Tinkoff Bank may start issuing mortgages itself in late summer or early fall. It is already available to employees of the group of companies. The bank is not going to enter the market "by leaps and bounds" and immediately issue a large volume of mortgages. First a small portfolio will be formed, tests will be made and only after that the decision on how to scale this business will be made. The bank also does not plan to join the subsidized mortgage programs, but as soon as it gets the first results in this segment, it will look into the possibility.