Mortgage lending for IT professionals It is one of the most popular preferential programs in the field of housing lending. In 2024, changes were made to the conditions for obtaining a mortgage at a reduced rate for IT specialists, which should be taken into account when planning the housing purchase.
Which categories of citizens can benefit from the preferential IT mortgage program this year? In accordance with the new rules, a loan at a reduced rate of up to 5% per annum can be issued by Russian citizens employed in companies accredited by the Ministry of Finance of the Russian Federation and by IT workers. The age of the borrower must be between 18 and 50 years old, and the work experience at the current workplace must be at least 3 months.
A distinctive feature of the conditions is the possibility of obtaining a mortgage not only by developers, but also by other specialists, including accountants, lawyers and other employees of IT companies. The main condition is to work in an accredited IT company.
Changes have been made to the minimum-wage requirements for IT specialists. In million city, this wage has been reduced from 150 thousand to 120 thousand rubles per month before taxes. in other settlements — from 100 thousand to 70 thousand rubles. At the same time, in Moscow, the minimum wage requirements remained the same — 150 thousand rubles. In addition, the initial payment was increased from 15% to 20%.
An important change was the retention of the preferential rate for six months after the borrower's layoff. However, if worker is not in another accredited IT company, 2.5% will be added to the Central Bank rate. If the mortgage was taken out for the construction of a house, the rate will increase by 4.5 points. It should also be noted that the uplift factor will be applied to the current Central Bank rate at the time of loan issuance.
An important aspect of the new rules is the possibility of using maternity capital as a down payment. At the same time, it will be necessary to allocate a share of ownership to children in the purchased housing. Mortgages for IT specialists cannot be combined with other preferential programs.
Thus, the preferential IT mortgage program provides excellent opportunities for IT specialists working in accredited companies to purchase housing. At the same time, it is important to take into account all the conditions and requirements of the program in order to successfully take advantage of the benefits provided and ensure suitable conditions for the purchase of housing.
Do you need help getting an IT mortgage in St. Petersburg? Call the Nevsky Prostor certified real estate agency, and we will help you get a mortgage loan from a partner bank on favorable terms.
Contact us:
• Tel: +7 (812) 325-38-38 (from 9-00 to 21-00 on weekdays; from 10-00 to 18-00 on weekends and public days)
• Address: Russia, 199406, Saint Petersburg, Nalichnaya Street, 22
• You can also ask our specialists online
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