Assistance in mortgage lending. Conditions for obtaining a mortgage with state support

The government is resuming support for mortgage borrowers in difficult financial situations. Formally, assistance is provided for ruble and foreign currency loans, but mainly foreign currency borrowers will be able to use it

Photo: Oleg Kharseev / Kommersant

The government published on the official website the terms of the renewed aid program mortgage borrowers in difficult financial circumstances. As follows from the government decree, the updated program, which allows citizens to receive assistance from the state, will be tougher than the previous one. The key change is that although the formally updated program is valid for both ruble and foreign currency loans, in fact, only foreign currency mortgage borrowers and people who have loans in rubles, but with a variable rate, fall under it.

The total volume of the updated program is 2 billion rubles, the document says. Its extension will allow the restructuring of at least 1.3 thous. mortgage loans, indicated on the government website. As part of the updated program, banks are restructuring troubled foreign currency mortgages at a ruble rate for the client of no more than 11.5%, or troubled mortgages in rubles at a rate no higher than the rate in effect on the date of the loan restructuring.

The program itself comes into force seven days after the publication of the official legal information on the website, that is, on August 22, explained Alexey Nidense, managing director of the Agency for Housing Mortgage Lending (AHML, the operator of the program). “But borrowers can seek advice and apply to banks for participation in the program right now - the procedure for working under the program is already well known to most credit institutions"Says Nydens. From August 22, banks participating in the state support program will be able to send their borrowers' applications for consideration to the AHML, explained Tatyana Ushkova, Deputy Chairman of the Board of Absolut Bank. The deadline for the end of the program is not set in the document - it will end as soon as the funds provided by AHML are exhausted.

As specified in the AHML, 97 banks that cooperated with AHML and earlier under the previous version of the program will participate in the program. RBC interviewed major mortgage banks However, in the evening, only Sberbank, Absolut Bank and Sovcombank were able to promptly give a positive answer about participation in the updated program. The rest of the surveyed participants in the mortgage market did not have time to answer RBC's request.

The state program for supporting mortgage borrowers was launched in April 2015 and was in effect until May 2017. The government allocated 4.5 billion rubles for the first version of the program. In fact, the program ended ahead of schedule - banks in March 2017 chose the provided limit.

Initially, the program provided for the restructuring of ruble and foreign currency mortgage loans at a rate not exceeding 12% per annum and compensation for part of the monthly payment (but not more than 1.5 million rubles in total). Since December 2016 for a family with one or two children maximum size aid was 20%, but not more than 600 thousand rubles. For all other categories of citizens listed in the decree (including for citizens with disabilities, veterans) - 30% and 1.5 million rubles.

According to the banks participating in the program, over the period of its implementation, more than 50 thousand applications from citizens for the restructuring of mortgage home loans... Of these, assistance was approved by 19 thousand borrowers. As the newspaper Kommersant wrote, 16 thousand applications at the end of the program met the requirements, but were not restructured due to the exhaustion of the AHML fund. Now these borrowers will have to apply for help again, according to a new government decree.

What's new in the terms of the program?

The main difference new program from the old one, just cutting off problem ruble borrowers, it was formalized as a new condition for participation in the program for borrowers, which did not exist before. Namely: it will be possible to take part in the program only in case of a sharp increase in the size of the monthly payment - not less than 30%. “As a result, as Vadim Pakhalenko, director of the mortgage lending directorate of TKB Bank, clarifies, in fact, only foreign currency mortgage borrowers and people who have loans in rubles, but with a variable rate, fall under the program.”

“It should be understood that the first wave of the program to support mortgage holders in a difficult situation was more focused on holders of ruble loans - only a small share of the previously allocated 4.5 billion rubles. fell on foreign currency mortgages, - says junior director for banking ratings Expert RA Vyacheslav Putilovsky. - But the problem of foreign exchange mortgage holders remains, and, apparently, the government decided to make such a cut-off for ruble mortgage holders in order to resolve at least partially the issues of the former. I think this is quite fair, given that only 2 billion rubles have been allocated for the second wave. "

Previously, the approach would have been different. According to Elena Kovyrzina, director of the retail business lending department at Absolut Bank, during the last program in their bank, the bulk of the restructuring fell on clients with ruble mortgages - these turned out to be 65% of the total number of those who received support. Also, it will not be possible to reconstruct a recently issued mortgage. The new resolution specifies that you can apply for participation in the program only if the "life" of the loan has already exceeded one year.

Collateralized housing, as previously stipulated, must be the only housing of the borrower's family starting from April 30, 2015 until the date the borrower submits an application for participation. But AHML will now independently verify data from the Unified State Register of Real Estate, adds Niedens. As one of the participants in the discussion of the extension of the program explains, this was done in order to remove from citizens financial burden for the preparation of documents - an extract for one of the family members costs about 1.5 thousand rubles.

Another innovation is the creation of an interdepartmental commission, which will have the right to make a decision on providing support to citizens who are in dire need of help, but do not formally meet the necessary two conditions of the program, Niedens explained. Such a commission is needed to make a decision in borderline situations - for example, when the area of ​​an apartment exceeds the established standard by 1 sq. m. Also, by decision of the commission, in exceptional cases, the amount of assistance from the state can be increased, but no more than twice, said Nidense.

The composition of the commission must be determined by September 1, 2017. It will consist of representatives of federal executive bodies, the Bank of Russia, State Duma deputies and the human rights ombudsman, the press service of the Ministry of Construction said. “Now there is a finalization and preparation for the approval of the documents necessary for the start of the full-fledged work of the commission.

With the fall of the ruble economic situation in the country has worsened. Many families who took advantage of mortgage programs began to experience difficulties in repaying debt. To help borrowers, the Government has signed a regulation regulating the scheme and methods for implementing loan restructuring. Read more about the program to help mortgage borrowers in the article.

The government is ready to help borrowers who are citizens of the Russian Federation, subject to certain conditions:

• the client documents a decrease in family income by more than 30%;
• the income per family man after taking into account the mortgage contribution is less than one and a half living wages;
• there is no information that the person has been declared bankrupt in court.

• the family is a member of a federal or municipal optimization program housing conditions and issued a preferential mortgage;
• the family has one or more minor children;
• the borrower is a military veteran, disabled person or has a disabled child;
• the client is an employee of government agencies with at least 1 year of experience.

Options for state support for borrowers

There are several alternative options for helping insolvent debtors.

1. The loan currency is converted to the national currency at the current exchange rate.
2. The rate on a foreign currency loan is set at no more than 12% per annum. The rate on the ruble loan is fixed until the end of the crediting period.
3. The current payment is reduced to 50% for up to one and a half years. In this case, the unpaid amount is carried over to subsequent periods.
4. The client's financial liabilities are reduced by 10% of the balance of the debt, but not more than 600,000 rubles.
5. The bank does not charge the client for restructuring.

The choice of the restructuring option depends on the specific terms of the agreement: loan currency, duration, etc. The lender is not obliged to write off the fines and penalties accrued for the delay to the client, however, he can do this at his own request.

On April 20, 2015, the Government Resolution No. 373 became valid. According to this document, certain categories of borrowers have received the right to loans in national or foreign currency. This includes such cases:

• family income decreased by more than 30%;
• due to the depreciation of the ruble, loan installments in foreign currency increased by more than 30%.

Restructuring in this case involves the following adjustments to the terms of the agreement:

• reduction of the current contribution for a period not exceeding 1 year;
• partial write-off of the body of the debt;
• the change credit rate- no more than 12% per year.

When restructuring mortgage loans for creditor banks, there is a possibility of returning part of the unearned profit within 6-12 months. For one loan, the allowable return limit is 10% of the loan balance, but not more than 600 thousand rubles.

In addition, the size authorized capital AHML OJSC was additionally financed for 4.5 billion rubles. This means that even more families will be able to count on help from the state.

To use the program, the borrower should contact their lender with the appropriate application. On the website of the Agency for mortgage lending submitted, which entered into a cooperation agreement with AHML.

AHML is only the regulator of the assistance program, this organization does not make a decision on restructuring the mortgage. If the creditor agrees to this procedure, AHML will compensate the financial institution for losses on the basis of a corresponding application.

Questions on restructuring can be voiced by phone " hotline"AHML 8-800-755-55-00.

At the time of filing an application for restructuring loan agreement must be valid for at least 1 year. The security can be a pledge of the housing put into operation or a pledge of the rights of claim under an agreement of participation in shared construction... The main requirements for the collateral are:

• the property is located in Russia;
• total area of ​​real estate - no more than 45, 65 or 85 sq. m for a one-room, two-room and three-room house / apartment;
• cost of 1 sq. m of real estate does not exceed by more than 60% the cost of a typical housing at the time of signing the initial transaction.

If the family has three or more children, the last point may not be observed. The premises in which the borrower's family lives should be the only one. It is allowed to have a share of the borrower or his family members in the ownership of other real estate, but not more than 50% in each room.

To take advantage of the restructuring program, the borrower must file a corresponding file with the bank. Attached to this document:

1. Photocopies of the passport of the borrower, mortgagor, their family members. For children - a birth certificate.
2. Marriage / divorce certificate.
3. Proof of income: a salary certificate and a copy of a labor book, a certificate from pension fund, certificate of state. registration of an entrepreneur and tax returns, a certificate from the employment center, etc.
4. Loan documents:

• loan agreement;
• mortgage payment schedule at the time of obtaining a loan and at the time of filing an application for restructuring;
• an extract from the Unified State Register of Real Estate Rights;
• participation agreement in shared construction;
• assessment of collateral at the time of obtaining a loan.

May be required additional documents, the full list should be checked with the lender.

One of the methods of helping the population is to reduce the size of the debtor's obligations. This can be done through:

• converting the loan currency into rubles;
• decline interest rate;
• one-time forgiveness of part of the debt.

When using the third mechanism, the state compensates the creditor for losses, i.e. lost profit.

Read also

Reviews and comments

Having learned about the extension of this program in early March, we called the hotline 8-800-7-5555-00, passed the compliance test successfully, and after talking to the employees that we are suitable for this program, we began to collect documents. According to the employees of AHML, the program will be valid until May 31, 2017. Those. it turns out we have 3 months in stock. and we calmly manage to collect documents. None of the employees have ever stipulated that the program could end ahead of schedule, if they knew, they would not take risks and participate in this program. We have already ordered extracts from Rossreestr, which cost 7400 rubles, which is not a little. The certificates themselves, according to the law, should take 3-5 days, but in fact from 1 month. Who will be responsible for this? And it is also not possible to revoke the production of extracts, although we do not need them at all. ("Credit and insurance organizations, as well as
notaries were obliged independently
request and receive information,
contained in the Unified State Register of Rights to
real estate (EGRP) and
state real estate cadastre (GKN) - the corresponding amendments were made to
a number of regulatory legal acts of the federal
Law No. 259-ФЗ dated 13.07.2015. From the moment the document enters into force, then
available since 12.10.2015, insurers, banks and
notaries when performing transactions,
requiring information from
Unified State Register of Legal Entities and GKN, will have to independently
claim necessary information, not
shifting this responsibility to clients. Current editions laws "On banks and
banking "No. 395-1 dated
02. 12. 1990, "On the organization of insurance
cases in the Russian Federation "No. 4015-1 dated 27.11.1992, and
See also Fundamentals of legislation of the Russian Federation on
notariate No. 4462-1 of 11.02.1993
imposed obligations on citizens
provide officials banking
structures in Insurance companies or
full package of documents to a notary,
provided for the performance of transactions,
insurance or notary
actions accordingly. To implement innovations, a single
system of interdepartmental electronic
interaction through which the exchange
information between Rosreestr,
By the Cadastral Chamber on one side and
banks, insurers and notaries with
the other will become possible in the maximum
short terms. ") What kind of injustice and deception of the state turns out that even the state cannot be trusted? Of course, we were simply unlucky that we were included in the list of families that did not have enough money.
I ask you not to disregard the requests of thousands of deceived families!
We kindly ask you to extend the assistance program at least for those families who have already ordered extracts! I ask you to take measures and not to close the program ahead of schedule, to find reserve funding so that there will be enough until the end of the program on 05/31/2017.

Why the program was closed, for Russians, as always, there is no money, it is better to help other countries, What kind of deception did people pay the last money for USRN certificates for 4 people 8000t.r amount for family budget not small, at least the money for the certificates was returned if there is no money to write off the interest, we hope that the state will find a positive result in favor of the Russians

And what do you want, kidalovo in the best traditions of our native state. At the end of February, they threw a cry: "Raggers, we thought about you, come and settle everything." On March 9, I ordered certificates and gave 7,400 (The money was taken out of what was intended for food for a month, now we are eating what was at home, borrowed for bread), on March 9 I learned about the termination of the program, but did not have time to return the money. In total, in our department, 3 more people in the period from March 1-7 ordered such certificates, one of them is a single mother, everyone got into debt, and the result ... In general, our state is once again trying to pull off the last pants from us ...

Is it not embarrassing that the tariffs for inquiries in Rosreestr have almost doubled compared to last year? The money allegedly remained, they decided to extend the program and increased the percentage from 10 to 20, so that more would "bite"? I think our government does not care deeply who gets money out of his pocket.
I understand the condition of everyone who has become deceived by this "help program". We all had the hope that at least part of the financial difficulties could finally be solved ... As a result, we were robbed.

Our state will help Syria better. On March 1, we went to the bank with a package of documents, wrote applications, they told us to come up, make extracts and bring the documents, on the 7th in the morning we went to the bank, a bank employee came out and said that the state had run out of money and there would be no payments. I don’t know how they managed to pay so much money, people stood in line for three months without results, bank employees, their families and acquaintances, but only who could receive these payments. It's a shame a hundred many people paid not a little money without the result of everything

We found out about this program at the end of February, immediately began to collect documents, borrowed money to order statements for 5 people. Today we went to the bank and told us that they had suspended the program and would no longer accept applications, I even burst into tears, I was very upset , hoped for some kind of help from the state, I am on maternity leave, I have three children. It's a shame. We ask you to extend the program.

Ilona link doesn't work. SHOULD BE SUBMITTED TO COURT !!! I got into debt because of this program. After February 23, we learned about the extension of the program. On March 4, we took the extracts and had to re-order a copy of the labor document, since the term is 1 month and the extracts were made for 1 month. We call the bank, they say that the documents are accepted until April 15, and the program itself is until May 31. They calmed down and on March 6 or 7 the program ended. At least the money was returned for all costs.

Strange, it opens up for me. To file a lawsuit against the state, in vain to pay a lawyer. Vkontakte has a group, I will throw off the link below. In the meantime, I am quoting Sergey Ignatiev, he writes very competently and

Who can apply for state support and what are the conditions for participation in the program - in short cards

The program of assistance to mortgage borrowers continues to operate in Russia; more than 20 thousand Russian families have already received support under it. Since August last year, 1,753 mortgage loans have been restructured.

About who and on what grounds can apply for state assistance in servicing mortgages - in short cards.

Program How does the state help mortgage borrowers

Since 2017, there has been an updated program of assistance to mortgage borrowers who are in a difficult financial situation and cannot service their loans. From the government reserve fund 2 billion rubles were allocated, the funds were contributed to the statutory fund of AHML (now DOM.RF) for the implementation of this program. It was originally assumed that due to financial aid will be able to restructure their loans at least 1.3 thousand borrowers.

Restructuring mechanisms imply a reduction in the borrower's payments on a loan during the assistance period, forgiveness of part of the principal debt and a change in the terms of the loan by the lender, as well as setting the interest rate at a level not higher than 12% per annum.

The period of assistance can be from 6 to 12 months.

Difficulties What is the reason for asking a mortgage borrower for help

If financial position the borrower has changed and it became difficult for him to pay off the mortgage loan - this is a reason for obtaining state support. You can apply for help if the average monthly gross income of the borrower's family for three months before the date of filing an application for restructuring does not exceed (after deducting the monthly payment on the loan) for each family member twice the cost of living in the region of residence. It is also important that the amount of the monthly payment on the loan increased by at least 30% compared to the planned payment established at the time of the conclusion of the loan agreement.

Participants Who is the program for

The following categories of borrowers can receive state support:

• parents (or guardians, curators) of one or more minor children;
• disabled people or parents of disabled children;
• combat veterans;
• Russians who are dependent on persons under the age of 24 (pupils, students or cadets, graduate students, adjuncts, residents, trainee assistants, interns receiving education in full-time training).

Borrowers of all these categories must be Russian citizens.

The apartment for which the mortgage is paid should be the only home for these borrowers. In this case, the presence of the aggregate share of the mortgagor and members of his family (spouse or spouse and children) in the ownership of another dwelling is allowed. But it should be one, and the share in the ownership right to it should not exceed 50%.

Apartment Do the parameters of mortgaged housing matter?

Yes, they do. total area mortgage studio apartment should not exceed 45 sq. m, two-room - 65 sq. m, apartments with three or more rooms - 85 sq. m.

Application What you need to do to get support

You need to contact the bank that issued the mortgage and apply for loan restructuring. It is necessary to provide documents confirming that the borrower belongs to one of the above social categories (birth certificates of children, a certificate of a military veteran, a certificate of disability, etc. are suitable). You also need to confirm the level of income of all borrowers for the three months preceding the conclusion of the restructuring agreement (copies of work books, certificates of income in the form of 2-NDFL, etc.). You will also need a statement on the property status of the mortgagor and his family members.

Banks Which organizations participate in the program

According to DOM.RF, 121 credit and non-credit organizations are participating in the program to help mortgage borrowers in difficult financial situations. The most active program participants in terms of the number of restructured loans are Sberbank, VTB Bank, DeltaCredit, Moskommertsbank, Raiffeisenbank.

Plans When the program ends

The program is valid until exhaustion Money allocated for its implementation. Since August last year, assistance to borrowers has been provided for total amount about 1.689 billion rubles. Positive decisions were made on more than 200 applications, and restructuring is expected to be formalized in the near future. According to DOM.RF, the Federation Council has approved amendments to the budget. Russian Federation providing for an increase in the volume of funding for the program by 731 million rubles.

Anyone can have unforeseen situations. They are often associated with a decrease in income, which affects many areas of a person's life. If there is credit liabilities, for example, a mortgage, you have to save a lot. You also need to look for methods of loan repayment. Now it is possible to pay off the mortgage at the expense of the state, if the decrease in income is associated with objective reasons. This allows you to keep the housing purchased on credit. The rules of the program will be discussed in the article.

Resolution

The norm is spelled out in the government decree No. 373, which is valid from 23.07.2015. Later, changes were made to the document, and new edition valid from 07.12.2015. It was introduced # 1331. The latest version took into account all the shortcomings that were in the previous bill.

The mortgage repayment program at the expense of the state involves:

• reduction of debt by 600 thousand rubles;
• conversion of a loan issued in foreign currency based on the rates of the Central Bank of the Russian Federation;
• reduction of regular payments to 18 months.

Compensation

The position of the borrower must be taken into account before the method of payment of the debt is chosen. Sometimes compensation of 10 and 20% of the principal is chosen. At first, it was envisaged to reduce the debt by 10%. From 12.12.2016 20% is already compensated.

For example, a client has a loan for 5 million rubles. Of these, he paid 3 million. It turns out that the remainder is equal to 2 million rubles, of which 20% (400 thousand rubles) will be paid by the state.

Write-off up to 600 thousand rubles

Maybe partial repayment mortgages at the expense of the state. 600 thousand rubles is maximum amount, which is paid by the state on account of the debt. At the same time, the price of real estate should be above 8 million rubles, since the first payment of 20% of the cost is required at the time of registration of the mortgage.

Birth of a child

The mortgage is repaid at the expense of the state at the birth of a child. After the appearance of the firstborn and the second baby, you can receive compensation for 18 sq. meters. And with the birth of the third child, the entire mortgage is paid.

How is the mortgage repayment at the expense of the state? To receive a debt cancellation with the birth of a child, you must visit This body is provided with:

• maternity capital certificate;
• birth certificates of babies;
• marriage document;
• mortgage agreement;
• proof of ownership;
• certificate of the remaining debt.

It is necessary to make copies of the documents, but the originals must still be taken with you. After verification, the funds go to pay off the debt, and the mortgage is closed. Families who have drawn up a contract under the state program have such an opportunity. If another was received, then it must be reissued in order to receive such benefits.

Decrease in income

To arrange the repayment of a mortgage at the expense of the state due to a decrease in income, it is necessary to confirm a decrease in the level of material wealth. This can be a decrease in wages by at least 30%. The borrower must apply for restructuring 3 months after the decrease in income.

There is another reason why it is possible to pay off the mortgage at the expense of the state. This is getting a loan in foreign currency. State support is provided if, after the change in the exchange rate, the payment increased by 30% without income growth. An increase in costs is equal to a decrease in wages.

Participants

Who can count on the repayment of the mortgage at the expense of the state? 2016, like 2015, allowed the following categories of citizens to apply for such benefits:

• a young family with a child under 18;
• family with 2 children;
• a family where the child or parents are disabled;
• the presence of a dependent under 24 years old who has no official income;
• civil servants;
• workers;
• participants;
• employees of the innovation sphere;
• former combatants;
• employees of RAS institutions, the Academy of Sciences and scientists.

Requirements for real estate

There are several requirements due to which the repayment of the mortgage is made out at the expense of the state. 2017, like 2016, was no exception for the beneficiaries. Benefits are granted based on the following conditions:

• real estate is the only housing or no more than 50% of the share in another object;
• cost of 1 sq. m. must be less than 60% of the price of an average property;
• the legal purity of the object is important.

The dwelling must meet the space requirements. If the borrower lives there alone, then the object should not be more than 50 sq. m. For 2 people, the limit is 35 meters for each. The whole area is not more than 70 meters. If there are three tenants, then the requirement for the object is up to 100 sq. m.

Income requirements

There are requirements not only for real estate, but also for the income of borrowers. In 2017, the innovation began to operate. The client can receive benefits if his personal or family income... The deterioration is evidenced by the balance after the payment of the contribution. If it is below 2 living wages, then the borrower has the right to arrange the repayment of the mortgage at the expense of the state.

In Moscow living wage is equal to:

• 17,000 rubles - for adult workers;
• 13,000 - for children;
• 11,000 - for retirees.

A borrower who wants to take advantage of the support must not have bankruptcy status under judgment... You can take part in the program, subject to availability target loan... In this case, the delay must be within 30 - 120 days.

agreement date

According to the first edition of document No. 373, clients who took out loans before 2015 had the right to pay off mortgage debt at the expense of the state. The next decision does not specify anything about this. Only the period from the execution of the contract to the appeal for help has been determined. It must be at least 1 year old.

Procedure in Sberbank

These services are available at all banks. Many have a mortgage at Sberbank, because there profitable terms... To receive compensation guaranteed by the state program, you must perform the following steps:

• come to Sberbank;
• consult a specialist about the possibility of obtaining a benefit, as well as take a sample of writing an application;
• write a statement, collect documents;
• get help;
• transfer the documentation to the bank.

After that, we must wait for the decision of the AHML. If the result is positive, then funds are transferred to the account, thanks to which the amount of debt is reduced. The client must sign an agreement with the bank, which sets out the terms of the transaction. Then the mortgage is adjusted, it is carried out with Rosreestr and the bank.

Required documents

The borrower must submit the following list of documents:

• the passport;
• confirmation of the right to participate in the program: income statements;
• a copy of the work book, certified by a notary;
• marriage certificate or its dissolution;
• birth certificate of a child;
• real estate papers
• participation agreement in shared construction;
• extract from the Unified State Register.

The list of papers can be changed. Additionally, documents may be required about the disability of the client or his children, about participation in hostilities. The borrower is responsible for the fulfillment of other conditions specified in the agreement. These include life and real estate insurance.

Federal programs

Since 2011, Russian citizens can join the program that allows for debt restructuring. It works for young families. The financial liability is reduced on it.

Participants must meet several conditions:

• age - up to 35 years;
• per person is intended no more than 15 sq. meters of housing;
• availability of funds to fulfill loan obligations;
• proof of participation in the provision of socially rented housing.

Paying compensation will be a great help to the family. While the amount will be small for some, given the cost of housing, it still saves a lot of money. Therefore, if all the requirements are met, it is imperative to participate in such a program; it is extremely unreasonable to refuse such assistance.

Nuances

Naturally, in such a question, one cannot do without pitfalls:

• creditors cannot take money from clients for the restructuring procedure;
• even with the program, the client needs to make payments, and this does not get rid of fines;
• the creditor can forgive fines in full or in part, if this is associated with a deterioration in the financial situation of the client;
• the client continues to be liable for property and health insurance, which is specified in the mortgage agreement;
• an application for restructuring is considered within the time frame approved by the credit institution;
• the subsidy is not provided to the borrower, the funds are transferred to the bank, which avoids waste for other purposes;
• if, after receiving the mortgage, another child appears, then assistance is provided up to 5% of the amount;
• with participation in the program, a certificate is issued;
• a mortgage can be issued not only at Sberbank, but also at other banks in the country;
• you can use the help only once.

Repayment of part of the mortgage by the state will be an excellent help for borrowers. It is necessary to collect required documents, and wait for the decision. Beforehand, you should consult a specialist about the chances of participating in the program. Sometimes some nuances can affect the decision of the commission, so it is important to make sure that you meet all the requirements for a participant in this program. Show a little perseverance and you will definitely reach your goal! The state takes care of its citizens and does everything possible for their comfort!

At the end of 2014, the country experienced a sharp increase the number of mortgage arrears among the population of the country. This is due to the sharp drop in the ruble exchange rate due to the prolonged crisis in the Russian economy.

In this regard, the Government of the Russian Federation has developed a program to help mortgage borrowers AHML, which has been implemented since 2016. About who can get it and last news on the work of the additional financing project further in the article.

Conditions for participation in the program

Special program state support AHML (Agency for Housing Mortgage Lending) is needed to restructure the problem mortgage loan at preferential rates, at which the state pays part of the monthly payment for the borrower. The amount of debt on loans does not matter.

Hotline phone - 8-800-755-55-00

There are several conditions for obtaining state support:

1. the passport,
2. certificates that record your financial security,
3. Documentation on mortgage and pledged property (copy of the agreement, bank certificate, copy of the contract for the sale of mortgage real estate),
4. extracts from the state register for a residential property to confirm the status of mortgaged housing.

• The borrower can take part in the assistance program only if the banking organization is also a participant in it. For example, clients of Sberbank can receive state support.

For borrowers who have taken out a mortgage loan secured by their own home, special conditions apply:

• Any housing can be pledged, including the one that is subject to the right of claim equity participation in construction under a contract;
• This property must be the sole residence of the borrower. It should be noted that the aggregate share in the property of each owner must be less than 50%;
• The area of ​​a pledged one-room apartment should not exceed 45 square meters... For a two-room apartment, the maximum limit is 65 square meters, and for a three-room apartment and more - up to 85 square meters;
• The value of the mortgaged real estate should not exceed the cost of standard housing on the primary and secondary market more than 60%. Used for comparison regional market according to Rosstat data as of the date of taking out a mortgage loan. This condition does not apply to families with three or more children.

How to get financial assistance

To obtain financial assistance from AHML, the borrower must contact banking organization who took out a mortgage loan. To do this, he needs to provide a certain package of documents, the terms of provision and the list of which are established by the bank itself.

In early August 2017, the Government of the Russian Federation, headed by Dmitry Medvedev, approved the further work of the program for selected categories mortgage borrowers in a difficult situation. As a result, a new resolution was adopted, the implementation of which will begin on August 22.

Rus24 portal. News reports that from state budget 2 billion rubles were allocated to extend the program of assistance to mortgage borrowers.

One of the main points of this document is the re-application in case of refusal. That is, if a citizen was denied participation in the program before the adoption of the resolution, he / she will reapply for financial assistance. It should be noted that in this case, the data will be taken into account taking into account all changes that have occurred after the refusal.

Also, if the mortgage was issued in foreign currency, then the loan debt will be transferred to Russian rubles, in the case of state support.

Video: The program of state support for mortgage borrowers has been extended