paid not at the preferential, but at the market rate.

[tanjimajuha20]

In June, several banks temporarily suspended issuing IT mortgages due to the exhaustion of the overall limit for the program (set at 700 billion rubles). Among them are VTB, Sber, and Dom.RF. In the middle of the month, Deputy Prime Minister Dmitry Grigorenko, who oversees IT, instructed the Ministry of Finance and the Ministry of spain whatsapp resource Digital Development to work out the issue of extending the preferential mortgage program for IT specialists by June 20. At the same time, Vedomosti wrote about the probable exclusion of Moscow and St. Petersburg from the program. According to Kommersant, the Ministry of Digital Development and the Ministry of Finance have been instructed to work out the allocation of an additional 28.5 billion rubles for the implementation of IT mortgages already issued by banks in 2024. The publication's source spoke about the shortage of funds to cover the banks' expenses for already issued IT mortgages, since the banks first issue the mortgage loan from their own funds and only then the program operator, Dom.RF, compensates them for their expenses.

According to Dom.RF as of June 27, a total of 74.85 thousand preferential loans under the IT mortgage program for a total of 673.4 billion rubles were issued during the program. As of the beginning of March, housing worth a total of 272.5 billion rubles was purchased in Moscow under the IT mortgage, with a total amount of 669 billion rubles in all regions. St. Petersburg is in second place by a wide margin - 92 billion rubles, and Moscow Region is in third place, where IT specialists purchased housing for 56 billion rubles. If we focus on the area of ​​housing purchased under the program, then Moscow, although it is the leader in this parameter, is smaller than in monetary terms - 860 thousand square meters against 380 thousand square meters in the Moscow Region and 370 thousand square meters in St. Petersburg.

How will the limit reduction affect
The reduction of the maximum preferential amount of IT mortgages may occur within the general trend of reducing budget expenditures on providing preferential financing for mortgage construction in general, suggests Valentin Makarov, president of the RUSSOFT association. According to him, more than 50% of the highest paid IT specialists in the country are concentrated in the capital. "For Moscow, this will have the greatest effect in terms of size, also due to higher housing prices than in the country as a whole. For the rest of Russia, the reduction of the maximum preferential amount of mortgage lending for IT specialists, in my opinion, will not cause major changes," he says.