You can purchase property through an installment plan with a minimal down payment, while keeping the bulk of your capital in bonds or savings accounts.
Example of an installment deal for 2 years (property worth 14 million rubles):
• Installment: payment of 100,000 rubles/month
• Down payment 10%: 1.4 million rubles
• Remaining balance: invested in bonds at 17% annual interest
• Income: ~178,000 rubles/month (~4 million rubles over 2 years)
Example of an installment deal until December 10, 2027 (property worth 23 million rubles):
• Installment: payment of 50,000 rubles/month
• Down payment 15%: 3.5 million rubles
• Remaining balance: invested in bonds at 17% annual interest
• Income: ~276,000 rubles/month (~4.1 million rubles over 15 months)
Example of an installment deal until January 1, 2030 (property worth 28.5 million rubles):
• Installment: payment of 140,000 rubles/mon
