Sberbank currently currently starts at 9.5 percent in rubles and 8.8 percent in foreign currency. “According to the Central Bank, the weighted average rate on loans in rubles provided in the middle of summer amounted to 11.9 percent, which is the minimum value in recent years. In the middle of last year, loans were issued on average at a rate of 13.2 percent, and in December 2010 — 12.6 percent. Based on these data, it is easy to conclude that the mortgage rate is actively reduced, ”says the manager for working with partners and enterprises of Sberbank of Russia, Gennady Luzgin.