VTB lowers mortgage rates

      On August 5, 2025, at 14:18 [159]

      VTB announces a 2 percentage point reduction in market mortgage rates starting August 5.

      New conditions for the bank’s basic programs (including all current discounts):

      ∙ from 23.3% per annum — for the purchase of apartments and condominiums in primary and secondary markets,

      ∙ from 23.9% per annum — for individual housing construction.

      Bank experts note that until the end of the year, programs with government support will remain the key driver of the mortgage market, accounting for a significant portion of new disbursements. VTB continues to actively work on these programs.

      As a result of the easing of the monetary policy by the regulator, the bank expects the market situation to gradually normalize. Given the current dynamics, VTB estimates the total market mortgage issuance volume for 2025 at 4.04 trillion rubles (previously 3.8 trillion rubles).

      Market mortgage rates from August 5:

      Total credit cost (New building (apartment, townhouse)) - 24.447% – 31.537%

      Total credit cost (New building (condominium)) - 24.447% – 32.478%

      Total credit cost (Secondary market (apartment, townhouse, condominium)) - 24.447% – 32.478%

      Total credit cost (Secondary market (ready residential house)) - 24.847% – 32.886%

      The rate of 24.20% per annum applies with comprehensive insurance, income and employment verification, and a first down payment of at least 20.1% for existing VTB salary clients.

      Program for purchasing ready and under-construction housing.

      Loan amount — up to 100 million rubles. Loan currency — rubles. Loan term — from 1 to 30 years.

      Conditions are valid from August 5, 2025, until the bank amends the lending conditions.

      Evaluate your financial capabilities and risks. Review all loan conditions at vtb.ru.

      VTB Bank (Public Joint Stock Company) provides solely banking services. The bank has the right to refuse a loan without explanation. The bank grants loans if the borrower (co-borrower, if applicable) meets the bank’s requirements and has provided a complete set of necessary documents.

      VTB Bank (Public Joint Stock Company). General License of the Bank of Russia No. 1000. Advertisement.

      On market conditions for individual housing construction from August 5:

      Total credit cost 25.053% – 32.886%

      The rate of 24.60% per annum applies with comprehensive insurance, income and employment verification, and a first payment of at least 30.1%.

      Program for constructing a residential building by contractor organizations approved by the bank.

      Loan amount — up to 60 million rubles (for Moscow, Saint Petersburg, Moscow Region, Leningrad Region); up to 30 million rubles (for other regions); up to 100 million rubles (when purchasing a house under a shared participation agreement with certain developers: LLC “Specialized Developer “Samolet-Dmitrov”; LLC “Z S “Mega-mekhta” in the Moscow region; LLC “Z S “Stroyrekonstruktsiya” in Ulyanovsk region).

      Loan currency — rubles. Loan term — from 1 to 30 years.

      Conditions are valid from August 5, 2025, until the bank amends the lending conditions.

      Evaluate your financial capabilities and risks. Review all loan conditions at vtb.ru.

      VTB Bank (Public Joint Stock Company) provides solely banking services. The bank has the right to refuse a loan without explanation. The bank grants loans if the borrower (co-borrower, if applicable) meets the bank’s requirements and has provided a complete set of necessary documents.

      VTB Bank (Public Joint Stock Company). General License of the Bank of Russia No. 1000. Advertisement.

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