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Preferential mortgage for IT specialists in 2024: conditions and nuances – Rossiyskaya Gazeta

Date: July 18, 2024 Time: 04:37:43

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What is a TI mortgageWho can take out a TI mortgage: requirements for borrowersConditions in 2024 to obtain a TI mortgageWhat type of property can be purchased with a TI mortgageWhich banks can take out a TI mortgageAction algorithm to obtain a TI mortgageImportant questions about Computer Mortgages: we deal with the nuances

Computer mortgage: what it is

A preferential mortgage program for IT specialists was launched in May 2022. Its goal is to support the technology sector and create comfortable conditions for IT specialists. Subsequently, the government, at the suggestion of the Ministry of Digital Development, changed its conditions.

Various measures to support IT specialists, including IT mortgages, have been implemented in Russia for several years. Specialists actively use them: for example, according to the Ministry of Digital Development, since May last year, more than 50 thousand loans have been granted in the country within the framework of this program. In April, the Government approved an increase in the credit limit to 700 billion rubles, which will allow additional support for about 15 thousand specialists.

Who can take out a computer mortgage: requirements for borrowers

The IT mortgage is issued at 5% per year. At the same time, regions will be able to reduce this rate on their own initiative. To obtain a preferential loan, borrowers must meet a series of requirements.

Experience

For a borrower to get an IT mortgage, he or she must work at an accredited IT company for at least three months.

Important! The borrower does not have to hold an information technology-related position; The program also applies to accountants, lawyers, sales managers, human resources managers and other employees.

Additionally, banks cannot impose educational requirements on the borrower.

Age

Russians between 18 and 50 years old can count on the corresponding benefit.

Workplace

Not all IT specialists can take out a preferential mortgage. An important condition here is that the organization in which the specialist works must be included in the list of accredited IT companies. To check it, simply access the State Services portal and enter the NIF or the name of the company in a special section.

Clarifies that changes to the register of accredited organizations starting in 2021 are made automatically based on information about the company submitted to the Unified State Register of Legal Entities and State Services. When reorganizing a company, the management must enter new information about it in the register and the old information must be canceled.

IT mortgages for IT specialists are issued by banks for a term of up to 30 years. However, after registration, the specialist must work in an accredited company for five years.

At the same time, citizens can apply for the corresponding loan only once.

Income levels in different cities.

The income level of borrowers under 35 years of age does not matter for obtaining an IT mortgage; These rules were introduced in the fall of 2023.

As for borrowers over 36 years of age, different conditions apply.

Yulia Gureeva, Alexander Chistov

Please note that these income figures are precisely the condition for applying for a loan under a preferential program for IT specialists.

In any case, the bank will evaluate the borrower’s solvency.

It is also important to pay attention to the company’s registration address; may not match the actual office address.

Conditions in 2024 to obtain an IT mortgage

Until what year is an IT mortgage valid?

The IT mortgage is valid until the end of 2024.

Maximum IT mortgage amount

The maximum amount of a preferential mortgage for IT specialists depends on the place of purchase of the apartment:

In a region with a population of less than a million people, it is equivalent to 9 million rubles; in a region with a population of more than one million, 18 million rubles.

At the same time, borrowers have the opportunity to increase this amount to 15-30 million rubles. However, in this case the consent of the promoter himself will be necessary. It can also be increased by borrowing money “above the threshold” at a market interest rate.

You can also determine the exact amount that is available for a particular region on the government services portal.

Down Payment for an IT Mortgage

The minimum down payment for an IT mortgage starts at 20%.

Borrowers have the opportunity to use maternity capital as such, but then they will have to assign a part of the ownership of the property to the children.

What can you get for an IT mortgage?

You can take out a computer mortgage for different types of properties.

Yulia Gureeva, Alexander Chistov

At the same time, it is not possible to conclude agreements with investment fund management companies or with individuals who are not registered as individual entrepreneurs.

IT mortgages are also not available for secondary use.

From which banks can you get an IT mortgage?

You can’t get an IT mortgage from all banks. But there are quite a few of them: in April 2024, about 50 credit institutions provided loans under this program.

You can also find out which banks can issue a loan on the government services portal https://www.gosuslugi.ru/ipoteka.

Various banks offer special conditions: in particular, we are talking about various discounts when taking out insurance.

Algorithm of actions for obtaining an IT mortgage

1. Step one: collect the documents. To apply for an IT mortgage, you must first collect a package of documents.

Photo: Yulia Gureeva, Alexander Chistov

However, the bank may also request other documents; Your list should be clarified with representatives of a particular organization.

2. Step two: submit the documents. This can be done in the office itself or remotely; Most banks have this service.

3. We are waiting for the result. Document processing time is usually five business days.

Important questions about IT mortgages

How will the interest rate change if the borrower changes jobs?

In the event that the borrower changes his place of work, the preferential rate of up to 5% remains valid only for six months, after which it increases to the key rate that was in effect at the time of his dismissal, and 1 .5 percentage points are added. If an IT specialist applies for a loan to build his house, the rate will increase by 3.5 percentage points. These rules apply to those who have received subsidies since December 23, 2023.

However, if the new workplace within six months of dismissal becomes an IT company that is also included in the list of accredited companies, the fee will remain the same.

At the same time, the borrower must confirm his current place of work every six months; This is provided for in the loan contract.

What happens if, after applying for a loan, the company’s accreditation is revoked?

If the IT company for which the IT specialist worked is excluded from the list of accredited organizations after the loan is issued, the preferential rate will remain the same.

Is it possible to refinance loans through an IT mortgage?

It is not possible to refinance an old loan through a program for IT specialists. At the same time, a citizen can reconsider a loan provided under it on the conditions of other preferential and market programs. Maybe they are more profitable.

Is it possible to take out a computerized mortgage if you already own another home?

Russian IT specialists can apply for an IT mortgage, even if they already have housing. In addition, the benefit is available even to those who pay a mortgage under another program: for example, a mortgage with government support.

The main condition here is that the borrower’s income must be sufficient for the monthly payments on all loans.

Will IT mortgages be expanded?

The authorities will most likely not extend the IT mortgage, but assistance to IT specialists is expected to continue: the state is now preparing a specific mortgage program, which will presumably include IT specialists.

* This website provides news content gathered from various internet sources. It is crucial to understand that we are not responsible for the accuracy, completeness, or reliability of the information presented Read More

Hansen Taylor
Hansen Taylor
Hansen Taylor is a full-time editor for ePrimefeed covering sports and movie news.
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