"Parê» LLC "Rechnikov Invest" – the builder of city quarter comfort class "the River Park" – reports
In February, 2017 Public joint-stock company "Sberbank Russia" declared b decrease in rates on a mortgage from 12% to 10,9%. The initial contribution has to be thus equal not less than 15%. The maximum sum of delivery is limited to 15 million rubles, so, clients of "the Park River" can choose any apartment even in the presence of the minimum initial contribution.
One more leader of mortgage lending Bank VTB 24 (Closed joint-stock company) specially for key partners where the builder of the project LLC "Rechnikov Invest" entered, also offered the program of crediting for a rate of only 10,4% per annum. Conditions are actual upon apartment more than 65 sq.m. purchase. According to the standard program the credit is given under 10,9%. The sum of delivery is not limited and depends on level of the income of the borrower. Also there is an opportunity to receive a mortgage according to two documents. In that case the rate increases by 0,5 items. At the minimum initial contribution of 15%, the maximum sum of a mortgage is equal to 15 million rubles. If to increase a contribution to 20%, the limit of delivery will make already 30 million rubles.
Also Bank VTB 24 (Closed joint-stock company) reduce a rate from 12% to 10,9% for purchase of apartments. The maximum size of the credit makes 15 million rubles at an initial contribution from 20%, and at the first payment over 25% of apartment cost, in a mortgage it is possible communication any sum without restriction. Thus, for the first time rates on purchase of apartments were comparable to percent on the credit for residential real estate.
"The program with the lowered rate upon apartment over 65 sq.m purchase, is sure, will be in a great demand, – Larisa Shvetsova , the director general of the JSC River Park company LLC "RIVER PARK" notes Shvetsova Larissa, the managing partner "Metrium Group" notes Litinetskaya Maria who the first declared revision of conditions on the credit. After it other leaders of mortgage lending were tightened also, having offered own competitive programs. However, considering that level of a key rate makes 10%, unfortunately, there are no prerequisites for decrease in percent on the credit below this level. So, now the optimum moment for transaction in primary market. After all still a year ago (in January, 2016) the average rate on the credits which have been given out on purchase of primary housing, made 13,35%, and in January, 2015 – 12,45%. Moreover, today's percent even are lower than value of pre-crisis January, 2014 when they made 12,44%".