Welcome! Today we will find out what a social mortgage is, who can get it. How to get a social mortgage. How banks and social mortgages interact. Read the post to the end and you will find out all the news of 2019 on this topic.
You can acquire your own housing at the expense of your own funds, who have them, or you can resort to the help of banks and use mortgage credit lending. But what if the income does not allow you to use any of these methods? Social security comes to the rescue. It is she who exists in our country to solve the housing problem of citizens with medium and low incomes.
What is the difference between a regular loan and a soft loan? First issued commercial bank a client who repays a loan and interest on it with his own funds. It follows that the consumer can only rely on his own strength. Wherein annual rate for the use of borrowed funds and the down payment will be rather rather big. treaty social mortgage will include a third party to the agreement - the state. Here, his role is to support the interests of both parties: reimburse the bank for its commercial benefits and provide citizens of the Russian Federation with affordable housing.
Social mortgage lending is a government program implemented at the subject level. Therefore, in each region it has its own characteristics, which can be found in the local authorities at the place of residence, or in AHML.
What is the essence of social mortgage? The point is that the housing mortgage will be issued with one or another support state budget. And in what amount - depends on which category of beneficiaries you fit. In fact, a social mortgage is a complex concept that includes a number of government support programs for the population as part of the housing issue. They are often confused and confused into one concept.
The concept of "social mortgage" should be divided into a number of derivatives:
In certain cases, state assistance will be 10-50% of the cost of the apartment. There are regional subsidies that reimburse 100 percent of the price of housing, and the citizen only has to pay interest to the bank. For young people, such support can be 30%, and for young families with children - 35% of the market value of the home.
There are the following social mortgage conditions:
Who is eligible? Many citizens are unaware of the opportunity for them to acquire housing on preferential terms. To do this, you need to know who can get a social mortgage.
You can expect to receive in 2019:
Program participants are solvent working citizens of the Russian Federation who have stable incomes and are able to get a loan, i.e. comply with the terms of its provision; having accumulated funds for down payment. Their credit history must be positive. They must be recognized as in need of housing improvement or residents of the emergency fund (for a number of subprograms). For state employees, it is required to have a work experience by profession of three years or more in state structures. Citizens from 18 to 54 years of age with continuity of service in one place for at least six months fall under the housing social mortgage fund. Military personnel who have served for at least ten years. More detailed conditions should be considered for specific programs.
First of all, you need to make sure that you are in any category of beneficiaries. Depending on the type of program, contact the authorities and/or the bank first. If so, the next step is to collect the necessary documents.
The basic list includes:
This list is basic and basic for all categories of beneficiaries and is supplemented depending on which social program suits you. What documents are still needed, you can find out more in the rest of the articles on our site.
A special certificate will be required in order to become a member of the Young Family program in 2019. You must notify the local authorities and the bank of your intention to receive soft loan to buy an apartment and get into the final list.
When the lists of such participants are formed, the municipal government receives money from the budget for subsidies and distributes them. By that time, you will need to give a loan agreement already drawn up with the bank.
Most profitable offer under this program in 2019 is offered by NOAIK, a partner of AHML in Novosibirsk, for example, the rate of 10.95 for finished housing and 11.2 for the construction period.
A mortgage for military personnel involves opening a nominal savings account. The state monthly transfers certain amounts to it, regularly indexed. The money can then be used to purchase a home. You can use it both during service and after leaving the reserve. Such a product in 2019 is available to all young officers, even those who already own real estate. Several banks are engaged in lending to the military under the NIS.
And other points are discussed in our last post. You can also use our credit calculator for calculation.
The advantage is that a decision is made within three days with a minimum package of documents. The only requirement for the borrower is a period of service of at least three years.
To find out the amount of the monthly loan installment, use our website.
Social mortgage "Building the Future" operates in the Republic of Tatarstan (Kazan, Naberezhnye Chelny, etc.). The essence of the program is that the family joins the “Building the Future” cooperative and then participates in the auction of apartments, offering their affordable price for them. The family that offers the highest price will win the competition and receive the apartment at a discounted price. Social mortgage Building the future is available in the city of Naberezhnye Chelny, for example, 90% of the population.
The social mortgage "We are building the future" under the President of the Republic of Tatarstan is issued on the following conditions: Rate from 7% per annum; First installment from 10% of the loan amount; Term from 20 to 28.5 years. To draw up an agreement, you should contact AK Bars Bank, Kara Altyn Bank, Sberbank of Russia.
In Naberezhnye Chelny, the most favorable rates are offered by VTB24 Bank (this is 9.4% per annum for using a loan and a down payment of only 10% for any convenient loan term), Rosbank, and the Mortgage Agency of the Republic of Tatarstan. To select a credit institution and more favorable conditions for yourself, use our mortgage calculator.
Rosselkhozbank has developed a special loan product– rural mortgage in Russia. It was created to help young professionals living in countryside. It implies that part of the debt is repaid from the federal budget, another part is allocated by the region, part by the local agricultural producer, and the remaining small share is paid by the employee himself. This is one of the few banks that does not refuse to give loans to clients from the provinces because of the low value of collateral.
Lending terms:
Knowing the terms of the loan and the cost of the desired apartment, you can calculate the amount of the monthly payment using our mortgage calculator.
How to get a social mortgage in 2019 — can be found in AIZhK. This is the main organization to which the government entrusted the implementation of state social programs to provide the population of the Russian Federation with their own housing and improve living conditions. AHML implements such programs as "Housing for the Russian family", issues such products as " military mortgage”, “Social Mortgage for Doctors, Teachers and Scientists”, also implements a program to help borrowers.
Advantages of AHML:
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It differs in that not everyone can participate in it. Despite the large list of local programs, getting a state one is quite problematic. The conditions for obtaining a subsidy, as well as the amount, depend directly on the standard price per square meter of real estate in a particular region. The main condition here is the presence of children and a certain composition of the family.
young families without children may receive a 30% subsidy. However, families with one child or more the right to count on a discount of 35% of the value of the property.
Conditions for calculating the cost real estate is directly considered according to the standards:
Terms depend on the specific region of the country, but two points become common here:
In other words, a young family must be registered on the waiting list, as well as have additional funds for payment of the down payment on a mortgage loan in excess of the required amount to be issued. The decision on a particular family is made by the executive branch, after which the application is submitted to Rosstroy.
When a young family is included in this list, a special certificate. The subsidy is provided in non-cash form, by transferring funds to the seller's account. The transfer is made only to the account of the partner bank of the state. Issued cash a young family has the right to use it for a down payment or for the construction of their own housing.
The program is intended for project implementation:
Mortgage lending for young specialists in specific specialties is provided on best conditions. Here cost of credit obligations will be 10.5% per annum. A flexible repayment schedule will allow all young professionals to repay the loan on time and in full. At the beginning of the loan, the specialist pays less than in subsequent years. In this case, it is possible to use maternity capital.
The state helps teachers get mortgage loans, while compensating the difference in the payment of the initial fee at the expense of the federal budget.
This is a significant help for a state employee in Russia. Repayment is made in the amount of 40% of the property value.
Thanks to this program, the value of real estate becomes somewhat more affordable for purchase. The teacher has the right to purchase an apartment with borrowed funds, and then pay monthly mortgage payments. The amount received from the state can be spent not only on the down payment, but also to pay part of the loan.
Issued with participation in the NIS program. In this case, a certain amount is accumulated to pay the down payment on mortgage lending. Real estate of this kind is provided to specialists completely free of charge.
Employees of the Ministry of Internal Affairs must have worked for at least 10 years, after which they are issued lump sum to pay off part of the cost of the apartment. 
Only graduates in the field of medicine, either with a higher education or with a secondary special education, can receive such a program. At the same time, the specialist should not be older than 35 years, as well as under the Young Family program. But this criterion in a particular region is defined differently.
AT without fail specialist must work in the field of medicine for at least a year and live in cramped conditions. In the future, this person is required to devote at least five years to work.
Each region has its own program. Please check with your municipality for availability. You can't buy houses, cottages, or townhouses under the low-income program. Many regions provide mortgage lending only for the purchase of apartments in new buildings.
The poor must confirm their status, after which they will be put on the waiting list.
For getting social mortgage, you need:
Wherein priority are young families and other beneficiaries.
For receiving need:
Necessary agency package:
Necessary package of documents for a credit institution:
Interest rate on social mortgage is 9.9% per annum.
In Sberbank, the interest on social mortgages does not fall below 11.5% per annum. Down payment for the purchase of real estate state program here will be at least 20% of the price. Although the Agency for Mortgage Lending, despite such a low interest rate, the down payment is only 10% of the purchase price.
It should be noted that in addition to state credit institutions, social mortgage programs provide and commercial organizations . Such programs involve reduced interest rates by extending the repayment period.
For social mortgage loans in Moscow, see the following video:
Long gone are the endless Soviet queues for scarce goods from abroad, and the modern market is ready to offer consumers the satisfaction of any wishes and needs. But one line has remained unchanged, this is the line of those wishing to receive free municipal housing. Lists of waiting lists for preferential state real estate make up volumes, and the volume of construction of social and municipal housing cannot meet the existing needs.
At the same time, the residents of our capital have additional opportunity get square meters preferential terms. We are talking about a special social mortgage program in Moscow
Social mortgage involves the possibility of acquiring real estate on favorable terms of lending or with the participation of the state. For residents of Moscow, the city government acts as the state, which implements the social mortgage program for urban residents. The Moscow city administration is ready to take on part of the cost of mortgage lending. Moreover, the state provides control over the construction of mortgage new buildings and compliance with the obligations of the developer company.
As applicants for participation in the social program for residents of the capital, there may be persons recognized by the state as needing to be provided with living space and registered on the waiting list until 2005.
According to official representatives of the Moscow government, first of all, the social mortgage program is designed for the following residents of the capital:
The Moscow department in charge of housing policy offers Moscow residents several options for preferential capital mortgages, in particular:
Purchase of a new building in housing construction, built by order of the city authorities. As a rule, apartments in such houses are sold at the minimum cost, part of which (about 25-30%) is paid by the state. Such a scheme minimizes all the risks associated with the purchase of housing under construction. The city authorities fully control the construction and involve only trusted developers in the work.
Real estate purchased under this scheme will cost residents of the capital two times cheaper than mortgage products in commercial banks.
Option 2
State assistance in the form of payment of the down payment under a mortgage lending agreement. For these purposes, the Moscow Government is implementing a special program of social subsidies for the purchase of housing.
This scheme has one feature, in particular, be prepared that you will have to pay for a full square meter of housing purchased market value. The scheme of state subsidies for the purchase of housing allows you to reduce the cost of buying a home and make an indirect subsidy of bank interest rates.
In order to be eligible to participate in the capital community project, you must visit your county's Department of Housing Policy, where you will be asked to review the terms of the program, income requirements, and the cost of housing you can expect. Having decided on the option, you can submit an appropriate application to the Agency for the implementation of housing subsidies and loans.
Interesting video for you:
Own flat This is the dream of millions of people. But not everyone can get it. To date, one of the options for the state financial assistance is the provision of social mortgages.
social mortgage is a preferential social loan for the purchase of housing, provided by certain categories population. The implementation of such a program is based on cooperation between government agencies and banks.
According to Russian legislation social mortgage in 2017 may be provided in the following forms:
Who is granted social? This question interests many. In fact, social mortgage lending comes in several forms.
Social mortgage for a young family. In this case, the borrower is given a subsidy from the state for the purchase of housing. Families with children can expect 40% of total cost housing, and childless families - by 35%. All payments are made by non-cash payment. Both spouses must be under 35 years of age. They must have official documents confirming the fact that they need to improve their living conditions, are on the waiting list for housing and have the ability to repay the rest of the interest on loans. The area of subsidized housing must comply with state standards (per person - 18 sq. m).
military mortgage. This type social mortgage involves opening a special savings account, where a certain amount will be credited monthly, which can later be used to improve existing housing conditions, to purchase housing. Moreover, these funds can be used not only after dismissal, but also directly during military service. In total, this cumulative amount, at most, can be 2.4 million rubles. Military mortgage funds can be used both for a down payment on an apartment and for paying off interest on a loan. In case of change financial situation in the country, the amount of military mortgages will be indexed.
| Name of loan | Bid | Sum | Term | Down payment |
| military mortgage | 9,5% | up to 2,220,000 rubles | up to 20 years, the repayment period must come before the Borrower turns 45 years old |
Favorable mortgage offers for young professionals
social mortgage for people on the waiting list for housing and the poor. To receive this mortgage, citizens must be on the waiting list for housing. Social mortgage can be obtained either in the form of a gratuitous subsidy for a down payment, or in the form of a loan to pay for the minimum square meters at their cost. Great Mortgage Deals for those on the housing waiting list
Favorable mortgage offers using maternity capital
Mortgage AHMLYou can get a social mortgage through AHML(agency for housing mortgage lending). This agency offers mortgage lending to social categories of citizens by providing favorable interest rates (from 10% per annum), subsidies and the opportunity to buy housing at fairly low prices.
The provision of social mortgage is carried out within the framework of the program "", within which two directions are offered, such as "Social mortgage: apartment" and "Social mortgage: house". How to receiveHow to take social mortgage? For each type of social mortgage, there are certain ones. First of all, you must be a citizen of Russia, have a permanent residence permit and work, a certain length of service, a good credit history(if there is one). For young families, in addition to the conditions listed above, you must have treaty about compulsory insurance by mortgage. For all categories there is a single registration procedure mortgages. First you need to apply with an application to local governments, where within three days a positive or negative decision should be made on this statement. With a positive decision, the future borrower goes to the bank. After providing all the necessary documents, after a certain time, the bank will make a final decision. List of documentsThe following must be submitted to the bank: social mortgage documents:
Social mortgage in SberbankNot all of Russia provide social mortgages. One of the few banks that solve data questions, is . Employees can apply for a social mortgage in it budget organizations, young families, military and people standing on housing lines. For couples, there is a special program "". Preference in this program is given to families with children. There is also a special program "Social Mortgage" for participation in which you need to have Russian citizenship, work experience and a positive credit history. Gathering everything Required documents and submitting an application in Sberbank, each bidder will receive a response within 5-10 days. If the bank has approved the application, you can start looking for an apartment or house, because in order to make the last decision, it is necessary to provide the bank with documents for housing that is being purchased within 120 days. Call the hotlines and get free consultation to solve your problem right now:
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The state actively supports the poor. First of all, this concerns the provision of privileged categories of citizens with housing. Social mortgage is a program, participation in which will help to get housing for short term and less money.
Social mortgage is the state's assistance to privileged categories of citizens in purchasing their own housing.
Local governments decide which subsidy program to apply in a given region, who can become a participant and under what conditions. The bottom line is that the participants allocate money to buy their own housing.
Financial assistance to beneficiaries is provided in the form of:
In 2019, the amount of the subsidy will be at least 30% of the price of an apartment purchased with a mortgage. For families with children - 35% of the cost of housing.
The minimum interest on social mortgage in 2019 is 9.9% per year. Although, in practice, even when obtaining a mortgage with state support, the percentage rarely falls below 11.5%. The minimum down payment, according to the state program, should be at least 10%, but even the most popular bank in Russia requires an average contribution of 20% of the cost of housing.
The final amount is set by local authorities. The calculation takes into account the region of the country, the cost per square meter, whether there are children and how many, etc.
Benefits of a social mortgage:
Thus, the advantages of social mortgages are that the state helps to quickly solve the housing problem for vulnerable categories of the population.
Depending on the benefits received by the citizen, social and ordinary (commercial) mortgages are distinguished. Commercial is provided to legal entities and individuals who, by law, are not entitled to benefits from the state.
Social mortgages help to improve housing conditions or purchase housing for vulnerable groups of the population. The bottom line is that a person has the opportunity to take out a loan for housing, the cost of which, thanks to the state program, is easier to repay.
Thanks to state support beneficiaries, people have the opportunity to get housing. And due to the fact that you can pay off for many years, monthly payments are easier to repay compared to a commercial mortgage.
Not all citizens can apply for a social mortgage, and this point should be taken into account. It is necessary to check whether the applicant meets the requirements of the law.
Terms of lending with state support:
Additional requirements for applicants are indicated within each social category of citizens.
Before a young family applies for a social mortgage, it is necessary to take into account the most important criterion.
The age of the spouses at the time of receipt mortgage loan must not exceed 35 years. If this requirement is met, a young family can count on financial assistance in the amount of 30% of the value of the acquired property. If the family has small children, the amount of the subsidy rises to 35% of the cost of housing.
It is important to remember that the family does not receive money directly. A special certificate is issued, which indicates the right to cover part of the costs. This document is provided financial organization when applying for a housing allowance.
Additional terms, which a young family must comply with:
After examining the family as a candidate for a social mortgage, a special certificate is issued, which will be required later for a package of documents.
State employees are employees public institutions. Often, this category of the population receives a very small salary, and therefore has the right to claim benefits for housing.
The budgetary includes:
Budget employees are entitled to the following benefits:
Local authorities may also offer another form of social support for state employees. Details should be obtained by contacting the competent authorities.
doctors, being employees of budgetary organizations, they can apply for a social mortgage. However, to do this, they must meet a number of requirements:
teachers may also qualify for a social mortgage. Terms:
When a special commission considers candidates, priority support is given to workers in the villages, as well as teachers who have moved from town to village to work.
At military housing problem- main. In order to solve this problem, in 2004 the government developed a special program that helps to get housing at the most favorable price.
The essence of the program: a special account is opened for the military, to which a fixed amount is received monthly. You can use these funds only after 3 years of military service. The maximum amount of savings cannot exceed 2.4 million rubles.
The accumulated funds can be used as a down payment, or to cover an existing mortgage debt.
Each region has its own procedure for obtaining a mortgage. At the same time, it is not enough to find out the conditions for participation in the program and collect the necessary documents. A citizen who claims to improve their living conditions must stand in a special queue.
The decision to grant a social mortgage is made by the executive authorities. A special commission determines those who are most in need of housing. Further, information on a particular participant is transferred to Rosstroy. Only then can the family receive a special certificate.
Conditionally procedure for obtaining a social mortgage looks like that:
