One of these programs is social mortgage.

According to it, the region subsidizes the loan rate or compensates for payment of part of the cost of housing up to 30-100%, the organization noted.

“This benefit works for teachers, unique specialists or doctors, as well as for people who are registered to improve their living conditions, or large families.

Each region has its own requirements.

It happens that in order to receive compensation, the recipient of the subsidy must, for example, enter into an employment contract with a government agency for at least ten years - this is how social mortgages work in the Moscow region.

It also exists, for example, in Moscow, the Arkhangelsk region, and St. Petersburg,” the experts added.

Experts also mentioned such a tool as a mortgage for young teachers.

“Government regulations allow regions to enter into an agreement with the Ministry of Education and Science on subsidizing mortgage loans for teachers under 35 years of age.

Due to this, the rate for them is reduced to 8.5%.

A similar program works, for example, in the Murmansk region and the Altai Territory,” said Roskachestvo.

The state offers a special program for military personnel.

According to it, the state will repay the loan per person within the established limit, the press service recalled.

There are also regional programs for certain categories of people.

“Usually for those who need housing, who are being relocated from emergency housing, or representatives of certain professions.

For example, in the Samara region there is a mortgage for doctors and teachers at a rate lower than the base rate by three percentage points, but it is available only in certain banks,” analysts noted.

In addition, Far Eastern and Arctic mortgages allow you to take out a loan at a rate of up to 2%.

“Under these programs, unlike all previous options, you can buy ready-made housing from a private person, for example an apartment or a house,” the organization noted.

If preferential programs are not available to you, there are ways to officially reduce the base mortgage rate, they added.

“Some large employers offer mortgage discounts to employees.

But the banks themselves can offer discounts if certain conditions are met,” the experts added.

Another option is to become a payroll client of the bank.

“Many lenders reduce rates for such clients.

In recent years, discounts have also been offered to those who are ready to transfer their salary to a bank card after taking out a mortgage.

Discount on the rate - 0.5-1 percentage points.

Often banks themselves set discounts on rates for clients of certain categories - for example, doctors, researchers or emergency workers - who cannot qualify for subsidies or social mortgages,” experts said.

You can also use additional bank services.

Often this allows you to reduce the base rate by an average of 0.3-1 percentage points.

“To do this, you need to: take out voluntary life and health insurance, submit an online application on the bank’s website, use the electronic transaction registration service, confirm your profile through State Services - that is, go through authorization through the portal and provide the bank with access to personal information: passport data, registration, SNILS, data on the status of the personal account in the SFR,” explained Roskachestvo.

In addition, many banks have launched a new service - a reduction in commission rates.

It is noted that the borrower pays a commission of 2% of the loan amount and the bank reduces the approved rate by one percentage point.

“You can reduce the rate for the entire term of the mortgage or only for the first few years.

In the latter case, the commission will be lower.

The second option is interesting for those who plan to repay the loan ahead of schedule or are forced to take out a mortgage at high rates - for example, as in January 2024.

After some time, as has happened more than once, the Central Bank will begin to reduce the key rate, and after it, banks will begin to reduce rates on loans and deposits.

Then it will be possible to refinance the loan at a lower interest rate,” explained representatives of the organization.

Earlier, the press service of Roskachestvo told RT whether it is possible to return defective spare parts for a car.