Ipoteca preferențială pentru specialiști IT în 2022

In May 2022, the government announced new support measures for IT professionals and launched a preferential mortgage program. Professionals in the field of information technology will be able to take advantage of it, the mortgage rate will be 5%.

Healthy Food Near Me, together with an expert, tells what a preferential mortgage is for IT specialists in 2022 and how to get it.

Government Decree on Mortgages for IT Professionals

From the Decree of the Government of the Federation No. 805 of April 30, 2022¹ we can conclude that the task of preferential IT mortgages is to provide employees in this area with comfortable living conditions. IT-specialists began to massively consider the possibility of emigration due to sanctions, and preferential mortgages should help keep them in Our Country. According to the terms of the resolution, specialists whose employers are included in the register of accredited organizations in the field of IT² and are already using tax incentives, will be able to get a mortgage loan on favorable terms – up to 5%. 

În conformitate cu General Director of the financial marketplace “Vyberu.ru” Grigory Burdenko, within the framework of the program, by the end of 2024, it is planned to issue up to 50 loans for a total amount of 000 billion rubles. Decree of the Government of the Federation No. 240 dated April 805, 30 sets out the requirements for borrowers, lenders and real estate, the conditions for issuing a mortgage, as well as the rules for the interaction of banks with the operator of the program, DOM.RF.

Interesting Mortgage Facts for IT Professionals

Mortgage for IT specialists in 2022 offers many interesting offers to its participants. Let’s talk about the main ones.

Conditions for obtaining a mortgage for IT-specialists

In order to qualify for such a loan, certain conditions must be met. Banks have requirements for both borrowers and real estate.

Cerințe bancare pentru debitori

The age of the borrower is from 22 to 44 years inclusive. He must earn over the past three months before deducting personal income tax from 150 thousand rubles if he lives in a region where the population is more than 1 million people, and not less than 100 thousand rubles if he works in some other subject of the Federation.

It is important that the employee works in an organization accredited by the authorities, included in the relevant register². At the same time, the employing organization must have at least 7 employees, and it must also have OKVED 62.01, 62.02, 62.02.1, 62.02.4, 62.03.13, 62.09, 63.11.1.

You can use the preferential mortgage program for IT specialists only once. In addition, its participant should not use other similar support measures – preferential, family, Far Eastern or rural mortgages.

The subtle point in the resolution is the absence of a list of positions or profiles of employees eligible to use the program. Theoretically, today all employees of accredited IT companies, regardless of their position, are entitled to preferential loans. Meanwhile, the state provides for a moment aimed at cutting off non-core employees – this is a requirement for a minimum income level.

Cerințe bancare pentru bunuri imobiliare

According to the resolution, banks can issue preferential mortgages to IT specialists both for the purchase of ready-made and for housing under construction within the limit of 18 million rubles in cities with a population of over one million and 9 million rubles in cities with a population of up to 1 million people. The maximum loan term is 30 years. The minimum down payment is 15%.

Thus, with the help of a preferential mortgage for IT employees, you can buy an apartment on the primary market from the developer under a share agreement or under a sale and purchase agreement. The program applies to new townhouses and individual houses. They also need to be purchased from the developer. The program does not apply to second homes.

List of banks where you can get a mortgage for IT specialists

Not all banking organizations issue preferential mortgages for IT specialists. Here is a list of banks that cooperate with the program in 2022:

How to get a mortgage for IT professionals

Anyone who wants to purchase a new home and falls under the privileged category as an IT employee needs to collect a package of documents and complete the deal. We tell you how to do it. 

Editarea documentelor

Here is the standard set: 

• pașaport;
• SNILS;
• Help 2-NDFL;
• extract from the work book;
• copy of the employment contract; 
• certificate of the organization being in the register of IT companies accredited by the Ministry of Digital Development;
• marriage and birth certificates of children (if requested by the bank).

Ghid pas cu pas

1. In the accounting department of your organization, you need to take a copy of the employment contract, a copy of the work book, a certificate of income in the form of 2-NDFL.
2. In the same place, you need to request a certificate of the organization being in the register of IT companies and a copy of an extract from the register of the Ministry of Digital Development. Be sure to check that the TIN of the legal entity in the certificates and the extract from the register match.
3. With a passport and, if available, certificates of marriage and birth of children, you need to go to the bank that you have chosen to complete the transaction. It is usually more profitable to apply where you have a salary project.
4. In the case of building your own house using a mortgage loan, you need to separately find out the requirements of the bank for accreditation of the project and the construction contractor.
5. After checking the documents, the apartment or house that you want to purchase is selected.
6. Prepare for mortgage registration an initial payment of at least 15% of the contract amount – from your own funds, maternity capital or financial assistance from the region or employer.
7. Draw up a contract and read it carefully. 

Expert advice for IT-specialists when obtaining a mortgage

— Undoubtedly, preferential mortgage terms are very attractive for IT-specialists. But before applying, it is worth evaluating your own solvency and financial prospects. Ideally, no more than 40% of monthly family income should go to pay off a mortgage, warns Dmitry Veselkov, Director of Mortgage Programs and Bank Lending at Metrium.

The expert also advises taking a loan from the bank where you receive your salary. This will help avoid the preparation of an extra package of documents. 

Întrebări și răspunsuri populare

Dmitry Veselkov answered Healthy Food Near Me journalists on important questions regarding preferential mortgages for IT specialists.  

Surse de

1. Decree of the Government of the Federation No. 805 of April 30, 2022. URL: http://static.government.ru/media/files/AwaQwrG8Tfk2uRUrMrXQYQzYsPB5vNr2.pdf 
2. Register of accredited organizations operating in the field of information technology. URL: https://digital.gov.ru/opendata/7710474375-registergosaccred/table/