In the middle Urals, has issued the first mortgage at 6.5 percent per annum. The borrower was a resident of Yekaterinburg. The money he needed to buy an apartment in the new house worth 2.8 million rubles.
Granted a loan on preferential terms the Bank VTB.
– We support initiatives that increase the availability of mortgages. The new program will allow many residents of the region to improve their housing conditions with the profits, because the rate on two percentage points below the average on the market. This week, we plan to conduct other transactions on it, – said Alexei Dolgov, managing Director of the Bank in the Sverdlovsk region.
Recall that the new discount program was announced at a meeting of the President with the developers on April 16. And on the 20th of April, without waiting for the resolution of the government, banks (in particular, VTB, Alfa-Bank, PSB and Bank “BUILDING.RF”) began to accept applications.
to Qualify for the preferential loan are citizens subject to the first mortgage. It must be done before 1 November 2020. At the same reduced rate of 6.5 percent will work the entire term of the loan. The difference with the market, banks will reimburse the state. The maximum loan amount under the program for the region – 3 million rubles for Moscow and St. Petersburg – 8 million. It is imperative that the apartment should be in the new comfort class. The initial fee is set at 20 percent, the mortgage period is up to 20 years.
On January 1, 2020 in the Urals Federal district was issued 141,3 thousand mortgage loans, of which 7.9 thousand in the Sverdlovsk region in the amount of 90 billion rubles.
– Monitoring the implementation of measures of support of the population is one of the main tasks of the Bank of Russia, and the control is conducted on several fronts. So, we regularly receive information on the restructuring of loans of citizens from the banks, forming more than 95 percent of the portfolio of consumer and mortgage loans. According to these data, from March 20 to April 15, received more than 6,600 complaints from borrowers of the Ural Federal district for the provision of credit vacation. More than 80 percent of them are considered. The highest percentage of approval is seen in the mortgage – 64% from the considered. This trend is typical for the country as a whole. The main reason for failure – exceeding the maximum size of the loan, – says the head of the Ural main Department of the Bank of Russia Rustem Mardanov.
