Social mortgage: military, mortgage for a young family, state employees - conditions and procedure for obtaining + TOP-10 banks providing preferential mortgages

Talk today about social mortgage lending, including on a military mortgage, as well as preferential, designed to help young families and public sector specialists.

After reading the publication, you will learn:

• What is a social mortgage;
• Which categories of citizens have the opportunity to take advantage of a preferential mortgage;
• How to take a social mortgage to improve the living conditions of a young family;
• For whom is the military mortgage intended and how can I arrange it;
• All about the mortgage for state employees - young professionals: teachers, doctors, etc.

Also at the end you will find answers to frequently asked questions.

The presented publication will be useful to those who are looking for the most profitable options for obtaining mortgage loans. In addition, it will be useful to get acquainted with it for those who are making efforts to increase their own financial literacy.

What is a social mortgage, how can you take it to a young family, for whom is a military mortgage intended, and what are the conditions for preferential mortgages for young public sector professionals? We will tell in this issue

1. What is a social (preferential) mortgage and who can use it 👪

To get a mortgage, it is important to prove the bank a high level of solvency. However, not everyone has such an income. There is a way out - issue social mortgage loan. But such an opportunity is not available to everyone. Therefore, it is important to study all the features of this method.

The concept social mortgage combines various government programs whose purpose is to help create more favorable living conditions for certain privileged categories of citizens.

But it is worth keeping in mind that according to the program, the area can be increased exclusively within the framework of a certain norm. Today it is at the level of 18 square meters per person.

However, state programs do not imply improved living conditions for everyone, but only for certain categories of citizens. for example, such a right is military, state employees, young families. Maternal capital also constitutes a type of social support.

There are several possible forms of manifestation of state aid in a social mortgage:

1. cash subsidy that can be used to pay part of the amount needed to purchase residential real estate using a mortgage loan;
2. mortgage rate reduction;
3. the sale of certain real estate at a cost below market.

Applicants cannot independently choose which option of providing benefits for them is more acceptable. For each specific case, the method of state assistance is determined local authorities. Moreover, in different regions for the same category of citizens, assistance may be different.

Those who decide to apply for a social mortgage are subject to standard requirements from the lender. They must comply with the parameters they apply to place of registration, income level, citizenship and others.

However, from the state, a number of criteria are also presented to applicants for a social mortgage.The applicant must belong to one of the groups of citizens with the right to obtain such a loan. It can be military, students, working in budget organizations, young families.

Briefly consider the features of some programs.

1) Take advantage social mortgage lending for employees of budget organizations can several categories of citizens. To them can be reckoned, including, and military.

For each category in different regions, their benefits are provided. So, with a military mortgage, servicemen who have been serving for a certain number of years and have reached a certain rank, annually, funds are credited to a separate account from the state.

Subsequently, they can be used to make existing housing conditions better.

Since the availability and types of social programs for state employees depend on the region of the country, you can get complete information about them by contacting local authorities.

2) State Mortgage Program young families designed to help this category of Russians in creating more favorable living conditions. Usually, in accordance with the terms of this program, funds in the amount of 35% property value.

The subsidy received can be directed to purchase of housing, building a house, interest repaymentaccrued on a mortgage loan. In addition, these funds can be used to down payment when applying for a mortgage. About how to take a mortgage without a down payment, we wrote earlier in one of our articles.

Families that meet the following criteria can participate in this program.:

• the age of each spouse is not more than 35 years;
• if the family is incomplete, the parent must be under 35 years old and raise one or more children.

Families that meet these conditions must be registered as citizens who need to improvement of living conditions. Also a prerequisite is the presence of income, which will be enough to pay off the mortgage.

Summarizing the above, it can be noted that social mortgage involves helping people in need to improve their living conditions. But it should be borne in mind that it turns out only to certain categories of citizens that meet the stated criteria.

Do not forget that in different regions, social mortgages can vary. Therefore, it is advisable to contact the authorities at the place of residence in order to learn in detail all the features and nuances.

Further, social mortgages will be considered in more detail.

Conditions and procedure for obtaining a preferential mortgage loan to a young family

2. Social mortgage for a young family - conditions for obtaining in 2019 + instructions on how to take a mortgage for a young family under the state program 👩‍👧‍👦

For most people who are at the stage of creating a family, the question of buying their own housing is very difficult and practically unsolvable. That is why the state offers these categories of citizens the support.

Let us examine in more detail the features of state assistance to young families in obtaining and paying mortgages.

2.1. The principles of the mortgage lending program for young families

For young families in our country, buying a home is an urgent problem. There are not many ways to become the owner of your own apartment in Russia.

Accumulate the full amount for these purposes almost unrealistic. The reasons for this may be:

• the instability of the economic situation in the country;
• high level of prices (including real estate);
• regular devaluation of the Russian ruble;
• high inflation rate.

Do not forget that in most cases, young professionals who do not have sufficient experience cannot get a well-paid job. In such a situation, saving money for large purchases becomes difficult.

As a result, the only way to move into your own housing is to buy an apartment in a mortgage. An important help in this matter can be social program.

Social mortgage program "Young Family" - a tangible help when buying a home

Many believe that a mortgage has a huge number of shortcomings. The main ones are:

• serious requirements for borrowers;
• high interest rates that apply to Russian banks on mortgage loans;
• stringent conditions of mortgage agreements, which result in serious consequences for delays in payments;
• overpayments of huge size.

Despite the large number of minuses, mortgage loans have a number of advantages:

• a variety of mortgage programs;
• the opportunity to buy an apartment today without spending a huge amount of time accumulating;
• preferential credit conditions for youth.

It is about the benefits that should be known to all those who are just starting to live together. Young families should not forget about the opportunities offered to them by federal authorities.

The current assistance program in our country is called "Young family". Citizens participating in it receive the right to gratuitous assistance from the state. They can take advantage housing subsidies. At the same time, assistance can be used when registering a mortgage.

Those who decide to join the support program under consideration should understand that the state will not pay for completely new housing. But you can count on a fairly large amount, which is issued absolutely free of charge.

Naturally, the allocated money can be spent only for residential real estate, but program participants can choose their own spending direction.

You can spend subsidized funds:

1. as part of the capital needed to purchase housing in cash;
2. on independent construction of a residential building;
3. for housing loan contributions.

The duration of state assistance in the purchase of housing for young families is limited. FROM 2005 the year the project was in effect "Affordable housing for a young family"that ended in 2015 year. However, the government decided to slightly modify the program and extend it.

Today, its validity is limited. 2020 year. During the time allotted for the program, anyone who meets the requirements specified in the project can use the federal budget.

This is for the federal program. Additionally there is also regional projectsdeveloped by the authorities of Russian entities. In accordance with them, citizens belonging to the categories of young families are given the opportunity to receive one-time financial assistance, and also turns out free legal assistance if you wish to apply for a mortgage.

However, not only the state helps young families. Banking organizations also to attract customers develop various services for this category of citizens. You should not expect that such opportunities are provided absolutely free of charge.

Therefore, you should analyze the benefits and compare them with the emerging additional fees. Often in the process of analysis it turns out that all the same special banking programs for young families are more profitable.

Most often, for family citizens under the age of 35, banking organizations provide the following types of benefits:

• low down payment, which is sometimes completely absent;
• interest rate discount;
• in case of difficulties with making the next payment at the request of the borrower, a delay is granted without paying a fine.

Despite the fact that the mortgage has significant shortcomings and many scold it, it is more profitable than renting a house.

Don't forgetthat a mortgage loan is in any case finite. Therefore, when calculating for the long term, it will require less investment than continuous rental of residential premises.

In addition, unlike a rented one, a mortgage purchased apartment is owned by the borrower. Over time, the burden will also be removed from it.

Rent has a number of disadvantages:

• Firstly, over time, the owner may increase housing fees, while mortgage installments remain unchanged.
• Secondly, the owner, if desired, can evict the tenants.

Conditions for participation in the program Young Family

2.2. How to use a preferential mortgage for a young family - conditions of a mortgage “Young family”

To be eligible to use preferential mortgage, a young family should be participants in the relevant state program.

To get into the queue, you should send the relevant local authorities statement, to which are attached the documents indicated in the list required for participation in the program.

The application should not just express the desire of citizens to receive state assistance. Such an intention is necessarily justified by the presence of conditions allowing to count on participation in the program.

Those spouses whose age is no more than the right to enter the program of assistance to young families 35 years. Moreover, the presence of children is not a prerequisite.

The conditions under which the family is entitled to state assistance are as follows:

• spouses live in an apartment that is not in their property, but is rented;
• the family’s place of residence does not appear to be a full-fledged residential facility, the area of ​​which is such that the norm for one person is not achieved;
• own funds of a young family are not enough to make an initial payment on a mortgage loan;
• the applicants live in the same communal apartment as a sick person.

State programs aimed at improving housing conditions are implemented through a special organization called Agency for Housing Mortgage Lending. AHML units are located in every Russian region.

Banking organizations also lend to young families. However, the conditions put forward by credit organizations usually differ from those presented under state programs.

for example, at Sberbank to classify the family as young, the combined age of the two spouses is taken into account, and not each separately. To get in this bank under the mortgage program for young families, it is enough that the total age of the spouses did not exceed 70 years. That is, the criteria correspond, for example, to the family in which the husband 38and wife 30 years. At the same time, they no longer fall into the state program.

Naturally, in banks not only age requirements are presented to potential borrowers.

Among the main criteria that the applicant must meet, the following can be distinguished:

• permanent registration in the region of real estate acquisition for a long time (minimum 6 months);
• official, documented place of work;
• the last employer, each spouse must work at least six months;
• the availability of permanent sources of income;
• the size of the family budget should be such that the monthly payment on the mortgage does not exceed 50% From him.

Young husbands are often at military age. When registering a mortgage, you should consider that in this case in the absence of a military card will have to prove to the bank that the spouse’s income will be enough to make payments.

Thus, participating in a social program is not enough. It is also necessary that the family meets the criteria of a credit institution that will issue a mortgage. Even AHML does not give loans to those who do not have sufficient income.

In more detail about the conditions of mortgage lending, we wrote in one of the previous articles.

Step-by-step instructions on how to get a mortgage for a young family

2.3. How to take housing (house, apartment) in a mortgage for a young family - an algorithm of actions

It is only natural that far from all lending institutions issue mortgages to young families. Nevertheless, in each city it is quite possible to find such banks.

It should be understood that in order to obtain a mortgage loan with state support, you will have to make a number of specific actions:

1. Become a member of the program and receive confirmation of the right to state assistance;
2. Find a residential property that is suitable for the necessary parameters;
3. Find a bank that provides mortgage loans on favorable terms;
4. Prepare a package of documents for submission to a credit institution;
5. Registration of a mortgage, as well as transactions for the sale of an apartment.

Next, we consider each of these steps in detail.

Step 1. Entry into the state support program

For those who are making efforts to find the most profitable mortgage loan, an attempt to enter the state aid program is an ideal opportunity.

Therefore, a preparatory step for mortgage registration by a young family should be an appeal to local authorities.

It should be understood that even members of the assistance program there is no guarantee to receive subsidies. However, the chances of her are significantly increased.

When applying to local authorities, young families are first included in the queue for the right to receive a subsidy. Subsequently, they are issued certificate, which confirms the right to a state subsidy.

Young people can independently determine where they will send state subsidies. It could be home purchase in cash, home construction on their own. However, most often the subsidy is used when registering a mortgage. In this case, she goes to pay the down payment.

It should be understood that subsidies are funds intended use. Therefore, budget funds will not be handed out; they can only be received by transferring to the account. At the same time, it is imperative to comply with all the requirements of the state program.

In any case, state assistance in obtaining mortgage loans helps not only to obtain a loan on more favorable terms, but also to repay it in a shorter time.

That is why even with the minimum A chance to get a subsidy is worth trying to get it. State assistance, even in a small amount, will save the family budget, and at a lower cost to achieve the goal - to buy your own housing.

Step 2. Finding suitable housing

When choosing an apartment, house or other real estate, you should, first of all, be guided by its area. It should not only meet the current needs of the family.

Please note that, most likely, you will have to live in a mortgage apartment for a long time. Therefore, it must ensure a worthy existence in the future, for example, when children appear.

Traditionally, from the point of view of state bodies, the ideal is improved one-bedroom apartments. However, it is undesirable for them to be in old houses.

Naturally, with sufficient income, you can give preference to real estate of a larger area. But do not forget that such apartments, of course, will cost more, there will be more mortgages. As a result, the monthly payment and expenditure of the family budget increase.

It will be useful to take into accountthat many credit organizations cooperate with developers. In order to increase demand for apartments and mortgages, such partners carry out various promotions that allow young families to buy an apartment in a new building on the most attractive conditions.

Regular monitoring of such promotions allows young families to find the most profitable options for buying an apartment.

Step 3. Choosing a bank to get a mortgage

Just like when buying an apartment without state assistance, social program participants have to get mortgages at banking institutions. The choice of the best option should be approached with the utmost care and responsibility.

Today, the choice of credit organizations offering to issue a mortgage is huge. Therefore, borrowers have to conduct a thorough selection.

1) Recommended first identify organizations, where there are programs that allow you to issue a loan for the purchase of housing for participants in social programs.

2) Then you need to carefully study and compare lending programsoperating in selected banks. Take into account not only interest rates. But the presence of various kinds commissions.

In addition, the size of the required down payment should be given great importance when arranging a mortgage. If the funds allocated by the state turn out to be insufficient, the young will have to add their money or look for a cheaper housing option.

3) After a suitable program is selected, it will be required leave a request for a mortgage.

It should be understood that joining a social program is not an automatic guarantee of a positive decision of a bank on a mortgage loan.

Most often, a refusal can be obtained for the following reasons:

• insufficient total family income;
• the spouse is on maternity leave;
• there is a possibility of a spouse being called up for military service;
• one of the spouses does not have a stable income.

In case of insufficiency of officially confirmed income, you should not despair. Most banks allow attract co-borrowers. They can be close relatives, for example, parents.

In this case, when calculating the mortgage, the income of all borrowers will be taken into account. But worth keeping in mindthat co-borrowers have equal rights and obligations. In other words, they will also be the full owners of the acquired apartment.

Step 4. Collection of documents

Each credit organization develops own terms of mortgage lending. The list of required documents may also vary. However, a list can be made of those that should be presented in most cases.

Among them are:

1. passports not only of spouses, but also of all co-borrowers, guarantors;
2. in case of temporary registration, a document confirming it;
3. diplomas and other documents on education;
4. marriage certificate;
5. in the presence of children their birth certificates;
6. document confirming the allocation of state subsidies;
7. a copy of the work book, certified by the employer, indicating that the citizen continues to work in the company today;
8. certificates confirming the amount of income received;
9. documents for the acquired property.

Each credit institution supplements the presented list at its discretion. Only after they are all submitted, the bank will consider the application and be able to make a decision.

Step 5. Making a mortgage

After the documents and the application for registration of the mortgage will be considered by the bank, he makes a decision. If the application is approved, occurs signing mortgage agreementcash disbursement for the purchase of a residential property.

The next step is signing sales contract and purchase of housing. As a result, ownership passes to the borrower.

Note! The borrower will not be able to fully dispose of the property until the loan is fully repaid. All this time the apartment will be in pledge at the bank.It turns out that to sell or donate an apartment, without coordinating such a deal with the bank, will not work.

Absolutely all the rights and obligations of citizens applying for a mortgage are prescribed in the corresponding agreement. That is why experts recommend BEFORE signing a loan agreement to carefully study it.

Do not be shy to ask questions to the loan specialist in case of misunderstanding of any points. After the signature of the borrower is on the document, it is almost impossible to refuse to fulfill the obligations undertaken.

When studying a loan agreement, special attention should be paid to the following parameters:

• interest rate;
• liability for late payment;
• schedule, as well as the procedure for making monthly payments.

Traditionally, it is precisely by these criteria that young families can be granted privileges in banks.

In addition to registration and signing of a mortgage agreement, at this step, registration sales agreement. As soon as it is signed, there is a re-registration of the property right with a simultaneous imposition of an encumbrance on the property.

In addition, money is transferred to the seller of the apartment in payment for it. The method of this operation is negotiated separately. Most often, the transfer of money is carried out through a bank cell or by transfer to the seller’s account.

Thus, in order for the procedure for registering a social mortgage to proceed quickly and without problems, a certain procedure should be followed.

2.4. Banks giving mortgage loans to young families - TOP-5 banks with the best loan conditions

Not all Russian banks have special mortgage programs for people who receive state support. Nevertheless, there are a lot of credit institutions that offer preferential conditions for young families, there are plenty to choose from.

For the most part, such programs are available in large banks, which are distinguished by a high level of reliability and a positive reputation.

Naturally, an independent search for a suitable credit institution can take a lot of time, since it is necessary not only to select banks with preferential programs, but also to compare them.

Much more efficient to use ratingsprepared by specialists. Below is one of them.

For ease of comparison, the data are presented in the table:

2.5. Advantages and disadvantages of social mortgage lending for young families - expert opinion

The benefits of social mortgages are known to all. State support allows you to purchase housing on credit with maximum benefit for young families. However, not every one of them can receive real assistance from the state.

Often, citizens do not understand the difference between federal aid projects and commercial bonus programs.

Important to understandthat the right to subsidies arises only upon approval of participation in projects, which can be obtained by contacting local authorities.

In addition, the implementation of state programs is carried out only through AHML and canswho are official partners of this agency. Only these organizations provide a mortgage using state support.

The state helps borrowers in several ways:

• subsidy, that is, a decrease in the rate;
• subsidiesdirected to the down payment.

Young people should understand that banks that do not cooperate with AHML may also provide mortgages for young families. However, in such organizations, use the right to receive state assistance not allowed. But it will still be possible to get some benefits provided by the bank itself.

For example, some credit organizations offer deferred payments in the following cases.:

• birth of children;
• loss of the main source of income.

Most specialists in the field of finance do not recommend young families who do not have the right to help from the state to rush with the purchase of housing on a mortgage.

Such issues should be addressed in terms of long-term prospects. It is important to evaluate all possible scenarios, to analyze whether it would be more profitable to get a mortgage loan later.

Sometimes it’s not out of place to wait for the birth of a child. In some Russian regions, this is a circumstance that entails the receipt of a family maternal capital.

In the case of the birth of a second child in the family, receiving such state assistance is possible at the federal level, that is, in all regions of the country.

If the maternity capital is used to pay the down payment or repay the debt on the mortgage, you can use it immediately after the birth of the baby.

Most young people lack experience in financial planning. In such a situation, it is difficult to understand whether they can pay the mortgage with the existing incomes and live with dignity.

Financiers are advised to do the following: transfer to a separate bank account each month a cash amount equal to the expected payment on a mortgage loan.

About in 6 months spouses will understand how heavy such a financial burden is for them. Moreover, a significant amount will accumulate over this period of time, which can be used as part of the down payment on a mortgage.

Thus, a social mortgage for young families can provide significant assistance in buying your own apartment.

It is important not only to line up, but also to study all the conditions of lending, as well as analyze your financial capabilities.

Basic conditions and stages of military mortgage registration

3. Military mortgage - conditions and procedure for obtaining a mortgage for military personnel ✈️

One type of social mortgage is a loan intended for military personnel. It is important not only to know about the possibility of receiving such assistance, but also to understand how this program is implemented.

3.1. What is a military mortgage - an overview of the concept and terms of provision

Military mortgage is a special way to get housing that is available to military personnel. The system used to implement the program is called funded mortgage. It operates in all Russian regions.

Both economic and social principles of organizing a military mortgage are determined by the legislation of the Russian Federation. The program is running more 10 years.

The purpose of its creation was the need to create favorable living conditions for the military, serving on the basis of contracts.

The history of the emergence and development of military mortgages

Before 2004 years in Russia there was a different program for providing military personnel with housing. Then, after the required number of years has been served, those leaving the army received houses specially built for these purposes.

However, a huge number of financial as well as technical problems prevented the program from functioning properly.

Difficulties led to the fact that the program was replaced by a brand new project. In accordance with the new scheme already after 3 years after entering the funded mortgage system, the military gets the opportunity to become owners of full-fledged housing.

The program started in 2004 year. It was then that at the legislative level was developed and adopted funded system. From that moment, the military got the opportunity, using state aid, to purchase housing by installments, that is, to issue a mortgage loan.

How is a military mortgage different from a traditional civil one?

A federal program to help the military improve their living conditions is more profitable than a traditional civil mortgage.

The main advantage military mortgage is that the payment of the loan is not from the family budget, but from the federal. The only, but very essential condition is that a soldier must serve not less than 20 years.

There are other hallmarks of a military mortgage.

The main ones are:

• the mortgagee is the payer, which is the Ministry of Defense of Russia;
• the period of purchase of an apartment increases, since donations do not come immediately;
• the right to concessional lending is reserved only for military personnel who have entered the funded-mortgage system;
• the amount of state aid is limited and amounts to 2,2 million rubles, if the cost of the apartment is higher, additional costs are borne by the military;
• a loan agreement is concluded much earlier than a contract of sale.

All military personnel, even those who already own a residential property, have the right to participate in the military mortgage program. It is not necessary to buy a new apartment at the duty station. The military can purchase housing in any region of Russia of their choice.

When using a military mortgage defense Department makes every effort to eliminate risks. That it carries out full control of the transactionas well as an initial fee. The serviceman remains to choose an apartment, as well as a credit institution.

Some military men mistakenly believe that the analysis and comparison of lending conditions in different banks are not fundamental for them. But this is not true. It’s worth the effort to find the most profitable program.

Do not forget that the cost of an apartment in excess of 2.2 million rubles, the military himself pays. Moreover, in case of early dismissal from the army, the remaining amount of mortgage debt, as well as interest on it, will have to be paid on your own.

That is why, already at the stage of deciding to purchase an apartment, it is advisable to choose the best loan conditions.

The nature and conditions of a military mortgage

Briefly, a military mortgage scheme is presented on its official website.

It includes only 3 stages:

1. To serve in the military.
2. Save up.
3. To buy an apartment.

Of great importance in the implementation of the program of assistance to the military in improving housing conditions is the mechanism of accumulation of funds.

Savings account opens to every military man. It is enough for him to continuously serve, and the state will monthly transfer the funds due under the program.

Upon expiration 3 years from entry into funded mortgage system a serviceman has the right to purchase residential property under the program military mortgage.

The funds accumulated by this moment will be used to repay the down payment. Subsequently, monthly payments are paid from the savings account.

To date maximum state aid in the acquisition of housing by the military is 2,2 million rubles. Approximately this amount can accumulate in a special account for 15-20 years, if it is not used anywhere.

According to experts, the maximum amount of state aid is enough to purchase an apartment, the area of ​​which is 54 square meters. In accordance with the social norm of this housing is enough for three people.

If the family of a soldier is larger, he may well buy a larger apartment. But you should considerthat the difference between the cost of new housing and the maximum amount of a military mortgage will have to pay on their own.

In addition to all the described requirements for the acquired property, one more thing is presented - the apartment must be liveable. In this case, it is not necessary that the housing is new. You can buy real estate, as in primaryso on secondary the market.

3.2. Who is eligible to receive a military mortgage

Employees of the following law enforcement agencies have the right to take part in the accumulative-mortgage system:

• armed forces;
• intelligence services;
• Ministry of Emergencies;
• FSB;
• Ministry of Internal Affairs.

Military personnel with the rank automatically fall into the accumulation system. Private soldiers are included in the scheme only after they have signed a professional contract.

As for the automatic participants in the funded mortgage system, 2 groups are fixed in the law:

1. warrant officers and warrant officerswhose service life exceeds three years since the beginning of 2005;
2. officerswho were awarded the title for the first time since the beginning of 2005.

Today, both categories of military automatically fall under the housing improvement program. When from the moment of getting into the program of the military mortgage passes 3 years, military personnel have the right to use the funds from the savings account to purchase housing on credit.

Already accumulated money goes to an initial fee. Further, the state makes monthly payments throughout the entire service life.

With a favorable set of circumstances, by the time the retirement age is reached, which the military comes at 45 years oldhe has own apartment and fully repaid mortgage. However, if a soldier decides to quit, he will have to pay off the remaining amount of debt on his own.

for example, a soldier decides to issue a military mortgage and buy an apartment for 1,9 million rubles. After 6 years, he leaves the service to become a teacher.

At this point, the Ministry of Defense manages to pay off 900 000 debt. Remaining one million the former military will have to pay on their own. If problems arise during the repayment, the Ministry of Defense may seize the apartment from the former military in his favor.

The implementation of the military mortgage program is carried out by Federal Office of the Mortgage System.

This body performs the following organizational tasks:

1. takes into account accumulations;
2. Manages available funds, that is, invests them in various instruments with the aim of multiplying;
3. Helps the military to acquire apartments; for this purpose, counseling and assistance in choosing housing are provided;
4. gives out funds for a mortgage.

The amount of money provided in the form of a military mortgage is not affected position, as well as wage level serviceman. The state transfers equal amounts to everyone’s savings accounts, which each year vary depending on inflation.

The procedure for obtaining housing (apartments) for a military mortgage - 5 steps to apply for a mortgage loan for military personnel

3.3. How to buy a house (house, apartment) on a military mortgage to a soldier - step by step instructions

Every soldier who takes part in the funded system is more 3 years, has the right to independently decide when he should use the right to purchase housing.

In this case, it is necessary to be guided by various criteria. Among them, for example, we can distinguish military age, as well as available living conditions.

The procedure for acquiring real estate using military mortgage programs has been reduced in the form of the following diagram:

1. a serviceman decides to purchase an apartment, using the funds placed in the savings account, finds a suitable property;
2. when agreement is received on a deal with a residential property from the developer or seller, the credit institution should obtain consent to register a military mortgage;
3. a mortgage agreement is signed with the bank with the mandatory participation of the Ministry of Defense;
4. credit funds are issued for which the apartment is bought.

Whether to use such a scheme is decided by a soldier himself. Moreover, he must bear in mind that the main minus military mortgage is that the military will have to conscientiously serve until the end of the loan repayment. If you quit, you’ll have to pay off your mortgage on your own.

Despite the fact that the loan is paid from the Ministry of Defense, pick up a bank, as well as deal with all paperwork military will have to do it yourself. True, the state will provide him with free advice and assistance.

In any case, the soldier should know in more detail about the steps that should be taken to obtain a military mortgage loan.

Step 1. Registration of the military in the funded system

Naturally, to purchase an apartment using the funds in the savings account will be possible only for those who have such an account open. It opens exclusively to those who take part in the funded system.

Automatically, its members become members when assigned to them officer rank, as well as those who sent a report to their superiors when concluding a contract for military service.

After the military enters the funded system, 3 years later he receives the right to purchase residential real estate using public funds. In this case, control over the registration of the mortgage, as well as the disposal of the accumulative accounts of the military is carried out by a special body - Federal Office of the Mortgage System.

Step 2. Choosing the right property

A soldier who has decided to buy an apartment or house using funds provided by the state, independently searches for a suitable residential property.

Many of the military participating in the program decide to buy housing, which is under construction.

However, buying an apartment on the secondary market is also not prohibited. It is enough that the selected apartment is suitable for the parameters presented by the bank, and he agreed to a deal with this property.

The following basic requirements are presented to residential real estate:

1. stay within Russia;
2. connection to water supply systems;
3. kitchen and bathroom are allocated in separate rooms;
4. doors and windows are in good condition.

In addition, the building must necessarily have a solid foundation, and also it must have the status of a full-fledged housing.

Step 3. Choosing a bank for mortgage registration

After choosing housing, a soldier will not be able to immediately complete a purchase and sale transaction. First, he should stock up on the consent of the bank to issue a targeted housing loan. To this end, you should submit to the selected financial institution a package of necessary documents.

Its composition depends on the bank where the mortgage will be drawn up, however, there are documents that are required everywhere.

Among them are:

1. application form or application for a mortgage loan;
2. a document confirming the right of a soldier to obtain a military mortgage loan;
3. military ID;
4. passport of a citizen of the Russian Federation;
5. documents for a residential property.

Today in Russia with a military mortgage is working approximately 70 credit organizations. Moreover, each of them has its own requirements for potential customers. Therefore, choosing the best program is not easy.We already wrote about which bank is better to take a loan in a previous article.

Do not think that if there is support from the state, you can count on the same interest rates in different banks. Given that the amount and term of the loan is quite high, even a small difference leads to huge overpayments.

On the one hand, payment is made Ministry of Defense, and worry about the rate does not make sense. But do not forgetthat when you leave the service, you will have to pay the mortgage yourself. At this point, there is an understanding of the need to select optimal conditions at the stage of comparing mortgage programs.

When a credit institution is selected and documents are collected and submitted, the credit institution’s specialists will analyze the received application and make a decision on it. If the answer is positive, a package of documents of a serviceman is transferred to the Ministry of Defense in order to conduct an audit by state bodies.

Step 4. Making a mortgage

After the transfer of documents to the Ministry of Defense, they are check. In case of a positive decision, employees of state bodies carry out the signing and certification of documents with a seal.

The most important stage of not only the step under consideration, but also the entire process of registration of a mortgage by the military is signing loan agreement.

This process involves 3 parties:

1. credit organization issuing a loan;
2. serviceman acting as a borrower;
3. representative of the Ministry of Defense.

When approvals are received, funds are transferred from a serviceman’s savings account to a credit institution for the purpose of depositing down payment.

Then the bank issues mortgages. Both amounts are transferred to the seller of the residential property.

In the future, throughout the entire loan term, provided that the military is in good faith, the state budget will transfer to the bank monthly amounts of money in the amount of monthly payment.

Step 5. Re-registration of property rights to housing

When all the previous steps are completed, it remains only to register the transfer of ownership from the seller to the buyer. But in any case, you should not relax.

Despite the fact that the state will pay for the apartment, the military will have to work it out, conscientiously serving throughout the loan term.

Legislatively established that the Ministry of Defense pays a mortgage loan only for those who continue to serve. In the case of a decision to quit, payments from the budget will cease, and the debt burden will fall on the shoulders of the former soldier.

Thus, the procedure for acquiring housing in a military mortgage includes several critical steps. None of them can be ignored.

3.4. Banks providing mortgage loans to military personnel - TOP-5 banks with favorable interest rates and conditions

Many large banks work with military mortgages. This type of lending is characterized by minimal non-repayment risks, because the state itself will repay the loan. Moreover, each bank develops conditions and sets interest rates on its own. therefore important Compare several programs to choose the best.

Specialists recommend first of all to pay attention to the largest Russian banks. Here, special programs are offered for military personnel. Moreover, maximum transparency of operations is guaranteed.

Traditionally, the most popular among borrowers is Sberbank. Its branches can be found in almost all Russian cities, even the smallest.

In any case, in order to find out the loan conditions you don’t have to waste time in huge lines, just go to the bank’s website.

It is often difficult to compare all conditions and rates and choose the best bank for a soldier. Therefore, professionals are advised to use ratings developed by experts. An example of one of them is given below.

For the convenience of analysis and comparison of information, the data are presented in the table:

3.5. Getting paid in connection with the end of service as an alternative to a military mortgage

Participating in the funded system, the military has the right to spend the funds collected on a special account for one purpose - to purchase residential real estate. The military will not be able to get cash on hand.

However, the program participant has 2 options to choose from:

1. arrange a military mortgage through 3 years after joining the program;
2. after the end of the service, get all the funds accumulated in the account and purchase housing on them.

It turns out that a soldier who has acceptable living conditions does not make sense to rush and buy an apartment on credit. You can wait for retirement and then buy real estate. In this case, you do not need to draw up a mortgage.

Conditions allowing a soldier to receive funds accumulated in his account at his disposal:

1. if the soldier has served more 10 years, decided to quit and does not have his own housing, he will receive the amount that managed to accumulate;
2. resignation due to worsening health conditions or during reorganization in the structure of the Ministry of Defense;
3. length of service exceeded 20 years;
4. soldier has reached the age of 45 years.

In the event of the aforementioned circumstances, the soldier has the right to open credit organization account, which works with state funds transferred to the military. After that it is necessary to send report at Rosvoenipotekucontaining the intention to receive the documents of the participant of the funded system.

During 90 days funds to the bank’s account will be transferred from the budget that have accumulated since entering the service. The soldier can thus use the money used to purchase a residential property.

If the money received is not enough to buy an apartment or a house, you can pay extra from personal savings or get a loan, which will then be paid from personal sources of income.

Thus, the military personnel of various power structures have the opportunity to purchase housing, using the help of the state. This approach improves housing conditions through conscientious service.

Preferential mortgage for young professionals: doctors, teachers, scientists, engineers, etc.

4. Social mortgage for young professionals, state employees - features and conditions of registration + list of required documents 🗒 👱‍ 👩

The state is making enough efforts to provide decent housing for needy citizens. Nevertheless, the problem with housing conditions for one of the most unsecured categories - state employees remains very relevant.

The low wages of most specialties in the public sector lead to the fact that most citizens cannot afford to purchase quality housing. In this situation, the only way special mortgage for state employees.

This exit has its own advantages and limitations. One side, citizens get residential property. But on the otherYou will have to pay for it from the family budget. As a result, family free funds will be reduced for a rather long time period.

4.1. What is a mortgage for state employees and what are its features

Statistics show that Russians with an average income will have to save on it to purchase their own housing minimum 25 years.

For many state employees, the income level is such that it will not be possible to accumulate the required amount for such a long period. That is why the state, in order to improve the living conditions of state employees, has developed special mortgage program. It helps to buy real estate for those who can not do it on their own.

The main goal of this program is to help Russians who work in the following sectors of the public sector:

• education;
• the medicine;
• municipal authorities;
• defense industry.

In order to implement the program, federal laws relating to mortgages were amended. Consider the distinguishing features of mortgages for public sector employees.

Social Mortgage it is intended for Russians who need to improve their living conditions, but they cannot afford to repay a loan under standard programs. The rate on such mortgages has been reduced to 10 % per annum

When using social mortgage programs, a state employee will be able to re-register acquired housing into ownership only when the loan is fully repaid.

For housing purchased using state aid, certain requirements are made:

1. the apartment should be in a standard high-rise building;
2. the house where the purchased property is located must belong to the municipality;
3. the area of ​​acquired housing should be such that there should be at least one person 18 square meters (for single citizens, the minimum housing size is doubled).

It should be noted that the term of a social mortgage usually exceeds the standard. The main goal of such a program is assistance to public sector employees in the acquisition of affordable housing, which is distinguished by the necessary level of comfort. Assistance is provided at the regional level and resolves allocation issues subsidies.

All citizens of Russia who work in the public sector have the opportunity to take advantage of a preferential mortgage more 1 of the year.

For those applying for state aid, municipal and regional organizations are paid cash subsidy at the expense of funds allocated by the budget. Help is allocated once and allows you to pay part of the cost of a residential property or to achieve lower interest on the loan.

4.2. What categories of state employees have privileges?

Government-developed mortgage lending programs are designed to help several categories of budget employees.

In addition to allocating funds for the purchase of housing, there are also other types of assistance:

1. the value of real estate intended for acquisition under the social program is calculated in a special way, which leads to a significant reduction in their cost;
2. lending terms are more loyal - down payment at the level of 10%, interest rate - about 11%.

We have already talked about the military mortgage in this publication. Let us consider in more detail the existing programs for other categories of state employees.

1) Social mortgage for young scientists

A special mortgage is called upon to support the young academic staff, as well as employees of Russian scientific academies.

It is based on several principles:

1. assistance is provided from local budget funds;
2. initial payment does not exceed 10% of the value of the residential property indicated in the valuation protocol;
3. an opportunity to attract a co-borrower;
4. interest rates on social programs reduced.

This mortgage is regulated decreewhich was published December 2011 of the year. It is this act that regulates the social subsidizing of funds with the aim of acquiring young scientists into the mortgage of residential real estate.

2) Social mortgage for medical workers

A mortgage loan designed for medical staff can be issued to those who under the age of 35. In addition, applicants for a mortgage are presented with another requirement - lack of ownership of residential real estate.

The state has developed a mortgage program for medical workers, the size of which is about 5-7 %, subsequently it can be reduced up to 3-4%. Minimum down payment should be 10% of the value of residential real estate.

State authorities promise to continue the development of social mortgage programs in order to expand the coverage of Russian citizens. But do not think that any doctors can get a mortgage with state support.

In any case, you will have to prove your solvency, that is, the ability to repay the loan in accordance with the selected conditions.

In other words, you will need to submit all the necessary documents. If you manage to get a social mortgage, you can count on reimbursement through subsidies. 35-40% residential property value.

4.3. Documents required for registering a social mortgage

Before you qualify for a social mortgage, you should contact local authorities. Here for 3 days will consider the submitted package of documents. As a result of consideration, the applicant is issued conclusion about what decision was made.

If approval is received, a certain a package of documents, including the following items:

1. state budget application for state aid;
2. a certificate from the current place of work confirming the existence and duration of the total length of service in the public sector;
3. a document from which it becomes clear that before the applicant did not receive state assistance for the purchase of housing;
4. certificate from local authorities about the need to improve housing conditions.

A full package of documents is provided in municipality social welfare department. It is here that the submitted documentation is examined and social workers make the final decision.

4.4. Preferential mortgage interest rates

Traditionally, legislation sets a limited time period for social mortgages. However, to provide vulnerable groups with affordable housing, it is regularly renewed. Therefore, it is valid today.

State authorities established subsidy limit. Today it is 35% the value of the residential property.

However, the final decision on the amount of the subsidy is made individually. In doing so, various circumstances are taken into account, eg, the number of family members (primarily minors), the cost per square meter of real estate in a particular region.

Down payment amount averages 10% of the cost of housing. Interest rates do not exceed 15% per annum. However, the conditions may vary depending on the selected credit institution, as well as the individual characteristics of the borrower.

4.5. The benefits of social mortgages for public sector employees

For most public sector employees, social mortgage is the only way to purchase their own housing.

There are a number of advantages that are characteristic of social mortgages intended for public sector employees.

The advantages of social mortgages for public sector employees:

• expedited decision making employees of a credit organization upon application;
• longer loan terms;
• preferential interest rateswhich are usually much lower than standard.

In addition to these advantages, some credit organizations offer borrowers to independently cooperate with the state regarding subsidies, as well as filling out all the necessary documentation.

Thus, in order to solve problems with improving housing conditions, state employees should use specially developed social mortgage programs. It is important to carefully study the offers of banks and choose the best.

5. Who can help with the registration of social mortgages - professional help of credit brokers

The analysis and comparison of the existing on the market offers of banks for registration of social mortgages is not an easy task. It requires a huge amount of effort and time. It will be especially difficult for those who do not have financial education.

However, today in the financial market there is a great solution. Which will save time and nerves - assistance in obtaining mortgages from professionals. The so-called mortgage brokers.

For help in obtaining a social mortgage, you can turn to professional mortgage brokers

A feature of professionals is that they not only are well versed in the peculiarities of mortgages, but also have established ties with banks.

Some refuse the services of mortgage brokers, because they will have to pay a substantial amount. But do not forget that in most cases, professionals manage to choose a social mortgage on more favorable terms. Given that the term and amount of the mortgage is quite large, even 1% discounts from the rate allows you to get significant savings.

In large cities, there are usually several mortgage brokers.

In the capital, the best companies providing assistance in obtaining a social mortgage are:

• MCO Credit;
• Standard Credit;
• Credit Decision Service;
• Kommersant loan.

Even in small cities, you can find mortgage brokers. Such specialists are available at most major real estate agencies.

There are several tasks that determine the functionality of mortgage brokers:

• search and comparison of banks;
• analysis and selection of the optimal mortgage program;
• Search for a suitable residential property.

In addition, experts help to prepare the necessary package of documents. In some cases, brokers offer borrowers to become their guarantors.

Due to the fact that mortgage brokers have strong ties with various banks, they are able to achieve positive decision even with a negative credit history.

In addition, with their help you can get a mortgage at a lower rate and with a minimum down payment.

When choosing a mortgage broker, it is important not to become a victim of a scammer. To this end, should attentively examine information and reviews about the company. It should be borne in mind that the payment of a broker's commission should be made only after receiving a positive decision.

6. Answers to frequently asked questions (FAQ) 🖇

Making a social mortgage raises a huge number of questions for most Russians. That is why, in order to save our readers time to search for answers to them, we respond to the most common of them.

Question 1. Who is entitled to a mortgage loan repayment subsidy?

Subsidy called the allowance, which is issued by the state to needy citizens for a specific purpose. One of them is repayment of a debt on a mortgage loan, as well as making an initial payment on it.

In Russia, several categories of citizens can receive a mortgage subsidy. Among them are:

1) Young families - those in which both spouses have not reached the age of 35 years. In this case, the need to improve housing conditions must be documented.

Young families can use the funds allocated by the state to make a down payment on a mortgage.

2) At the birth of a second child, the family maternal capital, which is also a type of subsidy. There are several goals where you can send the funds received, one of them is mortgage. Many direct maternity capital to partially repay an existing mortgage at any bank.

Some credit organizations suggest using subsidized funds as down payment on the mortgage. Most often, such programs provide a lower down payment (up to 5% the estimated value of the residential property).

Also, some banks have developed short term mortgage, which in amount is equal to or slightly exceeds the amount of maternity capital established to date. This option is suitable for those who do not have a small amount to buy housing.

But it should be borne in mind that such programs have very high interest rates. This leads to significant overpayments.

3) Specially for military personnel a subsidy program for housing has been developed. Its peculiarity is the accumulation of state funds in the registered account of a soldier through funded mortgage system (NIS).

To be eligible to participate in the program, a soldier must not only conscientiously serve under a contract, but must also be included in NIS registry. Subsequently, a soldier can either buy an apartment due to accumulated fundseither get a military mortgageusing the subsidy as a down payment. Further, all monthly contributions will be made by the state.

4) This is an incomplete list of those who have the right to receive state assistance to improve living conditions. So, young teachers can use the subsidy for the first installment of the mortgage.

5) For young scientists the direction of use is more extensive - in addition to the down payment, they are allowed to use state assistance to partially repay the already issued mortgage.

To receive a subsidy, you should not only have experience in a budget institution whose employees are entitled to state assistance. The second condition is age no more 35 years. The exception is doctors of science who are eligible to receive a subsidy before age 40 years.

Question 2. What is the "Rosvoennaya mortgage" or "Rosvoenipoteka"?

For a long time, a mortgage loan has become an acceptable way to purchase their own housing for those who do not have the opportunity to save on it.

However, there are a huge number of varieties of mortgages, including those that are available to certain categories of citizens. This is exactly what Diluted mortgage.

Such a specialized loan is intended to improve the living conditions of military personnel. Using state aid, they can become the owner apartments or residential building. At the same time, you can buy them both in the primary and in the secondary market.

The right to receive a war mortgage mortgage is available only to those military personnel who are included in register of participants in the accumulative mortgage system. It is also called in abbreviation - NIS. Under this program, each participant opens a funded account to which a certain amount of money is credited from the federal budget every month.

Details about all the requirements that apply to military personnel who wish to join the NIS are described on the Rosvoenipoteka Internet portal.

Among the main requirements are the following:

• start of service after 01.01.2005;
• age is less 45 years;
• longer service 10 years.

Applicants for state assistance should first of all submit statement at the duty station. As soon as approval is received, they will open for the serviceman score, which will receive funds from the budget.

After the lapse of 3 years, a soldier will receive the right to use the accumulated money.At the same time, he can add his own funds and purchase housing, having fully paid for it, or arrange a mortgage. In the second case, the funds available on the account can be used to pay the down payment.

When applying for a military mortgage, a bank will need to provide a package of documents, including:

• documents of the borrower;
• documentation regarding the property to be purchased.

After receiving a loan application, together with a set of documents, the bank carries out their consideration and analysis.

If will be rendered positive decision, the case of the potential borrower will be transferred to FGKU - war loan application review organization. If no violations in the paperwork are found, they will be signed and money will be transferred to the credit institution.

The end of the military mortgage registration procedure can be considered the signing of 2 agreements:

1. mortgage agreement;
2. sales contract of residential real estate.

It should be understood that a soldier is obliged to prove the intended use of the funds allocated to him. Therefore, he should, after receiving all the contracts and documents, submit them to the Federal State Institution.

Question 3. Is there a social mortgage for a large family?

There is no doubt that every family strives to become the owner of suitable housing.

For those families in which more two children, this issue becomes especially relevant. Here we are no longer talking about banal desires and whims. It is much more important to create acceptable living conditions for the whole family in general and each of its members individually.

Recently, it has gained the most popularity as a way of buying a home. mortgage. However, this type of loan for large families can be fraught with enormous difficulties.

In this regard, the question naturally arises of the possibility of obtaining a preferential mortgage for large families. But specifically for this category of programs with state support has not been developed.

Moreover, it is quite natural that banks do not provide special mortgage conditions for large families. Do not forget that their main goal is to profit, and not help those in need.

Despite everything, everyone, including a large family, has the right to apply to a credit institution for registration of a mortgage loan. However, there are a number of difficulties.

Firstly, it should be borne in mind that when analyzing the possibility of approving a mortgage, the bank first of all takes into account solvency level. It is quite natural that the cost of essential goods - food and things directly depend on the number of dependents in the family.

That is why when applying, special attention will be paid to the credit institution in comparing the estimated monthly payment with the amount remaining from the family budget after deducting all necessary expenses from it.

Secondly, to calculate the maximum amount of a mortgage loan, bank employees analyze net income. It is calculated as the difference between family income and expenses.

Naturally, the smaller the amount that remains, the smaller the estimated monthly loan payment may be. Ultimately, it is this value that directly affects the size of the loan, which the bank can approve.

In any case, do not give up. When calculating total income, not only spouses' salaries, but also all other receipts - pensions, scholarships, benefits. Therefore, it is quite possible that their total amount will be sufficient not only to cover the necessary expenses, but also to pay a monthly payment.

Moreover, there is always the opportunity to get a loanby stockconducted jointly by the bank and the developer.As a result, you can get a significant discount on the interest rate. In addition, the likelihood of acquiring an apartment of a larger area is increased, having entered into shared construction.

Do not forget that the state at birth 2nd child pays family maternal capital. Such assistance can be used immediately for making down payment.

It is worth mentioning the possibility of income tax refund. The amount of compensation is quite substantial - 13% the cost of the purchased apartment, as well as interest paid on the mortgage.

Of course, the return is not carried out immediately, but within a few years. However, such a reimbursement can be real support in repaying a mortgage.

Large parents are not deprived of the opportunity to try get a mortgage loan for social programs for young families. The only condition is that spouses should be no more than 35 years.

It will be useful to just turn to AHMLto learn more about possible lending options. Often here for large families discounts are given on interest rates.

Do not forget that in some regions, local authorities provide individual support to large families.

It can be provided in the following forms:

1. the opportunity to purchase state property at a lower cost;
2. allocation of free land for the construction of a residential building;
3. reimbursement of a portion of interest paid on a mortgage;
4. cash assistance that can be used as a down payment.

In each region, the authorities decide on their own whether to provide assistance to large families and in what form. In any case, it is worth clarifying the possibility of obtaining it.

Families with many children also have the right to live in favorable conditions, therefore they should strive for this with all their might.

7. Conclusion + video on the topic 📹

Thus, in Russia there are options for state assistance in improving housing conditions for various categories of citizens. When deciding to get a mortgage, you should definitely carefully study all the existing options. This approach will help to save part of the family budget.

However, when drawing up a mortgage, you should not rely entirely on the state. In very rare cases, it pays the full cost of housing. More often, most of the costs are borne by the borrower. You should be prepared for this.

Note! Even if you have the right to a social mortgage, you must confirm that you have a stable income, as well as a reliable employer.

In any case, the team of the portal "Rich Pro" wishes its readers to purchase real estate with the least problems and costs. If you need to get a mortgage, we hope that our advice will help you to do this painlessly and with maximum savings.

Finally, we advise you to watch a video about what the state social mortgage is and what opportunities borrowers have:

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Watch the video: Banking Scams explained by Mads Palsvig English Subtitles 26 Jan 2016 (May 2024).