After resuming the issuance of IT mortgages from April 8, 2024, about 250 VTB customers issued it, receiving 2.2 billion rubles for the purchase of real estate. The average check amounted to about 8.5 million rubles, which is 2 times higher than for other preferential programs. The total volume of IT mortgage transactions in the bank is approaching 120 billion rubles. This is stated in the bank's message.
Over 2 years, VTB has helped to purchase real estate for more than 12 thousand IT specialists. Borrowers can apply for loans on the same terms: the rate is 5% per annum for the entire term of the contract, and the minimum down payment is 20.1% of the value of the property. Due to VTB's cooperation with development partners, the bank's customers can use the loan amount increased to 30 million rubles.Employees of companies accredited by the Ministry of Finance of the Russian Federation aged from 18 to 50 years inclusive can apply for an IT mortgage. Monthly income requirements are set for borrowers aged 36 to 50 years: in million-plus cities (with the exception of Moscow) it should be at least 120 thousand rubles, in the rest – 70 thousand rubles. In the capital, the minimum wage for obtaining a preferential loan for such clients is 150 thousand rubles per month. It is possible to get an IT mortgage loan for the purchase of apartments, townhouses and houses from a legal entity, as well as for individual housing construction by a contractor.
In VTB, when buying real estate in the regions with millions, borrowers can receive up to 30 million rubles on preferential terms, in the rest - up to 15 million rubles. The bank's cooperation with development partners, who subsidize the client's rate if the maximum amount of his loan exceeds the limits set by the government, significantly expands the capabilities of IT specialists.
VTB Group is a Russian financial group comprising more than 20 credit and financial companies operating in all major segments of the financial market. In the CIS countries, the group is represented in Armenia, Ukraine, Belarus, Kazakhstan, and Azerbaijan. VTB banks in Austria, Germany and France operate within the framework of a European sub-holding headed by VTB Bank (Austria). In addition, the group has subsidiaries and associated banks in the UK, Cyprus, Serbia, Georgia and Angola, as well as one branch of VTB Bank in China and India, two branches of VTB Capital Plc. in Singapore and Dubai.
