Как купить квартиру в 2026 году? Я чуть не совершил ошибку на 40 миллионов!

How do you buy an apartment in 2026 when the ideal option costs 40 million rubles, but your budget is significantly lower? Using personal experience, I'll walk you through the entire process: from getting a family mortgage approved and calculating the down payment to choosing a location, developer, and floor plan. I'll explain why we rejected Chernaya Rechka, compared neighborhoods in St. Petersburg and the Leningrad Region, and ultimately chose a three-bedroom apartment from Brusnika. Finally, a universal algorithm for buying without panic and overpaying. ✅ Contacts: +7 950 038 51 25 ✅ TELEGRAM REAL ESTATE CHANNEL: https://t.me/che_nov ✅ My MAX/TG: +7 950 038 51 25 (https://t.me/ErShutov) ✅ Instagram: @er.shutov My name is Egor Shutov, and I'm the only realtor who will tell you about a residential complex not from brochure pictures, but from technical projects and drawings. FREE: I help clients choose the right apartment in a new building, without overpaying. I approve mortgages for free with the best terms. I provide transaction support. I assist with key collection and apartment acceptance. How to buy an apartment in 2026? Family mortgages, new buildings in St. Petersburg and the Leningrad Region, maternity capital, down payments, and choosing a developer—a real-life example. We wanted to buy our dream apartment for 40 million rubles, but the mortgage calculator showed a payment of around 400,000 rubles per month. Ultimately, we completely revised our budget and property requirements and chose a three-bedroom apartment in Novoselye. In this video, I explain in detail how to buy an apartment in 2026, calculate the correct mortgage, determine a realistic budget for the property, and choose a new building you won't regret in a few years. This is not a theoretical guide or a promotional review of a residential complex. I share my real-life experience of buying an apartment for my family: how much money we had, the amount approved by the bank, how we used maternity capital, why we had to borrow 2 million rubles, and the criteria we used to choose the neighborhood, developer, residential complex, and layout. In the video, you will learn: — how to determine a budget for buying an apartment; — How to get a mortgage as a sole proprietor; — Can maternity capital be used as a down payment; — Why is it dangerous to invest all your savings in real estate? — Should you borrow money from relatives to buy an apartment? — How to choose between a new building and a resale property; — Which districts of St. Petersburg and the Leningrad Region should you consider? — How to assess the potential for price growth per square meter; — What to look for when choosing a developer; — Why the layout is sometimes more important than the location of the building; — How to choose an apartment for living, not just investing in concrete. Why did you choose the Brusnika apartment? We were pleased with the layout of the three-room apartment, the landscaping, the courtyard area, the project's architecture, and the overall development concept of the area. At the same time, I also honestly discuss the disadvantages of Novoselye: its distance from the center of St. Petersburg and dependence on a car. The main idea of ​​the video: don't start your apartment shopping by looking at beautiful residential complexes. First, answer four questions: Why are you buying real estate? How much money do you have for a down payment? What monthly payment would be comfortable? Which apartment will truly meet your family's needs? After that, you can choose a bank, mortgage program, neighborhood, developer, residential complex, and specific floor plan. I'll help you: determine a realistic budget; obtain mortgage approval; choose a new building or an apartment on the resale market; compare residential complexes and developers; choose a marketable floor plan; inspect the property before purchase; accept the apartment with a technician. Let us know in the comments: Which district of St. Petersburg or the Leningrad Region are you considering? What budget and down payment are you planning? How to buy an apartment in 2026 Buying an apartment in St. Petersburg Family mortgage 2026 Family mortgage St. Petersburg How to choose a new building New buildings in the Leningrad Region Apartment in Novoselye New buildings in Novoselye Brusnika Novoselye Buying an apartment with a mortgage Down payment on a mortgage Maternity capital for buying an apartment Three-room apartment in a new building Best areas of the Leningrad Region Personal experience buying an apartment #howtobuyanapartment #familymortgage #newbuildingsspb #mortgage2026 #real estate