Russians have accumulated 2.7 trillion rubles to "Black Day". The unstable economic situation, provoked by a pandemic, forced citizens to postpone money, Ranghigs researchers say. The expert told how to save savings and even earn on them.
According to Ranghigs scientists, the increase in savings is also evidenced by the increase in the share of cash in cash circulation. Russians began to pay cash by 30% more often.
"Saving growth and reducing current consumption is an absolutely logical and predictable consumer behavior in any economic crisis. At the same time, interesting options for savings are less and low - the low key rate has led to the fact that bank deposits have become completely uninteresting (the rate is less inflation, increasing money on the account). There are two main alternative embodiments: in the stock market (here everyone already evaluates the tools that is closer to the ratio of income / risk) and in real estate, "says Denis Bobkov, General Director of the analytical and consulting company" Real Estate Profi ".
As the expert told, the prices for real estate in the long run are growing, and if there are falls, then on a relatively short period - up to 2-3 years maximum. If at the same time the real estate is leased, then the yield becomes even higher than just when resale.
"However, at present, the commercial real estate market (except, perhaps, warehouses) is experiencing a decline in the pandemic, but the housing market is still" on horseback. " Moreover, the available mortgage became a factor in the active growth in prices for new buildings. It is new buildings that are one of the obvious ways to preserve and invest. However, I would not advise to invest my last funds in the purchase of an apartment - still, at least now the buyer and is protected, but from time delays this scheme does not insure. In addition, if you suddenly need to urgently sell the apartment at the construction stage, it will have to sell it with a significant discount to the price of apartments from the developer. Moreover, I do not advise you to acquire an apartment for investment purposes with a mortgage (even preferential). It is always necessary to evaluate what you should do if something goes wrong, "supplements Denis Bobkov.
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