Mortgage decree. Myths about preferential mortgages for families with children. What are the requirements for a potential borrower?

Decree of the Government of the Russian Federation of April 20, 2015 N 373
"On the main conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and increasing the authorized capital of the joint-stock company "DOM.RF"

July 17, December 7, 2015, November 24, 2016, February 10, August 11, 2017, October 3, 2018

In order to implement the plan of priority measures to ensure sustainable development economy and social stability in 2015, approved by order of the Government of the Russian Federation dated January 27, 2015 N 98-r, the Government of the Russian Federation decides:

1. Approve the attached basic conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation.

2. To the Ministry of Construction and Housing and Communal Services of the Russian Federation to send to the joint stock company "Agency for Housing Mortgage Lending" in the prescribed manner Federal budget funds in the amount of 4.5 billion rubles, provided for in the Federal Law "On the Federal Budget for 2015 and for the planning period of 2016 and 2017", as a contribution to the authorized capital of the joint stock company "Agency for Housing Mortgage Lending" for the implementation assistance programs for certain categories of borrowers for residential mortgage loans (loans) who find themselves in a difficult financial situation.

3. The Federal Agency for State Property Management shall ensure, in accordance with the established procedure, an increase in the authorized capital of the joint-stock company "Agency for Housing Mortgage Lending" by 4.5 billion rubles by placing additional shares and carry out actions related to the acquisition of these shares and registration of ownership rights to them of the Russian Federation, in accordance with a tripartite agreement between the Ministry of Construction and Housing and Communal Services of the Russian Federation, the Federal Agency for State Property Management and the joint-stock company "Agency for Housing Mortgage Lending".

3.1. Allow the joint stock company "Housing Mortgage Lending Agency" to:

use cash, received in accordance with paragraph 2 of this resolution, for the purpose of compensation for lost income or losses (part thereof) to creditors (lenders) on mortgage housing loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", for housing mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint stock company "House Mortgage Lending Agency" for mortgage housing loans (loans), the rights of claim for which were acquired by this company, if the specified housing mortgage loans ( loans) are restructured in accordance with the basic conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) approved by this resolution (hereinafter referred to as the program);

place temporarily available funds received for the purpose of implementing the program in accordance with the legislation of the Russian Federation and use the income received from their placement to finance the program and compensate for their operating expenses associated with the implementation of the program, the list of which is determined by the supervisory board of the joint-stock company "Housing Mortgage Agency" lending".

Approved
Government resolution
Russian Federation
dated April 20, 2015 N 373

Basic conditions
implementation of an assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation

With changes and additions from:

1. The main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation (hereinafter referred to as the program) determine the conditions for the restructuring of housing mortgage loans (loans) for certain categories of borrowers who find themselves in a difficult financial situation, and also the conditions for compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities”, for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and joint stock to the company "DOM.RF" for housing mortgage loans (loans), the rights of claim for which were acquired by this company, losses (parts thereof) arising as a result of such restructuring (hereinafter referred to as creditor, borrower, compensation, restructuring, respectively).

2. Reimbursement under the program is carried out one-time for mortgage housing loans (loans) restructured in accordance with this document, in the manner established by the joint-stock company "DOM.RF", published on its official website on the Internet information and telecommunication network.

3. Losses (part thereof) of the creditor for each mortgage housing loan (loan) restructured in accordance with this document are subject to compensation in the amount by which, as a result of restructuring in the cases provided for in subparagraph "c" of paragraph 10 of this document, the amount of monetary obligations of the borrower under the credit agreement (loan agreement), but not more than the maximum amount of compensation established by clause 6 taking into account clause 7 of this document.

4. Reimbursement under the program is carried out within the limits of funds provided for the implementation of the program.

5. Restructuring is carried out on the basis of the creditor’s decision on the application for restructuring submitted by the borrower to the creditor (hereinafter referred to as the application for restructuring).

Restructuring can be carried out by concluding an agreement between the creditor and the borrower (joint and several debtors) to change the terms of a previously concluded credit agreement (loan agreement), concluding a new credit agreement (loan agreement) for the purpose of full repayment of debt on a restructured mortgage loan (loan), concluding a settlement agreement (hereinafter referred to as the restructuring agreement). The terms of the restructuring agreement must comply with the requirements established by paragraph 10 of this document.

6. The maximum amount of compensation for each restructured mortgage housing loan (loan) is 30 percent of the balance of the loan (loan) calculated as of the date of conclusion of the restructuring agreement, but not more than 1,500 thousand rubles, except for the cases provided for in paragraph 7 of this document.

7. In accordance with the decision of the interdepartmental commission for making decisions on compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities” for residential mortgage loans (loans), rights of claim for which were acquired by mortgage agents, and the joint stock company "DOM.RF" for mortgage housing loans (loans), rights of claim for which were acquired by this company, losses (part of them) arising as a result of the restructuring of mortgage housing loans (loans) in accordance with the terms of the program (hereinafter referred to as the interdepartmental commission), the maximum amount of compensation for each restructured mortgage housing loan (loan) based on the corresponding application of the creditor to the interdepartmental commission can be increased, but not more than 2 times, in the manner prescribed by the regulations on the interdepartmental commission .

8. Unless otherwise provided by this document, as of the date of filing the restructuring application, the following conditions must be simultaneously met:

a) the borrower (joint and several debtors) is a citizen of the Russian Federation belonging to one of the following categories:

citizens who have one or more minor children or are guardians (trustees) of one or more minor children;

citizens who are disabled or have disabled children;

citizens who are combat veterans;

citizens who are dependent on persons under the age of 24 who are students, students (cadets), graduate students, adjuncts, residents, assistant trainees, interns and full-time students;

b) change in the financial situation of the borrower (joint and several debtors) - the average monthly total income of the family of the borrower (joint and several debtors), calculated for 3 months preceding the date of filing the application for restructuring, after deducting the amount of the planned monthly payment on the loan (loan), calculated for the date preceding date of filing the application for restructuring, does not exceed for each family member of the borrower (joint and several debtor) twice the minimum subsistence level established in the constituent entities of the Russian Federation in whose territory the persons whose income was taken into account in the calculation live. In this case, the average monthly total income of the family of the borrower (joint and several debtors) in the calculation period is equal to the sum of the average monthly income of the borrower (joint and several debtors) and members of his family, which for the purposes of this subclause includes the spouse of the borrower (joint and several debtor) and his minor children, in including those under his guardianship or trusteeship, as well as persons specified in paragraph five of subparagraph "a" of this paragraph, and the amount of the planned monthly payment on the loan (loan), calculated as of the date preceding the date of filing the application for restructuring, has increased by no less than by 30 percent compared to the amount of the planned monthly payment calculated on the date of conclusion of the credit agreement (loan agreement);

c) security for the fulfillment of the borrower's obligations under a credit agreement (loan agreement) is a mortgage of a residential premises located on the territory of the Russian Federation, or a pledge of rights of claim to such residential premises arising from an agreement for participation in shared construction that meets the requirements of the Federal Law "On Participation in Shared Construction" construction apartment buildings and other real estate objects and on amendments to certain legislative acts of the Russian Federation" (hereinafter referred to as the agreement for participation in shared construction);

d) the total area of ​​residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), does not exceed 45 square meters. meters - for a room with 1 living room, 65 sq. meters - for a room with 2 living rooms, 85 sq. meters - for a room with 3 or more living rooms;

e) residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), is (will be) the only housing of the mortgagor. At the same time, in the period starting from the date of entry into force of the Decree of the Government of the Russian Federation of April 20, 2015 N 373 “On the main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and an increase in the authorized of the capital of the joint-stock company "DOM.RF" on the date the borrower submits an application for restructuring, the aggregate share of the mortgagor and his family members in the ownership of no more than 1 other residential premises is allowed in the amount of no more than 50 percent. For the purposes of this subclause, to family members The mortgagor includes the spouse of the mortgagor and his minor children, including those under his guardianship or trusteeship. Compliance with the specified conditions is confirmed by the borrower's application in simple written form. The borrower's submission of information from the Unified State Register of Real Estate is not required. Joint Stock Company "DOM.RF" “checks the information provided by the borrower in accordance with this subparagraph;

f) the credit agreement (loan agreement) was concluded at least 12 months before the date the borrower submitted an application for restructuring, except for cases where the mortgage loan (loan) was provided for the purpose of full repayment of debt on a housing mortgage loan (loan) provided at least than 12 months before the date the borrower submits the restructuring application.

9. In case of non-compliance with no more than two conditions provided for in paragraph 8 of this document, payment of compensation under the program is allowed in accordance with the decision of the interdepartmental commission in the manner prescribed by the regulations on the interdepartmental commission.

10. The restructuring agreement must simultaneously provide for the following conditions:

a) changing the currency of the credit (loan) from foreign currency to Russian rubles at a rate not higher than the rate of the corresponding currency established by the Central Bank of the Russian Federation as of the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency);

b) setting the lending rate not higher than 11.5 percent per annum (for credits (loans) denominated in foreign currency) or not higher than the rate in effect on the date of concluding the restructuring agreement (for credits (loans) denominated in Russian rubles);

c) reduction of the monetary obligations of the borrower (joint and several debtors) in the amount of not less than the maximum amount of compensation established by paragraph 6 taking into account paragraph 7 of this document, due to a one-time forgiveness of part of the credit (loan) amount and (or) changing the currency of the credit (loan) from a foreign one currencies for Russian rubles at a rate lower than the rate of the corresponding currency established by the Central Bank of the Russian Federation on the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency);

d) exemption of the borrower (joint and several debtors) from paying the penalty accrued under the terms of the credit agreement (loan agreement), with the exception of the penalty actually paid by the borrower (joint and several debtors) and (or) collected on the basis of a court decision that has entered into legal force.

11. When concluding a restructuring agreement, it is not allowed to reduce the terms of mortgage housing loans (loans) and (or) charge the creditor from the borrower (joint and several debtors) of a commission for actions related to the restructuring.

12. All payments under the program are carried out in Russian rubles at the rate of the corresponding currency established by the Central Bank of the Russian Federation on the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency).

It was decided to take a number of measures aimed at supporting certain categories of borrowers on housing mortgage loans (loans) who find themselves in a difficult financial situation.

A list of such borrowers has been established. These include citizens with two or more minor children, military veterans, disabled people, employees of scientific organizations, state and municipal institutions of health care, culture, social protection, employment, physical education and sports, and organizations of the military-industrial complex.

For these persons, the possibility of restructuring mortgage debt is provided on the basis of an application. For example, if their income has decreased by more than 30%. The loan was provided in foreign currency, payments for which increased by more than 30% due to the depreciation of the ruble (compared to the monthly payment in September 2014).

Requirements have been established for the subject of the mortgage (including location, area of ​​living space, cost), as well as for the loan itself. The purpose of the latter is participation in shared construction, purchase of housing, major repairs, etc. The delay in payments as of the date of filing the application is no less than 30 and no more than 120 days. The loan was issued no later than January 1, 2015.

As part of the restructuring, it is envisaged to reduce the borrower's payments on the loan during the assistance period of up to 12 months, forgive part of the principal debt and change the terms of the loan by the lender, as well as establish interest rate at a level not exceeding 12% per annum.

The creditor is given the right to receive compensation for part of the lost income during the period of assistance, which ranges from 6 to 12 months.

The maximum amount of compensation for each loan for part of lost income or loss is 200 thousand rubles.

In order to implement the assistance program, the authorized capital of OJSC AHML was increased by 4.5 billion rubles.

Decree of the Government of the Russian Federation of April 20, 2015 N 373 “On the main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and on increasing the authorized capital of the joint-stock company "DOM.RF"

This resolution comes into force upon its official publication

Subparagraph "c" of paragraph 2 of the main conditions for the implementation of the program approved by this resolution comes into force of the said resolution

The changes come into force 7 days after the official publication of the said resolution

The changes come into force 7 days after the official publication of the said resolution

The changes come into force 7 days after the official publication of the said resolution

Since 2018, Russian families in which starting from January 1, the second and/or third child will be born, can issue mortgage at 6 percent per annum for the purchase of housing on the primary market: finished residential premises under a purchase and sale agreement or at the construction stage under an equity participation agreement. On instructions from the President, the government developed rules, which establish the goals, procedure and conditions for providing subsidies for preferential mortgages. The rules were approved by the relevant Government Resolution No. 1711 of December 30, 2017.

Families who have previously taken out an existing mortgage loan, if it is refinanced after January 1, 2018, provided that they have a second and/or third child during the program period, will also be able to receive a preferential rate of 6%.

The period for subsidizing mortgages by the state will be 3 years for the second child and 5 years for the third child. During this period, the state will pay the interest rate on a housing loan exceeding 6% to the bank.

Conditions for subsidizing mortgages in 2018 by the state

Due to the wide range of families eligible Presidential decree on reducing mortgages from January 1, 2018, the new program is already mistakenly perceived by citizens as several separate ones, in particular:

• state mortgage program for young families in 2018 - for the second child;
• state mortgage program for large families in 2018 - at the birth of the third child.

In fact, all families will be able to participate in the new program for obtaining a mortgage at 6% per annum, regardless of the age of the parents, in which the the following conditions:

1. The second or third child will be born during from January 1, 2018 to December 31, 2022. Children born before 2018 are not covered by the program, which already causes understandable dissatisfaction among families in which children 2 and 3 were born earlier (for example, at the end of 2017).
2. Mortgage loan (loan) in rubles in any Russian bank or in JSC AHML (Housing Mortgage Lending Agency) no earlier than January 1, 2018. The program does not apply to housing loans received before 2018.
3. Maximum amounts loans for preferential mortgages at 6% - 8 million for Moscow, St. Petersburg, Moscow and Leningrad regions and 3 million for other cities of Russia. In this case, the down payment on the loan must be equal to at least 20% of the cost of the purchased home.
4. Housing is purchased using a mortgage loan on the primary market. This can be a ready-made residential premises purchased under a purchase and sale agreement or purchased at the construction stage under an equity participation agreement (it can also be a premises with land plot).
5. Families who take out a mortgage loan after January 1, 2018, and during the program period - before the end of 2022, will have a second and/or third child. refinance loan also at 6% per annum for three or five years, respectively.
6. To obtain or refinance a loan at 6% per annum, the borrower must enter into personal insurance contract(life, accident and illness), as well as an insurance contract for residential premises (after ownership is registered).
7. Mortgage loans will be subsidized by the state only if the borrower complies with the terms of the loan agreement(makes payments on time).

Thus, the action of the state program of preferential mortgages at 6% is aimed, first of all, to stimulate fertility and assistance to families with children in solving housing problems, as well as stimulating the mortgage lending and housing construction markets.

The procedure for reducing the mortgage rate for a family upon the birth of a child

Participation by borrowers themselves in the mortgage subsidy program since 2018 minimized- they will not need to coordinate benefits with any authorities other than the bank itself where the loan is issued. Bank immediately issues a loan at a preferential rate, after which he receives a subsidy from the state for 3 or 5 years.

The state program of preferential mortgages is long-term in nature. Its total validity period designed for 5 years- until December 31, 2022. However, certain nuances should be taken into account here:

1. At the birth of a second child State subsidization of mortgage rates above 6% per annum will be carried out for three years from the moment the loan is issued - that is, not for the entire term of the mortgage loan, which can be taken out for 10 or 20 years.
2. At the birth of the third child - for a period of five years, wherein:
   • If a family applies for a subsidy for a preferential mortgage in connection with the birth of a second child, and a third child is born in the period before December 31, 2022, then the subsidy will apply to her will be extended for five years from the moment it ends for the second child;
   • also, if in a family that has received a subsidy for three years in connection with the birth of a second child, a third child is born after the end of the subsidy period, but no later than December 31, 2022, then a new subsidy can be provided to the family for another five years from his birth.

According to new resolution Government No. 1711 dated December 30, 2017 approved the rules according to which banks will receive subsidies from the state for issued preferential loans. Wherein:

• subsidies will be provided to the bank in the amount of the difference between the refinancing rate established on the first day of the month for which the subsidy is provided plus two percentage points and six percent at which the preferential loan was issued;
• after the grace period expires, the interest rate on the loan, which will be specified in the agreement, should be no more than the refinancing rate in effect at the time of signing the loan agreement plus two percentage points. For example, as of January 1, 2018, the key rate of the Central Bank of Russia is 7.75%. If you add 2 percentage points, you get 9.75%. That is, the loan agreement concluded to obtain a preferential mortgage at 6% in January 2018 must also indicate the amount of the interest rate that will be in effect after the end of the grace period, not higher than 9.75%. In addition to state subsidies for mortgages, from 2018 the following new presidential elections appear measures to support families with children:
  1. Monthly benefit for the birth of the first child under 1.5 years of age in the amount of the child’s subsistence level for families whose income does not exceed one and a half times the subsistence level (ML) in the region (Law No. 418-FZ “On monthly payments families with children" came into force on January 1, 2018).
  2. Payments from maternity capital in 2018 in cash for the birth of a second child monthly in the amount of the subsistence minimum in the region established per child for families with incomes below one and a half times the minimum monthly wage (also Law No. 418-FZ).
  3. Extension until the end of 31 2021 of the duration of the maternity capital program at the birth of 2 children in accordance with the new law of December 28, 2017 No. 432-FZ (before this, the end of the program was scheduled for December 31, 2018, but this date was already postponed in 2015).
  4. The introduction of an additional direction for spending maternity capital funds - on the preschool education of a child from birth, without waiting for the second child to be three years old (also Law No. 432-FZ).
  5. Creation additional places in preschool education organizations - namely, after the completion of the kindergarten program, a state construction program will be launched in 2018 nurseries for children aged 2 months to 3 years.
  6. Development and approval of a program for the development of the material and technical base of children's clinics (repair of old and construction of new medical organizations for children with regional support).

  All these government support measures are mostly aimed at stimulating the birth rate from January 1, 2018, as well as to help needy families with children.

Source: http://pro-materinskiy-kapital.ru/ipoteka/6-procentov-v-2018-godu/

Mortgage at 6% for families with two children and large families

Russian families in which from January 1, 2018 by December 31, 2022, if a second or third child appears, they will be able to receive mortgage on preferential terms - at 6% per annum. In this case, the mortgage loan must be issued for the purchase of housing on the primary market.

In addition, parents who already have an existing mortgage, for the birth of a 2nd or 3rd child during the specified period will be able to refinance the loan balance is at the same 6%.

In both cases, interest rates above 6 percent are borne by the state, which is why the new state program is called “mortgage subsidies in 2018 for families with children.”

A new program of preferential housing loans for families with two children and large families was developed on behalf of President V. Putin. Document regulating the operation of the preferential mortgage program - Government Decree No. 1711 dated December 30, 2017, which approved the rules for the provision of subsidies.

The essence of preferential mortgages for families with two and three children

According to the rules approved by the Resolution, families who purchase housing on the primary market(or have already purchased and are paying off a loan) from the developer under a purchase and sale agreement or under an equity participation agreement. In this case, the main condition is the birth of a second or third child. during the period from January 1, 2018 to December 31, 2022. Thus, families with children born before 2018 are not covered by the new program!

To receive a 6% mortgage subsidy, a loan agreement must be concluded no earlier than January 1, 2018. To receive benefits on a previously taken out housing loan, you need to refinance (that is, enter into a new agreement for the balance of the debt on new terms).

For participants in the state program, the state will subsidize the interest rate in excess of 6 percent per annum. However, mortgage subsidies will not be indefinite - that is, the program’s effect is calculated not for the entire term of the mortgage payment, which can be decades, but only a few years from the date of registration of the subsidy:

• for three years - upon the birth of a second child from 2018;
• for five years - at the birth of the third child.

However, if a family received a subsidy in connection with the birth of a second child, but during the validity of the benefit a third child is born, then the subsidy for the family extended for another 5 years after the expiration of the first subsidy (that is, in total for such families, subsidies will be provided for 8 years), and the date of birth of the third baby is important - no later than December 31, 2022. In addition, if the subsidy provided for the second child has expired, and a third child appears in the family before 2023, then its validity will be renewed for 5 years from the date of his birth.

That is maximum term, for which a subsidy will be provided - 8 years (if a second and third child is born in the family during the program).

After the grace period ends, the loan will need to be repaid at an interest rate that is equal to the refinancing rate at the time the loan was received plus 2%.

For example, at the beginning of 2018 this value is 9.75%.

Mortgage conditions at 6 percent in 2018

According to the rules developed by the government, as well as information posted on the website of the Housing Mortgage Lending Agency (Dom.rf website, product “Family Mortgage with State Support”), in order to have the right to receive a housing loan or refinance an existing one at 6 percent, the following conditions:

• after January 1, 2018 a second or third child was born in the family (the program does not apply to fourth and subsequent children);
• housing must be purchased on the primary market under a contract of sale and purchase from legal entity(developer) or under a share participation agreement;
• housing (mortgage) loan (or loan) issued (or refinanced) by Russian credit institutions (banks) or JSC Housing Mortgage Lending Agency in rubles (AHML) no earlier than January 1, 2018, it provides for an annuity (equal shares) repayment schedule;
• minimum and maximum home loan amounts- 500 thousand rubles - 8 million rubles for Moscow, St. Petersburg, Moscow and Leningrad regions, for other regions of Russia - 500 thousand rubles - 3 million rubles, while at least 20% of the cost of housing must be paid as down payment on the loan;
• Necessarily registration of insurance: personal and property;
• when refinancing previously taken out mortgage at a preferential six percent, it is necessary that at least six months have passed from the date of its registration, and there should be no current late payments, delays of more than 30 days, and no restructuring has been carried out;
• deadline loan - from 3 to 30 years, the age of the borrower - from 21 to 65 years (at the time of loan repayment), a package of documents, as when applying for a regular mortgage loan with the only difference that it is necessary to confirm the birth of the second and/or third child (provide a certificate about birth).

Mortgage rate reduction in 2018 - latest news

The head of the Ministry of Construction, Mikhail Men, said that despite the fact that mortgage subsidies are provided only for a period of three or five years, starting from 2018, there is a high probability that after this time the market interest rate on mortgage lending in Russia will itself approach the same 6%, as is observed in last years. So, in the long term, families with children will benefit from the new program, despite its limited duration, if they also take advantage of the opportunity to refinance the loan in the future.

According to Rosstat and VTsIOM, many families in Russia express a desire to take out a mortgage if the interest rate is no more than 6 percent.

That is, as Dmitry Medvedev noted live on November 30, 2017, such a rate would be feasible for the majority of Russians who want to purchase an apartment or house with a mortgage loan, while current market rates are still not suitable for everyone, especially in the context of falling real income!

It should be noted that the mechanism for subsidizing mortgage interest rates was already worked out in 2015-2016. At the same time, the role of the borrowers themselves is reduced to a minimum: the preferential rate is issued by the banks themselves, which then receive government support in the form of subsidies. The state program of preferential car loans for Russian families, the Family Car program, works in a similar way.

To apply for a mortgage under the state program at 6% or to refinance an existing loan, you will need to contact directly the bank where it was issued or where you plan to apply for a mortgage. VTB Bank announced that it will begin accepting applications for preferential mortgage loans on January 11, 2018.

It should be noted that subsidizing mortgages in 2018 is just one of the planned new measures to support families with children announced by Russian President Vladimir Putin, including:

• new payments for the first child in the amount of the child's subsistence minimum;
• monthly payments from maternity capital in cash for families with modest incomes for their second and subsequent children;
• extension of the Maternity Capital program until December 31, 2021;
• expanding the list of options for the targeted use of maternal capital funds;
• increasing the accessibility of medical care for children and eliminating queues in nurseries and kindergartens;
• expanding the number of regions whose residents will receive a monthly payment for their third child starting from 2018.

Source: http://posobie-expert.ru/news/ipoteka-6-procentov-v-2018-godu/

Mortgage – 6 percent in 2018: families with children, on an existing mortgage, conditions, Putin’s decree | This is the Law

The Russian government, by order of Vladimir Putin, launched new program subsidizing mortgages for families with children – where the second or third child will be born between January 1, 2018 and December 31, 2022. They will have access to a mortgage at 6 percent. The program starts in 2018 and will operate for 5 years. In total, it is planned to spend 600 billion rubles on it.

We’ll tell you in more detail for what purposes you can get a mortgage at 6 percent, whether you can get preferential refinancing for an existing mortgage, and what the conditions are for the subsidy program. Analytics and last news in an article on takovzakon.ru.

Mortgage since 2018 - Putin’s decree and the Decree of the Government of the Russian Federation

No. 1711, which establishes the rules for subsidizing mortgage rates, as well as a mechanism for compensating banks and the Housing Mortgage Lending Agency (AHML) for losses from issuing mortgages at 6 percent per annum.

The document also regulates the conditions for issuing new subsidized loans and refinancing old ones.

Resolution No. 1711 is intended to fulfill the presidential order (Pr-2440, paragraph 2), which was given to the government at the end of December 2017. Purpose of the order:

• due to the low interest rate on the loan;
• increase the birth rate, since housing is one of the key factors when deciding to have a child;
• increase demand in the primary real estate market - a 6 percent mortgage for the birth of a child will apply only to “primary” housing.

The official text of Putin’s instructions on mortgages – download

How will the program work?

The procedure for obtaining a subsidized mortgage will not have any fundamental differences. Potential borrowers who meet the requirements for participation in the program must come to the partner bank that has entered into the appropriate agreement to provide mortgages at 6% in 2018 and subsequent years, and submit the necessary package of documents.

In a similar way, two years ago, when the key rate of the Central Bank of the Russian Federation jumped sharply, there was a program to subsidize mortgages in the primary market, only then it was about 12% per annum. Other differences:

• the 6% rate is not provided for any period, but only for 3 or 5 years (more details in the next chapter);
• The right to receive a loan arises after the birth of the second or third child.

Review of the law “On monthly payments to families with children”

Mortgage for families with children - conditions

A mortgage at 6% will apply to several loan products, but all of them are related to the purchase of housing (possibly a land plot) in the non-primary market.

Allowed:

• purchase of housing under construction (the transaction must be executed under an equity participation agreement in accordance with the requirements of 214-FZ);
• registration of assignment of the right of claim under the DDU;
• purchase finished apartment or at home with a legal entity before the purchase and sale agreement (investment funds and management companies cannot act as sellers).

The subsidy can be obtained for a housing loan, the contract for which was concluded after January 1, 2018. In this case, the 6% rate will apply:

• within 3 years after the birth of the second child;
• within 5 years after the birth of the third child.

If during the program period a third child was born in a family that took advantage of a preferential mortgage for a second child, then the preferential rate is extended for another 5 years from the end of the previous period. That is, a maximum of 6 percent rate can be valid for 8 years.

It is important to know that after the end of the grace period, the interest rate returns to the level of the Central Bank key rate plus 2%.

Requirements for the agreement and the borrower

The government regulated in detail the requirements for borrowers and loan products that will be subject to a 6% mortgage in 2018 - the conditions are as follows:

• the loan agreement (not counting refinancing) must be concluded in rubles no earlier than January 1, 2018;
• loan size – up to 8 million rubles for housing in Moscow, St. Petersburg, Moscow and Leningrad regions and up to 3 million in other regions;
• the borrower pays a down payment of at least 20% (it is allowed to use government subsidies, for example, maternity capital, as well as employer funds);
• the borrower enters into a contract of life insurance and the collateral;
• The agreement involves repaying the loan in equal annuity payments.

Matkapital in 2018 – changes in the program to help families with children

Mortgage 6 percent on existing mortgage – conditions

Refinancing is carried out if the loan was issued before January 1, 2018 for the purchase of residential premises or residential premises with a land plot (finished and under construction) in accordance with the terms of the program.

To refinance a mortgage at 6%, there is also a requirement for the amount of the borrower’s own funds. The amount of loan funds cannot be more than 80% of the cost of housing.

The official text of the Decree of the Government of the Russian Federation of December 30, 2017 No. 1711 on preferential mortgages for families with children - download.

Children's mortgage what is today's nickname? mortgage for young families- This special mortgage program for families with two or three children, in which the government pays the lending institution the difference between the actual mortgage rate and 6%.

Children's mortgage. Who is eligible to participate in the mortgage program for young families

Who can NOT participate in the mortgage program

• Parents who do not have Russian citizenship
• Citizen of the Russian Federation, whose spouse (parent of the child) is not a citizen of the Russian Federation

Categories of borrowers eligible for the child (family) mortgage program

• Citizens of the Russian Federation who are married, at the birth of their second and (or) third child who has Russian citizenship.

The spouse must be included in the number of co-borrowers. The spouse of the title co-borrower is not included in the list of co-borrowers only if there is a marriage contract establishing a regime of separate ownership of the property of the spouses;

• A citizen of the Russian Federation who is not in a registered marriage, at the birth of a second and/or third child who has Russian citizenship.

The loan can be received by one of the parents; there is no requirement to include the second parent among the co-borrowers. A joint loan for such parents can be obtained by choosing the parent of the second and/or third child as the title borrower.

Here, these conditions can probably be interpreted as meaning that you may not be in a registered marriage, but parental rights must be registered.

• A single mother can get a loan if she meets the bank’s requirements, including solvency.

Requirements of the child (family) mortgage program for the borrower

If you fit into one of the above categories, this means that your chances are high, but in order to get a child (family) mortgage at 6% you also need to meet the following requirements:

• the age of the borrower is from 21 to 65 years (at the time of the last loan payment);
• The borrower's length of service at his last place of work was at least 6 months;
• for individual entrepreneurs - break-even entrepreneurial activity at least 24 previous months;
• the birth of a second or third child between January 1, 2018 and December 31, 2022.

Yes, unfortunately, if you had a second child in the last days of 2017, then you are not eligible for this program. But those who took out a mortgage in 2017 and had a second or third child in 2018 have the right restructure the mortgage under the terms of the child (family) mortgage program.

Conditions of a child (family) mortgage

And now the most interesting thing that we left for you for dessert!

Contrary to the common misconception of many, the 6% rate will not accompany your mortgage for the entire term, but only for a small part of it. Further details!

On terms of the child (family) mortgage program at a rate of 6%, the state undertakes to pay the bank the difference in rate between 6% and the bank's actual rate for periods

• 3 years, at the birth of the second child;
• 5 years, at the birth of the third child or twins (second and third).
• 8 years in total if, within five years from 2018 to 2022, you have both a second and third child.

At the end of this period, the rate will be recalculated depending on the actual bank rate at the end of the period or in accordance with the terms of the loan agreement. Read it carefully!

Other conditions of the mortgage program

• The loan term under the mortgage program is from 3 to 30 years.
• Down payment - from 20% of the cost of housing, Maternity (family) capital funds can also be used as a down payment.
• The package of documents required to submit to the bank is standard, plus the original birth certificates of all children.

At the same time, if the children’s birth certificate does not contain information about their citizenship of the Russian Federation, the simultaneous provision of another document confirming that all children have citizenship of the Russian Federation is required.

• Mandatory life and health insurance of the borrower, as well as the purchased housing. There is one little trick here! We will tell you about it in our next publication.
• In the application form, you must indicate “State support” or “GPS”. This note must be placed in the upper right corner of the first page of the questionnaire.
• The lower limit on the loan amount is 500,000 rubles, the upper limit is 3,000,000 rubles. For Moscow and the Moscow region, St. Petersburg and the Leningrad region - 8,000,000 rubles at the location of the object, and not at the place where the loan was issued.
• Other bank shares to reduce the mortgage rate cannot be combined with the program.
• Payment of the down payment by third parties is not allowed.
• Maternity capital can be used as a down payment, and it can also be used to pay off a loan.

And here is another point to the loophole that we mentioned above

• A loan under the state program can be obtained if you have children from different parents.
• When receiving a preferential loan, you pledge the purchased apartment or your rights as a participant in shared construction to the bank as collateral.

What types of housing is the child (family) mortgage program designed for?

Children's mortgage at 6% calculated for the purchase of housing in new buildings- apartments, houses, town houses from legal entity or to participate in shared housing construction. That is, if you decide, you will not be able to get a 6% rate.

In this case, the developer needs to clarify the following points:

• construction must be carried out in accordance with the law on shared construction 214-FZ;
• construction can be at any stage - from foundation pit to finishing;
• the construction project must be accredited by the Housing Mortgage Lending Agency.

Banks Today Live

Articles marked with this symbol always relevant. We are monitoring this

And answers to comments to this article are given by qualified lawyer and the author himself articles.

Today, the housing issue remains the most pressing problem. In addition, having your own living space is key point when families decide on the birth of two or more children.

The government is constantly working to increase the birth rate in our country. One of the results of this course is the adoption of a decree of the President of the Russian Federation, according to which families with children will be able to obtain a mortgage at 6% per annum.

In this article we will take a closer look at the conditions under which such a program operates? What are the requirements for the borrower, and most importantly - how and where to get a mortgage at new interest rates?

As is known in November 2017, Russian President V.V. sent for consideration to the Government decrees that are designed to provide support to families with children. It was not only about extending maternity capital and payments monthly allowance, but also about the start of a mortgage subsidy program.

For an affordable mortgage to become a reality, the following circumstances must occur:

• Reducing the inflation rate to 3%;
• Reduction of the key interest rate of the Central Bank of the Russian Federation to 10.5%;
• Economic stabilization;
• Mortgages are becoming the most important banking product. It provides regular income to banks, and at the same time has a low level of risk.

These prerequisites served as the beginning of the fact that now Russian families will be able not only to take out a mortgage, but also to count on support from the state.

According to the adopted resolution, the mortgage subsidy program will last from 01/01/2018 to 12/31/2022. The state has allocated the amount of 600 billion to fulfill the assigned tasks. rubles

The state program was created with the aim of:

1. Fertility stimulation. The legislator at the state level creates favorable conditions so that newlyweds can provide themselves with housing and not be afraid to create large families. In addition, if a third and subsequent child appears, the family can count on support from the state for another 5 years;
2. Stimulating the growth of the real estate market. According to the program, the state provides the opportunity to obtain a preferential mortgage only on the primary market, and only from a legal entity. In other words, the borrower will not be able to obtain an apartment, for example, with friends or relatives, in some “Khrushchev” building. This means that new houses will be built, with modern finishing, with new communications, playgrounds in the courtyards, and answer modern systems security.

According to the regulatory act, the main operator in the implementation of the program will be the Housing Mortgage Lending Agency JSC. This agency, along with banks, will sell mortgage loans at a rate of 6% per annum. The Ministry of Finance must compensate credit institutions for the difference between the current key rate (currently 10.5%) and the preferential rate.

The RF Decree also contains detailed description process to compensate banks for missing income. This procedure mainly concerns the financial institutions themselves, and will not affect ordinary citizens in any way. However, the legislator does not exclude the possibility that AHML may refuse to provide subsidies to the bank. Therefore, you need to be careful when choosing a credit institution.

Read also:

What to do if you lost your passport?

As you know, mortgage subsidies are temporary and depend on the number of children in the family. However, the maximum term of a preferential mortgage has been determined - 5 years. This begs the question: “What happens next”?

At the end of the subsidy period, the borrower will be set a new mortgage interest rate. Moreover, the key rate of the Central Bank of the Russian Federation, which was in effect at the time of signing the mortgage agreement, is taken into account. According to experts, this figure will not be noticeable for ordinary payers. However, the program is at initial stage, and it’s too early to make any predictions.

Conditions of the mortgage subsidy program

The main condition for the implementation of the mortgage subsidy program is the birth of a second or third child in the family during the period of the Decree. In other words, the second and subsequent children must appear after January 1, 2018, and no later than December 31, 2022.

The Government Decree stipulates that if during the period of validity of the preferential mortgage, which is 3 years, another child appears in the family, then the duration of the program is extended for another 5 years.

The state can also provide support to those families who obtained a mortgage loan before January 2018. But only if borrowers meet the following conditions:

• A second and third child is born in the family;
• An apartment in a new building was taken out with a mortgage.

If the family falls under such criteria, then it can safely contact a banking institution and complete the loan refinancing procedure at 6%.

Another mandatory condition for providing mortgage subsidies is the presence of Russian citizenship.

Who can use the program

As mentioned earlier, families in which the second, third and subsequent children were born after 01/01/2018 can take advantage of the mortgage loan subsidization program. The same requirements apply to families who have adopted children.

At the same time, the adoption of the Decree provoked a wave of indignation among Russians. There are lively discussions going on in various forums. While some families are rejoicing that they will soon be able to cross the threshold own home, others express indignation. It is possible to understand such people. Most likely, they are simply offended. After all, those who managed to give birth to a second child last year are unlikely to fall under the terms of the program.

As the legislator says, the mortgage subsidy program begins only on January 1, 2018. It is aimed at increasing the birth rate, and it is impossible to shift the deadlines or revise some points.

What are the loan requirements?

As practice shows, in order to become a participant in the state program for subsidizing mortgages, it is not enough to meet the conditions of this program.

Read also:

How dividends are paid on shares of Russian companies

Everyone knows that mortgage loans are issued by credit institutions that have their own idea of ​​the intended borrower. And this is not surprising, because banks must know to whom they are providing money, and whether this person will be able to repay the debt in full.

However, there are certain parameters that are required for the payment of subsidies. These include:

1. A mortgage loan is issued only in rubles;
2. There is a maximum loan size threshold. For regions it is no more than 3 million rubles, and for residents of Moscow, the Moscow region, St. Petersburg, and the Leningrad region - 8 million rubles;
3. There must be a down payment. Its size is determined by the banking institution independently. On average, this figure is equal to 20% of the cost of the purchased home;
4. The interest rate on the loan should not exceed 6% for the period of preferential lending;
5. After completion of construction and delivery of housing to buyers, the borrower must insure his home, as well as his life. Refusal to obtain insurance may serve as a reason for refusal to provide a preferential mortgage;
6. After signing the documents, the borrower makes payments to the bank monthly in equal installments.

As can be seen from the list, the requirements for a preferential mortgage are not much different from a regular mortgage loan. However, due to the fact that the amount of payment for the client is significantly reduced, the percentage of approved applications increases.

How and where to get a mortgage loan at 6%

In order to take advantage of the mortgage subsidy program, the borrower must do the following:

• Contact the bank;
• Apply for a conventional mortgage;
• Introduce Required documents, proving the right to provide subsidies;
• After reviewing the documents, the bank makes a decision and reduces the interest rate;
• Next, the state transfers the lost income to the bank.

As you can see, the client does not need to take any additional actions and prove his right to preferential conditions. The banking institution independently notifies the supervisory authority. Subsidies are also issued without the participation of the borrower, on the basis of the documents submitted by him.

It is worth noting that the procedure for borrowers may be conditional. It is likely that over time many points may be supplemented and revised.

At the program launch stage it is too early to talk about full list banking institutions that will take part in the state program. However, we can say with complete confidence that the main leaders of the banking sector will definitely issue preferential mortgage loans.

Please note that 6% is a preferential rate that the bank is ready to provide to the borrower if he falls under the terms of the “Subsidizing Mortgage Loan” program. The borrower first selects a bank and issues a mortgage product according to general principles. Then he provides the bank with documents confirming his participation in the state mortgage subsidy program. Next, the bank considers his application and provides a preferential discount for the period established by law.

Read also:

Character Traits of a Successful Trader

For example, Sberbank issues a mortgage at 8% per annum. The participant in the state program signs a standard agreement with the institution, which states that he took out a mortgage loan at 8% for a period of 15 years. After some time, a second or third child is born in the family. With the onset of such circumstances, the bank client has the opportunity to apply for a preferential discount from 8% to 6% for a period of 3 years or five years. After the grace period expires, the client will repay the balance of the loan again at the 8% rate.

For comparison, the table shows mortgage products of major banks for apartments in new buildings. These conditions are general, and discounts and bonuses may be provided in accordance with individually.

In 2019, new legislative changes take effect. According to which loans for the purchase of housing will be provided at a reduced rate - 6%. But this benefit is available only to certain segments of the population. The 6 percent mortgage is a new state program aimed at improving the living conditions of young families.

Still at the stage of preparation for the new election campaign current president At the end of 2017, the Russian Federation announced the possibility of introducing some measures that would help young families buy housing. These changes are aimed at increasing the birth rate and improving demographic situation in the state. Despite past attempts by the government to properly build demographic policy, in recent years there has been a strong decline in population growth. If from 2013 to 2015 there was a slight increase, then from 2016 the figures began to fall. And in 2017, the country experienced a demographic collapse. There were 203 thousand fewer children born than in 2016. According to Rosstat, the birth rate decreased by 10.7%. And this problem affected all regions, with the exception of the Chechen Republic.

In addition to the above reasons, there are a number of prerequisites that indicate the need to introduce new conditions for obtaining a loan at 6%:

1. In 2107 enough was achieved low level inflation - 2.52%. This allows the Central Bank to reduce key rates, which will reduce the cost of money for banking organizations. As a result, the mortgage rate in 2017 reached its minimum level and amounted to 10.5%, which is a record figure.
2. The economy has stabilized after the shocks associated with the 2014 crisis. The price of oil remains within sixty rubles. This allows the state to predict and most comfortably build its economic policy.
3. Mortgage lending is the most reliable profit-generating product for banks. Financial organizations are trying to fill this niche as much as possible and offer consumers new terms of cooperation. Since the risks are minimal, and the level of delinquency ranges from 1 to 3%.
4. Slowdown in the pace and volume of residential building construction. In 2017, mortgage loans with government support expired. And the rates for secondary and primary construction are almost equal. Thus, the mortgage share for primary housing accounted for up to 80% of transactions, and today up to 70% of loans are for secondary housing. And the consumer began to give preference to ready-made options rather than waiting for construction to be completed.

Therefore, Vladimir Putin ordered the creation of a new program that will help citizens of the Russian Federation, including low-income people, solve their housing problems. Moreover, maternity capital has not been able to cope with the task for a long time. Especially considering that since 2015 the amount is no longer indexed and there are no plans to increase it in the future. The result was the signing by the President in 2019 of a decree on mortgage lending at 6% at the birth of 2 children and subsequent children.

Government Decree

All conditions under which the program is implemented are described in Decree No. 1711 dated December 30, 2017. It was published on January 10, 2018.

The bottom line is that the state will compensate banks for funds that organizations did not receive due to low interest rates. The state program was implemented in approximately the same way in 2015-2017. According to the law, only a certain circle of banks are entitled to subsidies. In order to participate in the program, banking organizations had to submit a certain package of documents and an application to the Ministry of Finance of the Russian Federation no later than 30 days from the date of publication of the government decree. The Housing Mortgage Lending Agency and state banks receive compensation every month.

The amount of lost income will be calculated from the difference between the market rate and (at this moment about 10%) and 6%. After the program period ends and subsidies are stopped, the interest on the mortgage will be the market rate at the time of the transaction plus 2%. But by decision financial organization, in which the loan is taken, the size may be smaller.

Conditions for receiving

The program is designed for five years. And is valid from January 1, 2018 until December 31, 2022. 600 billion rubles have been allocated from the budget for the implementation of the program and subsidizing financial organizations.

As part of the registration of a simple mortgage loan, one specific rate will be prescribed. It is also important to understand the difference between a subsidized loan and a government-supported loan:

1. Subsidized mortgages are issued at 6 percent. Validity period of the benefit:
   • 3 years, where the second child was born from 01/01/2018 to 12/31/2022;
   • 5 years, at the birth of the third child from January 1, 2018 to December 31, 2022;
2. Mortgages with state support are issued at a lower percentage (about 11%) and this figure does not change during the entire payment period.

There are a few important conditions, which you should pay attention to when concluding a financial agreement:

1. Taking out a family mortgage at 6% is only possible for new housing. The new state program does not apply to secondary housing. You can also refinance a loan that was also issued for the purchase of an apartment or house.
2. You can only make a purchase from a legal entity. Execute a transfer transaction with an individual. persons at six percent are not allowed.
3. Families in which a fourth and subsequent children will be born during the program period cannot take out a loan at a reduced rate. But in June 2018 there was a direct line with the president, where this point was discussed. The head of state promised to allocate another 9 billion rubles and solve the problem.

Who will get it first?

Mortgages at 6 percent are available only to citizens of the Russian Federation. According to the presidential decree, there are two main categories of families that will be able to take advantage of the new government offer:

1. Married couples where the second child was born no earlier than January 1, 2018 and no later than December 31, 2022.
2. Families where the third and subsequent child was born no earlier than January 1, 2018 and no later than December 31, 2022. The situation with married couples who have a fourth or more children during the specified period is described above.
3. If a couple has twins born during the specified period, they can immediately take advantage of the benefit.

The Ministry of Finance predicts that about half a million families will fall under the new program.

Another important point: if the third child was born in a family where the parents had already taken out a loan at 6% at the birth of the second child, then the term of their preferential lending is extended for another 5 years. Thus, the maximum period will be eight years for those families where two children will be born in five years from January 1, 2018 to December 31, 2022.

Requirements

In order for a credit institution to receive all required subsidies, certain conditions must be met:

1. Loan processing only after January 1, 2018.
2. Currency is only Russian rubles.
3. For all regions of the country, the loan amount should not exceed three million rubles. For Moscow and the region - eight million rubles, for St. Petersburg and the region - eight million rubles. Thus, purchasing luxury housing is impossible.
4. A down payment is required. It should be a fifth of the total amount - 20%. Thus, if a married couple takes out a mortgage new apartment or a house worth five million rubles, then the down payment is one million rubles.
5. The rate is 6% for the period of preferential subsidization (from three to eight years, depending on the number of children and the period of their birth). After the end of this period, the interest should not exceed by more than 2% the market rate of the Central Bank at the time of receiving the mortgage loan.
6. The borrower's life is insured after the loan is issued. Insurance against illnesses and accidents. Insurance is also issued for the facility after it is built and commissioned. The property policy includes insurance against damage and loss of real estate.
7. Payments can only be annuity. This form of repayment has its pros and cons. Annuity payments are made in equal installments over the entire period of time. But first they are repaid most of interest and only from the middle the principal debt is paid. Among the advantages: a clear amount that should be repaid. Moreover, in 8–10 years the value of this amount will significantly decrease due to inflation. But it is more difficult to repay such a loan in advance, since after 5–7 years the amount of the principal debt will decrease by only 15 percent.
8. Real estate is only primary. In a new building under construction, you can rent an apartment under a shared participation agreement or purchase it directly from the developer. This condition is necessary for the construction industry to emerge from the stage of stagnation. You can buy not only new housing that has already been built, but also a property under construction. In addition to a finished apartment, it is allowed to purchase residential buildings, townhouses, part of an isolated residential premises or a residential property with the land plot on which it is located. During the construction stage, you can only buy apartments or townhouses.
9. Within five years from January 1, 2018 to December 31, 2022, a 2nd and (or) third baby is born in the family.
10. The age of the recipient of the loan product is from 21 to 65 years. In some cases, the age limit may be lowered to 18 years or raised to 75 years.
11. At the last job, the borrower must be officially registered and work for at least six months.
12. If the borrower is an individual entrepreneur, then he must successfully operate for at least two years. That is, the business must break even.
13. Maternity capital can be used as an initial amount for concluding a loan agreement. In 2019, maternity capital is still 453,000 rubles.
14. A mortgage is required for new housing. It is valid for the entire loan period.
15. The terms for which the loan is issued are from 3 to 30 years.

If the second and subsequent children were born before January 1, 2018 (for example, December 31, 2017), then the state program does not apply to married couples.

The borrower has the right to attract up to four co-borrowers. For example, the children's mother and father, and two close relatives or friends.

Which banks are participating?

The article above describes that only a creditor who has submitted an application and a special package of documents to receive government subsidies can become a participant in the program.

On February 19, the Ministry of Finance issued an order on the distribution of subsidy funds among creditors. The list of banks included 47 organizations, one of which
Housing Mortgage Lending Agency. 0.6 trillion rubles were distributed unequally among credit companies.

The largest share was received by:

1. Sberbank. This bank became the largest participant in government support. Sberbank has been allocated 171 billion 205 million rubles for implementation. The minimum loan amount is 300 thousand, the maximum is 8 million. After the end of the grace period, the minimum rate will be 9.25 percent. You can apply for it online. Review time is from two days. It is necessary to provide certificates 2-NDFL and 3-NDFL. It is possible to provide data on earnings using the bank form. Refinancing a previously issued loan is possible in the event of the birth of a second or third child during the previously specified period, and the amount of the remaining debt is more than 500,000 rubles, and the apartment must be purchased in a new house. The bank will recalculate at the new rate for a period of three or five years. And the previous debt will be repaid to the creditor. After drawing up a new contract, the apartment owner is obliged to remortgage the property in favor of the Savings Bank.
2. VTB. The general conditions for obtaining a loan are 9.3%, of which 3.3 percent is paid by the state. The minimum amount is 600 thousand rubles. The term for which you can take out a loan is up to thirty years. The minimum age limit is 21 years, the maximum is 75 years. It is necessary to confirm the availability of income with a 2-NDFL certificate or according to a bank form. Review of the application - from one day. It is possible to restructure an existing loan product.
3. Absolut Bank. The lender issues loans only from the age of 21, for a period of up to 30 years. Important point- the person submitting the application must have income in the region where the bank is present. You can fill out a mortgage application and bring all the necessary documents in advance. The bank's decision to issue a loan lasts 4 months.

The Housing Mortgage Lending Agency has developed its own program, within which you can not only purchase a new home. But also to refinance under the old loan.

Full list of banking organizations issuing loans under the new mortgage program:

How can I register

In order to receive a loan with government support, you must:

1. Select the bank where you plan to receive a loan. It must be included in the list of 47 organizations that receive government subsidies.
2. Contact the bank with an application. The easiest way to do this is through the official Internet portal of a financial institution. Almost all companies have online calculators with which you can find out the approximate number of payments and repayment terms. You can also submit your first application via the Internet for a family mortgage at 6 percent.
3. After the application is reviewed and approved, the borrower will be invited to the bank branch with a package of documents necessary to obtain a mortgage. Standard set of requirements:
   • loan application;
   • passports of the borrower and co-borrowers. The title co-borrower is the spouse;
   • birth certificates of children (one of whom was born after January 1, 2018);
   • certificate 2-NDFL or according to the bank form. Having a stable income for the previous six months. The person must be officially registered at the last place of work;
   • marriage contract, if any;
   • if registration in the region is temporary, then a document confirming this fact is required;
   • If the loan product is secured at the expense of another real estate property, then collateral documents are required.
4. After the bank approves the loan application, the borrower can, within a certain time (2-4 months depending on the bank), choose a property to purchase, if he has not done so earlier or the property is not suitable.
5. Provide the lender with information confirming the availability of a down payment, which must be at least 20% of the total amount. It is worth paying attention that if the down payment is maternity capital, then the cost of the object should not exceed 2 million 265 thousand rubles.
6. The processing time is on average 2–5 business days. But different banks may have different time frames.
7. The contract must specify the interest rate that will be in effect after the end of the grace period of the loan (3, 5 or 8 years, depending on the number of children and the period of their birth).
8. As part of the registration process, insurance is provided for the residential property and the person making the purchase. Without this clause, the transaction is impossible.
9. After the transaction is concluded, the borrower is obliged to take out a mortgage on the home in favor of the bank.

Family mortgage in AHML

The Housing Mortgage Lending Agency offers a mortgage loan under the Family Mortgage program:

1. The rate according to the state program is 6%, preferential lending period is 3, 5, 8 years, down payment is 20%.
2. Possibility of refinancing if the apartment was purchased in a new building.
3. If you do not have a certificate confirming your income, you can apply for a mortgage using two documents.
4. The object must be accredited by AHML.

Program for families with children at Sberbank

Sberbank offers the following conditions:

1. Age from 21 to 75 years.
2. Possibility of obtaining a tax deduction of up to 260 thousand rubles.
3. After the grace period expires, the rate will be 9.25%. After the first key percentage change, this setting will be changed.
4. Possibility of using a secure payment service.
5. The transaction can be registered in electronic format.
6. The package of documents is standard.
7. Rate according to new regulations.

Government programs

According to the orders of the President and government regulations, the sector of state assistance for the purchase of housing is actively developing. This is one of the main directions of development of the country's demographic policy. In addition to mortgages at 6%, citizens Russian Federation can also take advantage of other government programs that are aimed at improving living conditions.

Use of maternity capital

One of the most well-known ways to support young families in the Russian Federation is the Maternity Capital program. This form of support allows families with two or more children to receive a certificate in the amount of 453,026 rubles.

This state program has been in effect since 2007. According to it, a family has the right to receive a certificate if the second and subsequent children appeared in the family after January 1, 2007. One man or woman who is a parent or guardian is eligible to receive. And also a child upon reaching 23 years of age.

You can spend money from the certificate only on:

1. Purchasing housing or improving living conditions.
2. Parent's pension.
3. Education.
4. Social adaptation of a disabled child.

Capital cannot be cashed out. It exists only in the form of a certificate and not in real monetary form.

The program runs until 2022 inclusive.

As part of the program for obtaining a mortgage at 6 percent, matkapital can be used as a down payment.

Help for military personnel

Military mortgage is one of the ways to solve the housing problems of military personnel. The bottom line is that the loan for an apartment or house is paid by the Ministry of Defense while the citizen is on government military service. Nuances:

1. Age - from 22 years.
2. You cannot buy an apartment in dilapidated house. The requirements for the facility are quite high.
3. The Ministry of Defense pays only 3 million. If an employee wants to buy more expensive housing, then he pays the rest himself.
4. A tax deduction can also be obtained only from the money that a person pays for a loan from his own funds.
5. The Department of Defense pays the mortgage only while the service member's contract is in effect.
6. You can buy an apartment in any region. Regardless of where the citizen serves geographically.

Social mortgage

The social program is being successfully implemented at the regional level. It is intended for low-income citizens and vulnerable segments of the population. The essence of the program is to support the region in paying off a mortgage loan. This subsidy can be expressed in the form of a reduced rate, assistance with making a down payment, a reduction in the monthly payment amount, etc.

Thus, families with two or more children, where the second child was born from the beginning of 2018 to the end of 2022, will be able to get a mortgage loan at 6 percent. You can take out a loan only from a certain bank, which is subsidized by the Ministry of Finance. The grace period lasts 3, 5 or eight years. Afterwards, the loan interest rate will increase (2% + the key rate of the Central Bank at the time of concluding a loan agreement for the purchase of housing). You can only take out a mortgage on a new property or at the construction stage. After the purchase, a mortgage on the apartment or house must be issued. Life insurance for the future owner and real estate insurance are required.