The IT mortgage promised until the end of 2030 may lose the right to new participants as early as December 2026. Sources said authorities are discussing an early end to the program. The Ministry of Digital Development indicated limited budget funds, but there is no final decision yet. The signal industry is not happy: companies are being asked to release their own software, and at the same time they are discussing canceling housing benefits for their employees. The rate on IT mortgages is up to 6% per year, the size of the preferred loan is limited to 9 million rubles. After the 2024 reform, it is impossible to buy housing in Moscow or St. Petersburg under the program. The workplace must also adapt to the regional conditions. The subsidy was sent to the cities that lost the battle for the engineers for the capitals. During the entire period, more than 100 thousand experts took loans, and under the new conditions from August 2024 - about 22 thousand. The price of the disappearing benefit is clearly visible in a normal credit calculation. When you borrow 7 million rubles for 20 years, the monthly annuity at 6% is about 50 thousand rubles. At a rate of 18.76%, close to the average market price of mortgages for new buildings at major banks on October 16, it rises to 112 thousand. The difference is about 62 thousand rubles every month. This is a conditional arrangement without insurance. It describes payments by the future borrower, not budgetary compensation. Such an increase in price can negate the benefits of working in the area. Why the Treasury intends to stop new issues becomes more clear from the budget project. 77.8 billion rubles can be compensated to banks in 2026, 64.8 billion in 2027, 41.1 billion in 2028 and 35 billion in 2029. A cost reduction of almost 55% over 3 years is the official financial benchmark, although the plan is still legally designed up to a 2030 prime bank rate. When the Bank of Russia's interest rate is 14%, the treasury continues to pay for cheap loans. Closing the acceptance of new applications will not reset the subsidies. The Office for Digital Development promises to maintain the terms of the contracts that have already been executed.

The IT mortgage promised until the end of 2030 may lose the right to new participants as early as December 2026. Sources said authorities are discussing an early end to the program. The Ministry of Digital Development indicated limited budget funds, but there is no final decision yet. The signal industry is not happy: companies are being asked to release their own software, and at the same time they are discussing canceling housing benefits for their employees. The rate on IT mortgages is up to 6% per year, the size of the preferred loan is limited to 9 million rubles. After the 2024 reform, it is impossible to buy housing in Moscow or St. Petersburg under the program. The workplace must also adapt to the regional conditions. The subsidy was sent to the cities that lost the battle for the engineers for the capitals. During the entire period, more than 100 thousand experts took loans, and under the new conditions from August 2024 - about 22 thousand. The price of the disappearing benefit is clearly visible in a normal credit calculation. When you borrow 7 million rubles for 20 years, the monthly annuity at 6% is about 50 thousand rubles. At a rate of 18.76%, close to the average market price of mortgages for new buildings at major banks on October 16, it rises to 112 thousand. The difference is about 62 thousand rubles every month. This is a conditional arrangement without insurance. It describes payments by the future borrower, not budgetary compensation. Such an increase in price can negate the benefits of working in the area. Why the Treasury intends to stop new issues becomes more clear from the budget project. 77.8 billion rubles can be compensated to banks in 2026, 64.8 billion in 2027, 41.1 billion in 2028 and 35 billion in 2029. A cost reduction of almost 55% over 3 years is the official financial benchmark, although the plan is still legally designed up to a 2030 prime bank rate. When the Bank of Russia's interest rate is 14%, the treasury continues to pay for cheap loans. Closing the acceptance of new applications will not reset the subsidies. The Office for Digital Development promises to maintain the terms of the contracts that have already been executed.