Assistance program for certain categories of mortgage borrowers. AHJK program for mortgages in Sberbank

Purchasing housing with a mortgage is currently a very common way to solve the housing problem in the region. Russian Federation. Borrowers have to analyze a number of advantages and disadvantages, go through a lengthy approval procedure, and pay considerable an initial fee and monthly payments with interest, which in the current conditions economic situation It’s very difficult for many people in the country.

The state, for its part, is interested in solving housing issues Russians, therefore, cooperates with banking institutions, providing financial assistance to borrowers. However, not everyone can count on it, but only those citizens who find themselves in a truly difficult situation.

So in 2015, government decree No. 373 was approved, according to which the Housing Mortgage Lending Agency (AHML) is implementing the project to help the population pay off mortgages. It was originally planned that the program would operate until 2017, but changes were made several times. As a result, the project deadlines were extended, and it is possible to ask the state for help in 2017. How long the program will operate also depends on the initiative of the population.

The essence of state aid

Program state aid mortgage borrowers includes the following:

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Reduction of the payer's obligations to the banking institution from 20 to 30 percent on the loan, depending on the amount of the remaining debt (maximum 1.5 million rubles); Agreeing on the format of assistance between the bank and the borrower, for example, directing the amount provided to pay off the balance of the debt. Thus, the hedgehog decreases monthly amount
payment or the monthly amount is halved for up to one and a half years;

Replacing a foreign currency loan with a ruble loan, without exceeding the mortgage rate by more than twelve percent per year. mortgage loan, in fact, they are very interested in this. Thanks to this procedure
the bank covers the losses it incurs, including interest, due to the fact that the loan is repaid ahead of schedule with the help of the state.

If we talk about the reasons for refusal, they are often incorrectly submitted documents, unreliable information in them, non-compliance with the requirements for participation in the assistance program, as well as failure to comply with the terms of the project.

Right to support and claims

Referring to government decree No. 373, amended on November 24, 2016, the following categories of borrowers can apply for assistance from the state:

Persons with Russian citizenship and at least one minor child;
Guardians or guardians of one or more minor children;
Participants in hostilities;
Persons with disabilities and families with children with disabilities;
Citizens with dependent children under twenty-four years of age studying full-time at an educational institution.

To receive assistance, borrowers must also take into account the fact that the apartment itself, purchased with a mortgage, must meet certain requirements.

Required characteristics:

The housing area should be no more than 45 square meters. For studio apartment, no more than 65 sq.m. for a two-room apartment and no more than 85 sq.m. for a three-room apartment;
Price of one square meter living space should not be higher than 60% of the average cost of a standard standard apartment in the region on the date of concluding an agreement with the bank;
The residential space purchased with a mortgage is the only residential property owned by the borrower.

Prerequisites

To ensure that borrowers are not denied government assistance, it is necessary to ensure that applicants meet all the established requirements provided for by the preferential program.

First of all, this is the presence of Russian citizenship and an income level below two subsistence minimums established at the place of residence for each family member. For the calculation, figures for the last three months are taken. When, when applying for a loan, the agreement specifies co-borrowers who also have their own share in the purchased property, the necessary documents are provided in the form of two packages for each borrower separately.

It is also important that the mortgage is used to purchase or build housing exclusively on the territory of the Russian Federation, and that the loan itself is taken in Russia. A prerequisite is a decrease in family income over the last three months by more than thirty percent, as well as dismissal from work. If we talk about foreign currency mortgages, then you can ask for help if, due to an increase in the exchange rate, the amount of debt has increased by more than thirty percent. All reasons provided by borrowers will be carefully verified. If there is the slightest discrepancy, the application will be denied.

Documents for application

Borrowers who are counting on government assistance in paying off their mortgage in 2017 need to prepare a considerable list of documents, which include:

Advantages and disadvantages

After submitting a complete list of papers to the banking institution, the employee responsible for receiving it sends the documents to the housing mortgage lending agency for verification. The verification itself lasts about thirty days, but sometimes you have to wait up to six months for a response if the bank and agency need to request any additional paperwork.

After making a positive decision banking institution will arrange a meeting for the borrower where he will offer to sign a new payment schedule, new related documents and a loan restructuring agreement with updated terms.

Next, you will need to wait from 2 to 4 weeks when the mortgage will be requested from the bank’s archives. After this it is necessary along with the complete package loan documents and an agreement to change the terms of the mortgage, visit the court for state registration changes.

There are a number of negative and positive aspects under this program. On the positive side:

The amount of assistance can reach 600,000 rubles, which can help reduce mortgage payments;
Reducing the mortgage payment will ease the borrower's financial situation.

From the negative:

The assistance program is a good tool to support mortgage borrowers, but the mechanism for its implementation is complex, cumbersome and opaque, which leads to negativity from the population.

The sharp depreciation of the ruble had a negative financial impact on foreign currency borrowers. Some of them are even facing bankruptcy. About what threatens bankruptcy with a mortgage and what will happen to mortgaged apartment You can read the article at the link.

In 2015, the Russian government adopted a program to support mortgage borrowers who find themselves in difficult life situations. This program assistance to mortgage holders prematurely ceased to exist in March 2017 due to the expenditure of allocated funds.

In August 2017, the Government of the Russian Federation, headed by D.A. Medvedev. allocated an additional 2 billion rubles to assist mortgage borrowers. However, the terms of the program changed significantly, and by 2018, the money allocated to help mortgage borrowers ran out again.

In order to further support mortgage holders, the Government of the Russian Federation decided to provide additional funding for this program and in accordance with Government Resolution No. 1175 dated October 3, 2018 " "On the further implementation of the assistance program separate categories mortgage borrowers housing loans(loans) who find themselves in a difficult financial situation," an additional amount of 731 million rubles was allocated.

For reference. The regulatory document regulating the procedure for providing assistance is Decree of the Government of the Russian Federation dated April 20, 2015 N 373 (with amendments and additions in force in 2019) “On the main conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in difficult financial situation, and increasing authorized capital joint stock company"Agency for Housing Mortgage Lending".

Now we will take a closer look at the new conditions for obtaining support for borrowers with a mortgage loan.

The joint stock company DOM.RF (previously this company was called the Agency for Housing Mortgage Lending) deals with issues of providing assistance in the event of difficulties in repaying mortgage loans.

Assistance is provided in the form of loan restructuring. In this case, restructuring can be carried out either by concluding an agreement between the creditor and the borrower (joint and several debtors) to change the terms of a previously concluded loan agreement(loan agreement), and by concluding a new loan agreement (loan agreement) for the purpose of full repayment of debt on a restructured mortgage loan. To conclude debt restructuring, the borrower must submit an application to the credit institution.

Maximum support amount

The maximum amount of compensation for the loan is 30% of the balance of the loan (loan) calculated as of the date of conclusion of the restructuring agreement, but not more than 1.5 million rubles.

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

Duration of the program

Decree of the Government of the Russian Federation dated October 3, 2018 No. 1175 sets the deadline for filing an application for assistance - December 1, 2018. Such applications may be considered later, and in fact assistance on such applications will be provided in the 1st quarter of 2019.

Important. An application for the need for restructuring in accordance with the assistance program must be submitted before December 1, 2018.

Conditions for providing support to mortgage borrowers

Now let's figure out who can get help. In accordance with current legislation Citizens can count on help with mortgage difficulties subject to simultaneous following conditions (listed below):

1 required condition- categories of borrowers.

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

citizens who have one or more minor children or are guardians (trustees) of one or more minor children;
citizens who are disabled or have disabled children;
citizens who are combat veterans;
citizens whose dependents are persons under the age of 24 who are students, students (cadets), graduate students, adjuncts, residents, assistant trainees, interns and full-time students.

Condition 2 - change financial situation borrower (joint and several debtors).

To receive assistance, it is necessary that the average monthly total income of the family of the borrower (joint and several debtors), calculated for 3 months preceding the date of filing the application for restructuring, after deducting the amount of the planned monthly payment on the loan (loan), calculated for the date preceding the date of filing the application for restructuring , does not exceed twice the amount for each family member of the borrower (joint and several debtor) living wage established in the constituent entities of the Russian Federation in whose territory the persons whose income was taken into account in the calculation live.

New condition. At the same time, the average monthly total income of the family of the borrower (joint and several debtors) in billing period equal to the sum of the average monthly income of the borrower (joint and several debtors) and his family members and the amount of the planned monthly payment on the loan (loan), calculated as of the date preceding the date of filing the application for restructuring, has increased by at least 30 percent compared to the amount of the planned monthly payment, calculated on the date of conclusion of the credit agreement (loan agreement).

Thus, Despite the fact that the assistance program is designed not only for foreign currency borrowers, its condition of increasing the monthly payment by 30% suggests that this program will be able to benefit mainly from citizens who have taken out a mortgage in foreign currency.

Condition 3 – location of the property and official registration of the mortgage.

According to current requirements, the object must be located on the territory of Russia, and must also be registered as collateral. Read about the procedure for applying for a mortgage in the article at the link.

Condition 4 – requirements for room area.

Assistance is provided if residential premises, including residential premises, the right of claim to which arises from the contract equity participation does not exceed:

45 sq. meters - for a room with 1 living room;
65 sq. meters - for a room with 2 living rooms;
85 sq. meters - for a room with 3 or more living rooms/

For reference. Condition on the minimum cost of 1 sq. meters total area excluded.

Condition 5 – the only housing.

Assistance is provided only if there is only one place to live. In this case, it is allowed to have a total share of the mortgagor and his family members in the ownership of no more than 1 other residential premises in the amount of no more than 50 percent.

Important. Compliance with these conditions is confirmed by the borrower’s application in a simple writing. The borrower is not required to provide information from the Unified State Register of Real Estate. Joint Stock Company "Housing Mortgage Lending Agency" verifies the information provided by the borrower in accordance with this subparagraph.

Condition 6 – term for concluding the loan agreement.

Support is provided only for those loans for which the agreement was concluded at least 12 months before the date the borrower submits an application for restructuring, except in cases where mortgage(loan) was provided for the purpose of full repayment of debt on a residential mortgage loan (loan) provided at least 12 months before the date the borrower submitted an application for restructuring.

New exceptions. Clause 9 of the new Conditions of the program (as amended by Decree of the Government of the Russian Federation dated August 11, 2017 N 961) stipulates that in the event of non-compliance with no more than two conditions provided for in clause 8 of this document, payment of compensation under the program is allowed in accordance with the decision of the interdepartmental commission in the manner provided for by the regulations on the interdepartmental commission.

Mortgage Borrower Support Form

In order to receive assistance, the bank must provide for the following changes in the terms of the mortgage loan:

Which banks provide assistance to mortgage borrowers?

Acceptance of documents to assist borrowers within state program carried out by the main banks of the Russian Federation. These include:

Sberbank, Gazprombank, VTB 24, Rosselkhozbank, Bank of Moscow, UniCredit Bank, Promsvyazbank, ROSBANK, BINBANK, Absolut Bank, Avtogradbank, AK BARS, AKIBANK, GLOBEXBANK, Far Eastern Bank, Zapsibkombank, Bank ZENIT, Izhkombank, Krayinvestbank, Kurskprombank, LOKO-Bank , METCOMBANK, MTS-Bank, OTP Bank, Primsotsbank, RosEvroBank, Svyaz-Bank, Sobinbank, Center-invest.

Let us remind you that in order to obtain a restructuring, you must contact the bank that issued the mortgage loan, and then the bank itself will contact the Agency for Housing Mortgage Lending. Therefore, if all of the above conditions are met in the application to the bank, it would not be out of place to refer to Decree of the Government of the Russian Federation dated April 20, 2015 N 373.

Please note that the program does not provide for complete exemption of the borrower from making monthly loan payments, from paying fines, penalties and penalties accrued under the terms of the loan agreement (loan agreement). The lender may consider partially or completely writing off fines, penalties and penalties for late payments incurred during the period of deterioration in the borrower’s solvency. However, according to the assistance program approved by the Government of the Russian Federation, he is not obliged to do this. In addition, the program does not provide for the release of the borrower from property and title insurance obligations, and personal insurance, the conditions for which are specified in the current loan agreement.

To receive support, you must submit to the bank from which the mortgage loan was obtained an application with a list of documents provided by JSC AHML (DOM.RF).

Due to a significant deterioration in the financial situation of citizens of the Russian Federation in 2015, the state decided to provide assistance to mortgage borrowers belonging to social groups. This project implemented through the Housing Mortgage Lending Agency (AHML). It is worth noting once that only certain citizens can take advantage of this assistance program, the requirements for which, as well as the necessary set of documents and the registration procedure, we will consider in more detail in this article.

Options for helping mortgage borrowers

It is important to immediately note that this moment the program applies exclusively to contracts concluded under it during the period until May 31, 2017. That is, if you have the opportunity and desire to use help, you should apply for it as early as possible. We also advise you to first check with your bank about its participation in the program and the availability of funds allocated from the budget for this assistance, since in their absence, all efforts to collect documents and formalize them will be in vain.

It is worth understanding that this program provides several options. financial assistance, from which the borrower himself and his bank subsequently select the most suitable one. Moreover, the procedure itself provides for restructuring debt obligation through additional agreements or the conclusion of a new loan agreement. Direct assistance can be provided in one of four ways.

Repaying part of the mortgage principal. This option provides for a one-time transfer of funds, the volume of which cannot exceed 20% of the debt balance at the time of restructuring and 600,000 rubles (30% and 1,500,000 rubles for large families, and those who have two minor children), with the intended purpose of reducing the amount of the principal debt.
Reduced monthly payment. Its size will be reduced by at least 50% for up to 18 months.
Decline interest rate . If the mortgage was originally issued in rubles, then the level of the newly established commission for use borrowed money should not exceed its current value, and for loans in foreign currency - no more than 12% per annum.
Changing the lending currency. Assistance is provided for the restructuring of debt from foreign currency in rubles at the rate established by the Central Bank of the Russian Federation at the time of execution of the transaction.

It is worth noting that deferred payment is also available. That is, it is provided Grace period for mortgage repayment, which provides for the period of its validity the release of the borrower from the obligation to pay part of the principal debt and accrued interest.

Conditions for obtaining assistance to mortgage borrowers from AHML

To use the program, the mortgage borrower, in addition to being a citizen of the Russian Federation, must meet all four basic requirements. If at least one of the conditions is not met, then assistance will, unfortunately, be denied.

1. Attitude towards social group . It will be enough to meet one of the following conditions:

Has one or more minor children (own, adopted or officially under their care);
Combat veteran;
You yourself are disabled or there is a disabled child in the family;
A dependent student under the age of 24 is supported.

2. Insufficiency family income . If previously (before 2017) a mandatory reduction in the borrower’s salary by at least 30% was required, this condition has now been canceled. To meet this requirement, it is enough that the average family income for the last three months, after paying off the mortgage loan, does not exceed two subsistence minimums corresponding to the region of residence of the borrower, for each member of his family.

For example, a person living in the Saratov region received 150,000 rubles over the last 3 months. Thus average salary it will be 50,000 rubles. His family consists of three people - himself (borrower), wife (co-borrower) and a minor child. The spouse receives maternity payments, the amount of which for the last 3 months amounted to 30,750 rubles. That is, the average value is 10,250 rubles. Planned expenses, according to the schedule, to pay the mortgage monthly are 15,430 rubles.

The calculation is made as follows. The cost of repaying the mortgage is subtracted from the total family income, which in this case will be 60,250 rubles per month. The net balance will be 44,820 rubles. This amount will need to be divided among all family members, that is, 3. Accordingly, each will receive 14,940 rubles.

Now all that remains is to check the income amounts with double the subsistence minimum, which in the corresponding region is 8,773 rubles for the able-bodied population, and 8,300 rubles for children. Each capable family member (borrower and co-borrower) must have an income of up to 17,546 rubles, and for a child – up to 16,600 rubles. All values exceed the actual average income received for each family member. Thus, according to the example, the borrower meets the second requirement of the program.

3. Compliance with living space. In addition to the mandatory use of an apartment, which is also located on the territory of the Russian Federation, as collateral for a mortgage loan, it is necessary that it:

According to the estimated value, based on the price per 1 sq. meter, does not exceed 60% of the cost of 1 sq. meters of corresponding real estate according to Federal service state statistics at the time of execution of the loan agreement;
The total living space did not exceed 45 square meters. meters, if its layout indicates 1 room;
The total living space did not exceed 65 square meters. meters, if its layout indicates 2 rooms;
The total living space did not exceed 85 square meters. meters, if its layout indicates 3 rooms or more.

It is worth considering that all requirements for footage and cost do not apply to citizens who have three or more minor children in their family. Accordingly, it is only sufficient that the housing is located on the territory of the Russian Federation and serves as collateral for the mortgage loan.

4. The only housing. The property specified in the third paragraph must be the only premises suitable for living owned by the mortgagor. Although it is allowed for the borrower himself and his family members to own up to 50% of one other residential property.

Required package of documents

If all four of the above requirements are met, you must proceed to collecting a package of documents. It is worth immediately noting that the legislative framework allows the bank to add to the list necessary documents on an individual basis. Therefore, it is often worth contacting your credit institution first for detailed advice. Although mandatory documents will be:

Passport of a citizen of the Russian Federation (borrower and his spouse);

Child's birth certificate;

Certificate of current or dissolved marriage;

If the marriage was dissolved, then a certificate of this and a court decision or agreement of the parents on the residence of the child with one of the former spouses is provided.

Certificate of combat veteran or document confirming the assignment of disability to the borrower/his child, etc.

Financial documents. Depending on your employment option, you may be required to:

A copy of the work record, certified by the employer;

State-issued income certificate;

Certificate of registration of individual entrepreneur;

Certificate of registration from the authorities social insurance on assignment of unemployed status with the level of payments received;

Help from Pension Fund about the registration status and the amount of accrued benefits, etc.

Loan and burdensome documentation.

Mortgage agreement;

Loan agreement;

Payment schedule;

Additional agreements to the loan agreement;

Extract from the Unified State Register of Rights to real estate and transactions with him on the subject of mortgage (validity period - 1 month);

Real estate appraisal report carried out at the time of mortgage registration;

A mortgage on the collateral.

Procedure for obtaining assistance

For the borrower, if you do not take into account the process of collecting the necessary package of documents, the process of using this program is quite simple. You just need to contact your bank with the appropriate set of documents and an application for restructuring. Next, the lender himself carries out all the necessary actions to consider the application, and, if necessary, submits it for additional analysis to AHML. If the decision is positive, it will be enough to agree with the bank on the appropriate time and date for drawing up a new agreement or an addition to the existing one.

Borrowers will be able to take part in the program if at least 12 months have passed from the date of receiving a mortgage loan to the date of filing an application for restructuring, and monthly payment on the loan increased by at least 30%. The collateral housing must be the only home of the mortgagor's family. In this case, it is allowed for the aggregate share of his family members in the ownership of no more than one other residential premises in the amount of no more than 50% from April 30, 2015.

This will be facilitated by a special interdepartmental commission, which should be created before September 1, 2017. The composition of the commission and the procedure for its work will be determined by the Russian Ministry of Construction. The commission will have the right to make decisions on providing support to citizens who formally do not meet certain conditions of the program, but are in dire need of it.

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October 13, 2017 Federal news

New rules for the state program to help mortgage borrowers who find themselves in difficult financial situations came into force in Russia on August 22. At the end of July, Russian Prime Minister Dmitry Medvedev signed an order to allocate another 2 billion rubles from reserve fund government as a contribution to the authorized capital of the Housing Mortgage Lending Agency (AHML), and on August 11 - a resolution clarifying the conditions for the implementation of the program.

According to the government, the allocated funds will make it possible to restructure at least 1.3 thousand mortgage housing loans, c-ib.ru reports.

The program itself came into force seven days after the official legal information was published on the website, explained Alexey Nidens, managing director of the Agency for Housing Mortgage Lending (AHML, program operator).

“But borrowers can seek advice and submit an application to banks for participation in the program now - the procedure for working under the program is already well known to most credit institutions" says Niedens.

As AHML clarified, 97 banks that collaborated with AHML previously under the previous version of the program are participating in the program.

AHML official website program for assistance to mortgage borrowers 2017: who can take part in the state program

The collateral housing must be the only home of the mortgagor's family. In this case, it is allowed for the aggregate share of his family members in the ownership of no more than one other residential premises in the amount of no more than 50% from April 30, 2015.

The new stage of the mortgage borrower support program provides for more flexible criteria for providing assistance than in old program, says Deputy Minister of Finance Alexey Moiseev.

This will be facilitated by a special interdepartmental commission, which should be created before September 1, 2017.

Sberbank assistance program for mortgage borrowers

The composition of the commission and the procedure for its work will be determined by the Russian Ministry of Construction. The commission will have the right to make decisions on providing support to citizens who formally do not meet certain conditions of the program, but are in dire need of it.

For example, by decision of the interdepartmental commission, in exceptional cases, the basic amount of assistance from the state can be increased from 1.5 million rubles, but not more than twice.

“Mortgage borrowers who took out loans in both rubles and foreign currency will be able to apply for participation in the program. The amount of the monthly payment for foreign currency loan may increase due to changes exchange rate, and for the loan initially in rubles - for example, due to an increase in the interest rate, if it was not initially fixed for the entire loan term,” AHML explained to TASS.

AHML official website assistance program for mortgage borrowers 2017: Ruble and foreign currency mortgages

The basic amount of assistance from the state will be 30% of the balance of the loan amount, but not more than 1.5 million rubles, in special cases - up to 3 million rubles.

The restructuring of a ruble mortgage will take place at a rate not higher than that in effect on the date of concluding the restructuring agreement.

Borrowers are also exempt from paying penalties under the terms of the loan, but payments already made for penalties are not refundable. They are also prohibited from charging fees for loan restructuring.

If the loan was issued in foreign currency, it must be changed to rubles at a rate not higher than established by the Bank Russia at the time of loan restructuring.

At the same time, the rate on a restructured foreign currency mortgage should not be higher than 11.5%.

To reduce loan obligations, the borrower may be offered one of the types of restructuring: for loans previously issued in foreign currency, it is possible to change the currency to rubles at a rate lower than that established by the Bank of Russia at the time of concluding the restructuring agreement; one-time forgiveness of part of the loan amount.

When concluding a restructuring agreement, the lender does not have the right to charge fees to the borrower for actions related to the restructuring, or to shorten the loan term.

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Reimbursement under the program is carried out within the limits of funds provided for the implementation of the program. Decree of the Government of the Russian Federation dated August 11, 2017 N 961 “On the further implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation” for the purpose of compensating losses (part of them) to creditors (lenders) for housing mortgage loans (loans) sent cash in the amount of 2 billion

State program for assistance to borrowers

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Government assistance for mortgage loan restructuring carried out as part of the implementation of the plan of priority measures to ensure sustainable development economy and social stability in 2015, approved by Decree of the Government of the Russian Federation dated January 27, 2015 No. 98-r, in accordance with Decree of the Government of the Russian Federation dated April 20, 2015 No. 373 “On the main conditions for the implementation of the assistance program for certain categories of mortgage borrowers housing loans (loans) that find themselves in a difficult financial situation, and increasing the authorized capital of the open joint-stock company "Agency for Housing Mortgage Lending".

According to the amendments made by the Government of the Russian Federation dated August 11, 2017 N 961 to the “Basic conditions for the implementation of the program of assistance to certain categories of borrowers for mortgage housing loans (loans) who find themselves in a difficult financial situation” (hereinafter referred to as the Basic Conditions), the concluded loan agreement (agreement loan) on the date of filing the restructuring application must simultaneously meet the following conditions:

The borrower (joint and several debtors) is a citizen of the Russian Federation belonging to one of the following categories:
- citizens who have one or more minor children or are guardians (trustees) of one or more minor children;
- citizens who are disabled or have disabled children;
- citizens who are combat veterans;
- citizens who are dependent on persons under the age of 24 who are students, students (cadets), graduate students, adjuncts, residents, assistant trainees, interns and full-time students;
Change in income of the borrower (joint and several debtors):
- The average monthly total income of the family of the borrower (joint and several debtors), calculated for 3 months preceding the date of filing the application for restructuring, after deducting the amount of the planned monthly payment on the credit (loan), calculated for the date preceding the date of filing the application for restructuring, does not exceed for each member family of the borrower (joint and several debtor) of two times the subsistence minimum established in the constituent entities of the Russian Federation in whose territory the persons whose income was taken into account in the calculation live. In this case, the average monthly total income of the family of the borrower (joint and several debtors) in the calculation period is equal to the sum of the average monthly income of the borrower (joint and several debtors) and members of his family, which for the purposes of this subclause includes the spouse of the borrower (joint and several debtor) and his minor children, in including those under his guardianship or trusteeship, as well as persons specified in paragraph five of subparagraph "a" of paragraph 8 of the Basic Conditions, and the amount of the planned monthly payment on the loan (loan), calculated on the date preceding the date of filing the application for restructuring, did not increase less than 30% compared to the size of the planned monthly payment calculated on the date of conclusion of the credit agreement (loan agreement);
Security for the fulfillment of the borrower's obligations under a credit agreement (loan agreement) is a mortgage of residential premises located on the territory of the Russian Federation, or a pledge of rights of claim arising from an agreement for participation in shared construction, meeting the requirements Federal Law"On participation in shared construction apartment buildings and other real estate and on making changes to some legislative acts Russian Federation".
Residential premises, including residential premises, the right of claim to which arises from an equity participation agreement, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement) in total area does not exceed:
- 45 m2 - for a room with 1 living room;
- 65 m2 - for a room with 2 living rooms;
- 85 m2 - for a room with 3 or more living rooms;
Residential premises owned by the mortgagor are his only housing, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of obligations under a credit agreement (loan agreement). In this case, it is allowed to have a total share of the mortgagor and his family members in the ownership of no more than 1 other residential premises in the amount of no more than 50%. Compliance with these requirements is confirmed by a simple written statement from the borrower. Provision by the borrower of incomplete and (or) unreliable information is grounds for refusal to restructure a housing mortgage loan (loan);
The credit agreement (loan agreement) was concluded at least 12 months before the date the borrower submitted an application for restructuring, except for cases where the mortgage loan (loan) was provided for the purpose of full repayment of debt on a housing mortgage loan (loan) provided no less than 12 months before the date the borrower submits the restructuring application.

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

Restructuring of mortgage housing loans is carried out on an application basis credit institution, which provided the loan and is the mortgagee. The list of documents required to consider the issue of mortgage restructuring is determined by the bank independently.

The restructuring agreement must simultaneously provide for the following conditions:

Changing the currency of the loan (loan) from foreign currency to Russian rubles at a rate not higher than the rate of the corresponding currency established by the Central Bank of the Russian Federation as of the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency);
Setting the lending rate to no higher than 11.5% per annum (for credits (loans) denominated in foreign currency) or not higher than the rate in effect on the date of concluding the restructuring agreement (for credits (loans) denominated in Russian rubles);
Decline monetary obligations the borrower (joint and several debtors) in the amount of no less than the maximum amount of compensation established by the Basic Conditions, due to a one-time forgiveness of part of the loan (loan) amount and (or) changing the currency of the loan (loan) from foreign currency to Russian rubles at a rate lower than the rate of the corresponding currency, established by the Central Bank of the Russian Federation on the date of conclusion of the restructuring agreement (for credits (loans) denominated in foreign currency);
Exemption of the borrower (joint and several debtors) from paying the penalty accrued under the terms of the credit agreement (loan agreement), with the exception of the penalty actually paid by the borrower (joint and several debtors) and (or) collected on the basis of a court decision that has entered into legal force.

The maximum amount of compensation for each restructured mortgage housing loan (loan) is 30% of the balance of the loan amount calculated as of the date of conclusion of the restructuring agreement, but not more than 1,500 thousand.

Assistance program for mortgage borrowers in 2018, changes and extension dated 08/10/2017

rubles, except for the cases provided for in paragraph 7 of the Basic Conditions, according to which, by decision of the interdepartmental commission, the maximum amount of compensation may be increased, but not more than 2 times.

If the borrower does not meet the basic conditions established by the Resolution, it is still necessary to carry out preliminary calculations independently possible options restructuring and submit a written application and supporting documents to the bank. To perform calculations it is convenient to use Mortgage calculator. It may be possible to agree on debt restructuring mechanisms and obtain bank approval, solving the difficult payment situation.

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Almost every citizen perceives a mortgage loan as a string of endless interest and debts that will have to be paid for the rest of their lives.

This is not surprising, because a mortgage is not cheap at all; housing ends up costing many times more than it actually costs. Not every person is able to cover such expenses. Currently, the state provides significant support to people with average, but stable income so that they can acquire their own housing.

Preferential mortgage credit lending came into effect in March 2015. The program provides profitable terms for the citizen, for the bank and for the construction sector.

What it is

Mortgage with state support or preferential mortgage is special program lending, the main purpose of which involves easing the credit burden of citizens at the expense of the Pension Fund.

Government and agency responsible for mortgage housing lending, have developed the following lending programs:

The most popular, of course, is the last option. The bank actually becomes the owner full cost loan, since the difference is paid by the state from funds federal budget. Everyone ends up in a winning situation - the bank, the borrower, and the developer. The result is the development of construction, income generation in banking sector and the acquisition of own housing by a citizen.

It was planned that the concessional loan could be used only until March 30, 2016. At the same time, a preliminary determination was made maximum size subsidies, if spent, it was planned to curtail the project.

But, later, the Minister of Construction of Russia announced information about extension of the program. So the mortgage is on preferential terms is still a very real prospect.

Essence, advantages and disadvantages

A mortgage with state support can only be taken out for new housing: houses built and under construction, as well as townhouses located on the territory of a land plot.

This type of loan is the most in an accessible way solving the housing problem.

Among the main benefits can be distinguished:

reduced rates – from 11%;
maximum a long period– up to 30 years of age (the only limitation is reaching retirement age);
preliminary approval is issued for 3 months, that is, the borrower is given sufficient time to find suitable housing and prepare documents;
reduced down payment;
if a deposit is provided, no contribution is required;
life and health insurance is not always necessary;
There are no bank commissions or hidden interest.

In addition, the preferential borrower can take advantage of additional bonuses:

deferment of the first payment until actual possession takes place;
mortgage involves such a service as credit holidays – minimum payment within 1 year (can be issued no more than once);
you can attract up to 3 co-borrowers, which significantly increases the likelihood of loan approval;

Flaws also exist:

Down payment or deposit. This unpleasant requirement is included in every mortgage program.
Impossibility of consideration secondary market. And purchasing a new building requires choosing an accredited bank, which significantly narrows the choice, especially in small towns.
Limited choice of bank, as not everyone participates in the program.
The reduced interest rate begins only from the moment the house is delivered, therefore, if construction is delayed, then a person may not fit into his budget.

Types and forms of mortgage loans

Among main types mortgages can be distinguished:

Conditions of receipt

You can get a mortgage with government support from Sberbank, Gazprombank, Bank of Moscow, VTB-24, Rosselkhozbank, Promsvyazbank, etc.

Any bank adheres to approximately the same conditions issuing such a mortgage:

As an additional “bonus” we can name home insurance, as well as an assessment of the life, health and safety of the borrower.

Design social mortgage necessary in local authorities, having previously collected a certain package of documents:

a certificate stating that the family needs to improve their living conditions;
a copy of the passport of each family member;
Marriage certificate;
birth certificate of each child;
families (total income should allow 45% to be allocated to pay the mortgage loan);

Requirements for the borrower

There may be different requirements for issuing mortgages with government support in regions of the country.

TO standard include the following:

The exact list of necessary documents and requirements can be found in local government in the region of residence.

Applying for this type of mortgage loan takes 2 times longer than a regular program. The bank reviews the submitted package of documents within 5 to 7 days. If the result is a positive answer, then you can begin to prepare the remaining papers related to the purchased property.

List of banks and their conditions

Sberbank provides citizens with the opportunity to obtain a mortgage from the state. support at 12% per annum. The rate remains unchanged throughout the loan term. Minimum size loan - 300 thousand rubles, and the maximum depends on the region, so in St. Petersburg the amount should not exceed 8 million rubles, and in Moscow - 3 million rubles. The minimum contribution is at least 20% of the cost of the purchased property.

In addition, there are age restrictions: the borrower must be at least 21 years old and not more than 55 years old if we're talking about about a woman and 60 years old if the creditor is a man.

Issuing, processing and making each next payment is carried out without commission. Only finished objects and those under construction are credited. In this case, the completion date construction work not limited by the bank.

Everyone except clients must confirm their income. wage which comes to a card issued by Sberbank. If a young family does not have sufficient income to pay the monthly payment, then you can attract up to 3 borrowers (the loan should not “take away” more than 45% of the total income).

It takes 5 days to review the application, and the period during which the approval is valid is 2 months.

Insurance is a mandatory requirement collateral property and the life of the borrower. If the client refuses to conclude or renew the insurance contract, the bank automatically increases the interest rate by 1%.

It has more favorable conditions "VTB 24". The basic rate is 12% for any client who can confirm their income. Maximum term, for which a mortgage loan is provided – 30 years.

Only two documents may be sufficient for registration. If providing official certificate is not possible, the bank will make a decision based on a copy of the passport and any other identification document. But, the own contribution must be increased to 40%, the loan term is limited to 20 years, and the rate is 11.9%.

The bank's preliminary decision is valid for 4 months.

IN Rosselkhozbank You can get a mortgage with a fixed interest rate for the entire period - 11.9%. Regular payments are issued and accepted without commissions.

The maximum age of the borrower at the end of the contract is 65 years, regardless of gender. Mandatory requirements include the following: proof of income, insurance of your own life and home. Refusal may result in a rate increase of 7%. Pre-approval is valid for 90 days.

Gazprombank is ready to provide mortgages with government support to clients over 20 years of age. The maximum threshold is the same: 55 for women and 60 for men.

The interest rate is 11.35%. A mandatory requirement is insurance of collateral property. In case of refusal to take out a policy, there is an increase total percentage by 0.4%.