Social mortgage at a reduced cost. Who is eligible for a social mortgage and what are the terms and conditions of the program? Social mortgage for doctors

We are learning how to buy an apartment with a mortgage that is 4 times cheaper than the market value.

Social mortgage is a solution for many people who do not have their own living space or it is too small in size. Many people are eligible for a social mortgage and this is often the only option available to improve their living conditions.

Differences between ordinary and social mortgages

Many people confuse the concepts of “mortgage” and “mortgage loan”. A mortgage is a form of collateral for property, and a mortgage loan is borrowing money from a bank against the security of property. Most often, people purchase housing with a mortgage, and the collateral is either existing real estate or property purchased with a mortgage loan.

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

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

The table provides a comparison of the conditions of social and conventional mortgages that can be obtained from Russian banks.

The table does not show the advantages of social mortgages. So what is its benefit? Such a mortgage cheaper. All regions of the country have different conditions for social mortgages:

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

If you want to find out what benefits you can get thanks to a social mortgage, you can contact the city administration and the bank. Each region has its own programs, each of which can greatly ease the financial burden when purchasing expensive housing.

Who has the right to apply for a social mortgage?

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

1. Young families with children

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

2. All people who have the right to improved housing conditions

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

3. Military personnel and combat veterans

4. Public sector employees, regardless of their age

This category includes employees of government agencies, employees of state educational institutions, employees of cultural and sports facilities, and workers of urban planning enterprises.

Social mortgage in Moscow

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

The main question remains what the cost of housing purchased with a social mortgage will be. For example, a person who has been on the waiting list since 1990 can buy a two-room apartment with an area of 62 square meters. m at a discounted price of 558 thousand rubles. The same apartment for a person who has been on the waiting list since 2000 will cost a little more than 2 million rubles.

When purchasing real estate at a discounted price, you can pay part of the amount when completing the transaction, and to repay the rest, take out a mortgage loan from a bank offering favorable conditions. People who want to apply for a social mortgage in Moscow must be between 18 and 55 years old, be recognized as in need of improved housing conditions, and be able to repay the mortgage loan.

How to apply for a social mortgage?

Applying for preferential loans sometimes requires you to put in a lot of effort to achieve results. You need to start the process by contacting the district administration where you are submitting an application with a request to register your apartment. You should find out all the details from the bank, including the requirements for the future borrower. Most often, to obtain a mortgage, the bank needs to know the following information:

Place of work;
Seniority;
Number of family members;
Amount of monthly income;
Availability of property insurance.

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

City assistance in the purchase of any kind of real estate is the necessary support for residents of the country who are forced to suffer due to housing problems, as well as a real compromise that largely resolves housing issues with the help of a certain investment of public funds. The social mortgage program is subsidized assistance allocated from the federal budget fund to citizens for the purchase of residential premises through mortgage lending.

State program "Social Mortgage"

The state program Social Mortgage is a series of subsidies, including both a reduction in the interest rate, the allocation of amounts as part of the payment for an apartment, and the sale of residential properties with a mortgage at a reduced price that are state property.

Today, at the federal level, subprograms have also been created for young families, employees of public companies, namely teachers, doctors, and the military. Let's look further.

For young families

You can try if the family has one parent under 35 years of age who is on the waiting list for improved housing conditions. In practice, up to forty percent of the cost of the apartment is allocated - significant.

For doctors

Social mortgage program for doctors. Requirements put forward:

the doctor’s age is not older than thirty-five years;
there is a document of education confirming the medical qualifications of a doctor;
work experience for doctors - at least one year in medicine;
a person should really need his own living space.

Social Mortgage program in Moscow and the region

Muscovites are in dire need of budget subsidies for mortgages from the state. The Social Mortgage program in Moscow implies the provision of assistance to socially vulnerable segments of the population (including families) in purchasing a residential property in the following form.

Real estate objects

The state program covers residential premises owned by the city of Moscow. The cost of such housing will be significantly lower due to the availability of benefits. A formal purchase and sale agreement is drawn up using a mortgage loan.

Only solvent citizens of Moscow who have a positive decision from the bank can qualify for the program.

Categories of citizen participants

A reduced interest rate program of 9.5% per annum will be valid if the borrower buys a new building in Moscow and is a person in the following category:

participants of the state project “Housing for the Russian Family”.
workers in military-industrial production.
disabled people of a certain group, or parents or guardians with a dependent child of a disabled group.

Low-income people are also eligible for the social mortgage program in Moscow. This includes:

two or more families sharing the same living space;
persons living in a house of emergency nature;
people renting an apartment.

The state program Social Mortgage in the Moscow Region is designed for people of the same categories and on similar conditions as for Moscow citizens. The main criteria are presented above. As for specific questions and nuances specifically regarding mortgage lending, it is advisable to clarify this exclusively at the branch of the banking organization.

Housing program

The Housing program was created back in 2002, then it was extended by the Government until 2020, so it is still relevant today. The Housing program is national, that is, it is designed for the entire territory of the country, including the Moscow region.

It includes all subtypes of programs discussed above. Assistance to retired military personnel, benefit citizens, changing the system of communal structure, providing real estate to young families, stimulating construction in certain regions.

Which banks in Moscow issue social mortgages?

The program operates in the main largest financial institutions, namely Moscow banks. However, each of them has its own requirements put forward in accordance with their policies. The list includes the following Moscow banks:

Sberbank of Russia

This Moscow bank, being a leader in the country's financial market, provides its applicants with a mortgage loan on fairly favorable terms. If the borrower belongs to the group of public sector employees, law enforcement officers, or has a young family.

Another advantage that this Bank of Moscow provides is the minimum down payment - only 10 percent. It is important that the property being purchased does not end up in a building of emergency nature, otherwise Sberbank will not allow such a home to pass.

Gazprombank

Under the social mortgage program, Gazprombank issues a loan for no more than 10 years, with a reduced rate than the basic tariff, structuring the first payment in such a way that it is equal to 1/5 of the price of the property. The amount issued is no more than eight million.

Raiffeisenbank

Raiffeisenbank of Moscow offers its potential clients a loyal interest rate, fast processing, prompt approval and consideration of applications - this is exactly what is required by the population in crisis and in dire need of housing.

VTB 24

Keeping up with other Moscow banks, VTB-24 offers exceptionally low rates, a reduced down payment, and considers applicants from the above categories.

Svyaz-bank

The loan is given for the purchase of newly built housing or a finished apartment with a minimum interest rate of 9.5%, up to thirty million rubles, for a period of no more than thirty years.

Conclusion

Purchasing your own real estate is far from an easy task for many people due to the lack of sufficiently accumulated savings, and the only way to solve this problem is to take out a mortgage, which in turn is free and not available to every citizen due to a number of reasons. The developed state program Social Mortgage is aimed specifically at such borrowers from Moscow banks, whose wages are low and do not correspond to normal living conditions, as well as for doctors, teachers and young families.

Modern housing is very expensive. Most people in our country cannot afford it. In Soviet times, the state built it at its own expense and simply distributed it to its citizens. In the nineties, with the collapse of the country, the previous housing system collapsed.

But the problem remains. Some Russians have recently become significantly richer and have begun to build luxury apartments. However, the remaining residents became even more impoverished compared to the Soviet era and were unable to solve their housing problems even on a minimal scale.

New government measures were needed to reduce tensions in the housing sector. In modern conditions, a solution has been found in social mortgages. So what are the terms of a social mortgage these days?

Social mortgage

Social mortgage is state support for certain preferential social categories of Russian residents. The conditions for receiving a social mortgage are that beneficiaries receive a loan of money to purchase their own home. A mortgage is a unique form of collateral for residential real estate (future or existing for the borrower) for the purchase of a loan. The issues of purchasing social mortgages and establishing a loan program are specified by regional authorities.

Social assistance is issued in the form of:

Covering the costs of part of the cost of an apartment purchased with a mortgage.
Purchasing housing from the state at a low interest rate.
Compensation for part of the interest on the mortgage loan.

Target

The goal of modern social mortgage lending programs operating in our country is the Russian state’s monetary support for its citizens in matters of improving their housing conditions. The purchased loan can be used in the following areas:

for the purchase of ready-made, previously constructed housing;
for the construction of a residential building;
for the purchase of a plot of land where a residential building stands or its construction is planned;
to pay off an existing mortgage loan.

In modern Russia, there are a number of mortgage programs supported both from the federal Russian budget and partially from regional provincial budgets. Along with the usual (standard) mortgage, there is also a social structure for mortgage lending to certain segments of the population. According to such a social mortgage, the conditions for receiving it will be relaxed as much as possible. Especially for the advantaged segments of the population.

Peculiarities

The existing social mortgage for improving housing conditions allows socially weak categories of Russian citizens to improve their current housing conditions. That is, the state organizes such preferential social programs to make the purchase of housing affordable for Russians with low incomes, for example, for large poor families, for state employees who do not have housing, for young officers, for young families, and so on.

A specially formed organization - AHML - manages and coordinates the activities of all existing mortgage programs in Russia - the Agency develops the state-defined policy of increasing the availability of affordable housing for Russians, and implements the function of the state body for the formation of the social mortgage lending market. The agency must strengthen the balance of interests of all parties in the field of real estate - the Russian state, ordinary borrowers, private and public lenders and investors.

Signs

Specific conditions of social mortgage:

issuing preferential interest rates to borrowers on loans issued by the bank;
issuance of targeted one-time subsidies or social payments for housing from the central federal or local regional budget;
a more preferential price for the purchased housing (usually this is a standard economy class property);
reduced amount of the initial housing payment when purchasing an apartment or house;
assistance in paying interest rates by issuing compensation;
the likelihood of a reduction in the monthly loan (“payment holidays”).

The main emphasis of social housing mortgages is on eliminating the existing housing hardships of that layer of working Russians who receive relatively average and low financial income and at the same time really need their own home (or apartment).

Cost structure

Under the terms of the social mortgage, the following financial cost structure is assumed:

The buyer's share of expenses will be approximately thirty percent of the cost of the home.
The share of state assistance (the amount depends on the social category of Russians) is approximately twenty to fifty percent of the total cost.
The rest of the housing payment goes to the mortgage loan.

The described structure of payment for purchased housing, as a rule, increases the possibility of obtaining mortgage loans for residents of our country, and this, in turn, actively contributes to the growth of the effective demand of Russians for residential houses or apartments, thereby further financing the construction industry of the domestic economy and those dependent on it various industries.

Specifics

The main difference between the existing conditions of a social mortgage and a regular or commercial mortgage is, ultimately, the lower cost of housing allocated to citizens. In addition, it is necessary to highlight the additional guarantees that lenders receive from the loan-issuing bank operating under social housing mortgage programs:

Control of the “cleanliness” of the purchased residential premises.
Insurance of both the purchased home and the life of the borrower himself.
The bank's promise to maintain the level of loan interest determined by the agreement until the completion of the loan agreement.

Participants of benefit programs

Not all Russians may receive the conditions of a social mortgage to obtain a social mortgage loan. The number of beneficiaries can include, first of all, those residents of the country who are officially identified as in need of housing and who are in line to purchase housing in local executive authorities. In addition, those in need of housing include Russians living in houses that are officially classified as unsuitable for normal living; those who have housing in multi-apartment buildings included in the emergency list and prepared for demolition or modernization. This condition serves as a common feature for all clients of social preferential mortgages.

Other conditions required to purchase a mortgage loan depend on the form of the social mortgage program:

families with several children in which the age of the wife or husband (or one parent in a single-parent family) is not higher than 35 years;
families with three or more minor children;
veterans of official combat operations;
young officers who became participants in the Russian funded mortgage housing system;
Russians working in state (or municipal) bodies that are part of scientific organizations or the structure of scientific services;
Russians working in state educational structures, as well as health authorities, cultural structures, local social protection, employment systems, physical culture and sports bodies;
employees of city-forming institutions, including science cities;
workers working in the structure of the military-industrial complex;
citizens working in state scientific bodies, as well as various structures organized by state academies of sciences;
employees of state unitary institutions with the rights of ordinary scientific bodies implementing their work in the leading areas of the formation of science and industry in Russia;
a family is considered to be approved by a resolution of the local municipal government if the total income for each family member is below the subsistence level determined in each region; social housing mortgage refers to the state allocating a house or apartment to a low-income Russian family at a preferential price, as well as other additional social guarantees).

Housing benefits for doctors

In addition to general social mortgages for housing, there are also separate ones aimed at helping social workers solve housing problems. For example, these are doctors. There is a special program “Mortgage for Doctors”. Its goal is to make it easier for doctors to obtain social mortgage lending.

At the level of individual regions, the receipt of free land plots and targeted social lending for private construction have been organized.

In general, the conditions of a social mortgage for doctors lead either to a weakening of the credit burden for them, or to support in making

An initial fee

A potential participant in the Russian social housing mortgage program must be checked for the ability to pay the cost of housing. Actually, the scale of the loan received from the bank will depend on the volume of existing savings (down payment on housing), and on the volume of the borrower’s monthly receipt of funds. To increase the amount of a mortgage loan, the lender can additionally use the help of other solvent citizens (in particular, close relatives), who will then be added to the mortgage lending agreement as individual co-borrowers.

Under these conditions, social mortgages are actively developing in the regions.

Moscow

In Moscow in 2017, social mortgages are being actively introduced. The conditions in Moscow are particularly good. Participants in social financial lending will take out a mortgage at 9.5%. But there are a number of restrictions. Such a loan will be given only to those Muscovites who buy an apartment for themselves in new buildings in Moscow, part of the capital's housing stock, in a building erected at the expense of the city. Potential borrowers must have a passport with Moscow registration (registration), they must have a stable place of work with a constant income. In addition, they must meet certain criteria:

be members of the state housing project “Housing for the Russian Family”;
work at military-industrial complex enterprises;
have a disability group or have a disabled child in the family.

Moscow region

The conditions for social mortgages in the Moscow region are based on the same specific points as for residents of Moscow. The main criteria for obtaining such a loan are noted above. But at the same time, it is necessary to keep in mind that individual banks have their own peculiarities of lending to clients, which can be found out in the financial institution itself.

Tatarstan

In this region of our country, social mortgages are also very popular. The conditions of social mortgages in Tatarstan are aimed at obtaining benefits by employees of institutions that can effectively finance social mortgages.

Receipt of housing under the social program occurs in a certain queue. Competitions are organized in the region to select apartments that can be awarded to citizens of the republic as part of the ongoing social mortgage on special conditions:

The citizen's need for improved living conditions. At the same time, one family member must have at least 18 square meters. m.
The longest term of a social mortgage issued is a little more than 28 years.
The realized interest rate is approximately 7%.
A down payment is required. However, if a Russian has serious reasons, then it is possible to obtain the consent of the relevant authorities not to make this contribution.
You can make payments not only in cash. The regional program means payment with products of one’s own production in a personal household or repayment of a loan with one’s own labor.
Part of the housing area that has not yet been paid for can be transferred to commercial lease.
If a childless family received a social mortgage, and after a certain period the couple had a child, then the state pays assistance in the amount of 200 thousand rubles.

Social program participants in Tatarstan

According to the terms of a social mortgage in Tatarstan, a social mortgage can be obtained by:

Russians working in budgetary authorities;
employees of institutions included in social mortgage financing programs;
Russians who need urgent support.

It is necessary to accumulate a large rating. It is determined by the amount of a person’s savings. These funds must be in the housing fund account. The winner of the competition will be the citizen with the highest rating, whose application meets all the requirements.

Of course, there is a social mortgage in Kazan. Its conditions are generally similar to the provisions of the program for Tatarstan. It should be noted that the social mortgage in Kazan for 2017 will provide an opportunity for many socially weaker sections of citizens to take out a loan on preferential terms.

Welcome! Today we will find out what a social mortgage is and who can get it. How to apply for a social mortgage. How banks and social mortgages interact. Read the post to the end and you will find out all the news of 2019 on this topic.

You can acquire your own home using your own funds, if you have any, or you can resort to the help of banks and use mortgage lending. But what if your income does not allow you to use any of these methods? Social mortgage comes to the rescue. It is precisely this that exists in our country to solve the housing problem of citizens with average and low incomes.

What is the difference between a regular loan and a preferential loan? The first is issued by a commercial bank to the client, who repays the loan and interest on it with his own funds. It follows that the consumer can only rely on his own strength. At the same time, the annual rate for using borrowed funds and the down payment will be quite large. The social mortgage agreement will include a third party to the agreement - the state. Here his role is to support the interests of both parties: reimbursing the bank for its commercial benefits and providing citizens of the Russian Federation with affordable housing.

Social mortgage lending is a government program, which is implemented at the subject level. Therefore, in each region it has its own characteristics, which can be found out in the local authorities at the place of residence, or in the AHML.

What is the point of social media? The point is that the housing and social mortgage will be issued with some kind of support from the state budget. And how much depends on which category of beneficiaries you qualify for. In essence, social mortgage is a complex concept that includes a number of government support programs for the population as part of solving the housing issue. They are very often confused and mixed into one concept.

The concept of “social mortgage” should be divided into a number of derivatives:

Social mortgage in banks and partners of AHML (mortgage that provides a number of benefits on the rate, mortgage term, size of the monthly allowance, etc. to employees of socially significant and budgetary institutions, as well as large families).
Subprogram “Housing for the Russian Family” (allows you to get a discount on an apartment from development companies that participate in the program, those in need of improved housing, low-income people and, again, state employees of various levels, as well as young families with children. The mortgage rate remains within the framework of the bank’s standard programs ).
The “Young Family” subprogram is federal and local (you must obtain a certificate of participation in the program in order to be recognized as needing improved housing conditions, then the state will provide a subsidy for the purchase of housing up to 35% of the cost of the apartment).
Regional subsidies (for example, the Republic of Tatarstan, where there is a reduced interest rate on mortgages and a discount on housing).
State support programs for military personnel, maternity capital.

In certain cases, state assistance will amount to 10-50% of the cost of the apartment. There are regional subsidies that reimburse 100 percent of the price of housing, and the citizen only has to pay interest to the bank. For young people, such support can amount to 30%, and for young families with children - 35% of the market value of the home.

The following conditions of social mortgage exist:

Lowest interest rate possible. Today, it is 7.55%;
Minimum down payment 10%;
Longer loan term;
Subsidies from budgets of different levels to reimburse part of the cost of housing. One example is compensation of monthly social mortgage contributions for some state employees during the entire loan term;
Deferment of payment or restructuring. In different cases from 1.5 to 3 years;
Reducing the monthly payment by refinancing;
Construction of economy-class real estate with state support and its sale at preferential prices to certain categories of citizens;
One-time subsidies for improving housing conditions. One such example is maternity capital.

Who can get it

Who is eligible? Many citizens are unaware of the opportunity that exists for them to acquire housing on preferential terms. To do this, you need to know who can get a social mortgage.

You can expect to receive in 2019:

large families;
single-parent families whose income fell by 30%;
disabled people and families raising disabled children;
young families under 35 years of age with and without children;
some categories of doctors, teachers and scientists;
employees of scientific municipal and government institutions;
workers of science cities;
military participants in the accumulation system;
combat veterans;
Young professionals;
workers of culture, social protection and employment institutions;
specialists from sports organizations;
workers of the military-industrial complexes;
the poor.

Program participants are solvent working citizens of the Russian Federation who have stable incomes and are able to obtain a loan, i.e. meet the conditions for its provision; having accumulated funds for a down payment. Their credit history must be positive. They must be a recognized need for housing improvement or emergency fund residents (for a number of subprograms). For public sector employees, it is required to have a professional work experience of three years or more in government agencies. The Housing Social Mortgage Fund covers citizens from 18 to 54 years of age with a continuous work experience in one place of at least six months. Military personnel who have served at least ten years. More detailed conditions should be considered for specific programs.

How to apply

First of all, you need to make sure that you are included in any category of beneficiaries. Depending on the type of program, contact the authorities and/or the bank first. If so, then the next step is to collect the necessary documents.

The basic list of these includes:

application for a social mortgage;
a copy of the applicant's passport;
certificate from the place of work about income in form 2NDFL;
a certified copy of all sheets of the work book;
a document confirming the applicant’s need for housing or improvement of living conditions;
a document stating that you are in line to resolve the housing issue with local authorities;
an extract from the house register or a certificate of family composition;
Marriage certificate;
children's birth certificates.

This list is basic and basic for all categories of beneficiaries and is supplemented depending on which social program suits you. You can find out more about what other documents are needed from other articles on our website.

You will need a special certificate in order to become a participant in the Young Family program in 2019. You must notify local authorities and the bank of your intention to receive a preferential loan to purchase an apartment and be included in the final list.

When the lists of such participants are formed, the municipal government receives money from the budget for subsidies and distributes them. By that time, you will need to provide a loan agreement already drawn up with the bank.

Banks and social mortgages

The most advantageous offers under this program in 2019 are offered by NOAIK, a partner of AHML in Novosibirsk, for example, the rate is 10.95 for finished housing and 11.2 for the construction period.

A mortgage for military personnel involves opening a personal savings account. The state transfers certain amounts to it monthly, which are regularly indexed. The money can subsequently be used to purchase housing. Can be used both during service and after leaving the reserve. In 2019, such a product is available to all young officers, even those who already own real estate. Several banks are engaged in lending to military personnel under the NIS.

And other points were discussed in our last post. You can also use our loan calculator to calculate.

The advantage is that a decision is made within three days with a minimum package of documents. The only requirement for the borrower is a period of service of at least three years.

To find out the monthly loan payment, use our website.

The social mortgage “Building the Future” operates in the Republic of Tatarstan (Kazan, Naberezhnye Chelny, etc.). The essence of the program is that a family joins the “Building the Future” cooperative and then participates in an auction of apartments, offering their own reasonable price for them. The family that offers the highest price will win the competition and receive ownership of the apartment at a reduced price. Social mortgage Building the future is available in the city of Naberezhnye Chelny, for example, 90% of the population.

The social mortgage “Building the Future” is issued under the President of the Republic of Tajikistan on the following conditions: Rate from 7% per annum; Down payment from 10% of the loan amount; Duration from 20 to 28.5 years. To draw up an agreement, you should contact AK Bars Bank, Kara Altyn Bank, Sberbank of Russia.

In Naberezhnye Chelny, the most favorable conditions for rates are offered by VTB24 Bank (this is 9.4% per annum for using a loan and the down payment is only 10% for any convenient loan term), Rosbank, and the Mortgage Agency of the Republic of Tatarstan. To choose a credit institution and more favorable conditions for yourself, use our mortgage calculator.

Rosselkhozbank has developed a special loan product - rural mortgages in Russia. It was created to provide assistance to young professionals living in rural areas. It implies that part of the debt is repaid from the federal budget, another part is allocated by the region, part by the local agricultural producer, and the remaining small share is paid by the employee himself. This is one of the few banks that does not refuse to give loans to clients from the province due to the low value of collateral.

Lending terms:

rate from 11.5% to 13.5% per year;
no down payment;
the amount is within 3 million rubles;
period from 1 year to 25 years;
no guarantors required;
the borrower's age is over 18 years;
confirmation of the amount of income using a 2NDFL certificate or a bank form.

Knowing the terms of the loan and the cost of the desired apartment, you can calculate the size of the monthly payment using our mortgage calculator.

How to get a social mortgage in 2019 — You can find out from AHML. This is the main organization entrusted by the government with the implementation of state social programs to provide the population of the Russian Federation with their own housing and improve living conditions. AHML implements programs such as “Housing for the Russian Family”, issues products such as “Military Mortgage”, “Social Mortgage for Doctors, Teachers and Scientists”, and also implements a program to assist borrowers.

Advantages of AHML:

Annual rates here start at 10.95%.
Down payment of 10% of the loan amount.
The maximum possible term is up to 30 years.
The loan amount is not limited.
There are no additional insurances, that is, only the purchased property and the borrower’s liability under the contract are insured.
Maternity capital funds are used.
If the payer encounters financial difficulties, a reduction in the monthly contribution is provided.
Opportunity to buy an apartment thirty percent cheaper than a similar segment in an accredited project.

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