Employees of the internal affairs bodies, as well as military personnel, according to the legislation of the Russian Federation, have benefits for the purchase of residential real estate. This right can be exercised in several ways, including through targeted housing loans. But according to the program for the Ministry of Internal Affairs, it has some differences, in comparison with the implementation of the state program for the military personnel of the Ministry of Defense.
According to federal law N 3-FZ "On the Police" dated February 7, 2011, the provision of square meters to law enforcement officers is carried out at the expense of budgetary injections, by providing employees with municipal housing for use or residential real estate ownership. Also, police officers have the opportunity to receive social benefits and issue a so-called military mortgage for the police.
Do not forget that service housing is available for military personnel of the Ministry of Internal Affairs, which they can use before purchasing housing on a military mortgage.
While military personnel are able to purchase housing through participation in the savings mortgage system, police officers can become owners of square meters after receiving a state subsidy and applying for a mortgage under a program similar to the military.
It can be said that the military mortgage for the Internal Troops of the Ministry of Internal Affairs has its own departmental features and conditions for implementation. First of all, mortgages for military personnel of the Ministry of Internal Affairs come down to state subsidies for housing.
To apply for a state subsidy for housing for military personnel of the Internal Troops of the Ministry of Internal Affairs, who needs housing and must meet the following parameters:
Also, the right to social subsidy is given to police officers dismissed due to reaching retirement age, who managed to register during their service, and family members of police officers who died in the line of duty.
Payment to the relatives of the deceased is made within a year after the accident.
Employees of internal affairs units, whose service and living conditions meet the necessary criteria for participation in the social assistance program, for accrual of due to them Money must prepare and submit to the federal executive body the following documents:
After consideration by the authorities of the submitted documents, within two months, the amount of social subsidy due to him is credited to the account of the police officer.
The amount of the subsidy granted depends on certain conditions:
The military mortgage system for the Ministry of Internal Affairs is reminiscent of a military housing program. The police officer, according to the requirements, after a certain period of service receives a certificate that gives the right to apply for a loan for housing.
But, unlike the military, whose credit costs are fully financed by the state, police officers must pay the mortgage debt at their own expense.
In addition to accrued interest, law enforcement officers will independently pay for a housing assessment, real estate insurance, services of notary firms, as well as other banking commissions.
military mortgage for the police is issued on favorable terms for its participants, interest rate on the loan is reduced and is less than 10% per annum, there are no commissions for issuing a loan, opening and maintaining an account, and the terms of the loan provided by the bank are convenient and attractive.
The amount of the subsidy issued by the state can be used to pay off part of the loan obligations under an already executed agreement, or made as a first installment when obtaining a mortgage.
The Ministry of Internal Affairs through the accumulative mortgage system is similar to the one implemented in the Armed Forces of the Ministry of Defense.
Despite the need to contribute own funds for the purchase of real estate by police officers, a subsidy issued by the state makes this procedure affordable, since the size of the social payment is about half the full cost of housing due to an employee.
Mortgage offers for police officers in 2019 will be presented by the state subprogram of the FTP "Affordable Housing". Thanks to it, certain categories of citizens can apply for Housing loan with special conditions.
Basic conditions
Payments to police officers are regulated by Decree of the Government of the Russian Federation dated December 30, 2011 No. 1223 “On the provision of a lump-sum social payment for the acquisition or construction of residential premises to employees of the internal affairs bodies of the Russian Federation”.
Recall that employees of the Ministry of Internal Affairs are part of the groups of citizens recognized as socially unprotected. Although wages they are gradually increasing, a mortgage loan for many is still unaffordable.
Of course, there is also the possibility of obtaining municipal housing, which is provided by the city or town where the soldier lives. But in this case, the apartment is leased to you, and if the service life ends, the housing will have to be vacated, which means that the problem will appear again - where to live?
What can you count on?
Methods have already been developed state support aimed at improving their living conditions. State support is provided in the form of loans at reduced interest rates, with a long repayment period, as well as the possibility of attracting funds from housing certificates.
Note that the certificate is another type of assistance from the state, expressed in providing the client with a certain amount, usually not exceeding 40-50% of the value of the property. It is a single cash payment that can be used to pay the first installment on a mortgage or pay off existing obligations.
Important: the amount will depend on many factors, including the region where you live, the cost per square meter and family members. Also important is your seniority, because the correction factor depends on it:
With this help, you can buy or build your own home. This assistance is provided only once in a lifetime. If you want to receive this benefit, then you need to contact the local authorities of the Administration or Social Protection of the Population.
Conditions for receiving a subsidy:
If at the same time he has awards or promotions, then the issue is likely to be resolved positively.
Benefits are provided in the following cases:
What documents do you need to provide:
How to get paid?
To apply for the need to receive a subsidy, which you then send to pay off your mortgage, you need to contact the regional department DOM.RF (former AHML). In its branches, you can find out more precisely the current conditions of lending and subsidies, as well as find out which banking organizations can give you a loan.
The next step is to submit an application to a specially created commission for the provision of a one-time social payment to employees of the Ministry of Internal Affairs under the federal executive body. You need to go there to get a list of documents, collect them and submit them again for consideration.
There is no separate mortgage program for police officers in 2017-2018, and there are no benefits for employees of the Ministry of Internal Affairs for housing. But they still have the opportunity to receive subsidies.
The state, in accordance with the Law "On Police" dated February 7, 2011, is responsible for creating normal living conditions for employees of internal bodies. This is either the allocation of service housing (after the end of the contract it will need to be vacated and the housing issue will not be resolved), or the distribution of funds for the return of the mortgage. Article 44 of this law refers to the possibility of receiving a one-time social payment for the purchase of housing on the terms and in the manner prescribed by other legislative acts.
Employees of the Federal Security Service, the Ministry of Emergency Situations and the Ministry of Internal Affairs are documented equalized with military personnel, and some of them are entitled to a military mortgage. They submit a report on their desire to purchase housing, and after signing the document, an account is opened in their name for the receipt of appropriate funds. The account holder can use these funds after 3 years or continue to accumulate until a favorable moment. Military mortgages for police officers have special features. First of all, the borrower must meet certain requirements:
Employees transferred to the reserve due to age and family members of an employee who died in the line of duty can count on a military mortgage.
Appeals are submitted to the executive authorities at the federal level, along with the necessary supporting documents.
Unpleasant features of the military mortgage for the police are a smaller amount of subsidies, the dependence of its size on length of service and region, as well as the payment of mortgage debt at the expense of the borrower. Plus, a limited list of banks that participate in this program.
All lump-sum social payments to the police are targeted and are made from federal budget. You need to know that state aid is provided once and re-participation is not provided.
In addition, an employee of the Ministry of Internal Affairs should not be the owner of housing and should not act as a party to a social contract of employment.
Also, the right to ERUs is not lost if:
The participant himself chooses the region for the place of residence, which affects the price per square meter of housing. This cost, taking into account the size of the family and the coefficient for the length of service, affects the amount of social benefits.
The average price per square meter of the total area of housing, approved by the Order of the Ministry of Construction of Russia:
These figures must be applied federal authorities executive authorities of the constituent entities of the Russian Federation when calculating the amount of social payments to citizens to whom they are allocated for the purchase (construction) of housing funds from the federal budget.
The military mortgage program is a priority issue in the domestic policy of the Russian Federation. Therefore, military mortgages will continue to develop in 2018 and, according to experts, will become more affordable. This will be facilitated by the reduction of interest on mortgages to the level of 9%, thanks to the normalization economic situation in the country, reducing inflation to 4%.
In 2018, the contribution per employee may remain at the level of 2017 in the amount of 260,141.00 rubles. Most likely, its size will be frozen, since funds for the indexation of applications in the budget and reserve fund not enough.
The “freeze” is also evidenced by the transition from January 1, 2018 to a fixed payment, which, according to Rosvoenipoteka, is facilitated by the stabilization of prices in the housing market and lower interest rates.
Mortgage for pensioners of the Ministry of Internal Affairs is also available, as well as for working police officers. Pensioners of the Ministry of Internal Affairs even have a number of advantages:
Given these factors, you can even get a loan on more favorable terms and for a longer period.
Remember! Many banks lend to special conditions those who receive a pension from them.
A loyal attitude towards military pensioners is due to the guarantee of the state for their social security, but certain conditions are also imposed on them:
The police mortgage for employees of the prosecutor's office was not valid until 2017, just as there were no preferential mortgages for employees of the investigative committee. But according to the order of the Prosecutor General's Office of February 28, 2017 No. 128, in order to implement the NIS, the relevant Procedure began to operate in the military prosecutor's office. Its main principles correspond to the state military mortgage program. And at the end of September 2017, in the first reading, the State Duma adopted a bill that provides for the provision of social benefits for the purchase or construction of housing for employees of these structures. The implementation of this law will not require additional funds from the federal fund, most likely they will be provided for in the federal budget for 2018.
Most profitable terms and the benefits of a military mortgage for the police at the moment in Sberbank:
Sberbank made a huge step towards military borrowers in August 2017 - it lowered the loan rate to 9.5%. This is a significant easing of the financial burden on the family budget, which will allow more military personnel to purchase their own housing.
Such conditions are possible, since Sberbank by default classifies employees of the Ministry of Internal Affairs as trustworthy clients.
Additional housing requirements:
With such requirements, the bank receives a guarantee of the sale of housing in the event that the borrower cannot repay the mortgage.
The limited number of banks that work with military mortgages includes the large financial institution VTB 24. The conditions for obtaining a mortgage are similar to those of Sberbank. The only difference is the amount down payment, which is equal to 15% and the interest on the loan is 9.7%.
It should be remembered that after the termination of the military contract, payments from the budget stop and the mortgage interest is completely recalculated, which will need to be returned to the bank. You must be in military service until the last payment to the financial institution.
On the official websites of banks there are calculators for calculating mortgage payments, available to each potential client. For example, the loan terms are as follows:
Under such conditions monthly payment will be 22,973 rubles, the total overpayment will be 1,935,130 rubles.
In 2018, it is tentatively planned to increase the amount of the allowance, taking into account inflation, but at the moment there is no confirmation of these data.
A housing loan for employees of the Ministry of Internal Affairs and its design has its own nuances and features.
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The benefit is to provide subsidies for residential real estate.
To apply for such a loan, an employee must meet:
Employees of the Ministry of Internal Affairs, transferred to the reserve due to reaching retirement age, family members of an employee who died in the line of duty, can also count on receiving a preferential mortgage.
The peculiarity of this program is that:
The main difficulties are in collecting the necessary ones, as a result of which the process of obtaining a loan is very slow.
It is necessary to confirm that the borrower and his family really need this assistance. For example, if an employee of the Ministry of Internal Affairs lives in dilapidated, not comfortable housing, in a communal apartment.
Mortgage for employees of the Ministry of Internal Affairs is regulated on the basis of federal program"Housing", the validity period of which has been extended until 2018. This method of supporting preferential categories is basic.
Assistance is provided based on regional factors. In the coming years, new projects may be implemented.
Employees of the Ministry of Internal Affairs are entitled to receive preferential credit conditions thanks from 07.02.2011.
Police officers are provided at the expense of the federal budget with the help of:
Real estate can be provided on the basis of ownership or for temporary use.
Payments are provided one-time, and they can be spent on or on the repayment of an existing housing loan.
But an employee of the Ministry of Internal Affairs must meet the following requirements:
The payment itself is provided based on the number of family members living with him. All conditions are regulated by the Government of the Russian Federation.
To date, a loan for the purchase of housing on preferential terms is issued by several banks. Wherein annual rate varies from 11.4% to 15% per annum.
At the same time, employees of the Ministry of Internal Affairs can pay the initial contribution at the expense of the NIS.
At the same time, the cost of a mortgage is minimal; an employee of the Ministry of Internal Affairs must pay on his own:
The NIS program applies to those departments where military service takes place, including the Ministry of Internal Affairs.
Mortgage for employees of the Ministry of Internal Affairs 2018 is provided by Sberbank on the most favorable terms:
You can combine several programs. For example:
And loans for employees of the Ministry of Internal Affairs are issued on the same terms.
In view of this concessional lending anyone who is in military service or an employee of various departments (the prosecutor's office, drug control, the investigative committee, and others) can use it.
Retirees can also take advantage of the program mortgage lending, but only those who were transferred to the reserve due to reaching the age.
Former employees of the Ministry of Internal Affairs are paid a subsidy for the purchase of housing. The amount is calculated individually.
But the conditions for granting preferential mortgages for pensioners are the same as for those who are current employees.
This means that the future borrower must necessarily need to improve their living conditions.
Payments to police officers are regulated by Decree of the Government of the Russian Federation dated December 30, 2011 No. 1223 “On the provision of a lump-sum social payment for the acquisition or construction of residential premises to employees of the internal affairs bodies of the Russian Federation”.
The resolution determines the size and order of transfers.
A lump sum payment is provided to police officers who have worked in the bodies for at least 10 years.
With this help, you can buy or build your own home. This assistance is provided only once in a lifetime.
To obtain this benefit it is necessary to prepare and collect a package of documents that will allow you to receive assistance from the state.
The data is provided to the local authorities of the Administration or the Social Protection of the Population.
If the decision is positive, then within 2 months money will be transferred about the beneficiary.
The number of required documents is quite impressive. However, some of them may have a statute of limitations.
To receive the benefit, you must provide:
After all the necessary documents are collected, you can apply for benefits.
22666A mortgage for police officers often becomes unattainable - it is difficult to get a loan from a bank under normal conditions, since salaries are not high enough, and employees of the Ministry of Internal Affairs are included in the group of "unpromising" borrowers. At the moment, preferential mortgages for employees of the Ministry of Internal Affairs have so far remained a project under development. However, they can count on targeted social benefits provided for federal law dated July 19, 2011 No. 247-FZ. According to this law, a one-time social payment (ESV) can only be provided for the construction or purchase of housing. This payment makes it possible to purchase housing in any order specified by law, including a mortgage for the police.
A police officer can receive an ERU only once during his service life.
Unfortunately, the conditions for obtaining ERUs are quite strict, for this a police officer must meet two criteria.
An employee who has intentionally worsened living conditions loses the right to receive ERUs for 5 years from the moment of committing intentional actions, which include: the exchange or sale of housing owned by a police officer and members of his family, moving other persons into housing and a number of other actions.
Obviously, only a few employees of the Ministry of Internal Affairs can receive social benefits due to restrictions on length of service and other conditions. But with a favorable outcome, mortgages for police officers who receive ERUs will become more affordable.
In addition to this social payment, employees of the Ministry of Internal Affairs can take advantage of a mortgage using maternity capital, provided that their family has at least two children.
An employee entitled to ERUs must submit a report and documents to the Main Directorate of the Ministry of Internal Affairs of Russia at the place of service, the list of which is specified in Decree of the Government of the Russian Federation No. 1223 dated December 30, 2011. A positive or negative decision on registering an employee for receiving ERUs is made by the Housing Commission Main Directorate of the Ministry of Internal Affairs of Russia for the region.
The amount of ERUs is calculated individually in each case. The basis is the average market price of 1 sq.m. housing in this region and the amount of living space due to the police (for 1 person - at the rate of 33 m2, for a family of 2 people - 42 m2, for 3 people or more - 18 m2 for each family member). This is how the estimated cost of housing is calculated, then two coefficients are applied. The first coefficient is set depending on the duty station (it ranges from 1.04 to 2.25); the second is determined by the duration of work in the Ministry of Internal Affairs (the longer the service, the greater the payment).
As a rule, the amount of ERUs is not enough to purchase an apartment, so a mortgage for employees of the Ministry of Internal Affairs usually becomes a way out. The employee can use the received payment to make a down payment - in this case, there will be more total amount credit (which means you can buy better housing) and a lower interest rate. It is allowed to use ERUs for early repayment previous mortgage. But there is a nuance here: if an employee took out a mortgage before registering him to receive ERUs, he may be denied this payment as he has improved his living conditions and has ceased to need ERUs.
Beneficial mortgages for police officers are provided by the Housing Mortgage Lending Agency. AHML offers mortgage lending programs to police officers with reduced rate. For example, in the programs "New building", "Low-rise housing" it is reduced by 0.25% -1.75% per annum. Using ERUs, you can also purchase real estate on the secondary market.
Mortgages for police officers commercial banks is issued under the same conditions as for all ordinary borrowers, while the income of an employee of the Ministry of Internal Affairs must meet the requirements of the bank. Whether it is worth taking a mortgage under such conditions or waiting for the moment when the preferential mortgage in the Ministry of Internal Affairs will be introduced at the state level is not an unambiguous question. Back in 2011, the Government of the Russian Federation announced its intention to develop special project"Mortgage for the Ministry of Internal Affairs" by analogy with the mortgage for the military. This should happen in the near future, work in this direction is already underway.
