Employees of IT companies excluded from the registry will retain a preferential mortgage rate

The prime interest rate on the mortgage will be increased only if the borrower quits and does not start working at another IT company that is on record within three months.

Now the registry includes almost 30 thousand organizations, including Yandex, VK, Kaspersky Lab, Positive Technologies and others. On August 1, the Ministry of Digital Transformation excluded more than 400 companies from the registry because IT activities are not their main activity.

Among the companies excluded were Sberbank, VTB, Alfa-Bank, Tinkoff, Otkritie, Gazprombank, MKB and several other large banks. The Bank of Russia, the National Payment Card System, the Moscow Stock Exchange and the National Payment Depository were also removed from the registry.

If the borrower meets all the conditions for the loan, then the deprivation of the company’s accreditation will not become the basis for changing the terms of the contract, since “there is no fault of the borrower in this situation”, a representative of Sun .RF said. Promsvyazbank, Rosbank and VTB will also not increase the mortgage rate if an IT company is excluded from registration.

The rate will be increased only in case of dismissal of a specialist and his employment in a non-accredited company and in case of registration of more than one loan under the program. If the new workplace of an IT specialist is not listed in the register of the Ministry of Digital Development, the rate on the mortgage loan can be recalculated at the level of the key rate of the Central Bank plus 2.5–4.5 pp