As the PIK press service reported in response to a request from ComNews

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s Yulia Arkhangelskaya, Head of Mortgage Lending at Mangazeya Group of Companies, noted, the popularity of IT mortgages was facilitated by low interest rates on loans and low requirements for potential recipients, and demand continues to grow: "The rate on IT mortgages is one of the lowest in the product line and is from 4.2% for a loan amount of 18 million rubles. Demand for this program is growing, since in 2023 the requirements for borrowers were simplified. Now, employees from 20 thousand Russian IT companies, aged up to and including 50 years, can take out a preferential mortgage. At the same time, borrowers under 35 years of age no longer have to confirm the minimum salary level."

IT mortgages are one of cyprus whatsapp number database the most popular programs in the mortgage lending market: "In PIK's sales volume in December-January 2023-2024, the share of IT mortgage transactions in the total volume of housing sales with a mortgage is 13%, and in 2023, according to DOM.RF, 39 billion rubles were issued under this program. The rate for IT mortgages is 5%, which is less than for other popular programs: preferential mortgages (8%) and family mortgages (6%), while the maximum loan amount is higher. Developers provide even lower rates for IT mortgages than those stipulated in the program. Thus, PIK offers IT specialists an IT mortgage with a rate of 3.8% instead of 5%. The popularity of the program proves that it is a real support measure, and The Ministry of Digital Development has prepared a draft resolution on increasing the limits on the issuance of such mortgages by banks, since some banks have already stopped accepting applications for IT mortgages."

Renat Lashin, Executive Director of the Association of Russian Producers of the Domestic Software, called preferential mortgages one of the most effective tools for attracting and retaining IT specialists in the country: "It is encouraging that the Ministry of Digital Development and the Government of the Russian Federation, assessing the results of the implementation and demand for measures, are increasing the availability of preferential mortgages for qualified employees of IT companies not only by extending the age and easing salary requirements, but also by increasing the limits. Of course, tax and social support measures actively contribute to the retention of qualified personnel within the country, helping the development and implementation of domestic products and technologies in various sectors of the economy. The current measures to support IT sector enterprises must be maintained and improved as long as possible, based on current realities."

Pavel Kalyakin, CEO of New Cloud Technologies LLC (MyOffice), called IT mortgages one of the key factors stimulating the development of the IT industry in Russia: "This financing mechanism is becoming increasingly popular not only in megacities, where leading technical universities and offices of large IT companies are concentrated, but also in the regions of the country. Previously, a high "entrance ticket" made mortgages inaccessible to specialists with limited income (junior and middle grade specialists). After changing the requirements for mandatory confirmation of income for IT specialists under 35, new opportunities were opened for a wide range of professionals. Thus, IT mortgages are becoming an important factor in retaining promising specialists in the field of information technology in the country."

EdgeCenter IT Director Sergey Lipov called IT mortgages an important support measure for the IT industry: "This is not just a financial instrument, but also a mechanism that stimulates the attraction and retention of talented specialists in the industry. The extension of the IT mortgage program is certainly positive news for the industry and for everyone involved in the world of information technology."

Denis Sadykov, Director of Corporate Development at Directum, named the possibility of obtaining a preferential mortgage as one of the factors for retaining personnel: "Considering the mobility of IT specialists and their high demand in the world, the availability of housing in Russia plays a significant role. High rates on regular loans and mortgages contribute to this. We have encountered candidates who name the possibility of obtaining an IT mortgage in the future as one of the factors for choosing our company."