Real Estate Market Trends and Investment Strategies for 2024

People panic and rush to real estate during crises, driven by ancestral memories of financial instability.

### Navigating the Real Estate Market: Insights and Strategies for 2024
* 🏠 Many individuals are experiencing **increased purchasing power**, prompting a rush towards acquiring tangible assets like real estate due to **psychological triggers from past economic crises**.
* 💰 Igor Shimko, a private investor and analyst, emphasizes the importance of **understanding the current real estate market dynamics**, particularly the effects of **government assistance programs like preferential mortgages** that have **distorted market prices**.
* 📈 The current phase of the real estate market is characterized by **rising prices**, especially for new constructions, which are now being sold at **higher monthly payment rates** than before, impacting **affordability for average families**.
* 🔍 With a conservative investment strategy, Shimko has diversified his portfolio by utilizing the Jet Land platform, which offers **competitive returns and educational resources for investors**, highlighting the **necessity of informed investment choices**.
* 💸 The market is witnessing a shift as many individuals are expected to **return to investing in real estate by the end of 2025**, driven by favorable conditions such as **lower interest rates** and the need for **tangible assets amidst economic uncertainty**.
* 📉 However, there are concerns regarding the quality of new constructions and the overall market health, as many properties have been **overvalued and may not provide the expected returns for investors**.
* 🤔 The demographic shifts in Russia, particularly the aging population, indicate that while there may be **fewer buyers in the future**, urban centers like Moscow and Kazan will continue to **attract investment and development**, despite the challenges faced by smaller towns.
* 🔑 Ultimately, understanding market trends, maintaining a **diversified investment strategy**, and being cautious of **overvaluation** are crucial for navigating the real estate landscape in 2024 and beyond.

### The Real Estate Market: Trends, Challenges, and Investment Strategies
* 🏙 The current state of the real estate market reveals a significant imbalance, with major cities like **Moscow experiencing population growth** while smaller cities **stagnate**.
* 💼 There is a pressing need for a **decisive approach to enhance purchasing power and salaries**, especially in defense industries like Arzamas, to **counteract economic deterioration**.
* 🏠 A growing gap between old and new housing stocks is evident, as many individuals cling to inherited properties that may **soon lose value in the market**.
* 🔄 The renovation program in Moscow contrasts sharply with satellite cities, where **outdated housing remains unaddressed**, leading to a **potential crisis for those unwilling to adapt**.
* 📉 Developers are currently filling escrow accounts, but as **low interest rates end**, a market saturation of **ready new housing** is expected by 2025, complicating sales for developers.
* 💵 Investing in real estate requires careful consideration; those saving for a home should **avoid volatile stock markets** and focus on **stable investments like bonds or deposits**.
* 📊 The psychology of the secondary housing market indicates that prices will not drastically fall, as sellers are **reluctant to sell below certain thresholds**, maintaining market stability.
* 🌍 As the economy evolves, potential investors must navigate a landscape where **conservative instruments dominate**, and family needs dictate real estate choices, especially for those looking to **upgrade their living situations**.

СПАСАЙТЕ СВОИ НАКОПЛЕНИЯ! А что делать...

Сергей Смирнов про инвестиции и недвижимость

Navigating the Real Estate and Stock Market in 2024

The speaker discusses the psychological impact of sudden changes in purchasing power, leading to a rush for tangible assets like real estate.

Igor Shimko, a private investor and analyst, shares his perspective on the distorted real estate market caused by government assistance programs and the impact of preferential mortgages.

He also highlights his investment strategy on the Jet Land platform, which offers a balanced approach with a yield of 22.

75% and a venture investment strategy with higher risks and potential returns of 30 to 38%.

The TLE Platform and Real Estate Investment

The TLE platform offers funds to borrowers through legal entities, providing rates not available in the banking market.

A bonus program for new investors offers a 20% annual bonus for three months on deposits made within a week of registration.

The real estate market has seen a shift, with an increase in substandard housing and a distortion in property values, leading to a decrease in real purchasing power for investors.

The Impact of Real Estate Dynamics and Psychological Factors

The evaluation of bank properties in a specific area revealed a pattern of fake transactions and inflated asking prices.

The current economic crisis and high mortgage rates have led to a sense of panic among individuals, particularly the older generation, driving them to acquire tangible assets like real estate.

The conflicting goals of different agencies and the pressure on developers have created a challenging environment for the real estate market, with projects being tailored to meet banking product requirements.

Проблемы с Проектным Финансированием и Ростом Цен на Жилье

Проектное финансирование и темпы продаж жилья вызывают недовольство из-за высоких цен и неэффективных решений.

Инвесторы покупают квартиры удаленно, полагаясь на рендеры и 3D-виды, что не заменяет личную проверку.

Рост цен на жилье в Москве медленнее, чем в других городах, что вызывает удивление, а высокая ставка по кредитам и инфляция усугубляют ситуацию.

The Impact of High Interest Rates and Demographic Shifts

Many people have shifted to bonds and are waiting for high rates to drop, with a potential rush into concrete investments by the end of 2025.

Those who acquired properties on credit at low interest rates are likely to benefit in the long run, preserving their purchasing power.

The demographic shift, with a smaller number of buyers from the Yeltsin era, may lead to a concentration of population in major cities, while smaller towns struggle to attract residents.

The housing market is experiencing a growing gap between old and new properties, with many people holding onto inherited rentals unaware of the impending decline in value.

A renovation program in Moscow is helping to improve old housing stock, but other cities are not benefiting from the same initiative.

As the market is set to saturate with new housing in the next year and a half, developers are likely to face weak demand and may struggle to sell properties, leading to a tightly packed market by 2025.

The Current Real Estate and Investment Landscape

The real estate market is saturated, leading to a struggle for developers to sell properties, while investors with accumulated funds are uncertain about where to invest.

The stock market presents an opportunity, but it's not advisable for those saving for a house.

Gold has been a popular asset, but recent events have raised concerns about its ownership and potential consequences.

The Impact of Currency and Asset Choices After 1917

The book discusses the contrasting asset choices of Russian emigrants after 1917, highlighting the success of those who left with fiat currencies over gold.

It emphasizes the challenges of transporting and storing large amounts of gold, while also questioning the effectiveness of real estate and the stock market as stable investments.

The conversation shifts to the rising importance of the yuan and the potential for a major conflict to disrupt the current economic dominance.

The Challenge of Individual Housing Construction

More than 50% of annual land issuance is for individual housing, not urban development.

Urgent legislation is needed to redirect some of this towards mass construction of small houses.

The Moscow region is already exploring new projects, which could drive infrastructure development and create job opportunities.

The most risky parkers are often found in elite complexes, where dramatic shifts in property value occur.

The appeal of prime locations has diminished, leading to a migration of interest to New Moscow City.

Limited choices in the market and the impact of accumulated inflation make it challenging for individuals to find suitable properties, while family mortgage assistance offers a solution for those in need of an upgrade.