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Where to invest money, if you have it. We tell in the seventh episode of the podcast "Spent"
Podcasts / / January 07, 2021
How to invest wisely during a pandemic and is it possible to make large purchases without violating the self-isolation regime.
Pandemic and unstable economy - is it time to hold onto money or a reason to invest it somewhere, for example, in your own business, a car or real estate? The permanent host of the podcast Pasha Fedorov and his guest, Alya Haller, head of marketing communications at the PIK group of companies, tried to find an answer to this question.
If during self-isolation it became clear that your family is cramped in the apartment, you can choose and buy a new home without leaving your home. Thanks to the PIK group of companies, this is possible, even if you need a mortgage! You don't have to go to a sales office or bank and collect a ton of documents. To apply, you only need a passport and SNILS. On PIK website you can choose the layout you like, book and pay for an apartment, sign a purchase and sale agreement. Complete security of online transactions is guaranteed by verification systems. And also PIK takes
interest on your mortgage by the end of the year on yourself. Details in the podcast.
1:50 - Alya tells why it is not very safe to keep money “under the mattress” now and how much money in your pocket you can think about investing.
3:48 - Pasha and Alya are discussing whether it is worth starting their own business now and whether it makes sense to invest in the business.
6:33 - about investing in a car. Alya explains why she considers personal transportation an unnecessary luxury. Pasha talks about taxi and car sharing in the regions.
9:26 - Alya tells why it is profitable to buy real estate now and how to get a mortgage and not pay interest by deposit. It also explains why PIK does not discount real estate.
14:17 - Alya about selling real estate online and her experience booking apartments.
16:41 - Pasha talks about his mortgage. Alya talks about refinancing.
18:20 - as To buy an apartmentwithout violating the self-isolation regime. About escrow accounts, PIK's experience in online sales, and how electronic identity has been equated with personal identity. Pasha tells how he had to break his self-isolation in order to renew his electronic signature.
24:49 - Alya about how to choose an apartment if you cannot see it: about photo and video reports on the dynamics of construction, reviews of owners, online tours, 3D layouts.
30:18 - how to insure life online in order to get a mortgage without any problems.
33:14 - how to choose an apartment not for moving, but exclusively for investment. Alya talks about people who make serial purchases.
37:31 - Pasha and Alya share their investment experience: in business, in currency, in beauty.
40:37 - about investments in freight transport. Why is it not very profitable in Moscow?
41:34 - as rent and withdraw the apartment is correct.
44:27 - a conversation about buying a land plot. Pasha tells how he almost got a plot from the state in a swamp in the Novgorod region. Also Pasha and Alya are discussing the Far Eastern hectare.
49:03 - Pasha and Alya share their thoughts on investment in education and free online courses.
51:22 - three important tips for those who have decided to invest in real estate.
54:08 - constant heading "Shopping". Pasha advises to buy wrist rest (598 rubles with Ozon Premium), and Alya recommends taking a closer look at massage mat and expensive mask in rhinestones.
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