Buying an Apartment Without Fear: Debunking 6 Myths That Prevent You from Becoming a Homeowner

Purchasing an apartment is one of the most important decisions in life, but this process is accompanied by numerous doubts and myths. Fears about high costs, inconvenience, or difficulties with mortgage often stop people from taking the first step. However, many of these misconceptions are simply outdated stereotypes.

Myth 1: Buying an Apartment with Renovation Is More Expensive and Inconvenient

Many believe that an apartment with finished renovation always costs significantly more than an unfinished one, and such a purchase does not give freedom of choice in materials and design. This misconception often prevents people from buying housing with ready-made finishes, although the situation is actually different.

JK "Aviator's Quarter"

Purchasing an apartment with renovation not only allows you to avoid the long and tedious process of renovation but also often costs less. When finishing work is done by the developer, its cost is lower than if you were to order services from separate renovation teams.

JK "Aviator's Quarter"

Moreover, developers provide the opportunity to choose finishing materials according to your taste, so that the apartment will suit your preferences. Buying with renovation eliminates hidden costs (material delivery, designer work, logistics) — all of this is already included in the price.

JK "Eco Buniino"

For example, the group "Samolet" offers apartments with turnkey finishing: you can not only avoid extra expenses on renovation but also include these costs in the mortgage. Important: you can choose both standard and improved finishing with materials of higher quality.

Moreover, buying an apartment with ready-made renovation saves time: you can move in immediately after receiving the keys, without waiting for the end of renovation work. You get additional comfort: usually in the first few years after the building is completed, the entrance is dirty and noisy due to renovation work, but "Samolet" has freed buyers from these inconveniences.

You can select furniture, appliances, and even decor and include all your purchases in the mortgage. Another lifehack: with the "Everything at Once" project, housing will be ready for living right now — the necessary items will fill the apartment even before moving in.

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Myth 2: It's Impossible to Handle Mortgage and Rent at the Same Time

This myth scares many potential buyers: how to pay off a mortgage for a new apartment if you still have to rent housing until the building is delivered? This seems like double financial burden, making it difficult to purchase an apartment during construction. As a result, many people refuse favorable offers, choosing to wait for the building to be delivered or consider less attractive options.

JK "Vereyskaya 41"

In reality, it's simpler than it seems. Today, there are programs on the market that allow renting housing during apartment construction, including rent in the mortgage agreement. This solution helps distribute rent expenses over the mortgage term, significantly reducing monthly costs.

JK "October 98"

Thus, "Samolet" offers a temporary living service called "Give Me Two," where the rental fee is already included in the mortgage, making the financial burden minimal. Due to the long-term mortgage term, this sum is almost unnoticeable in monthly payments and amounts to about 2000 rubles, allowing the buyer to calmly wait for construction completion without spending energy and time searching for temporary housing.

If you want to move in as soon as possible, without waiting for full mortgage processing, the "Live and Enjoy" service helps. This is a unique opportunity: you start living in an apartment with ready-made finishes, paying rent for it, which covers the initial payment. After you close the initial payment, the apartment is automatically registered in the mortgage.

Myth 3: All Areas Beyond MKAD Are Uncomfortable and Inconvenient for Living

There is a biased opinion that all residential complexes beyond MKAD are too far from civilization and lack necessary infrastructure — this makes them inconvenient for permanent residence. As a result, people strive to find housing in the city center or within MKAD, overpaying for square meters and sacrificing comfort for proximity to work or infrastructure.

JK "Ostafyevо"

Also, many buy housing in Moscow for the capital registration, which provides certain benefits. However, there is a favorable solution here — if you buy an apartment in New Moscow from the group "Samolet," the registration will be Moscow, and the price is lower while preserving all the advantages of the capital.

Moreover, many residential complexes beyond MKAD provide comfortable living conditions. The group "Samolet" places its projects in picturesque corners of Moscow and the suburbs, near green zones, rivers, and parks. In addition to the natural beauty of these locations, projects also include recreational zones, event spaces for activities, landscaped embankments, park zones, lawns for picnics and yoga sessions.

All of this creates a comfortable and multifunctional space for active and relaxing life in nature.

JK "New Vnukovo"

All social infrastructure in residential complexes is created by the developer. Schools, kindergartens, clinics, and shopping centers are built directly on the territory, ensuring comfort and convenience for residents. Shops are also located on the first floors of each building, allowing you to quickly solve all household issues.

For children and their parents, many projects include unique playhubs and sportshubs — special spaces for games and sports with equipment made to order from eco-friendly materials. These zones create a safe and developmental environment for toddlers and teenagers. All projects also feature convenient transportation access — nearby metro stations and MCD, making the journey to the center fast and comfortable.

Myth 4: All Apartments in New Constructions Are the Same and Boring

Some think that new constructions lack individuality and all apartments look the same: standard layouts and typical solutions are offered. This prejudice prevents buyers from considering new constructions as an interesting and unique housing option.

JK "Herzen Quarter"

In reality, modern new constructions offer a wide selection of non-standard solutions that meet various needs. For example, in projects by the group "Samolet," original architectural designs of buildings are used, which blend harmoniously with the surrounding environment.

JK "Coastal Park"

A unique design code can be traced not only in the exteriors of buildings but also in the interior lobbies and landscaping. In addition, residential complexes feature rare formats of apartments with master bedrooms, walk-in closets, larger windows, spacious kitchens-dining rooms, high ceilings (up to 3 meters on the top floors) and even terraces. Housing creates a feeling of spaciousness and comfort, fully corresponding to modern ideas about stylish design.

Myth 5: It's Impossible to Buy an Apartment Without an Initial Payment

One of the most common myths is the belief that it's impossible to buy an apartment, especially in new construction, without accumulated initial payment. This myth stops many potential buyers who could purchase housing but don't dare to take this step due to the lack of savings.

JK "Suburban Lesnoye"

However, there are many programs on the real estate market that allow you to buy an apartment with a minimal or even zero initial payment.

JK "Ostafyevо"

For example, in the projects of the group "Samolet," there are mortgage programs with subsidized rates and low interest (from 5.9%), as well as trade-in services that allow selling your old apartment, house, or even a car and receive an additional discount. This is a convenient solution for those who want to speed up the purchase process and avoid long-term savings.

Myth 6: Housing in New Areas Is Unsafe

Many are afraid that life in new constructions in new areas will be less safe due to insufficient security or lack of developed infrastructure. Housing becomes less attractive for families with children or elderly people.

Modern residential complexes, including projects by the group "Samolet," completely refute this myth. Each JK includes private courtyard-parks without cars with well-planned landscaping and zoning for different age groups. Separate zones for children of various ages, sports areas, and quiet rest spaces are separated by living hedges, creating a sense of safety and comfort.

JK "Coastal Park"

All complexes feature private courtyard-parks without cars with carefully planned landscaping and zoning for different age groups. Additionally, the entrance to the building is at ground level, ensuring comfortable access for people with mobility issues and parents with strollers. Through-the-door entrances with solid glazing: they are very bright and well-visible.

An important element of safety and convenience is multi-level lighting, which keeps the courtyard well-lit at all times — this is especially useful in winter when you can safely walk with a child after work even in darkness.

The courtyards really resemble parks with greenery, large-scale features, and unique playgrounds made from eco-friendly materials. Additionally, modern video surveillance and access control systems are installed, making life in such complexes not only comfortable but also safe.