In the period of coronaries the state and socially responsible business focuses its aid for health workers – those who remain on duty in hospitals, who work on the ambulance who is at the forefront in the fight against infection. Develop new programs, incentives, subsidies. Thus, the Bank BUILDING.Of the Russian Federation announced the launch of the mortgage lending programs of health workers at a reduced rate of 7,4% per annum. This was 0.6 percentage points below base rates mortgage programs. Thus, the financial organization also decided to support the health workers. Conditions for the purchase of housing convenient: you can take a loan of 30 years and an initial payment will be 10%. The Bank also reports on the possibility of refinancing of loans taken from other banks at a bargain rate. Details – in the material “MK”.
the Bank told us that reduced rates for healthcare professionals: loan for under construction property can be rented with a maximum reduction in the rate from 7.4 per cent per annum of the finished home, from 8.2%, and the purchase of a house – from 9.5%. Taken to refinance with other banks the mortgage at the rate of 7,4% per annum.
According to Deputy Chairman of the management Board Danila Litvinov, the difference in rates on the refinancing compared to the average rate of major banks can be up to 1.5 percentage points to 1.1 percentage points on loans for new buildings and up to 0.6 percentage points in the secondary market.
Workers of the medical organizations can apply for mortgages at reduced rates until 31 December 2020. The maximum loan amount, according to the representative of the Bank, is 30 million rubles. In Moscow and Moscow region the minimum rates available on home loans if the sum of 8 million roubles, in St.-Petersburg and Leningrad region – from 5 million rubles in other regions – 3 million rubles, with the first installment shall be not less than 30%.
the Bank expects mortgage at reduced rates for physicians will be in demand and will solve many of the housing question. “It is important to support health workers who are facing serious difficulties in the fight against the pandemic. Concessional lending of health workers have high social importance, we believe the launch of the product in a timely and confident, he will be in demand,” said Daniel Litvinov.
the Expert of real estate market of the Academy of management Finance and investments Aleksey Krichevskiy’m sure many will want to use the program for refinancing. “Most clients will go through the refinancing of previous mortgage loans. If the health worker took out a mortgage a few years ago, that this fresh range is definitely worth playbackto do because the savings can be from 500 thousand to several million rubles, depending on the loan amount, its term and interest rates. But this should be done only in case if the loan is for a minimum of 12-15 years were obtained 3-5 years ago when rates were significantly higher than the current. To refinance a home loan, the terms offered by the Bank BUILDING.Russia, quite suitable, ” said our source.
the Bank explained that in a pandemic, of course, it is possible to apply for a loan online. Modern technologies allow to handle about 80% of the decisions almost instantly, and the mortgage payments also can be made without visiting the office via digital platforms with a debit card.
“the mortgage Programme for health workers from the Bank BUILDING.RF is a good Supplement to the measures already taken at the state level. In the current environment is especially important to maintain and highlight physicians. We are ready to participate in implementation of the program to health care providers across the country were able to solve their housing problems,” says Peter Kositsyn, Deputy Director of Department of mortgage lending JSC Metallinvestbank.
Managing Director and partner of Boston Consulting Group Sergey Ishkov said: “Any reduction in rates from the point of increasing the availability of housing is of course positive news, as it reduces monthly payments and, as a result, supports demand for housing in a crisis. In the current situation, the news is still emotional, as supported by the doctors who are taking the brunt at the time of the pandemic. And conditions allow us to apply not only to doctors who are in the country 550 thousand, and the wider group.”
