Preferential mortgage for IT specialists in Russia

The main articles are:

• Benefits and support measures for IT companies in Russia
• Soft loans for IT companies in Russia
• Mortgage in Russia

2024

Russian President Vladimir Putin does not see the need to close a preferential IT mortgage in Russia - savings for the budget will be small

On December 19, 2024, the president Russia Vladimir Putin said during a direct line that he did not see the need to close the preferential IT library in Russia. According to the head, if the states program is curtailed, the savings for the budget will be small.

The same applies to IT mortgages, 6%. This is a preferential mortgage, not so many people [ask for it], most recently we discussed it. Someone offered to cover her. There is no point in saving budget funds, "Putin stressed.

Vladimir Putin sees no need to close preferential IT mortgages in Russia

In early September 2024, the President of the Russian Federation said that after the completion of the preferential mortgage program in Russia with state support, a failure in housing construction is not expected.

The preferential mortgage has ended - this cannot but affect the housing construction market. It is now supported by a preferential mortgage of the Far East, the Arctic, a family, preferential IT mortgage, - said Vladimir Putin in early September 2024.[1]

According to TASS, citing a Brand Analytics study conducted in real time using artificial intelligence (AI agent of the Trend Detector system), on December 19, 2024, users of Russian-language social networks supported Putin's position on mortgages. Positive comments amounted to 62%: users supported the president's position on maintaining preferential programs. Neutral comments - 21%: the audience complained about the existing banking restrictions, but mainly expressed hope for an improvement in the situation. Negative comments - 17%: the main criticism was directed at banks accused of refusals for preferential programs, high rates of combined products and bureaucratic difficulties.

Every tenth IT specialist in Russia took out an IT mortgage

The Minister of Digital Development, Communications and Mass Media Maksut Shadayev said that every tenth specialist in the IT industry has issued a preferential mortgage in Russia. This was announced on December 18, 2024 at a meeting of the Public Council under the department.

According to Interfax, despite the decrease in rush demand, the program continues to operate for workers from the regions, with the exception of Moscow and St. Petersburg. Under the new conditions, more than 3 thousand mortgage loans have already been issued.

Every tenth IT specialist in Russia took out an IT mortgage

We reached some unrealistic demand (for IT mortgages in the previous period). We believe that one in ten in the IT industry took out a preferential mortgage. And the resources quickly came to an end, taking into account the rush demand. But we managed to keep the mortgage in the format for workers who work in regions not metropolitan, not in Moscow, not in St. Petersburg, "said Shadayev.

According to the minister, this will allow IT personnel "to get additional motivation to stay in the regions, not to go to Moscow," which "will have a more balanced impact on the development of the industry."

According to Shadayev, for 9 months of 2024, the number of people employed in the IT industry increased by 100 thousand people - up to 850 thousand people. Thus, a total of about 85 thousand people could receive a preferential IT mortgage.

During the implementation of the program, banks received over 275 thousand applications, the total amount of loans issued reached ₽700 billion. The government has extended the IT mortgage until 2030, it is planned to provide housing for at least 82 thousand specialists.

Under the updated conditions of the program, the maximum size of the preferential loan is ₽9 million for all regions. Previously, the limit reached ₽18 million in million-plus cities and ₽9 million in other settlements.^[2]

Russian Prime Minister Mikhail Mishustin allocated ₽23,5 billion for IT mortgages

Russian Prime Minister Mikhail Mishustin in early December 2024 signed a decree on the allocation of ₽23,5 billion from the reserve fund for a preferential mortgage program for employees of accredited IT organizations. The funds will improve the living conditions of more than 80.5 thousand specialists in 2024.

According to Rossiyskaya Gazeta, the Ministry of Digital Development has been instructed to monitor the effectiveness of the use of the allocated funds and submit a corresponding report by March 1, 2025.

Mishustin allocated ₽23,5 billion for IT mortgage

In 2024, the preferential mortgage program for IT specialists was twice suspended due to the exhaustion of the allocated limit of funds. In June, the government extended the program until 2030, focusing on the development of qualified specialists in the regions.

The main condition for obtaining a preferential loan is compliance with the minimum income requirements. For cities with a population of one million, the Moscow and Leningrad regions, the minimum level of wages before personal income tax should be ₽150 thousand, for other settlements - ₽90 thousand per month.

The program does not apply to Moscow and St. Petersburg. The minimum size of the down payment is 20.1% for the objects of developer partners that are under project financing of the bank and are connected to the "Comprehensive Offer" option. In other cases, the initial contribution under preferential programs starts from 50.1%.

According to the participating banks of the program, the leader in issuing IT mortgages is Sberbank with a share of 70% of the total. The bank resumed transactions under the program from November 15, 2024 after the October suspension due to the exhaustion of the limit of funds.

The allocated funding is aimed at supporting IT specialists and developing the regional technology sector in accordance with the state program for the digitalization of the economy.^[3]

Increase in the down payment on IT mortgages from 20.1% to 50.1%

On October 10, 2024, it became known that Alfa-Bank increased the down payment on preferential mortgages for IT specialists to 50.1%. Previously, this figure was 20.1%.

The preferential IT mortgage program, launched in 2022, is very popular. With its help, the authorities seek to retain talented personnel in Russia. Alfa-Bank reported that the increase in the down payment was accepted due to the large number of applications for the program. In addition, the down payment on family mortgages increases to 50.1%, and on the Far Eastern and Arctic preferential mortgages - up to 30%.

The down payment on IT mortgages in Russia increased to 50.1%

For a long time, other banks have run out of limits on the issuance of family mortgages, others have increased the down payment. We tried to keep the conditions at the same level, unfortunately, due to the large number of applications, we increase the down payment, - say representatives of Alfa-Bank.

The program covers specialists aged 18 to 50 years inclusive who work for the duration of the mortgage agreement in accredited IT companies that meet the criteria for recipients of tax benefits. Preferential loans under the program are issued by more than 50 credit institutions (by October 2024).

The domestic digital industry is developing at a high pace, and it is important that this development takes place evenly throughout Russia. Therefore, today our main task is to preserve the personnel IT potential of the regions of our country. Taking into account the extension of the program until 2030, at least 82 thousand regional specialists will be able to purchase housing at a preferential rate, - the words of the Deputy Prime Minister - head of the government apparatus of the RFD Grigorenko are quoted in the message.

According to the Accounts Chamber, by the beginning of 2024 in Russia there were 755.6 thousand families who issued a family mortgage, 62.8 thousand families with a Far Eastern mortgage, 1.39 million borrowers with a total preferential mortgage for new buildings and 41.3 thousand specialists with IT mortgages.^[1]

Russian banks have exhausted IT mortgage limits

Russian banks have almost completely exhausted the limits on the issuance of IT mortgages. According to the ДОМ.РФ, by September 12, 2024, the program limit was used by 96%, the remaining volume is only ₽30,3 billion, which is significantly less than the volumes issued in May and June 2024.

According to TASS, the analysis of the data shows that the main banks participating in the program are close to the full use of their quotas. Thus, Rosbank has exhausted 99.2% of the limit, Alfa-Bank - 98.3%, Bank ДОМ.РФ - 97.6%, Sberbank - 97.5%, and VTB - 97%. These institutions are leaders in issuing IT mortgages, which led to the rapid spending of program funds.

Russian banks have exhausted IT mortgage limits

The IT mortgage program was actively used in the first half of 2024. In May 2024, 6.74 thousand loans were issued for a total of ₽63,67 billion, and in June - 6.93 thousand for ₽66,06 billion. However, since July 2024, after tightening the conditions of the program, the volume of issuance has sharply decreased: only 2.83 thousand mortgages for ₽30,29 billion were issued. In August 2024, this figure decreased even more - to 177 contracts for ₽1,76 billion.

The head of the ipoteka.global platform, Sergei Gordeiko, noted that a significant increase in limits should not be expected. He explains this by the policy of the Central Bank of Russia and the high costs of compensation to banks under preferential programs. In his forecasts, such news about the exhaustion of limits will appear more and more often, as budget loads grow, especially after the Central Bank raised the key rate to 19% on September 13, 2024.

From August 1, 2024, the conditions of the IT mortgage program were changed, and now the purchase of housing at a preferential rate is impossible in Moscow and St. Petersburg. The maximum rate under the program is set at up to 6% per annum, and the maximum loan amount is up to ₽9 million.^[4]

The Russian government has increased budget spending on IT mortgages by 23 billion rubles

On July 31, 2024, the Government of the Russian Federation decided to allocate additional allocations for IT mortgages, which is associated with the high demand for this program. Budget expenditures in this area will be increased by more than 23 billion rubles.

The initiative was announced by the Chairman of the Government of the Russian Federation Mikhail Mishustin. According to him, the bulk of the additional budgetary allocations will be allocated in the third quarter of 2024. This will improve the living conditions of approximately 2.5 thousand. IT professionals. In total, by the end of 2024, it is planned to issue an additional 4.5 thousand mortgage loans on new terms. According to the head of government, for the entire time of the implementation of the program of preferential mortgage lending for IT specialists, banks received over 275 thousand applications and issued loans worth 700 billion rubles. Such loans are issued by over 50 organizations.

The Government of the Russian Federation decided to allocate additional allocations for IT mortgages

In turn, Deputy Prime Minister Dmitry Grigorenko emphasizes that the domestic digital industry is developing at a high pace, and "it is important that this development takes place evenly throughout Russia." It is expected that the expanded IT mortgage program will contribute to this goal.

The Ministry of Digital Development of the Russian Federation explains the change in the conditions of IT mortgages by the fact that earlier more than half of the distributed funds were directed to the purchase of housing in Moscow and St. Petersburg, where the salaries of borrowers - IT specialists are much higher than the national average - 300 thousand and 230 thousand rubles, respectively. Therefore, priorities were adjusted to support and preserve personnel in the regions. Moreover, many regions, due to their programs, additionally reduce the IT mortgage rate in order to retain specialists. It is also said that providing a preferential rate for issued mortgages, taking into account the key rate, will cost the federal budget more than 180 billion rubles until 2030.^[5]

Programmers in Russia will not be able to quit without paying off the IT mortgage

At the end of July 2024, the Ministry of Digital Development of the Russian Federation announced new conditions for the provision of preferential mortgages for IT specialists. One of the innovations is that IT specialists will not be able to quit without paying off a subsidized loan for the purchase of real estate.

The minimum term of work in an IT company: there were - five years from the moment the loan was issued, it became - during the entire term of the mortgage, - specified in the message of the Ministry of Digital Development.[6]

IT mortgage takers banned from quitting until it is repaid

The rate on the updated IT mortgage increased from 5% to 6% per annum. The chief expert of Rusipotek, Sergei Gordeiko, in a conversation with RIA Real Estate, suggested that a change of one percentage point would not negatively affect the demand for IT mortgages at current market mortgage rates.

Those who did not want to take out an IT mortgage before will now take it to at least fix forced financing at current deposit rates: to take money from it and pay for a mortgage. A rough scheme, but all the current distortions lead to this, - the expert believes.

Renat Lashin, executive director of the Association of Software Developers "Domestic Software," noted that preferential mortgages turned out to be "one of the most effective tools for attracting and retaining IT specialists in the country."

It is gratifying that in the context of an increase in rates for all similar programs, the approved maximum IT mortgage rate from August will be up to 6% per annum. Thus, IT mortgages will still remain attractive to IT specialists. Changing the terms of the program with a focus on the regions will support local IT specialists, as well as additionally attract qualified personnel to the cities of Russia to obtain a preferential mortgage, he believes.

The government  has extended the IT mortgage until 2030. It is expected that at least 82 thousand specialists will be able to purchase housing at a preferential rate.

IT mortgage extended, but not in Moscow and St. Petersburg

On July 31, 2024, the Government of the Russian Federation decided to extend the program of preferential mortgage lending for IT specialists until 2030. It is assumed that this will contribute to strengthening the personnel capacity of the relevant industry. Moreover, in order to retain qualified workers in the regions, the program does not apply to Moscow and St. Petersburg.

In accordance with the new conditions, the maximum rate is up to 6% per annum, and the maximum loan amount on preferential terms is up to 9 million rubles. At the same time, the rate can be further reduced due to banking and regional initiatives. To obtain a concessional loan, certain conditions must be met. Thus, the applicant's minimum salary before personal income tax should be from 150 thousand rubles a month in million-plus cities, as well as in the Moscow and Leningrad regions. For other cities and settlements, the bar is set at 90 thousand rubles per month or more.

IT mortgage program extended until 2030

As Deputy Prime Minister Dmitry Grigorenko noted, taking into account the extension of the program until 2030, at least 82 thousand regional IT specialists will be able to purchase housing at a preferential rate. The government decided to additionally allocate over 39 billion rubles, which will be used both to support IT workers under the updated conditions of the program, and to finance previously issued mortgage loans.

The updated program applies to specialists aged 18 to 50 who work for the duration of the mortgage agreement in accredited IT companies that meet the criteria for recipients of tax benefits. IT mortgages can be issued for the purchase of housing under construction or finished housing in the primary real estate market or for individual housing construction.^[7]

The Ministry of Digital Development and the Ministry of Finance were instructed to find 28.5 billion rubles for already issued IT mortgages

On June 18, 2024, it became known that the Russian government instructed the Ministry of Digital Development and the Ministry of Finance to find an additional 28.5 billion rubles for the implementation of IT mortgages already issued. This initiative is aimed at compensating the costs of banks incurred on preferential lending, which confirms the need to support this market segment.

According to Kommersant, Deputy Prime Minister Dmitry Grigorenko sent a corresponding order to the Ministry of Digital Development and the Ministry of Finance on June 17, 2024. Ministries should work out amendments to the second reading of the draft federal budget for 2024 and the planning period 2025 and 2026. Grigorenko also instructed to work out the extension of the preferential mortgage program for IT specialists, which ends in 2024.

The Ministry of Finance and the Ministry of Digital Development of Digital Industry must find an additional 28.5 billion rubles for the implementation of IT mortgages already issued

According to Kommersant, representatives of one of the largest banks confirmed the presence of a shortage of funds to cover the costs of the already issued IT mortgage. Banks issue loans from their own funds, and then the operator of the Дом.РФ program compensates for the costs. However, at the moment there are not enough funds, and additional funding is required. According to bankers, the total amount of funds may end in the near future, but whether an additional 28.5 billion rubles will be enough, the program operator will estimate.

According to the source of the newspaper, by June 2024, IT mortgages "are not a priority condition for employees in employment, since the loan rate depends on the accreditation of the company and the availability of a state subsidy for banks." According to the interlocutor, the rate can return to market value if the employee decides to change jobs and gets a job in an unaccredited IT company:

IT company Postgres Professional reported a significant increase in demand for IT mortgages among its employees. Vice-President of the Association of Banks of Russia Alexei Voilukov warns that in the absence of subsidies for preferential mortgage loans, banks have the right to raise the rate to the market level.^[8]

Moscow and St. Petersburg will be disconnected from IT mortgages

On June 18, 2024, information appeared that the Cabinet of Ministers was considering the possibility of changing the conditions for issuing preferential mortgage loans under the program for IT employees. We are talking, in particular, that this initiative will no longer apply to Moscow and St. Petersburg.

According to the Vedomosti newspaper, Deputy Prime Minister Dmitry Grigorenko instructed the Ministry of Finance and the Ministry of Digital Development to work out the issue of extending preferential mortgages for IT specialists. Initially, it was assumed that the action of this program, available from May 2022, will be completed at the end of 2024. As of June 2024, more than 70 thousand IT specialists in the amount of approximately 630 billion rubles used preferential mortgages, which exceeded the expected support indicators.

The Cabinet of Ministers is considering the possibility of changing the conditions for issuing preferential mortgage loans under the program for IT employees

The proposed changes in the IT mortgage program, in addition to the exclusion of Moscow and St. Petersburg, provide for an increase in the threshold for the minimum level of salaries. In accordance with the previous conditions, IT specialists should receive at least 150 thousand rubles a month in Moscow, at least 150 thousand rubles in other million-plus cities and at least 70 thousand rubles in other Russian cities.

According to Alexei Novikov, director of the Est-a-Tet mortgage lending department, the tasks of preferential IT mortgages can be considered fulfilled.

During the program, many representatives of the IT industry were able to use this product and purchase housing on favorable terms. According to bank statistics, a small number of customers remained in this category and, most likely, their needs for this product will be closed by the end of this year, "he told the publication.

According to him, banks estimated the remaining number of employees who can use IT mortgages at about 4,000-5,000 people. The lion's share fell on Moscow and St. Petersburg, so if these cities are excluded, then a small number of people will remain in the regions, Novikov believes.

The demand for IT mortgages turned out to be higher than expected, since in the context of raising rates on all similar programs, this tool has become even more attractive for IT specialists, said Renat Lashin, executive director of the Domestic Software Software Developers Association.^[9]

VTB suspended the issuance of IT mortgages due to the exhaustion of the limit

From June 17, 2024, VTB suspended the issuance of subsidized mortgages for IT specialists due to the exhaustion of the limit. The program is expected to be completed early.

Despite the fact that VTB has suspended the issuance of IT mortgages, the bank will continue to accept and consider applications for the program in all channels. Loan agreements concluded before June 17, 2024 remain in force, customers will be able to conduct transactions on them on previously approved terms, the credit institution said.

VTB suspended the issuance of subsidized mortgages for IT specialists due to the exhaustion of the limit

VTB also clarified that they are waiting for the government's decision to further finance IT mortgages.

After making appropriate decisions and allocating limits, we are ready to promptly resume work on the program, - assured the state bank.

According to VTB's own data, since May 2022, the bank, as part of the IT mortgage program, has issued 15.9 thousand loans totaling 154.5 billion rubles.

According to an Interfax source in the banking market, the total limit on IT mortgages for all banks may end in July, while the program is valid until the end of 2024.

The Ministry of Digital Development told Rossiyskaya Gazeta that the program's indicators were determined by the number of mortgages issued.

We reached them together with participating banks in connection with the demand for IT mortgages. Currently, we are discussing the parameters for the continuation of the program, - explained in the press service of the department in mid-June 2024.

They added that for the entire time of the implementation of the program, more than 70 thousand specialists have already used it in the amount of 630 billion rubles, which exceeded the expected support indicators for last year by more than 50%.^[10]

The Ministry of Digital Development Industry will increase the volume of IT mortgages to 1 trillion rubles in 2024

At the end of May 2024, the Ministry of Digital Development, Communications and Mass Media of the Russian Federation announced an increase in the volume of subsidized mortgages for IT specialists to 1 trillion rubles. We are talking about funds allocated for the program for 2024.

Alexey Dorozhko, Department for the Development of the IT Industry in the Ministry, spoke about plans to increase IT mortgages. He also cited data according to which 65 thousand took advantage of this program in Russia by the end of May 2024. IT specialists, and the total amount of soft loans issued reached 580 billion rubles. Excerpts from Dorozhko's presentation are quoted by TASS.

The Ministry of Digital Development announced an increase in the volume of subsidized mortgages for IT specialists to 1 trillion rubles

Within a few months from the beginning of 2024, a number of banks reported the exhaustion of funds allocated for the program and the termination of IT mortgages, but subsequently they resumed the program. Since May 21, 2024, Sberbank has raised IT mortgage limits: in million-plus regions, it amounted to 30 million rubles, in other settlements - 15 million rubles. In this case, the amount over the limit established by the program will be issued at the market rate.

The amount within the base limit will be issued at a preferential rate of 5%, and the amount over - at the market rate, explained the director of the Domklik division of Sberbank. As a result, the weighted average rate for the program will come out in the range of 6%, he added. According to the state-owned company "Дом.РФ," the average rate on housing in new buildings by May 2024 is 16.76%, on - secondary - 16.95%.

IT mortgages, in which employees of accredited companies can issue a loan at a reduced rate, will be valid until the end of 2024. It is not planned to be extended.^[11]

The limit on IT mortgages in Sberbank in regions with a population of one million increased from 18 to 30 million rubles

From May 21, 2024, customers Sberbank will be able to take preferential - ITmortgage on Domklik with an increased limit. In million-plus regions, the limit will be 30 million, in rubles other settlements - 15 million. At the same time, the basic limits on IT the -totek, approved, are Government of the Russian Federation 18 million and 9 million rubles, respectively. Under the program, you can buy housing in new buildings. More. here

The weekly volume of IT mortgages issued to VTB exceeded 2 billion rubles

After the resumption of issues IT-mortgages from April 8, 2024, about 250 customers issued it, VTB receiving real estate 2.2 billion for the purchase. rubles The average check amounted to about 8.5 million rubles - twice as high as for other preferential programs. The total volume of transactions on IT mortgages in the bank is approaching 120 billion rubles. The bank announced this on April 15, 2024.

VTB has always advocated targeted assistance to customers, and IT mortgages are an excellent example. The program has become a really effective tool for supporting employees in the field of information technology, allowing them to qualitatively solve the housing issue and focus on their professional development. For two years, VTB has helped more than 12 thousand IT specialists buy real estate. We recorded increased customer activity in March, when the limits of other market players ended, so we did everything possible to resume work on the program as quickly as possible and meet customer demand, "commented Sergey Babin, head of VTB's Mortgage Lending department.

Since April 8, VTB has resumed issuing IT mortgages immediately after the government's decision to allocate additional funds for the development of the program. Borrowers can issue loans on the same terms: the rate is 5% per annum for the entire term of the contract, and the minimum down payment is 20.1% of the cost of real estate. Due to VTB's cooperation with developer partners, bank customers can use the loan amount increased to 30 million rubles.

Employees of companies accredited Ministry of Digital Development the Russian Federation aged 18 to 50 years inclusive can issue an IT mortgage. For borrowers aged 36 to 50, the requirements for monthly income are established: in million-plus cities (with the exception of Moscow) it should be at least 120 thousand rubles, in the rest - 70 thousand. In the capital, the minimum wage for obtaining a preferential loan by such clients is 150 thousand rubles a month. It is possible to get a loan on an IT mortgage for the purchase of apartments, townhouses and houses from a legal entity, as well as for individual housing construction by a contracting organization.

At VTB, when buying real estate in million-plus regions, borrowers can receive up to 30 million rubles on preferential terms, in the rest - up to 15 million. Significantly expand the capabilities of IT specialists allows the bank to cooperate with developer partners who subsidize the rate to the client if the maximum amount of his loan exceeds the limits set by the government.

The Ministry of Finance of the Russian Federation agreed to increase the limit on IT mortgages to 700 billion rubles

The Ministry of Finance of the Russian Federation agreed on a government decree to increase the total limit on the preferential mortgage program for IT specialists from 500 billion to 700 billion rubles. The press service of the department announced this on April 1, 2024.

As noted in the Ministry of Finance, in April 2024, "Дом.рф" will distribute additional limits between banks and bring financing to them.

The limit of preferential IT mortgages will grow to 700 billion rubles

By the beginning of April 2024, the initial payment on a preferential IT mortgage is 20%, the maximum loan amount is 9 million rubles in regions with a population of less than 1 million people and 18 million rubles for million-plus cities. Employees of all accredited IT companies aged 18 to 50 can get a mortgage, and employees under 35 do not need to confirm the salary level. For the rest, the minimum salary threshold should be from 70 thousand to 150 thousand rubles, depending on the region.

Due to the exhaustion of the limits allocated by the government for the issuance of preferential mortgages for IT specialists, banks were forced to stop the issuance of such loans. This is exactly what VTB did, the press service of the credit institution announced this on April 1, 2024.

From April 3, we suspend the issuance of loans on IT mortgages due to the exhaustion of the allocated limit under the program. Now VTB is waiting for the government's decision on the further development of IT mortgages and, with an increase in its financing, will take part in a new distribution of funds, the bank said in a statement.

VTB noted that an increase in limits will allow the resumption of work under the program, the total volume of transactions in which from May 2022 to early April 2024 approached 108 billion rubles. Loans, according to VTB's own data, were received by about 11 thousand bank customers. The preferential IT mortgage program is valid until the end of 2024.^[12]

IT mortgage limits in Russia increase from 500 billion to 700 billion rubles

On February 26, 2024, the Ministry of Digital Development, Communications and Mass Media of the Russian Federation announced an increase in the limit on the program of subsidized mortgage loans for IT specialists from 500 billion to 700 billion rubles. The department expects that this measure will help support at least 15 thousand employees of technology companies who want to improve their living conditions.

On February 7, 2024, Sberbank, VTB, Sovcombank and RNKB informed Vedomosti that credit organizations are waiting for an increase in the total credit limit under the preferential housing mortgage program for IT specialists. The fact is that due to the exhaustion of the limit, a number of large banks have suspended the collection of applications and issuance. The Ministry of Digital Development noted that the limit of 500 billion rubles has already made it possible to provide support for 50 thousand. IT professionals.

The limit on the mortgage program for IT specialists has been increased to 700 billion rubles

According to the Ministry of Digital Development of Finance, which was published on February 26, 2024, during the operation of the IT mortgage program, banks received about 167 thousand applications for the issuance of such loans. And 51.1 thousand subsidized mortgages worth 447 billion rubles were issued.

From the statistics of the Ministry of Ministry of Digital Development, it also follows that IT mortgages are in greatest demand in the following regions:

• Moscow (13.7 thousand loans issued for the entire time);
• Petersburg (6.1 thousand);
• Moscow region (4.2 thousand);
• Sverdlovsk region (2.5 thousand);
• Tatarstan (2.3 thousand);
• Krasnodar Territory (1.9 thousand);
• Novosibirsk region (1.8 thousand);
• Nizhny Novgorod region (1.4 thousand).

According to the director of Domklik Aleksei Leypi, the gradual easing of the conditions for IT mortgages (for example, the government has expanded the age framework and reduced the required level of income, for employees under 35 years old, the salary requirements have been completely canceled) has made it possible to multiply the number of borrowers under the program.^[13]

Ministry of Digital Development of the Russian Federation will increase IT mortgage limits

The Ministry of Digital Development, Communications and Mass Media of the Russian Federation has prepared a draft government decree on increasing limits on subsidized mortgage loans issued to specialists in the field of information and communication technologies. This was reported by the Ministry of Finance of Russia on February 6, 2024.

As part of monitoring the implementation of preferential mortgage programs, the Ministry of Finance of Russia in working order supported an increase in IT mortgage limits in order to prevent the program from stopping, the department said in a statement.

The Ministry of Digital Development has prepared a draft government decree on increasing limits on subsidized mortgage loans for IT specialists

The Ministry of Finance banks dollars noted that the remaining limits between which they ended (39 billion by February 6, 2024) redistributes "." Дом.РФ Until the signing of the decree, the issuance will continue taking into account the redistribution.

Thus, the issuance of the so-called IT mortgage will continue, taking into account the redistribution until a government decree is adopted. Earlier, a number of Russian banks, including Sberbank, PSB, MTS Bank and Bank St. Petersburg, stopped accepting applications for IT mortgages.

As part of the so-called IT mortgage, employees of technology companies can buy an apartment in a new building or build a private house in a mortgage at a rate of 5%. An employee of a company working in the field of information technology and having Ministry of Digital Development accreditation can apply for a mortgage at a reduced rate. The program is valid until the end of 2024.

The Ministry of Digital Development reported that from the beginning of the project to support the IT industry, employees of IT companies by the beginning of February 2024 issued 48.6 thousand preferential mortgage loans totaling 424.8 billion rubles. The average rate on them is 4.2%. The maximum rate under the IT mortgage program is 5%, but credit institutions can offer a lower rate.^[14]

Sber closed IT mortgage

Sberbank has stopped accepting applications for mortgage loans under a preferential program for IT specialists. This was reported in early February 2024 on the website of the DomClick platform, which is being developed by the largest credit institution in Russia.

Applications have been accepted. We will inform you about the resumption of acceptance of applications additionally, - said in the message "DomClick."

Sberbank stopped accepting applications for mortgage loans under a preferential program

The completion of accepting applications for an IT mortgage is due to the fact that Sber has exhausted its limits, TASS reports with reference to the press service of the Сделка.рф marketplace.

At the end of January 2024, several Russian banks stopped accepting applications for a preferential IT mortgage. This decision was made, in particular, in PSB Bank, MTS Bank, RNKB and Bank of St. Petersburg. Sber and VTB then reduced the volume of issuance. Svetlana Nekrasova, Managing Director of Дом.РФ, explained then that the limits on the issuance of loans under the state program for banks end against the background of high demand.

A pause in accepting applications may have technical reasons, suggested Sergey Gordeiko, chief expert of Rusipoteka. Perhaps banks are waiting for a redistribution or an increase in limits. According to Gordeyko, MTS Bank and RNKB have ended their limits. The RNKB clarified that the bank continued to accept applications for a preferential IT mortgage, but suspended the issuance of loans under this program due to the consumption of limits on it.

According to Дом.РФ estimates, by the beginning of 2024, Sber occupies more than 60% of the share in the total volume of mortgage issuance in the Russian Federation among the top 20 banks. According to Olga Sidorenko, Development Director of Сделка.рф, since the beginning of the IT mortgage by the end of January 2024, a total of more than 48,000 loans worth 420 billion rubles have been issued. 44 banks are participating in the program, she added.^[15]

2023

Among borrowers of IT mortgages for new buildings in Russia, the share of women has sharply increased

Among borrowers of IT mortgages for new buildings, the share of women in 2023 reached 31.1%, which is 10 percentage points more than a year and a half earlier. Such data were published by analysts of the Domklik service in January 2024.

According to the study, the average buyer of real estate in the primary market, using a preferential mortgage for IT specialists, has grown younger from 33 to 32 years in 1.5 years. Mitigation of requirements for the minimum level of monthly income of borrowers led to the fact that the median income of the borrower decreased from 210 to 170 thousand, and the loan amount - from 8 to 7.7 million rubles. The initial payment decreased from 3 million to 2.4 million rubles, the monthly payment - from 47.6 thousand to 42.3 thousand rubles. The median loan term increased by four years and reached 27 years, according to the materials of Domklik.

Aleksei Leypi, director of the Domklik division of Sberbank, stressed that the phased easing of IT mortgage conditions made it possible to multiply the number of borrowers under the program.

If before the first expansion the monthly number of issues did not exceed 500, then since February 2023 the level of demand has almost never dropped below 1000. And after the second expansion of the program, the number of transactions was stable at the level of 2.5-3 thousand per month, - he stated.

In addition, analysts found out in which regions in September-December 2023 they more often took out an IT mortgage. 22.6 Moscow % of all IT mortgages in the primary market accounted for, St. Petersburg 12.1%, and Moscow area 7.6%.

Experts also compared portraits of borrowers in the market of new buildings and individual housing construction. It turned out that there are significantly more women borrowers in the primary market than in the individual housing construction market. In addition, young IT specialists often take an apartment in a new building, and borrowers for 35 years take a house.^[16]

Preferential mortgage for employees of IT companies will be extended after 2024

The Ministry of Digital Development of the Russian Federation is discussing with the relevant departments the issue of extending the preferential mortgage program for IT specialists of companies accredited by the ministry. This was announced on December 4, 2023 by the press service of the State Duma deputy RFAnton Nemkin.

In just a year and a half of the program, 38.5 thousand loans have already been issued for a total of 337 billion rubles, and the average rate on them is 4.2%, the ministry added. Most often, IT specialists from Moscow, St. Petersburg and the Moscow region issue a preferential mortgage.

Thus, almost 5 thousand loans under the preferential mortgage program for IT specialists with a total volume of 62.1 billion rubles were issued in Moscow from January to August, the press service of the capital's complex of economic policy and property and land relations reported earlier. According to the results of January - August, the capital accounted for more than 27% of the total number of loans issued in the country and almost 40% of their volume. Every fifteenth mortgage loan issued in the capital is an IT mortgage.

Earlier, Russian Prime Minister Mikhail Mishustin signed a document that simplifies the receipt of preferential mortgage loans for young IT specialists in the Russian Federation. Thus, IT specialists under the age of 35 will now be able to issue a preferential mortgage loan without taking into account the requirements for the minimum wage level. Previously, the threshold of monthly income for such a mortgage was 120 thousand rubles in cities with a population of one million and 70 thousand rubles a month in other settlements.

In addition, in January, the government expanded the preferential mortgage program for IT specialists. Such loans became available to employees of 20 thousand accredited companies aged 18 to 50 years (previously - aged 22 to 44 years).

Thanks to the innovations that were adopted in early autumn, the availability of the program for young specialists has significantly increased, which has already stimulated the demand for it. The monthly issuance of such loans continues to grow and has already approached 3 thousand loans. In addition, favorable mortgage conditions along with good salaries are an incentive for the younger generation to increasingly choose in favor of IT professions. This is important in the context of how rapidly the industry has been developing in recent years, and how much the demand for qualified specialists is growing. Today it is extremely important for us to make the digital industry attractive to young people, and IT mortgages, in particular, are one of the tools that successfully cope with this, he added.

As the study of the services "Работа.ру" and "SberSelection" showed, the majority of Russians - 66% - believe that the most promising in 2024 will be specialties in the field of IT and working professions. When asked why these professions would be promising, most often Russians noted large salaries (43%) and high competition of employers for personnel (43%). The respondents also pointed to the prospects for the development of the profession in the Russian Federation and other countries (39%), the prestige of the specialty (32%), the opportunity for remote work (25%) and high career potential (23%).

Moscow region entered the top three regions in terms of the number of IT mortgages issued

In the Moscow region, since the beginning of 2023, more than 2.5 thousand preferential loans have been issued for employees of IT companies. This was reported on October 23, 2023 by the press service of the Ministry of State Administration of the region.

"Our region entered the top three subjects of the country in terms of the number of mortgages issued to IT specialists. Let me remind you that such a federal support measure was introduced by the Ministry of Digital Development of the Russian Federation and allows IT specialists to quickly purchase their own housing at a favorable mortgage rate. Since the beginning of the year, more than 2.5 thousand preferential mortgages have been issued to employees of IT companies, "said Irina Kaklyugina, vice-governor of the Moscow region.

Employees of an accredited IT company under the age of 50 who are citizens of the Russian Federation can take advantage of a preferential mortgage. Specialists from 36 to 50 years old must have a monthly income before personal income tax of at least 150 thousand rubles, if the company is registered in Moscow, at least 120 thousand rubles for million-plus cities and at least 70 thousand for employees of companies located in all cities and municipalities, except for million-plus cities. Employees under 35 years old inclusive are not subject to salary requirements.

After applying for a loan, you need to work in an accredited IT company for at least 5 years. If an employee quits, then the preferential rate will remain for six months. During this time, you need to get a job in another accredited company.

You can see the list of banks participating in the program, find out detailed conditions and check whether the company meets the conditions of the IT mortgage on the Unified Portal of Public Services.^[17]

An application for a mortgage for employees of high-tech companies can be submitted by the end of 2024.

Ministry of Digital Development: IT mortgage issued 23 thousand people

By the beginning of September 2023, more than 23 thousand specialized specialists have received preferential IT mortgages since the launch of the program in May 2022. The volume of loans issued under this program exceeded 207 billion rubles. This was announced on September 7, 2023 by the deputy head of the Ministry of Digital Science Andrei Zarenin at a press conference dedicated to the absolute victory of the Russian national team at the 35th International Olympiad in Informatics.

Here we do not stand still, we are developing. On August 31, our total credit limit under the program for all those occupying was increased to 500 billion rubles, - said Zarenin.

According to him , in Russia, the information technology industry is actively moving forward, and "a significant role, of course, was played by the measures that were approved last [2022] by presidential decree."

According to the Ministry of Digital Development Finance, which are presented in early September 2023, after simplifying the conditions of the IT mortgage at the beginning of 2023, the issuance of such loans increased and reached more than 700 per week. According to the forecasts of the department, by the end of 2023, the total number of IT specialists who received preferential loans for the purchase of real estate will be at least 30 thousand people.

Employees of all accredited IT companies can receive a preferential mortgage. The maximum loan rate is up to 5% per annum. But regions and banks often further reduce it.

Regions in which the rate is reduced (data at the beginning of September 2023):

• Belgorod region - no higher than 2%;
• Kaluga region - no more than 2%;
• Samara region - no higher than 2%;
• Bashkortostan - no higher than 4%.

Tatyana Galkina, director of the iSpring Academy, draws attention to the fact that mortgages nevertheless increased in popularity, when in the next package of benefits the minimum salary threshold for IT specialists in the regions was reduced from 100 thousand to 70 thousand rubles. The new simplification of IT mortgage conditions will allow companies to attract new personnel, banks to increase the volume of mortgage loans, and IT specialists to improve housing conditions.^[18]

Mishustin canceled the salary qualification for IT specialists who want to issue a preferential mortgage

Prime Minister Mikhail Mishustin signed a decree that softened the terms of mortgage loans for IT specialists. The press service of the Cabinet of Ministers announced this on September 1, 2023.

In accordance with the approved changes, IT specialists under the age of 36 will be able to issue a preferential mortgage loan without taking into account the requirements for the minimum wage level. Previously, cities with a population of one million had to earn at least 120 thousand rubles a month to receive a preferential loan to IT specialists. In other cities and settlements, this level was 70 thousand rubles a month. At the same time, the minimum salary of specialists working in Moscow should be at least 150 thousand rubles per month. The exclusion of the salary qualification will allow even more industry workers to purchase housing on favorable terms, according to the government.

The issuance of IT mortgages for the two quarters of 2023 increased almost 2.5 times compared to the same period in 2022. Izvestia reported this with reference to the data of the operator of the ДОМ.РФ program at the end of July 2023. By this time, during the existence of the IT mortgage program from May 2022, 16.3 thousand loans were issued in the amount of 143.4 billion rubles. At the same time, in the first half of 2023 alone, 10.8 thousand such loans were issued for 93.2 billion rubles.

Experts interviewed by the publication associate the increase in the number of IT mortgages with the updated conditions of the program, which entered into force in February 2023. Thus, the age framework for borrowers was expanded, the requirements for the lower salary rate were reduced, and the maximum loan amount in million-plus cities was increased.

The majority of IT specialists in the country are people under 35 years old, and the average age of a Russian programmer is 26-27 years old, said Natalya Milchakova, leading analyst at Freedom Finance Global. That is why the emergence of IT mortgages is an important innovation, because many young specialists cannot purchase real estate at their own expense. The preferential program remains the only chance for them to get their own housing.^[19]

In Moscow, the demand for IT mortgages from Sberbank has grown sevenfold

For 7 months of 2023, Sberbank in Moscow issued 7 times more preferential loans under the Mortgage for IT Specialists program than for the same period in 2022, totaling over 15 billion rubles. This was reported to Sberbank on August 14, 2023.

In total, since the launch of the program in May 2022, the volume of IT mortgages issued by Sberbank in the capital has amounted to more than 21 billion rubles. Read more here.

Moscow Region IT specialists received mortgage loans worth 8.5 billion rubles

Since the beginning of 2023, about 3.2 thousand employees of high-tech companies Moscow region have applied for. preferential mortgage More than 2.3 thousand applications were approved, the amount credits amounted to 8.5 billion. This was rubles announced on July 20, 2023 in the press service. Ministries of Public Administration, Information Technology and Communications of the Region

"The federal program of preferential mortgages for IT specialists has been in effect for more than a year. During this time, loans totaling 12.5 billion rubles were approved by 4.6 thousand specialists of high-tech companies in the Moscow region. With this support measure, you can buy an apartment in a new building or build a private house. The mortgage rate will be 5% or even less if the bank or developer has special conditions, "commented Irina Kaklyugina, vice-governor of the Moscow region.

To take advantage of a preferential mortgage, you need to work in an accredited IT company, have Russian citizenship, be at least 22 and not older than 50 years, as well as have a monthly income before personal income tax of at least 150 thousand rubles, if the company is registered in Moscow, at least 120 thousand rubles for cities with a population of over one million and at least 70 thousand for employees of companies located in all cities and municipalities, except for cities with a population of over one million.

The program is valid until the end of 2024, but the preferential rate will remain for the entire term of the mortgage loan. You can see the list of banks participating in the program, find out detailed conditions and check whether the company meets the conditions of the IT mortgage on a special page on the Unified Portal of Public services.

In the Chelyabinsk region, the first agreement was signed for the regional payment of compensation for preferential IT mortgages

and Ministry of Digital Development of the Chelyabinsk Region Minsots Chelyabinsk region signed an agreement on cooperation with - Sberbank for the implementation of compensation payments - IT specialists within the framework of preferential housing mortgages. Ministry of Digital Development Chelyabinsk This area was reported on June 2, 2023.

In December 2022, a law on additional social support for IT specialists was adopted in the Chelyabinsk region. Employees of accredited IT companies that work in the Chelyabinsk region received the right to compensation for part of the interest rate on housing loans issued for the purchase (construction) of housing in the region. Compensation will be paid once a quarter in the amount of three percent points of the mortgage contract rate. The agreement with Sberbank was the first and will be typical. Ministry of Digital Development of the region invites banks participating in the federal program to join the regional project.

In the South, at the Urals initiative of the Governor Alexey Teksler , a comprehensive system of measures to support IT and has been developed. telecom industries These are tax preferences, subsidies, a decrease in rental value, grants for the IT sector and much more. But companies will not exist without employees. Therefore, a federal preferential mortgage program with a rate of 5% has been adopted for IT specialists. And for those working in accredited companies of the Chelyabinsk region, a mechanism has been developed to compensate for mortgage interest already paid since January 2023. We are one of the first in the country to create a similar regional IT support program, said Igor Fetisov, Minister of Information Technologies, Communications and Digital Development, Chelyabinsk Region.

Шаблон:Quote 'author=said Irina Butorina, Minister of Social Relations of Chelyabinsk Region.

Шаблон:Quote 'author=noted Denis Chugunov, manager of the Chelyabinsk branch of Sberbank.

To receive compensation for the already received preferential mortgage, borrowers need to apply directly to the social protection service. South Urals, who are just starting to issue a loan, submit a package of documents at Sberbank branches without additional requests to other services. In Chelyabinsk, applications will be accepted at Sberbank branches on the street. Labor, 160, st. Dzerzhinsky, 93b and Komsomolsky Prospekt, 70v, and in Magnitogorsk - on pr. Lenin 74a. In the same offices, clients will be advised on the procedure for payments and the necessary documents.

Ministry of Industry and Trade will introduce mortgage benefits for electronics developers

On May 18, 2023, it became known about the new initiative of the Ministry of Industry and Trade regarding support for electronics developers. The agency proposes to lay into the current mechanisms for subsidizing electronics developers measures of social support for employees, in particular, mortgage benefits.

As Kommersant writes with reference to the corresponding draft government decree developed by the Ministry of Industry and Trade, companies that receive the subsidy will be able to direct part of the extrabudgetary funds pledged for the implementation of the project to allocate material assistance to employees to repay mortgage loans (up to 10% of the total project cost, but no more than 2 million rubles in hand).

According to the publication, developers and manufacturers of radio electronics are discussing with the Ministry of Industry and Trade the need for social support measures for employees from 2022, including raising the issue of mortgage benefits. The ministry tried to develop and approve a package of benefits, but the government did not support the initiative - according to market participants, the authorities fear that in this case other industries will request such support.

The unresolved housing issue leads to a change in the place of work among electronics developers, according to the Consortium of Design Centers of the ACRP, citing the results of a survey of specialized companies. The desired preferential mortgage parameters for specialists include setting a preferential rate of up to three percent, reducing the size of the down payment to 10 percent and canceling banks' requirements for the minimum salary.

The new tool to stimulate specialists will expand opportunities to attract and retain key workers, agree in Micron, calling the initiative "very important and timely."^[20]

Cancellation of salary requirements for young IT specialists for mortgages

On April 17, 2023, the Ministry of Digital Development, Communications and Mass Media of the Russian Federation announced its decision to abolish salary requirements for young specialists (up to 30 years inclusive) applying for an IT mortgage, as well as to increase the loan limit under the program from 240 billion to 500 billion rubles.

According to the changes proposed in the Ministry of Digital Development, the requirement for the minimum wage of the borrower to receive a preferential mortgage will apply only to borrowers aged 31 to 50 years (inclusive).

Such a clarification will cover a wider number of employees of accredited IT companies to receive a preferential mortgage loan in order to improve their living conditions, the explanatory note to the project says.

It also says that taking into account the current statistics of the implementation of the program, the average loan size is about 9 million rubles. The maximum loan exceeds the same indicator compared to other preferential mortgage programs, which made it possible to compensate for the accumulated price increase, and increase the pace of implementation of the program from the beginning of 2023.

If the current structure of issuing loans (loans) is maintained, it is necessary to increase the lending limit to 500 billion rubles, the authors of the project explain.

By April 17, 2023, the following salary requirements (before personal income tax) for employees of IT companies to receive a preferential mortgage are in effect: for Moscow - 150 thousand rubles, for million-plus cities - 120 thousand rubles, for other settlements - 70 thousand rubles.

According to Deputy Head of the Ministry of Digital Development Maxim Parshin, whose words on April 17, 2023 are quoted by the press service of the department, more than 10 thousand employees of IT companies have issued a preferential mortgage, the total amount of loans issued is more than 90 billion rubles.

The program is developing, and we are seeing that interest in it is only increasing, "he said.[21]

Demand for IT mortgages turned out to be below the expectations of the Ministry of Digital Development

The demand for preferential mortgages for IT specialists turned out to be lower than expected in the Ministry of Digital Development of the Russian Federation. On March 10, 2023, Kommersant writes about this according to a survey of market participants, banks and developers.

Vitaly Kostyukevich, director of the retail products department of Absolut Bank, told the publication that in the fall and winter of 2022 the number of applications for IT mortgages decreased significantly, but since February 2023 it has grown again. According to Tatiana Boeva, the head of the mortgage lending department of Granel Group, not all potential borrowers are familiar with this mortgage program - it takes time for the product to gain popularity.

A source close to one of the large developers confirmed to the publication that the IT mortgage is not too in demand due to the "difficult conditions for obtaining." Alexander Sivolobov, deputy head of the NTI competence center based on Skoltech, calls this program "the last thing that job seekers take into account when choosing a job." The issue of accreditation of the company in the process of interviewing developers "is usually raised regarding the receipt of armor from mobilization," he said.

Deputy Chairman of the Board of Дом.РФ Alexei Kosyakov told the publication that the bank issued about 1,500 loans worth 14.8 billion rubles. Sberbank noted that they issued more than 3,500 loans worth 28 billion rubles.

The Ministry of Digital Development expected that in 2022 about 10,000 mortgage loans will be issued to IT specialists. In total, at the end of the year, only 5,000 loans were issued. The agency confirmed this figure to the publication, noting that the total amount of mortgage issued amounted to 47.7 billion rubles.

Sources of the publication note that large IT companies have their own mortgage programs. Such a program exists, for example, in Yandex: "A loan of up to three years is provided at 0% per annum, up to 10 years - at 3% per annum," the source said. You can apply for a loan for real estate in the city where the company's office is located, he added.^[22]

Expansion of IT mortgage terms

In March 2023, Prime Minister Mikhail Mishustin signed a decree on softening the terms of preferential mortgage programs, including for IT specialists. Thus, the latter got the opportunity to issue loans for housing, which is part of the property of closed mutual investment funds. Transactions with such real estate are possible provided that the shareholders are the first owners of these premises, the press service of the Cabinet of Ministers explained.

The President called improving the living conditions of citizens one of the unconditional priorities, noting that a special role is given to the development of the mortgage market, including programs with state support, - said Mikhail Mishustin during a meeting of the Government of the Russian Federation on March 9, 2023.

On March 10, 2023, the Ministry of Digital Science of the Russian Federation reported that since the start of the program on preferential mortgages for IT specialists, 32 thousand applications have been submitted. Of these, more than 7.6 thousand loans were issued for a total of 68.6 billion rubles. By March 10, 2023, 14 thousand applications were approved, the rest are in processing. The largest number of IT mortgages is registered in the regions:

• Moscow;
• Saint Petersburg;
• Novosibirsk region;
• Yaroslavl region;
• Sverdlovsk region.

At the end of January 2023, the rules for obtaining an IT mortgage changed. The conditions for obtaining a loan have become easier, the salary requirements are lower, the Ministry of Digital Ministry of Digital Development recalled. From that moment on, the number of applications for IT mortgages began to actively increase. If in December 2022 2.1 thousand applications were received by banks, then in February 2023 4.7 thousand of them were submitted. The pace and volume of issuance doubled - up to 500 loans per week in the amount of about 5 billion rubles, the ministry said in a statement.The government softened the terms of mortgage programs

The Ministry of Digital Development named the timing of the issuance of preferential IT mortgages on new terms

On January 30, 2023, the Ministry of Digital Development of the Russian Federation announced the timing of the launch of a preferential IT mortgage on new terms. The issuance of loans will begin on February 7, 2023 after the entry into force of the approved rules, the department said.

One of the innovations is to expand the age framework: employees of accredited IT companies aged 18 and over will be able to receive a subsidized mortgage, then the previous minimum is 22 years. The upper age range for IT mortgage approval has been increased from 44 to 50. The marginal rate remained unchanged - up to 5% per annum, but banks often further reduce it.

As the deputy head noted, Ministry of Digital Development Russia Maxim Parshin the preferential mortgage program for IT specialists is in demand - by the beginning of January 2023, more than 6 thousand employees of IT companies received such loans for a total of 55 billion. rubles Banks compete for borrowers, the average rate was 4.1% per annum. In total, 53 banks participate in the program (by the end of January 2023).

With the new conditions, the number of companies whose employees have access to mortgages has doubled. In total, there are about 20 thousand organizations accredited today in the register. I propose to hurry up with the application in order to have time to become a participant in the program, - said Parshin.

The Ministry of Digital Development reported on January 30, 2023 that employees of all accredited IT companies will now be able to get a mortgage. There are now about 20 thousand such organizations. Previously, the company had to also receive tax breaks. Then the requirements for IT mortgages were suitable for about 12 thousand companies.

Earlier, "Дом.рф" predicted that in 2023 about 10 thousand will be able to use a preferential mortgage. IT professionals, which is 66% more than a year earlier.

Sber softens the conditions of the preferential state program "Mortgage for IT"

Sberbank on January 30, 2023 announced that it would improve the conditions of the preferential state program "Mortgage for IT" in accordance with the decision of the government of the Russian Federation. The bank softens the requirements for the minimum monthly income of borrowers. For cities with a population of over one million (except Moscow), it has been reduced from 150 thousand rubles to 120 thousand, for other cities - from 100 thousand to 70 thousand (for Muscovites, the lower bar has not changed - 150 thousand rubles). Read more here.

Mishustin expanded IT mortgage

On January 30, 2023, Prime Minister RFMikhail Mishustin announced the signing of a decree on expanding the preferential mortgage program for IT specialists. According to the Prime Minister, such subsidized loans will now be available to employees of all accredited companies aged 18 to 50 years inclusive. Previously, the program covered workers from 22 to 44 years old.

The requirements for the minimum salary of specialists have also been adjusted. This figure has been reduced from 150 thousand to 120 thousand rubles per month (before personal income tax) in million-plus cities and from 100 thousand to 70 thousand rubles in other settlements. At the same time, the requirements for specialists working in Moscow will remain the same. Their minimum salary should be at least 150 thousand rubles a month.

In addition, now the minimum salary can be calculated not only at the main place of work, but also in conjunction with part-time work (also in an accredited IT company). It can be either the head office of the company or the regional branch).

Another change concerns the length of service of specialists. Now, in order not to lose a favorable rate, after receiving a mortgage, a specialist needs to be employed in an accredited company for at least five years, and not the entire loan repayment period. If the employee leaves earlier, the preferential rate will be valid for him for another six months (instead of three months, as it was before). After this period, the credit rate will rise to the level of the market.

At a meeting with deputy prime ministers on January 30, 2023, Mikhail Mishustin recalled that the president Russia Vladimir Putin set the task of ensuring the country's technological sovereignty.

To solve it, competent IT specialists are in demand, and it is important to provide them with comprehensive support, to preserve the personnel potential of the industry, - said the head of the Government of the Russian Federation.[23]

2022

Russian IT specialists took 5.8 thousand mortgage loans worth 53 billion rubles

Russian IT specialists in 2022 took 5.8 thousand preferential mortgage loans totaling about 53 billion rubles. This was announced on January 19, 2023 by Deputy Prime Minister Dmitry Chernyshenko during a briefing on the results of the Digital Economy national program for 2022.

According to the Deputy Prime Minister of the Russian Federation, in 2022, 16.4 thousand mortgage applications for IT specialists were approved. Such loans are issued at 5%. The maximum amount of a subsidized IT loan for regions with a population of more than 1 million people is 18 million rubles, and for other entities - 9 million rubles. The program is valid until December 31, 2024.

At the end of December 2022, the head of the Ministry of Finance Maksut Shadayev noted that the department may not be able to agree in the government to reduce the rate on preferential mortgages for IT specialists from 5% to 3%. At the same time, under the mortgage program for IT specialists, age and salary requirements will be reduced, he added.

On January 18, 2023, Anton Gorelkin, Deputy Chairman of the State Duma Committee on Information Policy, said that Russian IT specialists dismissed from foreign companies should count on employment in Russia, and the preferential mortgage program should be extended to returned IT workers.

The Ministry of Digital Development has already announced that it is working on a reverse relocation program, one of the main trump cards of which should be a reservation from military conscription. This, of course, is not enough - I would propose to extend the preferential mortgage program to returned IT specialists, the parliamentarian said.

According to the deputy, Russian IT specialists who left the country have a very difficult time. So, some of them left Russia not of their own free will - they were moved by employers, Gorelkin wrote in his Telegram channel.^[24]

Moscow region entered the top 3 regions in terms of the number of applications for preferential mortgages for IT specialists

In 2022, more than 1.8 thousand employees of high-tech companies Moscow area applied for IT-. mortgages 70% of applications have already been approved. This was announced on December 28, 2022 by the press service. Ministry of State Administration of the region

"Banks have approved 1.3 thousand applications from IT specialists near Moscow for a preferential mortgage. In terms of the number of applications received, the Moscow region is in second place in the country. As of the end of December 2022, 428 loan agreements worth more than 3.8 billion rubles were concluded, "said Irina Kaklyugina, Vice Governor of the Moscow Region.

Employees of IT companies can buy an apartment in a new building or build a private house on a mortgage at a preferential rate of 5%.

Specialists working in companies accredited Ministry of Digital Development Russia engaged in the field of information technology have the right to take a preferential mortgage. Employees must be between 22 and 44 years old. Salary - from 100 thousand or 150 thousand rubles (before deduction of personal income tax), depending on the region.

A mortgage application for IT can be submitted by the end of 2024.

Employees of IT companies took preferential mortgages of almost 48 billion rubles

Specialists accredited IT companies from issued preferential loans in the amount of 47.7 billion. rubles- ITmortgage more than 5 thousand people have already used. This was reported on December 21, 2022 in. Ministry of Digital Development of Russia

Most often, applications for the purchase of housing on a preferential mortgage are submitted by specialists aged 25 to 35 years - they account for almost 60% of applications. Among the specialists who issue an IT mortgage: 76% are men; 24% are women.

The preferential mortgage program is in great demand: it has already been used by 5310 employees of IT companies. At the same time Moscow , both,, Moscow area, and are most active St. Petersburg Tatarstan. Krasnodar Territory We Sverdlovsk Novosibirsk region are confident that the new rules for obtaining mortgages, government the project of which is included in, will make the program even more accessible, "said Deputy Head of the Ministry of Digital Development, whose Russia Maxim Parshin words are quoted by the press service of the department.

By December 2022, preferential mortgages can be issued by employees of accredited IT companies under the age of 44 with a salary of 100 thousand or 150 thousand rubles (before personal income tax), depending on the city. The maximum loan rate is 5%, thanks to regional programs it can be even lower. In Sberbank, the program rate starts at 4.7%.

By December 2022, a draft of new rules Ministry of Digital Development developed to simplify the conditions for obtaining benefits. The requirements for the employee's income level will be reduced and the maximum age will be increased, the conditions for employment will be simplified. Mortgage will be available to employees of more than 27 thousand companies.

According to statistics from the Дом.РФ website on mortgages for IT specialists, from August 25 to September 1, the operator registered 552 applications, of which 422 applications were approved. Under these applications, contracts were concluded for 191 loans and financing was issued for 167 loans. For comparison, from May 26 to June 2, the operator recorded 1361 applications, of which 992 applications from borrowers were approved.

In Moscow, 1.3 thousand preferential loans were issued for six months in the amount of almost 16 billion rubles

For six months of the program of preferential mortgages for IT specialists in Moscow, 1.3 thousand loans were issued in the amount of almost 16 billion rubles. The capital leads among the regions of Russia in the number and volume of loans issued under this program. This was announced on December 8, 2022 by the Minister of the Government of Moscow, the head of the Department of Economic Policy and Development of the city, which is part of the Complex of Economic Policy and Property and Land Relations of the capital, Maria Bagreeva.

{{quote "The sphere of information technologies is one of the most dynamically developing in Russia, while in the capital region, according to the Ministry of Digital Development of the Russian Federation, about 30 percent of the total number of Russian IT companies operate. IT mortgages are in demand among Muscovites: Moscow as of December 2022 accounts for almost a third of the number of preferential IT mortgages issued in the country and 40 percent of their total. In total, from May to October 2022, Moscow IT specialists submitted over six thousand applications for such loans. More than four thousand of them were approved, almost 1.3 thousand people have already concluded agreements with banks, - said Maria Bagreeva. }}

At the end of October 2022, Ministry of Digital Development submitted to the Russian Government a draft resolution with more comfortable program conditions. It is proposed to expand the boundaries of the borrower's age from 22-44 to 18-50 years. In addition, after receiving a mortgage, the employee will need to work in accredited IT companies for five years, and not the entire loan period. If he leaves the company, then the preferential rate will remain for another six months. The minimum monthly income of the recipient for Moscow remained the same - at least 150 thousand rubles.

Mishustin halved the minimum number of mortgage loans for IT specialists

On December 1, 2022, an order signed by Prime Minister Mikhail Mishustin was published to halve the minimum number of IT mortgage beneficiaries. In accordance with the document, now 5 thousand employees of accredited IT companies will be able to apply for such a loan. Previously, there were 10 thousand.

Order No. 3697-r amends an earlier document - Order No. 714-r of April 1, 2022. This document concerned measures to ensure the presidential decree on the development of the field of information technology regarding the distribution of funds from the government reserve fund.

In September 2022, the Government of the Russian Federation reduced allocations for subsidizing preferential mortgages for IT employees by three times - from 1.5 billion rubles to 500 million rubles. The subsidy is sent to Дом.РФ JSC to reimburse banks for lost income on mortgage loans issued to employees of accredited IT companies.

A loan at a preferential rate of no more than 5% per annum can be received by a citizen of the Russian Federation subject to the following conditions (relevant as of December 2, 2022):

• employment in an organization engaged in the field of information technology;
• the age of the borrower is from 22 to 44 years;
• the size of the average monthly earnings of a citizen ranges from 150 thousand rubles for employees of organizations located in cities with a population of 1 million people or more, or from 100 thousand rubles for employees of organizations located in other settlements;
• the experience of a citizen in an IT company should be at least 3 months.

Difficulties in the mortgage market and general instability in the economy affected the forecast of the authorities in terms of the volume of issuance of preferential loans to citizens at 7% per annum for the purchase of housing in new buildings. As follows from the draft government decree published in November 2022 by the Ministry of Finance, the expected indicator of the number of citizens who took such loans in 2020-2022 was proposed to be reduced from 960 thousand to 933 thousand people.

Order of the Government of the Russian Federation No. 3697-r dated 30.11.2022

The Ministry of Digital Development will simplify the issuance of preferential IT mortgages

On October 28, 2022, the Ministry of Digital Development of the Russian Federation announced the development of new rules for issuing preferential mortgages to IT specialists.

According to the agency's initiative, employees of all accredited IT companies will be able to use the preferential mortgage. Previously, the company was supposed to receive tax breaks. The requirements for the employee's income level have also been reduced and the maximum age has been increased.

In addition, the conditions for employment have been simplified, they are as follows:

• The company should be included in the register of IT companies. Salary level before personal income tax: at least 120 thousand rubles for million-plus cities except Moscow (for Moscow, the previous level remains 150 thousand rubles) and at least 70 thousand rubles for other settlements (the previous level is 100 thousand rubles);
• The age of the employee is from 18 to 50 years inclusive (previously it was from 22 to 44);
• After providing a mortgage, you must work in accredited IT companies only for 5 years (the previous rules assumed such employment for the entire loan period);
• If an employee leaves an accredited IT company, the preferential rate will remain for 6 months.

By the to data Ministry of Digital Development end of October 2022, more than 4.2 thousand employees of Russian IT companies purchased real estate on a preferential mortgage in the amount of about 40 billion rubles. By the end of 2022, more than 10 thousand employees IT of companies will be able to use the program, the ministry expects.

Since May 2022, when a program to support the information technology industry was launched in the country, its participants received 1129 such loans in Moscow. Their total amount is 14.3 billion rubles, said Vladimir Efimov, deputy mayor of the capital, on economic policy and property and land relations on October 27, 2022.^[25]

Moscow leads in issuing preferential IT mortgages

For three months, 688 loans worth 8.55 billion rubles were issued in Moscow under the preferential mortgage program for IT specialists. The capital leads among the regions of Russia in terms of the number and volume of this type of lending, said on August 23, 2022, Deputy Mayor of Moscow for Economic Policy and Property and Land Relations Vladimir Efimov.

The capital accounts for about 30 percent of the number of preferential IT mortgages issued in Russia and 42% of their total. In total, from May to July, Moscow IT specialists submitted almost 4.3 thousand applications for such loans. More than 2.8 thousand of them were approved, 720 people have already concluded relevant agreements with [banks], "said Vladimir Efimov.

According to the Ministry of Digital Development of the Russian Federation, 29% of the total number of Russian IT companies operate in Moscow, which reflects the leading role of the city in the development of the country's IT sector. At the beginning of August, 7.8 thousand of more than 26.8 thousand organizations that received accreditation from the Ministry of Digital Development to work in the field of information technology were registered in the capital.

The Ministry of Ministry of Digital Development reduces the mortgage rate for IT specialists from 5% to 3%

On August 11, 2022, it became known about the decision of the Ministry of Digital Development of the Russian Federation to reduce the rate on preferential mortgages for IT specialists by 2 percentage points, as well as to reduce the salary threshold for obtaining such a loan.

Changes are being made in terms of the size of the preferential rate on the mortgage loan. The new version of the rules provides that the maximum rate on loan agreements concluded after the entry into force of the draft resolution will be 3% per annum [instead of the previous 5% - approx. TAdviser], - says the draft government decree, which was developed Ministry of Digital Development and published on the portal of draft regulatory legal acts.

The minimum salary required to obtain a loan will be reduced from 150,000 to 120,000 rubles for million-plus cities, with the exception of Moscow, from 100,000 to 70,000 rubles in other cities and municipalities. For Moscow, the threshold will remain the same - 150,000 rubles. The threshold will be calculated based on salary at the main place of work and part-time work, if the second place is also an accredited IT company.

As Deputy Head of the Ministry of Digital Development Maxim Parshin noted, the program of preferential mortgages for employees of IT companies turned out to be in great demand: by August 11, 2022, banks approved 9,250 applications, 2,263 specialists have already received mortgage loans for a total of 20.5 billion rubles.

At the same time, based on the wishes of the IT industry, we proposed changes in the terms of the program, which will make preferential mortgages even more affordable and convenient, he said.

Employees aged 22 to 45 who work in accredited IT companies can get a preferential mortgage loan. The register includes almost 30,000 organizations, including Yandex, VK, Kaspersky Lab, Positive Technologies, etc. In early August 2022, Ministry of Digital Development excluded from the register more than 400 companies for which IT activities are not the main one.^[26]

Employees of IT companies have submitted more than 12 thousand applications for preferential mortgages

On July 18, 2022, the Russian Ministry of Digital Development summed up the results of the program of concessional lending for IT specialists in the first two months.

We see a very high demand for the preferential mortgage program for IT specialists: more than 12 thousand applications were received in two months. As of July 222, 8 thousand applications were approved, and 1.6 thousand were approved. IT specialists have already been able to purchase real estate on preferential terms for a total of 14.4 billion rubles. We expect that by the end of the year the number of mortgage loans will exceed the previously planned 10 thousand, - said Deputy Head of the Ministry of Digital Development Maxim Parshin.

Approved applications are already in 60 regions of Russia. In some of them, interest rates on IT mortgages, thanks to local preferential programs, can be reduced by up to 1%. The average cost of real estate purchased by program participants is 10.6 million rubles, and the average area of ​ ​ apartments is 65 square meters. meters.

To use a preferential IT mortgage, you need:

• have Russian citizenship;
• work in an accredited IT company that receives benefits for insurance premiums;
• comply with age limits from 22 to 44 years (inclusive);
• have an average income (before personal income tax) for three months in the amount of 150 thousand rubles, if the company is registered in a million-plus city, and 100 thousand rubles. - in other inhabited points.

Program Conditions:

• rate - not more than 5%;
• down payment - from 15%;
• loan size - up to 18 million rubles. in million-plus regions and up to 9 million rubles. in other regions.

Mishustin increased the maximum IT mortgage from 18 million to 30 million rubles

Prime Minister Mikhail Mishustin signed a decree approving an increase in the loan under the preferential mortgage program for IT specialists. The press service of the Cabinet of Ministers announced this on July 5, 202.

In accordance with the document, the maximum amount of a loan that IT specialists can take using a preferential rate has been increased from 18 million rubles to 30 million rubles in million-plus regions, and from 9 million to 15 million rubles in the rest.

In addition, according to a government decree, the amount of a preferential loan subsidized by the state remains at the level of 18 million rubles and 9 million rubles, respectively, but now it can be combined with an additional amount taken at a market or other subsidized rate. That is, if earlier, depending on the region, only 18 million rubles or 9 million rubles could be taken on credit, and the rest could be made with the help of a down payment, now the opportunities of buyers are expanding, the Cabinet of Ministers explained.

Another point of the resolution concerns the salary requirements of IT specialists who can count on receiving a preferential mortgage loan: the salary should be from 150 thousand rubles a month before deducting income tax (personal income tax) in cities with a population of one million (previously it was about regions with a population of one million) and at least 100 thousand rubles - in other settlements.

Specialists aged 22 to 45 who work in accredited IT companies can receive a preferential loan for the purchase of an apartment. The preferential rate for them is up to 5% per annum.

State Duma deputy, member of the committee on information policy, information technology and communications Anton Tkachev ("New People") on July 5, 2022 in her Telegram channel criticized the mortgage for IT specialists. According to her, the conditions for obtaining a loan do not correspond to the real salaries of specialists in the regions.^[27]

ICD reduced mortgage rate for IT specialists

Moscow Credit Bank (MKB) has updated the terms of the preferential mortgage program for Russian IT specialists. Now the base rate starts at 4.65% per annum. The bank announced this on June 6, 2022. Read more here.

Banks in Russia distributed 240 billion rubles on IT mortgages

In early May 2022, the Ministry of Digital Development of the Russian Federation published a list of banks participating in the preferential mortgage program for employees of IT companies. There are 52 credit institutions in the list. Among them are 49 banks and three regional operators - from Udmurtia, Kemerovo, Yekaterinburg. It is planned that the total amount of loans issued will be about 240 billion rubles

The operator of the Дом.РФ program distributed mortgage limits among banks in accordance with the requirements specified in the applications. The main volume went to three banks:

• Sberbank (received 27%)
• VTB (19%)
• "Дом.РФ" (14%).

The new preferential mortgage program for employees of the IT company will allow in the current difficult economic situation to support the information technology sector and create comfortable conditions for improving the living conditions of industry workers. We expect that up to 10 thousand employees of IT companies will receive preferential loans by the end of the year, "said Vitaly Mutko, CEO of Дом.РФ.

As Kommersant writes in the issue of June 2, 2022, banks have already begun to issue the first loans under the state program. Sberbank reported that they received more than 3 thousand applications in the amount of more than 32 billion rubles, that is, in the amount of 47.7% of the allocated limit. The bank believes that "the amount of allocated funds from the government may increase in the future," and does not exclude the application for additional volume "in the long term." About 3.5 thousand applications were submitted to Дом.РФ Bank, 85 transactions worth 830 million rubles took place.

VTB told the publication that it is "still premature" to assess the demand for the program, as well as the increase in funding. But they clarify that the bank's share in the total amount of financing "is comparable to the indicators for other state programs."^[28]

Sberbank reduced the mortgage rate for IT specialists to 4.7% when electronically registering a transaction

Sber set the program rate "Mortgage for IT" at the level of 4.7% per annum when electronically registering a transaction. Representatives of Sberbank reported this TAdviser on May 17, 2022. The rate when making a transaction in branches bank is 5%. More. here

The terms of preferential mortgages for IT specialists have become known. Mishustin signed a decree

At the end of April 2022, Prime Minister Mikhail Mishustin signed a decree approving the parameters of preferential mortgages for IT specialists. According to the Cabinet, the main task is to support the information technology sector in the current economic situation and create comfortable conditions for industry workers.

We are launching a preferential mortgage program for IT specialists. Employees of accredited companies in the field of information technology will be able to apply for a loan for the purchase of an apartment at a favorable rate of up to 5% per annum, Mishustin said.

He instructed Deputy Prime Minister Dmitry Chernyshenko to closely monitor the implementation of the preferential mortgage program.

We are fulfilling everything that we promised the IT industry, - said the head of government.

According to him, about 50 thousand mortgage loans are planned to be issued to specialists in the IT industry under a preferential state program by the end of 2024.

By the beginning of May 2022, the city of banks had already announced the collection of preliminary applications for the issuance of a preferential loan for IT specialists, but loans have not yet been issued. According to Sberbank, employees aged 22 to 44, inclusive, can take out a mortgage at a preferential rate, whose employment contract is concluded with an organization that operates in the field of information technology, is accredited by the Ministry of Digital Development and enjoys tax benefits for at least one quarter.

The Russian government will allocate 240 billion rubles for loans under the preferential mortgage program for IT specialists with a salary of 100 thousand rubles. This became known on April 27, 2022.

As part of a preferential mortgage, the loan rate will be no more than 5% per annum. The maximum loan amount is up to 18 million rubles in million-plus cities and up to 9 million rubles in cities with a population of less than a million people. The minimum down payment is 15% of the value of the property purchased.

A preferential mortgage can be issued for the purchase of an apartment in a new building under an equity agreement, as well as under a sale and purchase agreement with a legal entity or an individual entrepreneur who are the first owners of real estate. The program does not apply to apartments purchased on the secondary market from individuals.

In addition to apartments, borrowers will be able to take out a preferential mortgage on private houses - both already built by developers and when concluding a construction contract.

Citizens of Russia aged 22 to 44 who work in an accredited IT company and receive from 100 thousand rubles in a city with a population of up to 1 million people or more than 150 thousand rubles in a million-plus city will be able to apply for a mortgage. At the same time, the organization must pay taxes at a preferential rate for IT companies (0% for 2022-2024) and reduced insurance premiums during at least one tax period.

If an IT specialist who has issued a mortgage stops working in the same place, the rate on a preferential loan may exceed the threshold 5%. This will happen three months after the borrower leaves the IT company for any reason under labor law, if the client does not provide a bank information new place of work that will meet the criteria of the program.

Against the background of the outflow of IT specialists from Russia, which began after the announcement of a special operation in Ukraine, the authorities began to introduce measures to support industry employees. The HeadHunter service has recorded an increase in the number of employees in this industry who would like to leave Russia. If at the end of February the share of resumes of those who are ready or would like to move was 36.5%, then by the end of March the share of such resumes exceeded 40% (1.5 pp more than in March 2021).

Government Decree of April 30, 2022 No. 805

1.5 billion rubles allocated for subsidizing mortgages for IT specialists

In early April 2022, Prime Minister RFMikhail Mishustin signed an order, which allocated 1.5 billion rubles to subsidize mortgages for IT specialists. These funds were directed to "Дом.РФ" from the reserve fund to reimburse banks for lost income.

Preferential mortgages will be issued at 3%. Initially, it was assumed that employees of IT companies could apply for it for 22-40 years, their income should not be less than 200 thousand rubles a month in cities with a population of over one million and 150 thousand rubles in other settlements. Later, the Ministry of Ministry of Digital Development proposed to reduce the income threshold by 50 thousand rubles and expand the age range to 22-45 years. It is assumed that the maximum loan size for million-plus cities will be 18 million rubles, and for other regions - 9 million rubles.

At the end of March 2022, it was reported that specialists from IT companies with OKVED 62.01, 62.02, 62.02.1, 62.02.4, 62.03.13, 62.09, 63.11.1 could become participants in the subsidized mortgage program, subject to the following conditions: their IT activities should bring at least 90% of the total number of income, and the number of employees is at least 7 people.

We believe that mortgages for IT specialists will be in demand and will allow a large number of people to resolve the housing issue, said Evgeny Shitikov, director of retail business at Дом.РФ Bank.

He also recalled that by the beginning of April 2022, the bank also accepts applications for loans for the purchase of apartments in new buildings under the "Preferential Mortgage with State Support" under the new conditions. Russia Vladimir Putin RUSSIAN FEDERATION The President on March 23 approved the government's proposal to change the parameters of the program. The maximum loan amount has been increased to 12 million rubles for the Moscow region, St. Petersburg and the Leningrad region and to 6 million rubles for other regions of Russia. The maximum lending rate is 12% per annum.^[29]

Which ITs will be able to get a preferential mortgage? The Ministry of Digital Development revealed the details

The head of the Ministry of Ministry of Digital Development Maksut Shadayev on March 26, during an open discussion of the third package of measures to support the IT industry, named the category of IT specialists, which is planned to be granted the right to a preferential mortgage.

It will be able to receive IT specialists aged 22 to 40 years with an income of 200 thousand rubles a month in cities with a population of one million and from 150 thousand rubles for the rest. The basic preferential mortgage rate will be 5%. And if the regions are ready to close 3% at their own expense, then for the IT specialist the rate will be 2%.

According to the ministry's estimates, in 2022-2024. the preferential mortgage program will be able to cover about 50 thousand employees of IT companies.

It is important for us to create incentives to stay inside the country for our developers, young, in demand on the international market, - said Maksut Shadayev.

Maksut Shadayev spoke about the conditions for obtaining a preferential mortgage by IT specialists

He also called the provision of IT specialists a delay from the army a very important and debatable measure. The corresponding draft resolution is already in the government, Shadayev said. Deferrals are granted to all accredited IT companies in respect of employees with a specialized education or education that is closely related to IT specialties.

Moreover, the Ministry of Digital Development proposed to extend this benefit not only to such specialists in IT companies, but also to IT workers working in companies for which IT is not the main one in terms of revenue. For example, banks, media and other organizations, including budget ones.

First Deputy General Director of VKVladimir Gabrielyan believes that the implementation of support measures aimed at employees of IT companies should be a priority. And the most urgent thing is to implement measures to defer from the army, support IT companies in order to compensate for personal income tax for IT specialists and a preferential mortgage program.

We need these measures tomorrow, because now we have every day on the bill. It must be understood that many specialists are now in a fork and decide whether to stay in Russia or consider other options. Therefore, the future of our IT landscape and the future of Russia from the digital side depend very much on the speed of our actions, "Gabrielyan said during the discussion.

Shadayev stressed that the third package of support measures in terms of tax benefits is aimed at a wider range of companies than before. These are not only software developers, but also software integrators who are engaged in the implementation of domestic solutions, Internet companies that are commercialized through the sale of advertising and services. In addition, the minister says, there is an agreement with the Ministry of Finance so that developers of software and hardware complexes of various classes can also become recipients of support measures, and there is an agreement with the Ministry of Finance to exclude the restriction on the minimum number of employees that an IT company must have in order to take advantage of benefits.

Notes