The main direction in the bank’s activities is mortgage lending. Experts calculated that for the entire period of existence in the market, a credit institution provided about 45 thousand loans, totaling over 95 billion for a total. rubles. The bank management was not accidentally stopped at Bashkortostan. Having analyzed all the macroeconomic and social indicators, as well as the huge industrial potential of the region, the Bank’s board reached this region. In addition, Bashkiria is in the 12th place in Russia in terms of the volume of the mortgage market, which undoubtedly adds great interest from the bank to this region. According to existing forecasts, the volume of the mortgage market in the republic for 2018 will reach an amount of 20.7 billion rubles. In the mortgage market, Bashkiria, Deltacredit, plans to master about 5%, said the regional director of the capital’s branch Olga Sadykova. A credit institution intends to achieve such a result by issuing mortgage loans at fairly low interest rates that will start from 10% in national currency and from 7.25% dollars (USA). For the current year, the branch expects to issue loans in the amount of over 175 million. rubles. Deltacredit Bank is a transparent credit organization, which is owned by the foreign financial group Societe Generale. The sale of banking products is carried out in two ways: through direct sales and using correspondent programs of partner banks. The presence of this bank should significantly help residents of the republic in resolving housing issues. The amount of the loan portfolio of the Deltacredit bank has 62 billion. rubles. The growth level for 2017 exceeded 20%. Today it is one of the highestly profitable banks in the country. The volume of loans issued for 2017 was 21mLrd. rubles, however, in 2018, the bank plans to raise this indicator 1.5 times and bring a value to 33.5 billion. rubles. The category of customers of the bank mainly consists of those borrowers who do not purchase housing for the first time, but simply want to improve existing housing conditions. In leading lending programs, the initial contribution volume is more than 30%, but, given the market conditions in 2011, the bank added several programs with a contribution of up to 5%.
