The Central Bank told about the increasing number of negative schemes of banks with mortgages

Some banks are now resorting to various mortgage schemes, the Central Bank's press service told Izvestia. They added: some players offer a minimum down payment of 20.1%, as established by the terms of state programs, only if the apartment is purchased from an accredited developer. And this implies the presence of a commission.

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Also, some banks apply a very high rate to the market part of the loan issued under combo programs with state support, the regulator said. It emphasized that such practices have become widespread recently.

"My colleagues from the Central Bank and I are fighting such cases. We are looking to make sure there are no unfair practices. We do not like extreme practices, when the market part of the mortgage is issued at 100%, and the preferential at 6%," said Deputy Finance Minister Ivan Chebeskov.

So financial organizations seek to increase the margins of mortgages, explained in the press service of the Central Bank. That is why banks are quite active in offering borrowers housing loans with a commission from the developer with a simultaneous overestimation of the cost of real estate. However, because of such practices are growing borrower's expenses on the mortgage, emphasized in the regulator. And it may occur in an implicit form for the client, when he is not able to adequately assess the risks.

Read more in the exclusive material "Izvestia":

Without a sense of meter: banks began to scoop up mortgage rates up to 100%