PSB lowered the rates on the basic mortgage

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The PSB lowered rates by 0.4 percentage points for the classic Secondary Market mortgage program, and also improved conditions for military mortgages and refinancing programs.

According to the bank's press service, a loan for the purchase of an apartment under the Secondary Market program can now be issued at a rate of 17.79%. For the purchase of real estate in Moscow, St. Petersburg, the Moscow and Leningrad regions, in the Krasnodar Territory, the maximum loan amount is 50 million rubles, for other regions - 25 million rubles. The initial payment is at least 20.01% of the cost of housing.

Under the military mortgage programs for the purchase of primary and secondary housing, the rate has been reduced to 17.1% per annum for holders of PSB salary cards, and to 18.1% for other clients. The maximum loan amount has been increased to 2.23 million rubles.

Under refinancing programs, the rate was lowered to 17.69% per annum, the maximum loan amount is 20 million rubles, and the term is up to 30 years.

"We are witnessing a steady trend towards restoring demand for classic mortgage programs. This is not a temporary phenomenon, but a systemic trend that is formed under the influence of two factors: a consistent reduction in the key rate and the realization of pent-up demand. At the same time, we are seeing an increase in refinancing requests from those who applied for mortgages at the peak of interest rates. Such borrowers today have the opportunity to significantly reduce the monthly payment or loan term," said Marina Zabotina, Director of the Mortgage Business Department at PSB.

The mortgage program "Secondary market". UCS from 18.511% to 25.931%. The rate of 17.79% per annum is applied to employees of the military-industrial complex, holders of salary cards of the bank, customers of the Orange Premium Club premium package, partners of the Platinum segment, military retirees receiving a military pension on a card or an account opened with a bank; for individuals registered as individual entrepreneurs and (or) business owners the rate is 18.49%, for other categories of clients the rate is 18.39% per annum. The rates apply when purchasing an apartment in the territory of the Russian Federation, with the exception of the DPR, LPR, Kherson and Zaporizhia regions. When purchasing an apartment in the territory of the DPR, LPR, Kherson and Zaporizhia regions, the rate is 20.20% for individuals registered as individual entrepreneurs and (or) business owners, and 19.90% for other categories of clients. The rates are applied subject to the borrower's choice of loan terms with insurance. The minimum loan amount is 1 million rubles. The maximum loan amount is 50 million rubles for facilities located in Moscow, Moscow Region, St. Petersburg, Leningrad Region, Krasnodar Territory, and up to 25 million rubles for facilities located in other regions of the Russian Federation. The initial payment is from 20.01 to 80% (including both values) of the value of the purchased property. The loan term is from 3 to 30 years. Lending with an initial payment of 0-20% (including 20%) is possible only for holders of the bank's salary cards who are employees of organizations of the military-industrial complex that meet the bank's requirements, the interest rate is 18.49% per annum, subject to insurance. Lending to individuals registered as sole proprietors and/or business owners is carried out with an initial contribution of 40.01-80% (including both values). When purchasing an apartment with a terrace, the initial payment is from 30.01-80% (including both values).

"New building. Military mortgage", "Secondary market. Military mortgage". UC from 17.168 to 25.931%. The interest rate of 17.1% per annum is applied under the "New Building. Military mortgage", "Secondary market. Military mortgage" for holders of salary cards of the bank. For other clients, the interest rate is 18.1%. The minimum loan amount is from 10% of the value specified in the purchase agreement. The maximum loan amount is up to 2,230,000 rubles. The initial payment is from 0 to 90%, including both values. When purchasing an apartment with a terrace, the initial payment is from 30.01-90% (including both values). The loan term is from 12 to 300 months, but not more than the deadline for reaching the age limit for military service and (or) the expiration date of the new contract. The borrower must be a participant in the accumulative mortgage system.

Mortgage refinancing program. UCS from 20.521% to 33.256%. The rate of 17.69% per annum is applied to employees of state and budgetary organizations, as well as enterprises of the military-industrial complex, who are the bank's salary clients, when refinancing loans previously received for the purchase of ready-made / under construction housing. The rate is applied if there is insurance and the borrower submits a mortgage agreement, a pledge agreement with a note on the state registration of the mortgage pledge in favor of the PSB. Before the registration of the lien in favor of the PSB, the rate increases by 2.00%. For other categories of clients, the rate increases by 0.10%. The loan amount is from 1 million to 20 million rubles, but not more than the balance of the principal debt on the refinanced loan. The loan term is from 36 to 360 months.

Detailed information about the conditions of granting and repayment of a mortgage loan, as well as the requirements for borrowers, can be found on the website www.psbank.ru or by calling the call center at 8 800 333 78 90 (around the clock, toll-free in Russia). It is not a public offer. The Bank has the right to refuse to issue a loan without explaining the reasons. The information is current as of 07/09/2026. PJSC PSB Bank, universal license of the Central Bank of the Russian Federation for banking operations with funds in rubles and foreign currency (with the right to attract funds from individuals to deposits) and for banking operations with precious metals dated April 1, 2025 No. 3251.