Posted 10 января, 04:51
Published 10 января, 04:51
Modified 10 января, 09:32
Updated 10 января, 09:32
The rates for programs with state support have not changed, RBC clarifies. According to these programs, the rates are at least 7.3% per annum for the construction of a house and from 7.7% for the purchase of housing in a new building. "Family mortgage" has a rate of 5.3% for the construction of a house and 5.7% for the purchase of ready-made housing. The conditions for obtaining a mortgage loan are also being tightened by other credit organizations.
Officially, preferential mortgages increased from 7% to 8%, but the increase in rates affected other banking products. For example, VTB issues a mortgage with state support at a rate of 7.7%, Alfa-Bank raised the mortgage rates with state support by 1 percentage point to 8%. The rate on housing loans in the secondary market rose from 12.09% to 12.29%. For refinancing - from 11.79% to 11.99%. Since January 1 of this year, Promsvyazbank has increased the rate from 6.35% to 6.5% on a preferential military mortgage, and "Dom.
RF" raised the rates for preferential mortgages on new buildings from 5.7% to 6.7% for construction and from 6% to 7% for purchase. In early January 2023, the Russian authorities approved a preferential mortgage program in the annexed regions.
The rate for such a program will be 2%. The maximum loan amount is 6 million rubles. A preferential mortgage assumes an initial payment of at least 10%.