2023-12-26 17:26:00
The bank will issue it if subsidized by an accredited developer
Photo: Andrey Lyubimov/RBC/TASS
Moscow. December 26. INTERFAX.RU – Sberbank will continue to issue preferential mortgages, despite the adjustments to the parameters of state programs, but will change the terms of lending, the press service of the credit institution told Interfax.
The Russian government decree adjusting the parameters of preferential mortgage programs came into force on December 23, 2023. According to the document, the contribution under the preferential mortgage program at 8% per annum was increased to 30% from 20%, and the maximum loan size for Moscow, St. Petersburg, the Moscow and Leningrad regions was halved, to 6 million rubles. In addition, the maximum amount of subsidies received by banks under preferential programs was reduced by another 0.5 percentage point.
Sberbank will change the conditions for issuing preferential mortgages for finished and under construction housing from January 11, 2024.
“To support our clients and partners, Sberbank decided not to stop issuing loans, but to continue lending under new conditions. From January 11, signing a loan agreement will be possible subject to subsidization by an accredited partner,” noted a Sberbank representative.
New conditions will apply to the programs “Government Support”, “Family Mortgage”, “Far Eastern Mortgage”, “Arctic Mortgage”, “Mortgage for IT”.
For applications submitted before January 10, 2024 inclusive, clients can still receive a mortgage without the use of subsidies from the developer, that is, without restrictions in choosing a property, the bank notes.
In the future, if the developer chosen by the client does not meet the new conditions, a mortgage can be issued under the basic program or another object can be selected from the list of residential complexes that are included in the subsidy program, the credit institution explained.
Currently, the minimum mortgage rates for new buildings and secondary housing under basic programs at Sberbank are 15.6%.
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