The dream of owning a home is real with the help of government support: subsidizing mortgages. Terms of receipt
At present, Putin V.V. put all his efforts into preventing the demographic crisis in the country. Even with unstable financial condition, the government does not forget about helping only established families. The acquisition of own housing for every independent citizen is highlighted, and preferential programs that entered into force in 2019 contribute to improving the situation and facilitating the acquisition of real estate.
Depending on the bank you choose, you may need additional documents, for example, in Sberbank, the mortgage subsidy program in 2019 provides for a minimum collection of documents.
For citizens of the Russian Federation who have two or three children, it is worth considering one point. In any case, before issuing a housing loan, a credit institution will assess the borrower's capabilities, so there is a risk of refusal, as for the usual category of citizens.
Very beneficial for large families. If you decide to apply for a mortgage loan, find suitable housing, are going to give birth to two or three children in the future, or are already the parent of a second baby born in 2018, then you can contact any bank from the AHML list.
The most popular today was and remains the Sberbank of Russia - a credit institution with a share of state capital, which has earned the trust of millions of citizens. Many customers are satisfied with their choice and do not regret purchasing products from Sberbank.
Benefits of applying for mortgage subsidies in 2019 at Sberbank
The conditions of the program for each credit institution are approximately the same. Why Sberbank?
- This is one of the largest financial institutions in Russia.
- Favorable interest rates.
- Clear terms of the deal with no hidden interest.
- A wide list of preferential conditions for registration, and in particular, a reduction interest rates for the fact that the borrower is a participant salary project, for electronic registration upon receipt mortgage loan, employees of the public sector also receive a discount for filling out an application through services (for example,) and much more.
Therefore, if you decide to purchase housing and you plan to have children, then the mortgage subsidy program in 2019 from Sberbank will be one of the most profitable solutions.
What is good news is the unchanged conditions of the tax deduction. The program in no way extends its actions to receive return of personal income tax. The procedure has remained standard, after registration of the object in the property, the borrower goes to tax authority at the place of residence and provides a package of documents:
- a photocopy of the mortgage agreement certified by the signature;
- a photocopy of the payment schedule certified by the bank or an account statement;
- documents confirming payment;
- application form;
- certificate from the place of work for the specified period;
- TIN number (preferably a photocopy);
- KP agreement;
- extract from the USRN;
- Russian passport in two projections.
After submitting the entire package of papers to the tax authority, the borrower will receive funds to the current account within 2-3 months. The calculation is made taking into account the paid personal income tax for reporting period. If you failed to return the entire deduction due in a year, the procedure is repeated for the next year. All funds can be spent at your own discretion, as well as used to pay off the principal debt on a mortgage.
Mortgage subsidies from the state. Reducing the rate to 6% will be of great help to families with children.
Such a rate can be obtained when buying housing, both finished and under construction, but only from legal entities.
Yesterday we received clarifications from a Sberbank specialist. Most likely the program mortgage subsidies for the purchase of housing will be launched from mid-February 2018.
On December 30, 2017, the Government of the Russian Federation approved Rules for granting subsidies from federal budget Russian credit institutions and joint-stock company"Agency Mortgage housing loans» to compensate for lost income on issued (acquired) housing (mortgage) credits (loans) provided to citizens Russian Federation having children.
State mortgage subsidies
The government approved the conditions for subsidizing mortgages for families with two or more children.
The support measures will reduce the financial burden for the purchase of housing for low-income families through a subsidy program, which will begin on January 1, 2018.
Subsidies will be provided for the purchase living quarters or a dwelling with a land plot, or a dwelling under construction or a dwelling with a land plot under a contract
participation in shared construction(contract of assignment of rights of claim under
said agreement).
Mortgage subsidies 2018
Subsidies are provided on credits (loans), loan agreement(loan agreement) for which it was concluded starting from January 1, 2018,
from the date of granting a credit (loan) to the citizens of the Russian Federation specified in clause 9 of these Rules:
a) within 3 years - in connection with the birth of a citizen
from January 1, 2018 to December 31, 2022 of the second child;
b) within 5 years - in connection with the birth of a citizen
from January 1, 2018 to December 31, 2022 the third child.
4
6. At the birth from January 1, 2018 to December 31, 2022, of a citizen who received a loan (loan) in accordance with these Rules, a third child during the period of the subsidy,
received in connection with the birth of a second child in accordance with these Rules, the period for granting the subsidy is extended for 5 years from the date of the end of the period for granting the subsidy in connection with
the birth of a second child.
The terms of such subsidies for families in which a second child was born from January 1, 2018 to December 31, 2022 are three years, and for families in which a third child was born, five years.
Families with existing mortgage loans through refinancing will also be able to take advantage of the program, the difference in loans will be paid by the state.
Mortgage Interest Rate Subsidy Program
Now banks are hastily developing lending programs mortgage subsidies.
And they submit documents to the Government confirming the fulfillment of the requirements of the participant in the subsidy program.
Most likely, this work will take at least a month.
Such a program provides for mortgage loans in the amount of not more than 3,000,000.0
For Moscow, Moscow region, St. Petersburg and Leningrad region— no more than 8 000 000.0
Mortgage subsidies. Clarifications from Sberbank
Here are some additional clarifications provided by Sberbank about mortgage subsidies to its partners (mortgage brokers and realtors) on January 22, 2018:
"Dear partners!
Today we would like to tell you more about new program Governments on subsidies mortgage rate for families with children.
According to Government Decree No. 1711 of December 30, 2017, the following lending parameters are approved, according to which subsidies will be paid:
1. The period of the program (loans issuance): from 01/01/2018 to 12/31/2022
2. Products: purchase of finished housing; purchase of housing under construction; real estate refinancing. Restriction: purchase only from a legal entity (except for mutual funds and management companies), only residential premises
3. Conditions for issuing loans on the terms of State Support: a citizen had a second or third child from 01/01/2018 to 12/31/2022
4. The interest rate of 6% is valid: within 3 years at the birth of the 2nd child*; within 5 years at the birth of the 3rd child
5. After the expiration of the 6% rate, the interest rate is set at a rate not exceeding the key rate on the date of loan issuance +2 p.p.
6. Loan amount - up to 3 million rubles. in the regions and up to 8 million rubles. in Moscow, Moscow region, St. Petersburg and Leningrad region
7. An initial fee from 20%, including at the expense of maternity capital.
Currently, the Bank is considering the issue of launching subsidized lending. Upon readiness for launch, partners will be notified in advance about the details of the program and the launch date. Estimated launch date: 2nd half of February 2018.
*If the third child was born after the issuance of a loan with state support for the 2nd child for 3 years, but the term ( three years) has not yet expired, then +5 years from the end date of the 3-year term. If the third child was born after the issuance of a loan with state support for the 2nd child for 3 years and the period has already expired (more than 3 years have passed), then +5 years from the date of birth of the third child.”
PS. The article will be supplemented with practical recommendations and additional explanations as information becomes available from credit institutions.
Mortgage subsidies, interest rate reduction to 6%
Mortgage in Russia is a very common way to purchase a home. Since the cost of real estate is too high, most of the population cannot afford to buy an apartment on their own or private house, laying out the entire amount at once. A loan issued by a bank becomes a solution for many housing issue, however, it is burdened with interest, and given that it will take years to pay off the mortgage, this is quite large sum overpayments in the end. In addition, if for some reason the borrower is unable to continue to repay it, he may lose both the amounts already paid and the loan itself. real estate.
Since the state is also concerned about the solution of the housing issue for the population, the government has developed and approved a social program, thanks to which persons who have issued a mortgage on an apartment, house or its construction can receive assistance. In fact, this is a direct return of part of the funds paid for the loan.
The subsidy is not provided to everyone, but only to certain categories of citizens who are in financial difficulty. To date, they have the right to claim 600 thousand from the state for the repayment of mortgages.
Key conditions to participate in social program, is the fact of a significant decrease in the borrower's income due to the crisis and an increase in loan payments, which is relevant if it was taken in dollars.
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How to understand the conditions?
The key conditions need to be considered in more detail in order to understand what criteria citizens must meet if they want to receive 600 thousand rubles from the state treasury to pay off their mortgage.
Possible conditions | What does it mean |
---|---|
The level of income of the borrower for whom the loan was issued has fallen | The due amount of the debt will be written off after the payer provides evidence that income over the past three months has been reduced by more than thirty percent, compared to the level that was before the loan was issued. The purchasing power of the borrower is not taken into account at all. |
Increased monthly payments | Applies to borrowers whose mortgages are in US dollars. Despite the fact that according to the documents nothing has changed, due to the depreciation of the ruble, in practice it has increased significantly. You can receive money from subsidies only when the amount of such payment has increased by thirty and more percent. At the same time, there are two ways to implement compensation - to write off the debt in the amount of up to 600 thousand or to halve the amount of monthly payments for a year and a half. The choice of option remains with the payer. |
Who can write off part of the debt?
In order to reduce the amount of the mortgage payment, you must belong to one of the following categories:
- Family or single mother (single father) with one child or more, as well as official guardians of children under sixteen years of age;
- A participant in hostilities who has documents confirming this fact;
- Disabled person, as well as guardians and parents of a child with disabilities.
Previously, state employees working in the field of sciences, as well as employees of defense enterprises and participants in state loan programs, could claim 600,000 rubles for reimbursement of mortgage payments, but since 2016 they have been deprived of this right.
Despite the fact that all of the above requirements are key, this is not all the reason to return such a tangible amount of the loan. To make a positive decision, you need:
- Have any other property owned by the borrower;
- Observe the time interval from the date of receipt of mortgage funds to the purchase or construction of housing;
- Belongs to one of the categories listed above;
- Take into account the area of real estate purchased for credit funds.
You should know these conditions in order to understand what you can really count on.
The value of the total area
Six hundred thousand rubles are written off on a loan, taking into account the class of housing purchased, in particular, when it comes to an apartment. According to the law, the state will reimburse part of the debt only for the property that is classified as an economy class, that is, it does not exceed:
![](https://i2.wp.com/pravonedv.ru/wp-content/uploads/2017/03/spisanie-osnovnogo-dolga-po-ipoteke.jpg)
In addition to the footage, the cost of the apartment also plays a significant role. So, for example, when a mortgage is issued for the purchase of housing with a value sixty percent higher than the market value, social payment will not be produced. This loan will have to be repaid on its own. An exception might be the large family with three or more young children. For them, the area and its price are not taken into account.
Not less than important aspect in the approval of the subsidy to write off 600 thousand, is the date of purchase of the apartment. In accordance with new edition social program, you can count on assistance only if the borrower applied to the state for a subsidy no later than a year after the conclusion of an agreement with a banking institution.
Write-off methods
Approaching the desired category and meeting all the requirements, you must come to the bank where the mortgage was issued. There, a corresponding application is submitted regarding the reimbursement of funds from the state social fund. A list of documents must be attached to it, which can be found later in the article.
After in banking institution will consider the submitted papers, the payer will be offered one of the options to choose from:
![](https://i1.wp.com/pravonedv.ru/wp-content/uploads/2017/03/20060109_gaf_rm40_004.jpg.690x395_q85_crop_upscale.jpg)
Despite the existing requirements, even if you do not meet one of them, you can still apply for participation in this social program. However, an exception is made only if we are talking about a family waiting for replenishment. After the birth of the first child, part of the mortgage debt will be written off in the amount of the cost of 18 square meters of the purchased living space.
Interest rates on mortgage loans at the end of 2016 remained quite high. That is why the number of purchased residential premises in the primary market was somewhat lower than predicted by banks and credit organizations even a couple of years ago.
In order to help citizens with the acquisition of property through a mortgage loan of apartments, the state launched a program called "Housing". It will be valid until 2020.
general information
Military mortgage or military housing certificate
This measure of social support implies the allocation of funds for the purchase of residential premises by military personnel. Including those who are already retired.
Funds are provided exclusively in the form of a certificate, which can be spent only for the intended type - for the purchase of residential premises in the property.
Military mortgages are provided on preferential terms to military personnel whose service life exceeds 3 calendar years. So, the interest rate state banks is 9.9% per annum.
The state subsidizes military mortgage, paying the remaining interest from the federal budget. In fact, for the bank, the interest rate remains at the established level (for example, 14.5% per annum), with the only difference being that the citizen pays 9.9%, and the rest is paid by the state.
Participation in the program for obtaining a housing certificate excludes the possibility of participating in preferential mortgage lending. In fact, the state helps military personnel acquire residential premises, but only according to one of the existing options.
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“Mother” mortgage
A mortgage loan, which is taken under a parent certificate, is provided on favorable terms. In fact, the family takes targeted loan to purchase a home or improve living conditions in a bank that is repaid with maternity capital.
In practice, it looks something like this: a woman or a man draws up a target-type loan, prescribing in the contract that the amount repaid will be a certificate. After receiving the certificate, the family transfers the funds to pay off the existing mortgage.
A prerequisite for such lending is the allocation of shares in the ownership of all family members. At the same time, the state admits that it is possible to make such an allocation not immediately, but within six months.
Mortgage for a young family
Mortgage subsidizing by the state in this program is a payment to a young family for the acquisition of residential premises. However, state aid has a significant drawback - the maximum amount that a family can receive is 1 million rubles. The young family must find the remaining funds when purchasing a dwelling on its own. Including mortgage loans.
How it works in practice
A young family of four acquires an apartment worth 3.5 million rubles. The state subsidizes 1 million rubles for the purchase of an apartment, and the family seeks the rest of the amount on its own or receives it through a mortgage in a bank.
In this case, the amount to be “borrowed” will be 2.5 million rubles or less if there are own funds.
Governor's Young Families Assistance Programs
Each region independently establishes ways to help different segments of the population. Thus, young families in many regions can count on support from regional authorities when acquiring residential premises.
At the same time, each region independently decides what kind of assistance it will be - a certificate for a specific amount (usually no more than 300-350 thousand rubles) or mortgage subsidies. That is, a decrease in the interest rate when borrowing from a bank.
Before counting on assistance, you must contact the local administration at the place of residence to familiarize yourself with existing programs help.
Example of Regional Assistance
As part of the material state assistance “Housing for young families 2015-2020” in the Penza region, young families who have a child in the first 12 months of marriage are given a choice: to receive lump sum or participation in the program itself for obtaining a certificate for the purchase of residential premises.
As practice shows, participation in the program makes it possible to receive from the regional authorities about 300 thousand rubles to buy a house or apartment or improve existing living conditions.
In this case, the allocation of funds takes place in deadlines, according to the sequence, after the receipt of finances in the budget of the region.
Affordable housing for a Russian family
Within the framework of the state program “Providing affordable and comfortable housing and utilities» Families can count on state assistance, which consists in the construction of residential buildings of the middle economic class.
For example, families of doctors who work in countryside, and need to acquire ownership of residential premises.
The state allocates funds for the construction of residential buildings with a buyout land plot below them, and then these houses are distributed among the program participants.
In some regions, as part of this program, young families receive economy-class residential buildings in their ownership, provided that they meet all the requirements.
In order to find out about full terms housing assistance in the region, you must contact the USZN at the place of residence or the local administration.
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Last changes
The program was suspended in 2017. This is due to a decrease in mortgage rates to 10%. It was decided to stop state support, as the demand in the mortgage market is quite high. The Central Bank's rate cut also played a key role.
According to experts, mortgage rates will continue to decline in 2018.
In December 2017, the President of the Russian Federation instructed the Government of the Russian Federation to develop by the end of this year a program and relevant documents for state mortgage subsidies for families with 2 or more children born in 2018.
Our experts monitor all changes in legislation in order to provide you with reliable information.
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Extension of the mortgage subsidy program
January 17, 2017, 13:04 Mar 3, 2019 13:50
One of the methods of regulating the economy by the state is the subsidization of loans. A subsidy is a partial reimbursement of various expenses for certain segments of the population. There are subsidies in Russia different types depending on purpose and target group. One of the largest is the issuance of subsidies for loans.
Such assistance from the state is an incentive to take a loan from a bank. Subsidies on loans are issued only for loans in rubles.
This mechanism serves to attract potential borrowers and revive the lending market in the country. In this case, the state undertakes to compensate for part of the interest that the borrower paid to the lender. That is, a part of the credit burden is removed from the borrower, and banks improve their credit attractiveness. The Russian government has developed a number of similar programs for the population and the business sector.
In the case when housing is purchased with a mortgage, an ordinary taxpayer is entitled to a mortgage deduction. It is 13 percent of the interest paid to the bank on the loan. It should be noted that the refund amount is not limited. in our country are quite high. Therefore, this type of subsidy is quite popular and effective among the population.
For individuals there is also the so-called tax deduction by mortgage. The law provides for the right to such a benefit for each taxpayer. In the case when potential borrower No Money for the first installment on the loan, then under certain conditions the bank is ready to allocate funds for mortgages. At the same time, the taxpayer must meet a number of criteria, such as: the presence of an official stable income, the absence of outstanding loans and the absence of a criminal record. In this case, you can count on the security of existing housing. but Russian banks usually give out a loan in the amount of about 80% of the value of the mortgaged housing.
Loan subsidy program
To increase the domestic market, the Russian government has developed a state program to subsidize loans. The program has been developed in various directions:
- main functions and tasks of the loan subsidy program in Russia:
- attracting banks and investors to the manufacturing sector;
- support for domestic industry and agriculture;
- development of the domestic market;
- social support of the population;
- support for small and medium-sized businesses (entrepreneurial sector).
The most effective in our country was the issuance of subsidies for car loans to individuals and legal entities. This stimulated the domestic car manufacturer, increased demand, and revived the car market. By law, any taxpayer can count on such compensation. It should be noted that when allocating such compensation, the state puts forward a number of conditions for the borrower. For example, when subsidizing a loan to buy a car (car loan), preferential program intended only for domestic models with limited characteristics. The loan is issued only in rubles and not more than 750 thousand. That is, the state, for its part, strictly regulates the conditions for issuing such financial assistance.
In Russian society, there are both positive and negative opinions about credit subsidies. Someone believes that subsidizing loans is just a trap to lure a potential borrower to take a loan from the state. But we must admit that this is a great help from the state for the population. The allocation of this type of subsidy allows people to make large purchases on favorable terms for them. For example, in last years It has become popular for young families to buy housing on a mortgage. Under certain conditions, the state may provide a subsidy to the borrower for partial repayment loan rates. Due to the fact that in Russia there is Government program to subsidize interest rates. In particular, the borrower will receive a one-time return of 13% of the interest paid to him on the loan taken.