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How I moved from St. Petersburg to Murino

Readers sell and buy housing

07/20/23

Reader’s Story

This text was written in the Community, it retains the author’s style and spelling

Veronika Netsova

found out the details

Author’s profile

People often tend to move from small cities to large ones. But a reader of Tinkoff Magazine did the opposite.

She sold an apartment in Khrushchev in St. Petersburg and bought another, smaller one in the Leningrad region. So she managed to get rid of her mortgage, move to a new building with beautiful entrances and explore the area, from which everyone dissuaded her from moving.

This story is from the Community. The editors asked questions, carefully edited and designed according to the standards of the magazine

Christina Peng

moved from the city to the region

Author profile

Background

Two years ago I lived in a two-room Khrushchev in the Kalininsky district of St. Petersburg. Now I live in the city of Murino – in the Leningrad region. Since there is a metro here, I would call it the northern outskirts of St. Petersburg, although, of course, it does not need such joy.

I liked the Kalininsky district, although we did not live close to the metro station, on Metallistov Street. There was a cool park, all the infrastructure, you could walk to the Sverdlovsk embankment. There was not only a shopping center nearby – and this is a minus. Although, with the pandemic, I got used to taking everything on marketplaces and now I hardly go to stores.

I also had the thought that I wanted a child, and here Khrushchev, fifth floor, no elevator to raise the stroller. In general, I wanted something new, well, beautiful photos in the elevator. Conceived – done.

How life is in the Kalininsky district of St. Petersburg

Search for buyers

I sold Khrushchev with a realtor, we are not cooperating for the first time. He takes a small percentage, while I do part of the work. It is important for me that the agent answers calls, filters people and writes to me on WhatsApp the date and time of viewing. Plus, his duties include drafting an advance payment and sale and purchase agreement. I, in turn, hold showings of the apartment.

The sale of Khrushchev took half a year. There were a lot of views, sometimes five per evening, and sometimes every day. Most often, potential buyers looked at five or six apartments in the area at once. But there were few people willing to buy mine. Someone complained that there was no balcony, someone that the rooms were adjacent, although everything was indicated in the announcement. I don’t know how true these objections were.

“We agreed”: what manipulations did I encounter when selling an apartment

Once a family of seven people came to see us, including two children of preschool age. Perhaps this case was the funniest for me, because they had to enter in groups of two people due to the fact that there were small corridors in Khrushchev.

And then the buyers were found – it was a married couple who were looking for an apartment for their daughter. They were the first of all those who were interested in our kopeck piece and wanted to make a deal, and in the presence of a realtor, we signed the documents for an advance payment.

Choosing a new apartment

After receiving the advance, I immediately started looking for a new apartment. I had a limited budget, and I wanted to meet it without borrowing, and also leave money for the arrangement. Therefore, there was practically no choice: I considered several districts and paid attention to the following factors.

Distance from metro. I am not a motorist, and it is important for me that the road to the subway is comfortable day and night. In St. Petersburg there is the Kudrovo district, where, due to the better infrastructure, the prices for apartments are much higher. At the same time, the road to the metro takes from 30 minutes. In Murin – 20 minutes. Maybe not by much, but less.

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Visual impression of the house. I also pay attention to how the house looks inside and outside. In Murin, I liked the brown-beige houses of 15-17 floors, at the bottom of which there are shops and a coffee shop. I was pleased with the presence of elevators, a wide corridor in the apartment and a lawn at the entrance. It seemed that, unlike Soviet housing, it was not ashamed to come here yet.

Builder’s reliability. Across the street from the house where we previously stopped, there were apartments of the same footage cheaper by 500,000 R, but their developer went bankrupt, and people are being frightened by the court. So obviously I didn’t risk it.

Cross transaction

When I chose an apartment for purchase, we did not order an electronic transaction, but went through all the stages traditionally. It was important for us that the purchase and sale deal was on the same day, this is often called a chain.

But then everything dragged on for a month and a half. The buyer of the Khrushchev apartment made an advance payment, then it turned out that the money was in her deposit, and she asked to wait until the end of its action. For me, this was an unpleasant surprise, because at the same time I quit my job and it was problematic to go to a new place until I moved. I wanted to control everything myself, solve the issue with furniture.

How to properly give a deposit when buying an apartment

As a result, due to a delay with the buyer, I was unemployed from October to mid-January. She was kind, she lost money, but she did not cancel the deal. We will consider that this is an experience – in the future I will defend my interests, and not follow the lead of others.

Sale. So, day x. The sale deal was in the bank’s office in the Moskovsky district, on the other side of the city, since the buyer has a personal manager there, with whom she works on all issues. We booked a meeting room at the bank for 10 am.

The buyer of my Khrushchev put money in a safe deposit box. Two people could get them: me and the seller of my new home after presenting the registration documents. I don’t know why, but the whole process with this cell took about five hours. Bank employees ran around with pieces of paper, then booked access to the vault, and so on.

6 ways to pay for the purchase of real estate

On the same day we had to go to the MFC – I had four tickets to two different places. I gradually canceled the entries through the site, as the Khrushchev sale deal lasted a long time.

Yard in the Kalininsky district and neighboring Khrushchev houses

Purchase. After the St. Petersburg MFC, we went to the Leningrad region, to the village of Staraya, to complete the deal for the purchase of a euro-twin. They didn’t do it in Murin, because even two weeks before the deal it was impossible to get a ticket there.

I took all the coupons on my own, because I understood that the realtors would miss this moment. And the result was exactly what I needed. When I said where I signed up for the deal – and this is 27 kilometers by car – the realtor from the seller was outraged why it was so far away. But, having opened the recording site, I realized that this was the only option, otherwise the deal would have been postponed for another month.

How to draw up a contract for the sale of an apartment

Paperwork. After the first visit to the MFC, it was necessary to come there again to pick up the documents. During the pandemic, this was not very convenient due to coupons.

It was possible to avoid unnecessary hemorrhoids thanks to an electronic transaction, and I even once had it, but I didn’t like that there were no documents in printed form, which are requested everywhere. You can probably get them, but these are additional body movements.

Everything you need to know about real estate

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Totals and amounts

I bought a new and sold an old apartment in December 2021. I had a kopeck piece of 46 m², and a euro-twin of 41 m² appeared. The new apartment has a large kitchen and bedroom, there is a balcony of 3.5 m². Since we live with my husband and we have no children, living in such a footage is acceptable, although I will strive for more.

I sold a kopeck piece in Khrushchev for about 5,000,000 R, taking into account the fact that I left the furniture and appliances. One of the goals of the deal was to get rid of a small mortgage tail for this apartment, which is why we decided to reduce the area. The debt was about 500,000 R. I closed the mortgage with a loan, and the loan with the money that I received from the sale of the apartment. I used such a scheme so as not to shift the headache with a mortgage onto potential buyers.

How I prepared an apartment and sold it quickly and expensively

I also bought a house in Murin for 5,000,000 R with kopecks. For comparison: three years before the deal, the seller purchased this apartment for 3,000,000 R at the construction stage.

Living in a new place

The layout of our new home is one of the key aspects why I chose this property. This is a one-piece apartment: you enter, a wide corridor of 7 m², to the left is a bedroom, to the right is a kitchen-living room. The room offers a view of the street, and from the kitchen side – the courtyard and the kindergarten, which, according to discussions on Vkontakte, is difficult to get into.

This layout is convenient for us: despite the fact that this is a one-room apartment, everyone has their own place – there is a room for my husband, there is a room for me. We both work remotely, so 24/7 at home. At the same time, we can be alone with our thoughts.

Wardrobe in the hallway of my new apartment. There are two doors ahead: to the left is the room, to the right is the kitchen And this is how the bathroom looks like

At first, we received utility payments of 10,000 R every month: immediately after buying an apartment, I did not reach the management company. The meters in Murin were not sealed, so the bills came in according to the standard, and the first ones shocked me. In general, people pay about 3,000 R for a one-room apartment in our residential complex in winter, and about 2,000 R in summer. We paid three to four times more. But this issue has already been resolved.

When I studied the forums, many people said that it makes sense to change the counters set by the UK. According to their version, something is wrong with them – they wind more. I don’t know if this is true or not, but we put thermal heads on the batteries, after which the payments became smaller. We pay about 6000 R in winter and 5000 R in summer. However, this is still more than in St. Petersburg.

“I left without opening my suitcase”: 7 common problems when checking meters

Hall Elevator, where you can take decent photos

Plans

My actions with real estate are not always logical. Most of the things I did to gain experience. She lived in the Primorsky district, which is praised by everyone. I lived in Kalininsky, which I was not advised. And she moved to the legendary Murino. But now I understand what is important for me. Just words that there and there weren’t very good weren’t enough — I wanted to see everything with my own eyes.

Of course, ideally my destination is a three- or four-room apartment with panoramic windows overlooking the bay. But until that time, alas and oh, we need to solve a huge list of tasks in terms of sources of income. Even if it will not be an apartment of such a plan, it is important for me that there is proximity to nature and at the same time the metro is at hand.

How life is in the Primorsky district of St. Petersburg

Playground in the yard of my new house

I plan to live in our apartment in Murin for three years and, if the situation on the real estate market allows, to sell it and return to the center of St. Petersburg. Just buy in return not Khrushchev, but something from the 70s.

I like the 1-528KP-40 series – these are brick house-points. They have an elevator, a balcony, all the infrastructure is nearby. In fact, these are also Khrushchevs, but more modern. In panel Khrushchevs, I was often annoyed by protrusions from the wall, they are load-bearing beams, which, in my opinion, spoil the whole view.

“You have to pay extra for living here”‎: is it worth moving to Murino

My philosophy is this: when buying an apartment, it is important to understand that this is not for life. I don’t know how obvious it is, but you have to catch the wave. Sometimes crises can be good – and while everyone slows down, I prefer to step on the gas.

Readers buy and sell housing. Real estate transaction stories

Inna Shipilova: “I like dressing my fellow villagers”

A shop in a small village is more than just a shop. For example, in Petropavlovka with a population of about 600 people in the center of the village there is one, let’s figuratively call it, a mini-trade center. It houses a grocery store (with a small assortment of household goods), an atelier, a nail salon and a clothing store.

It is clear that the city is nearby, if someone works in the regional center, returning home, he stops by supermarkets on the way (especially if he has a car). But there are villagers who do not often go to the city. For example, mothers with small children or the older generation. It is much more convenient for them to go to the convenience store, take a walk in the fresh air, and buy the necessary essentials. Again, the village shop is also a place of communication. As we were told, some villagers 9 times0067 five per day can come here on important business.

It is clear that the grocery store is always the most in demand. But in our publication we will talk about manufactured goods. We met Inna Shipilova on the Village Day. She took photographs of artists and awardees, filmed a video, then explained that she was trying for her fellow villagers so that they would have a memory. And she is especially pleased that many of the women who went up on stage at the celebration looked smart and elegant. This is also her merit, she helped to select outfits. It turned out that my new friend Inna Sergeevna is a clothes seller. Then she also took the stage, the head of the administration of the Belomestnensky settlement Viktor Maslennikov presented her with a letter of thanks for her active life position and participation in the life of the village.

Inna Shipilova’s childhood passed in the regional center, she studied at the city school No. 39, but always wanted to go to the village, she even asked her mother to transfer her to the Belomestnensky school. For all weekends and holidays I came to Petropavlovka to my grandmother. They had a friendly company in the village, and she has known her future husband since childhood. There were a lot of young people in the disco club – noisy and fun. Inna was engaged in a dance group, went to perform at concerts in Belomestnoye, Khokhlovo. He speaks with special warmth about the head of the club, Valentina Naida: “Our aunt Valya.” Now Inna Shipilova is proud of the success of her daughter, who received a diploma from BGIIK (specialization as an organizer of social and cultural activities) and works as a methodologist at the Peter and Paul Club. Alice sings beautifully, writes author’s songs and poems, plays the guitar. Love for music is a family thing for them, they listen to vinyl records on a rare player, which was repaired by the head of the family. Great-great-grandfather’s gramophone, who fought in the Great Patriotic War, is kept as a special asset.

So why, having creative inclinations, did Inna go into trade? The seller is one of the most sought-after professions, you will never be left without work – this axiom had to be learned later. At first she entered the school of culture at the choreographic department, but studied for only a year. She got a knee injury, the doctors forbade her to dance, she categorically did not want to transfer to another specialty. She took the documents and went into trade, graduated from vocational school No. 10 , having received the specialty of a salesperson. The beginning of her career was in the 2000s, she first worked in a grocery store. A 15 years ago, decided to open her own business – a clothing store. Any undertaking is always interesting, but difficulties cannot be avoided. I went for goods to wholesale depots in Moscow and Kharkov, I wanted to pick up such clothes that buyers would like – beautiful, of good quality. Now the structure of delivery of goods has changed for the better – everything can be ordered on the Internet. Many domestic products have appeared, which are much better than Chinese and Turkish ones. Basically, its customers are representatives of the older generation, children’s clothing is also in demand.

“I like dressing up our lovely women, making people beautiful.