The Ministry of Finance will study the idea of linking the family mortgage rate to the number of children
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Banks may reduce the rate on family mortgages upon the birth of children, reported “Izvestia” at the DOM.RF corporation. It is assumed that the rate will decrease by 1 percentage point. (up to 5%) after the birth of the second child and by 2 p.p. (up to 4%) – after the birth of the third child.
The benefit will only apply to new loans. Managing Director of DOM.RF Svetlana Nekrasova noted that cramped living conditions are one of the key reasons why Russians postpone having children. DOM.RF believes that thanks to the program, families would be able to buy more spacious housing on preferential terms, which could increase the birth rate.
According to DOM.RF, a proposal to reduce the rate on family mortgages depending on the number of children will be considered at a meeting of the working group at the Ministry of Finance. Now the mortgage program at 6% is available to families with two or more children (if the first one was born before 2018), or to those who only had one child from 2018 to 2023.
Why the Ministry of Finance expects a reduction in the share of state programs in housing lending – in the material “A quarter of the benefits will be left to mortgages”.
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