For the duration of the programme, the Bank issued mortgage loans worth about 1.5 billion rubles. Now the reading is comparable to the size of the remaining limit, reported the Bank press service. In this way, customers who have applied for this program before July 6, will receive a preferential rate, regardless of the date of approval. “Currently, we expect information HOME.Of the Russian Federation on the possibility of increasing the limit state subsidies”, – the press-service.
However, the reallocation of funds is possible only after voluntary consent of program participants that do not select the limit reported in the HOUSE.Of the Russian Federation. In addition, the redistribution should be fixed by changes in government regulation.
the program of preferential mortgage involved 59 banks and 3 non-credit organizations. They have applied for lending more than 1 trillion rubles. However, the total amount of loans given by the government limited the amount of 740 billion rubles for subsidizing interest rates from the budget allocated about 6 billion rubles. This will give, according to rough estimates, about 240 thousand credits. To fit in with these restrictions, DOM.Russia has reduced the limits for each Bank in proportion to submitted applications.
the Leader on the approved lending volume was Sberbank. By submitting an application for the issuance of 450 billion rubles, he got the limit in 316,3 billion. In second place – VTB with an approved limit 175,7 billion roubles, on the third Bank BUILDING.RF (35.1 billion rubles).
the banks received almost 260 thousand applications for preferential mortgage announced recently by Deputy Prime Minister Marat Khusnullin. According to experts, the figure is really obtained credits can be less – sometimes borrowers apply to several banks simultaneously, then choosing the most profitable option.
Other banks are not concerned about the exhaustion of the limits. So, the savings Bank has spent only about a third of the limit, issuing 35 thousand credits to 91.5 billion rubles. “According to our projections, the remaining funds will be enough for four future month of the state program”, – told “RG” the press service of the Bank. VTB chose a quarter of its limit (15,7 thousands of mortgage deals to 44.4 billion rubles). Higher rates of sampling limit the Bank BUILDING.RF: it took 16 thousand mortgage applications worth around 47 billion rubles, approved by more than half, said the Director of the mortgage business of the Bank Igor Larin. The absence of concerns about the premature exhaustion of the limit reported in ROSBANK, Alfa-Bank, Promsvyazbank (issued 4.4 billion), Bank URALSIB (issued 1.7 billion, less than one third of the limit). The agricultural Bank and the Bank “Opening” to the time requests are not answered.
the Program has significantly supported the real estate market, noted in the HOUSE.Of the Russian Federation. In may the volume of issue of mortgage at 4.5% over may last year. Due to high demand, the risk that the limits will be exhausted before 1 nof November, there is, according to the company. IN THE HOUSE.RF reported that discussing scenarios for the future of the program, but the final decision should be taken by the government. “The program was approved in the framework of measures to support the construction industry, and now we are seeing a market recovery,” – added to the company.
“the Total limit is 740 billion rubles. Based on the current dynamics of the loans this amount is sufficient for full implementation of the program throughout its duration. At the end of last week issued about 67 thousand loans amounting to 158 billion rubles – less than half the amount of the statutory limit”, – told “RG” the press service of the government.
however, the VTB is in favour of renewal of state support. The probability of extending the program high enough, it is necessary to support the construction industry, said the managing partner of the company “Metrium” Maria Litinetskaya. “I think that at least for the winter period support will continue, as this is a critical time for the market in December is always fixed high activity of buyers in January – the biggest decline. In both cases, we need soft loans, especially in tough economic conditions,” she said.
Preferential mortgage was launched in the spring to support the construction industry and the recovery of demand for new buildings is in crisis. To buy an apartment in a newly built house at a rate of no more than 6.5% can be up to 1 November this year, the lowest rate is in effect during the entire term of the loan. The maximum loan amount is 12 million in the Metropolitan area and 6 million rubles in other regions.
