The conditions have been named
The Ministry of Digital Development and the Ministry of Finance of the Russian Federation are discussing the extension of the preferential mortgage program for IT specialists, the head of the Ministry of Digital Development Maksut Shadayev told journalists. According to him, the main goal of the program is to retain IT specialists in the regions.
Recall that the maximum rate on IT mortgages is 5% per annum. The maximum amount of a state-subsidized loan for the purchase of housing in regions with a population of over a million is 18 million rubles, in other regions — 9 million rubles.
Only employees of accredited IT companies aged 18 to 50 years inclusive can receive preferential loans. In addition, there are salary restrictions for specialists aged 36 and over — they must receive an official monthly income of 70-150 thousand rubles, depending on the region. There are no income requirements for their colleagues under 35 years of age. To retain the preferential rate, you need to work for an IT company for five years after applying for a housing loan. If you quit earlier, the rate will only be retained for six months.
Since the launch of the state program in 2022, over 66 thousand mortgage loans have been issued for more than 591 billion rubles, the office of Deputy Prime Minister Dmitry Grigorenko reported in June.
The IT mortgage in its current form is valid until the end of 2024. However, the limits on it were exhausted at the beginning of last spring in most banks. In April 2024, the Russian government increased the total limit of funds for issuing preferential mortgage loans for IT specialists by 200 billion rubles, to 700 billion rubles.