Минфин уверен в достаточности лимитов по семейной ипотеке до ноября

The total amount of limits on family mortgages will be sufficient until November, the press service of the Ministry of Finance told Izvestia. The department will monitor the market dynamics until the end of the year and decide on the need to increase the threshold.

Last time new limits on the family mortgage were allocated in July, after changing its terms - they increased by Br1 trillion. By September 19, banks had the opportunity to issue such loans for a total of 427 billion rubles, according to the most up-to-date statistics "DOM.RF" ("Izvestia" studied it). This is quite a lot: for comparison, last month banks issued loans for 173 billion rubles under this state program.

However, this is the total figure for the market. It varies considerably depending on the player - most of the major banks have almost chosen their limits. According to the data of "DOM.RF", at Sber they are used up by 98% - they are left only for registration of loans for 52 billion rubles. This is almost twice less than the bank's disbursements in August.

Alfa-Bank has fully used up its limits and even exceeded them by 1.3 billion rubles, follows from the data of "DOM.RF". They are also 98.5% utilized at RSHB and almost completely run out at Uralsib Bank. "Izvestia" sent inquiries to the largest credit organizations, including those mentioned.

Sber, RSHB, Uralsib and Pochta-Bank suspended the issuance of family mortgages last week due to the exhaustion of limits. In addition, VTB, Gazprombank and Sovcombank raised the down payment on loans issued under this state program to 50.1%.

"It is likely that the balance of the total limit will concentrate on the largest banks that meet the bulk of demand for preferential loans," said Yuri Belikov, managing director of the rating agency Expert RA.

Preferential mortgage limits are the amount of money that banks can give to the population in the form of housing loans with state support. Participants of the program are entitled to reimbursement of lost income for the difference between the market and reduced rate only if they take out such a loan within the allocated thresholds. For these purposes, the Ministry of Finance annually allocates funds from the budget.

Read more in the exclusive material of Izvestia:

Standing at the threshold: family mortgage limits will suffice until November