The Cabinet of Ministers is studying the initiative to introduce in Russia the possibility of obtaining an online mortgage for an indefinite period, the press service of Deputy Prime Minister Marat Khusnullin reports.
Delovaya Rossiya made a corresponding proposal. Now and until September 30, 2020, Russian banks can open accounts and deposits without the personal presence of clients. Also during the pandemic, credit institutions were allowed to conclude mortgage transactions online and this turned out to be a popular service,
So, from April to August, 1.4 thousand mortgage agreements for the sale of housing with a total area of 73 thousand square meters were concluded remotely. m. In order to arrange a mortgage online after September 30, Delovaya Rossiya, together with developers and Dom.RF, propose to make the necessary changes to the anti-money laundering law (115-FZ), which regulates the procedure for identifying bank customers , including remotely.
For example, individuals may also be allowed to open accounts via video communication, through an account in the unified identification and authentication system (ESIA). According to the press service of Marat Khusnullin, this proposal is already being studied.
The market and, most importantly, customers are interested in maintaining the possibility of remote registration of mortgages. After the quarantine restrictions have been lifted, people prefer to complete transactions at sales offices. However, requests for remote purchase remained. For example, it is convenient for nonresident buyers- said Oleg Kolchenko, a shareholder and managing partner of Osnova Group.
A number of banks also support the initiative.
As chernayakobra.ru wrote earlier, in July-August prices for new buildings rose by 6.2% due to the government's program of preferential mortgages. This is stated in the report of Sberbank. It is noted that the rise in prices by 6.2% is associated with the implementation of the preferential mortgage program for new buildings at 6.5%. 90% of loans were issued exactly according to this scheme.