Military mortgage program at Sberbank. Military mortgage in Sberbank

Military mortgage, which is included in the list of Sberbank mortgage products, is of a specialized nature and is offered only to a certain category of citizens. This special program aimed at providing housing for military families and providing them with a mortgage loan for preferential terms With state support. What conditions does Sberbank put forward for military mortgage, And maximum amount in 2019, available for this product?

Employees armed forces Russian Federation, having three years of experience, receive a special current account, into which government contributions are received once a year. All funds accumulated in the account can only be used to purchase housing.

The full amount of accumulated contributions becomes available to a service member only after his military service reaches the twenty-year mark.

However, funds can be used as a down payment on a mortgage three years after the start of participation in the state program. Even after some of the funds are savings account was used to purchase housing, it continues to receive government contributions, which act as funds to pay off the mortgage.

In 2019, military mortgages are offered from Sberbank on the terms presented below.

1. Interest rate for the mortgage product is 10.9% per annum.
2. The maximum loan amount is 80% of the value of the property, but not more than 2,220 thousand rubles.
3. The down payment is accordingly 20% of the price of the purchased property.
4. The loan term is up to 20 years, with the condition that the loan repayment date does not exceed the period for which the targeted housing loan was provided.
5. The mortgage is provided in rubles, real estate serves as collateral for the loan.

Requirements for the borrower relate to age; he must not be younger than 21 years old, and must also be a member of the NIS.

Advantages of a military mortgage

Since this product was developed jointly with the state and is provided with government support, it has many advantages over other similar offers from a financial organization.

• The interest rate on a military mortgage is significantly lower than standard offers for other categories of citizens, with the exception of mortgages for a “Young Family”.
• There is an opportunity to purchase real estate not only in a new building, but also in secondary market.
• In this case, the format of residential real estate does not matter: apartment, Town House or a private house on a plot of land.
• This kind mortgage lending does not require confirmation of the borrower’s income and solvency.
• Fees for provision housing loan absent. It is also not mandatory to insure the life and health of the client.

The mortgage does not require a guarantee or participation of co-borrowers. A full refund of tax deductions is provided, calculated based on the amount of interest paid on the loan.

Calculate a military mortgage at Sberbank: calculator

Allows you to calculate the Sberbank product “Military Mortgage” calculator implemented on the website credit organization. But it's worth remembering that credit calculator is for informational purposes only and the results obtained may differ from real situation of things.

In this case, for a more accurate calculation it is necessary to indicate more full list data:

1. amount of accumulated government contributions;
2. the estimated value of the property to be purchased;
3. the percentage of the initial payment, as well as its amount in rubles;
4. making personal funds for the down payment, if necessary;
5. the size of the loan that is required;
6. interest rate and loan term in months.

After all the data has been entered as objectively as possible, the system will provide the calculation result, which will provide information about payments. And full price loan and mortgage overpayment.

It is worth noting that reviews of military mortgages from Sberbank located on the forum of participants in the state program have an extremely positive attitude.

It is worth noting that Sberbank is the main participant in the mortgage lending market. Its offers are significantly more profitable than similar offers from other banks. At the same time, this financial organization was one of the first to enter into state program to provide residential real estate to members of the Russian Armed Forces. Thanks to this, he is not only ready to offer military personnel Better conditions, but also allows you to more quickly consider the application and make a decision on it. This is due to the fact that the lender has sufficient experience in issuing and processing such loans.

The main condition in choosing housing for purchase is the fact that the property is located in the territory where the bank operates.

With Sberbank, such a problem practically does not exist, since its representative offices are located in all corners of the country. If three years have passed since you joined the NIS program, feel free to contact Sberbank of Russia and apply Housing loan quickly and on the best terms.

Military mortgage is one of the credit programs Sberbank, which is offered to a certain category of the population. As part of the presented program, military families can obtain a mortgage loan to purchase an apartment or house on preferential terms. This type of mortgage lending has state provision. When planning to contact Sberbank to obtain a military mortgage, you can first familiarize yourself with the basic conditions for issuing a loan: maximum amount, repayment terms, etc.

Conditions for providing military mortgages for military personnel under contract in Sberbank in 2019

A serviceman receives the right to complete withdrawal of state contributions only after his total service in the military structure is twenty years.

Despite this, you can use funds from a special current account to pay a down payment after three years military service. If a serviceman has used all the capital to obtain a mortgage loan, his account will still continue to receive deductions from the state budget, which can be used to repay the loan. The main conditions under which Sberbank clients can take out a military mortgage in this year, are described below in the article.

• the annual mortgage loan rate is 9.5%;
• The largest amount that can be borrowed is 85% of the property price. However, its size should not exceed 2.398 million rubles;
• to become a member of this mortgage program, must pay mandatory contribution in the amount of 15% of the housing price;
• the longest mortgage repayment period is 20 years (provided that this figure does not exceed the period of provision targeted loan);
• the bank issues a loan to national currency. The purchased property acts as collateral.

Advantages of a military mortgage

1. The interest rate level is much lower than others mortgage offers. The exception is the Young Family mortgage.
2. As part of a military mortgage from Sberbank, you can buy real estate not only in primary market real estate, but also on secondary.
3. Any type of real estate is available: apartment, cottage, town house.
4. A military mortgage does not require confirmation of income level or documents on solvency.
5. There is no commission for processing a loan, and compulsory insurance health and life of the borrower.

Calculate a military mortgage in Sberbank - calculator, preliminary calculation, online consultation

A more accurate value can be obtained using an online consultation, or received in person at.

• the amount of government contributions from the current account;
• the estimated value of the property;
• the amount of the down payment (in percentage and in national currency);
• transfer personal finance towards the down payment (if necessary);
• the loan amount required to purchase a home;
• loan rate and mortgage program term (in months).

As you know, military personnel in Russia become the category of citizens to whom a mortgage loan is allocated on preferential terms. However, issue social mortgage This is not possible at every bank; only accredited financial institutions have the right to provide such a service to their clients. Sberbank is financial institution accredited to participate in the Military Mortgage program, acting as a partner of AHML, and the calculator on the website will help calculate the cost of a loan from this bank.

How to use the mortgage program for military personnel at Sberbank? On this moment Sberbank, being the largest in Russia, takes an active part in lending to military personnel, offering the most favorable conditions, and allowing the purchase of real estate on the secondary market, and also does not interfere with the purchase of a house with an adjacent land plot. The main disadvantage of military mortgages from Sberbank is the fact that lending conditions do not allow purchasing housing on the primary market.

Today, a mortgage for military personnel from Sberbank is an excellent way to acquire your own home at a low interest rate. A large number of Russian military personnel have already exercised their right by becoming participants in the Military Mortgage program and have significantly improved their living conditions. Despite some shortcomings, Sberbank still offers NIS participants quite favorable lending conditions that make mortgages more affordable.

Features of a military mortgage at Sberbank

All military personnel with more than 3 years of service in the Russian Armed Forces have a personal savings account, where the state annually transfers special contributions intended for the purchase of housing. It is these savings that serve as a down payment when purchasing real estate with a military mortgage. However, the full amount of savings will become available to the NIS participant only after he reaches 20 years of service.

Moreover, even when registering mortgage loan and making a down payment, money is transferred to the serviceman’s account, which is also used to pay off the mortgage debt. A regular calculator will show that in 20 years an impressive amount will accumulate in this account. However, according to the terms of Sberbank, a NIS participant can buy an apartment only in those regions where the bank has representative offices.

Every Russian military personnel who is a participant in the Savings-Mortgage System (NIS) has the right to special conditions obtaining a mortgage loan from Sberbank:

• Interest rate: 12.5% ​​in rubles
• Obtaining a loan without proof of solvency
• Maximum loan amount: up to 2,100,000 rubles
• The loan amount should not exceed 80% of the value of the loaned object
• Maximum mortgage term: up to 15 years (must not occur before the borrower turns 45)
• Minimum loan term: 36 months
• Opportunity to purchase housing on the secondary market
• No loan fees
• Early repayment terms: no restrictions
• The loan is provided at Sberbank branches at the place of registration of the borrower or at the location of the property.

Of course, the limitation on maximum term and the loan amount, as well as the impossibility of purchasing real estate on the primary market and in any region - these are serious disadvantages of a military mortgage at Sberbank. In addition, it is impossible to get a loan from this bank to improve your own living conditions, since this financial institution does not provide a secondary lending program.

But under the Military Mortgage program there is a tax deduction, the amount of which is 13% of all interest paid. To receive these deductions, the borrower must contact tax office and provide a bank statement indicating the amount of interest paid. Maximum amount per tax deductions set at 2,000,000 rubles. You don't need a calculator to figure out that you won't be able to get 13% on a military mortgage, since that's practically the entire size of the home loan.
Sberbank and military mortgage: conditions and features of lending

How can a military man get a mortgage from Sberbank?

A military mortgage involves obtaining a certificate of the right to receive a targeted housing loan for military personnel. Next, he must contact the Sberbank branch with a package of the following documents:

• Borrower's military passport
• Sberbank application form
• Certificate of the NIS participant’s right to receive a targeted housing loan

At the discretion of the bank, the list necessary documents may be increased. Take advantage mortgage calculator, and you can also find out the exact list of the required documentation package in advance from credit consultant Sberbank.

After receiving a positive decision on the loan, the borrower will have 2 months to collect all certificates and documents for housing: expert assessment of the value of the property, certificate state registration property rights, purchase and sale agreement, certificates of absence of encumbrances, extract from the house register, etc.

If all the documents are in order, then after 5-10 working days, the borrower signs all the papers on the mortgage transaction with the bank, insures the property, receives a targeted housing loan and becomes the full owner of the home. The military mortgage is repaid using NIS funds - monthly payment on the loan will be 1/12 of the annual savings contribution transferred to the borrower’s account.
However, before submitting documents to the bank, it is better to find out the approximate cost of a military mortgage at Sberbank using the calculator on the bank’s official website. If you don’t trust the site, you can calculate the loan amount yourself using your own calculator.

As for the requirements for borrowers, there is one main requirement for military personnel: he must be at least 21 years old, and at the time of expiration loan agreement he must not be more than 45 years old. In addition, the participation of co-borrowers this program also does not assume. And the spouse can act as a formal guarantor, while her solvency is not taken into account by the mortgage calculator.

Today, being a serviceman in the Russian army is not only prestigious, but also profitable!

The current military mortgage of Sberbank allows you to provide comfortable housing to Russian military personnel on preferential terms with financial support from the state. Read more about the features of the program and the procedure for obtaining a loan.

Preferential lending from Sberbank for military personnel serving in Russia, depending on the purpose and type of housing, is today available in the form of two programs: “Military mortgage for the purchase of housing under construction” (only for an apartment in a new building) and “Military mortgage for the purchase of finished housing” (for the purchase of an apartment, townhouse, house with a plot or room).

An applicant for a targeted military mortgage can be a Russian military personnel who has been a member of the NIS () for at least 3 years, which is confirmed by the relevant certificate and open individual account to transfer payments from the state budget.

Immediately after joining the NIS, an annual contribution will be transferred to a special account, the amount of which is approved at the level of the highest authorities and does not depend on the region of residence of the participant, his length of service and rank. The amount accumulated over three or more years can be used to pay the down payment on a mortgage.

Conditions

The conditions for both mortgage programs for military personnel at Sberbank are almost identical:

• size credit funds– no more than 85% of the price of the purchased object (minimum 300 thousand rubles);
• the period for concluding a loan agreement is up to 20 years, but not more than until the military person turns 45;
• first payment – ​​from 15% of the cost of housing.

Property being purchased in mandatory is pledged to Sberbank and is subject to property insurance from the risks of loss and destruction of property.

IMPORTANT! In addition to the accumulated funds in the NIS account, a serviceman, at his discretion, can invest own funds, which will allow you to buy housing at a higher cost.

The program works extremely simply - Sberbank allocates the required amount for a period of up to 20 years, and repayment is made using funds from the savings account.

Maximum amount for a military mortgage at Sberbank in 2019

The difference between mortgage products for the military for finished and real estate under construction is only limit value borrowed money. For the product for primary housing, the maximum loan amount cannot exceed product for finished real estate – 2.502 million rubles.

It is important to understand that we're talking about specifically about the funds allocated by Sberbank, and not about the price of the purchased housing.

Interest rate

The level of interest rates on loans for military personnel is regulated at the state level. A range is approved, beyond which banks are not allowed to go. Its upper limit cannot exceed 12% per annum.

Sberbank has a single fixed rate of 9.5% per year. There are no discounts or allowances for it.

Calculator

Amount of credit

Payment type

Annuity Differentiated

Interest rate, %

Maternal capital

date of issue

Credit term

0 year 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years old 26 years old 27 years old 28 years old 29 years old 30 years old

0 months

1 month

3 months 4 months 5 months

7 months

8 months 9 months 10 months

11 months

• Early repayments
• date
• Reducing the term Reducing the amount
• Monthly decrease
• term Monthly reduction in amount

sum

Add

The borrower can calculate future payments using Sberbank’s 2019 military mortgage calculator. Our service will clearly present information about financial burden, including the amount of the overpayment, the monthly payment and the minimum income required to gradually pay off the debt.

1. In the simple form of the calculator you will need to enter the following data:
2. amount of borrowed funds;
3. term;

NOTE! The recipient of a military mortgage from Sberbank can be not only a military man with a valid contract with the RA, but also persons dismissed for good reasons. The main condition is participation in the NIS.

Documents for military mortgage

The package of required papers for a military person will be minimal. You will need to provide:

• Russian Federation passport;
• application form;
• NIS participant certificate (it confirms the military’s rights to receive a preferential housing loan);
• documents for the purchased property.

Confirmation of income from a military personnel in Sberbank will not be required.

You should know that when purchasing a secondary home, the client will have to provide. This service is paid by the borrower himself, since funds from the budget are not allocated for such purposes.

Important point! Sberbank takes into account credit history borrower and may refuse to approve a military mortgage if its quality is poor.

How and where to apply

An application for a Sberbank military mortgage can be submitted in two ways: remotely or to an authorized mortgage center jar. In 2019 mortgage application The bank accepts the required package of documents, including real estate papers.

Since Sberbank is loyal to this category of borrowers, such applications are considered for minimum term. Usually it does not exceed 2 working days.

Procedure for receipt and service: stages of the transaction

The process of obtaining a mortgage for military personnel at Sberbank includes the following stages:

1. Careful study of loan terms (many military personnel at this stage consult with Rosvoenipoteka to select the most suitable bank and timing of the transaction).
2. Selecting a property for purchase (this stage should be approached as seriously as possible, since not every item of collateral will be approved by the bank and Rosvoenipoteka).
3. Preparing a set of documents and filling out an application form (usually this process does not take much time, since the package of papers required is minimal).
4. Innings loan application to Sberbank and its final decision (the decision is valid for 90 days from the date of announcement).
5. Concluding an agreement with the housing seller (it must stipulate the terms of purchase using the military mortgage program and the procedure and payment terms).
6. Opening in Sberbank special account in the name of the seller to whom it will be credited an initial fee due to NIS savings.
7. Conclusion of a loan agreement with Sberbank with a mandatory attachment in the form of a payment schedule.
8. Concluding a targeted housing loan agreement, which will become the basis for the allocation of funds from the state budget (concluded with Rosvoenipoteka).
9. Providing Rosvoenipoteka with the necessary package of papers for further transfer of funds to the borrower’s account.
10. Transfer of the first payment to the seller's bank account.
11. Registration of insurance for the purchased property (insurance is paid by the borrower exclusively at his own expense).
12. Registration of the transaction in Rosreestr and encumbrance of housing in favor of Sberbank.
13. Final settlement with the seller (non-cash).

Since the procedure for obtaining a military mortgage involves the participation of government agencies, you should be prepared for the fact that the terms differ significantly compared to the standard mortgage loan. Study, analysis of documents by Rosvoenipoteka, transfer of money and the inevitable human factor - all this adjusts the time for registering a transaction upward. Customer reviews also indicate that the entire process of obtaining a military mortgage, as a rule, does not take less than one month.

After the final stage of the military mortgage, its gradual repayment will begin using contributions from the state. Once a month, the military borrower’s loan account will receive money calculated as 1/12 of the annual savings contribution received to his personal account.

Despite the fact that the program provides for government participation and the allocation of funds from the budget, early repayment of the loan is allowed upon a preliminary application. This can be done by agreement with Sberbank and Rosvoenipoteka. There are no penalties (commissions, penalties, etc.) provided.

Is there refinancing of a military mortgage at Sberbank?

Currently, Sberbank does not offer refinancing of military mortgages; you can only get new mortgage. You can see who is engaged in on-lending in a special post.

If the client has decided on the refinancing procedure, then approval from authorized body from the state - Rosvoenipoteka - and the bank, which is the current creditor. Upon approval of intentions, the borrower will have to provide Sberbank with the necessary set of documents, including a certificate of participation in the NIS, a certificate of the debt balance and copies of the loan agreement and mortgage agreement.

In 2019, military mortgages from Sberbank are issued under two programs designed for the purchase of new or finished housing. A serviceman will be able to become the owner of comfortable housing (apartment, house, room, townhouse) by taking out a loan in the amount of up to 2.398 million rubles for a period of up to 20 years at 9.5% per annum. There is no need to invest your own funds, since the down payment on the mortgage and current payments are repaid from a contribution from the NIS personal account allocated by the state.

We discussed it in more detail in a special post.

We look forward to your questions and remind you that you can contact a military lawyer for advice. Sign up through an online consultant on our website.

We will be grateful for your like, repost and rating of the post.

Military mortgage is an opportunity for military personnel to purchase an apartment in installments for favorable conditions. It can be received by those people who, according to Federal law“About the savings-mortgage system housing provision military personnel" are entitled to a targeted housing loan. Those who can take advantage of this loan must, first of all, become participants in the savings-mortgage system to purchase finished housing at a reduced interest rate.

This type of lending has a number of advantages compared to many others. The main advantages of buying an apartment with a military mortgage:

1. Complete absence of any commissions.
2. There is no need to confirm solvency.
3. The interest rate is lower than in other mortgage programs.
4. A wide range of housing options: you can buy an apartment, a room, a town house or a residential building.
5. There is no requirement for compulsory health and life insurance for the borrower. This can be done as desired.

Under this mortgage, the borrower can receive up to 2.22 million rubles for the purchase of housing. The interest rate will be 10.9%. The borrower’s age at the time of loan approval must be at least 21 years.

Conditions for obtaining a loan

Mortgage loans are issued only in rubles. In this case, the amount received from the bank should not exceed 80% of total cost of the purchased object. This applies to both the contract price and the one that will be indicated in the expert’s conclusion.

The payment period may vary depending on two factors:

• Client's choice - you can get a loan for any period not exceeding 20 years. You can independently plan the most favorable amounts for contributions and total interest, which will be paid throughout the term.
• Compliance with the terms set for the targeted housing loan. In particular, the time for repaying the mortgage cannot be longer than the time allocated for the repayment of this loan.

An important advantage of the loan is that in this case not only confirmation of solvency, but also no property is required. The mortgaged property itself acts as collateral.

The loan does not involve any commissions. Life and health insurance is not required, but mandatory terms of military mortgage includes insurance of the purchased residential premises. The exceptions are land: This rule does not apply to them.

Brief scheme for obtaining a military mortgage

To become a client of Sberbank under the military mortgage program, you must first obtain a certificate confirming your right to a targeted housing loan. After this, you can contact the bank for a loan. Before looking for housing to purchase with a mortgage through Sberbank, you need to make sure that this federal program suits you personally and that you meet the conditions necessary to participate.

The further scheme is as follows:

1. Collection of all necessary documents, a list of which you can find below.
2. Contact Sberbank.
3. Receiving a response from the bank.
4. If the decision is positive, then it is necessary to collect another package of documents, this time for the property that interests the buyer.
5. Signing documents for obtaining a mortgage loan, as well as for insurance of collateral.
6. Obtaining home ownership through a bank loan.

To reduce the processing time for a military mortgage, you need to collect in advance the documents needed to submit it. According to data published on the official website of Sberbank, this list includes:

• Passport of the person applying for the loan.
• Application form for obtaining a mortgage. This document is filled out strictly according to the sample, and it is most convenient to enter all the data into it in advance. You can download the form on the website.
• A certificate confirming the right of a serviceman to receive a targeted loan for housing.
• If you wish, you can also provide documents for the property you plan to purchase. However, this condition is not mandatory, since you can find a purchase option even after the loan is approved - three months are given for this.

The Bank reserves the right to change the requirements for the package of documents on an individual basis if necessary. Therefore, even preliminary preparation for consideration of the application will not guarantee that you will not have to contact the department again on the same issue. But the list above is a list of documents for a military mortgage that will definitely be needed.

An application for a mortgage loan will be considered by the bank within 6 business days from the moment the potential borrower provides a complete package of documents.

Data for filling out a loan application form

To prepare an application form for consideration, first of all you need to download it from the official website and print it out.

• Full passport details.
• Data on changes in last name, middle name, first name, if they were ever changed. All this must be confirmed by relevant documents.
• Address, both registration and residence; if there is also a temporary registration, this must be indicated.
• Education.
• Indicate relatives and their contacts. Spouses must be indicated.
• Information about work and organization.
• Monthly expenses.
• Transport and real estate available.
• Regular expenses.
• Desired loan amount.

In addition to the questionnaire itself, to purchase an apartment with a military mortgage, you may need documentary evidence of some data. For example, certificates from service (work). All this, if necessary, will be requested by the bank on an individual basis.

Features of obtaining, servicing and repaying a loan

Submitting documents for review is not possible at any bank branch. It is necessary to choose an office either at the location of the property or at the place of registration of the person applying for a loan.

Loan repayment occurs in the order established by the bank. In this case, the terms of payment must be observed. Every year the law on federal budget establishes the required savings contribution for military borrowers. The monthly loan payment is 1/12 of this installment. Please note that due to this rule, the amount may change each year, albeit slightly.

By early repayment there are no restrictions. If you want to reduce mortgage term, you can close the loan amount ahead of time without penalties or overpayments. In general, a military mortgage from Sberbank is one of the most convenient options for obtaining housing in installments.