"THE HOUSE.RF" and "Sber" have agreed on a joint issue of mortgage bonds

house.RF and Sber have agreed to securitize the bank's mortgage loan portfolio for 3 trillion rubles on the DOM platform.Russia until the end of 2030, the press service of DOM.RF reported. The memorandum was signed on the sidelines of SPIEF 2026 by the CEO of DOM.Vitaly Mutko of the Russian Federation and Herman Gref, President and Chairman of the Management Board of Sberbank.

The parties also plan to jointly improve the infrastructure for issuing mortgage-backed securities, develop financing tools for individual housing construction for further securitization of such loans, introduce artificial intelligence technologies to improve the analysis and evaluation of mortgage loans, and improve mortgage securitization processes.

"The signed agreement secures the HOUSE.The Russian Federation has the status of a leader in the mortgage securitization market in Russia. We are creating conditions for banks to integrate the issue of mortgage-backed securities as a mandatory element of a full-fledged mortgage business cycle. In the long term, this increases the availability of mortgages for citizens, as well as preserves the efficiency and stability of the banking system. Sberbank is a long—term strategic partner of DOM.The Russian Federation is implementing ambitious plans for the development of the mortgage securities market. The memorandum sets the vector for our further cooperation," said Vitaly Mutko.

Since 2017, the HOUSE.The Russian Federation and Sber have placed 19 issues of mortgage bonds with DOM guarantees.The Russian Federation has a total volume of more than 1.62 trillion rubles. Sber accounts for about 50% of mortgage-backed HOME bonds.The Russian Federation is in circulation.

"Our partnership with DOM.The Russian Federation is developing dynamically. We are aiming for a very large issue of mortgage-backed securities totaling up to three trillion rubles. Together with our partners, we are developing and implementing modern financial instruments that, I am convinced, will have a positive impact on the residential real estate market, the volume of loans to borrowers and the pace of housing construction," commented German Gref.