It is noted that "this decision will help prevent unscrupulous players from entering the market, which means it will strengthen the protection of citizens' rights."
“Now mortgage loans can be issued not only by banks, but also by other financial organizations.
To do this, they must be included in the list of authorized companies, for which the unified development institute in the housing sector is responsible - DOM.RF JSC, - the message says.
The press service of the Cabinet of Ministers said that "the rules for the formation of such a list and the basic requirements for its participants were approved by a government decree in March 2020."
“Initially, it was established that companies with experience in the market (at least 200 mortgage loans issued by October 2019) can apply for inclusion in the list.
The new decree specifies what kind of loans they should have in their portfolio.
In particular, the size of the loan must be at least 500 thousand rubles, the minimum term is 36 months.
In this case, the money had to be transferred at a time.
In addition, the size of the interest rate should not have exceeded the weighted average interest rate on mortgage loans by more than two times, and the agreement should have stipulated a condition on insurance of the pledged property, ”the government explained.
Earlier, as reported by the NSN, the Deputy Mayor of Moscow for Economic Policy and Property and Land Relations Vladimir Efimov said that as of February 18, 2021, residents of the capital were provided with more than 56 thousand preferential mortgage loans worth about 314 billion rubles.