State program social mortgage. social mortgage

The housing issue is problematic for many Russians. To buy your own square meters funds can be raised over the years. The state provides support to its fellow citizens in solving housing problems.

So, today in Russia there is a social mortgage program developed under the program "Housing for the Russian family". It is intended for socially unprotected citizens.

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is a home loan, which is provided on preferential terms certain categories clients. This project covers the purchase of housing, the cost of which does not exceed 3 million rubles.

What categories of citizens can apply for a social mortgage?

According to the legislation, participants in the state program can become:

• citizens who are in line for improvement living conditions;
• families in which no more than 12 sq. m. housing;
• employees public sector(military personnel, teachers, scientists);
• young families;

If you belong to one of the categories, you can collect for a social mortgage. But you should not count on a large mansion or expensive apartments. The state allocates assistance for the purchase of housing within the established norms. So, one person accounts for no more than 18 square meters. m.

Detailed advice on obtaining subsidies from the budget or obtaining a soft loan can be obtained from local governments.

The implementation of this state program is entrusted to local authorities. The conditions for issuing a social mortgage may differ between regions. But in general, the principle and procedure for its provision is the same.

List of documents for social mortgage

First of all, it is necessary to register citizens who need to improve their living conditions.

To do this, you need to collect the following list of documents:

1. Statement. A form to fill it out can be obtained from local authorities.
2. Copies of civil passports of all family members.
3. Certificate of marriage or divorce.
4. Birth certificate of all family members.
5. Papers from the registration chamber confirming that family members who applied for a social mortgage do not have their own real estate.
6. Copy of certificate of receipt maternity capital(if available).
7. Copies of documents confirming the ownership of the residential premises or a copy of the contract of the residential premises.
8. Information about the composition of the family.
9. Documents on the financial condition (certificate in the form of 2 personal income tax).
10. Certificate confirming participation in the federal state program.

Officials are given 15 working days to consider all papers. If the applicant is found to be in need of a social mortgage, he will be issued a certificate confirming this right. It indicates maximum amount loan on which interest will be paid.

This document can be submitted to any bank that provides a social mortgage.

The state can help solve housing issue in the following forms:

1. Subsidizing the interest rate on a mortgage loan.
2. Partial compensation for the costs associated with the acquisition of housing.
3. sale state property at a reduced price when applying for a mortgage.

To find out how the social mortgage option works in the region on this moment, local officials should be consulted.

Features of social mortgage

1. Do not be fooled by rosy dreams of free housing or big help from the state. We have known apartment queues since the times of the USSR. At present, the situation has not changed for the better. Hundreds of thousands of Russians are waiting for their turn to receive state subsidies. Therefore, be patient and “enjoy” the paperwork and indifference of officials.
2. When applying for a social mortgage, the borrower is deprived of the opportunity to independently choose housing. The loan is provided only for the purchase of real estate in houses that are built for budget funds. Public housing is usually presented in the form panel houses standard layout. They are located far from best areas cities.
3. In order to get a social mortgage, you need not only to prove your right to participate in the state program, but also to meet the requirements set by the bank.

Thus, it will not be possible to purchase comfortable housing with an improved layout at the expense of the state.

The procedure for obtaining a social mortgage

The conditions for issuing a housing loan under the state program can be found on the AHML website http://www.ahml.ru.

Benefits of a social mortgage:

1. The minimum down payment is 10% of the cost of housing. If you apply for a loan on standard terms, then banks require an advance payment of at least 20%.
2. Interest rate from 10.3% per annum. Average mortgage rates are much higher and exceed 14% per annum.
3. The mortgage can be increased by the amount.
4. The possibility of reducing the overpayment on the loan by receiving compensation for interest from the state budget.
5. Opportunity to purchase economy-class real estate at a lower price than on the market.

Social mortgage conditions for buying a house

The loan is provided subject to an advance payment of at least 10%. The contract can be concluded for a term of up to 30 years.

The minimum loan amount is 300 thousand rubles. The maximum limit is determined depending on the region in which they will buy housing.

For example, residents of the capital can apply for a social mortgage in the amount of 6.6 to 10 million rubles. For residents of other regions, it is 4.8-7.1 million rubles. Sum possible loan depends on the amount of the advance paid.

The amount of the mortgage affects the interest rate. It is in the range from 10.3 to 11.4% per annum.

Basic requirements for borrowers:

1. The client is a member of the state housing program and belongs to those categories of citizens who have the right to receive a social mortgage. This information is indicated in the certificate issued by local officials.
2. The age of the borrower is 18-65 years (as of the end date of the loan agreement).
3. work experience for employees- 6 months and individual entrepreneurs- 24 months.

From the documents you need to provide:

• papers confirming the right to receive preferential mortgage;
• passports of both spouses;
• birth and marriage certificates;
• work book or employment contract;
• income statement for the last six months;

The Bank reserves the right to demand additional documents needed to make a final decision.

Applying for a mortgage involves a number of costs for the client. In particular, he must pay property insurance,

which is collateral for the loan. If the down payment on the loan is less than 20%, then the borrower's liability to the bank for the fulfillment of the terms of the agreement is additionally insured.

Policy personal insurance issued at the request of the client.

Stages of obtaining a social mortgage:

1. On the AHML website, find out the address of its representative office in your region.
2. Get detailed and professional advice from its employees on the issue of obtaining a soft loan.
3. Collect all necessary papers.
4. Contact the branch of the bank, which is a partner of AHML. Most of the soft loans are issued in the Savings Bank of Russia.
5. Fill out an application for a loan and wait for the decision of the bank.
6. If yes, start looking for real estate. You have three months for this. During this period, the decision of the bank is valid.
7. Sign loan documentation, conclude a contract of sale and mortgage.

So, we can conclude that getting a social mortgage is quite difficult. You need to go through numerous offices of officials to prove your rights.

But it doesn't end there. Next, you need to convince the bank of its solvency. And even with interest compensation, it is problematic for many citizens to pay mortgages and does not allow them financial condition. Therefore, we came to the conclusion that in most cases this state program remains only on paper.

Own apartment This is the dream of millions of people. But not everyone can get it. To date, one of the options for the state financial assistance is the provision of social mortgages.

social mortgage- This is a preferential social lending for the purchase of housing, provided to certain categories of the population. The implementation of such a program is based on cooperation state structures and banks.

According to Russian legislation social mortgage in 2017 may be provided in the following forms:

1. Mortgage lending with a subsidy in the form of lower interest rates. This program counted on grant commercial loans. This is a fairly common form of social mortgage, as banks provide housing loans at reduced interest rates with a flexible loan repayment schedule.
2. Mortgage program based on subsidizing part of the ownership of the apartment by the state. In this case, the bank is paid a certain part of the cost of housing as a subsidy, which includes an interest rate. This form of mortgage is quite common for the poor. For instance, social mortgage for state employees, which include teachers, doctors, cultural workers, scientists, etc.
3. Sale of secondary housing from the state social housing stock at a discounted price on credit. Basically, this form is intended for employees of certain structures.

Types of social mortgage

Who is granted social? This question interests many. In fact, social mortgage lending comes in several forms.

Social mortgage for a young family. In this case, the borrower is given a subsidy from the state for the purchase of housing. Families with children can count on 40% of the total cost of housing, and families without children - 35%. All payments are made by bank transfer. Both spouses must be under 35 years of age. They must have official documents, confirming the fact that they need to improve their living conditions, stand in line for housing and have the opportunity to repay the rest of the interest on loans. The area of ​​subsidized housing must comply with state standards (per person - 18 sq. m).

Favorable offers on the social mortgage "Young Family"

• Sberbank

military mortgage . This type of social mortgage involves opening a special savings account, where a certain amount will be credited monthly, which can later be used to improve existing housing conditions, to purchase housing. Moreover, these funds can be used not only after dismissal, but also directly during the carrying military service. In total, this cumulative amount, at most, can be 2.4 million rubles. Military mortgage funds can also be used for down payment for an apartment, and to repay the interest on the loan. In the event of a change in the financial situation in the country, the amount of the military mortgage will be indexed.

Favorable offers on military mortgages

We are studying how to buy an apartment on a mortgage 4 times cheaper than the market value.

Social mortgage is an option for many people who do not have their own living space or it is too small in size. Many people qualify for a social mortgage, and this is often the only affordable option improve living conditions.

Differences between ordinary and social mortgages

Many people confuse the concept of "mortgage" and "mortgage loan". A mortgage is a form of pledge of property, and a mortgage loan is a loan from a bank secured by property. Most often, people buy housing on a mortgage, while the collateral is either an existing real estate, or one that is purchased with a mortgage loan.

Depending on what benefits a person receives, social and commercial (ordinary) mortgages are distinguished. Commercial can get legal entities and private individuals who, by law, are not provided with benefits from the state. Social mortgage helps to improve the living conditions of people who belong to vulnerable segments of the population. The essence of the social mortgage is the ability to take out a loan for housing, which, thanks to the existing state program, will be much easier to repay by reducing the value of real estate.

Social mortgage helps to find a way out of a difficult situation when people do not have money to buy an apartment. It is issued for a long time, thanks to which people have the opportunity to get housing now, without spending money to buy it for many years.

The table compares the conditions of social and conventional mortgages that can be issued in Russian banks.

The table does not show the benefits of social mortgages. So what is its benefit? Such a mortgage cheaper. In all regions of the country there are different conditions for social mortgages:

• In one case, people can buy a home at cost, which helps keep the price down. Such a program, for example, operates in Moscow;
• In the second case, people can get the missing part of the money to buy real estate. For example, a young family with children can receive compensation in the amount of 40% of the cost of housing, and a family without children - 35%;
• In the third case, the state mortgage helps to get subsidies for the payment of interest on the loan, due to which it will be much easier to pay off the debt in the future.

If you want to know what benefits can be obtained through a social mortgage, you can contact the city administration and the bank. Each region has its own programs, each of which can greatly facilitate financial burden when buying an expensive home.

Who is eligible to apply for a social mortgage?

The state program allows you to receive benefits for the following categories of the population:

1. Young families with children

To apply for a benefit, young families must have funds to pay the missing amount after applying for a social mortgage. The age of the husband and wife should not be more than 35 years, while the family must be registered with the apartment. In accordance with the law, 48 square meters are allocated for two people. m.

2. All people eligible for better housing

In accordance with the norms in force in Russia, one person should have 18 square meters. m of living space. If people live in an apartment or house of a smaller area, they have the right to apply for a social mortgage.

3. Military personnel and combat veterans

4. Employees of the public sector, regardless of their age

This category includes employees of state bodies, employees of state educational institutions, workers of objects of culture, sports, workers of town-planning enterprises.

Social mortgage in Moscow

The cost of preferential housing for residents of the capital depends on the cost of building a house and the time that a person is in the queue for housing. The sale and purchase agreement is concluded between the borrower and the Government of Moscow, and any bank can act as an intermediary.

The main question remains what will be the cost of housing purchased on a social mortgage. For example, a person who has been in line since 1990 can buy a two-room apartment of 62 sq. m at a reduced price of 558 thousand rubles. The same apartment for a person who has been in line since 2000 will cost a little more than 2 million rubles.

By purchasing real estate at a reduced price, you can pay part of the amount at the time of the transaction, and to pay off the remaining part, take a mortgage loan from a bank offering profitable terms. People who want to apply for a social mortgage in Moscow must be 18-55 years old, be recognized as in need of better housing conditions, and be able to repay a mortgage loan.

How to apply for a social mortgage?

Applying for concessional loans sometimes requires a lot of effort to achieve a result. It is necessary to start the process by contacting the district administration, where an application is submitted with a request to register the apartment. The bank should find out all the details, including the requirements that apply to the future borrower. Most often, to obtain a mortgage, a bank needs to know the following information:

• Place of work;
• Seniority;
• Number of family members;
• The amount of monthly income;
• Availability of property insurance.

This form of mortgage is a good help provided by our state. Many countries do not have such programs. Therefore, despite the difficulties of a bureaucratic nature that await potential borrowers, we still advise you to take this opportunity seriously. If you have already decided on a mortgage, then the social one, of course, will be much more profitable for you.

Welcome to site. In the article we will tell you everything about getting a social mortgage, what it is, as well as which segments of the population can count on it. Social mortgage is a state assistance to citizens who belong to preferential categories. That is, these citizens are allocated money for which they can purchase their own living space.

Regional authorities independently decide how the mortgage will be obtained, what subsidies will be applied to it.

To date, there are several types of such assistance:

• Compensation of part of the price of the purchased apartment.
• Acquisition of living space from the state at a low interest rate.
• Paying part of the mortgage interest.

A set of government programs through which vulnerable segments of the population can purchase housing for themselves is called social mortgage. Not everyone knows that citizens who have been officially recognized as needing housing have the right to participate in these programs. But these citizens are not the only ones who have the right to receive an affordable mortgage. Purchasing according to the program new apartment can young families, military personnel and public sector workers.

There are several social mortgage programs, among which everyone can choose the appropriate option:

1. Interest subsidy.
2. Buying an apartment at a reduced rate.
3. Payment of a certain amount of the total cost of the apartment.

An interest rate subsidy is a social mortgage program that lowers the interest rate. These programs operate in a large number of commercial banks. They issue certain categories of citizens mortgage loans on low rates and also set a flexible payment schedule. For such banks, there is no difference who pays interest, the borrower himself or the state pays for it.

The poor part of the population most often chooses partial payment for living space. The essence of such a mortgage is very simple, that is, the state covers part of the cost of living space, but the money is issued not to the future owner of the apartment, but to a credit institution, which in turn subtracts this amount from the total debt and calculates new loan payments.

Acquisition of housing from the state is the acquisition of living space from housing stock. This mortgage is used for the sale of apartments to certain categories of citizens, these include:

• Military personnel.
• civil servants and others.

About social mortgage in 2019

The amount of the subsidy for 2019 is set at 30% of the total cost of the price, more precisely, it should not be lower than the daily value. If an apartment is purchased by families with children, then the subsidy increases to a minimum of 35%.

The final size is set by the regional authorities independently, it is influenced by the cost per square meter in the region, the size regional budget and the number of children in the family.

Social mortgage in 2019 is issued at a minimum interest rate of 9.9% per year. Although the majority of banks, including Sberbank, set a minimum interest rate of 11.5% per annum and at least 20% down payment. And in the agency mortgage lending at the same interest rate, the down payment is only 10% of the total cost of the apartment.

As mentioned above, a large number of commercial banks additionally offer their mortgage lending programs for public sector employees. Interest rates they are lower, and their repayment period is longer.

Who is entitled to a social mortgage

The following categories of citizens are entitled to a social mortgage in accordance with the law:

1. State employees, citizens who are on state support.
2. Poor citizens, a category that does not have decent living conditions.
3. Young families, citizens who are married, and have not reached the age of 35 years.

But they can apply for benefits only if certain conditions are met:

• The length of service of state employees must be at least three years in the relevant organizations, that is, in state or municipal authorities, medical or educational institutions, police, rescue institutions and other structures.
• If the family does not have their own housing or it does not meet the necessary living standards or sanitary standards.
• The couple is under the age of 35.

To get a mortgage, you must meet a number of important requirements. This type of mortgage is provided only to citizens who are recognized as needy at the legislative level and live in housing that is recognized as emergency or will be demolished. Also, this mortgage applies to young families, that is, if the spouses have not yet reached the age of 35 years.

Large families with three or more children are also eligible for social mortgages. A loan can also be issued by citizens who, by law, are participants in hostilities, and fought in Chechnya, Afghanistan and Syria, and defended the honor of their country, citizens who work in the public sector, doctors, teachers, serving in government bodies, scientists and other categories of citizens.

Young families can qualify for the purchase of housing using preferential mortgages. This type of mortgage involves a bonus from the state to newlyweds, that is, the bonus is 30% of the total cost of the apartment if the family does not yet have children.

If there are children in the family, then compensation will be 35% of the cost of housing. Even if the family has already taken out a mortgage and they have a baby, the state will still help. In this case, the additional subsidy will be 5% of the total cost.

Cash is not issued, the family receives a certificate, which is provided to the bank after the loan is issued, and the state makes the payment directly to the lending institution.

The family has the right to choose to use the benefit, which means that it can be used to pay a down payment, to pay part of the main cost of housing, or to pay off a loan debt.

Not every family has the opportunity to purchase housing, as they either do not have enough money to buy or have nowhere to earn it. Mortgage provided poor families, makes it possible for such families to purchase their own square meters. Options for receiving state aid low-income families are the same as for other categories of citizens.

Despite the fact that the income of state employees is stable, it is not very high. Not all banks can issue a mortgage loan with a low salary. But the state has created a special loan program, which is called "mortgage for budgetary workers." This mortgage for public sector employees is issued for a period of 25 years and has a number of its own features that relate to this loan product.

Not all employees of budgetary organizations have the right to such a mortgage, but only those who provide special value. These include teachers, doctors and researchers. In addition, they must be recognized as needing property. At the request of the state, the employee does not have the right to change the scope of activity throughout the entire period of payment of the mortgage loan.

Mortgages for doctors and military personnel

Social mortgage is provided to military personnel as part of a funded mortgage system, and he must participate in it for at least 3 years. Cash from this fund are used as a down payment for purchased housing.

The serviceman receives a special certificate in his hands, which confirms his right to the benefit, it must be brought to credit organization. To obtain this certificate, a soldier must write a report addressed to the unit commander.

To receive a social mortgage by doctors, they need to be in need of their own living space and be needed by their medical enterprise.

Design features

Under the new legislation, social mortgages are issued to citizens who are in the category of socially unprotected and need to purchase their own housing. That is, citizens must document the status of need. To obtain such a status, it is necessary to submit the necessary package of documents to the social protection service, and only after that, privileged categories of citizens have the right to queue for mortgage lending on social conditions.

The queue for apartments has been familiar to many since the days of the Soviet Union, the system has not changed since that time, but now there are much fewer people in the queue. Since the conditions for obtaining the status of need are very stringent, and not all citizens are considering this option of buying a home.

In accordance with the law, each citizen has the right to receive 18 square meters - this is for a family of three or more (for each family member), for a family of two, the area of ​​\u200b\u200bthe apartment is 42 square meters, and single citizens have the right to an apartment area of ​​33 square meters.

There are a number of restrictions that significantly reduce the likelihood of being considered in need of living space - these are:

• The minimum amount of living space that is sufficient for living is set by the local authorities.
• All premises and real estate available to the family are taken into account, even if the family does not live in it. That is, if a family of five lives in an apartment of 40 square meters, and the mother has this city there is still a house, then no one from the family has the right to stand on the waiting list for housing.
• The conditions in which the family lives must be recognized as unacceptable for living, but this requires various examinations and special commissions, which can slow down the whole process for many months.

There is also one more thing, now 1.3 million people are in receipt of preferential mortgages. That is why getting such a mortgage becomes very difficult, and in some cases impossible at all.

If a person has received the coveted status of needy, the next step is to collect a package of documents that will be required to obtain a loan. Before doing this, it is necessary to clarify what programs are currently available in the region, they are told about this in local authorities. Perseverance should be shown here, since, in accordance with the law, they must send a person to a special legal department, in which all mortgage lending programs are issued on preferential terms.

But even with the presence of benefits for mortgage lending, it becomes difficult to get it, since the conditions and requirements of banks do not change. That is, it is necessary to confirm income, collect a large package of necessary documents.

According to information sources, there are about 40 banks that work with preferential programs in the country, but in fact there are only 7-8 of them. Most banks do not agree to work with government programs and offers his own, which just have similar names.

Where to go

In order for the program of preferential mortgage lending to start its work, a person needs to contact the administration at the place of residence and the bank where the mortgage will be issued. In Moscow, it is much more difficult to take part in the program than in the Moscow region.

Many commercial banks may impose their own requirements on borrowers, that is, the level of income or length of service. This information must be clarified before the collection of documents begins.

Documents required to apply for a mortgage

A social mortgage for a young family or another preferential category of citizens is issued upon submission of the following documents:

• Application for receipt.
• Passports for all family members.
• Birth certificate for children.
• Extract from the house book.
• Information about the composition of the family.
• Certificate of income and work experience.
• A photocopy of the work book.
• Extract from the USRR for the purchased apartment.
• Certificate of ownership of the apartment.
• Legal documents for housing.
• Bank account details.

Citizens who do not have their own apartment and live in a communal apartment, hostel or rent a living space have the right to a social mortgage. It can also be obtained by state employees who live in the same area with other relatives or in cramped conditions, less than 15 square meters per person.

Conditions for obtaining a social mortgage in Moscow in 2019

Social mortgage in Moscow is provided to citizens subject to a number of conditions:

• All citizens who are registered as needing their own housing, that is, those who have registered this account before March 1, 2005.
• All citizens who registered as needing to purchase their own housing after March 1, 2005, but before the beginning of 2017 received the status of the poor, and also managed to apply for a preferential mortgage before the beginning of 2017.

What kind of living space can be taken in Moscow

A person has the right to buy housing or part of it from the list offered by the Moscow Real Estate Department.

The main conditions for a social mortgage are the total area, after it is improved, it should not be less than the established norm, that is, 18 square meters per family member. The norm of the area may be more, but the main thing is that it does not exceed the established standards:

• 40 square meters per person if a room or one-room apartment is purchased.
• 44 square meters, if the family consists of two people, that is, only spouses.
• 54 square meters, two-room apartment, if there are two people in the family, but they are not spouses.
• 62 square meters, two-room apartment, if there are three people in the family, in which there are spouses.
• 74 square meters, three bedroom apartment if there are three people in the family and no spouses.
• At 18 square meters per person, if there are four or five people in the family, the resulting apartment size can be increased by another 9 meters, but no more.
• For 18 square meters, if there are 6 or more people in the family, the resulting size of the apartment can be increased by 9 square meters, but no more.

It is worth knowing that if there is a person in the family who has the right to independently use the living space or part of it, then the size for this person will be deducted from the provided rate.

Different-sex family members, except for spouses, can be settled in one room only directly with their consent.

Step-by-step instructions on how to get a social mortgage

To apply for a social mortgage, you need to go through several important steps:

1. Submit a completed application and the collected package of documents for making changes in the accounting file. When writing an application, it is necessary to choose a method of providing the necessary living space, in this case it is a social mortgage. All family members and their applicants are required to sign the application.
2. If necessary, you will need to bring documents for re-registration. This procedure should be carried out every 5 years, but not less often. Also, this procedure must be carried out a year before a decision is made to provide living space and then before the decision itself is made. This is done to confirm that the family is still in need of accommodation. As a rule, such a procedure is carried out without the participation of the waiting lists themselves. In some cases, however, additional documents may need to be collected.
3. Then choose living space. After there are all changes in the accounting file, the Department of Real Estate, in accordance with the priority, will send a special notice to the waiting list, which will contain three options for providing housing. They must be reviewed and then the department notified of the decision. If the family did not like the accommodation provided, then the next three options will be provided only after a year.
4. After that, the family goes to the bank, which will issue a mortgage, it is chosen by the family on their own. Then you need to wait for a positive decision of the bank on issuing a loan in the amount necessary to purchase the selected apartment, taking into account the payment of part of the cost at the expense of personal funds. In this case, you can use maternity capital.
5. A contract of sale is concluded with the Department of City Property. To do this, you need to write an application for the conclusion of an agreement and bring a complete package of documents to the multifunctional center (MFC).
6. And the last stage is the registration of ownership of the purchased apartment.

Each appeal to the Department of City Property is registered with the assignment of an individual number. Using this number, you can check the status of processing the application on the official website of the city department.

Why banks conclude a mortgage agreement with state employees on special conditions

Commercial banks not only issue mortgage loans to public sector employees, but also provide them with special preferential terms, this has a significant explanation:

• Discipline of public servants. They treat obligations with full responsibility, and this quality is very important for the bank and they are sure that the loan will be repaid in full.
• State employees can be influenced with the help of management. These workers hold on to their jobs and can easily be strongly influenced by superiors. Otherwise, the debt will be written off directly from wages worker.
• The income of such workers is stable. Despite their small size, their salary is clean and does not have the concept of gray and white. Budget organizations rarely reduce or eliminate. And the likelihood that a person will not change jobs before the end of the mortgage payment is greatly increased.

As already mentioned, there is a social mortgage for doctors and other state employees, and there are special conditions for employees of the defense complex and their pensioners. The exact conditions and amount of such benefits must be found out from local governments.