How much do banks give for military mortgages. Maximum amount of military mortgage

In modern society, the issue of purchasing housing is extremely relevant. An important part of our society is the military, for whom there is a military mortgage, which allows you to acquire housing on favorable terms. You should figure out how much they can count on on a military mortgage and what factors can affect it.

The amount of military mortgage savings by years

Military mortgage is a program aimed at improving the living conditions of military personnel, providing them with mortgage housing while meeting the requirements and conditions of contract service.

It should be noted that the military mortgage is one of the most profitable home loan programs. Starting with their studies at the academy, an NIS account is opened for future servicemen, to which funds are received every month. Subsequently, the amount is accumulated, which is used in the future for the purchase of housing.

If a military man came to serve under a contract without having a special education, the account is opened after three years of service without complaints from the authorities.

She began to work in 2005, consequently, the military personnel who entered the service from that moment received payments every year. If you are wondering the amount of a military mortgage by year, you should know that in 2005, 37,000 rubles were transferred to the NIS, in 2010 - 175,600 rubles, in 2015, 245,880 rubles were transferred to the military accounts.

Due to the 2014 crisis, the annual amount of savings has become lower than planned. According to the 2014 plan, the amount for the military mortgage in 2017 should have been 287,532 rubles, but amounted to 260,141 rubles. It is possible to find out its size for the near future. In 2018, it was planned in the amount of 309,900 rubles, but in fact it will amount to 268,465 rubles. The state assured the military that the consequences of the crisis would be eliminated and that they would receive all due payments.

For citizens with service experience since 2005, the maximum amount of military mortgage savings for 2017 was 2,195,901 rubles. Also, servicemen who applied for apartments before 2005 and who do not fall under the program will receive housing or monetary compensation from the state until 2020.

Maximum amount in 2017 and 2018

Previously, military personnel could obtain housing in several ways, but since 2015, only the military mortgage program has been in effect.

It is worth understanding its main features:

• every month NIS receives funds under the mortgage lending program for the military;
• for 2018, the maximum amount for a military mortgage will be 2,464,366 rubles;
• using the program, a soldier has the right to choose in which region to buy housing;
• it covers real estate from both the primary and secondary markets;
• to participate in the program, you must submit an application to your immediate supervisor, the officers participate in it automatically;
• when receiving a loan to buy real estate, the first installment and monthly payments are paid from subsidies;
• after three years of participation in the program, you can use the accumulated funds to pay off the first installment, and then get a mortgage at the bank;
• the maximum amount issued by credit institutions for military mortgages in 2017 differs somewhat (for example, in Sberbank it is 2.33 million rubles, and in VTB - 2.29 million rubles).

The procedure for buying a home on a military mortgage

It is important to remember that when using a military mortgage there is an age limit of 45 years in most banks, so the period for which the loan must be repaid may be short.

Military mortgage terms

There are a number of banks that provide military personnel with the opportunity to obtain such a loan. Using the programs of Sberbank and VTB as an example, the benefits and conditions of mortgage lending for the military will be analyzed.

At Sberbank

Sberbank offers mortgages on preferential terms for military personnel for the purchase of finished housing. The main conditions are an annual rate of 9.5% per annum, the amount of a military mortgage in Sberbank reaches 2.33 million rubles, an initial payment of 15%, and a maximum repayment period of 20 years. Borrower requirements - participation in the program and age at least 21 years.

At VTB Bank

Turning to VTB, you should count on a rate of 9.7% per annum, a loan term of up to 20 years and an age limit at the time of the last payment of 45 years. The amount given to the military at VTB reaches 2.29 million rubles. The down payment is from 15% and depends on the type of housing being purchased.

Important nuances of the program

Many military personnel may have questions about the Home Purchase Assistance Program. What happens when you leave, what to expect when you lay off?

If the reduction occurs for health reasons, when a military man has served 10 or more years, the savings will not be lost anywhere, you will only need to pay the amount received in a financial institution at a preferential interest.

When a soldier decided to quit himself or was dismissed before 10 years of service, the amount of savings is canceled. It will also happen if he was fired due to non-compliance with the terms of the contract. For the disclosure of military secrets, seniority will not play a role. In these cases, the amount charged will be returned to the state budget in full.

Conclusion

Servicemen can count on government assistance in purchasing housing and on preferential terms offered by banks, in particular, Sberbank and VTB 24. In service since 2005, the maximum amount of a military mortgage for 2017 is 2,195,901 rubles. But in order to use this amount on a military mortgage, you must serve at least 10 years without violations, or the savings may burn out.

Submit your application

Submit documents

Make a deal

1. Submit your application

   Make a preliminary calculation for the mortgage. Our employee will contact you, advise and make an appointment at one of the mortgage centers at a convenient time for you.

   Before submitting documents to the bank, you will receive a certificate of eligibility for a targeted housing loan.

   Bring the documents to the mortgage center and get approval in 4-5 business days. The approval is valid for 4 months from the date of receipt.

2. Submit documents

   You can choose an apartment in a new building or in the secondary housing market.

   Our manager will guide you in what documents you need to collect for the selected property and help you make an assessment. Submit a package of documents and the bank will check the legal cleanliness of the apartment.

   Insurance of the risk of loss and damage to the purchased apartment is mandatory.

3. Make a deal

   Sign a contract with a developer or a sales contract and a loan contract with a bank, as well as an insurance contract. The bank will transfer the money to the seller of the property.

   In the case of purchasing housing on the secondary market, the property is immediately registered in your ownership, simultaneously with the registration of ownership, a mortgage will be registered in favor of the bank until the loan is fully repaid.

   In the case of purchasing a new building, you will be able to register ownership after the completion of construction, simultaneously with registration of ownership, a mortgage will be registered in favor of the bank until the loan is fully repaid.

Interest rates and mortgage terms for the military

• the state transfers indexed target contributions to the savings account of the NIS participant;
• after 3 years of participation in NIS, the accumulated targeted contributions can be used for an initial payment when purchasing an apartment; to pay the remaining cost of an apartment, the bank provides a mortgage loan;
• repayment of the loan throughout the entire term will be carried out at the expense of NIS contributions, transferred by the state (as long as the borrower remains a NIS participant, i.e. continues to serve);
• loan amount up to 2.450 million rubles;
• loan rate 9.8% (if the borrower leaves NIS, the interest rate does not increase);
• loan term - up to 20 years, but no later than the borrower reaches 45 years of age on the date of loan repayment;
• down payment - from 15% of the value of the acquired property.

To the borrower:

Requirements for borrowers and guarantors, whose income is taken into account when determining the loan amount.

Recall in order to purchase housing on a military mortgage, a soldier must be a member of the NIS for 3 years , after which he has the right to purchase housing on a military mortgage. Learn more about receiving. He will have at his disposal the amount:

1. Accumulated from 3 years of participation in the system, which is about 700 thousand rubles (aka TsZhZ).
2. Monthly payments made by Rosvoenipoteka in the amount of 20,490 rubles per month (data for 2016).
3. And also a preferential mortgage loan from a bank, the maximum amount of which at the end of 2016 is 2.4 million rubles, which, however, in practice, banks rarely give.

And if with 3-year savings from contributions, everything is more or less clear, since the amount is known here, then issuing a loan from a bank for many remains a dark place that causes many questions.

The amount provided by the bank does not depend on the income of the soldier, but depends on the length of service, and how long he has to serve until the age of 45. Also, the amount issued for a military mortgage depends on the purchased housing. Today, there are 3 types of housing available for a military man - primary housing (new buildings), secondary housing and a house with a land plot (also secondary housing). What are the requirements of banks to the acquired property, you can see.

Which bank gives more money for military mortgages - perhaps the most pressing question from the military. The official website of Rosvoenipoteka has a list of banks operating under the military mortgage program. You can see this information on our website.

The main requirements of banks for military mortgages

The basic requirements for a mortgage loan from banks are similar to a civil mortgage. Namely:

• No commission for granting a loan;
• Compulsory insurance of the acquired property;
• Obligatory collateral for the purchased property;
• To submit an application, it is mandatory to provide an NIS certificate;
• Loan term - up to 15 years or until the age limit for a serviceman (45 years);
• No early repayment fees.

New buildings

For this type of real estate, you should check the list of accredited objects that are suitable for military mortgages.

Which banks issue mortgage loans to military personnel:

• Gazprombank;
• Bank Zenith;
• Svyazbank;
• VTB 24;
• RNKB;
• Sberbank;
• Rosselkhozbank;
• Bank Russia;
• Opening;
• AHML.

With detailed figures of banks for new buildings.

Secondary housing

List of banks:

• Gazprombank;
• Zenith;
• Sberbank;
• VTB 24;
• Svyazbank;
• AHML;
• RNKB;
• Bank Russia.

With detailed numbers of banks for secondary housing.

Residential building with land

At the time of preparation of the material, this type of loan was issued by 4 banks:

• Sberbank;
• VTB 24;
• Svyazbank;
• RNKB.

Detailed conditions can be obtained on the website of the bank itself or in their branches.

Add consumer credit

We also note that information has appeared on the Rosvoenipoteka website that Gazprombank is refinancing previously taken consumer loans of military personnel, as well as several banks (Gazprombank, Svyazbank and Bank Zenit) issue ordinary consumer loans to military personnel.

This might be helpful. For example, if you want to significantly reduce your monthly payments before taking out a mortgage, you can refinance old debts.

Or add a certain amount with a consumer loan after receiving a mortgage loan, say for repairs or the purchase of furniture. There may also be situations when you just DO NOT need to take out a mortgage loan from a bank (payment only from Rosvoenipoteka), but take a regular consumer loan.

For information on how to properly purchase housing on a military mortgage, see the article, which is a simple step-by-step guide to action.

Hello! Today we'll talk about What is and how the military mortgage has changed: the terms of provision in 2019. Read the post to the end and you will find out all the details.

The conditions for the provision of military mortgages in 2019 have not changed too much - this is a program of monetization of the procedure for the preferential provision of housing to military personnel. In 2004, the Federal Law of 20.12 was adopted in this area. 2004 N 117-FZ "On the accumulative mortgage system of housing for military personnel." Over the past 12 years, the law has been amended and supplemented many times, and since January 1, 2016, it has completely replaced the allocation of living space in kind.

The main difference between the military mortgage program and the previous system is that now a soldier can get housing much faster than before. Within 3 years after entering the service, a soldier can write an application, draw up documents for obtaining a mortgage and move into a new one.

The program involves representatives of those federal executive authorities where there is military service. These are the Ministry of Defense, FSB, FSO, Rosgvardia and some others. As of the end of 2016, more than 320 thousand military personnel participate in the accumulative mortgage system (NIS) program. Of these, more than 117 thousand have already bought housing using a military mortgage.

So what is a military mortgage?

The accumulative mortgage system provides for two components:

• accumulative part;
• the credit part.

The funded part is made up of annual payments, which are transferred once a year to the personal savings account of a serviceman. In recent years, the amount of these deductions has been more than 200 thousand rubles per year. According to the law, this value is subject to indexation in accordance with inflation. Unfortunately, such indexation was not carried out in 2016.

For a military mortgage, the terms of provision in 2019 provide for an increase in the amount of deductions from today's 260 thousand rubles to 280,009.7 rubles.

The second part is a bank mortgage. Currently, about a hundred credit organizations are accredited to participate in the military mortgage program. Among them are the country's largest banks: Sberbank, VTB24, Svyaz-Bank, Zenit, Gazprombank, RNKB, IZHK Agency, Bank RUSSIA.

The conditions for obtaining a loan from banks are market-based, but, due to state support, banks consider military borrowers more reliable, and the conditions of a military mortgage in 2019 are such that interest rates are offered 2-3 percentage points lower than usual.

Requirements for a soldier

There are two types of participation in a military mortgage or NIS program:

• on a mandatory basis;
• on a voluntary basis.

An indispensable or automatic participation in the NIS program is provided for all officers and warrant officers who first signed a long-term service contract after 01.01.2005.

To obtain a military mortgage, these officers do not even need to write an application. They are guaranteed to become participants in the program. Already now, most of the officers are involved in the NIS, and in 7-8 years almost everyone will be involved in it.

The opportunity for voluntary participation can be used by:

• reserve officers who served under a contract concluded later than 01.01.2005;
• enlisted and non-commissioned servicemen who entered into the 2nd contract for service in the armed forces after January 1, 2005;
• warrant officers who, as of January 1, 2005, had already been in contract service for at least three years;
• graduates of military universities who graduated from an educational institution before January 1, 2005 and signed a service contract after training.

Representatives of this second, voluntary category, in order to participate in the NIS program, must submit an application, fill out a questionnaire, attach the necessary documents, and receive a decision on inclusion in the NIS program.

Savings accounts are opened for the military participating in the NIS, to which funds are subsequently transferred to purchase housing.

An important innovation of 2016: now military spouses can pool the funds of their savings accounts and spend them on the purchase of an apartment or house, which will be jointly owned by the spouses.

Requirements for the property

If the requirements for participants in the NIS program are determined by the state, then the requirements for objects credited under the military mortgage program are mainly determined by the bank issuing the loan. State requirement - housing should be purchased. That is, you can buy a house with a land plot on a military mortgage, but simply a plot of land cannot. Banks are ready to lend to objects of three types:

• new buildings;
• secondary housing market objects:
• houses and townhouses.

The most popular option is buying a new building. This is due to the fact that objects built by accredited developers are involved in the military mortgage. Moreover, accreditation is carried out jointly by the creditor bank and FGKU Rosvoenipoteka.

Often, a serviceman buys an object in a different region where he is serving. More than half of the applications are in the Moscow region. In this case, attracting an accredited developer becomes almost no alternative.

It is very difficult, being thousands of kilometers from the object, to check the legal purity and the degree of deterioration of the secondary object or the progress of work on the construction of a detached residential building. And in the case of a new building from a well-known developer, there is a floor plan, the location of the house is known, the availability of infrastructure, a standard contract tested in practice, and a team of housemates. Having what is called "good practice" and no "skeletons in the closet."

The second group is less numerous and in demand among those borrowers who buy housing at the place of service for immediate settlement. In this case, the borrower often independently or with the help of a realtor selects an option, and the bank gives or does not give its approval.

As a rule, the bank requires that it be a separate apartment-type dwelling with a kitchen and a bathroom, so that the house is not emergency, so that the floors are reinforced concrete. The apartment should not be pledged, no one should be registered in it.

The third group of objects, the lending of which was allowed only in 2012, is the least popular. This is the most expensive group. In order to acquire a house with a plot, even on a military mortgage, you need to invest very significant personal funds. Requirements for the facility include the possibility of year-round living, the presence of an access road. The house, of course, should not have encumbrances.

Choosing a mortgage bank

An important advantage of the NIS program is the ability to choose a bank to your liking. The largest banks offer comparable, but not the same, loan conditions.

Sberbank

Sberbank is the largest and oldest bank in the country and enjoys a reputation for reliability. Sberbank has a large portfolio of offers for every credit taste.

The bank provides military loans in rubles for the purchase of new buildings or secondary housing:

• interest rate: 11.75%;
• loan amount: up to 2,050,000 rubles.

Obtaining a loan does not require confirmation of solvency, there is no requirement for compulsory insurance of the borrower.

VTB 24-Bank of Moscow

VTB 24-Bank of Moscow has a developed network of partners among the largest developers and real estate companies. The conclusion of an agreement is possible not only at the bank's office, but also at the offices of partners. VTB 24 partners often offer customers special programs and discounts. He issues loans to the military for the purchase of real estate in construction or in the secondary:

• interest on the loan - from 12.1%;
• PV - from 15% of the cost of the apartment;
• mortgage size - 2.01 mln.

In case of withdrawal from NIS, an increase in the interest rate on the loan is envisaged. The term of the mortgage is up to 14 years, but it must be repaid by the borrower's 45 years.

Gazprombank

Gazprombank, under the Military Mortgage program, offers loans for finished objects and for construction under the DDU. loans are offered on the following conditions:

• PV - from 20%;
• term - up to 25 years;
• rate - 11.75%;
• maximum loan amount - 2.0 million rubles.

Under the program "Military mortgage with state support" in Gazprombank you can get a loan at 10.6% per annum. However, in this case, the down payment will grow to 50%, and the loan term will be reduced to 7 years.

in the context of the 10 largest banks discussed in the last post.

Thus, if you are primarily interested in the interest rate, your choice is Gazprombank, if the initial payment is low, Sberbank will suit you, and if you need discounts from partners, then VTB 24.

Mortgage registration

The procedure for obtaining a mortgage for military personnel includes several stages:

1. Joining NIS. Allocation of a savings account.
2. Choosing a credit institution.
3. Selection of housing. Compliance check.
4. Obtaining a targeted housing loan (TLC).
5. Signing a mortgage agreement with a bank and special agreements with Rosvoenipoteka, an insurer and a construction company or homeowner.

At the first stage, a reserve officer or warrant officer who wants to become a member of the NIS and has the right to do so writes a report. Registration of the participation of active officers in the NIS is carried out automatically. The command enters the data of potential NIS participants in the register, generates a personal card of the participant and sends the lists on command.

The higher authority verifies the lists and sends them to the registering authority - the Department of Housing. After a positive decision is made, each NIS participant is sent a written notification of the assignment of an individual number, a savings account is opened and money is transferred to it.

A soldier receives the right to spend funds in three years. Start spending them or continue saving - everyone decides for himself. When the decision to enter into a mortgage is made, the stage of choosing a bank and a property begins. The choice of an object must be agreed with the bank.

After agreement, you can proceed to the next stage - registration of the IDC. To do this, you need to prepare all the documents and write a report to the commander. The documents must be prepared in advance, because after submitting the report, you will have six months to complete the entire procedure. If you miss this deadline, the paperwork will have to start over.

If you have not missed the deadline, read carefully the entire package of documents, consult with friends and acquaintances, with realtors and lawyers, consult on the Internet. Having figured everything out, prepare a fountain pen, sign the package of documents and rejoice - the home is almost yours, live on health.

Subscribe to project updates. We are waiting for your questions in the comments. If you need legal assistance, then ask our online lawyer in the form in the lower right corner.

The terms of the Military mortgage, which appeared back in 2005, are being improved from year to year. This is evidenced by the gradual increase in the number of partner banks of the Military Mortgage, as well as the annual increase in the size of state annual funded contributions. Thus, servicemen included in the NIS in 2005-2008, in 2017, while maintaining the level of profitability of the NIS funds at the level of 2015-2016, will additionally receive at least 500 thousand rubles to their personal account, taking into account the income from the investment of NIS funds.

The amounts of the Military Mortgage by year allow us to understand the principle of the formation of military personnel savings for housing and see the whole picture.

• In 2005, when the contractors had just learned about the mechanism of the Military Mortgage, the state set the final annual contribution at 37,000 rubles.

• In 2006, 40,600 rubles were transferred from the budget to the account of each participant in the system.

• In 2007, the Government revised the amount of the annual contribution, increasing it to 82,800 rubles.

• A year later, in 2008, the amount of the contribution was increased to 89,900 rubles.

• The amount of the contribution almost doubled in 2009, when the amount allocated for each participant increased to 168,000 rubles.

• The next year, the amount increased again, which in 2010 reached 175 600 rubles.

  Related materials

  • 2011 saw an increase, albeit not very significant. Then the amount of the contribution increased to 189,800 rubles.
  • In 2012, the state allocated 205,200 rubles as an annual contribution for NIS participants.
  • In 2013, the Government again revised the amount of the contribution to 222,000 rubles.
  • In 2014, the state apparatus allocated 233,100 rubles to the defenders of the Fatherland.
  • In 2015, NIS members received 245,880 rubles each to their personal accounts.
  • Due to the economic situation in the country, the Government decided to keep the annual contribution at the level of 2015. Therefore, contributions in 2016 are the same as in 2015.
  • the cumulative contribution is indexed above the forecasted level, which is insignificant, but compensated for the under-indexing of the contribution in 2016, and amounted to 260,141 rubles.
  • the accumulative contribution was approved in the amount of 268,465.60 rubles.

  
  The contribution is indexed annually based on the official data on the inflation rate, so the amount of the contribution, even if it has not been increased by the state, will not decrease.

  This rule is fixed in the current legislation on the savings and mortgage system.

  Apart from monthly (annual) receipts to the personal account of funds from the budget of the Russian Federation, additional income from the investment of military personnel is also credited to the account.

  In nominal terms, these amounts are very significant and are a weighty argument when considering various options for using NIS funds in order to maximize efficiency.

  In particular, the table below shows, as of January 1, 2016, the amount of income from the trust management of military personnel.
  

  Year of origin the right to participate in the NIS	Investment income range, depends on the month of inclusion in the system (thousand rubles)
  2005	652-685
  2006	610-642
  2007	553-606
  2008	442-540
  2009	346-442
  2010	258-343
  2011	183-249
  2012	111-178

  Military mortgage. Contribution scheme

  
  Accrual of contributions to the accounts of participants is carried out in two ways.

  Increase in the account of NIS participants who have not bought housing (who did not conclude the contract of the CWL by 31.12.2015), occurs on a monthly basis. Each participant is credited to the account once a month 1/12 of the total annual amount.

  In addition to monthly contributions, the amount of investment income is transferred to the account of each participant on a quarterly basis.

  Those participants who bought real estate before 12/31/2015 are immediately credited to the account at the beginning of the year - a lump sum, which means an increase in the total average amount of savings involved in trust management and, accordingly, affects an increase in the total amount received by military personnel from investment NIS funds.