Mortgage loan under 6 percent per annum. A new program of state support for mortgage for families in which. Mortgage with state support for families with children in Sberbank

The innovation known as the "mortgage under 6 percent" appeared in Russian reality thanks to Resolution No. 1711 of December 30, 2017.

This resolution is greatly facilitated by payments for families, where from 2018 to 2022 the second or third child is born. The main purpose of the decree is called incentive fertility in Russia. Resolution No. 1711 also indirectly contributes to the construction of new housing in the territory of the Russian Federation and the development of the insurance services market.

Economic prerequisites for adoption of Resolution No. 1711 were: the stability of the internal economic situation and low inflation in 2017, a decrease in mortgage interest rates during this period. Despite the fluctuations in the ruble exchange rate in the spring of 2018, the ruling was not canceled.

The conditions for the use of mortgage under 6 percent have some limitations and instructions for use. Resolutions No. 1711 are named persons and organizations responsible for the implementation of the document.

Main conditions mortgages under 6 percent

The essence of the Resolution No. 1711 of December 30, 2018 is the following that families in which, starting from January 1, 2018, a second or third child receives the right to pay only 6% per annum. The difference between the rate of the appointed banks and the specified 6% state will compensate for the institutions issued a loan.

To count on obtaining a mortgage with state support, it is necessary to meet the following requirements:

• 6 percent benefits will not be valid all the time, but only 3 years for families who born in the specified term of the second child, and 5 years for those who gave the third.
• for those families who received benefits on the occasion on the second child and gave birth to the deadline for the third - after the end of the first 3-year period, the next 5-year-old;
• the birth of the following children does not matter for credit benefits, as well as the birth of the second and third child before the beginning of 2018;
• the age of the recipient of the mortgage at the time of full payment should be from 21 to 65 years.
• the action applies only to the acquisition of new buildings and is not valid for the buyers of secondary housing;
• insurance of the borrower and credited housing is necessary.
• the method of repayment of a preferential housing loan (i.e., the same amounts during the maturity).

If you fall under the preferential category and you can count on subsidizing mortgage by the state, then the following rules must be observed to comply with the loan:

• accommodation should be purchased from the developer (legal entity), the purchase of benefits do not apply to the purchase of individuals.
• to lend to the purchase of the Russian bank or the Mortgage Housing Agency (AHML).
• the buyer must make at least 20% as the first contribution to the purchase of housing.
• housing loan should be concluded after January 1, 2018. But perhaps on new conditions, if a new building was acquired, there were no violations of the payment discipline.
• term of the preferential loan from 3 to 30 years.
• the amount of preferential lending is limited by 3 million rubles for all regions of Russia with the exception of Moscow and the Moscow region, as well as St. Petersburg and the Leningrad Region. In these places, the upper limitation limit will be 8 million rubles;

After the end of the grace period, the mortgage rate should not exceed the rate of the central bank by more than 2%.

What banks give a mortgage at 6 percent?

600 billion rubles were allocated for the implementation of Resolution No. 1111 from the budget. This money is scheduled to compensate for banks from reducing interest payments on mortgage loans. More than half of the above amount accounted for the share of AHML, large subsidies went to Sberbank and VTB, somewhat smaller, but significant amounts of Absolutbank, Gazprombank, Rosselkhozbank. Other banks, and there are only 46 of them without AHML, got less. But for those who wish to obtain a preferential mortgage, allocated to each particular bank, the amount of much importance does not matter. The decision to coordinate the application or the refusal will be made on the basis of the personal circumstances of the borrower.

However, knowledge: "In what bank of a mortgage is 6 percent?" It will not be superfluous, therefore we present the table of credit institutions supporting preferential subsidies of housing in the framework of Resolution No. 1111

How to make a mortgage under 6 percent?

To make a mortgage with state subsidy, it is necessary to meet the conditions described and contact one of the above banks with documents confirming the birth of children (evidence).

Other conditions and requirements for documents do not differ from the usually requested mortgage. There are some discrepancies between the requirements, but there are no fundamental contradictions.

1. First you need to contact with the package of documents.
2. 5 days later, you must receive an answer to approval or refusal.
3. After that, there is a signing of the contract and enrollment of funds to the account of the developer.

After full repayment of the loan, you need to contact the MFC to remove burden with housing.

Directly at the end of 2017, a number of highly interesting measures were adopted as part of the fertility stimulation program. Among them now we will consider a preferential mortgage at 6%. Let's turn step by step how to get this preferential mortgage, who can do it and what are pitfalls.

At a meeting with the governor of the Samara region D.A. Medvedev said, and reducing mortgage rates, and that in general the country's economy is ready for such a bid.

If you look at the same countries in Europe or the United States, then there you can see this picture:

Sberbank without any benefits gives a mortgage to a little less than 7% in the Czech Republic. In general, the middle rate in European countries by mortgage varies within 2-4%. So we are quietly moving towards improving the position of people who enjoy loans. Maybe ever and without benefits will get ... Well, it's all the lyrics. Return to the case.

Briefly about the main thing. What is the essence of mortgages under 6%?

The state subsidizes the bank to the banks up to 6%. This means that in fact you take a housing loan under such a percentage, and the credit organization makes a bet that will be comfortable to her. The difference between your sum and disadvantaged income of the credit organization compensates for the state. Very soon there will be a circle of banks that participate in this program. The program is valid until 2022. 600 billion rubles were allocated for these purposes.

Who has the right to get a preferential mortgage?

• For a family with 2 children (the second child should be born after January 1, 2018 and until December 31, 2022) - the subsidization period will be 3 years;
• For a family with 3 or more children - the preferential rate will act 5 years.

It is possible to get a mortgage under 6% only for new housing purchased from a legal entity. Similar conditions apply to refinancing current mortgage loans in the fulfillment of the two conditions we have considered in paragraph above. Obtaining calculated only on citizens of the Russian Federation. According to the estimates of the Ministry of Finance, up to 500,000 families can take advantage of this program.

In my opinion, the reasons for the introduction of such a preferential mortgage for large families several:

• Become stimulation. Banally, but it really is. The calculation of the state here is not with the position that children are flowers of life, but with the one that the larger in the country of the working-age population, the more taxes, fees in the FIU and other things are expelled. At the moment, we have a rather high indicator of demographic aging of the population. This means that a thousand able-bodied citizen accounts for quite a few pensioners, who are essentially able-bodied citizens at the expense of deductions to the FIU.
• Low inflation and stabilization of the economy. This means that the Central Bank can still reduce the refinancing rate. Loans will become more accessible, but also contributions less profitable. It seems that oil prices are slowly growing ...
• Low risks for banks. Mortgage is one of the most low-tank products for banks. Also, also one of the most profitable. Profit is ensured and not colossal, but for a long period of time, and the share of overdue over mortgages is no more than 3% of the total market volume.
• Stagnation of the construction industry. Real estate prices have fallen greatly. People began to shoot housing more often, and mortgage with state support ended. This froze the new real estate market. This, in turn, provokes the situation of bankruptcies of construction companies. Their projects turn into a long definition, and the dissatisfaction of the population is growing. This situation is not beneficial to anyone. And so ... the state receives taxes, developers profits, and the people of housing.
• Elections 2018. Well yes…

What are the conditions for obtaining a preferential mortgage under 6% for families with two and more children?

Everything is quite simple:

1. The mortgage lending contract must be concluded in rubles not earlier than 01/01/2018 (for a new loan).
2. The amount of mortgage loan does not exceed 3 million rubles. For regions of the Russian Federation and does not exceed 8 million rubles. For Moscow, MO, St. Petersburg and Lo.
3. The initial contribution of at least 20% of the cost of housing.
4. The rate is 6% for the subsidization period. It should not exceed by more than 2%, the rate of the Central Bank at the date of issuance of the mortgage, after the end of the subsidization period.
5. Mandatory insurance of the life of the borrower and the facility after the completion of its construction.
6. Annuity payment. This means that the borrower pays the same amount of the entire period of repayment of the loan (amounts do not change). Payments These contain both the loan body and interest.

The procedure for obtaining a preferential mortgage under 6%

Absolutely the same as for obtaining a standard mortgage. The difference is only that you must provide documentary confirmation of the birth of the second (third and further depending on your particular situation) of the child. When contacting the bank, you can always clarify whether the bank in the new program of preferential lending and under what conditions can be clarified. The year has already begun, and the largest Russian banks are already aware of the specifics of the procedure for this procedure.

How to refinance a loan at a preferential rate under 6%?

If you have such a situation that you are already paying a mortgage, and after January 1, 2018 you have a child born, then you can contact the bank in order for you to refinance the current mortgage loan under the current rate, taking into account the preferential mortgage lending program. This means that the rate will decrease, and payments will become less.

Underwater mortgages under 6%

Everything as usual. Do not believe in fairy tales, do not be borne on low interest, and work only with those banks who have already earned themselves name and authority. Mortgage is a thing that requires stability from both participants in legal relations. Then everyone will be fine!

- A new program that is available to families at the birth of the 2nd or 3rd child after January 1, 2018. The essence of the preferential mortgage lies in the fact that the program participant receives a loan in one of the banks (given below) under 6%, and the remaining means pays the state. Earlier on the network there were a lot of information about innovation, but did not provide a list of participating credit institutions. Knowing where the preferential mortgage is issued at 6 percent, it is possible to save time and immediately get a loan. As for other banking institutions (outside the list), they can be referred to with a partnership with a credit institution from the list.

Conditions for obtaining mortgage under 6 percent

It was noted above that the new program is provided for families that are suitable for the following conditions:

• From 2018 to 2022, the 2nd or 3rd kid appeared in the family.
• During this period, the family took a new mortgage loan or designed the dedication of an old loan.
• Mortgage loan is issued on primary real estate, that is, the apartment can be purchased in a new house under the contract of equity participation or directly from the construction company.
• Advance payment paid in the amount of 20%.
• The mortgage loan size does not exceed the permissible limit of 3 million (for regions of the Russian Federation) or 8 million for St. Petersburg and the capital.

Above the general conditions that are characteristic of all banking institutions are considered. At the same time, the lender has the right to adjust the rules regarding the level of income of the family and the real estate itself. The family can fully approach the terms of the program, but to get a refusal due to the inability to confirm profits. The emergence of children in the voiced period does not guarantee benefits.

Who is the preferential mortgage under 6 percent?

It was previously mentioned that the right to obtain a mortgage under six percent had a family, in which the 2nd or 3rd child had appeared in the period from 2018 to 2022. But it is worth understanding that the mentioned benefit is not the prerogative of a banking institution, but a special state program. The lender receives the full amount and the betful bet. The difference is that the remaining part above is 6%, is paid from a special budget fund.

In this way, the preferential mortgage under 6 percent is allowed to the families that:

• Comply with the conditions in the number of children.
• Ready to fulfill the requirements put forward by the state and banking institutions.

The main thing is to contact those credit organizations that are in the list. If the bank is not listed, it will not be able to help with a preferential mortgage.

What papers will be required?

To get a mortgage loan at 6 percent per year, it is required to assemble a certain list of papers, which in each bank is individual. Some institutions have already formed the conditions, but many banks are at the stage of developing their rules. To obtain accurate information, it is worth going to the AHML resource.

It is expected that the list of papers will be standard, as for the usual mortgage - passport, documentation confirming the level of profit (certificate in the form of a bank, employer or tax), paper for real estate, certificate of birth of the 2nd or 3rd child, insurance, and Also a real estate assessment report.

Often questions about the subsistence minimum or requirements for the level of profit of the family. The 2018 program does not provide clear requirements. Previously, they put forward for borrowers who made a loan in the currency. There they act until today, but in the new program do not apply.

We must not forget about banks that have the right to demand a certificate of income from customers (it was mentioned above). The lender carefully studies the client, after which it decides on the minimum level of profit and the loan amount provided.

The financial institution should not be issued a loan only because the family was born the 2nd or 3rd kid during the program period. It will carefully evaluate the borrower, study its solvency and risk levels. If for any reason the family will receive a refusal, no one will punish the lender. The only way out is to appeal to another bank, which is included in the list and has less rigid conditions.

Questions and answers

Despite the transparency of the program, customers of banking institutions have many issues regarding the nuances of participation and netwritable requirements. We highlight the most important points.

Is it possible to place two apartments under 6%?

Nobody limits the number of apartments. If the banking institution sees that the client is capable of paying a mortgage loan on two or more services at the same time, it will not refuse. At the same time, the state is forced to compensate for the difference for each of the apartments. But it is worth remembering that at the birth of the 2nd or 3rd kid, the maximum size of the grace period is no more than 8 years. During this period, a person may have time to pay for 2-3 mortgages or, on the contrary, climb into debts. The main thing is to carefully approach the assessment of your forces and opportunities.

What if the mortgage is framed in a bank that is not in the list?

There are situations where the family issued a mortgage loan until the program entry into force and now plans to become its member. If the conditions are executed, you can fill out an application for dedication and submit it to the bank, which is included in the list. After checking the applicant, the lender decides on the possibility of cooperation and the provision of mortgage under 6%. If the client is approved, a new agreement is issued at a preferential rate, and the former loan is repaid. After all the procedures are completed, the family will repay the debt already under new conditions, and the state connects to the compensation process of the difference.

But there is a nuance that concerns the object of real estate. It is important that the apartment will be purchased on the primary market. If DDD is issued, the second participant of the contract must be a company (legal entity). In the case when the finished real estate was bought, the other side of the transaction should be developer. The transaction with the participation of physical or intermediary structures is not suitable.

Why does the country do not help families who have acquired real estate in the secondary market?

After the entry into force of the new program, there is a lot of discontent with the fact that the mortgage is available only for new apartments. It is important to understand that the state has a limited budget, so help everyone cannot. In addition, the purpose of the innovation is not only the support of families, but also the revival of the primary housing. The government is planning to launch a construction business in this way to launch millions of people and activate other processes.

Is the tax deduction available with participation in the new program?

With regard to deductions, the situation of the standard. The person has the right to return the NDFL from the price of real estate and paid interest, but only the problem remains - refinancing. The tax deduction is offered even by a new loan, but only if it is provided with a banking institution with a license. It is worth remembering that the JSC AIHM does not have a bank license. This means that when dedicated in this financial institution, the tax deduction will not work. To make a deduction, you will have to take a new loan to AHML. If we are talking about shifting, it is better to choose to refinance another creditor.

Getting mortgage under 6% - action algorithm

To take part in a new program for families, you need to do the following:

• Hanging the 2nd or 3rd kid during the program is valid.
• Assess financial opportunities. In the case of the 2nd child, the 6-percent rate operates for 3 years, after which it increases to 9.5 percent. At the same time, the percentage may be different, because it is considered by the formula "key rate of the Central Bank of the Russian Federation" plus "2%. It is important to calculate your strength and the ability to cope with the debt burden in the presence of 2 children.
• Arrange and send a request to one of the banks from the List of the Ministry of Finance.
• Clarify which construction companies or LCD are accredited by the selected banking institution.
• Collect paper at the request of a financial institution (individual for each bank).
• Conduct operation. Here are nuances with insurance, assessment or collateral.

Mortgage under 6% per annum - a new program for subsidizing housing lending
A few days ago, speaking at a meeting of the Coordination Council on National Ideas, the President of the country announced development prospects mortgage programs 6 percent.
Of course, the proposal is interested in many Russians, because under the standards that the head of state described, a large number of Russians fall, especially those who simply simply thought about mortgage lending.

What president and government offer

So, the potential participants of this program, when independently for the loan, taken on the security of real estate will have to pay only 6% of the overpayment, those citizens become in the families of which two or more child, and monthly income does not exceed 18 thousand rubles per family member. We emphasize that this is including children and non-working dependents.
The rest of the loan requested by the Bank will have to pay for the state.
Why such a proposal appeared and what his economic prerequisites appeared:

• The elections are not far off, and the political situation in the country has stabilized, which becomes good soil for the adoption of fateful decisions;
• Low inflation, declared Rosstat in the range of 3-5%, allows mortgage to "cost" a little more than 10%, and this number will decline next year;
• Stable dollar and oil exchange rate, from which the national economy mainly depends;
• Despite all the risks of mortgage lending, a rather large number of Russians and, with wealthy Russians, take a mortgage, stimulating banks increasingly appearing on this field. Therefore, it is necessary to stimulate even more than this sector of the economy;
• Little are built now. Yes, the percentage of the secondary is higher, but the construction industry greatly becomes great, it is necessary to start it, for it is clear that we will not give a mortgage under 6% not for each apartment or a cottage.

The difference between the main rate and rack of 6% under the conditions, the government represented by the Ministry of Finance will directly compensate for banks.
What will be the circle of these banks, while it is difficult to say, but, retreating from the topic, you can assure that the consumer actually will actually. It's like a CTP. The cost of the policy is the same, so what the difference, which insurance company has it to purchase it. In this situation, banks will be opposite to "hunt" to families who have 2 or more children, offering them to take a mortgage in favorable conditions.

Terms of Offer

This conditions are assumed to borrowers:

• Subsidium will be issued for construction in the primary or refinancing of an existing loan;
• The term of subsidies to persons with 2 children - up to 3 years, more than two to five years.

Those who have a second child or subsequent in 2018 can claim mortgage. To unambiguously say, this housing or demographic program is impossible, something rather than the average affecting a number of serisons of the national economy.
The algorithm for obtaining a subsidy is simple, with an already valid mortgage it is necessary:

1. Give birth to the 2018 child;
2. Establish an application to the bank - the borrower or to the one where refinancing will be;
3. Get a mortgage program and pay at the lowest rate.

Participate will be unambiguously, such banks like:

1. Sberbank;
2. VTB 24;
3. Delta Credit;
4. Raiffeisenbank;
5. Gazprombank;
6. Rosselkhozbank;
7. URALSIB;
8. Absolut Bank;
9. Revival;
10. Opening;
11. Bank Zenit.

Program prospects

Of course, all banks are currently very interested in participating in the division of state cake.

If in a meaningful time, that is, up to 3 years at two babies or 5 at three, the loan will not be fully repaid, everything will return to the level of those rates that will act in the bank - the borrower at that time. Year 2021 is still very far away and assume what will be the conditions for mortgage there, quite difficult.
According to experts, About half a million families will be able to participate in the mortgage loan subsidy program.

We also note that all social support programs applied earlier in mortgage lending will also be read in this scheme.

To this:

1. Program with maternal capital;
2. Credit "Young Family";
3. Military mortgage;
4. Mortgage in state employees.

Currently, mortgage loans receive citizens on the terms of the rate of 9% per year, and the following conditions are the most defining when choosing a mortgage bank:

• The amount of the minimum loan contribution;
• The term of the loan issued;
• The loan amount issued under the mortgage.

In order for the Bank to accept documents to consideration, it is necessary to make a number of actions:

1. Choose accommodation in the secondary market, property under construction or country house;
2. Submit documents to the bank;
3. Sign the mortgage insurance contract;
4. Pay proper interest on the loan.

Many banks have long placed a mortgage calculator on their websites, using which citizens can see the amount of overpayments of the credit institution, mortgage conditions and interest, which will have to pay the bank for the entire use of the loan.

Who benefits a mortgage under 6%

The introduction of the new program will not save the Russians from the independent search for a credit institution and from the choice of the most profitable sentence.

Another thing is that many Russians are currently burdened by mortgage to secondary real estate. Unfortunately, this program did not get the category of citizens.

In an effort to improve the investment microclimate and raise the demographic situation, the government went to a popular measure. Perhaps everything is dreaming about the apartment, but, judging by advertising from the TV, even those children, thanks to which to participate in the program will be possible.
Only the problem is that banks minimally give out a loan for 20 years, if we take quite averaged. And according to the statistics of Rosstat early repayments of mortgages in our country there are not so much. Simply put,

the preferential period of lending in the 5th maximum years is not able to shift the situation in the national economy into a positive channel.

Turns out that the main participants of the program will be thoseWho has already concluded a mortgage insurance contract with all conditions that will subsequently give the right to qualify for participation in the state program.
It is not known whether many Russians whose average income was 18,000 rubles / person. Or less became participants in mortgage lending on the security of primary real estate.
In the first review, it does not think so.
The fact that the program will help reduce the timing of mortgage payments several times, it is difficult to believe, and the same 6% will still find it.
Another question is that it is very an acceptable option for consideration of a loan refinancing application.
Not wanting to thicken the paint and not wanting to describe the situation with a mortgage in black colors, we note that this program is a consistent continuation of measures to improve the housing conditions of various segments of the population, including state employees and young families.They, as expected and become a moving force of the country's economy.

In 2022. it is planned to fold the Maternal Capital ProgramTherefore, that year, which is no longer outside the mountains, the next proposals on the mortgage should be expected and not only.

Latest news

There was a known exact list of banks in which you can get a mortgage under 6% under the program for issuing a preferential mortgage, which began on January 1, 2018. This list of banks that work collaborate directly with the state for this program and which are obtained directly from the state to subsidize the preferential percentage of mortgage. In other tanks, you can also get such a mortgage, but only under the condition that they are agents of one of these banks. So if there is no sharp need, it is better to turn directly to one of the banks presented in the list.

List of banks:

1. Public Joint Stock Company Sberbank of Russia
2. VTB Bank (Public Joint Stock Company)
3. Joint-Stock Commercial Bank "Absolut Bank" (Public Joint Stock Company)
4. Joint-Stock Commercial Bank "Russian Capital" (Public Joint Stock Company)
5. Gazprombank (Joint Stock Company)
6. Joint-stock company "Russian Agricultural Bank"
7. Public Joint Stock Company "Promsvyazbank"
8. Public Joint Stock Company Bank "Financial Corporation Opening"
9. "Moscow Credit Bank" (Public Joint Stock Company)
10. Raiffeisenbank Joint Stock Company Public Joint Stock Company
11. Bank "Revival"
12. Public Joint Stock Company Sovcombank Joint Stock Company
13. "Commercial Bank Deltacredit"
14. Public Joint Stock Company TranscapitalBank
15. Joint-Stock Commercial Bank "AK BARS" (Public Joint Stock Company)
16. Joint-Stock Commercial Bank "Investment Trade Bank" (Public Joint Stock Company)
17. Public Joint Stock Company "West Siberian Commercial Bank"
18. Public Joint Stock Company "Bank URALSIB"
19. Public Joint Stock Company Commercial Bank Center-Invest
20. Joint Stock Company "UniCredit Bank"
21. Joint Stock Company "Koshelev-Bank"
22. Joint-Stock Commercial Bank "Metallurgical Investment
23. Bank "(Public Joint Stock Company)
24. Joint Stock Company Bank Conversion "Snezhinsky"
25. Commercial Bank "Kuban Credit" Limited Liability Company
26. Prio-Vneshtorgbank (Public Joint Stock Company)
27. Russian National Commercial Bank (Public Joint Stock Company)
28. Joint Stock Company Bank "Northern Sea Path"
29. Joint-Stock Commercial Bank "Active Bank" (Public Joint Stock Company)
30. Joint Stock Company "Bank of Social Development of Tatarstan" Tatsozzbank "
31. Joint-Stock Commercial Bank Rosevobank (Joint Stock Company)
32. Orenburg Mortgage Commercial Bank "Rus" (Limited Liability Company)
33. Bank Zenit (Public Joint Stock Company)
34. Limited Liability Company Bank "Avers"
35. Public Joint Stock Company "Kursk Industrial Bank"
36. Public Joint Stock Company "Bank" St. Petersburg "
37. Public Joint Stock Company "New Investment Commercial Bank
38. Orenburg Industry Development Bank
39. Public Joint Stock Company "Far Eastern Bank"
40. Joint Stock Company Surgutneftegazbank
41. Public Joint Stock Company Commercial Bank "Ural Financial House"
42. Public Joint Stock Company "Severgasbank" Public Joint Stock Company BINBANK
43. Public Joint Stock Company "Moscow Industrial Bank"
44. Joint-Stock Commercial Bank "Energobank" (Public Joint Stock Company)
45. Public Joint Stock Company Bank "Kuznetsky"
46. Joint Stock Company "All-Russian Bank for Development of Regions"
47. Joint Stock Company "Agency of Mortgage Housing Lending"

Below is the Skan of the Order of the Ministry of Finance of the Russian Federation.