Mortgages for large families. A new program of state support for mortgages for families in which
Global problem for most families, especially large families, this is the lack of spacious housing so that all members of a large family feel comfortable.
One of the main areas of social policy in most states is to support families with three or more children.
A large family is an officially registered family or marriage in which there are three or more children.
Social support for such households, as mentioned above, is guaranteed by the state.
State program for large families
At the moment, there is no specific state program for large families. However, there are numerous offers from banks and government agencies (Sberbank, AHML), implying preferential reduced interest rates (from 2 to 4% per annum).
In 2017, improving housing conditions by obtaining preferential mortgage can be achieved through the use of maternity capital, a one-time tax deduction on real estate.
Applications from large families are processed quickly, it takes 2-3 days. The positive decision of the bank is influenced by the solvency. In addition to total income all officially working family members, you can attract grandmothers and grandfathers to become co-borrowers. And then their income is also added up. All in all, large families are allowed to attract up to 6 co-borrowers.
Preferential mortgage for large families
Many commercial and government structures have developed quite acceptable schemes that provide mortgage benefits to large families. Thus, real help in the acquisition of housing provide banking structures, such as Sberbank of Russia, AHML and other commercial banks.
What is a mortgage from AHML?
AHML is a mortgage agency housing loans... They offer the most profitable terms mortgage lending for large families, where a whole range of advantageous offers is provided:
- the initial payment is from 10% (when using the mother capital);
- rate on lending for mortgages with state support - from 10.5%;
- when buying a home in a new building - from 12%, in the secondary market - from 12.25%;
- return calculation credit funds is performed in such a way that monthly payment family accounted for no more than 50% of the total income of all working family members;
- there are deductions from interest rate for large families;
- an assistance program (mortgage loan restructuring) for families with one or more minor children.
Mortgage of Sberbank of Russia
Consider the terms of a mortgage from Sberbank of Russia.
The minimum rate is 11.25% per annum.
According to the developed scheme of Sberbank, a large young family, applying for a mortgage, can attract up to six co-borrowers. This greatly facilitates the financial fate of a young family and facilitates the very possibility of obtaining the consent of the bank for the provision of a mortgage.
In addition, Sberbank provides a deferral for the repayment of the loan body for up to five years in the event of the birth of another child.
Sberbank is developing another more profitable mortgage lending scheme for large families.
It should be noted that real help and profitable mortgage large families developed by many banking, commercial and government agencies regional level.
An apartment without a previous owner: from the developer, in a new or building under construction.
Apartment from the owner - a private person.
House outside the city.
The plot on which the client will independently build a house.
These mortgage options have different terms and rates.
- Minimum size: 300 thousand rubles.
- Limit on the amount: no more than the cost of the selected housing minus 15%.
- Maturity: up to 30 years.
- Percentage of accrual: from 12.5%.
Mortgage in VTB24
A mortgage for a large family at VTB24 has a number of advantages. The amount that the bank can give you is up to 8 million rubles, depending on the region and your total income. The interest rate is only 10.2%, and the first installment is from 20%. You can always use maternal capital to repay a loan or down payment if this amount is not less than the required one.
Favorable mortgage for large families at the regional level
Here specific examples concessional lending in regions:
In the Krasnoyarsk Territory, in 2011, a bill was adopted that provides for real assistance to families with four or more children. Funds are allocated from the budget to pay off 75% of the loan rate, but not more than 150% of the Central Bank's refinancing rate. If there are five children, then the state fully repays the loan rate, but provided that it is less than two refinancing rates.
In the Novosibirsk region, families with many children classified as low-income receive an additional 100,000 rubles from the state treasury.
In Udmurtia, to support large families, very attractive mortgage lending conditions are offered: initial payment - 10%; rate - only 5%; additional subsidies in the amount of 200,000 rubles to repay the loan at the birth of a third child.
In the Penza region, thanks to the program provided for 2010–2016, families raising five or more children are entitled to apply for state support in the form of 500,000 rubles. This money can be used to build, buy, repair or renovate housing. One of the directions of government assistance to the most vulnerable segments of the population is mortgages to large families. Unfortunately, it is impossible to get a loan without a down payment. However, one can count on some indulgences from the creditors. The main ones are: reduced interest rates, a longer repayment period, the ability to raise funds under a maternity certificate, one-time cash payments from the budget, etc. Each of these concessions can significantly simplify the fulfillment of creditor obligations.
Going towards large families (with more than three children), the regional leadership is developing and implementing many different programs to facilitate the solution of the housing issue.
Moreover, the preferences provided by many social services at the regional level apply to both urban residents and large families living in countryside... In some regions of Russia, mortgages are provided for large families in the form of assistance in acquiring a land plot for housing construction.
To improve living conditions in some regions, one-time cash payments are provided that have special purpose for repair or expansion of living space.
In most regions, a mortgage for a large family is provided from a special regional maternity capital. The creation of such an account at the regional level greatly facilitates the solution of the housing problem for many large families.
What a large family needs to get a mortgage
It is necessary to prepare and take with you the initial package of documents necessary to consider the characteristics of the client. It includes:
- The passport
- Data on spouse, children
- Certificate of a large family
- Employment book or paper from the place of permanent employment with a mark of experience for six months
- Certificate 2-NDFL or other according to the requirements of Sberbank, which indicates the constant amount of salary accruals
- Information about the income of the second half, which acts as a co-borrower
- Other family payments (from rent, royalties, etc.)
- Systematic family expenses (excluding utility bills)
If the income of the spouses is small, they can enlist the help of relatives or friends, whose income level is very significant. They apply as co-borrowers. By agreement, in the contract, you can specify the amount obligatory for payment on the part of the co-borrower. If the client can pay the mortgage himself, but there is no way to prove his solvency, it is not necessary to indicate the size.
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Almost all young families are faced with such a problem as purchasing their own home, and mortgage lending helps to solve it. Much harder to decide housing issue, when in a young family, in addition to spouses, there are three or more minor families, in addition, such a family needs a spacious apartment, which is quite difficult to buy even with the involvement of borrowed money... Consider whether there are mortgage benefits for large families.
Who receives the status of a large family
To begin with, it is worth determining that the possibility of families with children varies significantly depending on the subject of the Russian Federation. For example, in Moscow and neighboring regions, the status of a large family is given to those spouses who have three or more children, while in Ingushetia this status is given to families with five children. This is determined by the regional authorities.
The status of a large family can be obtained by a complete family with both parents, or an incomplete family, when one parent is involved in the maintenance and upbringing. In addition, it does not matter whether children are natural or adopted. By the way, after the children reach the age of majority, the family loses the status of having many children.
Programs for large families
Currently on legislative level there is no specialized mortgage program for young families. Although in our country there was previously a program designed for a wide range of clients, which, in addition to large families, included public sector workers, doctors, teachers, young families. According to this program, part of the interest on home loan paid to the creditor from the federal budget.
But in the face of fierce competition between financial institutions, banks are lowering rates, offering more loyal lending terms for the privileged category of the population. For example, they reduce the amount of the down payment, because it is difficult, and even almost impossible, for a family with children to accumulate 20 or even 30% of the cost of housing, besides, this category of borrowers needs more spacious and, accordingly, more expensive living space.
Please note that an interest-free mortgage for a large family is impossible, because banks are commercial organizations whose goal is to make a profit.
But nevertheless, the state in every possible way provides material support to this category of citizens, in the form of benefits and subsidies, as well as other measures. The main task of potential borrowers is to find a lender who is ready to offer more comfortable lending conditions. Therefore, it makes sense to consider several relevant proposals.
Features of mortgage lending
To begin with, it is worth noting that no matter what bank you choose as a lender, mortgage lending for large families is not much different from the standard procedure. The procedure is no different, the purchased housing will also be pledged by the bank until the borrower fully fulfills his obligations under the contract.
For any family, a mortgage is the safest type of transaction from a legal point of view. Because the bank carefully controls every stage of the transaction and protects itself and the borrower from fraudulent actions by third parties. But from a financial point of view, this event is quite costly for the borrower, so it is worthwhile to study the market of bank mortgage offers as carefully as possible.
Interest rates mortgage quite high, about 13-15% per year, and given the high cost square meters, for parents of large families, loan payments will be almost unaffordable. You can find a way out of the situation, for this you need to be guided by some simple rules:
- the rate for the purchase of housing in the secondary market is several percent higher, so it is wiser to look for a suitable option in a new building;
- there are proposals for mortgage lending, according to which an initial payment is not required, but this is not the best way out, because the rate will be several percent higher;
- use state support, this will be discussed below.
Despite the variety of commercial banks in Russia specializing in mortgage lending, many potential borrowers choose Sberbank or AHML as a reliable partner, consider what conditions are offered to parents with many children here.
Sberbank
There are quite loyal lending conditions here. In addition, the bank has taken care of borrowers whose income level does not meet the requirements. Now the borrower can attract up to three co-borrowers, whose income will be taken into account when calculating maximum amount mortgage loan.
Basic conditions:
- the minimum amount is from 300 thousand rubles, the maximum is determined individually;
- loan term up to 30 years;
- down payment from 20%;
- interest rate from 11.4% per year, but it can fluctuate depending on some factors, including life insurance and others;
In addition, Sberbank provides an opportunity to receive a deferral at the birth of a child to pay off the principal debt for a period of up to 3 years.
Mortgages for large families on preferential terms are available only under the Young Family program, that is, the borrower must meet certain requirements. In the first age requirement of the borrower, the return of one of the spouses must not be more than 35 years old. Three times important condition- this is the initial payment, and the higher it is, the lower the rate. Participants of the salary project receive especially favorable conditions.
Mortgage lending from AHML
There is also no target program for the privileged category of the population, but you can find a home loan on favorable terms for yourself. Within the framework of the mortgage loan program for the purchase of a finished home, the loan rate is from 12% per year, which increases depending on the initial payment, here the minimum is 20%, and the refusal of life and health insurance.
Restrictions on the amount from 300 thousand rubles to 10 million rubles (20 million rubles for residents of the capital).
But there is a significant chance to save money here. Namely, to choose housing from mortgaged real estate. In simple words- these are objects that were pledged by the bank for previously issued mortgage loans, and their owners could not cope with the financial burden of repaying loans. Here the rate will be 2 points lower.
Please note that maternity capital funds can be used as a down payment.
Federal benefits for large families
Regional support
If, within the framework of federal support, mortgages for large families with preferential conditions are not provided, but in some regions there are regional programs. Let's look at a few examples:
- In the Krasnoyarsk Territory in 2011, the government decided to reimburse borrowers with three juvenile child, 75% of the rate on a mortgage loan, and if there are five or more children in the family, then the interest was paid in full at the expense of the budget.
- In Udmurtia, mortgage lending for large families was offered on extremely favorable terms: a rate of 5%, an initial payment of 10%, additional financial assistance to pay off a housing loan of 200 thousand rubles at the birth of a child.
- In the Penza region, financial assistance is provided to families with five children in the amount of 500 thousand rubles, they can be used for reconstruction, construction, repair of housing or repayment of a mortgage loan.
But, unfortunately, there is no specialized program for parents with many children. There are other ways to save money and recover some of the cost of buying a home. For example, when buying an apartment for the first time, the borrower can return income tax in the amount of 13% of the cost, but not more than 360 thousand rubles, in addition, a refund is provided income tax on interest on a mortgage loan also in the amount of 13%.
Hello! For every large family, the issue of spacious housing, which could comfortably accommodate all household members, is very acute. Not every couple is able to save enough money to buy their own real estate. That is why this problem is most often solved through mortgage lending, which is carried out with the support of the state. Mortgage for large families in 2019 and its conditions are the topic of our meeting today. Also from the post you will learn about the repayment of mortgages to large families at the expense of the state.
It is extremely difficult for families with many children to take part in standard mortgage programs, since they set quite high interest rates, and there is also a need to make a large amount of funds in the form of a down payment. But, thanks to the assistance of the state, this category of borrowers has a real chance to become owners of their own real estate and improve living conditions.
When registering mortgages to large families, they can count on the following help:
- an interest-free subsidy is allocated from the budget, which is issued to improve the living conditions of large families;
- turns out financial aid in the payment of a mortgage, in the form of paying off part of the debt;
- stand out cash that can be spent to pay the down payment on a home loan ( pay off allowed at the expense of maternity capital);
- interest rates are reduced on mortgages for large families or a benefit is provided in the form of minimizing the amount of the advance payment;
- from housing stock apartments are allocated for which lower prices are set;
- if one of the parents is a budget employee, then he can apply for participation in special mortgage programs, according to which rather favorable conditions are provided (there is no state support);
- borrowers who did not receive any subsidies can count on a 13 percent tax deduction (this amount can be spent on paying off mortgage arrears).
Attention! All funds that are directed to help people raising more than two children are allocated not only from the Federal, but also from regional fund... It is worth noting that if spouses separately participate in mortgage lending for a large family, and both of them fall under preferential programs, then only one borrower will be provided with state support.
Social mortgage for a large family
Social mortgage is a loan program, under which part of the loan will be paid from Federal budget... It was developed several years ago specifically for the privileged categories of citizens. The AHML is in charge of the implementation of the program and the regulation of all issues arising on it.
Attention! In 2019, subsidies are planned in the amount of 35% of the cost of housing purchased with a mortgage. Applicants can receive assistance from the state in one of three ways: the interest rate will be reduced, part of the acquired real estate will be compensated, the advance payment will be reimbursed.
Conditions
You can take part in the program on the following conditions:
- The applicant must have the amount of funds for the initial payment (you can use mat. Capital for these purposes).
- A large family must document their status.
- The agreement specifies an expanded list of options for repaying mortgages to large families.
- Clients are given the opportunity to change the form of monthly payments from differentiated to annuity and vice versa.
- There should not be any housing in the property or there is a real estate object that does not meet the standards of living for a large number of people (18 sq.m. is allocated for one household).
- When choosing in 2019. privileged apartments should remember that for them the cost of 1 sq.m. should not exceed 35,000 rubles.
Who can participate
Apply for clearance social mortgage can the following categories of beneficiaries:
- Needy and large families who live in cramped apartments or do not have their own housing at all.
- Government employees, social workers, and government officials such as teachers, doctors, etc.
- Young cells of society with one child, in which parents have not reached the age of 35, who do not have their own home.
- Citizens who took part in hostilities on the part of the state.
- Social security participants, contractors.
How to arrange
For each category of beneficiaries there are a number of requirements that must be met (for example, state employees must have a certain length of service). Otherwise, they will be denied social mortgage lending. The social program is drawn up according to the standard scheme.
The documents
To participate in the social mortgage program, applicants need to form a large package of documentation:
- A statement is being written.
- Spouses' civil passports.
- Birth certificates of all children under the age of fourteen.
- Marriage certificate.
- Certificate (certificate) confirming the status.
- An extract from the house book.
- Certificate from the place of official employment, confirming the receipt of monthly income (Form 2NDFL).
- A copy of the work book (employment contract).
- Certificate for mat. capital (if received).
- Documents for the purchased apartment (extract from the USRN, title documents of the seller for the apartment).
- Details of the current account opened in the bank in the name of the real estate seller.
Attention! Each financial institution that issues a mortgage for large families in 2019 to social program, can enlarge the list of documents.
Registration in banks and AHML
AHML lends to individuals on the following terms:
- The agency is buying up debts from partner banks.
- The lender undertakes to arrange mortgages on the terms determined by the agency.
- Interest rates for apartments from the secondary market do not exceed 11.00%, in new buildings up to 6.00%.
- The amount of the down payment is not more than 10% of the loan body.
- The amount of the monthly mortgage payment will not exceed 45% of the total family budget.
Banks independently determine interest rates for their loan products. In the case of the state program, they reduce them for the privileged category of clients, but at the same time they do not lose income, since they receive compensation.
The whole lending process is described in more detail in a separate post.
Family mortgage at 6%
In 2018, people who gave birth to children were given the opportunity to purchase housing on a mortgage at only 6.00% per annum. In 2019, preferential mortgages for large families will be issued only in certain financial institutions, to which the state will compensate for the difference between the current one (varies in the range from 10.00% to 13.00%) and the preferential rate. Thanks to this, large families will be able to save at least 4.00% on interest annually, and this, taking into account the loan body, is a pretty decent amount.
Attention! IN loan agreement a preferential interest rate of 6.00% per annum will be indicated. All documentation for participation in a mortgage is drawn up within the walls of a financial institution selected for lending, from a list approved by the state. Banks must, within 30 days from the date of publication of the decree, submit to the Ministry of Finance of the Russian Federation a package of documents and an application for participation in the program. Selected banks and AHML will be transferred from the state every month compensation payments for lost interest income.
Conditions
The state program put into effect defines a rather narrow circle of large families who can take part in it:
- Families must have children who were born after 01/01/2018. and no later than 12/31/2022
- The subsidy period directly depends on the number of children in the family: 2 - three years; from 3 to five years.
- Under the terms of this program, you can only purchase a property located in a new building. It will also be possible to use subsidies to refinance a previously issued mortgage. People will not be able to buy real estate from the secondary market at a preferential interest rate.
- If the state grants a family mortgage interest rate subsidy for a period of three years, then after the birth of another child, this period will last for five years.
- The property should only be purchased from a legal entity.
- The program will operate limited period time, ranging from 01.01.2018. until 31.12.2022 But, there are rumors that if it is successfully implemented, the possibility of prolongation will be considered.
Attention! When developing a program of preferential mortgages for large families, the drop in demand for primary real estate was taken into account. And to support developers, a condition was introduced regarding the impossibility of acquiring secondary housing. primarily designed to support the fertility and construction industry. Secondary housing can also be refinanced under this program, but it must be previously purchased from a legal entity. Read the details of the program in our last post.
450 thousand from the state for the birth of a third child
At the end of February 2019, the President announced that it is necessary to introduce additional incentives for the birth of children. Vladimir Vladimirovich proposed to amend the family mortgage. In the spring of 2019, it is planned that a decree will be issued according to which large families.
We will find out the exact conditions of the program in the near future, therefore, please subscribe to site updates so as not to miss.
Borrower requirements
Borrowers are subject to standard requirements, except for one - children must be born between 01.01.2018. until 31.12.2022
Mandatory requirements include:
- the presence of permanent registration in the settlement in which the mortgage is issued for large families;
- Russian citizenship;
- the borrower's compliance with the bank's criteria.
Exactly like this potential borrower can get mortgage benefits.
How and where to issue
To take part in a family mortgage and receive subsidies, individuals you must contact the bank directly, which is on a special list.
The loan processing procedure includes several stages:
- A large family, in which after 01.01.2018. the second child was born, the third, etc., chooses a credit and financial institution for cooperation, in which he draws up a mortgage.
- The borrower must submit documents to the bank that confirm legal right for subsidies (child's birth certificate).
- A financial institution, on the basis of the certificates received, reduces the current interest rate to 6.00% for a certain period. For example, for families with only two kids, the preferential rate will be valid for three years. For families with three or more children, the term of the preferential interest rate will reach five years.
- After the loan program has been drawn up, the state will begin monthly transferring the difference between the base and preferential interest rates to the lender from the budget.
Attention! If the family until 2018. issued a mortgage, after which she had one or more children, then she can turn to her lender for refinancing. In this case, the interest rate will be reduced to the state-promised 6.00% (subject to the provision of all the necessary documentation).
The documents
A large family falling under this program must provide the following documentation to a financial institution:
- civil passports of the borrower, his wife (spouse), and other co-borrowers (for example, adult children) copies of all completed pages are made.
- certificates confirming the sources of income of all households (2NDFL form for 6 months);
- marriage certificate;
- military ID or a certificate of deferment received by the spouse (if he is under 27 years old);
- birth certificates of all heirs;
- copies work books all officially employed household members;
- certificate for mat. capital (if received);
- documents for the purchased apartment.
Mortgage for a large family on standard terms (difficulties and design options)
Mortgage loan for large families families on standard terms has a number of disadvantages:
- insufficient amount of total income, due to which the bank refuses to lend, as it believes that the borrower will not cope with its obligations;
- possible difficulties in the search for real estate, which are subject to rather stringent requirements.
Attention! When applying for a standard mortgage, the borrower must follow the plan. Initially, an appeal is made to the bank and consent is obtained. The property is located, a sale and purchase agreement is signed with the seller, and a mortgage agreement with the lender. Money is transferred to the account former owner apartments. It is worth considering first of all because there you can take into account additional income, and also there is, as Alternative option, because there dependents are not taken into account in the ability to pay.
Conclusion
If people raising more than two children plan to take part in mortgage lending with state support, then they need to know in advance not only about the conditions, but also about the requirements for borrowers. If it suits the parameters, then you can safely choose a suitable bank for yourself and draw up documents. Mortgages for large families in 2019 are a real chance to improve living conditions.
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Families with many children belong to the unprotected category of Russians. Therefore, the state meets them in many issues - this concerns payment for housing and communal services, reimbursement rent are provided land, but in the field of mortgages, things are a little different. In 2016, the State Duma was unable to pass a targeted law to regulate this issue. Therefore, parents with many children are forced to get out of the situation on their own, contacting various organizations, including Sberbank. Mortgages for large families in Sberbank, benefits and state support in 2018 will include several programs, including a mortgage at 6% for the second and third child.
At the moment, Sberbank offers mortgage program large families at an interest rate (with a discount from the developer) from 7,4% ... At the same time, in order to receive a developer's discount, the loan term must be up to 7 years.
- The minimum amount of the mortgage must not be less than 300 thousand rubles;
- term - up to 30 years;
- rate from 9.5%;
- down payment - not less than 15%.
Additional benefits and more favorable conditions
The only meaningful additional benefit there may be payment of the initial contribution or part of it with the help of maternity capital. It is important to know: the legislation allows you to pay with the specified money and interest on the mortgage, but the requirements of Sberbank state that they can only be spent on the installment. In addition, it is permissible to obtain a mortgage only for housing under construction or new, that is, secondary housing cannot be the object of the transaction.
Help for young families under the "Young Family" program 2018
Now assistance to large families can be provided by the "Young Family" program, but it is relevant only if the parents are under 35 years old. This privilege enables Russians to receive compensation from the state in the amount of a third of the cost of housing (30%). To clarify the amount of compensation, you need to contact local authorities, indicating individual conditions.
Nevertheless, due to insufficient funding, those wishing to use such assistance have been waiting for their turn for years. In view of the above, parents with many children are forced to buy housing for credit money on a general basis.
New law on mortgages for the second and third child from 2018
At the end of 2017, Russian President Vladimir Putin signed a decree on launching a program to support mortgage lending for the second and third child, you can read about this in detail in the article "Mortgages for 2 and 3 children at 6% in 2018".
That is, according to the specified program, benefits in the form of compensation for part of the cost, a reduced interest rate can now be calculated not only by large families, but also by parents with two children.
Mortgage registration
Even if there are any benefits in Sberbank, as in any other bank, the solvency of parents with many children is checked on a general basis.
Required documents and certificates for registration of a mortgage
To obtain a mortgage for large (young) families, the following documents should be prepared in advance:
- Passports.
- Help on the composition of the family.
- Certificates confirming that the parents have many children. Such documents are issued by the municipal authorities.
- References 2-NDFL, indicating the presence of a stable income and its size. If there additional income, then you should also provide certificates or other documents (for example, a lease agreement) confirming this fact.
- Copies of work books, where it can be seen that the parents are employed and they have at least six months of experience at the last place of work.
- Certificate confirming the presence of a large family own funds for the down payment.
Each parent is obliged to provide these documents, since one of them will be the borrower (who has more income), the second - the co-borrower. If the salary does not allow parents to buy housing on a mortgage, then the parents can submit additional co-borrowers to Sberbank, which may be the next of kin. But it should be remembered that each co-borrower has the right to claim a share in the acquired real estate.
Housing documents
When interested persons decide on their future housing, it is necessary to collect Required documents and enter it in Sberbank, or rather in the same department where the mortgage was issued.
The bank requires the following documents to be provided:
- Contract of sale. In addition to him, any paper confirming the transfer, alienation of property rights can be accepted.
- Proof of ownership of the seller.
- Extract from Rosreestr.
- Written consent of the seller's spouse to sell the property.
After making a purchase, parents with many children must insure their homes, a copy of the policy is also transferred to representatives of Sberbank.
What to do after obtaining consent for a mortgage
When the collected portfolio of documents is handed over to representatives of Sberbank, you will simply have to wait for the bank's decision. If it is positive, a bank employee will call you back and inform you about it. After that, parents can start looking for housing, which should be found within three months - this is the time that Sberbank's offer will be valid. If citizens of large families do not invest in specified period, then you will have to start the design anew, which is costly and inconvenient.
An initial fee
Associated expenses for mortgage lending at Sberbank:
- An initial payment that is made at the expense of the borrower. In addition, you will have to provide a document confirming the availability of such money or place it in Sberbank.
- Real estate appraisal - it is carried out in mandatory and an accredited appraiser.
If it is planned to use maternity capital to pay the initial payment, then the lender's specialists should be provided with a certificate confirming the right to such a benefit. Also, it is necessary to give the bank managers a certificate, any other document confirming the availability of money in the account. Any citizen who has the right to dispose of maternity capital can receive such a paper; it must be submitted within three months from the date of approval of the mortgage by the bank. Usually, the filing is carried out together with the documents for housing.
Online mortgage calculator
Mortgages for large families in Sberbank, benefits and state support in 2018 have its own online calculator on the bank's page, according to which you can pre-calculate monthly payments by setting your parameters.
The problem of obtaining their own housing by attracting a loan, which gives rise to a manifestation, is acute for many Russian families.
It is especially relevant for young families who have not yet managed to create more or less substantial savings. More complicated is the situation with the acquisition of their own home with installments for payment of payments and the onset of mortgages by virtue of the law for families with many children.
The legislation includes those families where three or more minor family members are raised by parents (or guardians). As a rule, in such families the income per family member is below the average. And it is very difficult to count on such a family to operate the mortgage exclusively by its own forces by virtue of the law. While it is extremely difficult for ordinary Russian families to pay off mortgages, it is much more difficult for families with many children.
After all, such a family needs to create more or less comfortable living conditions not small-sized housing, but spacious. And its cost is much higher, which makes the mortgage by virtue of the law for a large family almost illusory.
Mortgage for a large family in 2017
still remains for the legislative branch of Russia just a topic of discussion. It is not the first year that there has been talk about the fact that this year, it is quite certain that mortgages to large families will gain state support by force of law. But the wheels of the state cart in such cases spin, oddly enough, very slowly.In 2017, mortgages for large families are still regulated regulations adopted in 2013. In 2017, the problem of mortgages for large families continues to be addressed, based on the provisions federal program providing Russians with housing. In an extensive legal act considered, in addition, many issues related to the provision of affordable housing and the required level utilities.
But it completely lacks a mechanism for the direct action of a mortgage for a large family, and in 2017 it has not yet been launched. On the basis of the federal program, a three-year program for the provision of preferential mortgages for large families was launched, which continues, changing, to operate in 2017. The basic federal normative act remains the program for providing Russians with affordable housing, designed to be valid until 2025. On its basis, they solve mortgage issues for large families in 2017.
The draft federal normative act, which will stipulate the provision of mortgages for large families by virtue of the law, while remains at the stage of behind-the-scenes discussions.
In 2017, those who meet the conditions stipulated by the Housing for a Russian Family subprogram can count on state assistance in obtaining a mortgage for a large family. To provide a family with the social status of a large family, the following is required:
- Registered marriage;
- three children (and more). To this number the legislator counts not only children of his own kind, but also stepchildren (stepdaughters), adopted and under guardianship;
- under the age of majority - 18 years.
Providing mortgages to families with many children on the basis of applicable laws
Until the mortgage provided to families with many children came into force as a separate normative act, the provisions of its provision, based on separate state programs, are in force. It should be admitted that according to by and large, the mortgage for a large family in 2017 practically does not differ from the standard one. In the overwhelming majority of cases, the option of buying a home is chosen. Certain measures of social support in relation to a large family are available, assistance for a mortgage is offered to her in several forms:- Reduced basic rates. It is more profitable for the borrower to purchase housing in a new building from the point of view that the basic rate can be provided at a level not exceeding six to seven points. While the purchase of an apartment on the secondary market provides for a higher basic rate. The difference in favor of a new building is quite noticeable four to five points, that is, more than one and a half times;
- the possibility of using maternity capital. A large family can use the right to a certificate by channeling funds either to make an initial payment, or to pay interest, or to repay the main body of the loan;
- the duration of the agreement, which can be up to thirty years;
- the reduced size of the down payment, equal, as a rule, to the fifth to seventh part of the amount. Again, the use of maternity capital is allowed to make the first installment;
- providing holidays in payments in case of the birth of another child. It is clear that if a child is born, one of the family members will have to spend a lot of time caring for him. The family's income will naturally decrease, and it will become more difficult to pay off the debt. in such cases, they are willing to meet customers halfway, providing a long grace period, up to one and a half years;
- compensation by the state of a part of borrowing.
Mortgage to a large family: how it is done at Sberbank
The position regarding the provision of mortgages to large families in 2017 is very important, because:- As a financial institution with state capital, it is actively involved in federal social programs;
- on the Russian market The bank owns the lion's share of providing borrowing services. Sberbank of Russia provided more in the past year than all other representatives of the banking sector combined.
The involvement of third parties, which does not include the spouse of the main recipient of the loan, has a very significant impact on the conditions for concluding a contract. This is due to the fact that now the total financial condition, which allows you to count on:
- Decrease in the basic rate;
- an increase in the amount of borrowing.
- attraction of maternity capital.
- The main rate will be reduced to 9.5 points, provided that the transaction is registered in in electronic format, but the client has;
- provide an opportunity to connect maternity capital;
- allow the spread tax deductions to pay interest;
- the amount of borrowing will be offered from three hundred thousand, but it will not be able to exceed four-fifths of the value of the collateral;
- the payment period will be extended to thirty years. The payment will be deferred for a three-year period if the family has another child;
- the minimum level of the first installment - from a fifth of the amount. In this regard, Sberbank remains cautious, with many financial institutions the level of the down payment has already been lowered significantly.
Mortgage by virtue of law and AHML
The agency cooperates with many partner banks, carrying out the repurchase of part of the loan from them. Loyalty to the terms of the agency is quite acceptable:- The basic rate for buying an apartment in the secondary market will be set at six points, in a new building - eleven;
- the share of the first installment will be only one tenth of the amount;
- the monthly payment will be calculated in such a way that the family does not spend more than 45% of the total budget on it.
- If a baby is born while the agreement is in effect. The discount will be a quarter of a percent, but will not exceed a total of half a percent for the birth of several children;
- subject to the cost of the purchased housing below the level established by local regulations. The reduction will be half a percent;
- to produce comprehensive insurance... But this will have a noticeable effect on the family's wallet, so it is worth considering whether to resort to this method of reducing the basic rate.
How mortgages to large families are formalized in 2017, until a new law is adopted
A family with several children who decided to connect to preferential program, it is worth checking your compliance with the required conditions. They provide:- Official status;
- documentary evidence by the authority local government the need to improve living conditions. The calculation takes into account not only the living space per member, but also whether the technical condition and utilities meet the sanitary and hygienic standards;
- permanent residence in the region on the basis of permanent registration.
It is better to prepare for the mortgage registration in advance, you will need to provide:
- Copies of passports.
- Marriage certificate.
- Birth certificates of children.
- Certificates confirming that the family is officially recognized as having many children.
- Certificates confirming the financial condition of both the main borrower and co-borrowers. You will need to bring copies of proof of official employment.
- Military ID (for persons under 27 years old).
- SNILS.
- The original certificate for maternity capital and its copies.
- Family account statements from the local PF branch.
28.11. 2017 by the President Russian Federation V.V. Putin asked the government to subsidize mortgage loans at 6% per annum for families with two or more children.
Since 2018, this program has been actively working, many large banks countries began to provide mortgages with a preferential% rate. In particular .
You can always familiarize yourself with mortgage lending offers from other banks.
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