And still to buy an apartment is still difficult. The main problem is the increased difficulty in obtaining mortgage loans. Whatever you say, and before the crisis, banks provided mortgage credit a lot easier. But do not despair, if a Bank refused the loan. Be patient, banks are hundreds and it makes sense to check on the possibility of obtaining a loan in a maximum number, carefully comparing the conditions. If you have a permanent job with a normal income and unblemished credit history loan you will definitely able to get. Not in the same Bank as the other.
In parallel, it makes sense to look for the apartment. Here, too, you must work with a wide comb: Newspapers, sites, free ads, various message boards, friends and friends, friends of friends and acquaintances - this is not a complete list of information sources when searching for a suitable place.
You can also contact real estate agencies to view options available to them, to know the cost of their services. The main thing - do not hurry, do not bite on the first option, not to succumb to the entreaties not to covet cheap. Everything has its price, and the cheapest cheese, as you know, is in a mousetrap.