In 2024, developers abandoned near-zero mortgages. However, according to the RBC-Nedvizhimost publication, instead of it, developers are already offering other options for mortgage schemes.
However, traditionally, buyers will have to overpay for a low rate. For example, a delay in payments for a certain period has now begun to appear. Thus, Uralsib and Metallinvestbank banks provide both a deferral of the down payment for a period of up to one year, and a reduced percentage of payments for the entire duration of the installment plan.
In addition, borrowers are offered an interest-free mortgage: for a certain period, for example, five years, the borrower does not pay interest on housing, but only makes the main payment. In this case, the increase in the value of the object can reach up to 25%.
A tranche mortgage is also offered – the issuance of money to the borrower in installments. The first tranche is issued immediately, and a month before the house is put into operation – the second. So, while the house is being built, the payment is small. However, there are risks: rates may rise, and apartments may rise in price. And the last option is cashback for buying a home.
Recall that earlier we interviewed experts and talked about what will happen to prices for new buildings in the spring against the backdrop of fairly strict restrictions by the Central Bank.
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