Mortgages with state support without a down payment. Briefly about restructuring. Forms of state subsidies

Welcome! So, a mortgage with state support, the conditions for obtaining 2019 is the topic of our meeting today. You will learn what a mortgage with state support is, what are the programs of assistance from the state and banks, how to arrange everything correctly. Mortgage with state support 2019 is a sure way to profitably solve your housing problem.

Mortgages with state support - what does it mean? First of all, you need to decide on the essence of the state-supported mortgage program. Under it, it is customary to consider only subsidizing the interest rate to banks when applying for a mortgage by borrowers on housing from a developer or contractor.

In fact, in 2019, state-supported mortgages consist of a number of programs:

Subsidizing the mortgage rate by the state
Mortgage under maternity capital
social mortgage
military mortgage
Mortgage for a young family
Mortgage 6 percent
Mortgage restructuring with the help of the state.

The state mortgage support program is a whole set of tools from the state that allows you to get a mortgage on more favorable conditions than on the market for certain needy and socially significant categories of the population.

Also, state-supported mortgages are a set of measures from the state aimed at helping mortgage borrowers repay their mortgage loan faster through special subsidies, benefits and certificates.

Next, we will analyze in more detail mortgage lending with state support and you will learn how to get a mortgage with state support in your particular situation. Subsidized mortgage rate.

When the acute phase of the crisis in Russia began in 2015 and banks sharply raised mortgage rates, construction almost stopped. It became unprofitable to take a mortgage, and it was the main driver of home sales. Then the entire construction industry of the country was threatened.

To save the situation, a program was launched to subsidize mortgage rates from the state to banks when buying housing directly from the developer. The government signed Decree No. 220 of March 13, 2015, and pulled the banking and construction industry out of the crisis.

State support for mortgages consisted in the fact that it subsidized the bank according to the formula: the Central Bank rate + 3.5% points, and for this the bank had to issue a mortgage at a rate of 12% or less.

You can take out a mortgage if you meet the following requirements:

The seller is a legal entity (developer or contractor). It was impossible to take this loan for an apartment from an individual investor.
A mortgage for a secondary housing with state support is possible, but subject to 1 point in relation to the seller.
The first installment is too high - 20%.
Mortgages could only be issued for up to 30 years.
The mortgage amount is up to 3 million rubles in the regions and up to 8 million in Moscow and the region, St. Petersburg.

Matkapital gives the right to pay off a mortgage or pay a down payment. For 2017, the size is 453026 rubles. There is already information that it is planned to consider the issue of its extension until 2023. this tool has proven itself very well and has allowed many families to improve their living conditions.

The essence of the program.

Its main feature is that you can use state funds not only to pay off the mortgage, thereby reducing your debt to the bank and reducing the monthly payment, but also as a down payment. Thus, without money, you can get a mortgage simply by presenting a certificate.

The bank will issue you a mortgage for the entire cost of the apartment, and you must quickly contact the pension fund and write an application for the transfer of capital funds to a credit institution. This takes approximately 2 months. Thus, for the first two months you will pay in full from the entire cost of the apartment, and then the payment will be significantly reduced by.

A mortgage with state support from maternity capital can be issued in a number of the largest banks in the country. Such a loan is issued by Sberbank, Rosselkhozbank, Uralsib and a number of others. Rate from 10.4% for 2017.

social mortgage

The state program of mortgage lending is aimed at solving complex social problems in providing the population with their own housing. Another tool of the state has become a social mortgage.

What it is? Social mortgage is a multifaceted concept, consisting of a number of programs and products whose main goal is to support certain vulnerable categories of the population and socially significant areas of the economy (young families, teachers, doctors, military personnel, scientists, etc.).

A number of key areas can be identified:

Mortgages from AHML partners for state employees and the needy. It allows you to lower the down payment and the mortgage rate.

State program "Housing for the Russian family". It will reduce the cost of a square apartment and purchase it on preferential terms.

Participants of the "Young Family" program are entitled to state support with the payment of a down payment, and can also apply for benefits in banks and arrange a mortgage for a young family.

Regional programs to support mortgage borrowers.

You can find out how to get a preferential mortgage from our last post.

military mortgage

Program: state-supported military mortgages have long been a familiar sales tool for banks and a reliable assistant in solving the housing problem for the military. Especially for this category, a special military mortgage condition was launched.

The state pays for the mortgage under this program for the military. Also, the serviceman has a special account, he is regularly credited with money from the state in order to sell it for the purchase of housing. These funds can be used for the first installment.

You can learn more about how to apply for a military mortgage, under what conditions in which banks, from our special post.

Young family

The Young Family program is available at Sberbank and Rosselkhozbank. This program allows you to reduce the down payment to 10%, and you can also get a discount on interest. To become a member, it is enough that there is a child in the family and one of the parents is under 35 years old.

"Young Family" exists within the framework of a separate state program. With its help, you can get a subsidy from the state for a down payment in the amount of 35% of the cost of the apartment. But this program is associated with a large number of bureaucratic moments and requirements.

Mortgage 6 percent

At the end of November 2017, Vladimir Vladimirovich Putin announced a number of initiatives aimed at increasing the birth rate. among others, a preferential mortgage was announced for those who give birth to a second, third and subsequent child in the period from 01/01/2018 to 12/31/2022.

Participation in this program will allow you to receive a 6% mortgage rate for a period of 3-5 years, depending on how many children in your family were born after January 1, 2018.

This mortgage applies to the purchase of an apartment in a new building or the refinancing of an existing mortgage.

You will learn more in our other post.

Mortgage restructuring with the help of the state

If you already have a mortgage, then the state can provide you with support. We already wrote earlier that you can reduce your mortgage by 453,026 rubles with the help of the state using a maternity certificate, but do you want to get 1.5 million? Did you know that the state can write off up to 30% of your interest on the balance of the debt to the bank, but not more than the above amount?

From 2015 to 05/31/2017, a special one from the state is in effect - mortgage restructuring with the help of the state according to Resolution 373.

As part of this program, certain categories of mortgage borrowers, which we wrote about in a separate post, have the right to write off 20 or 30% of the mortgage. The state compensates the bank for lost income, and the borrower can significantly reduce the payment or pay off the mortgage in full.

Foreign currency borrowers, within the framework of this program, will be able to convert foreign currency mortgages into rubles. And if you just have a high percentage, then you have the opportunity to reduce it to 12% per annum. You can also get deferred payments as part of state support.

Conclusion

So, state support in resolving the issue of housing can be obtained not only at the time of registration of the mortgage, but also upon receipt. This suggests that mortgages will continue to be a reliable tool for solving housing problems for a long time to come.

The state understands this and will continue to develop programs to stimulate demand for mortgages, it will be more accessible to a wide range of segments of the population, and with the help of special programs will reduce the debt burden for certain categories of citizens who have already taken out a loan for housing.

We will be happy to answer your questions. A huge request to support the project and press the buttons of social networks, and do not forget to subscribe to updates. Ahead of the reviews are very interesting reviews of mortgage news.

It has been repeatedly said that before concluding a mortgage agreement, it is extremely important to analyze the offers of different banks, carefully read all the clauses of the document and not sign it if any of them can harm the borrower in the future. Since a housing loan is usually long-term, issued for fifteen or even thirty years, this already indicates that the overpayment of interest will be quite considerable. That is why other disadvantageous clauses in the main contract are highly undesirable. In addition, many citizens belong to privileged categories, which is also worth taking advantage of if possible.

Nevertheless, as practice shows, borrowers are not careful enough in their choice and show excessive carelessness, therefore they very often find themselves in a difficult financial situation, risking losing money, real estate, and their face in their credit history. This is especially acute against the backdrop of recent economic events, when the solvency of the population has fallen, and the foreign exchange rate has risen significantly and is not going to decline.

Since the Russian state actively contributes to solving the housing problem of its citizens, a special state support program was introduced, with which many large banks in Russia cooperate. Since Sberbank is the largest banking structure in the Russian Federation, especially in the issue of housing loans, it joined the project in the first place.

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Changes in government regulations

The assistance provided by the state is regulated by the relevant Government Decree No. 373, approved on July 23, 2015, with amendments and additions to it. This normative act regulates the list of basic conditions and the principle of providing state support for mortgage borrowers who, through no fault of their own, find themselves in a difficult situation and cannot independently fulfill their obligations to the bank on time.

In addition to the Government Decree, Presidential Decree No. 1331 was issued, referring to which state mortgage support 2017 and Sberbank conditions are being implemented to support the population, which can provide documentary evidence of the existence of grounds for obtaining one.

Initially, an amount equal to ten percent was allocated from the state budget to help pay off a mortgage loan, but today citizens can claim a refund of 20%, and in some cases, for example, for combat veterans or large families, the write-off amount can be even thirty percent. To participate in the program, customers who have taken a loan from Sberbank must apply to this particular financial institution.

What does Sberbank offer?

In 2017, Sberbank, with state support, provides assistance to its borrowers on the following terms:

Who is the help for?

State support approved by the federal program can be used by persons who have temporarily lost their ability to pay. These include borrowers who have lost thirty percent or more of their income within three months. In addition, a clear list of categories of citizens who can become participants in the social program through Sberbank has been defined.

Subject to changes in Government Regulation in force, it is permitted for a borrower's family to own not only a single mortgaged dwelling, but no more than fifty percent of other dwellings.

What is no less important for participation in 2017 is the purchase of budget housing for mortgage funds. In particular, if it is a one-room apartment, it should not have more than 45 square meters, if a two-room apartment - no more than 65 square meters, and a three-room apartment or more - a maximum of 85 square meters. These rules do not apply only in cases with large families.

Repayment of part of the debt

To date, Sberbank does not set deadlines for making early payments in the form of state debt write-offs. This is an important point, since until recently there were such restrictions and they were equal to three months from the date of approval and issuance of a housing loan. Moreover, the fixed amount of the minimum payment, which used to be in the amount of fifteen thousand, has now been canceled.

In order to write off part of the mortgage taken for the purchase or construction of residential real estate, the borrower, who belongs to one or more of the preferential categories listed above, must contact the local branch of Sberbank at the place of his residence or location to submit an appropriate application and clarify the list of necessary documents. In each individual case, the list will be somewhat different, since the categories of borrowers are not the same, as are the region of residence, real estate, the term of the mortgage, and the loan amount.

However, it is imperative to prepare documents that confirm the decrease in income and certify the fact that this happened through no fault of the borrower. The Bank considers all received requests and has the right to independently decide which of them to transfer further to the state body, and which ones to refuse.

Full refund

It is possible to talk about the full repayment of a housing loan only in the context of large families. However, it is important to bear in mind that the state budget is not unlimited and therefore one such family can be allocated an amount of no more than thirty percent of the debt. Accordingly, if the balance of the debt is too large, the state will not repay it in full. Partially - yes, but this is still a burden on the borrower's family and he will have to pay most of it himself.

In this case, it is necessary first of all to obtain the status of a large family. Unlike the procedure described above, here you need to apply not to Sberbank, but first to the Pension Fund. You will need to have identification documents for each family member (passports of the spouses, birth certificates of all young children), marriage certificate, papers certifying the right to own real estate, the main mortgage agreement, certificate with the balance of the debt, etc.

Further, the application and documents will be considered by state authorities. Upon approval, the funds will be transferred directly to the Sberbank account, bypassing the borrowers' account. This is done to ensure that the allocated funds are used in accordance with the purpose of their issuance. If there are any difficulties with registration, you can request an extension of the mortgage payment period and, if Sberbank extends it, conclude a debt restructuring agreement with it.

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The Government of the Russian Federation on the basis of a special resolution No. 220 dated March 13, 2015 fixed the bank mortgage rate at the level of 12% per annum for the entire term of the loan agreement, and compensates for the lost profits of banks from the state budget. Not all banks are admitted to this state program, but only "selected ones". All! Everything is simple!

Do not read other "crap" that state support for mortgages is also a mortgage for a young family, for civil servants, a social mortgage (this is not all that). However, until March 2017, the following feature is now in effect - state assistance to mortgage borrowers, during which you can “knock off” 20% of your mortgage loan debt.

The government has planned the action of mortgages with state support for only 1.5 years - from mid-2015 to the end of 2016. All those who managed to conclude a loan agreement during this period of time received a fixed interest rate of 12% for the entire term of the mortgage loan.

However, during 2016, either the media or officials periodically spread rumors that the state-supported mortgage could be extended to 2017.

Status for 2017

100% CORRECT INFORMATION!
Mortgages with state support in 2017 will not be extended. Its operation ended in 2016. And there are no plans to reopen. This was officially announced by Chairman of the Government Shuvalov - they say that the situation in the economy has improved, we have found another bottom, the demand for mortgages is growing on its own, the need to stimulate it has disappeared.

As proof of this, go to the official websites of our major banks in the country, which were allowed to participate in state support for mortgages until 2017: Sberbank, VTB, Rosselkhozbank and others.

What do we see there?

Sberbank as of 2017 has only the following types of mortgages:

You see, there are NO mortgages with state support in Sberbank in 2017!

VTB has the following:

As you can see, there are NO mortgages with state support at VTB24 in 2017 either!

Rosselkhozbank has:

mortgage on 2 documents

REAL REASONS FOR TERMINATION OF THE PROGRAM!

In our private opinion, the reason for the cancellation or non-renewal of state-supported mortgages in 2017 lies not in the fact that demand has recovered (this is still a dubious statement by the Russian government, not supported by figures), but in the fact that the state has run out of money even for these goals. For 1.5 years, about 1 trillion rubles were spent on subsidies (for additional payments to banks). The main recipient of this money was, of course, Sberbank, which, given the lack of liquidity and falling demand for everything and everything, is simply priceless for any company.

It is also necessary to take into account that the government allocated money for this state mortgage support program until 2017 by cutting other social budget items, that is, they subsidized one at the expense of cutting the other.

That is, there is no money, but we are holding on!

Terms of receipt

Of course, since the state-supported mortgage program for 2017 has not been extended, further discussion about its conditions, requirements for the borrower and real estate is not worth it, but there are still users on the Internet who are interested in these details.

All of them are written in our .

But you can repeat.

Terms of provision:

the interest rate on mortgages with state support was no higher than 12% per annum in all banks of the Russian Federation (there were rates and lower)
this rate must be fixed in the loan agreement and be unchanged throughout the entire period of its validity
it was necessary to make from 20% of the total value of the property as a down payment ()
you had to insure your life, otherwise the bank had the legal right to raise the rate above 12% per annum
the bank had the right to introduce additional commissions under this program, the main thing is that the rate itself does not exceed 12% per annum (but it turns out that the full cost of the mortgage could be much higher in percentage terms)
the value of real estate should not exceed 9.5 million rubles for Moscow and St. Petersburg
and 3.5 million for other regions of Russia

Requirements for borrowers and real estate

You need to understand that the state did not interfere with this state program in the policy of banks in relation to the formation of requirements for potential borrowers. It did not impose its own, did not form a list of social groups to whom it could be available.

In fact, everyone could participate, everyone who fit the standard requirements of banks:

age from 20 to 65 years (so that the citizen is not too young, but not too old to have time to pay off the loan)
having a down payment
seniority
stable, enough white income to pay the monthly payment (so that there is still money to live on)
the ability to insure your life and a separate property
positive credit history

Real estate requirements:

the object you chose should have belonged to a legal entity (that is, in fact, developers)
it should have been no more expensive 9.5 million for Moscow and St. Petersburg and 3.5 million for other regions
other requirements for real estate that are quite standard for mortgage loans (age, condition, legal cleanliness, location from a bank branch, and so on)

Welcome to the pages of the online magazine "Ipotekoved.RU". Today we will talk about what a mortgage assistance program is and how exactly you can get help in repaying a mortgage from the state in 2019.

Today you will learn:

— What is the assistance program for certain categories of mortgage borrowers?

- How to get help in paying off a mortgage from the state?

- Reviews of those who received state assistance in paying mortgages.

So go ahead!

Mortgage has become one of the effective tools for solving the housing problem in Russia. Yes, it has a number of pluses and minuses, which we will consider in a separate post of our project, but this is a real opportunity, especially for young families, to purchase housing.

With the onset of another crisis in the economy, the state had to provide support to mortgage borrowers who found themselves in a difficult financial situation. In April 2015, the corresponding Decree 373 of the Government of the Russian Federation dated April 20, 2015, signed by D.A. Medvedev. JSC "Agency for Housing Mortgage Lending" became the operator of the implementation of this project.

Initially, this resolution provided for the validity of the assistance program until the end of 2016, but it has been repeatedly amended and supplemented. To date, according to the latest changes 373 of the Government Decree dated November 24, 2016, assistance to mortgage borrowers (mortgage restructuring) is valid until March 1, 2017(extended until May 31, 2017 Decree of the Government of the Russian Federation of February 10, 2017 No. 172, since March 7, 2017, the acceptance of new applications has been suspended due to the expenditure of funds under the program.

However, in July 2017, an additional 2 billion rubles were allocated from the government fund to restart the program. On August 11, 2017, new conditions for participation in the mortgage borrower assistance program came out - which you will learn about from this post) and is as follows:

The borrower's mortgage obligations to the bank are reduced in the amount of 20% to 30% of the balance (at the discretion of the lender's bank), but not more than 1,500,000 rubles.
By agreement between the borrower and the bank, you can choose the format of assistance, namely, either send the entire amount of assistance to the mortgage to pay off the principal and thereby reduce the monthly payment, or to reduce the monthly payment by 50% or more for up to 1.5 years.
Replacing a foreign currency mortgage with a ruble one. At the same time, the mortgage rate cannot be higher than 11.5% per annum. For a ruble mortgage, not higher than the bank's current rate, except in cases stipulated by the mortgage agreement, in case of violation of insurance rules.
Until September 1, a special interdepartmental commission should be created, which will be able to increase the maximum payment under the program by 2 times and approve applications for participation if there are deviations from the basic conditions, but not more than in two points.

Example: If a family has a mortgage balance at the time of restructuring is 2 million rubles and, after checking the documents of AHML, the creditor bank decided to write off the debt in the amount of 20% of the balance of the principal debt, then with a mortgage of 12% per annum with a remaining term of 10 years payment to be reduced from the planned 28694 rubles. per month up to 22955. Benefit 5739 rubles.

There is an opinion that very often banks refuse to restructure mortgages, but in fact this procedure is very beneficial for them. losses incurred by the bank (lost interest income) due to early repayment are compensated by the state.

Changes in the assistance program for mortgage borrowers dated February 10, 2017 suggest that the maximum reimbursement of 30% of the balance (up to 1.5 million rubles) is compensated by the state only if the family has two children or you are disabled (child disabled), and combat veterans may also apply. With one child you can only claim 20%. The amendments dated August 10, 2017 make it possible to double the amount of the maximum payment by decision of a special interdepartmental commission. Also, a mortgage loan must be issued no earlier than 12 months before the date of filing an application for restructuring.

After analyzing the negative reviews about the payment of a mortgage with the help of the state, our experts came to the conclusion that most often the reason for refusal is false information provided by the borrower and lack of knowledge of the basic requirements and conditions for state support. Let's talk about them now.

Important point! The acceptance of documents under the Program has been suspended since December 2, 2018 and the program is no longer working.

Who can receive support from the state

Government Decree No. 373, as amended on November 24, 2016, provides for the following list of persons to whom the state can help pay mortgage payments:

Citizens of the Russian Federation with 1 or more minor children;
Guardians (custodians) of 1 or more minor children;
Participants in hostilities;
Disabled people or families with disabled children;
Citizens with dependent children under 24 who study full-time at an educational institution.

Mortgage requirements

To receive assistance from the state, a mortgaged apartment must meet these characteristics:

It should not exceed the total area for a one-bed apartment - 45 sq.m., for an apartment with two rooms - 65 sq.m. and for three rubles and more - 85 sq.m.
The cost of 1 sq.m. total area of housing exceeds no more than 60% of the average cost of a typical apartment in your region on the date of conclusion of the loan agreement (according to the Federal State Statistics Service).
The dwelling must be the only one for the mortgage borrower. At the same time, it is allowed to have a total share of ownership of all family members of no more than 50% in one other residential building. The countdown on the availability of property is from 04/30/2015. Those. it will not be possible to quickly rewrite / donate “extra” real estate in order to become a member.

Important point! The requirement for the total area of mortgage housing and the cost per square meter does not apply to families with 3 or more minor children. If you have more than 50% property in other housing, then you will be denied under the program, but you can transfer it to relatives and then everything will be ok. To do this quickly and without problems, we recommend that you sign up for a free consultation with our lawyer (promotion until 12/31/2019) in a special form in the corner. From 08/11/2017, disputes over square meters and deviations under the program must be resolved by a special interdepartmental commission, which will be created in September.

Requirements for mortgage borrowers

Russian citizenship
Your income is below two living wages at your place of residence for each person in the family, after subtracting your monthly mortgage payment from them. Three full last months are analyzed. In this case, the mortgage payment must increase by at least 30% of the initial payment.

Those. this program is only suitable for foreign currency mortgages and those borrowers who have a floating rate. For ordinary mortgage borrowers, a situation is impossible when the current payment is 30% higher than the original one. But when the interdepartmental commission starts working, it will be possible to submit an application for consideration there. up to 2 deviations from the conditions are allowed. Deviation on increase in monthly payment including.

If you have a co-borrower in the mortgage and he has a share in the property in this apartment, then he is obliged to provide a full package of documents both for himself and for his family members.

Now answer these questions. If you received a “NO” answer for one of them, then you will not be able to apply for participation in the mortgage borrower support program in 2019.

Do you have minor children or are you the guardian (custodian) of such children?
Home mortgage bought in Russia?
Are all mortgage borrowers citizens of the Russian Federation?
After deducting the mortgage payment, is the income for each member of your family less than two living wages in your area?
Has your payment increased by 30% from the original schedule?
Is the mortgage issued for the purchase of ready-made or housing under construction?
The total area of housing is less than 45 sq.m for a odnushka, 65 sq.m. for kopeck piece and 85 sq.m. for three rubles and above (except for families with 3 or more children).
The cost of 1 sq.m. no more than 60% of the average cost of a square in a typical apartment in your region?

If all your answers are “Yes”, then you will be able to receive support from the state in paying off mortgage loans.

How to get government support

Now you already know that you can count on government support in paying off your mortgage. Now it remains to find out how to get it.

First of all, you need to contact the bank where you received the mortgage. Almost all major banks participate in this program of assistance to mortgage borrowers. The full list can be downloaded.

As a rule, this issue is dealt with by the department for dealing with overdue debts. It is enough just to call the contact center of your bank and find out where it is located.

The bank will give you a list of documents for state support for a mortgage. An example list is shown below:

An application form with the obligatory indication of the reason for providing you with assistance from the state (reduction in income, reduction, decree, etc.).
Passports, birth certificates of minors of all family members.
Marriage certificate (if the marriage is registered).
Certificate of divorce, change of full name, parents and children, agreement of parents on the residence of the child with one of the parents (if required).
The decision of the guardianship authorities or the court decision on the establishment of guardianship (for guardians and trustees).
War Veteran's Certificate (for veterans).
Documents on disability from the borrower or co-borrower or from their children.
Birth certificate for dependents under the age of 24.
Certificate of family composition to confirm the residence of a dependent under 24 years of age with the borrower/co-borrower.
A certificate from an educational institution stating that a child under 24 years old who is dependent on the borrower/co-borrower is studying full-time.
Notice from the Pension Fund that a dependent person under 24 years of age does not have independent labor income.
A certified copy of the work book of the borrower/co-borrower.
Official certificate from work (for military or law enforcement officers).
IP registration certificate (for individual entrepreneurs).
Order of the Ministry of Justice of Russia on appointment as a notary (for notaries).
Employment book and/or expired employment contract for the unemployed.
Document on registration with the employment service (for unemployed).
Notification of the pension fund on the state of the personal account of the insured person (for all).
Certificate from the FSS of the Russian Federation on income from temporary disability, benefits and other payments.
Certificate of income in the form of 2 personal income tax or in the form of a bank from all family members.
Bank certificate on the total amount of family income (provided by the bank).
Tax returns, patents, etc.
Information about the amount of pension for pensioners.
Loan agreement
Mortgage (if issued, it is in the bank).
An application from borrowers that they have real estate in Russia.
Equity agreement (for a mortgage on a new building).
Mortgage collateral appraisal agreement.
Technical / cadastral passport for residential premises.
Mortgage payment schedule.

The list is quite impressive and will make you run a little, but it's worth it. The only moment that is rather complicated is extracts from the USRN. They cost money. One statement on the rights to property throughout Russia is 1,500 rubles per person and no one will return them to you if you refuse. There were a lot of complaints about this last time. From 08/11/2017, the requirement for an extract from the USRN has been cancelled. The bank has no right to demand it. AHML independently requests it.

After the complete list of documents is submitted to the bank, the responsible officer must send them to AHML for verification. On average, it lasts 30 days, but the feedback from the participants indicates that it can reach up to six months. the bank and AHML request additional documents at their discretion.

When AHML makes a positive decision, the bank will notify you of the date of the meeting. Next, you will need to sign a new payment schedule, a new PSK document, conclude a restructuring agreement (additional agreement to the mortgage agreement), an agreement on changing the terms of the mortgage. Next, you will need to wait from 2 to 4 weeks, when the mortgage will be requested from the bank's archive. After that, it is necessary, along with a full package of loan documents and an agreement on changes in the terms of the mortgage (be sure to make copies), to visit justice for state registration of changes.

The process is similar in Gazprombank. VTB 24 closes the mortgage and issues a new loan for a smaller amount, which means that you again have to pay insurance and assessment costs.

There is no mortgage restructuring fee. Carrying out this procedure does not exempt you from paying the monthly payment and insurance premiums stipulated by the contract.

Purchasing a home with a loan is a heavy burden for Russians with low incomes. They must pay the principal and interest on the loan. To alleviate the fate of borrowers since 2015, the Russian government has provided a program of state support for mortgage lending.

Has the state-supported mortgage been extended in 2017?

The program involves state support for borrowers through partial financing of housing loan costs. It was adopted after experts analyzed the housing construction market and the demand for mortgage lending. Higher borrowing rates led to a drop in demand for home loans and an outflow of investment from the construction industry. Developers experienced significant difficulties in continuing to operate in the housing market.

In 2016, government officials and experts made statements that banks had significantly reduced tariffs on housing loans, and the construction industry was revived at the expense of citizens' funds. There were suggestions that the extension of the state mortgage support program for 2017 is not expected. The financial services market showed a further decline in the cost of mortgage loans, so the end of the program was envisaged for December.

Extension of the mortgage term with state support 2017

Through the expected end of the state program, the fourth quarter of 2016 was distinguished by a lively filing of applications from the population for preferential loans. The banks participating in the project stated that state support for mortgages in 2017 will be valid until March, and in the second quarter and until the end of 2017, financial market experts predict a natural fall in housing lending rates.

Types of state support for mortgages

The social program of state support provides for the possibility for citizens, when applying for a housing loan, to take advantage of state subsidies and reimburse part of the costs of the loan at the expense of the Pension Fund. Types of state-supported mortgages depend on:

source of financing (local, state budgets);
targeted orientation of the social program.

There are various ways to reimburse the population for housing loans as compensation:

down payment;
parts of the loan;
parts of the interest on the loan;
or granting a preferential interest rate by a credit institution.

Social mortgage in 2017

According to the existing program, all employed citizens who need housing or improved living conditions can take advantage of state assistance. The purchase of a property with partial reimbursement of expenses from public funds is possible only in new buildings. Benefits are not provided for the secondary housing market. The state obliged banks to inform borrowers about the full cost of a housing loan at the beginning of the contract. Preferential mortgage in 2017 is issued on the following terms:

lending up to 30 years;
making a down payment of 15% of the cost of housing;
the possibility of pledging other property instead of the down payment;
compensation of part of the loan by means of maternity capital;
the ability to reduce interest on a loan when depositing funds in excess of 40% of the value of the property.

As an additional bonus from the state, borrowers are entitled to a tax refund of up to 260,000 rubles. The program involves the execution of an insurance policy for the acquired property. The state provides preferential conditions for the provision of credit services to certain social groups:

Young families.
Military.
Public sector employees.
Pensioners.

Sometimes it is possible for the bank to reduce interest to borrowers:

payroll card holders;
for new buildings from partners with whom banks cooperate;
conscientious clients with excellent credit history on previous loans.

Extension of mortgage restructuring with state support

For people who have issued a mortgage loan in previous years in foreign currency or are experiencing financial difficulties due to a decrease in income, support is provided - debt restructuring. It involves compensation to the borrower of a part of the remaining bank loan. Mortgage restructuring under the state support program provides for an extension until the end of May 2017.

The program was extended with changes. The preferential list of categories of social groups that are given the opportunity to process restructuring has been expanded. The list of categories: the disabled, war veterans, families with minor children was added by families with adult children who study at universities. The maximum amount of compensation increased to 30% of the outstanding amount of the debt and amounted to 1,500,000 rubles. Borrowers can clarify all the nuances of restructuring by calling the hotline of the Mortgage Lending Agency.

Mortgage with state support from Sberbank

Sberbank is included among the banks that work on state support. Mortgage with state support 2017 - its extension at Sberbank provides for lending to all citizens and special categories: military, young families. Since February 2017, the credit institution has reduced interest rates on housing loans. An additional bonus of 0.5% per annum is provided to young families and a borrower who completes the purchase of housing online. The Bank has expanded the list of areas in which borrowers are provided with a 0.5% bonus on mortgages.

Mortgages with state support in Sberbank are issued to working citizens after reaching the age of 21. The maximum age is considered to be 75 years at the end of the loan agreement. For citizens who have not taken out life insurance, the age for issuing a loan is limited to 65 years. Early repayment of a home loan is allowed. There are no restrictions on the minimum amount of early repayment.

Obtaining a housing loan involves providing a credit institution with the following documents:

confirming the ownership of the pledged property;
passports;
statements.

After the bank decides to issue a loan, it is necessary to draw up documents for the acquired object within 60 days and provide it to a credit institution. Additional documents may be required.

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