The Ministry of Finance is discussing changes to the terms of preferential family mortgages – Kommersant
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The preferential family mortgage program, issued at 6%, needs to be transformed, said Deputy Finance Minister Ivan Chebeskov. He clarified that the parameters of this program, like the parameters of other preferential mortgage programs, are currently being discussed.
Mr. Chebeskov noted that the family mortgage “will undoubtedly be extended,” but it is necessary to “assume that preferential programs must be an effective support measure.” According to him, the department’s data show that preferential programs “are not an effective support measure.”
“They need to be transformed. Including a family mortgage, so that when it is extended, it helps exactly the families – those for whom it is aimed. We are now preparing comprehensive proposals for all programs,” said the deputy minister (quoted by TASS). He did not provide details of the upcoming changes.
Family mortgage is a preferential lending program at a rate of up to 6% per annum (5% for residents of the Far East). The program can be used by families in which: from January 1, 2018 to December 31, 2023, the first child or subsequent children were born (adopted); there are two or more minor children; raising a child with a disability (born before December 31, 2023). The maximum loan amount under the program is RUB 6 million. for regions and 12 million rubles. for Moscow, Moscow region, St. Petersburg and Leningrad region.
Deputy Prime Minister Marat Khusnullin announced at the end of December that the preferential mortgage program would be reviewed. On January 23, at a meeting with participants and winners of the “Family of the Year” and “This is Our Family” competitions, President Vladimir Putin spoke for the extension of a preferential family mortgage at a loan rate of 6%. In his opinion, it is necessary to develop a mechanism for preferential mortgage programs in the secondary market. IN DOM.RF considerthat the extension of the family mortgage will retain half of the issuance of preferential loans.
About the situation on the market – in the publication “Kommersant” “Interest has accrued on benefits”.
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