Housing program social mortgage. What is a "social mortgage", how to get it and who can use such programs. Favorable offers for military mortgages
City assistance in the purchase of any kind of real estate is necessary support residents of the country forced to suffer because of housing problems, as well as a real compromise, in many ways decisive housing issues with the help of a certain investment of public funds. The social mortgage program is a subsidized aid allocated from the federal budget fund, citizens for the purchase of housing at the expense of mortgage lending.
State program "Social mortgage"
Government program Social mortgage- This is a number of subsidies, including, as a decrease in interest rates, the allocation of amounts in part of the payment for an apartment, and the sale of residential properties in mortgages at a preferential cost, which are in the property of the state.
To date, at the federal level, subprograms have also been created for young families, employees of budget companies, namely teachers, doctors, and the military. Let's consider further.
For young families
You can try if the family has one parent under 35 who are on the waiting list for improvement housing conditions... In practice, up to forty percent of the cost of an apartment is allocated - a significant one.
For doctors
Social mortgage program for doctors. Requirements put forward:
- the doctor's age is not older than thirty-five years;
- there is a document on education confirming the medical qualifications of a doctor;
- work experience for doctors - at least a year in medicine;
- a person should really need their own living space.
The program "Social mortgage" in Moscow and the region
Muscovites are in dire need of government subsidies for mortgages. The Social Mortgage Program in Moscow implies the provision of assistance to socially unprotected segments of the population (including families) in acquiring a residential property in the following form.
Objects of real estate
Residential premises owned by the city of Moscow fall under the state program. The cost of such housing will be significantly lower due to the availability of benefits. A formal purchase and sale agreement is drawn up using a mortgage loan.
Only solvent citizens of Moscow who have a positive decision of the bank can get under the program.
Categories of citizens - participants
The program of a reduced interest rate, which will be 9.5% per annum, will be in effect if the borrower buys a new building in Moscow and is a person of the following category:
- participants in the state project "Housing for a Russian Family".
- defense industry workers.
- disabled people of a certain group, or parents or guardians who have a dependent child of a disabled group.
The poor are also eligible for the social mortgage program in Moscow. This includes:
- two or more families sharing the same living space;
- persons living in an emergency house;
- people renting an apartment.
The state program Social mortgage in the Moscow region is designed for people of the same categories and on similar conditions as for the citizens of Moscow. The main criteria are presented above. As for specific issues, the nuances specifically for mortgage lending, it is advisable to clarify it exclusively in the branch of the banking organization.
Housing program
The Housing program was created back in 2002, then the Government extended it right up to 2020, and is therefore relevant to this day. The Housing program is nationwide, that is, it is designed for the entire territory of the country, including the Moscow region.
It includes all the subspecies of programs discussed above. Assistance to retired military personnel, citizens on privileges, changing the system of the communal structure, providing real estate to young families, stimulating construction in certain regions.
Which banks in Moscow issue social mortgages
The program operates in major major financial institutions, namely banks in Moscow. However, each of them have their own requirements put forward according to their policies. The list includes the following banks in Moscow:
Sberbank of Russia
This bank of Moscow, being the leader in financial market country, provides its applicants with a mortgage loan on fairly favorable terms. If the borrower belongs to the group of state employees, law enforcement officers, or has a young family.
Another advantage that this Bank of Moscow provides is the minimum value down payment- only 10 percent. It is important that the purchased object does not end up in an emergency building, otherwise Sberbank will not miss such a dwelling.
Gazprombank
Under the social mortgage program, Gazprombank issues a loan for no more than 10 years, with a reduced rate than the base rate, building the first payment in such a way that it is equal to 1/5 of the price of the object. The issued amount is not more than eight million.
Raiffeisenbank
Raiffeisenbank of Moscow offers its potential clients a loyal percentage, fast processing, prompt approval and consideration of the application - this is exactly what is required by the population in a crisis situation and in dire need of housing.
VTB 24
Keeping up with other Moscow banks, VTB-24 offers exclusively low rates, reduced first installment, and considers applicants of the above listed categories.
Svyaz-bank
The loan is given for the purchase of new housing or a finished apartment with a minimum interest rate of 9.5%, up to thirty million rubles, for a period not exceeding thirty years.
Conclusion
Acquisition of their own real estate is far from an easy task for many people due to the lack of a sufficiently accumulated amount of savings, and the only solution to this problem is to obtain a mortgage, which, in turn, is free and not available to every citizen for a number of reasons. The developed state program Social mortgage is specifically targeted at such borrowers of Moscow banks, the level wages which is low and does not correspond to the observance of normal living conditions as well as for doctors, teachers and young families.
Having their own home is a dream of many, but not everyone can realize it. Mortgage lending gives a person a chance to acquire square meters without having the required amount. Not everyone is aware that the Russian state offers benefits to those in need.
What is social mortgage
A set of state programs, with the help of which it is possible to improve the housing situation for persons belonging to the unprotected strata of the population, is the social mortgage. Many people do not know that the state mortgage loan is provided to persons who are officially recognized as needing housing. These people are not the only ones who can actually qualify for affordable mortgages. The program provides an excellent opportunity to purchase their own squares for young families, youth and the military, workers social sphere.
Several social mortgage programs have been developed, among which you can choose suitable option:
- interest rate subsidy;
- purchase of state housing at a reduced rate;
- payment of a certain amount from total price on the living space.
Interest rate reduction subsidy
Social mortgage lending implies the allocation of this type of subsidy, in which the main focus is to lower the interest rate on the loan. Such programs are being successfully implemented and provided by commercial banks. They are able to issue loans to citizens at a reduced rate and establish flexible schedule payments. After all, for them it makes no difference who pays the interest - the borrower or the state.
Partial payment for housing by the state
A highly popular program among the poor. Its essence is simple: the state extinguishes part of the cost of housing, only money is issued not to the future owner square meters, but directly to the lending financial structure, which, after deducting this amount, calculates loan payments for the borrower.
Buying a home from the state
This form of social lending provides for the purchase of living space from the available housing stock... The form is used to sell housing to certain groups of citizens. Applies to employees of certain structures:
- military personnel;
- some categories of civil servants, etc.
Mortgage benefits
Under the state program, you can get mortgage benefits in the form of the following options:
- Monetary compensation, which can be up to 70% of the price of housing purchased under the program. This indicator depends on the amount included in local budget to finance social mortgage.
- Interest and principal compensation of the loan. As a rule, benefits are provided for the first few years and are reduced each subsequent year.
- Benefit providing for the payment of a part of the initial payment.
- Providing a social loan at a special rate from a certain organization that has the ability to issue a loan.
Who is entitled to a social mortgage
There are certain requirements for obtaining a loan. State mortgage provided to those in need and living in dwellings that have been found to be inadequate for habitation, emergency or subject to demolition. If we single out other groups of citizens who are covered by social security, then young families where the spouses have not reached the age of 35 will be added to the above.
Large families in whom 3 or more children are dependent also have the right to become full-fledged participants in the social program. Loans will be issued to those who participated in the hostilities in Afghanistan, Chechnya and Syria and defended the honor of the country, workers budgetary organizations, young professionals, employees and employees of state authorities, scientists and a number of other categories participating in the state program to improve housing conditions.
Social mortgage for a young family
Young families have the right to expect to buy their own home through the use of a concessional loan. The mortgage for young families offers newlyweds to receive a bonus from the state, which is equal to 30% of the total price of the purchased property, if they have not yet had a child. If there are children, the state will compensate 35% of the amount. When the registration of a social mortgage has already taken place, and the newlyweds have a baby, the state will help in this case as well. The family is entitled to a subsidy, the amount of which is at least 5% of the total price of housing.
Cash funds are not issued to a young family - spouses receive a special certificate, which is presented in financial institution when receiving a loan, and the state transfers funds directly to the bank. Newlyweds have the right to choose how it is convenient for them to spend this benefit. It can be used to pay off part of the initial payment, to pay part of the cost of housing, or to pay the final installment.
Social mortgage for the poor
Not all people have the opportunity to buy their own home due to the lack of not only the necessary funds, but also the opportunity to earn them. Mortgage for poor families Is an opportunity that helps such citizens to become owners of their own squares. To obtain a loan, you need to prove that the citizen or family is poor. The options for providing funds are the same as for all other citizens who need housing.
Social mortgage for state employees
Although the income of employees of budgetary organizations is stable, it cannot be said that it is high. Not all banks are ready to lend them funds for the purchase of housing. The state has developed a special program for them, which is called a social bank for state employees. Preferential mortgage for young professionals budgetary institutions is allocated for a period of 25 years and has its own characteristics inherent in this loan product.
Not all employees of this field can use social security for state employees, but only those who are considered valuable specialists. These include teachers, doctors, scientists. In addition, they should need to obtain their own square meters. The state requires employees not to change their field of activity throughout the entire term of mortgage lending.
How to get a social mortgage
It may seem simple to arrange preferential loan... Firstly, it is worth knowing that the conditions for obtaining a social mortgage are different for each region, so it will not be superfluous to ask the competent authorities about the benefits provided. Secondly, a person applying for a social loan must stand in line to improve their living conditions.
Where to apply for social mortgage
In order for the social mortgage program to start working, the applicant needs to contact the administration at the place of residence and the bank, which will act as the lender, since there may be certain nuances when obtaining a loan. It is much easier to become a participant in the program in the Moscow region than in Moscow itself. Some commercial banks may impose their own requirements for future borrowers, such as length of service or minimum income. All this should be considered before applying.
What documents are needed to obtain a mortgage loan
The list of documents may vary, but there are certain documents required to obtain mortgage loan, which will definitely require each applicant:
- documents giving the right to apply for a loan;
- certificates demonstrating income;
- identity documents;
- documents showing seniority;
- Marriage certificate;
- mortgage application;
- other documents that may be requested from the bank.
State mortgage lending program
It is worth knowing that all the proposed social programs for the acquisition of housing within the framework of state support for those in need imply only assistance for partial repayment debt different ways, but not payment of the full cost of the purchased housing. The program applies to citizens who do not own personal housing. In addition, people living in communal apartments, hostels, rental housing and citizens who own less than 14 squares per person can count on help.
Every year the state revises the amount of money allocated, so it depends on how much money those in need can receive. The program stipulates that the maximum age limit for men is fixed at 60 years. Women can benefit from help when the top bar is 55. Some banks, such as Sberbank, have increased this parameter to 75 years. The contract is concluded exclusively in rubles for the construction of new housing or the purchase of an apartment for secondary market.
Under the program, the borrower will be asked to insure the purchased housing for the entire duration of the loan, as well as to carry out personal life insurance. With the program government lending There are several banks (capital and regional), which are partners of AHML - the Agency for Housing Mortgage Lending:
- Bank of Moscow;
- Sberbank of Russia;
- Bank opening;
- VTB 24;
- Gazprombank;
- TranscapitalBank;
- UralSib.
Mortgage conditions for a young family
Age 35 is the qualification for applicants, but some banks have increased this figure. Young people should be members of a registered union and be registered as needy. According to the terms of a mortgage for young families, the loan is issued based on the area of housing of 40 meters, if the family consists of 2 people, if its composition is larger, then the calculation is based on the calculation of 18 meters per person.
Social mortgage for doctors
In each region, the mortgage for doctors has its own nuances. It is noteworthy that the program covers not only doctors, but also nurses - everyone who has a higher or secondary specialized medical education. A prerequisite for workers in the field will be the need to work in the region where they plan to purchase housing within the framework of social security for at least 5 years.
One of the hallmarks of this program for medical personnel is the low initial fee. Today it is 10%. In addition, the rate on social loans for physicians at Sberbank and other banks is lower than for ordinary citizens. The age limit is still 35 years old. A specialist must stand in line for those in need, which is confirmed by a certain document.
Housing mortgage for military personnel
Military mortgage - this is also the name of the social mortgage to the military. For this category of citizens, the most Better conditions, but the only thing that a soldier needs to do is to be a member of the accumulative mortgage system (NIS) for at least 3 years, from which the military is credited. To obtain a loan, you must provide a certificate, which can be obtained by writing a report to the unit commander.
Preferential mortgage for young professionals
Young specialists are graduates of educational institutions who have worked in their specialty for a year. Social mortgage for young professionals depends on the profile of the educational institution they graduated from (medical, military, etc.). Young people are provided not only with a preferential loan rate, but also with a flexible repayment schedule. The recalculation of the interest rate is possible in connection with the replenishment in the family of the borrower - the birth of a child. In addition, specialists can use maternity capital.
Video: Social programs for the purchase of housing
Found a mistake in the text? Select it, press Ctrl + Enter and we'll fix it!
Hello! Today we will find out what a social mortgage is, who can get it. How to get a social mortgage. How banks and social mortgage interact. Read the post to the end and you will find out all the news of 2019 on this topic.
You can acquire your own housing at your own expense, whoever has them, or you can resort to the help of banks and use mortgage lending. But what if the income does not allow you to use any of these methods? Social mortgage comes to the rescue. It is she who exists in our country to solve the housing problem of citizens with middle and low incomes.
What is the difference between a regular loan and a concessional one? The first is issued commercial bank to the client who repays the loan and interest on it own funds... It follows from this that the consumer can rely only on his own strength. Wherein annual rate for the use of borrowed funds and the initial payment will be rather big. The social mortgage agreement will include the third party to the agreement - the state. Here, his role is to support the interests of both parties: reimburse the bank for its commercial benefits and provide citizens of the Russian Federation with affordable housing.
Social mortgage lending is a government program that is implemented at the entity level. Therefore, in each region, it has its own characteristics, which can be found out in the local authorities at the place of residence, or in the AHML.
What is the essence of social science? The point is that the housing society will be issued with some kind of support state budget... And in what amount - depends on what category of beneficiaries you fit. In fact, social mortgage is a complex concept that includes a number of programs to support the population from the state in the framework of solving the housing problem. They are very often confused and mixed into one concept.
The concept of "social mortgage" should be divided into a number of derivatives:
- Social mortgage in banks and partners of AHML (mortgage, which provides a number of benefits for the rate, mortgage term, size of PV, etc. to employees of socially significant and budgetary institutions, as well as large families).
- Subprogram "Housing for a Russian Family" (allows you to get a discount on an apartment from developer companies that participate in the program that need housing improvement, the poor and, again, state employees different levels, as well as young families with children. The mortgage rate remains within the standard bank programs).
- The "Young Family" subprogram at the federal and local levels (you must obtain a certificate of participation in the program so that you are recognized as needing to improve your living conditions, then the state will provide a subsidy for the purchase of housing up to 35% of the cost of an apartment).
- Regional subsidies (for example, the Republic of Tatarstan, where there is also a reduced interest rate mortgage and discount on housing).
- State support programs for military personnel, maternity capital.
In certain cases, government assistance will be 10-50% of the cost of an apartment. There are regional subsidies that reimburse 100 percent of the price of housing, and the citizen only has to pay interest to the bank. For young people, such support can be 30%, and for young families with children - 35% market value dwellings.
There are the following conditions for a social mortgage:
- The lowest possible interest rate. Today, it is 7.55%;
- Minimum down payment 10%;
- Longer loan term;
- Subsidies from budgets of different levels to reimburse part of the cost of housing. One example is the compensation of monthly social mortgage payments for some public sector employees during the entire term of the loan;
- Deferred payment or restructuring. In different cases, from 1.5 to 3 years;
- Reducing the size of the monthly installment by refinancing;
- State-supported construction of economy-class real estate and its sale at preferential prices to certain categories of citizens;
- One-off grants to improve housing conditions. One such example is maternity capital.
Who can get it
Who is eligible? Many citizens are unaware of the existing opportunity for them to acquire housing on preferential terms. To do this, you need to know who can get a social mortgage.
They can expect to receive in 2019:
- large families;
- single-parent families, whose income fell by 30%;
- disabled people and families raising disabled children;
- young families under 35 with and without children;
- some categories of doctors, teachers and scientists;
- workers of scientific municipal and state institutions;
- workers of science cities;
- military participants in the funded system;
- combat veterans;
- Young professionals;
- workers of culture, social protection and employment institutions;
- specialists of sports organizations;
- workers of military-industrial complexes;
- the poor.
Participants of the programs are solvent working citizens of the Russian Federation who have stable incomes and are able to obtain a loan, i.e. meet the conditions for its provision; possessing in the accumulation of funds for the initial contribution. Their credit history should be positive. They must be recognized for housing improvement needs or residents of the emergency fund (for a number of subprograms). For state employees, it is required to have work experience in the profession of three years or more in government agencies. Citizens from 18 to 54 years old with a continuity of experience in one place for at least six months are eligible for the housing social mortgage fund. Military men who have served at least ten years. More detailed conditions should be considered for specific programs.
How to arrange
First of all, you need to make sure that you are in any category of beneficiaries. Depending on the type of program, first contact the authorities and / or the bank. If so, the next step is to collect the required documents.
The basic list of those includes:
- application of a person who wishes for a social mortgage;
- copy of the applicant's passport;
- certificate from the place of work on income in the form of 2NDFL;
- certified copy of all sheets work book;
- a document confirming the fact of the applicant's need for housing or improvement of housing conditions;
- a document stating that you are on the waiting list for solving the housing issue in local authorities;
- an extract from the house book or a certificate of the composition of the family;
- Marriage certificate;
- birth certificates of children.
This list is basic and basic for all categories of beneficiaries and is supplemented depending on which social program suits you. What documents are still needed, you can find out in more detail from the rest of the articles on our site.
A special certificate is required in order to become a member of the Young Family program in 2019. local authorities the authorities and the bank about their intention to obtain a soft loan for the purchase of an apartment and to be included in the final list.
When the lists of such participants are formed, the municipal authority receives money from the budget for subsidies and distributes them. By that time, you will need to give a loan agreement already drawn up with the bank.
Banks and social mortgage
The most advantageous offers under this program in 2019 are offered by NOAIK, a partner of AHML in Novosibirsk, for example, the rate is 10.95 for finished housing and 11.2 for the construction period.
A mortgage for military personnel involves the opening of a personal savings account. The state monthly transfers certain amounts to it, which are regularly indexed. The money can subsequently be spent on the purchase of housing. You can use it both during service and after leaving for the reserve. In 2019, such a product is available to all young officers, even those who already own real estate. Several banks are engaged in lending to the military on NIS.
And other points were sorted out in our last post. You can also use our loan calculator for calculation.
The advantage is the delivery of a decision within three days with a minimum package of documents. The only requirement for the borrower is the service life of at least three years.
To find out the amount of the monthly loan installment, use on our website.
Social mortgage "Building the future" operates in the Republic of Tatarstan (Kazan, Naberezhnye Chelny, etc.). The essence of the program is that the family joins the Cooperative "Building the Future" and then participates in the auction of apartments, offering their own price for them. The family that offers the highest price will win the competition and receive the ownership of the apartment at a discounted price. Social mortgage building the future is available in the city of Naberezhnye Chelny, for example, 90% of the population.
A social mortgage "Building the future" is issued under the President of the Republic of Tatarstan on the following conditions: Rate of 7% per annum; Down payment from 10% of the loan amount; The term is from 20 to 28.5 years. You should contact AK Bars Bank, Kara Altyn Bank, Sberbank of Russia to draw up an agreement.
In Naberezhnye Chelny, the most favorable conditions at rates are offered by VTB24 Bank (this is 9.4% per annum for using a loan and the first installment is only 10% for any convenient loan term), Rosbank, and the Mortgage Agency of the Republic of Tatarstan. For selection credit institution and more favorable conditions for yourself, use our mortgage calculator.
Rosselkhozbank has developed a special loan product - rural mortgage in Russia. It was created to help young professionals living in countryside... It implies that part of the debt is extinguished from the federal budget, another part is allocated by the region, part by the local agricultural producer, and the remaining small share is paid by the employee himself. This is one of the few banks that does not refuse to give loans to clients from the province due to the low cost of collateral.
Lending terms:
- rate from 11.5% to 13.5% per year;
- no down payment;
- amount within 3 million rubles;
- term from 1 to 25 years;
- no guarantors required;
- borrower age from 18 years;
- confirmation of the amount of income by a 2NDFL certificate or in the form of a bank.
Knowing the conditions for issuing a loan and the cost of the desired apartment, you can calculate the amount of the monthly payment using our mortgage calculator.
How to get a social mortgage in 2019 — can be found in AHML. This is the main organization that the government entrusted with the implementation of state social programs to provide the population of the Russian Federation with their own housing and improve living conditions. AHML implements such programs as "Housing for the Russian Family", issues such products as "Military Mortgage", "Social Mortgage for Doctors, Teachers and Scientists", and also implements a program to help borrowers.
AHML advantages:
- Annual rates here start at 10.95%.
- The first installment is from 10% of the loan amount.
- The maximum possible period is up to 30 years.
- The loan amount is not limited.
- Absent additional insurance, that is, only the acquired property and the borrower's liability under the contract are insured.
- Funds from maternity capital are used.
- When there is financial difficulties at the payer, a decrease in the monthly installment is provided.
- The opportunity to buy an apartment is thirty percent cheaper than a similar segment for an accredited project.
Much more useful information you can find out by subscribing to updates on our site.
We are interested in your opinion - leave a comment here and ask questions to our online lawyer in the lower right corner.
Federal and municipal authorities offer social programs to individuals to improve their living conditions. The essence of the programs is to provide preferential terms mortgages supported by the state.
Who can get a loan of this type?
The list of persons who can apply for preferential lending terms is strictly limited.
The list of citizens who can apply for preferential terms includes families:
- Socially vulnerable citizens.
- Budget workers.
- Military personnel.
- Law enforcement officials.
- Young citizens up to 35 years old.
- Civil servants.
Individuals must have a steady income that allows them to pay off their debt on a preferential loan.
Take advantage of government programs can persons who do not own residential property or with housing:
- less than 18 square meters for each family member.
- in disrepair or declared unfit for habitation (you must have an official conclusion of the housing commission).
Consideration of the issue of registration of citizens in need of better housing conditions is carried out at the municipal level.
An application is submitted to the head of the administration asking for registration. The applicant fills out a questionnaire - an application, which consolidated contains all the basic information on the citizen, his family and the occupied area.
By a citizen, personal documents are attached to the application and the questionnaire:
- Copies of the passport of the applicant and all family members, birth certificates for minor citizens. It is necessary to copy all completed passport sheets. Persons liable for military service present a military ID.
- Certificate pension insurance- SNILS to all insured persons.
- A certificate of family composition with an up-to-date date. Marriage or divorce certificate.
- A copy of the work book, certified by the head in the generally established order - the seal and signature of the head with a decryption.
- Income statements of all working family members. Certificate form - 2 personal income tax, the submission period is set by the municipalities individually.
- Family members receiving benefits, scholarships, and pension amounts are provided with certificates containing data on payments. Additionally, it is necessary to confirm the status of a student, pensioner.
For entrepreneurs, there is a different procedure for confirming income with the presentation of declarations for the period, the duration of which must be clarified on the spot.
Persons who received income outside the main income and confirmed this fact by filing a 3-NDFL declaration, submit a form certified by the Federal Tax Service Inspectorate, along with other documents.
Owned property must also be documented.
The applicant presents:
- The originals of the financial and personal account of the premises and extracts from the house register, indicating the current dates of the documents.
- Title deeds for the property.
- Technical passport for real estate, if available.
- Help from the BTI.
The list of required documents can be expanded with other papers at the discretion of the municipality.
A special commission is considering the possibility of granting the right to a social mortgage.
During the verification of documents, the analysis of the composition of the data and their compliance with reality is carried out.
Recognition of the facts as reliable, and a person entitled to preferential terms for housing improvement - are drawn up in a separate accounting file.
A unique number is assigned during its registration on the basis of the order of the head of the local government.
In addition to fulfilling the conditions for confirming the status of needing better housing conditions, citizens must fulfill the requirements credit institution providing a mortgage.
A package of documents is submitted to the institution, depending on the chosen program.
What documents are needed?
The mortgage is made in a bank that supports social programs and has agreements with the municipal authorities.
Depending on the conditions established by local authorities, when registering social programs, the following conditions may be supported:
- Granting a subsidy - a portion of the amount to pay off the purchase price of a home.
- Allocation of subsidies in the form of repayment of part of the interest, the difference to the standard mortgage rate.
- Providing public housing at a low cost for purchase on credit.
In addition to favorable conditions, mortgage lending under special programs is carried out in the usual manner.
Mandatory list
The borrower submits an application for a mortgage lending, fills out a questionnaire and submits the main documents required for all types of social programs:
- Proof of identity - a passport of a citizen of the Russian Federation. For Consideration Of A Mortgage By social program the spouse's documents and marriage certificate are submitted.
- A certificate of the presence of permanent income in the form of a bank or 2-NDFL for yourself and co-borrowers.
- A copy of the work book to confirm the length of service and the presence of a permanent place of work. For military personnel, a certificate from the combat unit from the duty station is sufficient.
- A certificate of family composition to determine the number of minor dependents.
Similarly with the list of documents for registration to persons who are individual entrepreneurs, as part of the documents, declarations are submitted with the marks of the tax inspectorate.
The package of documents should be supplemented with a certificate of registration as an individual entrepreneur.
Social mortgage restricts the loan recipient on the terms of the acquired property.
It is possible to buy housing using social programs strictly at the rate of 18 square meters per person. Excess limit size allowed for an amount not exceeding 9 sq.m.
Residential property can only be purchased in buildings that are classified as municipal housing stock.
The houses have a standard room layout and are built with panels.
The property must pass independent assessment according to the list of companies provided by the bank. The expert opinion is considered by the bank managers and the housing commission, which will approve the selected object.
List of additional documents
A potential borrower eligible to participate in the social mortgage program must obtain a document from the municipal authorities.
Paperwork is done after a decision has been made to register a citizen and his family.
The certificate issued by the authorities is valid for 2 months.
All actions for registration must be performed promptly in order to avoid a repeated procedure for issuing a document.
Additionally, the bank is provided with a certificate stating that the loan applicant has not previously used social benefits provided government agencies authorities for the purchase of housing.
The nuances of preparing papers
After obtaining the consent of the bank to conclude a mortgage lending agreement, it is necessary to obtain a preliminary loan agreement or a certificate from the institution.
The document is submitted to the municipal authorities - the housing commission. After agreement with the ultimate authority, you can proceed with the conclusion of the purchase and sale agreement.
The mortgage lending agreement is drawn up with the participation of three parties. The third party is the administration that approved the social program in relation to the borrower.
The transfer of funds to the personal account opened with the bank for the recipient of the mortgage will be made by the municipality within the framework of the agreement and the selected incentive scheme.
When using the social program, residential real estate becomes the property of the person who issued the mortgage only after the full payment of the amounts.
After registration of the mortgage, a property insurance contract is concluded. Payment for the contract is made at the expense of the mortgage recipient.
Mortgage lending with the participation of social programs is the optimal, even sometimes the only, opportunity for socially unprotected persons to obtain housing.
Insignificant restrictions put forward by the authorities on the area do not prevent thousands of families from obtaining social mortgages in the country.
Video: Social mortgage
Modern housing is very expensive. Most people in our country cannot afford it. V Soviet time the state built it at its own expense and simply distributed it to its citizens. In the nineties, with the collapse of the country, the former housing system also collapsed.
But the problem remained. Some Russians have become rich in recent years and have begun to build luxury apartments. However, the rest of the inhabitants became even more impoverished in comparison with the Soviet era and were unable to solve their housing problems even on a minimal scale.
New measures were needed by the state to reduce tensions in the housing sector. V modern conditions the solution was found in the social mortgage. So what are the conditions for social mortgages these days?
Social mortgage
Social mortgage is government support for certain privileged social categories of Russian residents. The conditions for obtaining a social mortgage are that beneficiaries receive money in debt to purchase their own housing. A mortgage is a kind of mortgage on residential real estate (future or existing at the borrower) for the purchase of a loan. The issues of acquiring a social mortgage, establishing a loan program are concretized by regional authorities.
Social assistance is issued in the form of:
- Coverage of the costs of a part of the cost of an apartment purchased in a mortgage.
- Purchase of housing from the state at a low interest rate.
- Compensation of part of the interest on a mortgage loan.
Target
The purpose of modern social mortgage lending programs operating in our country is the financial support of the Russian state for its citizens in improving their living conditions. The acquired loan can be sold in the following areas:
- for the purchase of finished, previously erected housing;
- for the construction of a residential building;
- to purchase land plot where there is a residential building or its construction is planned;
- to repay an existing mortgage loan.
V modern Russia there are a number of mortgage programs supported by both federal Russian budget and partly from regional provincial budgets. Along with the usual (standard) mortgage, there is also the social structure of mortgage lending to certain segments of the population. According to such a social mortgage, the conditions for obtaining will be relaxed as much as possible. Especially for the privileged strata of the population.
Peculiarities
The existing social mortgage for improving housing conditions allows socially weak categories of Russian citizens to improve their current housing conditions. That is, the state organizes such preferential social programs so that the purchase of housing becomes affordable for Russians with low incomes, for example, for large poor families, for state employees who do not have housing, for young officers, for young families, and so on.
A specially formed organization, AHML, manages and coordinates the activities of all existing mortgage programs in Russia. government body on the formation of the mortgage social lending market. The agency should strengthen the balance of interests of all parties in the field of real estate - the Russian state, ordinary borrowers, private and public lenders and investors.
Signs
Specific conditions for social mortgage:
- issuance to borrowers of preferential interest on a loan issued by a bank;
- issuance of targeted one-time subsidies or social payments for housing from the central federal or local regional budget;
- more preferential cost of purchased housing (usually, this is a typical economy class real estate);
- the reduced size of the initial housing contribution when purchasing an apartment or house;
- assistance in paying the interest rate by issuing compensation;
- reduction probability monthly loan("Payment holidays").
The main emphasis of social housing mortgages is placed on the elimination of existing housing hardships for that stratum of working Russians who receive relatively average and low financial income and, at the same time, are in great need of their home (or apartment).
Cost structure
Under the terms of a social mortgage, the following financial structure of costs is assumed:
- The buyer will spend about thirty percent of the cost of the home.
- For a share state aid(the volume depends on the social category of Russians) - lies about twenty to fifty percent of the total cost.
- The rest of the payment for housing goes to the share of the mortgage loan.
The described structure of payment for the purchased housing, as a rule, increases the possibility of obtaining mortgage loans for residents of our country, and this, in turn, actively contributes to the growth of the effective demand of Russians for residential buildings or apartments, thereby additionally financing the construction industry of the domestic economy and those dependent on it. various industries.
Specificity
The main difference between the existing conditions of a social mortgage from a conventional or commercial mortgage is, ultimately, the lower cost of housing allocated to citizens. In addition, it is necessary to highlight additional guarantees that creditors receive from the issuing bank, which operates under social housing mortgage programs:
- Control of the "cleanliness" of the purchased dwelling.
- Insurance of both the purchased home and the life of the borrower himself.
- The bank's promise to maintain the level of interest on the loan, determined by the agreement, until the end of the loan agreement.
Participants of preferential programs
Not all Russians can receive social mortgage conditions for obtaining a social mortgage loan. The beneficiaries may include, first of all, those residents of the country who are officially identified in need of housing and who are in line to purchase housing in local executive authorities. In addition, Russians living in houses that are officially classified as unfit for normal living are ranked among those in need of housing; those who own housing in multi-apartment buildings, included in the list of emergency and prepared for demolition or modernization. This condition is a common feature for all clients of social preferential mortgages.
Other conditions required for the acquisition of a mortgage loan depend on the form of social mortgage program:
- families with several children, in which the age of the wife or husband (or one parent in an incomplete family) is not more than 35 years old;
- families with three or more minor children;
- veterans of official combat operations;
- young officers who have become members of the Russian savings mortgage housing system;
- Russians working in state (or municipal) bodies that are part of scientific organizations or the structure of scientific service;
- Russians, workers in state educational structures, as well as health authorities, cultural structures, local social protection, the system of employment of the population, bodies of physical culture and sports;
- employees of city-forming institutions, including science cities;
- workers working in the structure of the military-industrial complex;
- citizens working in state scientific bodies, as well as various structures organized by state academies of sciences;
- employees of state unitary institutions on the rights of ordinary scientific bodies, implementing their work in the leading areas of the formation of science and industry in Russia;
- a family approved by a decree of local municipal authorities is considered, if total income for each family member below the value living wage defined in each region; social residential mortgage means the allocation by the state of a low-income Russian family of a house or apartment at a preferential price, as well as other additional social guarantees).
Housing benefits for doctors
In addition to general social mortgages for obtaining housing, there are also separate ones aimed at helping social workers in solving housing problems. For example, these are doctors. There is special program"Mortgage for doctors". Its goal is to make it easier for doctors to obtain social mortgage loans.
At the level of individual regions, the receipt of free land plots and conducting targeted social lending for private construction.
In general, social mortgage conditions for doctors lead either to a relaxation of the credit burden for them, or to support in making
An initial fee
A probable participant in the Russian social housing mortgage program must necessarily be tested for the ability to pay the cost of housing. Actually, on the volume of existing savings (initial housing contribution), on the volume monthly receipt the borrower's funds will depend on the scale of the loan received from the bank. To increase the amount of the mortgage home loan the lender can additionally use the help of other solvent citizens (in particular, close relatives), who will then be added to the mortgage lending agreement as separate co-borrowers.
Under these conditions, the regions are actively developing social mortgage.
Moscow
In Moscow, in 2017, there is an active introduction of social mortgage. The conditions in Moscow are especially good. Social financial lending participants will take out mortgages at 9.5%. But there are a number of limitations. Such a loan will be given only to those Muscovites who buy an apartment for themselves in new buildings in Moscow, which are part of the capital's housing stock, in a building erected at the expense of the city. Potential borrowers must have a passport with Moscow registration (residence permit), they must have a stable job with a constant income. In addition, they must meet certain criteria:
- be members of the state housing project "Housing for a Russian Family";
- work at the enterprises of the military-industrial complex;
- have a disability group or have a disabled child in the family.
Moscow region
The terms of social mortgage in the Moscow region are based on the same specific clauses as for residents of Moscow. The main criteria for obtaining such a loan are noted above. But it should be borne in mind that individual banks have their own characteristics of lending to customers, which can be found in the financial institution itself.
Tatarstan
In this region of our country, social mortgage is also very popular. The conditions of social mortgage in Tatarstan are aimed at obtaining benefits for employees of institutions who can effectively finance social mortgages.
Receiving housing under the social program takes place in a certain order. Competitions are organized in the region, apartments are chosen that can be handed over to citizens of the republic within the framework of the ongoing social mortgage on special conditions:
- The need of a citizen to improve housing conditions. At the same time, one family member must have at least 18 sq. m.
- The longest term of the issued social mortgage is a little over 28 years.
- The realizable interest rate is approximately 7%.
- An initial housing contribution is required. However, if a Russian has serious reasons, that is, it is possible to obtain the consent of the relevant authorities not to make this contribution.
- You can pay not only in cash... Regional program means payment by products own production on a personal farm or repayment of a loan by one's own labor.
- The part of the housing area that has not yet been paid for can be transferred to commercial lease.
- If a childless family received a social mortgage, and after a certain period the couple had a child, then the state pays assistance in the amount of 200 thousand rubles.
Participants of the social program in Tatarstan
Under the terms of a social mortgage in Tatarstan, a social mortgage can be obtained by:
- Russians working in budgetary bodies;
- employees of institutions included in the financing programs for social mortgages;
- Russians who need urgent support.
It is necessary to accumulate a great rating. It is determined by the amount of a person's savings. These funds must be in the account of the housing stock. The winner of the competition will be the citizen with the highest rating, whose application will meet all the requirements.
Of course, there is a social mortgage in Kazan. Its terms are generally similar to the provisions of the Tatarstan program. It should be noted that the social mortgage in Kazan for 2017 will enable many socially weak strata of citizens to take out a loan on preferential terms.
Related Articles
