Accumulative housing system for the military. The order of inclusion in NIS
Greetings! Today we’ll talk about what a military mortgage is and for whom it is intended. Military mortgages are a relatively new housing program for military personnel and their families. Military mortgage 2019 is one of the effective tools to solve 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, as well as current offers of banks for the current day.
How is a military mortgage different from a regular one? The military mortgage for military personnel differs from the classical one in that while the borrower is in the military service, his mortgage debt is repaid by the Ministry of Defense, and not by 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 the military mortgage is as follows: the state annually transfers additional subsidies to the account of a soldier 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 more expensive, he can add his own savings to this amount. On a military mortgage, you can purchase both secondary housing and just under construction real estate, and even redeem a share in the construction of a residential complex.
In order to become a member of the military mortgage, it is necessary, first of all, to register in the so-called funded mortgage system (NIS). This system provides military mortgages and is designed to ensure that during the participation of a soldier (and borrowers from 22 to 45 years can participate in this program), sufficient funds must accumulate in his account in order to buy real estate with an average area 54 square meters. According to the Ministry of Defense, such an area is enough for spouses to live with a child.
All military personnel are allowed to participate in the NIS, but there are restrictions for ordinary soldiers: they get the opportunity to become participants in a 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 credited to participate in the program, some of them need to submit a report on a military mortgage. A military mortgage for military personnel in 2019 can also be issued a second time.
There is a myth that a borrower can buy a house on a military mortgage only at the place of registration or service - but this is not so. There are no restrictions on the territorial location of “official housing” in military mortgage lending.
Such a scheme is often used. Since you can buy housing in any region, a soldier takes an apartment in Moscow or Moscow region. Then he rents it, and he uses office housing for living. Thus, a kind of additional pension is obtained from the state for the period of service.
Requirements are presented only for the types of housing: you can not buy apartments in dilapidated houses, in "communal apartments" and in "Khrushchev".
There are also no restrictions on the choice of a bank that will provide a loan on a military mortgage: the register of military mortgages currently totals 77 Russian banks. You can find the most advantageous offers 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. Do not forget that there is a tax deduction for military mortgages. You can get it, but only with 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 at the expense of funds in the NIS account, then you can get a tax deduction of up to 260 thousand rubles from the remaining two million. Will also be available repayment of interest on a mortgage loan.
Military mortgage judicial practice. Judicial practice on military mortgages shows many cases when disputes regarding the dismissal of a borrower from the Russian army broke out, including those related to changes in the conditions for concluding military mortgage agreements. 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).
A bad mortgage military mortgage may also be issued by a bank. Here the main hitch is to find a bank that agrees to give a loan on such conditions, but if you want, you can get it. described in detail in our last post.
A military mortgage in case of death of a soldier can cause serious damage to his widow, but only if he served in the Russian army for less than ten years. If the borrower had a length of service of more than ten years, the state continues to pay contributions for him on a military mortgage after his death.
Military mortgage pros and cons.
Pros:
- The state pays payments
- Low rate
- Almost do not pay attention to credit history
Cons of a military mortgage:
- Difficulties with the design and timing.
- Limited number of banks
- Small amount
- Tax deduction issues
- Although military mortgage approves of shared construction, there are restrictions on the choice of developers and houses.
- The owner is only military.
Amount
For 2019, the amount for a military mortgage in the amount of 280 009,7 . Based on this amount, a monthly payment will be calculated, which will be repaid for the military personnel of the state. In 2019, this is 23,334.14.
How much money do military men give in a military mortgage? The conditions of a 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 soldier, his experience, 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 the total loan amount, although some banks meet first installments of at least 10%. Interest rates are 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 later than 2005. They are automatically credited to participate in the NIS.
- An officer who received an officer rank earlier than 2005: they need to submit a report in order to take part in the NIS. A sample military mortgage report can be requested at the duty station.
- Midshipman or warrant officer, service life of more than three years.
- Ordinary soldier, sergeant, foreman, sailor, etc.: people with these ranks can become participants in the program at the conclusion of at least a second service contract.
It is not necessary to use a military mortgage as soon as possible. In any case, the Ministry of Defense replenishes the account of a soldier during the whole time of his work. A participant in a mortgage for the military can use the accumulated funds immediately and buy an apartment or a house, bypassing the stage of concluding a mortgage agreement with a bank. But for this advantageous receipt of mortgage funds, a soldier must have appropriate reasons. For instance:
- The borrower has a length of service of at least 20 years.
- The borrower leaves, having served for more than 10 years, and without having his own home. At the same time, the family members of the borrower do not own any real estate. If a serviceman owns real estate, you do not have to rely on benefits.
- The borrower may receive savings for family reasons, for health reasons or in connection with decisions made at the place of his service (for example, in connection with a transfer).
If a soldier is in at least one of the above situations, then after submitting the appropriate report, within three months all funds accumulated during the service will be credited to his account. Under the same system, a military mortgage is issued for pensioners.
How to get a mortgage
How to get a military mortgage: a step-by-step scheme.
To apply for a military mortgage, the borrower must be registered with 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 loan repayment period based on his age: at 45, the military mortgage must be repaid.
So, if you are suitable to participate in the military mortgage program, you can apply for a loan in several stages:
- First of all, you should submit documents to the bank of your choice (there may be several). You can, for example, leave an online application on the bank’s website. As a rule, banks require a passport, application and certificate of an NIS participant, but each additional financial institution may have its own additional requirements. A mortgage without a military card is not possible.
- The bank manager draws up an application and sends it to make a decision. If all requirements for the borrower are satisfied, the bank confirms the application, which is immediately reported to the client.
- Next, you need to collect all the documents required to obtain a military mortgage. These may include: documents of the borrower, documents of the seller, contract of sale, some documents related to purchased housing and so on.
- The next step is a real estate bank decision. Acquired housing must meet the requirements of a military mortgage. If the bank does not have any complaints about the object, then it makes a positive conclusion.
- Then, the borrower must sign all documents, including a loan agreement. Mortgage Bank sends a package of signed documents to Rosvoenipoteku.
- If there are no errors in the documents, then Rosvoenipoteka signs them for its part and sends them back to the bank. Rosvoenipoteka also immediately transfers funds to the soldier’s account for the down payment. In the event that the borrower was not able to get a military mortgage for the amount that he was counting on, he can add funds to buy out the apartment from his own savings.
- After carrying out these operations, a soldier may register ownership of housing. Documents confirming this registration, he must transfer to the bank.
- As soon as the bank receives these documents, it sends them to Rosvoenipoteka and issues mortgage funds to the borrower. From this moment, Rospoenipoteka begins to pay the mortgage debt of a military man until his full payment or until the employee is dismissed. In this case, the borrower will have to pay the entire loan independently and in full.
Bank Terms
The best military mortgage offers from Russian banks:
Bank | Rate,% | Amount, thousand rubles | PV,% | The rate on finished housing,% | Note |
---|---|---|---|---|---|
AHML | 9 | 2410 | 20 | 9 | |
Bank of Russia | 10,4 | 2270 | 10 | 10,4 | |
VTB 24 | 9,3 | 2435 | 15 | 10 | if the rate leaves the NIS + 0.3% |
Gazprombank | 9,5 | 2330 | 20 | 9,5 | |
Bank Zenit | 9,9 | 2800 | 20 | 9,9 | It is possible to apply for a mortgage of up to 5 million under the special Family program. In the sampo complex, the rate is 9.5 |
Bank opening | 10 | 2300 | 20 | 10 | |
Rncb | 9,5 | 2300 | 10 | 9,5 | |
Russian Agricultural Bank | 10,75 | 2230 | 10 | 10,75 | |
Sberbank | 9,5 | 2330 | 15 | 9,5 | |
Communication Bank | 10,9 | 2220 | 20 | 10,9 | |
Absalut Bank | 9,5 | 2900 | 20 | 9,5 | |
Bank "Saint-Petersburg | 10,9 | 2200 | 15 | 10,9 | |
Uralsib | 10,6 | 2600 | 20 | 10,6 |
Changes in 2019 is the Zenit Bank Family Credit program. According to it, if both spouses are NIS participants, then they can get a maximum loan of up to 4.6 million for primary and 4 million for secondary. Additionally, if you use the “Mortgage +” option (pay part of the mortgage with your own money), the amount increases to 5 million . and 4.5 million, respectively.
An online mortgage application for these programs is available. link. Section "Mortgage". You do not have to stand in line for a bank consultant.
Changes to the program occur regularly; therefore, we recommend subscribing to project updates.
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More and more military personnel are becoming participants in the Accumulative-Mortgage System, which, according to the plans of the Ministry of Defense of the Russian Federation, in a few years will completely replace other housing options. the site has figured out what risks and pitfalls can await the military when buying real estate under the military mortgage program.
Affordable mortgage housing - on paper
It is no secret that in most cases, servicemen acquire economy-class housing under a military mortgage program. But few wondered why. Let’s figure out how much a participant in a funded mortgage system (NIS) can count on when choosing a home and what it depends on.
The actual amount available for acquiring housing on a military mortgage consists of several points: the funded part, annually credited to the account of a participant in the funded mortgage system; military mortgages provided by the bank; own money of a serviceman.
In order to use the funds accumulated in the account, it is necessary to issue a certificate of eligibility for a targeted housing loan. This can be done already three years after the inclusion of a soldier in the NIS program. However, the military’s mortgage account for this period will accumulate quite a bit of savings. For example, the cumulative contribution in 2016, as well as last year, is 245.88 thousand rubles.
The maximum loan amount provided under the program by the bank is 2.3 million rubles. Although in most cases, according to the interlocutors of the agency, the bank even approves a smaller amount.
The money received in total will be enough to buy an economy class one-room apartment in a new building in St. Petersburg or in the vicinity of Moscow. To purchase an apartment more interesting will have to wait and try to save more yourself.True, the situation was somewhat facilitated by the Federal Law on the Accumulative-Mortgage System, which entered into force in May 2016. Now the military can acquire housing not only at the expense of funds in their own account, but also combine them with the savings of the spouse, if he is also a soldier and a member of the NIS.
Take what they give
The range of apartments available for purchase under the military mortgage program is also very limited. To obtain accreditation, an object must meet certain requirements of banks and Federal State Institution Rosvoenipoteka. This applies to both apartments in new buildings and housing purchased in the secondary market.To obtain accreditation, the readiness of primary market facilities should be above 70%, and the implementation of residential premises should be carried out according to the DDU. With housing in the secondary market, everything is no less complicated: the house should not be emergency and have wooden floors, and in the apartment itself there should not be uncoordinated redevelopments.
By the way, all construction projects in Russia available for purchase on a military mortgage are listed on the website website.
Certificate validity is limited
Another nuance worth paying attention to is the validity period of the NIS certificate. It is only 6 months from the date of signing.After the expiration date, the document will have to be reissued, which may take several months. In order to draw up a certificate of the right to receive a targeted housing loan (CJL), a NIS member must submit a report addressed to the commander of the military unit. After that, the military data will be transferred to 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 issued.
If you make changes to the document, the process may be delayed even more. So one of the interlocutors of 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.
Selected housing in the secondary market? Get ready to pay
When buying a home in the secondary market, a soldier faces a lot of additional expenses. Firstly, you have to pay for the services of a realtor. It is difficult and dangerous to engage in the selection of real estate on your own - you need a lot of free time, and scammers come up with more and more schemes of deceiving ignorant citizens every day. Secondly, you will have to pay for various related services: real estate appraisal and paperwork (for example, sales contracts and targeted housing loans)."About 112 thousand was left purely for execution, that is, only for documents ..
The Rosvoenipoteka explained to the agency that all of the above agreements can be filled out absolutely free of charge on their own. “The ZHZZ contract is filled out independently. It is downloaded from the Rosvoenipoteka website and there is no need to pay any money for it,” the structure emphasized.
Payment of insurance premium is the obligation of a citizen of the Russian Federation
Regardless of the cost of paperwork, the insurance participant will have to pay the insurance premium out of pocket. And this, no less, an average of 5,000 rubles a year.The Rosvoenipoteka explained that insurance payments are a citizen’s obligation that is not related to NIS. "This is a requirement of the mortgage law. Any citizen of the Russian Federation, when registering a dwelling under a mortgage agreement, is obliged to insure property and conclude a property insurance contract for housing. Even if you take a regular mortgage loan, you must enter into a property insurance contract, as you are a user of collateral property, which therefore, the soldier himself pays here, this is not connected with NIS, "the representative of the department explained.
The amount of savings does not depend on the size of the family
Another feature of the program is that the amount of accumulation in the NIS does not depend on the number of members of the military family. For a large family with 2 to 3 children, this can be a problem. In order not to huddle in a four-room apartment, you will have to pay extra from your own pocket, if, of course, there is something.Paperwork at the bank may take more than one month
Despite the fact that the program has been worked out and is being widely implemented throughout the territory of the Russian Federation, paperwork at the bank may take several months. This is the information that the site’s interlocutors, who have already bought or are in the process of registering housing under the military mortgage program, reported.The total duration of approval and execution of all necessary documents in the bank can reach 2 - 4 months.
Indexing of annual accruals to a member of NIS
Let us return to the annual accruals to the account of the NIS participant, which go to repay the mortgage. According to the military, the bank initially pledges an increase in annual payments. But no one knows for sure whether the indexation of the annual accrual to the NIS participant’s account will correspond to an increase in the amount of payments, which means that it is quite possible that the military will have to pay the difference at its own expense. Doubts are also caused by the fact that in 2016 the funded contribution was not indexed, although in 2008-2015 the amount was indexed annually.Rosvoenipoteka emphasized that a similar situation could not arise. Payments are made in accordance with the schedule approved when applying for a loan. "The amount that the state pays is approved annually by the Federal Budget Law. The state pays 1/12 of this amount each month. The bank calculates the payment on the basis of the amount set in the budget," the source said.
The apartment is easy to lose
Perhaps the most important risk when buying a home under a military mortgage program is the fact that a military man can easily lose his apartment upon early dismissal from service, even if the dismissal occurred for reasons beyond his control (for example, in connection with the dissolution of the unit).In case of dismissal with a term of service of less than 10 years, the NIS participant must return all the funds of ZHZZ allocated to him for the purchase of housing from his own pocket, and repay the remaining loan independently. The presence of preferential grounds in this case will not play any role. Moreover, you need to return the money no later than 10 years from the date of dismissal, taking into account interest equal to the refinancing rate.
Otherwise, both the bank and Rosvoenipoteka will demand money in court, and if the military cannot repay the debt, they will take away the double-pledged housing. If a soldier contributed his own funds when buying an apartment, no one will return them upon early termination of the contract.
If the military service is more than 10, but less than 20 years, then the used accumulative funds remain with the military, however, the NIS participant pays the rest of the loan on its own.
If a military man with a length of service of more than 10 years is dismissed on preferential grounds, then he has no financial obligations to the bank - the state will repay the mortgage. The “valid” grounds for dismissal may be a reduction in the military unit, health problems, or reaching the age limit of 45 years.
Upon termination of employment for more than 20 years, funds ZHZZ not subject to return. True, there is one nuance to which one of the interlocutors of the agency drew attention: if at the time of issuing a military mortgage, a soldier had only 10 years to retire (before reaching a length of service of 20 years), and the mortgage is designed for 12 years, then payments from The budget fully covered the mortgage, another two years the military will need to serve beyond the due date.
If the military man, having a length of service of 20 years, has not used the NIS funds, he gains the right to use personal savings at his discretion.
Additional documents from the spouse
If you add your own funds from the spouse of a NIS military member, they may require additional documents, namely a notarized statement stating that the money paid by the military family is not jointly acquired property.This is due to the fact that during a divorce, the ex-spouse of the military often succeeds in achieving the division of an apartment purchased with a military mortgage. Although the official site of Rosvoenipoteka emphasizes that the common property of the spouses does not include payments that have a special purpose or housing purchased through these payments, the court often has similar claims.
Thus, if the NIS participant does not fulfill the program conditions, his spouse will not be able to claim the collateral, that is, the acquired apartment.
Military mortgage
Military mortgage was developed by order of President of the Russian Federation in 2004, as special program for the military, providing the opportunity to buy housing with a loan.
In 2016, the amount accrued by the state to the NIS participant was245880 rubles.Savings on military mortgages in 2017 will increase. The amount of accruals will be 260141 rubles . The amount of the contribution, as can be seen, in 2017 increased compared to the previous year.
Inclusion of a serviceman in the register of military mortgages
A soldier who has reached 25 years of age may become a member of the accumulative-mortgage system (NIS) in accordance with the Federal Law of the Russian Federation of August 20, 2004 N 117-ФЗ “On the accumulative-mortgage system of housing for military personnel”. After three years of participation in the NIS, he can acquire housing without waiting for the end of the service. Obligatory private owners of NIS are officers and warrant officers who have concluded the first military service contracts since January 1, 2005. All officers enlisted or volunteered from the reserve after 01/01/2005. On a voluntary basis, NIS participants can be persons who have received a higher military education and the first military rank of an officer after 1.01.2005., And the contract must be concluded before this date. Officers and warrant officers who signed the first contracts before the entry into force of the law on military mortgages. Also sergeants, foremen, soldiers and sailors who entered into a second contract after January 1, 2005 may become voluntary participants in the NIS program.
The right to participate in the NIS is completely independent of the living conditions and marital status of the participant.
Those who are obligatory participants of the “military mortgage” receive a written notification of their inclusion in the register of NIS participants, and a savings account is opened in their name. Voluntary participants must write a report addressed to the commander where they serve. Signed comes in Ministry of Defense of the Russian Federation, after that - inFGKU Rosvoenipoteka , where the certificate of the right of the NIS participant to get a housing loan is drawn up.
The registration date of such a document is considered the starting point for the receipt of funds to the savings account (according to the Federal Law, the inclusion of a person in the register of NIS participants must occur no later than 10 days after writing the application). After receiving the certificate, the participant must find housing for purchase within 6 months. If this fails, then the certificate must be passed by filling out the appropriate application at the nearest Rosvoenipoteka branch. To purchase your favorite accommodation you will have to issue a new certificate.
Money from the federal budget is used to replenish military service savings accounts, and money from investing funds in the account is also credited to the account. The savings contribution is set for each year, taking into account inflation. You can receive the amount from the account after three years of participation in the NIS. Funds can be spent on the purchase of residential real estate, payment or repayment of a mortgage. If a member of the NIS has not used the funds in the savings account, then after 20 years of service he can use them at his own discretion. A member of the armed forces who have served 10 years or more and who have been dismissed after reaching the age limit for service or for health reasons, or in connection with , or for family reasons. The close relatives of the NIS participant will have the same right to receive money as a result of his death, death, or recognition of him as missing.
Exclusion from the NIS register of military personnel
In case of early departure from the service, the NIS participant will be required to pay the entire targeted housing loan, i.e. down payment and all monthly payments to repay a mortgage loan, as well as pay interest on the use of the loan. You can repay the loan within 10 years. Only after full payment of all debts the security deposit in favor of the state will be withdrawn. Also, the loan debt to the bank can be repaid at the expense of personal money, but the bank in this case has the right to independently change the conditions (increase the loan rate, reduce the repayment period). The deposit in favor of the bank will be removed only after full repayment of the loan.
A preferential military mortgage can only be as long as the borrower serves in the Armed Forces. In case of early dismissal of a serviceman on the grounds for which he is not entitled to use the accumulated funds, additional interest payments will be charged to him based on the bank rate applicable at the time of signing the contract.
Military Mortgage Apartments
The apartment can be chosen in any city: Moscow, St. Petersburg, Yekaterinburg, Samara, Rostov-on-Don and others regions and settlements of the Russian Federation. Between the NIS participant and the seller, a contract of sale of residential premises is concluded. Since 2015, you can buy both primary housing and an apartment in the secondary market. The size of the monthly payment is 1/12 of the accumulative contribution of the NIS participant.Which banks operate on military mortgages in 2017?
Until the end of 2011, mortgage loans under the Military Mortgage program were issued only by partner banks of AHML. In 2017, the following banks and credit institutions operate on military mortgages: AHML, Sberbank of Russia,Gazprombank, Russian Agricultural Bank, Svyaz-Bank, VTB24, Bank ZENIT. Currently, Sberbank of Russia issues loans for military mortgages to the military at 15.9%. The military conducts analytics of banks and credit programs for military mortgages. As a rule, NIS participants choose a reliable bank that provides a mortgage at a lower interest rate.
When calculating the loan term, the bank proceeds from the fact that at the time the borrower reaches 45 years of age, the loan must be repaid. However, at the same time, the loan term should not exceed the period specified in the Certificate of eligibility for a participant in the accumulative-mortgage system to receive MHL. The minimum loan term is 36 months.
Military mortgage: loan amount in 2017
How much do banks give on military mortgages in 2017? This question excites many participants. The maximum loan amount for a military mortgage in 2014 amounted to 2,300,000 rubles, the minimum - 300,000 rubles. These payments are the same for all the military and are annually indexed by the state.
Amount of funded contributions on military mortgages since 2005:
1 | 2005 year | 37 000 rub. |
2 | 2006 year | 40 600 rub. |
3 | 2007 year | 82 800 rub. |
4 | 2008 year | 89 900 rub. |
5 | 2009 year | 168 000 rub. |
6 | 2010 year | 175 600 rub. |
7 | 2011 year | 189 800 rub. |
8 | 2012 year | 205 200 rub. |
9 | 2013 year | 222 000 rub. |
10 | 2014 year | 233 100 rub. |
11 | 2015 year | 245 880 rub. |
11 | 2016 year | 245 880 rub. |
Military personnel receive savings on a military mortgage in 2017 on a nominal account monthly in equal installments, as 1/12 of the amount of the annual accrual.
Discussion of issues on the military mortgage and legal advice are conducted on ours. You can also find news on the military mortgage in 2017 in the sections of the forum.
Housing for servicemen of the Armed Forces of the Russian Federation. Accumulative-mortgage housing system for military personnel
The issues of providing housing for servicemen and members of their families at the present stage of development of the military organization of Russian society are acquiring special significance. On the one hand, this is due to the optimization of the structure of the Armed Forces, and on the other hand, the improvement of the system of comprehensive provision of military personnel with everything necessary for the fulfillment of their duties.
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 members of their families. Currently, 122.4 thousand military personnel and members of their families still need permanent or official housing.
Housing certificates, like the mortgage-funded housing system, are not able to completely solve the problem. The price per square meter of housing included in these documents is much lower than its market value, which does not provide the vast majority of military personnel with the opportunity to improve their living conditions.
President of the Russian Federation Dmitry Medvedev, while at a military training in the Barents Sea last October, 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 should cover 100 percent of the cost, and we will proceed from this. Because it’s better to do 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 Social Development Strategy of the Armed Forces of the Russian Federation for the period until 2020. In accordance with it, a Strategic Plan “Improving the Housing Conditions of Armed Forces
Forces of the Russian Federation and members of their families for the period until 2020 ”, the main objectives of which are:
1) the provision of permanent housing to servicemen who entered into a contract before January 1, 1998;
2) the creation in 2012 of a service fund for the staffing of military units and formations;
3) ensuring the functioning of the accumulative-mortgage system of housing for military personnel.
To solve the 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 underway to place government orders for the acquisition and equity participation in housing construction at the expense of funds received as a result of the sale of released real estate.
The general order of housing for military personnel is regulated by Article 15 of the Federal Law of the Russian Federation “On the Status of Military Men”. On the basis of this legislative act, the state guarantees the provision of military premises to military personnel 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 dated February 15, 2000 “On the Procedure for Providing Housing in the Armed Forces of the Russian Federation”.
The Housing Code of the Russian Federation (LC RF), enacted on March 1, 2005, divides the state housing fund, depending on the purpose of use, into a housing fund for social use and a specialized housing fund. The provision of military premises and socially living members of their families with housing for social use housing (under social employment contracts) is carried out in accordance with Articles 51 and 57 of the RF LC. The grounds for the provision of housing to citizens under social rental agreements are determined based on the level of provision of their housing. The total total area of \u200b\u200ball residential premises occupied by military personnel (or) members of their families under social tenancy agreements and (or) owned by them on the basis of ownership is taken into account when registering those who need to improve their living conditions, and when determining the size of residential premises provided under a social contract of employment.
The residential premises of the specialized housing fund shall be provided to military personnel and members of their families living together with them who are not provided with residential premises in the respective locality, in accordance with the norms provided for by federal laws and other regulatory legal acts of the Russian Federation.
In the absence of official housing, military units rent residential premises or, at the request of military personnel, pay them monthly compensation for renting (renting) 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 dated December 31, 2004 “On the procedure for the payment of monetary compensation for the rental (lease) of premises for military personnel - citizens of the Russian Federation who are under military service under a contract, Russian citizens who have been dismissed from military service, and their family members "(With subsequent amendments and additions) it was 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 together with a soldier or a citizen who has been dismissed from military service.
In accordance with paragraph 8 of Art. 15 of the Federal Law of the Russian Federation “On the status of military personnel”, upon receipt of a dwelling, the following servicemen are entitled to an additional total area of \u200b\u200ba dwelling of 15 to 25 square meters in size:
Officers with the military ranks of a colonel, equal to him and above, who are in military service or have been dismissed from military service upon reaching the age limit for military service, health status, or in connection with organizational and staffing events;
Commanders of military units;
Military personnel with honorary titles of the Russian Federation;
Military personnel - teachers of military educational institutions of vocational education, military departments at state educational institutions of higher education;
Military personnel - scientists with academic degrees or academic ranks.
According to Art. 23 of the Federal Law "On the status of military personnel" military personnel whose total military service is 10 years or more, who need to improve their living conditions in accordance with the norms 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, or in connection with organizational and staffing activities without providing them with accommodation.
A soldier whose total duration of service is 10 years or more, who is subject to dismissal from military service upon reaching the age limit for military service, health status or in connection with organizational and staff activities in the last year of military service of the Ministry of Defense (other 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 residential premises in the chosen after dismissal from military service place of residence in the manner determined by the Government of the Russian Federation.
When providing housing to people with disabilities, the recommendations of an individual rehabilitation program for a person, their state of health, as well as other circumstances (number of storeys, approaching a medical institution, the place of residence of relatives, relatives, etc.) are taken into account.
The problem of providing housing for military personnel since 2004 has been resolved as part 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 Decree of the Government of the Russian Federation No. 700 dated November 20, 2003.
The rules for the issuance and redemption of state housing certificates as part of the implementation of the subprogramme were approved by Decree of the Government of the Russian Federation No. 522 of October 7, 2004. It is considered as one of the most effective mechanisms for solving the housing problem.
The account manager (participant in the GHS subprogram) has the right to purchase residential premises on any primary or secondary housing market on the territory of a constituent entity of the Russian Federation indicated in the certificate from any physical and legal persons (one or more).
In the coming years, the Ministry of Defense of the Russian Federation provides for solving the housing problem of military personnel in the following main areas:
Providing housing for apartmentless servicemen and members of their families who entered into a contract before January 1, 1998. Their obligations will be repaid under the current legislation by providing housing for permanent residence. Servicemen who entered military service after January 1, 1998, are provided with official housing 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;
Formation of a fund of residential office space for the staffing of military units and formations. Service housing here will be provided only for the period of military service;
Creation of an effective market mechanism to realize the rights of military personnel to receive housing at the end of the service.
At the same time, it is planned to use modern and effective approaches, including:
The provision of state support to military personnel for the acquisition of housing with the help of mortgage loans;
Creation of conditions for attracting investors in order to form a housing fund outside military camps and to deploy military personnel on a rental or hiring basis;
Improving the management of existing housing stock.
Until 2015, it is planned to create an official housing fund in the amount of 334 thousand apartments, which, taking into account the existing ones, will amount to 480 thousand under the planned staffing of the RF Armed Forces.
The main sources of the formation of the office housing fund are:
Construction and purchase of it according to its own plan of the Ministry of Defense of the Russian Federation, primarily in closed military camps;
Optimization of the existing official housing stock, as well as obtaining housing through the implementation of investment projects;
Formation of a rental housing fund for the deployment of military personnel in large cities and administrative centers.
First of all, the formation of an official housing stock is provided for at the points of deployment of military units and units of constant combat readiness.
In the future, this fund will be created in other military units, subject to transfer to the contract method of manning.
Along with additional measures to increase appropriations allocated to finance housing construction, a transition to a funded housing system for military personnel will be carried out.
Due to the fact that the previously existing housing system for military personnel came into conflict with the economic capabilities of the state, the Russian Ministry of Defense chose 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 servicemen and their families in need of housing, of which about 22 thousand are apartments for permanent residence and 10 thousand office apartments.
In this regard, the former Deputy Minister of Defense of the Russian Federation for financial and economic work, Lyubov Kudelina, in March 2009 stated that “housing, construction and repair of military and social infrastructure are priority areas for allocating funds in the 2009 budget, and allocations are made for these purposes in the amount of 81 billion rubles. Housing costs will not be reduced under any circumstances. ”
Accumulative-mortgage housing system for military personnel
On January 1, 2005, the funded mortgage housing system began to operate.
The accumulative-mortgage system was not a replacement, but a supplement to the current programs for providing housing for military personnel.
The legal foundations of the new system are defined by Federal Law No. 117-ФЗ dated August 20, 2004 “On the funded mortgage system for housing for military personnel”.
At present, more than 70 thousand military personnel are included in the register of participants in the accumulative-mortgage system. They have registered savings accounts.
The main objectives of the accumulative-mortgage system for providing military personnel with housing are:
1. The transfer of government obligations to military personnel in the housing sector from a natural form (providing an apartment) to money, which will expand the ability of military personnel to independently make decisions on the choice of place of residence, quality and size of the housing purchased;
2. The possibility of acquiring housing in the property after three years of participation in the mortgage-savings system through mortgages;
3. The transition from providing military personnel at the state expense with separate apartments to the accumulation of funds for the acquisition of housing in the property at the chosen place of residence;
4. The stabilization and consolidation of military personnel, primarily officers, on the basis of encouraging military personnel to continue military service.
The solution to these problems is based on the following principles:
The basis for inclusion of a serviceman in the register of participants is an appeal prepared in writing with a request to do so;
The annual transfer of funds to registered savings accounts of military personnel for the acquisition of housing; annual accruals will be equivalent to approximately 3 square meters. meters of living space. At the same time, it will be oriented (indexed taking into account inflation) to accumulate funds sufficient to acquire an apartment with a total area of \u200b\u200b54 square meters in 20 years. meter;
The accumulated funds at the request of a soldier can be used after three years after its inclusion in the accumulative-mortgage system for the purchase of housing in the property using a targeted housing loan (mortgage). The loan is provided by the bank against the security of the purchased housing. At the same time, the process of accumulating funds continues, gradually repaying the received mortgage loan. If, even after repayment of the loan, the serviceman continues to serve, then due to the newly accumulated funds he can increase the comfort and size of the acquired housing;
If a serviceman leaves before reaching 10 years of service, 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 staffing measures; health status, etc.), he has the right to receive accumulated funds to solve the housing problem on his own.
It is supposed to carry out the accumulation of funds according to the following scheme. Based on the Federal Law “On the Accumulative-Mortgage System for the Housing of Military Personnel”, appropriations are made annually in the federal budget to be credited to registered savings accounts of system participants.
The managers of these funds are the federal executive bodies, in which the law provides for military service. At their request, budget funds are transferred to a separate account of a specially created authorized federal system governing body.
To ensure the functioning of the system, the Federal State Institution “Federal Office for the Accumulative-Mortgage System for the Housing for Military Personnel” was created. It takes into account the funds transferred from the budget to the registered savings accounts of the military, transferring them to trust management so that the money coming into these accounts at least retain their purchasing power. The Federal Department was also entrusted with the task of providing military personnel with funds in the form of targeted housing loans for the purchase of housing, including through a mortgage loan.
On behalf of the serviceman, they can be sent to pay for the housing they purchase or the down payment on a mortgage loan.
The accumulative mortgage system gives him the opportunity to choose between accumulation for the entire time of service and the acquisition of housing during the service with the help of a mortgage loan.
Participants in the accumulative-mortgage system are:
Persons who graduated from military educational institutions of vocational education and in connection with this received the first military rank of officer after January 1, 2005;
Officers called up for military service from the reserve or voluntarily enlisted for military service from the reserve and entered into the first contract for military service after January 1, 2005;
Warrant officers and warrant officers upon reaching their three years of total duration * ") of military service under a contract, subject to the conclusion of the first contract for military service 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, expressed a desire to become participants in the funded mortgage system.
In this case, the 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 at the initiative of the military man, he will be obliged to repay the amount of the mortgage loan at the expense of personal funds and at the same time he 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 accumulated funds for the entire period of service. Using a mortgage allows you to fix the price and area of \u200b\u200bhousing and avoid lagging growth in savings from rising housing prices. This is especially true today for large administrative centers, in which there is no fund of office premises. Subsequently, housing acquired through a mortgage loan will remain in the possession of the soldier, and if he is transferred to a new duty station, he remains entitled to receive official housing.
The down payment for the purchase of housing will be financed by savings in the first years (at least 3 years) in the personal account of a soldier. He uses further annual state contributions for mortgage payments. A serviceman can at any time take a mortgage loan from the bank to purchase an apartment with personal savings of 30% of the price of the apartment for an initial payment.
In the case of involvement of personal savings, at the request of a serviceman, you can either approximate the purchase date or increase the area of \u200b\u200bpurchased housing.
Thus, the advantage of the accumulative-mortgage system in comparison with the current procedure lies in the targeted use of funds allocated to solve the housing problem, and in establishing the dependence of the quality of purchased housing on the duration of military service.
Only an integrated approach to resolving the housing issue in implementing the existing obligations of the state to provide permanent housing for dismissed military personnel, forming a fund of office housing for military personnel continuing their service, and the transition to a funded mortgage housing system will contribute to the creation of the Armed Forces that meet the requirements of the 21st century.
In the introduction, the relevance of the topic under study should be indicated. Given that she is interested in almost all students, the head of the public-public training group needs to be creative in studying the material. It is advisable to construct the lesson in such a way that during the course of the session it is possible to tell students about the situation with the provision of military personnel with living quarters in the garrison (the okrug and the constituent entity of the Russian Federation) in which they perform military service.
Opening the first question of the lecture, it is necessary to draw the attention of students to the fact that servicemen who are to be provided with housing are divided into those who signed the contract before January 1, 1998, and those who signed it after this date. It is important to explain to listeners what the difference between these categories is.
If possible, invite representatives of the housing commission of the military unit and specialists who are involved in housing for military personnel in the unit (including the organization of the accumulative-mortgage system) to the lesson.
In conclusion, it should be noted that housing for military personnel is of particular importance in ensuring the combat readiness and combat readiness of the Armed Forces. Summarize the lessons and draw brief conclusions.
2. Federal Law No. 117-ФЗ dated August 20, 2004 “On the accumulative-mortgage system of housing 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 the payment of monetary compensation for the rental (lease) of living quarters for military personnel - citizens of the Russian Federation who are under military service under a contract, Russian citizens who have been 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 dated February 15, 2000 “On the Procedure for Provision of Housing in the Armed Forces of the Russian Federation”.
6. Gordievsky A. Housing for servicemen 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 "Landmark" magazine, Aram Khachatryan
More recently, in order to get their own housing, officers had to stand in line for an apartment, like other citizens of our country. At the same time, abandoning the wrong option, they could again be in the "tail" of the list.
So that the military can be confident in the future and know that they and their families are guaranteed the receipt of housing of their own choice, moreover, in the coming years, and not at the time of retirement, and also with the aim of attracting young people to military service under the contract , The Ministry of Defense and the Government of the country developed a funded system, which began to operate in 2005.
The accumulative mortgage system allows you to become the owner of your own housing in the first years of service.
The system includes all aspects of this issue, including legal, financial and organizational relations. The program can be used by servicemen of any kind of troops and ranks. All issues are regulated. Federal Law "On the Accumulative-Mortgage System of Housing for Military Personnel" No. 117. The law reflects the main goals of the program, the principles of its operation, the requirements for the participants, the formation of the registry, inclusion and exclusion from it, as well as the mechanism for implementing the program are indicated.
System implies list (registry) formation military personnel who have joined the program. Each has a separate personal account, where every month funded contributions are transferred. After that, a loan from the federal budget can be provided, its amount is equivalent to the funds that a program participant could collect from funded contributions, provided that the service is at least twenty years old. Funds are paid up to three months after the participant has submitted an application. By law, you can use the program only once.
Funds are credited based on the Government Decree of November 7, 2005 “On the functioning of the accumulative-mortgage system of housing for military personnel” No. 655.
In addition to the Federal Law No. 117, the “military mortgage” is based on certain provisions and resolutions of the Bank of Russia, the law “On the status of a serviceman”, “On the mortgage (pledge of property)” and other regulations.
Implements the functioning of the program FGUK "Rosvoenipoteka"which reports to the Ministry of Defense.
The procedure for financing and charging funds
During the entire service period, monthly contributions are taken into account on the registered accounts of program participants.
Their amount cannot be constant: annually indexing occurs taking into account the level of inflation. So, in 2005, from the beginning of the program, it was 37 000 rubles a year. In 2014, due to the crisis, indexation decreased, and in 2016 the government refused to index contributions at all. The servicemen immediately felt this on themselves, since as a result they were “owed” to credit organizations up to 1 million rubles. indexation has resumed, and today the amount of the annual contribution is 260 141 rubles.
In addition, income from investing funds is credited to registered accounts every quarter. The choice of companies that will manage the funds, their investment, produces Rosvoenipoteka. The servicemen themselves cannot influence this, since they do not belong to the funds until they are paid.
Who can become a member
The program can enter servicemen of different categories, regardless of ranks and belonging to the military branches.
File a report to participate in the "military mortgage" may:
In a programme not involved military men discharged in reserve due to retirement after 01/01/2005. For them, the Ministry of Defense adopted another housing scheme.
After three years of participation in the program, a soldier can purchase an apartment using the funds accumulated in a personal account. At the same time, he can choose the property in any place, without tying it to the region of service. The choice of housing is also not affected by the fact that he owns another property, the composition of the family and the area of \u200b\u200bthe acquired apartment or house.
Member Rights
After a participant in the system has served for three years under the contract, he has the right to manage the accumulations collected in his personal account.
They are can be spent for the purchase of any home in a mortgage or with the help of a targeted loan. In addition to mortgages and borrowed funds, the military can spend this money on housing without a loan or spend it on improving existing housing conditions.
When buying a home on credit, a soldier can expect to receive in the amount of 13%.
Together with a “military mortgage”, any other “civilian” loan product can be used if the applicant does not have enough NIS funds to purchase the desired property. Moreover, if a serviceman has a mortgage loan, he can use the funds accumulated in his account to repay the existing mortgage.
During a divorce, housing purchased with NIS funds cannot be divided, as long as the soldier is a participant in the program, an apartment or other type of residential property is secured by both the bank and the Ministry of Defense.
Regarding the lease of empty housing purchased under a “military mortgage”, if this clause is not stipulated in the contract, for the lease it will be necessary the consent of the credit organization, in which the apartment or house is pledged.
Loan repayment procedure
The funds of the military funded mortgage system go to pay off the target housing loan. All funds collected on the account at the time of the loan are used to make an initial payment. All obligations on the remaining loan payments are undertaken by Rosvoenipoteka.
You can only spend money for such purposes:
- purchase of residential real estate on the security;
- making an initial contribution on a mortgage loan and further payments on debt repayment;
- purchase of a residential property under an equity agreement.
Housing, which is purchased at the expense of the “military mortgage”, becomes the property of a soldier, but remains pledged to the bank and the military department until the payment deadline.
In order to purchase housing under the program, you need to perform such actions:
A program participant must understand that by joining it, he must serve in the Armed Forces for at least 10 years. If, after this period, he is retired, he will have to pay off the remaining mortgage debt on his own, without the participation of budget funds. Those who have served for more than 20 years are much more advantageous: all loan debt is paid out of the program, so for military personnel it is better to join it and start using the funds.
In addition to the experience of 20 years, the targeted use of funds is possible if the soldier has reached the age of completion of service or was dismissed by staff reductions; in case of death or recognition as missing; due to the onset of disability (in this case, the balance of the loan debt will be repaid not at the expense of the military family, but from the regional budget for state obligations to the NIS participant).
Registration number and verification of savings
All military personnel participating in the program receive a special number attesting to their registration in the register.
To do this, you first need to write an application addressed to the chief of his military unit. After that, the candidate submits information about himself to the regional branch of Rosvoenipoteka, where the participant is registered and assigned to him individual registration number of the participant. It is necessary in order to open a special account on which funds will be collected, and to receive information about their income and expenditure.
Notification of the assignment of a number to each soldier is sent officially by mail to the place of service. If three months after writing the report, the notification did not come, you can find out your number on the military’s personal card in its unit. If the information on the IRNU was not even on the card, then you need to contact the management with a report and make an official request to Rosvoenipoteku and the housing department, to which this military unit belongs.
After registration, it will be possible to monitor the status of your account through the Personal Account on the portal of the registering authority.
Recovery of lost evidence
If you lose the certificate of the NIS participant, it is necessary as soon as possible reestablish. This is done according to the same scheme as the initial receipt.
A report is written in the name of the leadership of the unit, in which information about the passport of the soldier, data on registration in the system: date and individual number are indicated. The report in part is necessarily assigned a registration number and an entry is made about this in a special journal. Thereafter within 30 days A new certificate must be obtained.
The recovery status can be checked via the Internet, in the corresponding section you will need to enter your data, after which the system will find all the information about the readiness of the document. In the same way, you can check the status of the account.
Office housing
At the duty station, the serviceman and his family must be provided with housing within three months after arrival at the unit. It is temporary and is subject to transfer to the state after discharge to the reserve.
If, at the same time as receiving official housing, the serviceman owns an apartment in another region or settlement not at the place of service, which he acquired through a “military mortgage”, the right to use municipal housing remains with him.
The same applies to the case when a soldier applying for departmental housing becomes a member of the NIS. According to the law, the availability of housing (municipal or own) is not an obstacle to participation in the program.
The advantages of participating in the system under consideration are described in the following video: