Accumulative mortgage system for military personnel Directive d 20. Accumulative mortgage system for military personnel
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Participation in the accumulative mortgage system does not imply any active actions on the part of their participants. Some military personnel become participants automatically, some after writing the corresponding report.
For the military who want to take advantage of preferential terms on a mortgage, it is worth knowing how to obtain a certificate of a participant in the NIS (accumulative mortgage system). In this article, we will write the basic steps that a soldier needs to take to obtain the specified certificate. After all, it is the possession of this certificate that opens the door to obtaining the desired apartment.
Brief theoretical thesis. NIS certificate- This is a certificate that gives its owner (serviceman) the right to receive a targeted housing loan from the state. Payment for this loan is carried out by FGKU Rosvoenipoteka, which we will also consider in the article. If we compare the classic mortgage and the military one, then, in the case of the latter, monthly payments are covered precisely by the savings of the NIS participant and make up 1/12 of the annual state contribution for this participant. For 2016, the amount of contributions is 245,880 rubles, i.e. 20,490 rubles a month for mortgage payments is paid by the state.
Those. every year the state sends to the personal account of the NIS participant sum of money in the amount of 245 880 rubles, and upon registration military mortgage, 1/12 of this amount is transferred to the bank every month, i.e. 20 490 RUR The amount is indexed from year to year. But, as it turned out, the amount of NIS savings in 2016 remained unchanged in comparison with 2015.
As we already wrote in one of the previous materials "" - to purchase housing, you must have a certificate of NIS participant. It is he who will have to be submitted to the bank along with all other documents for the consideration of the mortgage application. The NIS certificate gives its owner the right to issue preferential mortgage and paying for it at the expense of public funds.
How to get an NIS certificate?
The Ministry of Defense has formed the exact procedure for issuing and obtaining this certificate in the form of an order of the Ministry of Defense dated February 28, 2013 No. 166 "On approval of the procedure for the implementation of the accumulative mortgage system housing servicemen in the RF Armed Forces ". Translated into a language understandable to most, these steps result in the following:
Step 1) First of all, you need to become a member of this system. Military personnel become participants either voluntarily, by writing a report, or forcibly.
The following categories of military personnel can voluntarily participate in the NIS system:
- Military graduates educational institutions professional education, starting from January 1, 2005, who signed the first contract for military service before January 1, 2005
- Sergeants and foremen, soldiers and sailors who entered into a second contract for military service no earlier than January 1, 2005;
- Warrant officers and warrant officers, the total duration of military service under the contract is 3 years, starting from January 1, 2005, if they entered into the first military service contract before January 1, 2005 (i.e. after January 1, 2002) ;
- Persons who graduated from military educational institutions of vocational education in the period after January 1, 2005 to January 1, 2008, who received the first military rank of an officer in the course of training.
- Persons who received the first military rank of an officer in connection with entering military service under a contract for a military position for which the state provides for the military rank of an officer, starting from January 1, 2005 to January 1, 2008.
- Military personnel whose total duration of military service under the contract is less than 3 years who received the first military rank of an officer in connection with the appointment to a military position for which the state provides for the military rank of an officer, in the period after January 1, 2005 and before January 1, 2008.
- Military personnel, the total duration of military service under the contract is less than 3 years, who received the first military rank of an officer in connection with the completion of training courses for junior officers in the period after January 1, 2005 and before January 1, 2008.
Compulsory participation in the NIS system is imposed on the following categories of military personnel:
- Persons who graduated from military educational institutions of vocational education and concluded the first contract for military service after January 1, 2005.
- Officers called up for military service from the reserve or voluntarily enlisted in military service from the reserve and who have entered into the first contract for military service since January 1, 2005.
- Warrant officers and warrant officers who signed the first contract for military service after January 1, 2005 (they can become members of the NIS if they have a total duration of their military service under the contract of 3 years).
- Persons who received the first military rank of an officer in connection with entering military service under a contract for a military position for which the state provides for the military rank of an officer, starting from January 1, 2005.
- Servicemen, the total duration of military service under the contract is less than 3 years, who received the first military rank of an officer in connection with the appointment to a military position for which the state provides for the military rank of an officer, starting from January 1, 2008.
- Military personnel, the total duration of military service under the contract is less than 3 years, who received the first military rank of an officer in connection with the completion of courses for the training of junior officers starting from January 1, 2008.
- Military personnel participating in the NIS, who, after being discharged from military service, entered into a contract for military service with any federal body executive branch where federal law military service is provided.
In the case of voluntary participation, a soldier, as already written above, writes a corresponding report to the unit commander. This report must be registered in the service documents register. After review, this report is sent to one of the military departments, where data from other participants is collected. This generalized consolidated list is then sent to the registering authority of the Ministry of Defense, where the serviceman is included in the register of participants in the accumulation and mortgage system. According to the register, each NIS participant is assigned a registration number, which is subsequently tied to a personal savings account, where funds from the state are received.
After a serviceman is included in the NIS register, a notification is sent to him about his successful registration in the system, and his registration number is also transmitted. A soldier became a member of the NIS .
Step 2) Having received a notification about inclusion in the NIS register, a soldier can do nothing for the next 3 years, except to honestly carry out his service. Over the next 3 years, on his personal savings account money will accumulate, which, of course, he cannot spend. For operational accounting of incoming contributions, a soldier can monitor them online using a personal account. More details.
After 3 years of service, a serviceman who wants to improve his living conditions submits another report for obtaining a certificate of the NIS participant in the name of the unit commander. This report must also be registered in the business documents log.
- The official responsible for the implementation of the NIS in the military unit, on the basis of the reports of the NIS participants, generates information in the form in accordance with Appendix 14 to the Procedure and sends them to the Regional Housing Administration (RUZHO).
- This department collects and processes information from NIS participants who have expressed a desire to receive a housing loan from the state.
- Having formed required lists, RUZHO transfers them further along the chain - to the Department of Housing of the Ministry of Defense of the Russian Federation, which is, in fact, a registering authority. He registers the participant in his register and already transfers them to the Federal State Institution Rosvoenipoteka, which will continue to be the payer of the accumulative contributions and monthly payments on the mortgage loan.
- Rosvoenipoteka draws up the NIS certificate and transfers them back along the chain to the serviceman either by mail or through an official.
What does the department of FGKU "Rosvoenipoteka" do:
- Accumulation of funds for NIS participants;
- Registration of certificates of NIS participants;
- Registration of housing loans for military personnel;
- Transfer of funds to the bank as monthly mortgage payments;
- Registration and issuance of savings of NIS participants in cash in the event of the emergence of the right to use them;
- Information and explanatory work on the functioning of the NIS, the housing market, paperwork, etc.
After receiving the NIS certificate
Having received the coveted certificate, the soldier can begin to search. It turns out that the state, after 3 years of participation in the NIS, will allow to use about 700-800 thousand, this is the amount that will be accumulated by the serviceman on his personal savings account. This money can be set off as down payment(if you wish, you can add your own, but this is optional), and the remaining mortgage will also be repaid by the state.
NIS military personnel or the accumulative mortgage system is designed to provide this category of the population with housing or to increase their housing conditions... She has been working since 20.04.2004 in accordance with the law of Russia N 117-FZ "On the accumulation and mortgage system of housing for military personnel" ... The system replaces civilian mortgage lending for military personnel and has some, but significant differences from it.
This program has the following scheme. Included in registry NIS participants, serviceman opens a special personal bank account, which participates in the state program "". It will receive monthly subsidies from the state budget, which are set by the state in a certain amount.
The system participant must stay at NIS for 3 years, after which he gets the right to register home loan intended purpose(TsZhZ). Its size is determined by the state budget and changes annually, but the amount is approximately equal to 2 million rubles or more. Subsidies are credited to the account only in national currency- in rubles.
In addition to this amount, the funds transferred to his personal account are also added, which by the end of three years will become about 600-700 thousand rubles. This is the amount that will be allocated to a serviceman participating in the NIS "Military Mortgage" to improve their living conditions or buy a home in a chosen banking institution. All payments on this target loan are borne by the Russian Ministry of Defense.
The very process of buying a home for a military man who has a certificate of a NIS participant is quite laborious and includes several steps:
- "Military mortgage".
- Appraisal of the acquired real estate.
- The process of concluding a preliminary written agreement with the seller to buy and sell housing.
- Conclusion of an agreement between credit institution and the lender of the military mortgage agreement.
- Conclusion of an agreement for insurance of the acquired real estate.
Only after passing all these steps, the borrower can conclude a solid purchase and sale agreement for the dwelling and transfer all the collected documentation to the organization FGKU "Rosvoenipoteka".
How can a military officer join the NIS?
To enter into a military mortgage by acquiring NIS certificate , a soldier is obliged:
- Write a report, and in a definitively established form, about his desire to join this credit program and submit it to the unit commander. It must be registered in a special registration book located in the military unit.
- This information will be submitted to the Department of Housing of the Ministry of Defense of Russia.
- The Ministry of Defense will transfer all the necessary data on the participants of the NIS program, who wish to acquire the CZHZ, to the management of Rosvoenipoteka.
- And only after receiving this information, Rosvoenipoteka can already issue "Certificate of NIS participant" , and the soldier to get all the information he needs on the mortgage loan of this program.
This certificate is valid for only 0.5 years after the date of its signing.
After this period, if the certificate is not realized, the soldier must again write an application for a new document on the CPJ. To him, in mandatory, attaches unused certificate NIS in original.
Whatis the NIS registration number ?
A serviceman wishing to join the NIS undergoes registration twice: the first time in the unit where his application for participation in the NIS is registered, and the second time in the Federal State Institution "Rosvoenipoteka". It is there that he gets registration NIS member number .
After the application and all the data of the army player are checked by this body, the participant is entered into a general consolidated list with other applicants, which is subsequently entered into the consolidated register of all participating in the NIS.
Rosvoenipoteka, its department dealing with registration of participants, assigns it a number, which consists of twenty digits. This is registration NIS member number , which is unique and constant throughout his service in the military forces of the Russian Federation. It is to this account that a savings account will be drawn up for crediting funds.
He is informed of his entry into the register by a notification, which he receives against receipt. If the soldier, at the time of receipt of the notification, is transferred to another duty station, then it is sent for him to the new commander, who hands it over to the serviceman.
You should know that after writing and submitting an application for participation in the NIS, the notification of its entry into the register of NIS participants will come only after 3 months.
CalculatorNIS.
In order for a serviceman who joined the NIS "Military mortgage" to correctly assess their ability to buy housing and know the required down payment on a mortgage, use the NIS calculator. The same service can be used if a soldier wishes to join the NIS "Military mortgage" ... At the same time, he assesses his size of the loan debt to the state, in accordance with the new contract for the IDC. But in this case, the amount for the mortgage will be much lower, with a difference of 200 thousand rubles or more.
This calculator allows you not only to calculate all the parameters of a mortgage loan, but also makes it possible to assess the benefits or see the disadvantages early repayment loan with your own funds.
Calculator NIS - This is a special program, with the help of which, using the certificate of the program on the use of the WWC, the possible loan amount is calculated. It calculates the terms and procedure for repayment of the loan, the value of which will depend on the following basic parameters:
- length of service;
- the amount of the down payment;
- the amount of additional own contribution;
- the age of the creditor;
- loan term;
- the interest rate on the loan;
- the cost of housing;
- maternity capital, etc.
Use a service such as calculator NIS , today it is possible on the official sites banking institutions who have this service in their arsenal or on the site of "Gosvoenipoteka".
NIS military personnel - This is the only state program for this category of the population of Russia, thanks to which the army team will be able to improve their housing, build new or purchase the necessary residential real estate on very favorable terms for them.
The times when everyone could get housing from the state are over. Now the solution of the housing issue falls on the shoulders of those in need. Since 2005, a special system of the Targeted Housing Loan (TSHL) for the military has been in operation. The essence of this program will be discussed in this article.
Mortgage
To buy an apartment on mortgage through a bank, you have to make the first installment and pay a certain amount of money every month. Such a scheme may be suitable for representatives of typical professions with a stable income level, but not for people who have devoted their whole lives to public service... In 2004, the government developed an accumulative mortgage system (NIS) especially for them.
The essence of the program is as follows. A NIS participant receives a monthly subsidy on his account, which he can use only to pay an advance on a mortgage. In 2013, its size was 18.5 thousand rubles. During the year, it was possible to accumulate 222 thousand rubles. The size of the subsidy is the same for all employees, but it is indexed upwards annually. In 2014, this amount was 233.1 thousand rubles. 36 months after participation in the program, you can submit a report on the issuance of a certificate (CVC) for a soldier. This is the starting point for obtaining a mortgage. Although the money goes to the borrower's account, he cannot use it until a certain time. Therefore, formally, a person receives funds in loans. The program is aimed not only at providing housing for a certain category of citizens, but also at forming an army. Having received a loan from the state, a person cannot quit his job. on their own... Otherwise, you will have to return all funds to the budget.
The money accumulated in the borrower's account is multiplied by investing using reliable financial instruments... Funds can be received in cash only after leaving the service and under certain conditions.
Further actions
After receiving the documents, it's time to start looking for an apartment. The IDC certificate for a soldier is the approval of the borrower by the bank, confirmation of his solvency. Apartments can be chosen in a finished house or in a new building. The object on the primary market must be accredited by FGU Rosvoenipoteka. There are few of them. After the client has decided on the choice, you can contact the bank to draw up an agreement.
To get a loan for military personnel, you need to fill out a questionnaire, an application for a loan and open an account, provide a package of documents and a report on the cost of an apartment. Papers are reviewed within 10 days. After receiving approval, the employee must go to the office to sign the contract. Another 12 days are spent on transferring funds from Rosvoenipoteka to the bank. The transaction amount is equal to the down payment. Then, the borrower's own and credit funds appear on the account of the borrower. This money is received by the seller after the registration of documents and the transition. This is how a loan for military personnel under a contract is issued.
Who can participate in the program?
According to Federal Law No. 117 "On NIS", these can be military men who serve on a contract basis in the ranks of the Armed Forces of the Russian Federation. The availability of housing before the application is submitted does not affect the decision.
NIS must necessarily include:
Graduates of specialized institutions who signed the first contract after 01.01.2005;
Reserve officers or volunteers who entered service after 2004;
Warrant officers, warrant officers who have worked for more than three years after 01.01.2005;
Military personnel who received the rank of officer after 2007.
Voluntary program participants can become:
Sergeants, foremen, soldiers, sailors who signed a new contract after 2004;
Officers who received the rank from 2005 to 2007 inclusive and served under the contract for at least 3 years;
Warrant officers, warrant officers who worked for more than 36 months after 01.01.2005, but signed the first contract before that date;
Graduates of 2005-2007, who received in the course of their studies.
Mortgage terms
If a soldier becomes a member of the NIS, then a savings account is automatically opened in his name. For graduates of educational institutions in 2005 and later, as well as persons who have completed the training course for junior officers after 01.01.2008, this is the basis for obtaining an officer rank. For ensigns, warrant officers who have served for three years - the conclusion of the first contract. Volunteers to participate in the program must write a report to the commander. The date of its registration in the log book will be considered the basis for inclusion in the NIS.
Each serviceman is assigned a number, on the basis of which FGU Rosvoenipoteka opens a savings account. Notification of the inclusion of a person in the register is sent to the unit.
Exiting the program
In case of dismissal from service, death, recognition of a person as missing, he is excluded from the NIS. is closed, and all funds, depending on the circumstances, are transferred to the military's family or returned to the federal budget.
Three years after opening an account, the borrower is entitled to use the funds to buy a home. After that, a subsidy will still be received on the l / s. The accumulated amount at the time of dismissal from the army can be received in cash. It is permitted to spend this loan for or for other purposes. The same opportunity appears for persons who have served for more than 20 years. A soldier with ten years of work experience can also receive money in cash if he is fired:
Due to the achievement of the maximum length of service;
Due to recognition as unfit for work for health reasons;
For family reasons, which are provided for by law;
As a result of organizational and staffing activities.
In the event of death, death, recognition of the person as missing, the accumulated amount is paid to the family members of the military. In other situations, the money is returned to the budget.
How to buy an apartment?
The accumulated funds under the ILC program can be used to make an advance and a part of the monthly payment. The maximum loan amount is calculated on the basis of the contributions that must be in the account of the soldier by the time he turns 45. Since the size of the subsidy is annually regulated by law, the limit is calculated taking into account indexation, forecasted inflation and interest rates. Cash are transferred to a bank account only for making an advance payment or monthly installments on a loan.
ALGORITHM FOR OBTAINING CZHZ
1. Report addressed to the unit commander.
2. FGU "Rosvoenipoteka" draws up a certificate.
3. Calculation of the maximum loan amount.
4. Search for an apartment.
5. Applying for a targeted housing loan.
6. Obtaining a positive decision.
7. Signing an agreement with the bank.
8. Checking the conditions of FGU "Rosvoenipoteka".
9. Signing of the contract for IDC.
10. Transfer of funds to the bank for making an advance payment.
11. Conclusion with the seller of the contract of sale and registration of housing.
12. Transfer of the package of documents to the bank.
13. Transfer of money to the seller.
What does the certificate indicate?
The document contains information on the following issues:
Full name of the participant;
The validity period of the CZHZ;
The amount of funds in the accumulated account;
Personal account balance.
A certificate is issued within 30 days after signing the form. Then it is sent by express mail to one of the branches of the Federal State Institution "Rosvoenipoteka" or to the unit commander. The document is valid for 6 months. If during this time the certificate has not been implemented, it must be handed over to the local branch of the Federal State University.
How is a loan for military personnel repaid?
The money used within the NIS, after 20 years of service, passes from the category of a targeted loan to a gratuitous subsidy. If a person leaves before this deadline, he must return the funds with interest within 10 years. The IDC agreement provides for an annuity scheme for debt repayment.
Nuances of insurance
The bank can resell the mortgage. When changing the owner, the borrower needs to amend the insurance contract. The soldier learns about this from an official letter from the bank. After receiving the notification, you need to appear at the agreed time insurance company and re-sign the contract.
Military mortgage: Sberbank, VTB
The borrower can independently choose to execute the contract. The conditions are almost the same everywhere:
The minimum age of the borrower is 21 years;
At the time of completion of the contract, the soldier must be under the age of 46.
The difference lies in the interest rate and the maximum amount that can be obtained under the Military Mortgage program. Sberbank provides its customers with loans at 10-12% per annum for 20 years, subject to a 10% advance payment. The maximum amount is 2.17 million rubles. Based on the agreed conditions, the maximum age of the borrower at the time of signing the documents is 25 years. A big advantage of this scheme is a small commission for use. borrowed money... For comparison: under any other mortgage program Sberbank starts at 12%. VTB provides loans to military personnel for up to 14 years at 12.5% per annum. The borrower must pay at least 20% of the cost of the home as an advance. The maximum loan amount is RUB 1.9 million.
What do you need to find out at the bank?
Ask the employees of the financial institution for the following information:
Loan limit;
List of required documents;
Lender's requirements for the acquired premises;
List of partners accredited by AHML, if it comes about buying an apartment on the primary market.
Until housing approval credit institution it is not worth transferring money from a savings account. It is not a fact that the seller will want to return the deposit if the bank refuses to issue a loan.
The acquired housing becomes the property of a soldier from the moment of registration of documents. But the right to dispose of it will be limited, since it is a pledge in the return of the loan. The owner will not be able to sell the real estate until he fully repays the debt to the bank.
A few more nuances
1. An NIS participant can live in the purchased living space, rent it out (subject to permission from FGU Rosvoenipoteka).
2. Members of the armed forces have the right to tax deduction... Refunds are subject to funds contributed in excess of the TsZHZ, as well as the costs of finishing and designing an apartment in a new building. A deduction is possible as long as the total amount of expenses does not exceed 2 million rubles.
Output
CPL for a serviceman - confirmation of the client's solvency, the ability to buy an apartment on credit on favorable terms. After 3 years of participation in NIS, you can apply for a certificate. Based on this document, the bank calculates the maximum loan amount. Then you can start looking for a specific offer on the market. The terms of the mortgage are as follows: the loan is provided at a preferential interest rate (10-12.5%) for a period of up to 20 years. The amount accumulated under the program is used to pay the advance, and then to pay off part of the monthly payment. After 20 years of participation in NIS, the money can be withdrawn in cash.
NIS was introduced in 2005, when the corresponding law came into force. In 2007, the system for providing mortgage loans to military personnel was implemented and refined on an experimental basis.
The procedure for inclusion in the NIS
How do I become a member of the program? The system applies to persons who have Russian citizenship, who are in contract military service and are included in the register. The order of forming the lists is regulated.
To participate in the system, you must submit a report addressed to the commander of the unit where the service takes place or the applicant's personal file is located. The document must be registered in the journal, after which the information is sent to Rosvoenipoteka to include the applicant in the list.
The soldier receives notification, which contains confirmation of the fact that he is included in the list, as well as the registration number in it. The filing date of the report is the beginning of the soldier's participation in the program.
An NIS participant can receive funds from the bank after providing the following package of documents:
- identification;
- certificate confirming participation in the program;
- serviceman's certificate;
- consent of the spouse to purchase real estate or an agreement indicating the shares of property of the spouses;
- a document on the conclusion of a marriage union.
Conditions for participation in the system
Turning on a citizen in the program takes place on the following grounds:
- Persons who have been trained in professional institutions or military educational organizations who have signed an agreement on entering the service are required to obtain an officer rank from 01.01.2005.
- For citizens called up to serve from the reserve, it is necessary to conclude a service contract.
- For warrant officers and warrant officers who began service after 01.01.2005, a certain period of conducting this activity is required, equal to three years.
- For foremen, sergeants, soldiers, participation in the program is made upon the conclusion of the second contract after 01.01.2005.
Citizen excluded from the program on the following grounds:
- termination of military service;
- in case of death or missing;
- fulfillment of obligations on the part of the state to provide housing for a serviceman.
When a citizen is transferred from one unit to another, where military service is also provided, his status in the system and accumulations are preserved. The presence of real estate is not a basis for excluding a citizen from the register.
Directions of use of funds
You can use the funds in one of the following areas:
- as an initial payment for the purchase of real estate;
- application of the available amount for other purposes.
To use funds not to purchase residential areas, and for other purposes, the following conditions must be met:
- Duration of service for 20 years and more.
- Termination of service, if its term is 10 years for certain reasons ( the change structure and staff of the department, health problems, family circumstances).
NIS is valid during the entire period of the citizen's service. The loan term depends on the banking organization. The minimum period is usually 36 months. The longest period is established until the moment when the soldier fulfills 45 years. Interest rates on military mortgages are also fixed by banks themselves.
Repayment credit funds can be produced at the expense of the citizen's own funds. To do this, you need to contact the bank and clarify in what time frame you can pay the remaining amount, to which account to make the transfer and agree with the bank a new procedure for the payment of funds. The banking organization will send a notification to Rosvoenipoteka that the loan has been repaid ahead of schedule.
Conclusion
- The accumulative mortgage system of housing provision for military personnel allows this category of persons to acquire real estate in their ownership.
- It is allowed to join the NIS from the beginning of the service.
- The program is valid for certain categories of military personnel and requires compliance with a number of conditions.
- After receiving the application from the participant, the registering authority makes additions to the register.
- Three years after the submission of the report, the citizen receives a certificate for a targeted loan.
- Banking organizations provide special conditions for a military mortgage.
- Obtaining credit funds is possible if you have the necessary documents.
- Subject to certain conditions, it is allowed to use the savings for purposes other than buying real estate.
- It is allowed to early repay a loan for a military mortgage in agreement with the bank.
The most popular question and answer to it on NIS
Question: How to find out the status of a registered account with NIS?
Answer: All funds deducted within the NIS go to the personal accounts of the participants. To find out the state of the account, you need to send a request to personal account on the Rosvoenipoteka portal. To do this, you first need to register on the resource. Consideration of the application takes 4 days, after which the participant sends a response. To obtain it, you need the number assigned during registration. The information is published in a closed section.
Buying your own home is an important issue for a soldier. It becomes even more relevant after marriage and childbirth. The government is trying to provide housing for military personnel, now the purchase of an apartment is possible on credit using the developed state program- military mortgage. It has existed for over ten years and with its help many have managed to become property owners.
What is military mortgage
The program is intended to replace the distribution of apartments in turn with the opportunity to buy real estate on credit for the target housing loan(TsZhZ). The created mortgage for military personnel is a tool for obtaining residential real estate within the framework of the state program for providing affordable housing and is designed to minimize the financial burden on a serviceman when buying a home.
Military mortgage - terms of provision
The legislation provides for the repayment of the entire amount or a significant part of the debt obligations of a soldier for the acquired property at the expense of public funds. The provision of a military mortgage is due to participants in the accumulative mortgage system. The conditions for issuing credit funds may differ in banks in the size of the interest rate, initial payment, but the general ones are:
- loans are issued from the age of 21;
- maximum amount borrowed funds is 2,200,000 rubles;
- loan term - from three to twenty years or until the borrower is 45 years old.
Who is eligible for a military mortgage
Servicemen can use the program after writing a report and submitting it to the unit commander. Enrollment in the register of participants occurs ten days after the receipt of the report by the Federal State Institution Rosvoenipoteku. Who is entitled to a military mortgage? The program came into effect on January 1, 2015, so all calculations start from this date. The basis for inclusion in the register is military service under a contract. The following can be included in the register:
- university graduates who graduated after accepting the program, but entered into a contract before enrolling in training;
- officers who entered into a contract after the law was passed;
- warrant officers and warrant officers who have served under a contract for at least three years after the entry into force of the program;
- soldiers, sailors, sergeants and foremen, who, after the start of the program, entered into a second contract.
Military mortgage, if there is housing in the property
Previously, if there was residential real estate, it was impossible for a serviceman to receive an apartment for distribution, according to the queue. The essence of the military mortgage is that the purchase of residential real estate under mortgage lending is due to all participants in the program, regardless of whether they have already purchased housing for their own money or received it as an inheritance.
Changes in military mortgages in 2017
This year, innovations have come into force that simplify the purchase. real estate military personnel. What is the Federal Law on military mortgage with latest changes? There are three main areas of improvement:
- the indexation of the annual accumulative contribution will be carried out, its size will increase to 260 thousand rubles.
- military spouses will be able to use total amount savings for a mortgage loan for the acquisition of one property;
- when paying additional funds at the time of dismissal, they will not take into account the presence of their own real estate.
How to get a military mortgage
The opportunity to purchase residential real estate under the program is provided depending on the rank after 6 years or three years (for officers) after the conclusion of a contract for service in the armed forces. Obtaining a mortgage by military personnel can be divided into three stages:
- 3 years before the right to join the system;
- 3 years before the funds can be used;
- registration of a transaction for the purchase and lending of real estate.
Participation in NIS
The basis of the created state program, a tool mortgage lending is the accumulative mortgage system of housing provision for military personnel. After the participant is included in the register, a personal account is opened for him, to which the approved amount is credited annually. The source of account replenishment is funds federal budget... The amount of enrollment does not depend on the military rank and region of service.
The replenishment amount is periodically indexed: the increase in the annual contribution is influenced by the change in the cost of housing and the rate of inflation. Before retirement, a significant amount accumulates on the participant's account for which you can purchase nice apartment... The controlling and executive body of the system is FGKU Rosvoenipoteka, which is part of the RF Ministry of Defense. On the official website of the structure, a participant can register and receive information about the state of the account.
Choice of housing
The legislation does not provide for linking the choice of real estate to a separate region, housing under a mortgage must be located in Russia. You can take out a mortgage loan for:
- buying a finished home;
- purchasing apartments in new buildings from developers according to the system equity participation;
- for the construction of an individual residential building.
Program participants need to calculate their financial opportunities, because the funds accumulated with the help of the system are quite enough to buy an apartment. In Moscow and the region, in St. Petersburg, the cost of real estate is high, so those who decide to buy an apartment in these cities will need to make an additional payment own funds.
Calculation of military mortgage
The participant receives the right to use the savings after being registered for three years. The amount accumulated by this time is, as a rule, sufficient to make the initial payment. Will help potential borrower understand the amount of savings, down payment, monthly payments online calculator for military mortgages.
To obtain an approximate calculation of a housing loan, you must enter the date of registration of the program participant, the cost of the desired housing. The system itself will calculate the amount of accumulated funds, down payment, monthly payments and, if there are not enough funds on a personal registered account, it will indicate the amount of its own money required for depositing.
Which bank gives a military mortgage
Borrowers have the right to choose a financial institution for obtaining a home loan after comparing the terms of the loan. All banks working with military mortgages offer housing loans on concessional terms, at low interest rates... These include:
- Svyaz-Bank;
- Sberbank of Russia;
- VTB 24;
- Gazprombank;
- Mortgage Agency housing lending;
- Opening.
Registration of a military mortgage
After registration, after three years, the participant can use the funds from a personal account. The registration of a mortgage for a serviceman of the Armed Forces of the Russian Federation continues with the issuance of a Certificate of the right to receive a targeted housing loan. To do this, the soldier needs to write a report again and hand it over to the leadership of the military unit.
Mortgage documents
After deciding to use the accumulated funds, a citizen needs to study the conditions of banks that give loans under the program, and choose the best option for himself. The borrower needs to contact financial institution to obtain a preliminary decision - to issue a home loan. What documents do you need for a military mortgage to get a certificate? A serviceman must, in addition to a report, submit a package of documents to Rosvoenipoteka:
- copies of all pages of the passport;
- copy loan agreement;
- a copy of the agreement for opening an account.
Tracking a package of documents on the Rosvoenipoteka website
The process of consideration of documents by the structure of the Ministry of Defense takes up to three months. The service of the official website of Rosvoenipoteka provides an opportunity for participants to track the stages of document promotion when they:
- received;
- on legal expertise;
- submitted for signature;
- sent.
After sending, you can receive information about the location of documents on the official website of the courier service using the invoice number. The sent certificate is received by the bank, it indicates the amount that has been accumulated, the amount of monthly deductions and the maximum crediting period. After receiving the certificate, the credit institution can issue a mortgage for the military.
Buying an apartment with a military mortgage
The next stage in order to buy an apartment on a military mortgage is the collection of documents for the acquired property. The borrower needs to assess the property using independent expert... The conclusion of a property insurance contract, home purchase and sale and lending takes place at the same time. After this stage, the registration of ownership takes place.
Who pays the military mortgage
The existing balance of funds on the personal account of the participant is credited to the account of the initial contribution after signing mortgage agreement and transfer of documents to Rosvoenipoteka. Monthly payments on military mortgages are transferred to the bank to repay the loan and accrued interest by Rosvoenipoteka in the amount of 1/12 of the amount of annual accumulation receipts. Often, to pay off debt, a soldier does not need to contribute his own funds, all his loan expenses consist of:
- payment for an expert assessment of the object;
- insurance cost;
- payment for notary services.
Military mortgage upon dismissal
The created mortgage for servicemen under the contract is designed for the long-term nature of military service. Its main goal is to provide housing for program participants. A mortgage upon dismissal of a serviceman after twenty years of service involves the payment of the full amount of funds accumulated in the personal account of the participant, if he did not use their advance to buy real estate. The balance is payable to the member or used to pay off his mortgage debt if he is dismissed after ten years of service due to deteriorating health.
Of your own free will
Serious financial consequences arise for a serviceman from a program participant if, before the expiration of 20 years of service, a breach of contract occurs or a decision is made to leave the Armed Forces. A military mortgage, upon dismissal of one's own free will, is repaid independently, and the funds used savings system are to be returned to the Department of Defense.
For health
A military mortgage upon dismissal for health reasons provides for two consequences:
- Deterioration of health after ten years of service. The participant is entitled to compensation payments equal to the amount of accumulation for a full twenty years. With their help, the borrower can pay off the balance of the mortgage loan.
- Deterioration of health before reaching ten years of service. In this case, the participant is forced to independently repay the debt and return to the state within ten years the funds used by the IDC.
On OShM
Mortgages upon dismissal under OSHM will have various consequences for program participants. Dismissal in this case is also considered as a reason independent of the employee, therefore:
- Those who have served for more than ten years do not bear financial commitments to the state, but the remaining mortgage debt is obliged to pay off independently.
- With a service life of less than ten years, the participant mortgage program must pay off the balance of the mortgage loan and return the used amount of savings to the Department of Defense over ten years.
Pros and cons of military mortgage
The program has the following advantages:
- You can get residential real estate at the beginning of the service for public funds without investing your savings, even if you have your own home.
- You still have the right to receive service housing when you move, if you have your own.
Mortgages for military personnel have disadvantages:
- The need to return funds to the state and pay off the loan debt on their own upon dismissal without good reason or before reaching 10 years of service.
- A complicated mechanism for the sale of purchased real estate, because it is pledged by Rosvoenipoteka and the bank. You can remove the encumbrance after closing the debt.
Video: buying an apartment for a military man on a mortgage
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