The fact is that such an offer is a marketing ploy. The developer enters into an agreement with the bank on an extremely low rate in exchange for a commission. That is, the price of housing is increased by two to three million, and after the sale, the difference is given to the bank, and thus he earns.
However, experts explain: such a system is dangerous for the market. Firstly, the new owner overpays for the apartment. Secondly, due to such attractive rates, the demand for mortgages in other banks that operate openly is falling. Thirdly, having received a mortgage with a low rate, the client does not seek to close the loan ahead of time, which means that the bank risks losing its money.
To deal with the consequences, the regulator may oblige banks to keep more money in reserve to cover possible damage, and this is simply unprofitable for organizations.
