Restructuring mortgage with the help of the state requirement. State assistance in restructuring mortgage loans by the population. Who can apply for state assistance

Credit services have become a real salvation, if you need to promptly obtain the required amount of money, in the acquisition of expensive services, products. However, the loan design always concludes a commitment to pay debt with interest, and in case of violations of lending conditions, the debtor is subjected to sanctions, forced to pay penalties and even falls under the trial.

Today there are several ways to solve the issue with debt on loan agreements, even large. Even if the payments have become a heavy burden for a citizen, legal advice and various refinancing options will help to solve the issue - how to avoid fines and court proceedings and not get into the blacks of debtors.

The most relevant issue of refinancing and restructuring credit debt is for mortgage loan holders. These are the most expensive and long-term transactions, the penalty for which can be too low for most payers. What if you have issued a mortgage, and after some time, the chances of a timely payment of the loan disappeared because of dismissal, a long disease or due to reducing income levels?

The mortgage restructuring in Sberbank 2019 will help in a timely and competently resolve the issue of debt on a large credit loan. The mortgage as a result of new agreements undergoes restructuring and payment can be reduced in several ways. The excellent offer from Sberbank has already accepted as an option to correct the situation with the debts many borrowers. We will tell how the similar option is drawn up and how you can improve your credit history by handling Sberbank.

First, it is important to understand what the essence of the method of restructuring itself is. This is usually a special discharge banking service, its main focus is to contribute to the payment of bank debts and the fulfillment by citizens of all the obligations under the mortgage.

In the event of your consent to restructuring and registration by the Bank of this format of contractual relationship, the situation is developing in the following course:

1. The customer-holder of the mortgage loan can with confidence expect to reduce the monthly loan payment amount. This will significantly facilitate its financial burden and consistently to pay. Payments on the "body" of the credit sum and the payment of only interest is carried out, at least for the period under discussion.
2. In the future, the so-called prolongation of the entire period of mortgage debt is prescribed. The payment schedule is revised, the Bank together with the client comes to an agreement on the urgency of all payments. As a result, the loan agreement is reissued for several years longer, but payments from the borrower will be applied stable and without failures. This decision is particularly relevant for employees of seasonal enterprises that are financially dependent on their wage paid to uneven shares.
3. The total interest rate under the contract is reduced.
4. Claim changes in payments periods. For example, they become not monuless, and once a quarter, with a total reduction of the amount. Given the reduced rate, the total amount of debt will be paid much faster.
5. It is also possible to reissuate the contract with a change in the currency of payments, if the overall economic background in the country is unstable and depends on the fluctuations in exchange courses.

It is important to take into account that if the payers do not prevent the bank about the impossibility of making another payment on time, they are expected by regular penalties, sanctions and accrual interest in total. In some cases, they are canceled, especially when approving a new payment structure. Sberbank offers several paths for restructuring, which option to choose the client - decide together both sides.

State apparatus also takes measures to resolve problems with mortgages debt. For example, the Decree of the Government of the Russian Federation of December 7, 2015 No. 373 states that the government seizes willingness to assist in the design of restructuring to several categories of the ardents:

• families from the category "Large" in the presence of minor children;
• if parents or guardians have children with disabilities in care;
• citizens with disabilities;
• war participants, host veterans.

For the implementation of these intentions in Russia, a special lending agency for housing and mortgage purposes (AHML) was opened. When contacting this organization, Sberbank-lender transfers all the debtor's obligations to an employee who oversees the debt issue already in the agency. Therefore, by and large, citizens are paid after restructuring their mortgage debt is no longer an bank, but to the state. But in case of failures in paying the contract again returns to Sberbank, and citizens who violated agreements with the state will have a matter directly with creditors.

An additional restructuring program, which is offered by the state, is available in Sberbank under certain conditions:

• with a decrease in the debtor's income by 30 percent or more;
• with increasing mortgage payment by 30 percent and more (for example, if it was framed in the currency and the rise in price of this type of currency);
• if the payment absorbs almost all family facilities and eventually remains only the sum of less than two subsistence minimum levels;
• if more than 1 year has passed since the loan design;
• if during the first year, the mortgage payments were not overdue and debts.

As you can see, the conscientious fulfillment of their obligations practically guarantees the chances of restructuring in Sberbank. What opportunities to borrowers are opened in the case of refinancing? These features may be the following scenarios for the contract:

• money allowance in the amount of 10% - from the balance of the loan, but not more than 600 thousand;
• decrease in interest to a level 9.5-10%;
• reducing a monthly contribution up to 50% to 1.5 years. This agreement is achieved through mortgage prolongation or with a decrease in interest rate.

With all his loyalty, Sberbank also has its own conditions for the living space, for which a loan is paid, because it is a debt object:

• The entire room should be renovated and suitable for living;
• Redevelopment and any illegal operations that reduce the initial cost of housing;
• The size of the area should not exceed the permissible level: 45 square meters for 1-room apartment, 65 meters - for two-room and 85 - for three-room (except for large families);
• The cost of 1 square meter is not higher than 60 percent of housing in the region, that is, the living space is not elite;
• If the payer does not have another housing in possession (except for equity ownership).

Package of necessary documents for restructuring

Do you need mortgage restructuring in Sberbank 2019? And there were material difficulties? Take advantage of our recommendations and assemble the list of papers listed below to submit an application to the Bank:

• passport of a citizen of the Russian Federation;
• personal statement with the signature;
• completed form;
• certificate or other document confirming the emergence of material problems;
• certificate of ownership of real estate;
• extract from the house book;
• previous Mortgage Credit Credit Credit for Payments;
• other papers (at the discretion of Sberbank).

When submitting all necessary documents, representatives of the bank will be faster to considerse the application and with high probability approve restructuring. What advantages can be learned from this situation?

• Receiving credit holidays when you pay only interest;
• cancellation of fines on the proceedings;
• lengthening the mortgage period and reduce all payments;
• make changes to the payment schedule and recalculate the total amount;
• translation of the sum of the mortgage of the currency in rubles, if the loan was currency.

In general, the rationale for a positive solution is very dependent on the individual characteristics of each situation. When refusing the bank is not obliged to give explanations for reasons.

Benefits of restructuring in Sberbank

The main thing in the situation of restructuring is the conservation of the housing in the hands of the owner and a reduction in the loan as a whole, that is, the borrower retains the previous lifestyle, receives a time reserve for resolving its material problem. The cargo on the family decreases, overpayments are reduced or eliminated. The budget background is restored, but it is important to remember that the mortgage is extended for a certain period. However, another advantage is that the credit history of the citizen is restored and remains positive.

Disadvantages of restructuring in Sberbank

Restructuring, at first glance, there are no shortcomings. But they still exist:

• The general sum of duty (that is, the body of the loan) is not reduced. You install installments or postponement for payment, and in conditions of lengthening the loan is formed, one way or another, some overpayment, sometimes substantial;
• In the conditions of mortgage vacation, the debtors are "relaxing" and do not worry about improving their material situation. When the grace period ends, a crisis situation may occur and the debt is difficult to pay;

If difficulties with finance continue, you can contact the state structure for help with restructuring.

Restructuring Mortgage from Sberbank

Not every Russian has sufficient funds to buy housing, so many have a mortgage.

In modern conditions, the crisis pay bank loans is hard. In addition, unexpected financial difficulties may arise in life - work loss, sudden illness, etc. How to be if you can no longer pay a mortgage on the previous conditions? How not to lose money and roof over your head? Read further.

What is a mortgage loan restructuring?

In essence, this is a change in the terms of the loan agreement. Restructuring is aimed at ensuring that the borrower is easier to give debt. It can be expressed in reducing the interest rate on the loan or increasing the period of its repayment. Most often, restructuring is carried out in the bank, which approved a mortgage, but can be carried out in another credit institution.

The essence of the procedure is to prevent delay in payments. Consequently, to apply to the bank must be required until the issue of debt. If you do everything on time, it will allow you not to spoil the credit history and not lose the housing, which is the subject of pledge.

Note one nuance.
If you have issued an agreement on mortgage restructuring until May 31, 2017, you can count on financial assistance from the state. This rule is written in the Decree of the Government of the Russian Federation No. 373 of 04/20/2015

Timely restructuring will avoid penalties and loss of living space.

Procedure for restructuring

First of all, you need to write a corresponding application to the bank and attach a number of documents. The credit institution will consider the presented paper and will decide.

If the bank approved your request, the procedure is carried out in one of two ways:

1. there is a new loan agreement between the parties;
2. amendments are made to the existing contract, which are issued by an additional agreement.

Usually, a new contract is not lies, but an additional agreement is signed. It is convenient because it is not necessary to re-evaluate housing.

The restructuring of the mortgage is issued by the add-capacity.

If the bank considers you insolvent, it will refuse the mortgage restructuring. In such a situation, it is worth waiting for the appeal of a credit institution to court and forced debt collection. The only opportunity to get rid of financial claims is.

After restructuring, you will install a new payment schedule. If it was still possible to make compensation from the state, the amount of debt will decrease into the amount of this compensation.

Conditions and requirements for mortgage housing

Each financial institution establishes its mortgage-housing requirements. These are usually certain restrictions on the area (federal standard -18 sq.m. per person).

If you want to receive compensation from the state, you must follow two conditions:

1. total area of \u200b\u200bdwelling - 45 sq.m. For one-bedroom apartment, 65 sq.m. For two-room, 85 sq.m. For a three-room;
2. the difference in the value of one square meter of mortgage housing and typical housing in the region is no more than 60%.

Required documents

Paper that will need a bank for restructuring can be divided into three main groups:

1. personal documents of the borrower - a copy of the passport, a certificate of family composition and income;
2. concerning a mortgage loan - a copy of the agreement, the details of the client's account, the payment schedule;
3. for a mortgage apartment - a technical passport of residential premises, an extract from EGRN (from 2017 it is used instead of a certificate of ownership).

The bank may require other documents, so it is better to first clarify the list in the department.

Methods of restructuring mortgage

The procedure has several varieties depending on the needs of the borrower and creditor requirements. In the application you can specify the most preferred method, but the last word remains for the bank.

Prolongation

In fact, it is an increase in the period of paying a loan with a simultaneous decrease in the size of the monthly payments. With a temporary reduction of income, such an option is beneficial. But it should be borne in mind that the total amount of debt will increase, because the longer the mortgage, the more monthly payments will be required. Therefore, we recommend to pre-calculate how much the option will cost.

Credit prolongation will increase the total amount of debt.

Some banks provide customers with the opportunity to combine loans decorated in other financial institutions (consumer, car loans, etc.), with a mortgage loan. In this case, the client will pay money to one institution, which is very convenient.

Early repayment

Any citizen who took the mortgage loan in the bank, has the right to return it ahead of time. If the bank does not agree to accept the balance of debt, you have the right to apply to the court.

You can return the money in two ways:

1. pay off the balance of the debt completely;
2. policy only part of the loan.

Many credit institutions use penalties for mortgages. Therefore, it is necessary to carefully read the credit agreement, otherwise the benefit from refinancing may be minimal.

If a fine is installed for early repayment of the mortgage, the option is not suitable for you.

Credit holidays

This is a delay in payments. It allows you to skip a few payments, or pay only interest on the loan without paying the principal debt. To take advantage of this service, you need to have a good credit history.

A legitimate way is not to pay a mortgage of six months.

State Mortgage Restructuring Program

As mentioned above, if the contract with the bank on restructuring was signed until May 31, 2017, the borrower has the opportunity to count on the state assistance in debt repayment.

Who can get help from the state?

The right to design benefits are:

• citizens who have children under the age of 18;
• disabled or parents (guardians) of children with disabilities;
• combat veterans;
• persons having dependents-students under the age of 24, students studying on a full-time program.

You can receive state support if:

• the average monthly income after payment of the mortgage contribution does not exceed two subsistence minimums for each family member;
• the borrower has no other housing, except acquired on credit.

How much can you count on?

In the framework of the state program on the restructuring of the mortgage, you can get a certain percentage from the debt balance at the time of the conclusion of the request:

• 20 %

This is possible if the borrower has one child under the age of 18 years or he has a challenge a student a bowl under 24 years old. The maximum to which you can count - 600 thousand rubles.

• 30 %

It is provided to persons who are on dependent two or more minor children who have disability that are the parent of a disabled child or a veteran of hostilities. Maximum compensation amount - 1.5 million rubles.

Financial assistance to mortgags from the state - from 600 thousand rubles. to 1.5 million rubles.

Restructuring Mortgage in Sberbank

Sberbank provides several ways to restructure a mortgage loan:

• delay by payment of the principal debt or interest;
• increase in lending period;
• changes in loan currency.

If you wish to start a procedure, apply to the bank. You can fill it on the official Sberbank website, it is not necessary to attend the office personally. In addition to the application, you will need:

• passport indicating the place of registration;
• if the temporary is registered, take a document on registration at the place of stay;
• certificate of income (in the form of 2 ndfl or the form of the bank);
• documents on mortgage housing;
• credit agreement details: the number and date of the conclusion, the period of action, the amount and currency of the loan, the interest rate and the amount of the monthly payment;
• bank details.

Restructuring Mortgage in VTB-24

The VTB-24 Bank offers restructuring of mortgage debt as part of its credit refinancing program. The borrower is given the opportunity to reduce the interest rate. It depends on the cost of housing and the remainder of the debt on the loan.

It is also possible early repayment of the mortgage without any penalties. VTB-24 offers refinancing of a mortgage loan without providing information about income. Rate - 10%, loan size - up to 30 million rubles.

Requirements for the borrower are similar to the fact that Sberbank puts forward. To confirm your income, you can take a certificate:

• in form 2-NDFL;
• in the form of the bank;
• in free form.

If you want to issue refinancing, you can immediately make a calculation and leave an application on the official website of the bank, after which a specialist will contact you.

If you do not know where to start the restructuring of the mortgage, contact a lawyer for help. He will tell you whether you can qualify for state aid, and will also prepare all the necessary documents for submitting to the bank. With the support of a specialist, the restructuring of the mortgage will be held quickly and painlessly, and your credit history will remain flawless.

Getting a mortgage loan is salvation for a variety of Russians in need of housing. The amounts required for the purchase of their own apartment or at home are sometimes so great that it is difficult to buy real estate on their own. The restructuring of the mortgage with the help of the state is a rational solution of the housing issue.

The crisis state in which the country's economy is the last few years, affect the well-being of people. The conditions for repayment of the mortgage, which and without economic difficulties were severe, become an unbearable burden for many families. In such cases, large banking organizations offer the mortgage restructuring service.

What is mortgage restructuring

The restructuring of the mortgage loan helps borrowers to get rid of themselves from the status of the debtor in the case when the loan quenching is difficult. The conditions for restructuring provides for the variability of the amounts of the monthly payment, the timing of payment. This service can take advantage of all payers suitable for the terms of the program.

In the process of restructuring, the parties revise the previously concluded loan agreement. The purpose of the revision is to make changes that are primarily borrower. In confirming the temporary financial difficulties, the Bank goes to meet, watched by the AHML order. The steps of the credit institution performed to fulfill the borrower of credit conditions may be as follows:

1. Extending the loan period. This entails a decrease in the size of the monthly payment. It is worth remembering that an increase in the term entails an increase in the amount of interest paid, but sometimes this option is the only possible.
2. Reducing the interest rate. Perhaps in the event that the level of development of the credit organization and the economic situation of the country allows this to do this, for example, when the rate of the Central Bank was reduced after signing the contract. The size of the savings received by the borrower is insignificant on a monthly scale, but the amount saved in the year may exceed the size of one payment.
3. Change the currency of the loan payment. Since the decline in the ruble exchange rate is directly related to the financial situation of many borrowers, the bank may decide towards dollar payments.
4. Change the repayment schedule. The lender can offer an option with a change in payment amount for a certain amount of time: for 6 months, per year. This time is enough for the financial situation of the borrower stabilized. It is possible to reduce the amount of payments up to 50 percent.
5. Providing credit holidays. The average period is 6 months. During the holidays, the borrower pays only the main debt, on the payment of interest it is released at that time. In some cases, a complete exemption from making payments for a specified period is possible.

The restructuring of a mortgage housing loan is a competent solution that makes the benefit of both parties of the transaction. The bank is guaranteed to continue to receive payments, the borrower retains a "clean" credit history, without falling into the list of debtors. The existence in the banking market such services justifies itself. It is important not to save debts, but in a timely manner to contact AHML asking for state support.

The role of state

Borrowers who need the help of the state conclude a new mortgage agreement with the banking organization. This happens after an appropriate request from AHML is received, where a citizen must apply with the assistance of the bank. The agency's activities regulate legislative acts, since this organization is a federal project implementation operator.

The last document signed by the Chairman of the Government of the Russian Federation, Dmitry Medvedev, dates back to July 25, 2017 (decree of the Government of the Russian Federation of July 25, 2017 No. 1579-P). The program provides for the spending of 2 billion rubles to assist citizens who have in a difficult financial situation and have difficulty repayment of a mortgage loan. The conditions of the program are spelled out in detail in the decision of 20.04.2015.

If the borrower meets the requirements of the program, then it can count on support from the state in the form:

• interest rate reduction: maximum indicator - 12%;
• write off part of the main mortgage debt (but not more than 200,000 rubles);
• suspension of payments for a certain period;
• incomming commissions related to the restructuring procedure;
• changes in currency.

For payers, participation in this program is completely free. Property, which is pledged by the Bank, must comply with the requirements:

• not to be elite housing;
• an area of \u200b\u200bone-bedroom apartment is no more than 45 square meters;
• square 2-room - no more than 65 square meters;
• the size of the three-room apartments is not more than 85 meters.

The apartment, which is pledged by the bank - creditor, for example, Sberbank, is the only housing of the borrower. In case, in the family, three and more children under 18 years old, the requirements for the area of \u200b\u200bthe room are irrelevant.

After applying to AHML, the borrower who received a positive decision again appeals to the bank, where the parties in the contractual order choose the restructuring option. A new contract will allow the citizen to fulfill its loan obligations to the fullest, but with a small delay. Mortgage Housing Lending Agency (AHML) will list the means of funds in the amount of concession made by the borrower.

Who is given help

Not every citizen can become a member of the state program. The Agency places a number of requirements for borrowers. Categories of citizens who may apply for participation in the program:

• combat veterans;
• large families in which at least one child is young;
• persons with disabilities;
• parents of children with disabilities or themselves are such;
• citizens who have at least one minor child and under the age of 35;
• citizens who are employees of state authorities, local governments;
• citizens who are employees of state and municipal institutions, organizations of defense and industrial and industrial complexes.

All program participants must be citizens of the Russian Federation, the income of which has recently become lower than the mortgage at the time of receipt. Over each family member, income should be less than two subsistence minima. The property taken on credit should be located in Russia.

Procedure

Anyone who complies with the conditions of the program and wants to restructure a mortgage loan, first of all must learn whether the Bank works, for example, VTB-24, with AHML. Direct appeal to the agency is not provided. Step by step instructions Next:

1. Submission of a request to a bank on cooperation with AHML.
2. In the case of a positive response according to claim 1, attentive familiarization with the terms of the program.
3. Preparation of the package of documents requested by the Agency and the necessary bank.
4. Filling out an application on a blank issued in the bank account.
5. Waiting for an answer.
6. In the case of a positive response according to claim 5 - signing a new loan agreement.

Required documents

In the case of a positive response to the bank, you must provide a package of documents. It includes:

• application form;
• passports of all family members and copies;
• marriage certificate;
• decision of custody of the adoption;
• veteran certificate (if available);
• documents confirming the fact of the disability of the borrower;
• certificate of family composition;
• copy of the employment record;
• certificate of income (2 - NDFL);
• certificate of registration in the employment service.

Today we will talk about the new trend at the mortgage borrowers of all Russia and in particular Sberbank and VTB24 - the restructuring of the mortgage with the help of the state in Sberbank in 2017 and in VTB24. Even under it implies such a term - a return of 20 percent for the mortgage in Sberbank, in 2016 there were 10 percent. Why is that?

This program was tested all 2016, it works on the basis of a special decree of the Government of the Russian Federation in view of the emergency in the mortgage market.

Initially, it assumed only until the end of 2016, but the state decided to extend it until May 2017.

The program suggests in 2017 "Forgiveness" 20% of debt mortgage borrowers or up to 600,000 rubles. But in order for you something forgiven, you need to approach the numerous government requirements and go through all the circles of hell.

Let's do more.

A little about restructuring

There are two concepts that are associated with the relief of current lending conditions for a borrower in a bank if the borrower began to experience difficulties with paying a monthly payment. This is refinancing and restructuring.

But if refinancing involves obtaining a new loan to cover the current, then restructuring is aimed at changing the terms of the loan agreement in order to temporarily alleviate the debt burden of the borrower, so that it sorts itself with its problems.

The mortgage restructuring does not mean that the debt will be forbidden. Not. Most often, the banks temporarily reduce or cancel a monthly payment, and the difference is echoing either at the end of the mortgage repayment schedule, or extend the credit period without increasing the monthly payment.

The restructuring is actually beneficial to banks, and not even from the point of view of additional profit by manipulations with a term of lending and another payment, and from the point of view that the Bank increases by introducing restructuring its chances to return their money from such a borrower.

Recent years show that the proceedings on loans grows greatly, and will grow further, although it has always been believed that mortgage loans are the most stable. Therefore, many mortgages will be called on the Internet in search of assistance and information on mortgage restructuring.

What does Sberbank and VTB24 offer?

Sberbank and VTB have typical restructuring methods (classic):

• delayed monthly payment on the body of mortgage and interest, but by increasing lending time
• drawing up a new schedule for the repayment of interest and the main debt
• forgiveness of fines and penalties
• reducing a monthly payment, but an increase in credit period
• other individual solutions

And there is a new way that the Government offers the Government of the Russian Federation - the restructuring of the mortgage with the help of the state in Sberbank in 2017 and in VTB24.

A little about the state program

You know what the main feature is why customers of our two main banks are interested in the return of 20 percent of the mortgage in Sberbank and VTB24 in 2017?

Yes, because the classical restructuring of Sberbank and VTB does not give anyone! Believe me. Who just did not apply to the management of help and always failure.

Another thing is refinancing, but refinancing many times worse than restructuring, however, it is extremely beneficial to the bank, therefore approve.

ATTENTION!

The state program of the mortgage assistance in Sberbank, in VTB24 in 2017, finally turned out to face the currency borrowers. The state came to some consensus, what to do with them, well, and within the framework of this subsidy, it proposes to forgive them 600,000 rubles. For many currency mortgages, it is true, a drop in the sea!

But if briefly the essence of the program is simple:

• unlike direct restructuring of the mortgage from Sberbank and VTB, you must go to pay for payments from 30 days to 120 days (the classical restructuring from the savage requires that you have no delay at all)
• if your family income has lately for one family member after payment of a monthly mortgage contribution is less than 2 subsistence minima, then you can apply for a state destroy (the subsistence minimum for a working person in Moscow about 17,000 rubles for a pensioner 11000, for a child 13000 )
• if you fall under the category of citizens, the list of which is established by the state, then you can also get help (these are families with children, with dependents up to 24 years old, with children with disabilities, and in general people with disabilities, government workers, employees of the Academy of Sciences and organizations associated with it, Workers of the city-forming enterprises)
• if your apartment is not more expensive than 60% of the average cost of your real estate market, its area is not more than 100 meters (for houses up to 150 meters), and one member of the family accounts for no more than 30 meters, and even if you do not own other real estate and more than 50% in it, then you and your mortgage apartment also falls under the requirements of the state
• get you can help in size up to 20% of your debt or up to 600,000 rubles
• you can qualify for participation in the program by submitting an application and a specific package of documents.
• these documents are submitted in AHML
• and it is through the AHML that the borrowers are assisted, the term of consideration of the application from 30 to 120 days
• once again - not Sberbank and not VTB makes you restructuring, not Sberbank considers your candidacy, and AHML, Sber and VTB24 carries an intermediary function (collects your documents and gives them instead of you in AHML)
• if the employees of the Sber are decided to violate your rights to restructure the mortgage with the help of a state in Sberbank, then contact your AHML directly, complaining about this bank

Program restructuring methods

What kind of restructuring methods does the state offer to Sberbank and VTB?

As well as for any other bank, the government offers the following ways to debtors (essentially they are all classic):

• convert mortgage from one currency to another
• reducing payments for a period of 6 to 12 months
• cancellation of payments for a term until the limit of subsidies in 600,000 rubles
• write-off fines and penalties by 600 tr.

As you see, the methods are very transparent and logical, in contrast to directly methods of VTB and Sberbank, which are formulated very blurry.

However, it is not necessary to rejoice ahead of time, you still need to meet all the requirements of this mortgage restructuring program with the help of the state in Sberbank in 2017, and go through long approval.

Conditions and requirements

Requirements of the Government of the Russian Federation on the basis of Resolution No. 373 to the restructuring of the mortgage with the help of the state in VTB and Sberry, we can say comprehensive, they relate to almost everything.

However, during 2016-2017, they changed somewhat and could be said simplified compared to the initial version of the resolution.

• you must be either a young family with one child (there is a separate one in the savage, she has long been canceled in VTB)
• either have 2 children
• either have a disabled child or to be a disabled borrower
• have a dependent up to 24 years without official income
• or be a participant in a special subsidized state program (type of mortgage with state support in VTB)
• or former participant in combat
• civil servant
• scientist, member of the Academy of Sciences or employee of the organization established by the Russian Academy of Sciences
• working city-forming plant, organization
• an employee of the innovation cluster
• or belong to one category from this list or several at the same time

Real estate requirements:

• mortgage apartment should be the only property or you should not at the same time (you personally or your entire family in the amount) have more than 50% of the share in another real estate
• the cost of the square meter of your apartment should not exceed 60% of the cost of the middle apartment in your real estate market in the region where you live
• legically clean
• it must fit the hard limit on the area set in 373 RESOLUTION - if you own a mortgage apartment alone and live one in it, then its area should not exceed 50 square meters. meters, if two people live, then not more than 35 meters per each (in the amount of not more than 70 meters), if there are 3 or more, then no more than 100 square meters. meters in the amount (or 100 meters divided by the number of family members)

Requirements for the borrower:

• New Requirement 2017 To the borrower - instead of the former, you need to have a worsened financial condition of the personal or whole family as a whole, and the indicator of this now serves that you have to stay after paying a monthly mortgage payment less than 2 minimum subsistence minimum per person (for Moscow : For a working - 17000 r., For a child 13000 r., For a pensioner 11000r.)
• the applicant should not have a bankrupt status assigned by the court

Credit Requirements:

• it should be at least a target loan
• must begin a draw on it from 30 days and up to 120 days, no more
• requirements for the deadlines for the conclusion of a loan agreement since 2017 no more

Documentation

Now to the documents on mortgage restructuring with the help of the state in Sberbank and VTB24 in 2017!

You need to understand one thing that you will need documents from 3 objects / items:

• from you, from your co-coaches and family members
• from a mortgage apartment and other real estate owned
• documents on your income (or rather evidence that they decreased)

Thus, the approximate list of documents required by the state from the borrower is the following (this is not 100%, final, "iron" version):

• statement
• passport
• marriage certificate
• certificates of the birth of children
• documents about special status (disabled, military pensioner, scientist, etc.)
• copies Labor
• help 2-NDFL
• extracts from the PFRF.
• credit contract
• extract from EGRP
• documents from the apartment (cadastral passport, sale contract, shareholder agreement, property certificate)
• documents from other real estate - property certificate
• other at the request of AHML

ATTENTION!

It is important to understand that this list of documents is established by the Government for all RF banks, some particular separate bank has no right to demand its own individual list (since it has nothing to do with this process). However, you can convey some kind of certificate from you AHML.

Sequencing

Before obtaining the restructuring of the mortgage with the help of the state in Sberbank in 2017 and in VTB24, you need to understand for yourself, whether you approach the requirements of the government that is very extensive.

Conventionally speaking, you must be a handyman at the factory, scientists, civil servants, have children of dependents, disabled people and other (list of categories is above), and you should also experience financial difficulties that most Russians have been experiencing, and your apartment must be According to the characteristics below the average level.

You understood what come, how to act next?

Sequencing:

• go to Sberbank or VTB
• talk to an employee, advise, ride or not, advise what is the best way to return 20 percent for the mortgage in Sberbank and VTB to choose
• he will give you a statement or say how or rather fill it, on whose name, will give the state-established list of documents
• fill out the statement, collect documents
• for some references will have to run, and for some pay
• bring them to Sberbank or VTB24, submit
• and waiting for the approval of AHML
• if approval passes, the AHML transfers the subsidy to your account in VTB or in Sberbank, thus, the debt is reduced in accordance with the selected restructuring method
• next, the bank rewrites the loan agreement, prescribes new approved conditions in it
• you will have to sign it
• next will have to be corrected together with the bank and Rosrester to the mortgage
• if AHML does not approve you, then you lose 1500 rubles for registration of certificates from the USRP

ATTENTION!

There are a few minus in such a state program of helping mortgage borrowers in Sberbank, but in terms of procedure there are two and very serious: a very long approval procedure (up to 120 days); During this time, some references are obsessed, in particular, the Help of EGRP, which stands within 1,500 rubles.

If you have taken a mortgage in a bank, I regularly paid a loan, but you cannot further repay it, the state can help you during one year. These goals are allocated funds from the federal budget. Not everyone can get into the program, namely:

• combat veterans;
• parents of disabled children or adults disabled;
• families with children / child up to 18 years old;
• families with dependents up to 24 years old, students in an educational institution.

Having applied to AHML and having received a positive answer, you reissue a mortgage in a bank on new conditions. Monthly payment decreases by about twice a period of a maximum of one year. Bank costs will pay for AHML: in particular agency repay 10% of your debt. You can also be given a delay for debt repayment.

The applicant for help from AHML must be confirmed that revenues in his family per person constitute a half subsistence minimum in its region.

Do not help even those who really need help

The help program itself is good, and on the Internet there are real responses of citizens who helped AHML. But on the official website of the agency of Russian banks arb.ru. Reviews of the restructuring of the mortgage loan are completely negative.

The main claim of borrowers is that the AHML elementary does not provide assistance to customers, despite the fact that they are under the program. So, a customer named Julia briefly, but he described its life situation. Feedback Published on October 27:

A single mother pays 18,400 rubles for housing and does not have the opportunity to keep a child

Long think, then they detect errors in the documents, and then "stupid"

The complainants did not pay attention and the negligent work of the AHML employees who accept documents, but do not agree to the provision of assistance, since the papers are incorrectly decorated. And then it begins with the rewriting of documents, the exchange of courtesies and unsuccessful attempts to reach the bureaucrats.

For example, this is evidenced by Alexander's review of Alexander, published on November 12, 2017:

Due to the negligent attitude to work, the mortgage restructuring course cannot be given

Due to the long expectation of the solution, you can easily fly like plywood over Paris

But the most unpleasant side of the mortgage restructuring is that the action of the program is alternating: it works for a while, then its action ends, after which it is started again, receiving funds from the budget. Risk risk to run into the end of the program action: let's say you have already issued a statement, began to prepare the relevant documents (and they cost money, for example, for extracts from the USRP will have to put about 1.800 rubles), and it turns out that the program is no longer valid and you have spent in vain and time, and money, and nerves.

Because of the year and two months of catavia, the girl flew with the restructuring program

Conclusion

Thus, the restructuring of the mortgage in 2017 (according to the visitors of the forum) shows that assistance from the state to facilitate mortgage to get quite difficult even for those to whom it relies. If you still decided to take advantage of the mortgage restructuring program - reserve patience and be prepared for the fact that your documents will be considered months, and because of the expectations you will be able to "fly."