The system of housing for military personnel. Conditions for the provision of a military mortgage

Buying your own home is an important issue for a soldier. It becomes even more relevant after marriage and childbirth. The government is trying to provide housing for military personnel, now the purchase of an apartment is possible on credit using the developed state program- military mortgage. It has existed for over ten years and with its help many have managed to become property owners.

What is military mortgage

The program is intended to replace the distribution of apartments by turns with the opportunity to buy real estate on credit under a targeted housing loan (TLC). The created mortgage for military personnel is a tool for obtaining residential real estate within the framework of the state program for providing affordable housing and is designed to minimize financial burden for a soldier when buying a home.

Military mortgage - terms of provision

The legislation provides for the repayment of the entire amount or a significant part of the debt obligations of a soldier for the acquired property at the expense of public funds. The provision of a military mortgage is due to participants in the accumulative mortgage system. The conditions for issuing credit funds may differ in banks with the size of the interest rate, down payment, but the common ones are:

• loans are issued from the age of 21;
• the maximum amount of borrowed funds is 2,200,000 rubles;
• loan term - from three to twenty years or until the borrower is 45 years old.

Who is eligible for a military mortgage

Servicemen can use the program after writing a report and submitting it to the unit commander. Enrollment in the register of participants occurs ten days after the receipt of the report by the Federal State Institution Rosvoenipoteku. Who is entitled to a military mortgage? The program came into effect on January 1, 2015, so all calculations start from this date. The basis for inclusion in the register is military service under contract. The following can be included in the register:

• university graduates who graduated after accepting the program, but entered into a contract before admission to study;
• officers who entered into a contract after the law was passed;
• warrant officers and warrant officers who have served under a contract for at least three years after the entry into force of the program;
• soldiers, sailors, sergeants and foremen, who, after the start of the program, entered into a second contract.

Military mortgage, if there is housing in the property

Previously, if there was residential real estate, it was impossible for a soldier to get an apartment for distribution, according to the queue. The essence of the military mortgage lies in the fact that the purchase of residential real estate under mortgage lending is due to all program participants, regardless of whether they have already purchased housing for their own money or received it as an inheritance.

Changes in military mortgages in 2017

V this year new innovations have come into force that simplify the purchase real estate military personnel. What is the Federal Law on military mortgages with latest changes? There are three main areas of improvement:

• the indexation of the annual accumulative contribution will be carried out, its size will increase to 260 thousand rubles.
• military spouses will be able to use the total amount of savings for a mortgage loan in order to purchase one property;
• when paying additional funds at the time of dismissal, they will not take into account the presence of their own real estate.

How to get a military mortgage

The opportunity to purchase residential real estate under the program is provided depending on the rank after 6 years or three years (for officers) after the conclusion of a contract for service in the armed forces. Obtaining a mortgage by military personnel can be divided into three stages:

• 3 years before the right to join the system;
• 3 years before the funds can be used;
• registration of a transaction for the purchase and lending of real estate.

Participation in NIS

The basis of the created state program, the instrument of mortgage lending, is the accumulative mortgage system housing military personnel. After the participant is included in the register, a personal account is opened for him, to which the approved amount is credited annually. The source of account replenishment is funds federal budget... The amount of enrollment does not depend on the military rank and region of service.

The replenishment amount is periodically indexed: the increase in the annual contribution is influenced by the change in the cost of housing and the rate of inflation. Prior to transfer to the reserve, a significant amount is accumulated in the participant's account for which you can purchase nice apartment... The controlling and executive body of the system is FGKU Rosvoenipoteka, which is part of the RF Ministry of Defense. On the official website of the structure, a participant can register and receive information about the state of the account.

Choice of housing

The legislation does not provide for linking the choice of real estate to a separate region, housing under a mortgage must be located in Russia. Take mortgage it is possible for:

• buying a finished home;
• purchase of apartments from developers in new buildings under the equity participation system;
• for the construction of an individual residential building.

Program participants need to calculate their financial opportunities, because the funds accumulated with the help of the system are quite enough to buy an apartment. In Moscow and the region, in St. Petersburg, the cost of real estate is high, so those who decide to buy an apartment in these cities will need to make additional funds of their own.

Calculation of military mortgage

The participant receives the right to use the savings after being registered for three years. The amount accumulated by this time is, as a rule, sufficient to make the initial payment. An online military mortgage calculator will help a potential borrower figure out the amount of savings, down payment, monthly payments.

To get an approximate calculation housing loan you must enter the date of registration of the program participant, the cost of the desired housing. The system itself will calculate the amount of accumulated funds, down payment, monthly payments and, if there is not enough funds on a personal registered account, it will indicate the amount of its own money required for depositing.

Which bank gives a military mortgage

Borrowers have the right to choose a financial institution for obtaining a home loan after comparing the terms of the loan. All military mortgage banks offer home loans for preferential terms, at low interest rates. These include:

• Svyaz Bank;
• Sberbank of Russia;
• VTB 24;
• Gazprombank;
• Mortgage agency housing lending;
• Opening.

Registration of a military mortgage

After registration, after three years, the participant can use the funds from a personal account. The registration of a mortgage for a serviceman of the Armed Forces of the Russian Federation continues with the issuance of a Certificate of the right to receive a targeted housing loan. To do this, the soldier needs to write a report again and hand it over to the leadership of the military unit.

Mortgage documents

After deciding to use the accumulated funds, a citizen needs to study the conditions of banks that give loans under the program, and choose the best option for himself. The borrower needs to contact the financial institution for a preliminary decision - to issue a home loan. What documents do you need for a military mortgage to get a certificate? A soldier must, in addition to a report, submit a package of documents to Rosvoenipoteka:

• copies of all pages of the passport;
• a copy of the loan agreement;
• a copy of the agreement for opening an account.

Tracking a package of documents on the Rosvoenipoteka website

The process of consideration of documents by the structure of the Ministry of Defense takes up to three months. The service of the official website of Rosvoenipoteka provides an opportunity for participants to track the stages of document promotion when they:

• received;
• on legal expertise;
• submitted for signature;
• sent.

After sending, you can receive information about the location of documents on the official website of the courier service using the invoice number. The sent certificate is received by the bank, it indicates the amount that has been accumulated, the amount of monthly deductions and the maximum crediting period. After receiving the certificate credit institution a mortgage for the military can be obtained.

Buying an apartment with a military mortgage

The next stage in order to buy an apartment on a military mortgage is the collection of documents for the acquired property. The borrower needs to carry out an appraisal of the property with the help of an independent expert. The conclusion of the property insurance contract, the purchase and sale of housing and lending takes place simultaneously. After this stage, the registration of ownership takes place.

Who pays the military mortgage

The available balance of the participant's personal account is credited to the down payment after signing the mortgage agreement and transferring the documents to Rosvoenipoteka. Monthly payments on a military mortgage, the bank is transferred to repay the loan and accrued interest by Rosvoenipoteka in the amount of 1/12 of the amount of annual accumulation receipts. Often, to pay off debt, a soldier does not need to contribute his own funds, all his loan expenses consist of:

• payment for an expert assessment of the object;
• insurance cost;
• payment for notary services.

Military mortgage upon dismissal

The created mortgage for military personnel under the contract is designed for long term military service. Its main goal is to provide housing for program participants. A mortgage upon dismissal of a serviceman after twenty years of service involves the payment of the full amount of funds accumulated in the personal account of the participant, if he did not use their advance to buy real estate. The balance is payable to the member or used to pay off his mortgage debt if he is dismissed after ten years of service due to deteriorating health.

Of my own free will

Serious financial implications arise for a serviceman from a program participant if, before the expiration of 20 years of service, a breach of contract occurs or a decision is made to leave the Armed Forces. Military mortgage upon dismissal at its own request, it is repaid independently, and the used funds of the accumulation system are subject to return to the Ministry of Defense.

For health

A military mortgage upon dismissal for health reasons provides for two consequences:

1. Deterioration of health after ten years of service. The participant is entitled to compensation payments equal to the amount of accumulation for a full twenty years. With their help, the borrower can pay off the balance of the mortgage loan.
2. Deterioration of health before reaching ten years of service. In this case, the participant is forced to independently repay the debt and return to the state within ten years the funds used by the IDC.

On OShM

Mortgages upon dismissal under OSHM will have various consequences for program participants. Dismissal in this case is also considered as a reason independent of the employee, therefore:

1. Those who have served for more than ten years do not bear financial commitments to the state, but the remaining mortgage debt is obliged to pay off independently.
2. With a service life of less than ten years, the participant mortgage program must pay off the balance of the mortgage loan and return the used amount of savings to the Department of Defense over ten years.

Pros and cons of military mortgage

The program has the following advantages:

1. You can get a residential property at the beginning of the service for public funds without investing your savings, even if you have your own home.
2. You still have the right to receive service housing when you move, if you have your own.

Mortgages for military personnel have disadvantages:

1. The need to return funds to the state and pay off the loan debt on their own upon dismissal without good reason or before reaching 10 years of service.
2. A complicated mechanism for the sale of purchased real estate, because it is pledged by Rosvoenipoteka and the bank. You can remove the encumbrance after the debt has been closed.

Video: buying an apartment for a military man on a mortgage

More and more servicemen are becoming participants in the Savings and Mortgage System, which, according to the plans of the RF Ministry of Defense, will completely replace other housing options in a few years. the site figured out what risks and pitfalls the military can face when buying real estate under the military mortgage program.

Affordable Mortgage Housing - On Paper

The actual amount available for the purchase of housing on a military mortgage consists of several points: the funded part, which is annually transferred to the account of a participant in the accumulative mortgage system; military mortgage provided by the bank; a soldier's own money.

To use the funds accumulated on the account, you must issue a certificate of eligibility for a targeted housing loan. This can be done already three years after the inclusion of a serviceman in the NIS program. However, quite a few savings will accumulate on the military's mortgage account during this period. For example, the size of the accumulative contribution in 2016, as well as last year, is 245.88 thousand rubles.

The maximum loan amount provided by the bank under the program is 2.3 million rubles. Although in most cases, according to the agency's interlocutors, the bank approves of a smaller amount at all.

The money received in total will be enough to buy a one-room economy-class apartment in a new building in St. Petersburg or in the vicinity of Moscow. To buy a more interesting apartment, you will have to wait and try to save more yourself.

Take what they give

To obtain accreditation, the readiness of objects primary market should be above 70%, and the sale of residential premises should go according to the DDU. With housing on the secondary market, everything is no less difficult: the house should not be emergency and have wooden floors, and the apartment itself should not have uncoordinated redevelopments.

By the way, all construction projects in Russia available for purchase on a military mortgage are listed on the website.

The certificate is valid for a limited period

After the expiration of the validity period, the document will have to be drawn up again, which may take several more months. To issue a certificate of the right to receive a targeted housing loan (CHL), a serviceman participating in the NIS must submit a report to the commander of the military unit. After that, the military's data will be transferred to the RUZHO, from there to the Department of Housing of the Ministry of Defense, and only after that to the Federal State Institution "Rosvoenipoteka", where the certificate itself is drawn up.

If changes are made to the document, the process can be delayed even further. So one of the interlocutors, the site, due to a change in personal data and the need to amend the document, was waiting for a new certificate for about six months.

Have you chosen housing on the secondary market? Get ready to pay

"About 112 thousand were spent purely for registration, that is, only for documents ..

Rosvoenipoteka explained to the agency that all of the above agreements can be filled out absolutely free of charge on your own. "The contract of the IDC is filled in independently. It is downloaded from the Rosvoenipoteka website and you don't have to pay any money for it," the structure stressed.

Payment of the insurance premium is the duty of a citizen of the Russian Federation

Regardless of the cost of paperwork, the NIS participant will have to pay the insurance premium out of pocket. And this, no less, an average of 5,000 rubles per year.

The amount of savings does not depend on the size of the family

Registration of documents in the bank can take more than one month

The total duration of the approval and registration of all required documents in the bank can be up to 2 - 4 months.

Indexation of annual charges to an NIS participant

Rosvoenipotek stressed that such a situation could not arise. Payments are carried out in accordance with the schedule approved when applying for a loan. "The amount paid by the state is approved annually by the Law on the federal budget. The state pays 1/12 of this amount every month. The bank calculates the payment based on the amount set in the budget," the source said.

An apartment is easy to lose

Perhaps the most important risk when buying a home under the military mortgage program is the fact that a soldier can easily lose his apartment upon early dismissal from service, even if the dismissal happened for reasons beyond his control (for example, in connection with the disbandment of a unit).

Otherwise, both the bank and Rosvoenipoteka will demand money in judicial procedure, and in case of impossibility of the military to pay off the debt, they will take away the housing that is in double pledge. If, when buying an apartment, a serviceman contributed his own funds, when early termination no one will return them to the contract.

If the length of service of a soldier is more than 10, but less than 20 years, then the used accumulative funds remain with the serviceman, however, the NIS participant pays the rest of the loan on his own.

If a soldier with more than 10 years of service is dismissed on preferential grounds, then he has no financial obligations to the bank - the state will repay the mortgage. “Respectable” reasons for dismissal can be the reduction of the military unit, health problems or reaching the age limit of 45 years.

Upon dismissal with a length of service for more than 20 years, the funds of the CHZ are not refundable. True, there is one nuance here, which one of the agency's interlocutors drew attention to: if at the time of registration of a military mortgage until retirement, a soldier was only 10 years old (before reaching 20 years of service), and the mortgage is designed for 12 years, then payments from the budget was fully covered by the mortgage, for another two years the military will have to serve over the term.

If a military man with 20 years of service has not used the funds of the NIS, he gets the right to use personal savings at his own discretion.

Additional documents from the spouse

This is due to the fact that during a divorce, the ex-wife of a military man often succeeds in securing the division of an apartment purchased under a military mortgage. Although the official website of Rosvoenipoteka emphasizes that by common property spouses do not include payments that have a special purpose, or housing purchased at the expense of these payments, the court often has such claims.

Thus, if the NIS participant does not fulfill the conditions of the program, his spouse will not be able to qualify for mortgaged property, that is, for the purchased apartment.

Housing for servicemen of the Armed Forces Russian Federation... Accumulative mortgage system of housing provision for military personnel

Provision of housing for servicemen and their families at the present stage development of military organization Russian society take on special significance. On the one hand, this is caused by the optimization of the structure of the Armed Forces, on the other hand, by the improvement of the system of comprehensive provision of servicemen with everything necessary to fulfill the duties assigned to them.

Housing for servicemen of the Armed Forces of the Russian Federation

One of the most difficult social problems in the Armed Forces of the Russian Federation is the provision of housing for servicemen and their families. Currently, 122.4 thousand servicemen and members of their families still need permanent or service housing.

Housing certificates, like the mortgage-accumulative system of housing provision, are not able to completely solve the problem. The price per square meter of housing included in these documents is much lower than it market value, which does not provide the absolute majority of military personnel with the opportunity to improve their living conditions.

President of the Russian Federation Dmitry Medvedev, being in military exercises in the Barents Sea in October last year, said: “If this is a housing certificate, then it must be a real housing certificate that allows you to buy an apartment in the place where it is needed. So the housing certificate must cover 100 percent of the cost, and we will proceed from this. Because it’s better to make this program a little slower, but to make it more realistic, otherwise what is the point of giving these certificates ”.

In April 2008, the Ministry of Defense of the Russian Federation approved the Strategy social development Of the Armed Forces of the Russian Federation for the period up to 2020. In accordance with it, the Strategic Plan "Improvement housing conditions military personnel
Forces of the Russian Federation and members of their families for the period up to 2020 ", the main objectives of which are:

1) the provision of permanent housing to servicemen who signed a contract before January 1, 1998;

2) the creation in 2012 of a service fund for staffing military units and formations;

3) ensuring the functioning of the accumulative mortgage system of housing provision for military personnel.

To solve the assigned tasks, the Ministry of Defense of the Russian Federation in 2008-2010 within the framework of the State defense order plans to receive 67 thousand apartments. In addition, work is currently underway to place government orders for the acquisition and share in the construction of housing at the expense of funds received as a result of the sale of the released real estate.

The general procedure for housing provision for servicemen is regulated by Article 15 of the Federal Law of the Russian Federation "On the Status of Servicemen". Based on this legislative act the state guarantees the provision of living quarters to servicemen and members of their families. The procedure for providing housing is regulated by order of the Minister of Defense of the Russian Federation No. 80 of February 15, 2000 "On the procedure for providing residential premises in the Armed Forces of the Russian Federation."

The Housing Code of the Russian Federation (Housing Code of the Russian Federation), entered into force on March 1, 2005, subdivides the state housing stock, depending on the purpose of use, for the housing stock for social use and specialized housing stock. Provision to servicemen and members of their families living with them living quarters of housing stock for social use (under contracts social recruitment) is carried out in accordance with Articles 51 and 57 of the LC RF. The grounds for providing citizens with residential premises under social rental contracts are determined based on the level of their provision with housing. The total total area of ​​all residential premises occupied by military personnel (or) members of their families under social employment contracts and (or) owned by them by right of ownership is taken into account both when registering those in need of housing improvement, and when determining the size of the living space provided under a social employment contract.

Residential premises of specialized housing stock are provided to servicemen and members of their families living with them, who are not provided with living quarters in the corresponding settlement, in accordance with the norms provided for by federal laws and other regulatory legal acts Russian Federation.

In the absence of service housing, military units rent living quarters or, at the request of servicemen, pay them monthly monetary compensation for the lease (sublease) of residential premises in the manner and amount determined by the Government of the Russian Federation.

In accordance with the Decree of the Government of the Russian Federation No. 909 of December 31, 2004 "On the procedure for payment monetary compensation for the lease (sub-lease) of residential premises to servicemen - citizens of the Russian Federation doing military service under a contract, citizens of the Russian Federation dismissed from military service, and members of their families "(with subsequent amendments and additions) it is established that monetary compensation is paid in an amount not exceeding:

In the cities of Moscow and St. Petersburg - 15,000 rubles;

In other cities and regional centers - 3600 rubles;

In other settlements -2700 rubles.

The indicated amounts of monetary compensation are increased by 50% if three or more family members live with a soldier or a citizen dismissed from military service.

In accordance with paragraph 8 of Art. 15 of the Federal Law of the Russian Federation "On the Status of Servicemen" upon receipt of a living quarters, the following servicemen are entitled to an additional total area of ​​living quarters ranging in size from 15 to 25 square meters:

Officers in the military ranks of colonel, equal to him or above, who are in military service or who are dismissed from military service upon reaching the age limit for staying on military service, state of health or in connection with organizational and staff activities;

Commanders of military units;

Servicemen with honorary titles of the Russian Federation;

Servicemen - teachers of military educational institutions of professional education, military departments at state educational institutions of higher professional education;

Military personnel are scientific workers with academic degrees or academic titles.

According to Art. 23 of the Federal Law "On the Status of Servicemen", military personnel whose total duration of military service is 10 years or more, who need to improve their living conditions according to the standards established by federal laws and other regulatory legal acts of the Russian Federation, cannot be dismissed from military service without their consent. when they reach the age limit for military service, health status or in connection with organizational and staff activities without providing them with living quarters.

A serviceman whose total duration of service is 10 years or more, subject to dismissal from military service upon reaching the age limit for military service, state of health or in connection with organizational and staff activities in the last year of military service of the Ministry of Defense (by another federal executive body, in which the federal law provides for military service), at his request, a state housing certificate is issued for the acquisition of housing in the place of residence chosen after dismissal from military service in the manner determined by the Government of the Russian Federation.

When providing accommodation for disabled people, recommendations are taken into account individual program rehabilitation of a person, his state of health, as well as other circumstances (number of storeys, approach to a medical institution, place of residence of relatives, friends, etc.).

Since 2004, the problem of providing housing for military personnel has been solved within the framework of the subprogram "State housing certificates for 2004-2010." It is part of the federal target program "Housing" for 2002 - 2010 "and was approved by the Decree of the Government of the Russian Federation No. 700 of November 20, 2003.

The rules for issuing and redeeming state housing certificates as part of the implementation of the subprogram were approved by Decree of the Government of the Russian Federation No. 522 dated October 7, 2004. It is considered one of the most effective mechanisms for solving the housing problem.

The account manager (participant of the GZhS subprogram) has the right to purchase residential premises in the primary or secondary housing market on the territory of the constituent entity of the Russian Federation specified in the certificate from any individuals and legal entities (one or more).

In the coming years, the Ministry of Defense of the Russian Federation envisages solving the housing problem of servicemen in the following main areas:

Providing housing for servicemen without apartments and their family members who signed a contract before January 1, 1998. The existing obligations to them will be extinguished within the framework of the current legislation by providing housing for permanent residence... Servicemen who entered military service after January 1, 1998 are provided with office living quarters for the entire period of military service in accordance with the norms established by federal laws and other regulatory legal acts of the Russian Federation;

Residential fund formation office space for the staffing of military units and formations. Service housing will be provided here only for the period of military service;

Creation of an effective market mechanism that would allow servicemen to exercise their rights to receive housing at the end of their service.

At the same time, it is planned to use modern and effective approaches, including:

Rendering state support military personnel to purchase housing with the help of mortgage loans;

Creation of conditions for attracting investors in order to form housing stock outside military camps and accommodate military personnel on a lease or hire basis;

Improving the management efficiency of the available housing stock.

By 2015, it is planned to create a service housing stock in the amount of 334 thousand apartments, which, taking into account the existing ones, will amount to 480 thousand for the planned staffing of the RF Armed Forces.

The main sources for the formation of the service housing fund are:

Construction and acquisition of it according to the own plan of the Ministry of Defense of the Russian Federation, first of all, in closed military camps;

Optimization of the existing service housing stock, as well as obtaining housing through the implementation of investment projects;

Formation of a rental housing fund to accommodate military personnel in large cities and administrative centers.

First of all, the formation of service housing is envisaged in the points of deployment of military units and formations of constant combat readiness.

In the future, this fund will be created in other military units, which are subject to transfer to the contract manning method.

Along with additional measures to increase appropriations allocated to finance housing construction, a transition to a cumulative system of providing housing for military personnel will be carried out.

Due to the fact that the previously existing system of housing for military personnel came into a certain conflict with economic opportunities state, the Ministry of Defense of the Russian Federation has chosen other ways to solve this problem.

At the expense of all sources of financing in 2009 it is planned to purchase 32 thousand apartments to provide housing for military personnel and their families, of which about 22 thousand apartments for permanent residence and 10 thousand service apartments.

In this regard, the former Deputy Minister of Defense of the Russian Federation for financial and economic work, Lyubov Kudelina, stated in March 2009 that “housing provision, construction and repair of military and social infrastructure facilities is priority area allocation of funds in the 2009 budget, and for these purposes, allocations in the amount of 81 billion rubles are envisaged. Housing costs will not be reduced under any circumstances. "

Accumulative mortgage system of housing provision for military personnel

On January 1, 2005, the accumulative mortgage system of housing security began to operate.

The accumulative mortgage system was not a replacement, but a supplement to the existing programs for providing housing for military personnel.

Legal basis new system determined by Federal Law No. 117-FZ of August 20, 2004 "On the accumulative mortgage system of housing provision for military personnel."

Currently, more than 70 thousand servicemen are included in the register of participants in the accumulation and mortgage system. Personal savings accounts are opened on them.

The main tasks of the savings and mortgage system for providing servicemen with housing are:

1. Transfer of the obligations of the state to military personnel in the housing sector from natural form(provision of an apartment) in cash, which will expand the capabilities of military personnel to independently make decisions on the choice of place of residence, the quality and size of the acquired housing;

2. The possibility of acquiring home ownership after three years of participation in the mortgage-savings system at the expense of mortgages;

3. Transition from providing servicemen at the expense of the state separate apartments to accumulate Money to acquire ownership of housing at the chosen place of residence;

4. Stabilization and consolidation of military personnel, especially officers, on the basis of encouraging servicemen to continue military service.

The solution to these tasks is based on the following principles:

The basis for the inclusion of a soldier in the register of participants is a written request prepared by him with a request to do so;

Annual transfer of funds to personal savings accounts of military personnel for the purchase of housing; the volume of annual charges will be equivalent to approximately 3 sq. meters of living space. At the same time, it will be focused (indexed for inflation) on the accumulation of funds sufficient to purchase an apartment after 20 years of service. with total area 54 sq. meters;

The accumulated funds, at the request of the soldier, can be used after three years after his inclusion in the accumulative mortgage system for the acquisition of home ownership using a targeted housing loan (mortgage loan). The loan is provided by the bank secured by the purchased housing. At the same time, the process of accumulating funds continues, gradually repaying the received mortgage loan. If the serviceman continues to serve even after the loan is repaid, then at the expense of the newly accumulated funds, he can increase the comfort and size of the acquired housing;

If a soldier leaves before reaching 10 years of service, then he loses the right to receive the accumulated funds. In the period between 10 and 20 years of service, in the event of dismissal for a good reason (organizational and staff activities; health status, etc.), he has the right to receive the accumulated funds to resolve the housing issue on his own.

It is supposed to accumulate funds according to the following scheme. On the basis of the Federal Law “On the Savings and Mortgage System of Housing for Servicemen”, annually, the federal budget provides for appropriations intended to be credited to the personal savings accounts of the participants in the system.

These funds are administered by the federal executive authorities, in which the law provides for military service. At their request budget resources transferred to a separate account of a specially created authorized federal body for managing the system.

To ensure the functioning of the system, the Federal government agency"Federal Administration of the Savings and Mortgage System of Housing for Servicemen". It deals with the accounting of funds transferred from the budget to the personal savings accounts of military personnel, transferring them to trust management so that the money entering these accounts at least retains its purchasing power. Also Federal Administration was entrusted with the task of providing military personnel with funds in the form of targeted housing loans for the purchase of housing, including with the help of a mortgage loan.

On behalf of a soldier, they can be sent to pay for the housing he buys or the initial payment on a mortgage loan.

The accumulative mortgage system gives him the opportunity to choose between accumulating for the entire period of service and acquiring housing during the service with the help of a mortgage loan.

Participants in the savings and mortgage system are:

Military graduates educational institutions professional education and received in this connection the first military rank of an officer after January 1, 2005;

Officers called up for military service from the reserve or enrolled in voluntarily for military service from the reserve and who entered into the first contract for military service after January 1, 2005;

Warrant officers and warrant officers upon reaching three years of total duration * ") contract military service, subject to the conclusion of the first military service contract no earlier than January 1, 2002;

Sergeants and foremen, soldiers and sailors who entered into a second contract for military service no earlier than January 1, 2005, who expressed a desire to become participants in the savings and mortgage system.

At the same time, a soldier will be interested in serving as long as possible, since the amount of funds transferred by the state is directly proportional to the length of service. In case of early termination of the contract on the initiative of the serviceman, he will be obliged to repay the amount of the mortgage loan at the expense of personal funds and at the same time will have to return the funds transferred from the budget to his personal account to the state.

In addition, the mortgage allows you to remove the risk of depreciation of the accumulated funds over the entire period of service. The use of mortgages allows you to fix the price and area of ​​housing and to avoid the growth of savings lagging behind the growth in housing prices. This is especially true today for large administrative centers that do not have a fund of office premises. Subsequently, the housing acquired through a mortgage loan will remain with the serviceman, and if he is transferred to a new duty station, he will retain the right to receive service housing.

The initial payment for the purchase of housing will be financed from the savings in the first years (at least 3 years) on the personal account of the serviceman. He uses further annual contributions from the state for payments on the mortgage loan. A soldier can take a mortgage loan from a bank at any time to buy an apartment if he has personal savings in the amount of 30% of the cost of the apartment for the down payment.

If personal savings are involved, at the request of the serviceman, you can either bring the purchase period closer or increase the area of ​​the housing being purchased.

Thus, the advantage of the savings and mortgage system in comparison with current procedure consists in the targeted targeted use of funds allocated to solving the housing problem, and in establishing the dependence of the quality of acquired housing on the duration of military service.

Only a comprehensive approach to solving the housing issue for the implementation of the existing obligations of the state to provide permanent housing for dismissed servicemen, the formation of a fund of service housing for servicemen continuing to serve, and the transition to a savings and mortgage housing system will contribute to the creation of the Armed Forces that meet the requirements of the 21st century.

In the introductory remarks, it is necessary to indicate the relevance of the topic being studied. Considering that almost all listeners are interested in it, the leader of the social and state training group needs to be creative in the study of the material. It is advisable to structure the lesson in such a way as to tell the audience about the current situation with the provision of military personnel with living quarters in the garrison (district and subject of the Russian Federation) in which they undergo military service.

Expanding the first question of the lecture, it is necessary to draw the attention of the audience to the fact that the military personnel subject to the provision of living quarters are divided into those who signed a contract before January 1, 1998, and those who signed it after that date. It is important to clarify to the audience what is the difference between these categories.

If possible, invite to the lesson representatives of the housing commission of the military unit and specialists who are involved in housing provision for military personnel in the unit (including the organization of the savings and mortgage system).

In conclusion, it should be noted that housing provision for servicemen is of particular importance in matters of ensuring the combat capability and combat readiness of the Armed Forces. Summarize the lesson and draw brief conclusions.

2. Federal Law No. 117-FZ of August 20, 2004 "On the accumulative mortgage system of housing provision for military personnel."

3. Decree of the Government of the Russian Federation of October 7, 2004 No. 522 "On some issues related to the implementation of the subprogram" State housing certificates "for 2004 - 2010, which is part of the federal target program" Housing "for 2002 - 2010".

4. Decree of the Government of the Russian Federation of December 31, 2004 No. 909 "On the procedure for payment of monetary compensation for the lease (sub-lease) of residential premises to military personnel - citizens of the Russian Federation doing military service under a contract, citizens of the Russian Federation dismissed from military service, and members of their families" (with subsequent changes and additions).

5. Order of the Minister of Defense of the Russian Federation No. 80 of February 15, 2000 "On the procedure for providing living quarters in the RF Armed Forces".

6. Gordievsky A. Housing provision of military personnel of the Armed Forces of the Russian Federation // Landmark. - 2006. - No. 3.

Lecturer at the Military University of the Ministry of Defense of the Russian Federation., Colonel
Igor Gladkikh
Scientific editor of the magazine "Landmark", Aram Khachatryan

Hello! Today we will talk in more detail about the accumulative mortgage system of housing for military personnel, how the accumulative mortgage helps military personnel to exercise their right to housing from the state.

The accumulative mortgage system for servicemen was created with one main goal - to help servicemen and their families acquire comfortable housing with mortgages on favorable terms. Let us examine in more detail the specifics of the implementation of the state program with the participation of NIS.

On behalf of the President of the Russian Federation, with the aim of realizing the rights to their own housing with the help of mortgages for military personnel, in 2005 the accumulative mortgage system (NIS) was developed and began to operate. For this, the Federal State Institution "Rosvoenipoteka" was created, the main functions of which are:

• placement on the official website of all necessary information for the population;
• execution of documents and certificates;
• maintaining the register of participants;
• accounting of all savings in accounts;
• implementation of measures aimed at receiving money for servicemen;
• other functions provided by law.

The entire functioning of the savings and mortgage system is regulated by the following regulatory legal acts:

1. Federal Law No. 117 "On the NIS of housing provision for military personnel" dated 20.08.2004.
2. Civil Code of the Russian Federation.
3. Housing Code of the Russian Federation.
4. Resolution of the Government of Russia No. 655 of November 7, 2005 "On the procedure for the functioning of the NIS for housing provision for military personnel."

The main of them, of course, is 117-FZ, which establishes the responsibilities, rights of the parties involved, especially the targeted spending of funds and other restrictions and opportunities.

The essence of the NIS consists in monthly subsidies from the federal budget to the personal accounts of military personnel participating in the system from the very moment of registration / receipt of a confirmation certificate. The balance of funds on each account is determined by the total term of participation and the established amount of the contribution.

You can use the money accumulated on the account only after 3 years from the date of its opening to pay the down payment on the mortgage or to pay off part of the current debt under the loan agreement.

The military mortgage allows NIS participants to buy an apartment or a separate house in both the primary and secondary real estate markets. Acquisition land plot for the purpose of further construction under this program is not allowed.

How to register with NIS

In order to become a member of the NIS, a serviceman must comply with the categories of military personnel established by 117-FZ who are eligible for a military mortgage. These categories include:

• servicemen with an officer's rank who signed their first contract for service in the RF Armed Forces after 2005;
• warrant officers, warrant officers and foremen with a contract duration of more than 3 years;
• soldiers, sailors, sergeants with a second contract concluded after the start of the state program.

The registration procedure at NIS is carried out in two ways:

• automatically (the register and lists of military personnel are formed even in educational institutions and when concluding a service contract without the participation of the military himself);
• with the help of an application (servicemen who do not fall under the requirements of federal legislation can, on their own initiative, submit a report to their immediate superiors with a request to become a member of the NIS and subsequently receive a preferential mortgage).

In case of a positive outcome of the case, the applicant will be included in the register and receive a supporting certificate. After that, Rosvoenipoteka will assign the military a unique an identification number(registration number of the participant of the savings and mortgage system) and will open a registered savings account, to which the state funds will then be credited.

How does it work Personal Area the participant of the NIS institution FGKU Rosvoenipoteka is discussed in detail in the next post.

Participation in NIS and use of savings

The legislation establishes the amount of the NIS contribution annually, which will be transferred to the soldier to his personal account. The transfer is carried out by dividing this amount into equal 12 parts - that is, for each calendar month. In 2017, the value of the contribution of the accumulative mortgage system is 260 thousand rubles. This amount is subject to annual indexation and adjustment for inflation, but since 2016 it has remained unchanged. This is due to unfavorable economic situation in the country.

After three years of participation in NIS, when the account already has a sufficient amount, the soldier will be able to use these funds to obtain a targeted housing loan under the preferential program "Military Mortgage". In a generalized form, the process of implementing the NIS program is as follows:

1. Choice of housing

Since 2016, a soldier has been given the right to independently choose the acquired property, including the area of ​​the city or town, house, number of storeys, layout and area. But naturally, there are a lot of restrictions imposed by both Rosvoenipoteka and banks. Accommodation must be included in the list of accredited data structural divisions objects (you can find out more specifically on the websites or in person) and meet the established requirements. These requirements include acceptable level deterioration of the building (for secondary market), the presence of the necessary communications, compliance with all social and sanitary standards on Housing Code RF, etc. Buy dilapidated housing subject to demolition or reconstruction, as well as apartments with illegal redevelopment will not work. Nobody will give such permission.

1. Study of offers in banks

NIS participants will be able to receive mortgage loan only in certain partner banks. Currently, 13 major Russian banks are implementing such programs, including Sberbank of Russia, Gazprombank, Rosselkhozbank, Svyaz Bank, Bank Zenit and others. The terms of lending in them are quite similar, but there are still some differences. They relate to the value of the interest rate, the type of payments, the need for insurance and the requirements for the borrower. Before making the final choice in favor of a particular lender, the client is advised to study in detail the parameters of the loan and use a visual mortgage calculator, which will allow to estimate in advance the total cost of the loan and in case of force majeure (for example, dismissal) to be prepared for such a financial burden.

1. Preparation of a package of documents and submission of a loan application

Together with the certificate of the NIS participant, the military will have to submit to the bank a minimum set of documents, including a Russian passport, an application form and documents for the acquired real estate. Some banks may additionally require a marriage certificate, SNILS, consent of the spouse to receive a loan and transfer of housing as collateral. For secondary real estate, it will be necessary to provide a report on the professional appraisal of the object (the appraisal is carried out at the serviceman's own expense).

1. Submission of the submitted application to the Credit Committee and making the final decision

Like any other mortgage application, an application for a military mortgage is considered at least 5-7 days, since a thorough check of the documents provided and, in particular, real estate, is required. The maximum duration for making a decision does not exceed 14 working days. After that, the final decision will be immediately announced to the client.

1. Conclusion of a sales contract

If the bank made a positive decision in favor of the potential borrower, then the next stage will be the conclusion of a trilateral sale and purchase agreement between the buyer (NIS participant), the seller and Rosvoenipoteka. In the agreement, it is imperative to prescribe in the paragraph on the procedure for calculating for the purchased housing that the transfer of money will take place with the help of borrowed funds.

1. Conclusion of a mortgage agreement

The mortgage agreement is concluded after agreeing on all the details and conditions of registration with the bank and Rosvoenipoteka. A mandatory annex to the agreement will be the payment schedule. After signing the contract and the schedule, Rosvoenipoteka will transfer the amount of the down payment to the account of the real estate seller. All operations by this body are carried out exclusively in cashless form, which allows for maximum transparency of all procedures. All terms for receiving money are detailed in the mortgage agreement. As soon as the government agency transfers the money to the seller, the remaining amount will be added to the creditor bank.

1. Execution credit liabilities borrower

In the current payments schedule, the terms of the client's debt repayment are detailed, broken down by month. The repayment scheme is such that every month the military receives money from the budget as part of the annual contribution, which is debited as payment under the concluded mortgage agreement. Since the amount of the contribution can be adjusted, the schedule will also change accordingly. The new schedule is sent by Rosvoenipoteka to each borrower, or it can be obtained directly from the bank.

If the monthly payment from the state budget is enough to service the mortgage debt, then the soldier does not contribute any of his own funds. If not, then the rest is paid by him. Also, the agreement allows you to pay off the debt ahead of schedule in full or in part.

Pros and cons of the savings and mortgage system

NIS, as a state support measure that has proven its effectiveness, has many obvious advantages. Among them:

• the opportunity to get housing almost immediately after joining the service, without waiting for long years of service and retirement;
• permission to participate in the program even if the military and his family have their own housing;
• equality of annual contributions for all ranks and ranks of the military, without any discrimination;
• the ability to independently choose the acquired real estate (area, area, layout, number of storeys, etc.);
• preferential terms of lending (reduced interest rate) and loyalty to borrowers;
• possibility early repayment debt.

But there are also disadvantages:

• limitation maximum amount(up to 2.8 million rubles);
• the need to deposit your own funds for payment additional costs(for an appraisal report, purchase of an insurance policy);
• bureaucracy and protracted periods of consideration by government agencies;
• removal from the register and the requirement to return all savings in case of dismissal.

In general, participation in the savings and mortgage system is effective material form assistance to servicemen with families who do not have their own housing. This is a good alternative to the previously used program for providing such a category of citizens with ready-made housing, which did not differ in comfort and desired living conditions.

In more detail about how the accumulative mortgage functions in different banks can be found in a special post.

Our mortgage lawyer is ready to support you on all questions. Fill out the special form on the website with your question.

We will be grateful for the evaluation of the post, reposts.

Hello! Today we'll talk about what a military mortgage is and for whom it is intended. Military mortgage is relative new program on the issue of housing to servicemen and their families. Military mortgage 2019 is one of the most effective tools to resolve the issue for military and military pensioners. Read the post to the end, and you will find out: is it worth taking a military mortgage, is a mortgage possible for military pensioners, is a military mortgage issued a second time, and also current offers banks for the current day.

How is a military mortgage different from a regular one? A military mortgage for military personnel differs from the classic one in that while the borrower is in military service, the Ministry of Defense pays off his mortgage debt, and not himself. The difference will be in terms of lending and stages of registration. The requirements for the borrower will also differ. You will learn more about them.

Military mortgage what is it in the end?

The essence of a military mortgage is as follows: the state annually transfers additional subsidies to the account of a serviceman who has reached the age of at least 22 years, and the borrower can subsequently use these funds to make the first installment.

It is possible to receive no more than 3,000,000 rubles, but if he prefers to take housing at a higher price, he can add his own savings to this amount. On a military mortgage, you can buy both secondary housing and only real estate under construction, and even buy out a share in the construction of housing estates.

In order to become a participant in the military mortgage, it is necessary, first of all, to register in the so-called accumulative mortgage system (NIS). This system is engaged in the provision of military mortgages and is designed for the fact that during the participation of a soldier in it (and borrowers from 22 to 45 years old can participate in this program), his account must accumulate a sufficient amount of funds in order to buy real estate with an average area 54 square meters... According to the Ministry of Defense, such an area is sufficient for a spouse with a child to live.

All servicemen are allowed to participate in the NIS, but there are restrictions for ordinary soldiers: they get the opportunity to become participants in the military mortgage only when they conclude a second service contract. All other layers of the military (that is, officers, warrant officers, warrant officers, etc.) are automatically enrolled to participate in the program, some of them need to apply for a military mortgage. A military mortgage for military personnel in 2019 can also be issued for the second time.

There is a myth that a borrower can buy housing on a military mortgage only at the place of registration or service - but this is not the case. There are no restrictions for the territorial location of "service housing" in military mortgage lending.

Such a scheme is very often used. Since you can buy housing in any region, a soldier takes an apartment in Moscow or the Moscow region. Then he rents it, and he uses the service housing for living. Thus, a kind of additional pension from the state is obtained for the period of service.

Requirements apply only to types of housing: you cannot purchase apartments in dilapidated houses, in "communal apartments" and in "Khrushchev".

Also, there are no restrictions on the choice of a bank that will provide a loan on a military mortgage: the register of military mortgages today includes 77 Russian banks. Most profitable offer you can find it at the end of this article.

Sevastopol has become a very popular city for the implementation of this program, like the whole of Crimea. Next, you will find out which banks lend to this region.

Nuances

Military mortgage tax deduction... Don't forget that there is a military mortgage tax deduction. You can get it, but only from your own payments for the apartment. The stumbling block here is that the RF Ministry of Defense will give money to buy an apartment. So, if you bought an apartment for 5 million and the state paid 3 million from the funds on the NIS account, then from the remaining 2 million you can get a tax deduction of up to 260 thousand rubles. Will also be available repayment of interest on a mortgage loan.

Military mortgage court practice. Arbitrage practice on military mortgages shows many cases when litigation flared up on issues of dismissal from the Russian army of a borrower, including those related to changes in the terms of concluding agreements on military mortgages. If it seems to you possible to defend the right to a military mortgage even after leaving the Russian army, you should contact a military mortgage lawyer (fill out the consultation form in the right corner).

Military mortgage with bad credit history can also be issued by the bank. The main obstacle here is to find a bank that will agree to give a loan on such terms, but if you want, you can get it. detailed in our last post.

A military mortgage in the event of the death of a soldier can cause serious damage to his widow, but only if he has served in the Russian army for less than ten years. If the borrower had more than ten years of service, the state continues to pay military mortgage contributions for him after his death.

Military mortgage pros and cons.

Pros:

• The state pays the fees
• Low rate
• Pay little attention to credit history

Cons of a military mortgage:

• Difficulties with registration and timing.
• Limited number of banks
• Small amount
• Tax deduction problems
• Although the military mortgage approves equity construction, there are restrictions on the choice of developers and houses.
• The owner is only a military man.

Sum

For 2019, the amount for a military mortgage is set in the amount of 280 009,7 ... Based on this amount will be calculated monthly payment, which will repay the serviceman for the state. In 2019, this is 23,334.14.

How much money is given to servicemen in a military mortgage? The terms of the military mortgage are calculated on an individual basis. In this case, a variety of factors can be taken into account: the bank takes into account the age of the serviceman, and his length of service, and the amount of contributions from the state, etc. A military loan is not issued without an initial payment: today it is an average of 20% of total amount loan, although in some banks there are first installments of 10% or more. Interest rates also set individually.

How to get involved

How to become a member of a military mortgage?

You can get a military mortgage if you:

• An officer who received his military rank after 2005. They are automatically credited to participate in the NIS.
• An officer who received an officer rank earlier than 2005: in order to take part in the NIS, they need to submit a report. A sample military mortgage report can be requested at the duty station.
• Warrant officer or warrant officer, service life is more than three years.
• Ordinary soldier, sergeant, foreman, sailor, etc.: people with these ranks can become participants in the program upon concluding at least a second service contract.

In this case, it is not necessary to use a military mortgage at the earliest opportunity. In any case, the Ministry of Defense replenishes a serviceman's account throughout the entire period of his work. A participant in a mortgage for the military can use the accumulated funds immediately and buy an apartment or house, bypassing the stage of concluding a mortgage agreement with a bank. But for this profitable receipt mortgage funds a soldier must have appropriate reasons. For example:

• The borrower has at least 20 years of service.
• The borrower resigns after serving more than 10 years and not owning a home. At the same time, family members of the borrower do not own any real estate. If a soldier owns real estate, he will not have to count on benefits.
• The borrower may receive savings for family reasons, for health reasons or in connection with decisions made at his place of work (for example, in connection with a transfer).

If a soldier is in at least one of the listed situations, then, after submitting the appropriate report, within three months all the funds accumulated during the service will be transferred to his account. A military mortgage for pensioners is issued under the same system.

How to get a mortgage

How to get a military mortgage: a step-by-step scheme.

To obtain a military mortgage, the borrower must be registered in the NIS for at least 36 months. This requirement is standard for most banks. If he fits the age range (from 22 to 45 years), then he should count on the maturity of the loan, based on his age: at 45, the military mortgage must be repaid.

So, if you are suitable for participating in the military mortgage program, you can apply for a loan in several stages:

1. First of all, you should submit documents to the bank of your choice (there may be several of them). You can, for example, leave an online application on the bank's website. As a rule, banks require a passport, application and certificate of the NIS participant, but in each separate financial institution additional requirements may apply. A mortgage is not possible without a military ID.
2. The bank manager draws up an application and sends it for a decision. If all requirements for the borrower are satisfied, the bank confirms the application, and immediately informs the client about it.
3. Next, you need to collect all the documents required to obtain a military mortgage. These may include: the borrower's documents, the seller's documents, the purchase and sale agreement, some documents related to the purchased living space, and so on.
4. The next step is the bank's decision on real estate. The housing purchased must meet the military mortgage requirements. If the bank has no complaints about the object, then it issues a positive conclusion.
5. Then the borrower must sign all documents, including, loan agreement. Mortgage bank sends a package of signed documents to Rosvoenipoteka.
6. If there are no mistakes in the documents, then Rosvoenipoteka signs them on its part and sends them back to the bank. Rosvoenipoteka also immediately transfers funds to the serviceman's account for an initial payment. In the event that the borrower could not get a military mortgage for the amount he expected, he can add funds to buy out an apartment from his own savings.
7. After carrying out these operations, the soldier can register the property as property. He is obliged to transfer the documents confirming this registration to the bank.
8. As soon as the bank receives these documents, it sends them to Rosvoenipoteka and issues mortgage funds to the borrower. From that moment on, Rospoenipoteka begins to pay the serviceman's mortgage debt until the moment it is paid in full or until the employee is fired. In this case, the borrower will have to repay the entire loan independently and in full.

Bank conditions

The best military mortgage offers from Russian banks:

Changes in 2019 - this is the "Family Credit" program of Bank Zenith. According to it, if both spouses are participants in the NIS, then they can receive maximum credit for the primary up to 4.6 million, for the secondary 4 million. Additionally, if you apply the "Mortgage +" option (payment of a part of the mortgage with your own money), the amount increases to 5 million and 4.5 million, respectively.

Online application on mortgage credit lending available for these programs link... Section "Mortgage". You won't have to queue up to see a bank consultant.
Changes in the program occur regularly, so we recommend subscribing to project updates.

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