Mortgages for large families for construction. Conditions for granting concessional loans for housing construction. List of documents required

In Russia, it is very rare to find a large familybecause many parents are not quite ready to raise more than three children. But literally half a century ago, families who had only one child were considered an inferior family, and basically all families had more than three children, and parents were not considered necessary at all. At the moment, the situation has changed a lot, large families have become much smaller and the state has decided to somehow support them - to provide benefits and the opportunity to get an interest-free loan. Families with many children must know what a loan is and how it differs from a regular loan.

• What is a loan and what is it for

A loan is the provision of money for an indefinite period at an agreed percentage. All families with many children, according to russian legislation, are eligible for a mortgage decision on certain conditions of benefits. A loan, unlike a loan, can be completely without interest. According to the law, an interest-free loan for large families is provided for construction Materials and housing construction. To get an interest-free loan, you need to collect the entire package of necessary documents and walk through several offices, because this is a rather difficult procedure. Loans are usually limited, and this does not mean that you will be paid the full cost of housing, but you can get a certain amount.

• Required documents for obtaining an interest-free loan

It is worth knowing that an interest-free loan for large families is provided at the bank and in order to get it, you will need to collect a large number of documents: passport, income statement, certificate of ownership, car documents and others required documentsthat the bank will require. For large families, special concessions have been invented for obtaining a loan, and before taking such a loan, you should go through a consultation at the center of social protection of this population about your rights and special programs. Before getting an interest-free loan for large families, you need to contact the city administration and find out all the questions of interest on this topic.

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3 comments

1. Georgeloom says:
   

   I beg your pardon for interfering ... I am here recently. But this topic is very close to me. I can help with the answer.

2. SusanAxofE says:
   
3. Olga says:
   

   A very good solution is to give an interest-free loan families with many children.

For families with two or more children, Sberbank provides mortgage and consumer loans on more favorable terms. These benefits are associated with the launch of a state program aimed at helping large families in purchasing housing. Below is a more detailed discussion of such a program as a loan to large families in Sberbank.

Loan programs for large families

At the moment, Sberbank has several mortgage programs aimed at helping young families. Parents can take out a loan on more loyal terms according to contractual agreements. Especially if the parents receive an allowance () from state or regional authorities and these transfers are made through Sberbank. Families who have one child, and one member of which falls within the age range from 21 to 35 years old, can take part in the program government subsidies mortgages. The percentage of subsidies can reach 30% of the cost of housing, as well as + 5% for each additional child. When applying for a subsidy in due time, the money under this certificate can serve as an initial payment on a mortgage. One of the important conditions of this program is that the family must be on the list of those who need to improve their living conditions.

Most of the concessional loans that large families can use are mortgage programs.

The money received can be used for the purchase as well as, or on in the region of the Russian Federation, which carried out the family assistance program.

Conditions for granting a loan to large families at Sberbank

At the moment, large families have access to credit programs from 8.5% per annum... This interest rate applies only to housing under construction or housing in a finished new building. Also, this rate includes a discount from a construction company, for which the maximum loan term should not exceed 7 years.

For borrowers not participating in the subsidy program, the base interest rate is 10.5% per annum.

In addition to the purchase of housing in a new building, the borrower participating in the Young Family campaign has access to mortgage programs for the purchase of finished housing. For mortgage lending under this program for persons participating in government subsidy programs, an interest rate of 10.2% per annum.The above mortgage programs have the following characteristics:

• The minimum loan amount is from 300 thousand rubles;
• The maximum loan amount is 85% of the purchase price.
• The initial payment is not less than 15%.
• Base interest rate - from 10.2%;
• The maximum loan term is up to 30 years;
• Loan security is a pledge of the acquired housing or other residential premises.

You also need to understand that 10.2% is the base interest rate, which can be changed depending on the fulfillment of the following conditions:

1. +0.2 - if an initial fee from 15% to 20% (excluding the upper limit).
2. + 0.3% - if the client hasn't.
3. + 1% - if, in accordance with the requirements of Sberbank, the borrower refuses.
4. + 0.1% - if the client refuses to use the Electronic Registration Service.

Families with many children are provided, that is, those that can be used at will. There are also restrictions, for example, you can renovate your home for the loaned capital, but you cannot buy a new one.

Additional benefits for large families at Sberbank

Sberbank does not provide for a separate loan program "Mortgage for a Large Family". The largest number of benefits provided by the bank for families are associated with state or federal support. One of the most significant benefits for families with children is the ability to pay an initial payment or interest on a loan at the expense of maternity capital.

Important! According to the law, a family can pay interest on a mortgage with the help of the “Maternity Capital” funds, but according to the conditions established by Sberbank, this money can only be used to pay the initial payment.

Since 2017, a state program was launched to support a young family at the birth of a second and third child, which allows you to receive. IN in this case, benefits in the form of a reduced interest rate, as well as partial compensation, can now be used by both large families and families with two children.

Required documents for registration of a mortgage

Each parent must collect the package of documents below. This requirement is due to the fact that the spouse (a) automatically becomes a co-borrower on the loan. If the current income does not allow the young family to take the required amount in the mortgage, then they can additionally provide two more co-borrowers.

Each attracted co-borrower on a mortgage has the right to claim part of the acquired living space.

List of documents for registration of a mortgage:

• Russian passport (spouse and wife).
• Copies work books.
• References 2-NDFL. If there are additional sources of income, you should provide certificates confirming their presence.
• Confirmation of the down payment.
• Help on the composition of the family.
• A document confirming the status of a large family.

When the above package of documents is collected and, together with the corresponding statement, is transferred to Sberbank, then after that you need to wait for the bank's verdict. If Sberbank provides a mortgage loan (notifying the borrower in advance), the family may start looking for housing, which takes 3 months.

When the future housing is selected, then you need to collect an additional list of documents for this property and submit it to the lending department of Sberbank.

Additional documents for real estate:

• Contract of sale.
• Proof of ownership of the property seller.
• No restrictions on real estate objects (extract from Rosreestr).

Online calculator for calculating a mortgage loan for large families and other details

Taking a mortgage, the borrower must pay at least 15% of the loan amount at the first stage. If housing costs, for example, 3 million rubles, the bank can issue 2 million 550 thousand, that is, 85%. Depending on the level of income, such a loan can be issued for any period, but for a maximum of 30 years.

If the repayment of the initial payment on the mortgage will be carried out by means of maternity capital, then the parents should provide the appropriate certificate to the bank. Also, a Sberbank employee needs to provide a certificate indicating the balance money on the account.

In general, although there are no separate programs for large families, Sberbank supports given view borrowers by offering them various discounts. But for this, parents need to comply with certain conditions. More size information interest rate and online calculator, you can study.

Features of registration of a preferential loan for housing construction in 2019 are reflected in the legislation of Russia. Knowing them, you can easily build your own home with a minimum investment.

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A preferential lending program allows some Russian citizens to build their own residential building with minimum investment own funds. To participate in the program, you need to know about some features.

Main information

What it is

The term “soft loans for the construction of real estate” means a loan for Russian citizens provided by a state or commercial banking institution, the accrued interest on which is subsidized by the state.

A distinctive feature of the type of loan is considered to be loyalty to borrowers who have the right to independently choose the most optimal loan repayment period, including minimum size compulsory down payment.

Who can claim

The legislation of the Russian Federation provides for several categories of citizens who have the right to participate state program financing at low interest rates.

Any of these categories necessarily provides an established package of documents in order to confirm the possibility of using concessional lending and a certain level of solvency.

What regulations governed by

Concessional lending for home construction is regulated by many legislative acts RF, namely:

These laws include all the necessary information for the opportunity to take part in the state program.

How to get a preferential loan for housing construction

The mechanism for obtaining concessional lending is as follows:

1. Compliance with all conditions of the program.
2. Collecting the necessary documentation.
3. Contacting the authorized body.
4. Obtaining a confirmation certificate for participation.

On the basis of the received certificate, the participants apply to the bank for the purpose of registration mortgage loan... Contract mortgage lending can .

Terms of provision

It is easy to prove that you need to improve your living conditions. It is necessary to compare the available living space with the established standards. In 2019, the law established norms.

Minimum area:

When using municipal real estate, the minimum rate for 1 person is 1 sq. meters.

Servicemen have other standards:

Banking institutions are repelled from the established standards when approving a mortgage loan on favorable terms. Additional conditions are established for each category of beneficiaries.

For young families

The state program "Young Family" provides an opportunity to receive subsidies from the state for the construction of their own housing.

Citizens must meet the following conditions:

• russian citizenship;
• the presence of an official marriage;
• each spouse is less than 35 years old;
• be sure to be registered as in dire need of improving their living conditions.

Additionally, you need to confirm a sufficient level of solvency. It is important to remember that you can only use the benefit once..

In 2019, the monthly family income to be eligible for benefits must be no more than:

The legislation of the Russian Federation provides for a subsidy in the amount of:

The period for forming a request and submitting documents is from January to the end of July. The application must initially be submitted to the local municipality. After the approval of the request, the applicants will be included in the list of participants in the state program.

The period for consideration of the request is 15 days. Applicants receive notification of the decision by mail. After a positive answer, 1 month is allotted, during which it is necessary to contact local authority self-government to obtain a certificate.

Funds for the certificate are provided only in the next calendar year. The money is transferred to a bank account, from which the work of contractors is subsequently paid for and the mortgage loan is repaid.

A young family has the right to use maternity capital for the purpose of making an initial payment for a mortgage.

Large

The state program "Housing" for large families operates in all regions of Russia and is expressed in various subprograms. The program makes it possible for large families (if there are 3 or more children) to issue a subsidy for individual housing construction.

The money is used to pay under a work contract or to pay off a mortgage loan.The main package of documents includes:

• passports of each adult family member;
• certificate confirming status;
• documentary evidence of registration in order to improve living conditions.

Upon approval of the application, the amount of the subsidy is calculated.

The amount directly depends on:

• the established regional standard;
• the number of minor children in the family;
• normative living space, which is established for large families under a social employment agreement;
• the available living space of a large family (it does not matter municipal or own);
• market cost of 1 sq. meters of housing in a particular region.

State aid can be used to pay for a mortgage loan or part of the cost of housing construction.

Military personnel

Servicemen citizens under a contract who participate in the accumulative mortgage system are eligible for preferential mortgage lending.

The main conditions for military personnel are considered to be:

• age must be between 21 and 45 years old;
• permanent registration at the place of their residence;
• the ownership of a land plot or a house that is under construction for the purpose of transferring a mortgage on a loan;
• have life and mortgage insurance.

For military personnel preferential mortgage at 10.5% per annum. All mortgage payments are made by the state as long as they serve under the contract.

The main terms of lending include:

Terms and conditions may vary depending on the financial institution.

List of documents required

The management of the preferential regional Fund must provide:

• a statement drawn up according to the established model;
• documentary evidence of the required level of solvency;
• a certificate of family composition;
• documentary evidence of registration in order to improve their living conditions;
• passport of each family member + copies of all completed pages;
• birth certificate of a minor child - original + copy.

Additional documentation highlights:

• written consent of the authorized body for individual housing construction;
• extract from the Unified State Register for land plot for individual housing construction;
• design and estimate documentation;
• document confirming equity (presence) of the applicant.

The authorized body may require other different documentation in order to confirm certain information.

Which banks can I contact

Each bank has its own credit conditions. Consider bank offers in a comparative table:

Government program	Banking institution name	Down payment amount + annual interest rate	Lending period, years	Maximum loan amount, million rubles
Mortgage for a young family	Sberbank Raiffesenbank Rosselkhozbank	20%/11% 0%/12% 0%/13%	30 25 30	From 0.3 26 20
Mortgage under the state program for the construction of housing	Sberbank VTB 24 Raiffesenbank Rosselkhozbank	20%/11,5 – 12% 20%/11,5% 20%/11,6-12% 20%/11,5%	30 30 25 30	8 8 8 8
Military mortgage	Sberbank Rosselkhozbank VTB 24	20%/12% 20%/11,5% 15% / from 12%	20 23 14	2 2,2 2

Most the best option lending is chosen by the borrowers themselves.

Early repayment of a loan

The main document regulating the possibility of early repayment of a loan is a loan agreement. Financial institutions can set conditions under which early repayment it is possible only after a year or after the payment of half of the debt.

• it is recommended to notify the creditor in writing about the intention to repay debt obligations ahead of schedule after a certain period;
• it is better to pay the entire remaining amount of the debt on the day when obligatory payment under contract.

Advantages and disadvantages

The main benefits of taking part in preferential program it is considered:

• the presence of a reduced annual interest rate;
• the loan is provided for the intended use;
• availability of government assistance in repaying debt obligations on a loan;
• there is a possibility of obtaining credit holidays if necessary.

Preferential loan for housing construction is a loan for individuals in commercial and state banks, interest rates on which are subsidized by the state.

The peculiarity of each such loan is the maximum loyalty to the borrower, who can choose the maximum loan maturity, as well as the minimum amount of the down payment.

Benefits of concessional loans

It is drawn up by military personnel:

• Over 21 but under 45;
• Permanently registered at the place of residence;
• Owning a plot of land or a house under construction to register a loan collateral;
• Have taken out life insurance and mortgage.

In 2017, the preferential mortgage rate for the military was 10.5%. During the entire time that a soldier is serving under a contract, the state pays the current mortgage payments.

For registration soft loan at the bank it is enough to present the NIS participant certificate. After being fired from the ranks of the Armed Forces of the Russian Federation, the citizen continues to pay the mortgage, but at his own expense.

Former military

Those who were dismissed from the ranks of the Armed Forces of the Russian Federation due to age or health status, as well as due to staff reductions, will be able to get a preferential mortgage.

To do this, you must register no later than 6 months after dismissal.

The minimum term of service for such borrowers is 5 years (years of full-time study are not included in this period). Loan rate - 10.5%, maturity - up to 20 years, amount - up to 90% of the cost of housing.

Young professionals

In rural areas, there is an acute shortage of qualified specialists everywhere: doctors, teachers and others.

In order to attract them to vacant jobs, the state implements special programs for graduates who:

1. Have already received a diploma or are preparing to receive it, not older than 35 years.
2. Employed in the countryside by profession.
3. Permanently registered in this locality.

The specialist will have to work out the subsidy received from the state for the purchase of housing or its construction - at least 5 years.

The main condition for participation in the program is the need for housing.

The subsidy is issued by the municipality in the form of a certificate. You can spend this money only to pay off a mortgage loan, issued on individual housing construction.

Special conditions are provided for rural teachers, and doctors in rural medical institutions receive housing subsidies under the Zemsky Doctor program.

The procedure for obtaining a loan for housing construction

The key point when applying for a state subsidy for individual housing construction is proof of the need for housing.

It is not difficult to prove the need for additional living space. It is enough to compare the available living space with the standard.

So, for 2018, the following norms were in effect:

1. The minimum area per person is 6 sq.m.
2. Minimum for 1 person - 33 sq.m .;
3. Minimum for 2 people - 42 sq.m.
4. Minimum for 3 people or more - 18 sq.m. for everyone.

If we are talking about a municipal apartment and each has less than 10 sq. M. living space, that is, all the grounds for registration.

At the same time, the military is guided by a different standard:

• A family member of a serviceman has at least 18 square meters;
• The serviceman himself is entitled to at least 15-25 sq.m. (one lives or with a family).

How to get a loan for individual housing construction

First, you should choose a specific bank where you will apply for a loan for individual housing construction.

The bank must be a participant in the state program for subsidizing low mortgage rates.

Banks themselves approve the list of documents that a potential borrower must submit with the application. All submitted documents are carefully checked, it turns out credit history client, and then a decision is made - to give a loan or to refuse.

By providing a firm return guarantee borrowed money, you can expect to receive bank approval.

Such guarantees are:

1. Building land.
2. Proof of stable income, enough to pay off monthly installments.
3. No past due loans.
4. Guarantee of clients with stable income and good credit history.
5. Insurance of the mortgage object.

The bank may require any specific guarantees from this list, or all at once.

The interest rate on the loan directly depends on the guarantees provided. The more there are, the cheaper the loan will be.

What documents are required

Since the future borrower is applying for a loan under the state program, before applying to the selected bank, you should apply for registration at the place of residence.

The documents are submitted to the management of the preferential Fund of this constituent entity of the Russian Federation.

The documentation package includes:

1. Application of the established form.
2. Income certificates for each household of the borrower for the past 0.5 years.
3. Help on the composition of the family.
4. Confirmation of registration as in need of housing.
5. Copies of passports, TIN, marriage certificates, birth certificates of children, work books of all adults.
6. Passports, certificates of income and TIN of guarantors.

As a rule, the extended package of documents, which is approved in each individual settlement, includes the following papers:

1. Permission for individual housing construction.
2. Extract from the Unified State Register of Legal Entities for land under IZHS
3. Construction project.
4. Estimate.

Early repayment of a loan

The sooner a bank loan is repaid, the cheaper it will cost in the end.

Banks are not interested in early repayment, but they have no right to prohibit this to their clients. However, this point should be clarified in the bank before signing the contract. Some include in loan agreement clause according to which a fee is charged for early repayment.

In all cases, it is the contract that is the main document, which covers all issues of loan repayment.

For example, a bank can set a condition according to which the client will be able to pay off the mortgage ahead of schedule not earlier than a certain period, say, only a year later, or after half of the debt has been paid.

1. Notify the bank in writing of their intention to fully repay the mortgage in 30 days.
2. To contribute full repayment best of all on the day when the next payment is established under the contract.
3. Get a certificate from the bank about the absence of debt and about the closure of the contract.

Find out exactly the amount to be repaid, since a debt of even 1 kopeck will be considered.

According to the results recent years, preferential mortgages are most actively issued in Sberbank, Rosselkhozbank, Alfa-Bank, VTB-24 and others included in the state program "Housing".

The terms of preferential lending to these organizations serve as a vector for all other credit institutions.

Dear Readers!

We describe typical ways of solving legal issues, but each case is unique and requires individual legal assistance.

For a prompt solution to your problem, we recommend that you contact qualified lawyers of our website.

Last changes

Since 2018, a new state credit program has been launched, called "Family mortgage with state support at 6%." It is available to families in which 2, 3 or the next child will be born from 01.01.2018 to 31.12.2022.

Basic conditions:

1. Provision of borrowed funds with government subsidization of interest on loans in excess of 6% per annum.
2. The money can be used to purchase housing in new buildings or to refinance existing ones mortgage loan.
3. The contract for the sale and purchase of real estate must be concluded only with legal entities.
4. The maximum loan amount is 3 million rubles, for cities of federal significance - 8 million rubles.
5. Subsidization period - up to 3 years at the birth of the 2nd child, up to 5 years - at the birth of the 3rd. If during the program the 2nd and 3rd child appears in the family, state support occurs for 8 years.

Our experts monitor all changes in legislation in order to provide you with reliable information.

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Preferential housing loan

February 17, 2017, 03:40 Mar 3, 2019 13:50

In the Russian Federation, there has long been a preferential loan for the construction of housing for young families, the age of whose members does not exceed 35 years. This program is called "Young Family" and it has been introduced since 2006.

There is a state and non-state lending program operating in all regions. There is quite a big difference between them. Let's figure out where it is better to contact a young couple if there is simply not enough money to buy / build their own home.

Benefits of a soft loan over a standard mortgage

• Annual interest rate understated / absent.
• Target loan: for construction, purchase, restoration of housing.
• Availability of credit holidays, delays.
• There is no need to confirm income.
• Government assistance and responsibility for loan repayment.

Social program and bank mortgage: comparative characteristics

• Government program.

It is not easy to be among the applicants for help from the state. It is necessary to meet a number of requirements, collect a package of documentation and take it to the local executive authority, administration. You will be registered, then you will have to wait for your turn.

Of course, the state program is more reliable, because the state agency is responsible for lending, and not private bank... But not everyone will be given a loan for the social program.

You will also have to limit yourself in the area of \u200b\u200bthe future apartment or house.

A big plus of the state program - profitable terms on lending: attractive interest rates, affordable loan maturities.

• Bank mortgage.

The bank can get a preferential loan for those who were denied under the social program. There are no restrictions on age and other parameters. In this case, the government will not be responsible for the transaction, but the guarantor bank itself.

Banks allow lending to real estate large in area. There are no limits on this issue. But the interest rate in the bank will be higher and the mortgage repayment time will be shorter. So think carefully in advance whether you can pay off the borrowed money on time, so that later you will not be left without money and without housing.

Thus, the state program is more reliable and economically profitable, interest can be paid within a reasonable amount for a longer period of time. But those who do not fall into the categories of the population claiming for affordable housing have only one way to get a soft loan - to contact a bank.

On preferences for residential mortgage the state can count on:

• young cells of society in which the age of the husband, wife is not older than 35;
• military,;
• family members of a deceased, deceased, missing person upon reaching the age of 18;
• victims of the radiation disaster (at the Chernobyl NPP and others);
• in need of living space;
• all others eligible for social. housing, for example, young professionals with higher professional education and experience less than the established limit.

Poorly provided people in need include:

• parents with many children (with at least three children),
• (and gr.),
• citizens living in a hostel / other unsuitable for permanent residence for more than 10 years,
• laureates of presidential prizes,
• employees of the court and prosecutor's office.

But even if you find yourself among the listed categories, this does not mean that favorable loan housing is already in your pocket.

Important! When applying for a loan, make sure that the desired area of \u200b\u200bhousing will not exceed the required allowable standard per person. Otherwise, you will have to compensate for the excess costs yourself.

Documentation package

To apply for a preferential profitable government credit for housing on a mortgage or a work contract, the borrower will have to collect the following papers:

• original of your passport;
• marriage certificate;
• insurance plus her photocopier;
• a copy of the labor of each family member (if employed);
• metrics of children (this is an important point, since the percentage will directly depend on the number of underage offspring in the family);
• an extract from the tax office on income for each family member;
• borrower statement.

The set of documentation is standard. The bank may include other securities in it. This could be:

The term for consideration of the documentation is one month. Then a written answer will come. The amount of the subsidy will depend on regional standards, the number of offspring, the cost of 1 m² in the constituent entity of the Russian Federation, the area of \u200b\u200bexisting housing.

Conditions of concessional lending

This program is implemented by various banks, the most popular of which are:

• Promservicebank,
• Sberbank,
• DeltaCredit,
• Rosselkhozbank,
• VTB 24,
• Nordeabank.

Favorable conditions are also offered by other banks: Sovcombank, Tinkoff, Alfa-Bank, Renaissance Credit (you can borrow up to 500 thousand rubles), Otkritie Bank, VTB Bank of Moscow (up to 3 million rubles), Yar bank (up to 1 million rubles). rubles), SKB Bank (up to 1,300,000 rubles).

Conditions vary: the rate is affected by the size of the initial payment, currency, loan term.

The loan is given for a period of 20 - 50 years, you will have to immediately deposit at least 10% - 20% of the amount at 7-15%.

At the birth of a child, the loan is usually extended to 3 years.

When choosing a bank, pay attention to the slightest nuances. Conditions can also vary greatly from region to region. Here are the approximate lending conditions in different banks among the most reliable.

Examples of lending in different banks

• Sberbank

In Sberbank, you can get a mortgage for up to 30 years. Minimum loan - 45 thousand in rubles, $ 1.4 thousand, € 1 thousand. The rate in rubles is quite high - 11%. In foreign currency, the interest is lower, but the loan will need to be repaid earlier.

• VTB 24

VTB24 also installs quite high percent per annum - 11%, and subject to state support. The loan term is much longer - up to 50 years. Another advantage in comparison with the previous bank is a large threshold for entering a mortgage - 20% of the price of the future home. Insurance is required.

• DeltaCredit

This bank has a special program "Mortgage for the Young" for families where the age of each spouse is not more than 35 years old. At the birth of a child, a deferral of payment is given on the body of the loan, so that the borrower for some time can only pay interest.

How do I calculate the interest rate?

Let's make an approximate calculation of the interest rate and monthly payment to DeltaCredit. With a loan of 1 million rubles. at a preferential rate for a period of up to 15 years with a base rate of 0.5%, the loan will be 700 thousand rubles, the rate is 13.75% per annum, the monthly payment is 9221 rubles.

Housing loan secured by maternity capital

Maternal capital - targeted payment for the needs of the child, strictly controlled by the state. It can be spent on a limited number of family needs, including the construction / purchase of housing. The mother (or in the event of her death, deprivation of parental rights - another legal representative of the child) writes a statement and partially repays the loan from the amount allocated for the child.

Important! Mortgage under the mother capital does not exist without a down payment!

The balance of the loan turns out to be feasible even for the poor young cell of society. Both the adoptive parent and the child can declare in the event that the parents have terminated their rights to maternity capital.

Important! Maternity capital is not issued in cash, so many people contact various dubious companies offering cashing out for a certain amount. This should not be done. It is better to turn to the state and reliable banks cooperating with a preferential social program for lending to young families.

Banks issuing preferential loans under the mother capital

You can take a mortgage under the state program using the mother capital in the following banks:

• Sberbank: at 13.5 - 14.5% per annum, the loan amount is unlimited up to 80% of the real estate price, the first installment is 20% (at least 1/5 of the cost).
• Rosselkhozbank: at 12.25 - 22.53%, from 100 thousand to 20 million rubles, initial payment - 10 - 20%.
• VTB-24: at 12-14.5%, from 1.8 to 30 million rubles, the first installment is 15-20%.
• Gazprombank: from 11.35%, 100 thousand - 8 million rubles, down payment - 20%.
• Delta Credit: from 11.5 to 15.5%, the loan amount is unlimited up to 85% of the real estate price, the first installment is 15%.
• Bank of Moscow: from 12 to 14%, the loan amount is unlimited, up to 80% of the real estate price, the first installment is 20%.

First of all, these are mortgages. Usually citizens buy finished house or an apartment. Less often - they borrow money for construction / reconstruction and partially repay the loan at the expense of the capital. With the same success, you can invest a certain amount from the mother capital in order to purchase an apartment in an apartment building under construction.

Reconstruction is not just a major overhaul, but modernization of housing with a mandatory increase in living space.

Remember that the purpose of the loan should be included in the list of possible purposes for using the mother capital, otherwise you will be refused to repay it through subsidies.

What is not on this list?

• Buying land for building a house.
• Any consumer loans, even if you spent money on construction.
• Loans without special purpose.
• Shares in an apartment, house, except for cases when you already own some part of the housing and, buying out another, the family becomes the sole owner, thereby improving and expanding living conditions.
• Dilapidated, dilapidated housing. Rooms in basements, no windows, etc.
• Separately standing houses without walls and roof.
• Change houses, suburban trailers (no signs of capital construction).
• Buildings that violate the current rules by their location or arrangement.
• Houses above 3 floors intended for 2 or more families.

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