We're in the process of buying an apartment. We have maternity capital (*** mortgage, but the money…

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We're in the process of buying an apartment. We have maternity capital (*** mortgage, but the money is already in the account). We're ordering the certificate, and in a couple of months, the whole amount can be transferred directly for the apartment. I found an agent from a real estate agency, she's not charging me anything, she only works with new constructions from different developers. She proposed a unit, and I really liked one. She offered to hold it for the weekend because another agent was also interested in the apartment. And then—a long-term hold for 3 months for 75,000. I said we didn't have that kind of spare money right now. Then, after some time, she said the developer agreed to a long-term hold for 10,000. The building is being handed over at the end of this year. It's practically almost sold out. What's the catch?
So, at what age do you think it's okay? Obviously, we're all moms and not exactly young anymore, but…
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Vedeneva Yuliya
idk
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Elena
contact the developer directly
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Tanya Chamkaeva
We bought directly from the developer. It was free! She just wants to get money from you. Yes, she gets a commission, but she wants more too! Also, we paid cash and the developer gave us a discount of over 48%! They do give discounts. We reserved it for about two months, if I remember correctly
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Yuliya
Tanya Chamkaeva And the booking was free?
So these 10k will be a discount on the apartment
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Yuliya
She's been working there for a long time already, and it's a real estate agency.
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Yuliya
Elena But what's the benefit?
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Elena
Is there an agency from the developer? They help you find and sell for free
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Yuliya
Elena It's all free too, we're talking about a three-month reservation.
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Tanya Chamkaeva
Tanya Chamkaeva Free booking. My friend was a realtor. She didn't just want a new build for free, but also a resale property. After the deal, I was ready to pay her, but she said the developer pays. The discount was just because I paid cash. And if it's a new build that hasn't been handed over yet, or is just about to be, the paperwork for the house takes about another month.
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Elmira
It's weird, back in the day we bought directly from the developer when it was only on the 3rd floor. We paid the deposit right away and part of the rest upon handover. Why do you need a reservation? Either take it or leave it?!
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Yuliya
Elmira We won't be able to transfer the money until at least three months from now.
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Yuliya
Tanya Chamkaeva We have a cash discount of about 2 million.
Services are free for us, we pay the developer for the reservation.
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Tanya Chamkaeva
Tanya Chamkaeva Well, two million is a fake discount. Developers love to offer them. I'm talking about something else. Would a developer who negotiates tens of thousands for a reservation give a 2 million discount? Of course not.
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Lora
If you don't want to pay a reservation fee, try contacting the developer directly. Otherwise, the reservation is standard. My sister was just selling and buying an apartment, and there was a reservation fee of about 50,000 everywhere. There's no catch. If you trust this realtor and you like the apartment, I'd say pay the reservation fee. Otherwise, someone else will buy it. Good options go fast.
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Gracheva Olga
We did it this way in 2019. We got a mortgage for a new build from a developer's union. The agent handled everything for free. The apartment reservation was 10,000 rubles until the day of the deal. If we decided to back out of the apartment, we wouldn't get the money back. If the deal went through, those 10,000 rubles were applied to the apartment's cost.
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