was rented, we stopped by right away. The price increased by 18% after delivery. We are very satisfied!"
"We bought a three-piece at the excavation stage for 5.2 million rubles. After 2.5 years, the house was rented out — the apartment costs 7.1 million rubles. The profit is 1.9 million rubles, excluding the fact that they lived in their apartment. Excellent investment + housing."
"We bought an apartment in a residential complex with ready-made infrastructure: a school and kindergarten on site, Parking, a courtyard without cars. This is critical for a family with two children. No need to take the kids anywhere. We've been living for a year now, and we're very happy."
"We used the maternity capital (833 thousand)) as part of the initial payment + a family mortgage of 6%. We bought a three-euro apartment in a new building. Savings on mortgage overpayments — 9 million rubles over 20 years compared to the market rate. A huge benefit!"
"We bought an apartment with a high-quality finish from the developer. We stopped by immediately after delivery, without repair. The finishing quality is excellent — wallpaper, laminate, tile, plumbing are all new. We saved 1.2 million ₽ on repairs and 3 months of time."
"I bought as an investor. I checked the developer according to the Unified Housing and Communal Services, the history of commissioned objects, and escrow accounts. I bought it at the excavation stage. The house was delivered on time. I sold it a year after the handover with a profit of 22%. I'll buy more."
Frequently Asked Questions
We have collected answers to 12 of the most popular questions about buying new buildings. If there is no question, ask it in the support chat NATUMBE.KZ.
In 2026, new buildings are often more profitable than secondary ones due to preferential mortgages: a family mortgage of 6%, an IT mortgage of 5%. The difference in overpayment over 20 years can reach8-12 million ₽. However, a new building requires waiting 1-3 years before completion. If you need housing right away, resale is more optimal. If you have the right to a preferential mortgage, a new building is definitely more profitable.
An escrow account is a special bank account where the buyer's money is kept until the house is delivered. Since 2019, all DDA transactions in Russia have been conducted through escrow accounts. This protects the buyer: if the developer goes bankrupt or does not rent the house, the money will be returned to the buyer. Previously, buyers lost money when a developer went bankrupt. Escrow accounts have made the purchase in a new building much safer.
At the excavation stage, the price for20-30% lower than after the handover. However, this is the maximum risk: waiting 2-3 years, the risk of bankruptcy of the developer (minimized by an escrow account). At the frame stage, the price is 10-15% lower. After delivery — the market price. The optimal balance of price and risk is the stage of active finishing works (70-90% readiness).
In 2026, new buildings are available:family mortgage(6%) for families with a child under 6 years old or a disabled child;IT mortgage(5%) for employees of accredited IT companies;military mortgage; Far Eastern mortgage (2%); rural mortgages(3%); regional programs. The market mortgage for new buildings is 16-18%.
Check it out:1)the history of completed objects (term, quality),2)the presence of objects in the registry of problematic ones on our.dom.RF,3)financial indicators in the UIC,4)working through escrow accounts,5)reviews from shareholders,6)legal purity (court cases, bankruptcies),7)availability of permits. Large federal developers are usually more reliable than small ones.
DDU (equity participation agreement) is a contract for the purchase of an apartment in a building under construction. According to the DDA, you get the right to claim an apartment after the house is rented. A purchase and sale agreement is the purchase of an apartment that has already been built and rented. The DDU is registered in Rosreestr, protected by Law 214-FZ and an escrow account. Remote control is more cost-effective (10-30% cheaper), but requires waiting.
Main classes:economy(budget materials, simple layouts, 100-150 thousand ₽/m2),comfort(improved layouts, enclosed courtyards, parking lots, 150-200 thousand ₽/m2),business(premium finishes, concierge service, 200-280 thousand ₽/m2),premium(exclusive projects, 5-star service, 280+ thousand ₽/m2). In {region.in } there are 0 listings offers in all classes.
Three levels:rough finishing(walls, floor, wiring of communications — without finishing materials),pre-clean / white box(leveled walls, screed, electrical wiring, ready for finishing),finishing(fully finished apartment with wallpaper, laminate, plumbing, tiles). Finishing saves 800,000 — 1.5 million rubles on repairs.
Apartment acceptance is an important stage. Check: the geometry of walls and floors, the quality of windows and doors, the work of electrics and plumbing, ventilation, compliance with the layout of the project, the area (may vary up to 5%). All defects are recorded in the acceptance certificate. The developer is obliged to eliminate or compensate them. It is better to invite a specialist for acceptance — 5-10 thousand rubles.
The main risks:1)delayed delivery of the house (solution — escrow account and checking the reputation of the developer),2)bankruptcy of the developer (protected by an escrow account),3)non-compliance with the declared quality (acceptance with a specialist),4)changing the layout or square footage (check at the acceptance),5)long-term construction (choosing a reliable developer). Escrow accounts have minimized risks compared to the period before 2019.
Yes, maternity capital can be used: as part of the down payment on the mortgage, for early repayment of the mortgage, for direct payment of the loan. In 2026, the maternity capital for the first child is 630 thousand rubles, for the second — 833 thousand rubles. For new buildings, this is especially advantageous in combination with a family mortgage of 6%. Savings on overpayments over 20 years can reach 8-12 million ₽.
2026 is a good time to buy a new building.Prices have stabilized after the peak of 2023-2024, preferential mortgages make purchases affordable, and there is a large selection of properties. The forecast for 2027 is a 5-8% price increase. If you have the right to a family or IT mortgage, a new building is especially beneficial. Buying at the excavation stage gives a 20-30% discount.
Modern new buildings are populareuro-layouts: large kitchen-living room (18-30 m2) + separate bedrooms. Advantages: more common space, modern zoning, flexibility. For a family with children, a three-bedroom apartment is optimal: kitchen-living room + 3 bedrooms. Avoid narrow "trailers" and rooms less than 3 m wide.
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