As noted in Bank DOM.RF, townhouses are becoming an increasingly popular housing format among IT professionals. They combine the advantages of a private house – spacious premises, open layouts, own plot of land – with a convenient location near urban infrastructure. At the same time, the cost of a townhouse, as a rule, is lower than the price of a detached house, which makes it more affordable option. An additional advantage is the reduction in maintenance costs, since such houses are built in rows, which reduces the cost of land and building materials.
Employees of IT companies accredited by the Ministry of Digital Development of Russia, aged 21 to 50 years, can take advantage of the preferential IT mortgage program. The minimum income for applying for a loan is 150 thousand rubles per month for residents of Moscow, Leningrad regions and millionaire cities (with the exception of Moscow and St. Petersburg) and 90 thousand rubles per month – for the rest of Russia.
Under the terms of the state program, IT mortgages are provided at a preferential rate of 6% per annum. The maximum loan amount is 9 million rubles, but as part of a combined mortgage, borrowers can increase the amount of financing up to 18 million rubles, using additional credit opportunities.