The crisis has brought with it not only anxiety, but also some hope. Since its inception, people were waiting for that issue domestic construction sphere will lead to falling property prices, and that developers will start to sell their flats to be justified, the actual value.

And now, the prices get down justifiably execute a mortgage loan? People doubt that the best and most opportune moment for the purchase of housing has already occurred. And future borrowers took the fence, continuing to monitor the market and hope that prices will move even lower.

Meanwhile, the capital, developers have been slow to reduce prices, and worse of all, perhaps, will those who need one or the money, either - the apartment. Companies do not want to part with in excess of its activities. In addition, for a long time, there is the unbridled growth of average prices, developers have been able to save money, which gives them the opportunity lasted for some time, wait time of crisis. The question is whether this money long enough.

Some analysts confidently say that buying an apartment now is the time. For example, real estate prices have already fallen enough and stable, like a more proposals. Since the beginning of the crisis on mortgage rates have increased by 3-4%, but with the stabilization of the overall economic situation, they can reduce, refinance loan.

Part of specialists takes another view. They point out that today the average rate on mortgage loans are too high (17.8% per annum - in rubles, 14.3% a year - in U.S. dollars), and for the loan will need to make an initial contribution of more than 30 percent of the cost of buying an apartment. You should also be understood that the overall economic situation is not very stable, and can not predict what will happen next.

Therefore, it is not too optimistic to accept the fact that prices for apartments down to 20 or even 40%, and in the near future are unlikely to grow. In addition, prices in rubles virtually unchanged. Mortgage rates are unlikely to return to the previous level as soon: the banks in terms of external borrowing became reluctant to switch to short-term loans - consumer and automotive.

Another problem is the risk to invest in an apartment that can not be completed. Typically, companies who are at risk of bankruptcy, offer incomplete property at very low prices, which may involve short-sighted customers. Therefore, the choice of the developer also should be treated seriously.

What conclusion can be this done? On the one hand, favorable conditions for the early purchase of real estate have already been established, but the situation can only benefit those citizens who have the required amount for this, and who can afford not to take credit. Most of the other things with those who have to buy an apartment plans to get a mortgage. It is better not to do so.

Prices of real estate can still decline, but the credit can be very undesirable: while rates are high, the requirements for borrowers, banks have been slow to soften, while the income of citizens is expected to decline. So, there is a chance that the best time to buy real estate - is still ahead.