The trend was also confirmed by Zenit, Ak Bars Bank, Absolut Bank and Rosbank Dom. The latter organization noted that employees of all accredited IT companies can now count on a preferential rate. Their number, according to the Ministry of Digital Development, is 20 thousand against 12 thousand, who previously met the conditions of the program. In addition, the mandatory requirement for such an organization to receive tax benefits has been canceled, they added.
However, as Absolut Bank noted, February is the first month of the program’s operation in the updated version and it is too early to draw conclusions and forecasts about the dynamics of demand.
The change in usa mobile number database conditions will significantly expand the number of citizens who will be able to take advantage of the mortgage benefit for IT specialists. In particular, the change will cover a very important category of specialists from 44 to 50 years old who hold high positions, emphasized Svetlana Zubkova, associate professor at the Financial University under the Government of the Russian Federation.
In 2020–2021, with less favorable conditions for preferential mortgages at 6%, there was a boom in the housing market, so something similar should be expected in the segment of housing loans for IT specialists, believes Alexey Fedorov, leading economist at the TeleTrade information and analytical center. Considering that the latter accounts for only 1.2% of the total volume of housing loans in 2022, it was possible to go for a greater easing of conditions, he believes. According to the economist, most likely, the reason for refusing to do this is the capabilities of the state treasury.
Although the adjustment of parameters expands the potential range of loans, demand is more influenced by the political and economic situation in Russia, according to NRA bank ratings analyst Natalia Bogomolova. Lending will increase as the population's planning horizon grows, she emphasized.
— Currently, the rate of 5% under this program is one of the lowest, lower only under the "Far Eastern Mortgage" — 2%. And the loan amount is the largest, for example, for Moscow — up to 18 million rubles. It is important to consider that if you change or lose your job, the interest rate on the loan will remain the same, only if the borrower gets a job in another company included in the list of accredited ones within six months. Otherwise, the rate will become almost market-based. Therefore, IT employees with children who fall under the terms of the "Family Mortgage" should consider it. The rate there is 1% higher, but there are no conditions for transforming it into a non-preferential one, — recommends Natalia Bogomolova.
According to Alexey Fedorov, the growth potential of IT mortgages is high, as modernization has almost doubled the pool of potential borrowers. That is, based on last year's result of 6 thousand loans for 55 billion rubles, in 2023, if the program conditions remain unchanged until the end of the year, we can expect the issuance of about 9-12 thousand loans for 85-110 billion.