Sberbank Mortgage for IT

The main articles are:

• Mortgage in Russia
• Preferential mortgage for IT specialists in Russia

2024

Sberbank issued 31,700 IT mortgages worth 256 billion rubles for the entire duration of the program

As of mid-August 2024, Sberbank issued 31,700 loans under the preferential mortgage lending program for IT specialists. Their total amount amounted to about 256 billion rubles. Such data was published by the first deputy chairman of the board of Sberbank Kirill Tsarev.

According to him, from August 21, 2024, Sberbank resumed issuing loans under the Mortgage for IT program, which was launched in 2022. The Bank updates previously approved applications under the new terms of the program, which entered into force on August 1, 2024.

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It is said, in particular, that the minimum rate on the program for Domklik will be 6%, the initial payment is at least 20.1% of the cost of real estate, the maximum loan amount is 9 million rubles. If necessary, you can issue a mortgage loan for a larger amount - up to 18 million rubles. In this case, in terms of the loan above the limit established by the state program (9 million rubles), the market interest rate will operate.

A number of requirements are imposed on the borrower. He must work for a company that belongs to the field of information technology. The maximum age of the client at the time of signing the loan agreement is 50 years (inclusive). The IT company itself - the employer of the borrower must be in Russia (except for Moscow and St. Petersburg), have accreditation from the Ministry of Digital Development of the Russian Federation, receive tax benefits.

Under the Mortgage for IT program, you can buy ready-made or under construction housing in a new building, a plot with a residential building at a legal entity or an individual entrepreneur, a land plot for further construction of a residential building, as well as build a residential building under a contract agreement with a legal entity or individual entrepreneur. The program does not include rooms, apartments, apartments in the secondary fund and apartments under DUPT (agreement on the assignment of claims).^[1]

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. Read more here.

2023

Issuance of preferential mortgage loans for 7 months for 15 billion rubles

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.

"The growth in the popularity of IT mortgages among Muscovites is primarily due to favorable and understandable loan conditions, as well as a significant number of IT companies operating in the capital, whose employees can use state support. Under this program, you can buy an apartment or a residential building from the developer, a plot with a house, or build a house on your own, "said Vyacheslav Tsybulnikov, vice president of Sberbank - chairman of the Moscow Bank.

The loan rate in the Mortgage for IT program is from 4.1%. The minimum down payment is 15% of the cost of housing. The loan term is up to 30 years. The maximum amount is 18 million rubles.

The services "Electronic Registration" and "Safe Settlements" will help to issue ownership and buy housing without unnecessary visits to Rosreestr and the MPSC. The deal will be held online, it will take only one trip to the bank to sign documents.

Changing the Receiving Conditions

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).

The client's age limit has been raised from 45 to 50 years. To maintain a preferential rate, IT the borrower is now obliged not to work in the -company, but credit only the first five years. Moreover, upon dismissal, an employee can safely look for a new job in an accredited IT company for 6 months, and not 3, as before: during this period the rate will not increase. The number of accredited IT companies whose employees can use the program has doubled - from 10 thousand to 20 thousand. Finally, now "Mortgage for IT" in Sberbank will be able to get young specialists from 18 years old (earlier - from 22 years old).

Lending under the changed conditions will be available after the entry into force of the relevant decree of the government of the Russian Federation.

IT mortgages are one of the newest products with state support. But since May last year, when the program started, we issued 2.6 thousand such loans totaling 20.8 billion rubles. The updated conditions approved by the Government today expand the circle of customers who can use it. We expect an even greater demand for this product in 2023 and invite Russian IT specialists to take advantage of an attractive offer, said Kirill Tsarev, First Deputy Chairman of the Management Board of Sberbank.

The minimum down payment on an IT mortgage is still 15% of the cost of housing, the maximum loan amount is 18 million rubles for regions numbering from 1 million people, 9 million rubles for other regions.

2022

Issuance of 268 mortgage loans worth more than 2.7 billion rubles in Moscow

Since the launch of the Mortgage for IT program in May 2022, 268 mortgage loans totaling more than 2.7 billion rubles have been issued at the Moscow Bank of Sberbank. This was reported on July 27, 2022 by Sberbank. You can apply online on the Mortgage for IT page of the Domklik service from Sberbank.

Employees aged 22 to 44, inclusive, who have entered into an employment contract with an organization that operates in the region, information technology is accredited Ministry of Digital Development, Communications and Mass Media of the Russian Federation and uses at least one quarter, can take a mortgage at a preferential rate. tax relief

"The development of IT the industry is one of the priority tasks, and many of the Russian economy advanced companies successfully operating in this area are located in the capital. Sberbank is ready to actively support IT specialists in improving housing conditions, and our affordable mortgage program is in great demand, "said Vyacheslav Tsybulnikov Sberbank's vice president and chairman. Moscow bank

Issuance of almost 800 loans in the amount of 6.2 billion rubles

According to analysts, since the "Domklik" beginning of the Mortgage for IT credit program Sber , it has issued almost 800 loans worth 6.2 billion. rubles In addition, in July 2022 Government of the Russian Federation , it amended the Decree, which made the program available to even more customers. In particular, the list of organizations whose employees can issue has been expanded. mortgage for IT

Now the average salary of a borrower in at least three months should be more than 100 thousand rubles if the place of work is in a city with up to 1 million people. Previously, this rule extended to regions of up to 1 million inhabitants.

mortgage Employees with an income of more than 150 thousand rubles can also apply if their place of work is located in a million-plus city To Moscow St. Petersburg Novosibirsk Yekaterinburg Kazan Nizhny Novgorod Chelyabinsk:,,,,,,,,,,,,,,. To Samara Omsk Rostov-on-Don To Ufa Krasnoyarsk Voronezh Perm Volgograd

The rate for such a program starts from 4.7%, taking into account the discount for the electronic registration service from Domklik. The initial payment is from 15% of the cost of real estate, the maximum loan amount is 18 million rubles for a maximum period of up to 30 years.

Rate reduction to 4.7% per annum with electronic transaction registration

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

Sberbank reduced the mortgage rate for IT specialists to 4.7% when electronically registering a transaction
Photo source: pronovostroy.ru

On April 27, 2022, the bank opened a preliminary acceptance of applications for this program and at the time of the release of this material is awaiting a list of companies approved by the government that are suitable for it to make a final decision on applications. As TAdviser previously wrote, Ministry of Digital Development of the Russian Federation will revise the register of accredited IT companies that can apply for benefits such as income tax exemptions for three years, continuing loans and new projects at a rate of no more than 3%, preferential mortgages for IT professionals and exemption from conscription.

Employees aged 22 to 44, inclusive, who have entered into an employment contract with an organization that operates in the region, information technology is accredited by the Russian Ministry of Digital Development Federation and enjoys benefits for at least one quarter, can take a mortgage at a preferential rate tax.

The maximum amount of a preferential housing loan is 18 million rubles for the purchase of housing in the region from 1 million people and 9 million rubles in other regions of the Russian Federation.

Taking into account personal income tax, the employee's income for the last 3 months of work should be at least 150 thousand rubles, if the place of work is registered in the region with a number of 1 million or more, and at least 100 thousand rubles for employees of companies registered in the regions with a number of up to 1 million people.

The electronic transaction registration service allows you to send documents for state registration of ownership without visiting the MPSC and Rosreestr. The parties to the transaction receive the finished documents in Domklik's personal account and by e-mail.

See also

• Benefits and support measures for IT companies in Russia

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