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Alfa-Bank raises the amount of the down payment on family and IT mortgages. From October 11, its minimum amount will start from 50.1% of the cost of housing, the bank told TASS.
The initial payment on the Far Eastern and Arctic preferential mortgages will also increase - from 20.1% to 30%. The change will spread to new customers of the credit institution.
Earlier it became known that Russian banks have been introducing a new commission since October – about 6.5% of the loan amount - on mortgages under market programs. The fee will apply to housing developers or borrowers themselves. The new mortgage commission will affect transactions for the purchase of primary and secondary housing, as well as private homes. It already operates in VTB, Sberbank and Alfa-Bank.
As experts explain, such a fee is a necessary measure. Earlier, the Bank of Russia reduced the possible maximum full cost of the loan. If the costs are included in the loan amount itself, then its full cost may exceed this limit. In this way, credit institutions are trying to maintain their profits.
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