According to Freedom Finance Global,

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Nevertheless, opinions on IT mortgages are polar. "On the one hand, the low interest rate is interesting for the borrower," explains Svetlana Nemova, managing partner of LOIT. "On the other hand, the initial payment was significantly increased at the end of last year, which gives banks confidence in the borrower's solvency, but limits the circle of people who can pay this initial payment."

She also noted that some s cambodia whatsapp number database pecialists are put off by the fact that there is a clause in loan agreements with banks that requires confirming the status of work in an IT company every six months - if this is not done, the bank has the right to change the rate to the standard one. "You need to be 200% confident in the future to sign such conditions, and this is not at all easy in our turbulent times," Svetlana Nemova believes.

even with the increase in the state support limit, preferential IT mortgages will be available to no more than 11% of the total number of people employed in the IT sector. This is due to the terms of the program, in particular, the size of the salary, which exceeds the average in the regions.

At the same time, Natalia Milchakova, leading analyst at Freedom Finance Global, notes that the terms of IT mortgages are favorable compared to other offers. "The state's increase in the limit for this program to 700 billion rubles significantly exceeds budget expenditures on subsidizing interest rates on other mortgage programs, as well as expenditures on many types of social benefits in Russia," added Natalia Milchakova.


"The interest rate on mortgages for IT specialists is up to 5% per annum versus 8% under the state preferential mortgage program, 6% under the family mortgage program, and about 17% under market mortgage programs. Considering also the higher maximum size of the state-subsidized loan, the terms of the IT mortgage look advantageous in comparison with other options for purchasing housing with a mortgage," said Igor Dodonov, an analyst at FG Finam.

Victoria Pluzhnikova, head of the employer brand promotion department at the IT company Auriga, believes that preferential mortgages are only suitable for those specialists who, before the start of the program, planned to take out a mortgage and were focused on purchasing housing on the primary market.

"Many engineers say that if the program were to apply not only to the primary real estate market, but also to the secondary market, it would significantly increase the number of people who would use the program. In addition, the limitation in the form of a fixed minimum down payment also reduces opportunities, since it often needs to be available initially or saved up, and this takes time," said Victoria Pluzhnikova.

The goal of the program is to retain IT specialists in the country. Oleg Shurupin, head of the product services department at Innostage, claims that the program copes with this task. "Moreover, it happens that they strive to return to Russia, get a job at an accredited company in order to get the opportunity to take advantage of a preferential mortgage. I myself have encountered such a specialist," said Oleg Shurupin.

Pavel Kalyakin, CEO of New Cloud Technologies LLC (MyOffice), believes that after the simplification of the terms, IT mortgages became more popular - since then they have become attractive not only for experienced specialists with children, but also for young professionals starting out.

"In the context of the growth of the base rate on mortgage loans, the opportunity to obtain a "digital mortgage" with a maximum rate of up to 5% may even become an incentive when choosing and changing a profession," says Pavel Kalyakin.