Who benefits from corporate mortgage program

This year, the market appeared first corporate mortgage program. Using the service, business leaders can help their employees improve their living conditions, in return for their loyalty and enthusiasm for work. Banks such a scheme can significantly increase its mortgage portfolio and get more money back guarantee. Buy something in bulk is always cheaper than retail. Including apartments on credit. If one of several employees decide to take a mortgage, it is better to do it together, in one bank, and is a corporate client who is the employer. Even if the bank is not a special corporate program. Although our bank has no special programs for corporations, mortgage, corporate employees IMB may have a number of benefits in obtaining a loan, - says head of retail products and services of International Moscow Bank Alexey Aksenov. - In particular, they should pay the mortgage with a reduced commission for arranging the loan (only 0.5% of the total). Interest on the loan in this case will be 0.5% smaller than standard. But the bank "Revival", as the deputy head of retail banking operations Malaychik Marina, and is willing to work with large corporations who are not clients of the bank. "Right now is the real work of mortgage lending in the social program of JSC" RZD "and Mostransavto (Moscow Region), pending an agreement between the Bank" Revival "and the group of" GAS ", - says Marina Malaychik. - Of course, for their partners we can offer preferential lending terms - it reduced the interest rate, reduced the fees for the issuance of mortgage credit, reducing the duration of the application and abbreviated list of documents to the borrower. " According to Vasily Belov, general director of "FOSBORN HOME" today special corporate mortgage program offers about 5-7 banks. And their number will grow. For example, in the fall is going to run this program "Urban client" bank initiated the development of individual enterprise mortgage lending programs for businesses Gazenergoprombank. Bankers argue that the demand for corporate programs are, and especially, says Tatiana Schwab, director of the National Mortgage Bank "TRUST" on the regional market, where the focus strategic industrial resource and large corporations operate. Interest in the heads of these corporations is clear: with the help of such programs can simultaneously solve the housing problems of employees and increase their loyalty. It is much more profitable than to provide staff accommodation for corporate money. Even more advantageous is the scheme where the bank finances the construction of housing for employees of the corporation and will issue a mortgage to purchase this home. "Given the difficult situation in the primary real estate market because of the large number of defrauded real estate investors, a number of very dubious reputation of developers and investors a way of mortgage lending housing under construction is the most probable, - says Dmitry Mamontov, deputy head of retail business lending TransCreditBank. - Rates on such loans will be minimal possible for the bank, and this naturally contributes to the development of the mortgage as well as increase the volume of construction. " Of course, a small company can not build a house for their employees, but large corporations is available. "We are seeing strong interest from large enterprises to projects such as the schemes used by companies before, for example, issuing loans to employees at no cost to the cost of housing, provision of free housing, obliging the latter to divert traffic from the major funds for to provide housing for their employees and keep them in the enterprise, - says Marina Malaychik. - In addition, the company is able to lend to employees on preferential terms, and, finally, to build frames for your business, giving its employees the opportunity to receive monthly compensation from the company of the payment on the loan for as long as it runs a citizen. " Such a scheme finds interesting, because it reduces "the risk of the builder," and Dmitry Yaremenko, Head of Retail Lending "City client" of the bank. "We're going to organize such programs - he said. - In addition, the bank reduces its risk by clarity and transparency of the borrower's income." But under such a scheme work in banks there are other risks. Dmitry Yaremenko notes that the possible increased risk due to the fact that a group of borrowers income is obtained in one place, and Dmitri Mamontov believes that the risks may be associated with a systemic crisis of industries that provide services to large corporate customers of the bank.