Policy for the protection and processing of personal data of ILIS Group LLC
This Policy for the Protection and Processing of Personal Data (hereinafter referred to as the “Privacy Policy”) explains in detail how the site located at the addresses of the site (hereinafter “we”, “our”, “site”) uses the information left by you or received during any of the Your user sessions (hereinafter referred to as “Your Information”). The privacy policy has been drawn up in accordance with paragraph 2 of Article 18.1 of the Federal Law of July 27, 2006 No. 152-FZ “On Personal Data” (hereinafter referred to as the Law on Personal Data), as well as other regulations in the field of protection and processing of personal data and is valid in relation to all personal data (hereinafter referred to as the Data) that ILIS Group LLC (hereinafter referred to as the “Company”) may receive from the subject of personal data while using the site. Your use of the site constitutes your acceptance of this Privacy Policy. You are informed and agree that your consent, given in electronic form on the site, is a consent that fully meets the requirements of the current legislation of the Russian Federation and allows you to confirm the fact of its receipt by the Company. You give your will and in your interest consent to processing, including collection, systematization, accumulation, storage, clarification, updating, change, use, transfer to the site administration, depersonalization, blocking, destruction, transfer to third parties of personal data, including, but not limited to the following personal data: full name, contact phone number, email address, name of the legal entity, individual entrepreneur, INN, OGRN, OGRNIP, location of the legal entity and individual entrepreneur, bank details and other.
This document applies to the site. The Company does not control and is not responsible for third party sites that you can access via links available on the site.
The site administrator processes the personal data contained in your information in order to fulfill the agreement between the site administrator and the User for the provision of site services (see Rules for using the site).
The Company ensures the protection of processed personal data from unauthorized access and disclosure, misuse or loss in accordance with the requirements of the Personal Data Law.
The Company has the right to make changes to this Policy.
Personal data (PD) – any information relating to a directly or indirectly identified or identified individual, legal entity (subject of personal data).
Processing of personal data – any action (operation) or set of actions (operations) performed using automation tools or without using such tools with PD, including collection, recording, systematization, accumulation, storage, clarification (updating, changing), extraction, use , transfer (distribution, provision, access), depersonalization, blocking, deletion, destruction of PD.
Automated processing of personal data – processing of personal data using computer technology.
Personal data information system (PDIS) is a set of personal data contained in databases and ensuring their processing using technologies and technical means.
Operator is an organization that, independently or jointly with other persons, organizes the processing of personal data, as well as determines the purposes of processing personal data to be processed, and the actions (operations) performed with personal data. The operator is ILIS Group LLC, located at: 115054, Moscow, st. Dubininskaya, 57, building 1, E 2, room. I, K 7, office 30B.
You have the right to access your personal data and the following information:
– confirmation of the fact of processing of PD by the Operator;
– legal grounds and purposes of PD processing;
– goals and methods of PD processing used by the Operator;
– name and location of the Operator, information about persons (except for employees)
– terms of processing of PD, including terms of their storage;
– the procedure for the exercise by the subject of personal data of the rights provided for by the Law on Personal Data;
– name or surname, first name, patronymic and address of the person processing PD on behalf of the Operator, if processing has been or will be assigned to such a person;
– contacting the Operator and sending him requests;
The operator is obliged:
– in cases where the PD was not received from the subject of the PD, notify the subject;
– in case of refusal to provide PD, the consequences of such refusal are explained to the subject;
defining its policy regarding the processing of personal data, to information about the implemented
requirements for personal data protection;
– provide responses to written requests and appeals from subjects of personal data, their representatives and the authorized body for the protection of the rights of subjects of personal data.
All information is collected in three ways.
First, browsing our site will cause its software to create a number of "cookies" (small text files downloaded to your browser's temporary files folder). "Cookies" contain an anonymous session identifier ("session-id") automatically assigned to you by the site's software, as well as information about the forum topics you have read, thus improving your user experience.
Secondly, the site is connected to the automatic service Yandex.Metrica and Google Analytics, which read the parameters of your visit to the site. We need these services to analyze problematic, incomprehensible and bottleneck areas of our site, identify difficulties in the operation of the site, and also localize possible errors.
Thirdly, the website has a programmatic implementation of the ability to submit the following applications:
application for a discount;
request for consultation;
request for feedback;
other application forms.
By specifying a phone number, you automatically agree to send the entered data to partner organizations, to receive SMS messages with important information from the point of view of the site administration about the Savings and Mortgage System of Housing for Military Personnel, including information about current discounts and special conditions. If you wish to unsubscribe from this mailing list, you must fill out an application in any form using the feedback form.
Processing of personal data is carried out:
– with the consent of the PD subject to the processing of his personal data;
– in cases where the processing of personal data is necessary for the implementation and fulfillment of the functions, powers and duties assigned by the legislation of the Russian Federation;
– in cases where PD is processed, access to an unlimited number of persons is provided by the PD subject or at his request (hereinafter referred to as personal data made publicly available by the personal data subject).
Purposes of PD processing:
– implementation of civil law relations.
PD of the following subjects is processed:
– any individuals and legal entities.
The Company is not responsible for any harm or losses caused to you resulting from inaccuracies or errors in the information provided on the site. The Company is not responsible to you for failure to receive any information due to preventive or other technical work on the site. Stored PD of subjects that can be obtained can undergo further processing and be transferred for storage both on paper and in electronic form.
PD recorded on paper is stored in locked cabinets or
locked rooms with limited access rights.
PD of subjects processed using automation tools for various purposes,
are stored in different folders.
It is not allowed to store and place documents containing PD in open
electronic catalogs (file hosting services) in ISPD.
This Privacy Policy is posted on the website, changes to the Privacy Policy are made by posting a new Privacy Policy on the website and comes into force from the moment it is posted on the website, no additional notification of changes is required.
Based on the “Military Mortgage” program at Otkritie Bank, military personnel who have already joined a special system - NIS will be able to buy a good apartment or house on credit at a profit.
The rates on such mortgages are significantly lower than those of classic programs for lending funds for the purchase of housing.
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However, all military personnel who want to get their own housing in this financial organization are required to know the lending conditions, the requirements that it imposes, as well as what other additional amenities there are for such a clientele.
A mortgage loan for the military is a targeted loan of funds for the purchase of residential real estate only with the provision of mandatory collateral - collateral for the purchased housing and its insurance.
Such a mortgage is issued for one purpose - to improve the living conditions of a certain category of citizens.
The general conditions are some key parameters, which are presented in the following table.
Table 2. Terms of a military mortgage loan at Otkritie Bank
One of the main conditions for the mortgage program for the military is the participation of the employee in the NIS system.
Only after inclusion in this system, a citizen (or citizen) will be able to take advantage of this offer from Otkritie Bank. NIS is a savings mortgage system for persons with military personnel status.
They enter this system on two grounds:
You need to be included in the Register of the NIS system through a special registration authority - the federal executive authority. This happens by submitting a report to the commander or an application to the regional housing administration (RUZHO).
At the very end of the registration procedure in NIS, a personal account will be opened in the name and surname of the serviceman to accumulate state subsidies or investment income.
Citizens serving at the state level in the following ranks and areas can participate in such a system:
The average entry age to become a member of the system is 27 years old. All employees, except officers, must hold the rank for at least 3 years. It does not matter whether the rank has changed for promotion or demotion within three years.
In a word, a citizen must complete military service for a period of at least 3 years in order to be accepted into the NIS.
There is also the opportunity to receive benefits for the purchase of housing for those military personnel who were discharged and then re-entered service. But then their total service experience must be at least 10 years.
After inclusion in the System Register, the serviceman is issued a special certificate, which entitles him to receive a targeted housing loan (hereinafter referred to as the TSL).
Its receipt occurs strictly in the order determined by the Order of the Russian Ministry of Defense dated February 28, 2013, which was amended on January 28, 2014. It is with this certificate that you will confirm your right to receive a mortgage on preferential terms, including at Otkritie Bank "
Please note that the validity of such a certificate is only six months from the date of its receipt and signing.
Therefore, it is very important to formalize it not immediately as soon as you join the system, but only before you want to take out a mortgage.
This bank puts forward its own requirements to the borrower, which may differ from the requirements put forward, for example, by Sberbank, Rosselkhozbank and other major lenders.
The difference may lie in the age restrictions of the borrower, and in the right of receipt by those citizens who are registered in other regions of the country, where there is no bank office and other conditions.
Otkritie Bank presents the following requirements to the prospective client, who is liable for military service and wants to obtain housing on credit:
Such an early age limit set for the period when mortgage obligations expire is due to the fact that military personnel retire at 45 years of age. The status of a citizen changes, and he will no longer be able to continue paying his mortgage as a pensioner.
A citizen who has already become a member of the NIS, who is still in military service in the Russian Federation (has not retired), must go through the appropriate stages in order to obtain a mortgage loan from Otkritie Bank.
The loan agreement is not signed immediately; a number of other transactions and agreements still have to be concluded before it. You will also need to think in advance about the necessary documents and their validity periods so that everything matches the requirements of the financial company.
The algorithm of actions during the procedure for obtaining a military mortgage should be as follows:
After signing the contract and fulfilling the bank’s obligations to repay the entire amount for the property to the seller, the client can receive the keys to the apartment, house and move in to live.
For housing under construction or major repairs, you can also take out a loan to a military personnel from Otkritie Bank.
But then the scenario there will develop somewhat differently, because to carry out repairs you will need to confirm the purchase of building materials, and the real estate purchase and sale agreement does not appear in this case.
Therefore, differences in the registration procedure will be made strictly in accordance with the client’s request and the mortgaged object.
The list of documentation that should be prepared and offered to the bank for consideration is fixed under the mortgage program for the military in a special way - Appendix No. 6A to the general Regulations and rules for issuing mortgage loans by the bank PJSC Khanty-Mansiysk Bank Otkritie.
The main documents are the following positions:
The certificate of participation in the NIS can be provided in the form of a copy that was printed from the official website of the Federal State Institution "Rosvoenipoteke".
In this case, you do not even need to provide the original of such a document. If the bank may have any questions, then it will have the right to ask the borrower to provide other documents.
The largest amount, which is determined by the management of Otkritie Bank for those wishing to receive a loan for a military mortgage, can be set as in November last year (2015) - 2 million 50 thousand Russian rubles (2,050,000 rubles). ).
Now the maximum amount is set as standard for all military personnel - 1 million 870 thousand Russian rubles (1,870,000 rubles).
The decrease is due to the fact that in 2019 there were many people who wanted to use the service of obtaining a mortgage loan with benefits for the military.
Therefore, the largest amounts will always be set by the management of the financial organization individually for each case.
Every Russian military serviceman who is already 25 years old and who agrees to the bank’s terms and conditions takes out a mortgage for a period of no more than 20 years (if the client is already 25 at the time of submitting the application), then he can easily get a mortgage for any housing he chooses.
Only for this you will need to first join the NIS program and go through the procedure to become a participant in a targeted housing loan as a military man.
After this, right before submitting the application, a certificate is issued (it is valid for only 6 months), and then you interact with the bank itself.
Bank opening
Otkritie Bank invites NIS participants to take advantage of the Military Mortgage program, aimed at improving the living conditions of military personnel. Bank clients can obtain a mortgage loan for the purchase of housing by participating in shared construction in the amount of up to RUB 1,930,000. for a period from 1 to 20 years. The loan rate is 11.4% per annum in rubles.
| Loan currency: | Russian rubles |
| Minimum interest rate: | 11,4% |
| Maximum loan amount: | 1,930,000 rubles |
| Minimum loan amount: | Absent |
| Minimum loan term: | 1 year |
| Maximum loan term: | 20 years, while full fulfillment of obligations under the loan agreement must be made no later than the month in which the Borrower reaches the age of 45 years. |
| Loan form: | One-time loan |
| Loan fee | not charged |
| Minimum down payment: | From 20% to 80% of the contract price on the basis of which investment in construction is carried out. |
| Insurance: | — insurance of the risk of loss and damage to the apartment built and transferred into the ownership of the Borrower (after registration of the apartment in the ownership of the Borrower); |
| Loan repayment procedure: | Equal in amount (except for the first and last) monthly payments in accordance with the terms of the loan agreement. |
| Conditions for early repayment of the loan: |
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The Internet resource “Military Mortgage in St. Petersburg” offers its clients to familiarize themselves with all the leading banks in Russia that are ready for accreditation. Cooperation is carried out on cost-effective and optimal terms available for implementation. Created specifically for the convenience of clients, our company’s website includes detailed information about the savings-mortgage system program, the nuances of obtaining and other financially useful data. By opening the main page, you can get acquainted with the real estate provided in the Leningrad region and independently choose the ideal option. Primary and secondary market housing with different layouts, square footage, location and pricing policy is offered for sale.
Otkritie Bank is one of the leaders in the domestic lending market.
The large universal bank Otkritie specializes in a wide range of services for individuals and corporate clients. The bank operates with a developed network of branches and divisions. The bank mainly focuses on lending services and comprehensive customer service.
The bank began its history in 1992. By the end of the 2000s, it was included in the rating of the first 20 domestic banks by asset level. By 2012, he was already in the top ten of the ranking.
Today, representative offices and branches of the bank are open in 54 regions of the country, the network includes over 400 offices, and there is also a foreign representative office in Prague. The number of employees exceeds 15 thousand people, who provide services to more than 247 thousand organizations and 3.6 million individuals.
Mortgages for military personnel at Otkrytie Bank appeared in 2015. The program is aimed at assisting in loyal lending for participants in the savings and mortgage system (NIS).
The main advantage of the loan program for military personnel at Otkritie Bank is the minimum number of required documents for registration, loyal loan rates and quick consideration of applications within a few business days.
Otkritie Bank, in its latest press releases, clearly confirmed that military policy is one of the relevant and promising areas of the organization’s work. Therefore, personal lending conditions can be prepared for each borrower, with the size of the loan, interest rates and the period for providing money, depending on age, work experience and savings within the NIS program.
Preferential categories of citizens can count on special conditions when collaborating with banks. Thus, military mortgages in Otkritie are issued to NIS participants planning to improve their living conditions without unnecessary overpayments, huge monthly fees and commissions.
Military apartments are issued to potential clients on attractive terms:
Mortgage opening for military personnel is an excellent opportunity to purchase real estate today, instead of saving for many years.
Rational people act to approve an application according to the following scheme:
Military mortgages are extremely attractive in Otkritie; the maximum amount in 2019 is several million rubles, allowing you to buy almost any apartment in your city.
