A differentiated approach: the preferential mortgage rate will be linked to the number of children

Translation. Region: Russian Federal

Source: Mainfin Bank –

An important disclaimer is at the bottom of this article.

How does the Family Mortgage program work now?

Mortgage program The program for state support for families with children has been in operation in the Russian Federation for over seven years, and the terms have been adjusted several times. Thus, in 2025, the following people can apply for a loan:

at a preferential rate of 6% (standard mortgages are issued at 17% per annum and higher); if the family has at least one child under the age of six (or a child with disabilities under the age of 18); the down payment must be at least 20%; the loan amount is 12 million rubles in Moscow and the Moscow region, St. Petersburg and the Moscow region, 6 million rubles in other regions; housing can only be purchased in new buildings or on the secondary market in regions where there are no apartment buildings under construction.

"The preferential program has led to a doubling of real estate prices over five years, while construction volumes have only increased by 10% during this period," the head of the Central Bank of the Russian Federation stated regarding the downsides of state support.

Family mortgage The program is valid until 2030, but may be extended in the future, as it has been on several occasions. This benefit is aimed at stimulating the birth rate and providing opportunities for families in need to improve their housing conditions.

What changes to preferential mortgages are the authorities proposing?

The State Duma has instructed the Ministry of Finance and the Ministry of Construction to jointly develop changes to the terms of the Family Mortgage program. It is expected that the authorities will implement the following lending terms under the state-supported program:

The interest rate will be differentiated and linked to the number of children in the family; upon the birth of a new child, the rate will be automatically reduced; the minimum area of apartments available for purchase will be limited to 35 square meters; the possibility of linking rates to the region of residence and the size of the federal subject is also being considered.

The possibility of banning preferential mortgages outside the region of registration is also being discussed. This debate stems from the fact that 40% of loans were taken out by borrowers in Moscow and St. Petersburg, as housing construction is not taking place in smaller towns.

09:00 09/23/2025

Source:

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

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From October 1, 2025, new conditions for tariffs and service packages for settlement and cash services for legal entities and individual entrepreneurs will be introduced.

Translation. Region: Russian Federal

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Dear customers!

Effective October 1, 2025, Solid Bank JSC will introduce a new version of its terms and conditions for RKO tariffs and service packages for legal entities and individual entrepreneurs across all regions where it operates.

Main changes – the date for charging the account maintenance fee / Service Package Fee has been changed.

– until October 1, 2025 – the commission is written off on the last working day of the month

– from October 1, 2025 – the commission will be written off in advance on the first business day of each month.

Please note,

– the commission for September will be written off on September 30, 2025

– the commission for October will be written off on October 1, 2025

For more information on other changes, see the Tariff Collections in the section “Tariffs and documents» on the Bank's website.

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

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From September 24, 2025, Solid Bank JSC will increase interest rates on deposits for legal entities in rubles.

Translation. Region: Russian Federal

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Dear customers!

From September 24, 2025, Solid Bank JSC introduces a new version of the Terms and Conditions for deposits in Russian rubles for legal entities.

Interest rates on deposits have been increased. The maximum rate will be 15.1%.

Choose a convenient deposit term from 1 day.

Minimum amount from 100,000 rubles.

More informationHere(in the List of Documents section at the bottom of the page, “Collection of conditions, interest rates, and deposit passports for small and medium-sized business clients of Solid Bank JSC in rubles – from September 24, 2025”)

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

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Despite Western pressure, China's debt market will be opened to Russian companies.

Translation. Region: Russian Federal

Source: Mainfin Bank –

An important disclaimer is at the bottom of this article.

Why did China decide to bring Russian players back into the debt market?

The initiative to enter the Chinese debt market came from Russia, with Beijing supporting the strengthening of economic ties. Moreover, the leaders of the two countries noted that Russian-Chinese relations are currently at a high level, serving as a model of international cooperation.

Discussions on future deals took place at the end of August, with representatives of China's regulator and Russian top management participating. Russia's entry into the bond market will allow domestic businesses to regain access to the global financial arena, while the Chinese side will have the opportunity to invest in the real sector of the economy.

What is known about Russian businesses' plans to enter the Chinese bond market?

The Russian and Chinese sides confirm the agreement reached, but have not yet disclosed the details of the agreement, about which little is known:

China plans to open its domestic bond market to Russia; Russian businesses will be able to place panda bonds – debt obligations denominated in Chinese yuan. Major Russian companies will be key market participants. Representatives of Rosatom and Gazprom, both companies with high credit ratings, were among the first to express interest in the deals.

"The revival of the bond market is associated with the risk of secondary sanctions against Chinese banks – Western pressure remains significant," lawyers express concerns.

As a reminder, the US previously threatened to impose sanctions on companies and entities cooperating with Russia. For this reason, many Chinese banks refused to conduct transactions with Russian counterparties, and Russian borrowers were cut off from international stock markets.

10:00 09/16/2025

Source:

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

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Card for spending with 3% cashback on everything!

Translation. Region: Russian Federal

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Now it has become more profitable to pay for purchases with our cards! Solid Bank has launched a debit card for everyday spending, within the framework of which clients receive a 3% cashback on all purchases.

More details about the conditions:

• card issue is free,

• service is free,

• SMS, push notifications – free,

• Internet banking for card management,

• cash withdrawal from ATMs of third-party banks – free of charge,

• accrual of 11% per annum on the account balance,

• cashback in rubles – 3% on everything*,

• limits on cash withdrawals from ATMs and cash points: 300,000₽/day, 1 million ₽/month,

• issue of up to 3 additional children's cards with 10% cashback on selected categories – free of charge.

*MCC exceptions to which cashback does not apply:

6011 – Financial Institutions — Automatic Cash Withdrawals6012 – Financial Institutions — Trade and Services6538 – Card-to-Card Money Transfers — Write-off6010 – Financial Institutions — Cash Advances6536 – Card-to-Card Money Transfers — Crediting (within the Country)4900 – Housing and Utilities9311 – Tax Payments5933 – Pawn Shops4899 – Cable and Other Pay TV Services9222 – Fines8661 – Religious Organizations6051 – Quasi-Cash — Non-Financial Institutions5973 – Religious Goods Stores4814 – Telecommunication Services6211 – Securities Brokerage Services4829 – Money Transfers7995 – Gambling

Make out A solid card and get cash back for every purchase!

There is some more useful information at these links:

We answer nand the most frequently asked questions about cashback on the Solid card

Launched a children's card with cashback up to 10% 

Launched instant Solid card 

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Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

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We answer the most frequently asked questions about cashback on the Solid card

Translation. Region: Russian Federal

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Dear customers, we answer the most pressing questions about cashback on the Solid card.

Is there a minimum purchase amount to receive cashback?

No, there is no minimum amount. Cashback will be credited for a purchase of 1 ruble. The main thing is that the purchase is not included in the MCC exception.

What are the MCC exceptions?

6011 – Financial institutions – Automatic cash withdrawals

6012 – Financial Institutions – Trade and Services

6538 – money transfers from card to card – write-off

6010 – Financial institutions – cash advances

6536 – Card to card money transfers – crediting (within the country)

4900 – Housing and communal services

9311 – tax payments

5933 – pawnshops

4899 – Cable and other pay television services

9222 – fines

8661 – religious organizations

6051 – Quasi-Cash – Non-financial institutions

5973 – Religious goods stores

4814 – Telecommunication services

6211 – services of brokers in the securities market

4829 – money transfers

7995 – gambling

Is the purchase amount rounded?

No, the purchase amount is not rounded.

Is the amount of cashback accrued rounded?

No, it is not rounded. Cashback for purchases is accrued in the amount to the kopeck.

Is cashback accrued upon authorization or upon write-off?

Accrual is made on the date of debiting. Let us explain: transactions on the client's account are not received and processed immediately, but on average within 1-3 days after the purchase. Therefore, some transactions that the client makes at the end of the month are subject to cashback accrual already in the next period.

When is cashback paid?

Cashback is paid to the card account in a lump sum, no later than the 10th working day of the following month. Cashback is paid only on bank working days.

Is it possible to check how cashback was calculated for the month?

Yes, the client can request a cashback report and account statement.

Where can I request this data?

To do this, you can leave a request on the bank's hotline: 8 800 775 56 06 (free call within the Russian Federation),

Write a request to the Customer Support Center by mail: CCP@soolidbank.ru,

Оставить обращение в нашем мобильном приложении SolidPAY: нажмите в нижнем меню кнопку «Еще» >> fill out the form "Suggestions and Feedback".

We will generate a report or statement and send it to the application. You can find it by clicking on the bell in the upper right corner of the main screen.

Requests may be processed within 1-2 business days. We will not ignore your requests and will definitely return with answers.

What to do if cashback has not arrived?

Contact the bank in any convenient way. We will sort out the situation within 24 hours.

Where can I find the full terms and conditions for the Solid Card?

You can find a detailed tariff plan for the card on the bank’s website: HTTPS: // SOOLIDBANK.RU/rates/. Select the Collection of tariffs for issuing and servicing bank cards from 09/12/2025.

I was connected to the “Solid Card” tariff instead of the archived tariff from 01.09.2025. When will I receive my cashback?

At the end of August 2025, the bank notified its clients about archiving some of the outdated tariffs via SMS: “JSC Solid Bank: From 01.09.25, archived tariff cards will switch to the Solid Card tariff plan – a free card with % on the balance and cashback. If you want to refuse the new, more advantageous tariff plan and keep the current conditions, please contact the bank’s office before 01.09.25. Tariff conditions https: // Solidbank.ru/rates/“ . The new tariff applies to transactions from 01.09.2025, accordingly, the first cashback under the new tariff will be accrued for September within 10 working days of October.

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Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

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On the introduction of a new version of the Regulations on trust management of securities and investment funds in securities

Translation. Region: Russian Federal

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Dear customers!

We inform you that from October 1, 2025, a new version of the Regulations on trust management of securities and investment funds in securities (hereinafter referred to as the Regulations) will come into force in JSC Solid Bank.

The full text of the document can be found at the link HTTPS: // SOOLIDBANK.ru/investment-Service.

The changes affected the term of the trust management agreement, the conditions and procedure for determining the actual risk of the client (Section 13), the methodology for determining the client's investment profile, as well as the forms of questionnaires for determining the client's investment profile (Section 12 of the Regulations, Appendix 14 to the Regulations). The information in the Risk Declaration has been supplemented (Appendices to the Regulations 6a, 6b, 6c).

Please note that service rates remain the same.

For any questions regarding this notice, please call: 7 (495) 644 40 47.

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Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

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New conditions for deposits in Solid Bank

Translation. Region: Russian Federal

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

In September, Solid Bank updated the terms of deposits for individuals. Now depositors have access to updated interest rates:

• Branded deposit “Solid” with capitalization for 2 years – up to 13.78% per annum.

• Short-term deposit for six months “Stable interest” – up to 14.8% per annum.

• Deposit with an increased rate for pensioners “Pension” – up to 16.54% per annum with capitalization.

• Deposit with preferential early closure “Promising” – up to 12.3% per annum.

• Serious “VIP” contribution with a contribution of 5 million rubles – 14% per annum.

• Targeted contribution for the benefit of a minor “Children’s” – the rate is equal to the Key rate, at the moment the minimum guaranteed rate is 23.18% with capitalization.

New offers for investors have also been added to the line:

• Seasonal deposit for 3 months “Golden Autumn” – up to 15.8% per annum.

• “Double Benefit” deposit with life insurance or a long-term savings program – for 91 days – up to 19% per annum, for 181 days – up to 20% per annum.

The line of deposits of Solid Bank is optimized for different goals of depositors. The conditions allow them to choose the most convenient and profitable option for placing savings.

Full terms and conditions for each deposit can be found on the bank's website. by link.

To open a deposit, please contact Solid Bank offices in 17 cities of Russia: Almetyevsk, Blagoveshchensk, Vladivostok, Yekaterinburg, Elizovo, Izhevsk, Irkutsk, Kazan, Krasnoyarsk, Moscow, Novosibirsk, Petropavlovsk-Kamchatsky, St. Petersburg, Tula, Ufa, Khabarovsk, Yakutsk.

Thank you for choosing Solid Bank!

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Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

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Solid Bank Appoints New Branch Manager in Kamchatka

Translation. Region: Russian Federal

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Solid Bank announced a new appointment to the position of Manager of the Kamchatka branch of JSC Solid Bank. This position was taken by Yuri Vasilyevich Tsukanov.

“We are confident that the professional experience and management skills of Yuri Vasilyevich will allow us to effectively develop the branch and strengthen our position in Kamchatka,” commented Igor Vyacheslavovich Vozisov, Chairman of the Board of JSC Solid Bank.

The new manager has many years of experience in the financial sector. Previously, he held the position of manager in one of the banks represented in the region, and is the Chairman of the Public Expert Council of the Kamchatka Territory on Economic Policy and Finance. Thanks to his professional expertise, knowledge of the market in the region, and understanding of the specifics of the region, Yuri Vasilyevich will help strengthen the position of Solid Bank in Kamchatka and develop its client base.

Solid Bank is a dynamically developing bank, a reliable partner in the world of finance and economic relations. It provides a wide range of banking services for individual and corporate clients of various forms of ownership and types of activity. The bank recently opened a Kamchatka branch in Petropavlovsk-Kamchatsky at the address: Lukashevsky St., 11. This allowed it to finally gain a foothold in the region.

Earlier, the bank stated that opening a branch in Kamchatka was a fundamental decision, and that the bank wanted to contribute to the development of its native region. The bank stated that its goals in Kamchatka were to strengthen its position in the region, expand the range of services for corporate and private clients, and increase capital and the volume of banking business.

The key areas of activity for the manager will be: development and strengthening of the bank and its products in the region, operational management, attracting business and government to strategic cooperation, and expanding the client base.

Yuri Vasilyevich has already started to perform his duties. A business meeting was held between Yuri Vasilyevich Tsukanov, the new Manager of the Kamchatka branch of JSC Solid Bank, and Marina Sergeevna Pyzhyanova, Manager of the Eastern Directorate of JSC Solid Bank, with the Minister of Finance of Kamchatka Krai, Aleksandr Nikolayevich Butylin. The purpose of the meeting was to discuss plans and prospects for further cooperation.

"For me, this is a responsible but interesting task. I intend to focus on developing the bank's relations with reliable partners from various industries, on interaction with the government, on improving the quality of customer service. There is a lot of work ahead," Yuri Tsukanov himself shared.

Reference information

JSC Solid Bank is a universal commercial bank founded in 1991 in Kamchatka. In 2017, the head office was moved to Vladivostok. The bank's offices are located throughout the country: in the Far Eastern Federal District, Siberian Federal District, Tatarstan, Udmurtia, Bashkiria, Moscow, Tula, Yekaterinburg, and St. Petersburg. Most of the offices are located in the Far East. For over 30 years, JSC Solid Bank has been providing a full range of services to businesses and private clients. General license of the Central Bank of the Russian Federation No. 1329 dated May 25, 2017.

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Launched a new deposit for 3 months with an increased rate

Translation. Region: Russian Federal

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Solid Bank has updated its line of deposits for individuals, adding a new seasonal offer – the “Golden Autumn” deposit. The bank’s seasonal offers contain conditions that allow depositors to receive quick income from their savings.

The interest rate offered for 3 months is 15.5% per annum. The rate may be higher – 15.8% per annum if the client is a holder of a debit card under the TP "Solid PRIME", TP "Salary".

More about the deposit terms:

• Amount – from 30,000₽ to 5 million₽.

• Base rate – 15.5% per annum.

• Duration – 91 days.

• Interest payment – at the end of the deposit term.

• Replenishment – not provided.

• Extension – not provided.

Full terms and conditions are available on the bank's website.

To open a deposit, please contact Solid Bank offices in 17 cities of Russia: Almetyevsk, Blagoveshchensk, Vladivostok, Yekaterinburg, Elizovo, Izhevsk, Irkutsk, Kazan, Krasnoyarsk, Moscow, Novosibirsk, Petropavlovsk-Kamchatsky, St. Petersburg, Tula, Ufa, Khabarovsk, Yakutsk.

You can ask questions on the hotline at: 8 800 775 56 06 (free for calls within Russia) or in the official community on VKontakte.

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Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

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