CrimeaPRESS reports:
Sber has launched a pilot escrow project for lending to individual low-rise complexes, the bank’s press service reported.
Sber has launched a pilot project for lending to low-rise residential complexes (individual housing construction, IZHS) through escrow accounts. Such a scheme will be implemented for the Dmitrov Dom project of the Airplane groupthe message says.
Experts Interfax Real Estate remind: in July 2019, Russian developers switched from shared construction according to the “old” scheme, when the developer directly attracted money from equity holders, to project financing using escrow accounts. According to the “new” scheme, the money goes to the bank to the escrow account, where it is stored until the commissioning of the object or other circumstances, for example, termination of the contract, etc. The innovation was intended to ensure the safety and reliability of the funds that citizens have invested in the construction of real estate.
According to analysts, the volume of mortgages for individual housing construction in Sberbank will reach 200 billion rubles by the end of 2023. So, this is twice as much as last year, and almost eight times more than in 2021.
According to the Bank DOM.RF, the demand for mortgages on individual housing construction tripled in May compared to 2022. So, more than 800 families took advantage of it. In addition, the result is 10% higher than the previous month. The volume of transactions amounted to 3.6 billion rubles.
The greatest interest in private housing construction in May was shown by residents of the Moscow Region (over 1 billion rubles, a 4-fold increase compared to last year), the Krasnodar Territory (322 million rubles, 1.5 times), St. Petersburg and the Leningrad Region (318 million rubles, 2.5 times).
IZHS remains one of the main tools for improving the living conditions of citizens and a growth point for housing construction. Commissioning of housing in this segment is growing at a rate that outpaces multi-apartment construction. The market of private housing construction itself is changing in terms of supply and demand. Our clients, for example, began to consider frame construction technologies and houses from sip panels more often.— said Kirill Varentsov, Vice President of DOM.RF Bank.
It is specified that the “Family” mortgage became the driver of demand in May — 44.5% of customers used it, 34.5% fell on the “Preferential” one. In 13.5% of cases, they took out a mortgage for IT specialists, another 5.5% were issued under the standard market program.
source: Interfax Real Estate
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