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Getting IT-mortgages want to simplify

The Ministry of Digital Development, at the request of representatives of the IT industry, proposes to change the requirements for obtaining a preferential mortgage. The Ministry has already prepared a corresponding draft resolution.

Among the new conditions:

    • The rate is 3% instead of 5%.

    • Reducing the minimum wage for employees from 150,000 rubles to 120,000 rubles for million-plus cities (for Moscow, given the high level of salaries, the requirement will remain the same – 150,000 rubles) and from 100,000 rubles to 70,000 .rubles for other settlements. At the same time, the specified salary can be calculated not only at the main place of work, but also with part-time work (in the aggregate), if the second company is also accredited.
    • Age from 22 to 50 years old instead of 22-44 years old, as it was before.
    • Work in an accredited IT company without the requirement that the company enjoy tax benefits.
    • Work in an accredited IT company (companies may change) for at least 5 years from the date of granting the mortgage, further employment is not checked.
    • When leaving an accredited company, it is necessary to find a job within 6 months, instead of 3 months, as required before.

According to the Ministry of Digital Development, the changes will make IT-mortgages more accessible, and will also cover a wider range of specialists. Now banks have already approved 9,250 applications, 2,263 IT employees have received mortgage loans for a total of 20.5 billion rubles. Recently we wrote that more than 50% of IT specialists who left Russia want to return.

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