Within the framework of the agreement reached with AIZHK, the Uralsib bank begins to lend to borrowers who want to purchase ready -made housing. The program provides for the possibility of obtaining a loan both to buy an apartment and for the purchase of suburban real estate. The loan is issued for up to 30 years, and is limited by the amount of 8 million. rubles for capital cities – Moscow and St. Petersburg, and three million rubles for regions. The loan currency can only be a Russian ruble, the loan is issued on the key to the purchased housing. A prerequisite for obtaining a loan is the introduction of the first contribution, the amount of which should be at least 30% of the cost of the purchased apartment.
For objects of suburban real estate and townhouses, the size of the first contribution starts from 40% of the cost of housing. A loan is provided exclusively on the purpose of acquiring a single housing for permanent residence. As part of cooperation with AIZHK, the Uralsib Bank has developed a special, preferential lending program that allows the borrower to use the current regional or all -Russian programs providing for the issuance of a subsidy for the purchase of housing.
The use of maternity capital funds is also allowed, both on the payment of interest on a mortgage and in the account of repayment of the main debt. As Ilya Filatov, deputy chairman of the board of the bank, emphasized, the new credit product is socially oriented, and is distinguished by a reduced interest rate, and a number of other, preferential conditions. This made it possible to make the proposed mortgage loan accessible to more potential borrowers, which, in turn, will help many Russian families solve their housing problems and acquire their own housing.