Sberbank has raised mortgage rates for the third time in a row

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This is the third increase after the last increase in the key rate

 Сбербанк в третий раз подряд повысил ставки по ипотеке

Starting from July 2, 2024, Sberbank increases interest rates on most mortgage programs by 1.3 percentage points. This is the third increase after the increase in the key rate and the first after the completion of the preferential mortgage program.

It will now be possible to take out a loan for the purchase of a new building, secondary housing or the construction of a private house in a bank at 19.5%. A similar rate is set for refinancing mortgage loans taken out by other banks.

The minimum mortgage rate for suburban real estate and the purchase of land plots is now 19.8%; for garages, parking spaces and storerooms – 20%. Under the Military Mortgage program, rates have increased to 18.9%, and loans for the purchase of commercial real estate are now issued from 21% per annum.

As reported in Sberbank, the rate changes are associated with an increase in the yield on federal loan bonds (OFZ) against the background of the high key rate of the Central Bank.

The last time the Central Bank raised the key rate on December 15, 2023, to 16%. Sberbank for the first time raised mortgage rates under market programs on January 10 — from 15.6% to 16.7% for new buildings and up to 17% for secondary housing. The next increase occurred on June 5 — to 18.2% for new buildings and 18.5% for secondary. The current increase is the third in a row since the beginning of the year.

The day before, VTB announced an increase in the mortgage rate. On the eve of the completion of the preferential mortgage program, a number of banks also increased mortgage rates.

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