Bank DOM.RF, as part of a joint project with the Tochka bank for entrepreneurs and enterprises, issued the first business mortgage for the purchase of commercial real estate. A loan in the amount of 18 million rubles was received by a client from the Moscow region working in the wholesale trade sector.
Thanks to interbank integration, Tochka clients (individual entrepreneurs and LLCs) can apply for a business mortgage from Bank DOM.RF in its Internet bank.
“Our joint project with Tochka erases the boundaries of lending, opening up new business opportunities: we have provided easy access to products not only to our clients, but also to our partners’ clients, collecting all offers for them in one place. It’s great that such a technological bank is helping us with this, with which Bank DOM.RF is now working in several areas: since its launch, 800 applications for express loans worth 867 million rubles have already been approved and a positive decision has been made on 21 borrowers in the amount of 278 million rubles for business mortgages. Thus, we have shown that synergy, joining forces and openness to cooperation can provide the market with new unique solutions, contributing to the development of entrepreneurship in Russia,” said Anna Kornelyuk, director of the Small and Medium Business division of DOM.RF Bank.
The minimum loan amount under the program is 1 million rubles, the maximum is 500 million rubles with an initial payment of 15%. The maximum term of a business mortgage is 180 months.
“We continue to develop the line of joint digital financial products of Bank DOM.RF and Tochka. We previously introduced an end-to-end lending product using a QR code to the market, and it is in great demand — we see this from the number of applications received by the bank. We have now prepared a new solution — a mortgage for non-residential real estate. Thus, we continue to expand the palette of effective financial instruments for small and medium-sized businesses, which form the basis of the client base of our colleagues from Tochka. We are confident that our cooperation will contribute to the further development and implementation of innovative fintech solutions in the field of financial services for entrepreneurs,” said Oleg Komlik, Director of the Digital Division of DOM.RF Bank.
“ Together with Bank DOM.RF we continue to develop the concept of multibanking, when a client of one bank can receive the services of another. You can only get a business mortgage for the purchase of commercial real estate. At the same time, it is important that it be on the territory of the Russian Federation. Individual entrepreneurs and legal entities that have been running a break-even business for at least 12 months can apply for a business mortgage,” explains Anton Shkuratov, director of new business development at Tochka.
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