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Concessional lending to developers

State program for reimbursing credit institutions for lost income on loans issued for the implementation of housing projects.
Until August 14, applications are accepted for reimbursement of foregone income. Learn more

Concessional lending program for developers

The program allows lenders to receive a monthly reimbursement of lost income in the amount of the difference between the interest rate that was established under the loan agreement and the key rate of the Bank of Russia in effect on the day the reimbursement is provided.

JSC "DOM.RF" pays creditors for lost income in case of a positive decision by the Interdepartmental Commission.

01.05.2020

deadline for concluding a loan agreement

Sustaining the same number

of employees involved in the implementation of a housing project

Subsidized rates

carried out until 31.12.2021 (inclusive)

For developers

Conditions for developers:

  • Not in the process of reorganization, liquidation, bankruptcy
  • Has no overdue tax arrears and other payments to the budgets of the budgetary system of the Russian Federation (as of 01.05.2020)
  • There are no debts for the repayment of the principal debt and the payment of accrued interest.
  • Throughout the program maintains the number of employees involved in the implementation of the housing project.
  • There are no housing projects included in the unified register of problem objects.
  • Commissioning of all objects under construction under housing projects following the terms of commissioning in 2020-2021

Answers on questions

  • Are all banks involved in the implementation of the program?
    There are no restrictions on credit institutions.
    Participation in the program can be accepted by any credit institutions that have loan agreements that satisfy all the conditions of the schedule specified in the Rules of the Decree of the Government of the Russian Federation No. 629 dated April 30, 202“ “On approval of the Rules for reimbursing credit institutions for lost income on loans issued for tto selling construction project“ ".
  • What documents are required to obtain a loan for the program?
    The documents for concluding a loan agreement are determined by the conditions formed by the credit institution.
    Однако для участия в субсидировании ставки необходимо заключить договор до 01.05.2020.
  • How long will the program last?
    Reimbursement of lost income is carried out in monthly payments from the date of the decision to pay compensation until December 31, 2021 (inclusive).
  • Where to apply for payment?
    To receive a monthly payment under the program of a credit institution, it is necessary to submit a set of documents through the Unified Information System for Housing Construction (UISHC) for consideration by the Interdepartmental Commission.
    JSC DOM.RF, in case of a favourable decision by the Interdepartmental Commission, provides a monthly subsidy to reimburse lost income to creditors - participants of the program.
  • On what grounds can a refund be denied?
    The decision on the implementation of reimbursement under the program, both positive and negative, is taken by the Interdepartmental Commission.
    Refusal to provide compensation is accepted if the creditor fails to submit the documents and / or information specified in paragraph 6 of the Rules of the Decree of the Government of the Russian Federation of April 30, 2020 No. 629.
    The adoption of an unfavourable decision by the Interdepartmental Commission does not prevent the credit institution from re-applying to participate in the program.

For lenders

The exchange of information and documents between credit institutions and JSC "DOM.RF" is carried out using . a unified information system for housing construction. You can find more detailed information about the system in the attached documents

Five steps to get a refund

01

Application for access
to the UISHC

02

Registration of
an enhanced
qualified electronic
signature

03

Formation
of a set of
documents

04

Confirmation from
the Interdepartmental
Commission

05

Payment of funds
from DOM.RF

Application for access to the UISHC

Оформление УКЭП

  • Issue a power of attorney for an employee who will sign applications for reimbursement of lost income
  • Apply to the certification centre to issue an electronic signature

Formation of a set of documents

  • Prepare documents and certificates following the requirements of Resolution No. 629 dated 30.04.2020
  • Sign a set of documents with a detached electronic signature

Confirmation from the Interdepartmental Commission

  • The claim for reimbursement must be submitted to the Interdepartmental Commission through the UISHC
  • The decision on the possibility of payment of compensation is made at a meeting of the Interdepartmental Commission

Payment of funds from DOM.RF

  • In case of a positive decision, an agreement is concluded in the UISHCbetween the lender and DOM.RF

A question on concessional lending to developers can be asked to the address of the consulting center of JSC DOM.RF by the hotline number or by e-mail.