Social mortgage (state). List of documents for a social mortgage What you need for a social mortgage

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Owning your own home is a dream of many, but not everyone can realize it. Mortgage lending gives a person a chance to acquire square meters without having the required amount. Not everyone is aware that the Russian state offers benefits to the socially needy.

What is a social mortgage

A set of state programs, with the help of which it is possible to improve the housing situation for persons belonging to vulnerable segments of the population - this is a social mortgage. Many do not know that a state mortgage loan is provided to persons who are officially recognized as in need of housing. These people are not the only ones who can realistically qualify for affordable mortgages. The program provides an excellent opportunity to purchase their own squares for young families, youth and the military, social workers.

Several social mortgage programs have been developed, among which you can choose the appropriate option:

interest rate subsidy;
purchase of public housing at a reduced rate;
payment of a certain amount of the total price of housing.

Interest Rate Reduction Subsidy

Social mortgage lending involves the allocation of this type of subsidy, in which the main focus is to lower the interest rate on the loan. Such programs are successfully implemented and provided by commercial banks. They are able to issue loans to citizens at a reduced rate and set a flexible repayment schedule. After all, for them there is no difference who pays the interest - the borrower or the state.

Partial payment of housing by the state

A very popular program among the poor. Its essence is simple: the state extinguishes part of the cost of housing, only the money is not issued to the future owner of square meters, but directly to the lending financial institution, which, minus this amount, calculates loan payments for the borrower.

Buying a home from the government

This form of social lending provides for the purchase of living space from the existing housing stock. The form is used to sell housing to certain groups of citizens. Applies to employees of certain structures:

military personnel;
certain categories of civil servants, etc.

Mortgage benefits

Under the state program, you can get mortgage benefits in the form of the following options:

Cash compensation, which can be up to 70% of the price of housing purchased under the program. This indicator depends on the amount included in the local budget to finance social mortgages.
Compensation of interest and principal of a loan. As a rule, benefits are provided for the first few years and decrease each subsequent year.
Benefit providing for the payment of a part of the down payment.
Providing a social mortgage at a special rate from a certain organization that has the ability to issue a loan.

Who is entitled to a social mortgage

There are certain requirements for obtaining a loan. State mortgage is provided to the needy and living in dwellings recognized as unsuitable for living, emergency or subject to demolition. If we single out other groups of citizens who are covered by the social mortgage, then young families where the spouses have not reached the age of 35 will be added to those mentioned.

Large families with 3 or more dependent children also have the right to become full-fledged participants in the social program. They will issue a loan to those who participated in the hostilities in Afghanistan, Chechnya and Syria and defended the honor of the country, employees of budgetary organizations, young professionals, employees and employees of state authorities, scientists and a number of other categories participating in the state program to improve living conditions.

Social mortgage for a young family

Young families have the right to rely on the purchase of their own housing through the use of preferential loans. Mortgage for young families offers newlyweds to receive a bonus from the state, which is equal to 30% of the total price of the acquired property, if they have not yet managed to acquire a child. If there are children, then the state compensates 35% of the amount. When the registration of a social mortgage has already taken place, and the newlyweds have a baby, the state will help in this case too. The family is entitled to a subsidy, the amount of which is equal to at least 5% of the total price of housing.

Cash is not issued to a young family - the spouses receive a special certificate, which is presented at a financial institution when receiving a loan, and the state transfers funds directly to the bank. Newlyweds have the right to choose how it is convenient for them to spend this benefit. It can be used to pay off part of the down payment, pay part of the cost of housing or to pay the final installment.

Social mortgage for the poor

Not all people have the opportunity to buy their own housing due to the lack of not only the necessary funds, but also the opportunity to earn them. A mortgage for low-income families is an opportunity that helps such citizens become owners of their own squares. To obtain a loan, you need to prove that the citizen or family is poor. The options for providing funds are the same as for all other citizens who need housing.

Social mortgage for state employees

Although the income of employees of budgetary organizations is stable, it cannot be said that it is high. Not all banks are ready to lend them funds to purchase housing. The state has developed a special program for them, which is called a social mortgage for state employees. Preferential mortgages for young specialists of budgetary institutions are allocated for a period of 25 years and have their own characteristics inherent in this loan product.

Not all employees in this field can take advantage of the social mortgage for state employees, but only those who are considered valuable specialists. These include teachers, doctors, scientists. In addition, they must need to obtain their own square meters. The state requires employees not to change their field of activity throughout the entire period of mortgage lending.

How to get a social mortgage

It may seem easy to get a soft loan. Firstly, it is worth knowing that the conditions for obtaining a social mortgage are different for each region, so it will not be out of place to ask the competent authorities about the benefits provided. Secondly, a person applying for a social mortgage must be in line for improving housing conditions.

Where to apply for a social mortgage

In order for the social mortgage program to start working, an applicant for receiving it needs to contact the administration at the place of residence and the bank that will act as a lender, since there may be certain nuances when obtaining a loan. It is much easier to become a member of the program in the Moscow region than in Moscow itself. Some commercial banks may impose their own requirements for future borrowers, such as, for example, work experience or minimum income. All this should be considered before applying.

What documents are needed to obtain a mortgage loan

The list of documents may differ, but there are certain documents required to obtain a mortgage loan, which will be required from each applicant:

documents giving the right to apply for a loan;
certificates showing the availability of income;
documents that confirm the identity;
documents showing work experience;
Marriage certificate;
mortgage application;
other documents that may be requested from the bank.

State program of mortgage lending

It is worth knowing that all the proposed social programs for the purchase of housing within the framework of government support for those in need imply only assistance in partially repaying the debt in various ways, but not paying the full cost of the purchased housing. The program applies to citizens who do not own personal housing. In addition, people living in communal apartments, dormitories, rental housing and citizens who own less than 14 square meters per person can count on help.

Every year the state reviews the amount of money allocated, so it depends on how much the needy can receive. The program stipulates that the maximum age limit for men is fixed at 60 years. Women can get help with the upper bar at 55 years old. Some banks, such as Sberbank, have increased this parameter to 75 years. The contract is concluded exclusively in rubles for the construction of new housing or the purchase of an apartment on the secondary market.

As part of the program, the borrower will be asked to insure the purchased housing for the entire duration of the loan, as well as to carry out personal life insurance. Several banks (metropolitan and regional) work with the state lending program, which are partners of AHML - the Agency for Housing Mortgage Lending:

Bank of Moscow;
Sberbank of Russia;
Bank opening;
VTB 24;
Gazprombank;
TranscapitalBank;
UralSib.

Mortgage conditions for a young family

The age of 35 years is the qualification that applies to applicants, but some banks have increased this figure. Young people must be in a registered union and be registered as needy. According to the terms of the mortgage for young families, a loan is issued on the basis of a housing area of 40 meters, if the family consists of 2 people, but if it is larger, then the calculation is based on 18 meters per person.

Mortgage for doctors social

In each individual region, mortgages for doctors have their own nuances. It is noteworthy that the program covers not only doctors, but also nurses - everyone who has a higher or secondary specialized medical education. A prerequisite for workers in the sector will be the need to work in the region where they plan to purchase housing under the social mortgage for at least 5 years.

One of the hallmarks of this program for the medical workforce is the low initial fee. Today it is 10%. In addition, the rate on social mortgage loans for doctors at Sberbank and other banks is lower than for ordinary citizens. The age limit is still 35 years. The specialist must stand in line for those in need, which is confirmed by a certain document.

Housing mortgage for military personnel

Military mortgage - this is also called the social mortgage to the military. For this category of citizens, the best conditions are offered, but the only thing that a soldier needs to do is to be a member of the savings and mortgage system (NIS) for at least 3 years, from which the military is credited. To obtain a loan, you must provide a certificate, which can be obtained by writing a report to the unit commander.

Preferential mortgage for young professionals

Young specialists are considered to be graduates of educational institutions who have worked in their specialty for a year. Social mortgage for young professionals depends on the profile of the educational institution they graduated from (medical, military, etc.). For young people, not only a preferential loan rate is provided, but also a flexible repayment schedule. Recalculation of the interest rate is possible in connection with the replenishment in the family of the borrower - the birth of a child. In addition, specialists can use maternity capital.

Video: Social programs for the purchase of housing

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Social mortgage - who is supposed to. Conditions of social state programs of mortgage lending

Federal and municipal authorities offer social programs to individuals to improve their living conditions. The essence of the programs is to provide preferential mortgage terms with state support.

Who can apply for this type of loan?

The composition of persons who can apply for preferential terms of credit is strictly limited.

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The list of citizens who can apply for preferential terms includes families:

Socially disadvantaged citizens.
budget workers.
Military personnel.
Law enforcement officials.
Young citizens under 35 years old.
Government employees.

Individuals must have a steady income that allows them to repay their debt on a soft loan.

Persons who do not own residential real estate or have housing can take advantage of state programs:

less than 18 sq.m for each family member.
in disrepair or recognized as uninhabitable (you must have an official conclusion of the housing commission).

Consideration of the issue of registration of citizens in need of better housing conditions is carried out at the municipal level.

An application is submitted to the head of administration with a request for registration. The applicant fills out a questionnaire - an application that consolidates all the basic information about the citizen, his family and the occupied area.

Citizen to the application and questionnaire attached documents of a personal nature:

Copies of the passport of the applicant and all family members, birth certificates for minors. It is necessary to copy all completed sheets of the passport. Persons liable for military service present a military ID.
Certificate of pension insurance - SNILS for all insured persons.
Information about the composition of the family with the current date. Certificate of marriage or divorce.
A copy of the work book, certified by the head in the generally established order - the seal and signature of the head with a transcript.
Income certificates of all working family members. The certificate form is 2 personal income tax, the submission period is set by the municipalities individually.
Family members receiving allowances, scholarships, pensions are provided with certificates containing data on payments. Additionally, it is necessary to confirm the status of a student, a pensioner.

For entrepreneurs, there is a different procedure for confirming income with the presentation of declarations for the period, the duration of which must be clarified on the spot.

Persons who received income outside the main income and confirmed this fact by filing a 3-NDFL declaration submit a form certified by the IFTS, along with other documents.

Property owned must also be documented.

The applicant submits:

Originals of the financial and personal account of the premises and an extract from the house book indicating the current dates of the documents.
Legal documents for property.
Technical passport for real estate, if available.
Help from BTI.

The list of required documents may be expanded with other papers at the discretion of the municipality.

A special commission is considering the possibility of granting the right to a social mortgage.

During the verification of documents, the analysis of the composition of the data and their compliance with reality is carried out.

Recognition of the facts as reliable, and the person - entitled to preferential conditions for improving housing - are drawn up in a separate accounting file.

A unique number is assigned during its registration on the basis of the order of the head of self-government.

In addition to fulfilling the conditions for confirming the status of a person in need of better housing conditions, citizens must fulfill the requirements of a credit institution that provides a mortgage.

A package of documents is submitted to the institution depending on the chosen program.

What documents are needed?

Mortgage registration is carried out in a bank that supports social programs and has agreements with municipal authorities.

Depending on the conditions established by local authorities, the following conditions may be supported when applying for social programs:

Providing a subsidy - a part of the amount to pay off the cost of buying a home.
The allocation of subsidies in the form of repayment of part of the interest, the difference to the standard mortgage lending rate.
Providing public housing at a low cost to buy on credit.

In addition to preferential conditions, mortgage lending under special programs is carried out in the usual manner.

Mandatory list

The borrower submits an application for mortgage lending, fills out a questionnaire and submits the main documents required for all types of social programs:

Confirming identity - a passport of a citizen of the Russian Federation. For consideration of a mortgage under a social program, documents of a spouse and a marriage certificate are submitted.
Certificate of permanent income in the form of a bank or 2-personal income tax for yourself and co-borrowers.
A copy of the work book to confirm the length of service and the presence of a permanent place of work. For military personnel, a certificate from the combat unit from the place of service is sufficient.
Certificate of family composition to determine the number of minor dependents.

Similarly with the list of documents for registration by individuals who are individual entrepreneurs, declarations with marks from the tax inspectorate are submitted as part of the documents.

The package of documents should be supplemented with a certificate of registration as an individual entrepreneur.

Social mortgage limits the borrower to the terms of the property being acquired.

You can buy housing using social programs strictly at the rate of 18 sq.m per person. Exceeding the maximum size is allowed by an amount not exceeding 9 sq.m.

Residential property can only be acquired in buildings that belong to the municipal housing stock.

The houses have a standard layout of rooms and are built using panels.

The property must undergo an independent assessment according to the list of companies provided by the bank. The expert opinion is considered by the bank managers and the housing commission, which will approve the selected object.

List of additional documents

A potential borrower who is eligible to participate in the social mortgage program must obtain a document from the municipal authorities.

Paperwork is made after a decision is made to register a citizen and his family.

The certificate issued by the authorities is valid for 2 months.

All registration actions must be performed promptly in order to avoid a repeated procedure for issuing a document.

Additionally, a certificate is provided to the bank stating that the loan applicant has not previously used social benefits provided by state authorities for the purchase of housing.

The nuances of preparing papers

After obtaining the consent of the bank to conclude a mortgage lending agreement, it is necessary to obtain a preliminary loan agreement or a certificate from the institution.

The document is submitted to the municipal authorities - the housing commission. After agreeing with the final authority, you can proceed to conclude a contract of sale.

The mortgage lending agreement is drawn up with the participation of three parties. The third party is the administration that has approved the social program for the borrower.

The transfer of funds to a personal account opened with a bank for the recipient of the mortgage will be made by the municipality within the framework of the agreement and the selected benefit scheme.

When using the social program, residential real estate becomes the property of the person who issued the mortgage only after the full payment of the amounts.

After registration of a mortgage, a property insurance contract is concluded. Payment for the contract is made at the expense of the recipient of the mortgage.

Today, the state is confidently working on various programs to support the poor. This includes providing people with affordable housing. To do this, there are various benefits and programs, one of which is the so-called social mortgage. Who can apply for it, what are the features of obtaining such a mortgage, and what is required from the applicant, we will find out further.

What is a social mortgage?

Social mortgage is one of the forms of mortgage lending, in which part of the amount of money is paid by the state. What are the features of social mortgage and how profitable is it? Let's try to answer these questions:

The main advantage and the most attractive factor of the social mortgage is the preferential cost per square meter of housing. That is, it turns out that the same housing, purchased under the social or standard mortgage program, will cost differently.
Before approving a loan, the bank checks the apartment for “cleanliness”, and also provides life insurance for the borrower and the apartment.
If you managed to get a social mortgage, now you have another plus on your side - these are guarantees from the government and the bank itself.
The interest rate set at the beginning is maintained for the entire loan period.
Preferential mortgages are issued at a low percentage. In different banks, it varies and starts from about 9%.
People can choose a loan period of up to 30 years.

Please note that the form of this support varies from region to region. For example, it can be not just the purchase of housing at a low cost on credit, but also the compensation of a certain amount from a loan for already purchased housing or the reimbursement of a certain part of the mortgage interest.

The procedure for obtaining and contract of social mortgage

The procedure for obtaining a mortgage is not an easy process. If we are talking about social mortgages, then things are even more complicated. The applicant will have to prove that he really belongs to the poor category of citizens and has the right to receive this type of loan. This process is a step-by-step process, and each step is detailed below:

The first and most important step is to apply for a social mortgage. This application, as a rule, is submitted to the city administration or to your immediate superiors (depending on which social group you belong to). You are now in line for a social mortgage.
Next, you need to find out the nuances of this loan. This is done in a bank that cooperates under this program with government agencies. To begin with, we find out which bank will provide you with a loan (you can do this in the city administration), and then we contact the bank. This stage will allow you to find out the interest rate, the features of payments, the maximum terms and the most important point - the package of documents required for registration.
When, finally, the turn comes to you, a social mortgage agreement is drawn up, and you get the coveted apartment in the mortgage. The sample document looks like this:

Please note that the mortgage process described above may vary in your area. It may also be different for certain categories of citizens. Take this into account in advance in order to act in accordance with the law.

Documents for social mortgage

Depending on which social group you belong to, the package of documents for you may vary. However, there is a certain documentary base, that is, a set of documents that you will need for sure. It includes:

Application for a social mortgage. It should be noted that this document is a normal application for a loan. His form is possible.
A document confirming tax registration.
Certificate from the place of work, which contains information about income and work experience at the current moment.
Passports of each of the family members (children under 14 usually require a birth certificate).
Help from the house book in the prescribed form.
Title deed for the apartment.
Copy from work book.
Certificate confirming the composition of the family.
Certificate confirming the registration of ownership of the purchased property.
Extract from the USRR for the acquired housing.
Bank account details.

Some situations imply that housing has already been purchased with a mortgage. That is, in this case, within the framework of the social program, the state will help pay part of the existing debt or in another way help to simplify the payment of the established amount. Please check with your local authorities to find out which type of support you may qualify for.

Who can apply for a social mortgage?

Not all categories of citizens can apply for a social mortgage. This is an important aspect, because first you need to find out if you are eligible for this type of loan in accordance with modern legislation or not. Consider a few conditions that must be met to obtain this type of loan:

The applicant does not own a home. As a rule, such people live either in a communal apartment or in a hostel, and sometimes they rent housing.
People live in cramped conditions, which is the calculation of less than 14 square meters for each family member.
There is a special set of requirements that the bank puts forward. This may take into account citizenship, length of service, registration, etc. It is necessary to find out this set of requirements directly at the bank with which the state cooperates within the framework of the program.

These are the main requirements for applicants, but additional ones are also noted, which are presented separately for each social category of citizens.

Types of social mortgages

Social mortgage for a young family

What conditions must a young family meet in order to qualify for it?

The family must have enough money to pay off the mortgage loan or pay for part of the apartment not paid by the state. As a rule, this means that the income must be at least 2 times the amount of the mortgage loan installment.
At the time of registration of the mortgage, the age of each of the spouses should not exceed 30 years.
It is necessary that local authorities confirm that the family really needs to improve their living conditions. Based on the results of this confirmation, a special certificate should be issued, which will subsequently be required for a package of documents.

Do not forget also about the special requirements that may be imposed by the bank.

Social mortgage for state employees

State employees, as a rule, are employees of state institutions. In most cases, they receive a fairly low salary and therefore have the right to apply for preferential mortgage terms. Who exactly belongs to the category of state employees?

teachers;
young scientists;
the doctors;
employees of the military sphere.

State employees can apply for such forms of social support as subsidized mortgages; purchase of housing at cost; partial reimbursement of the price of real estate from budgetary funds.

Social mortgage for doctors

Doctors, as employees of budgetary organizations, can apply for preferential mortgage lending. However, to do this, they must meet a number of conditions:

Have both secondary specialized and higher education in the field of medicine. But a prerequisite is that he must be a certified specialist in this field.
In order to start applying for a mortgage, a specialist must work in the field of medicine for at least 1 year. In some regions, this bar is lower: somewhere - a quarter, and somewhere - half a year.
The maximum age of program participants cannot exceed 35 years (in some regions this bar reaches 40 years).
In the future, a physician must devote himself to work in medicine in this region for at least 5 years.

Also an important condition is living in cramped conditions or in a rented apartment.

Social mortgage for teachers

Teachers as state employees can apply for a social mortgage only if they meet the following conditions:

The age of the applicant cannot exceed 35 years.
It is necessary that the teacher does not own any real estate.
The specialist must have Russian citizenship.
The teacher is obliged to permanently reside in the region where he works, and also to have a direct work experience of 1 year.
The borrower must be solvent. This condition means that the amount of the monthly contribution should not exceed 45% of the salary.
It is desirable to have a good “work history”. This can be confirmed by letters of recommendation from the place of work, positive references, the absence of reprimands and other sanctions imposed by the authorities.

In the selection of candidates, rural workers and teachers who have moved from the city to the village or village receive primary support. Also, the advantage is on the side of those who have young children.

Social mortgage for people on the waiting list

The persons on the waiting list are those who have applied for a social mortgage and are waiting for their own turn. In order to join the queue, you must meet the conditions indicated in the sections provided above. Note that the timing of obtaining a mortgage depends not only on how early you got in this queue. Also pay attention to the following factors:

current living conditions;
the presence of young children;
belonging to the budget category (or other preferential category);
have enough income to pay the mortgage.

Video: Social mortgage - borrower opportunities

It is important to remember that a social mortgage is not only a burden of obligations from paying a debt, but also a lot of opportunities that the state provides. The expert will tell about them in the video:

Note that in some cases, a down payment on a mortgage is required, and often it is a decent amount. However, a preferential mortgage involves a small down payment, which starts from 10%.

Welcome to website. In the article we will tell you everything about getting a social mortgage, what it is, as well as which segments of the population can count on it. Social mortgage is a state assistance to citizens who belong to preferential categories. That is, these citizens are allocated money for which they can purchase their own living space.

Regional authorities independently decide how the mortgage will be obtained, what subsidies will be applied to it.

To date, there are several types of such assistance:

Compensation of part of the price of the purchased apartment.
Acquisition of living space from the state at a low interest rate.
Paying part of the mortgage interest.

A set of government programs through which vulnerable segments of the population can purchase housing for themselves is called social mortgage. Not everyone knows that citizens who have been officially recognized as needing housing have the right to participate in these programs. But these citizens are not the only ones who have the right to receive an affordable mortgage. In accordance with the program, young families, military personnel and public sector employees can purchase a new apartment.

There are several social mortgage programs, among which everyone can choose the appropriate option:

Interest subsidy.
Buying an apartment at a reduced rate.
Payment of a certain amount of the total cost of the apartment.

An interest rate subsidy is a social mortgage program that lowers the interest rate. These programs operate in a large number of commercial banks. They issue mortgage loans to certain categories of citizens at low rates, and also set a flexible payment schedule. For such banks, there is no difference who pays interest, the borrower himself or the state pays for it.

The poor part of the population most often chooses partial payment for living space. The essence of such a mortgage is very simple, that is, the state covers part of the cost of living space, but the money is issued not to the future owner of the apartment, but to a credit institution, which in turn subtracts this amount from the total debt and calculates new loan payments.

The acquisition of housing from the state is the acquisition of living space from the housing stock. This mortgage is used for the sale of apartments to certain categories of citizens, these include:

Military personnel.
civil servants and others.

About social mortgage in 2020

The amount of the subsidy for 2020 is set at 30% of the total cost of the price, more precisely, it should not be lower than the daily value. If an apartment is purchased by families with children, then the subsidy increases to a minimum of 35%.

The final size is set by the regional authorities independently, it is influenced by the cost per square meter in the region, the size of the regional budget and the number of children in the family.

Social mortgage in 2020 is issued at a minimum interest rate of 9.9% per year. Although the majority of banks, including Sberbank, set a minimum interest rate of 11.5% per annum and at least 20% down payment. And in a mortgage lending agency at the same interest rate, the down payment is only 10% of the total cost of the apartment.

As mentioned above, a large number of commercial banks additionally offer their mortgage lending programs for public sector employees. They have lower interest rates and longer repayment periods.

Who is entitled to a social mortgage

The following categories of citizens are entitled to a social mortgage in accordance with the law:

State employees, citizens who are on state support.
Poor citizens, a category that does not have decent living conditions.
Young families, citizens who are married, and have not reached the age of 35 years.

But they can apply for benefits only if certain conditions are met:

The work experience of state employees must be at least three years in the relevant organizations, that is, in state or municipal authorities, employees of medical or educational institutions, police, rescue institutions and other structures.
If the family does not have their own housing or it does not meet the necessary living standards or sanitary standards.
The couple is under the age of 35.

To get a mortgage, you must meet a number of important requirements. This type of mortgage is provided only to citizens who are recognized as needy at the legislative level and live in housing that is recognized as emergency or will be demolished. Also, this mortgage applies to young families, that is, if the spouses have not yet reached the age of 35 years.

Large families with three or more children are also eligible for social mortgages. A loan can also be issued by citizens who, by law, are participants in hostilities, and fought in Chechnya, Afghanistan and Syria, and defended the honor of their country, citizens who work in the public sector, doctors, teachers, employees in government bodies, researchers and other categories citizens.

Young families can qualify for the purchase of housing using preferential mortgages. This type of mortgage involves a bonus from the state to newlyweds, that is, the bonus is 30% of the total cost of the apartment if the family does not yet have children.

If there are children in the family, then compensation will be 35% of the cost of housing. Even if the family has already taken out a mortgage and they have a baby, the state will still help. In this case, the additional subsidy will be 5% of the total cost.

Cash is not issued, the family receives a certificate, which is provided to the bank after the loan is issued, and the state makes the payment directly to the lending institution.

The family has the right to choose to use the benefit, which means that it can be used to pay a down payment, to pay part of the main cost of housing, or to pay off a loan debt.

Not every family has the opportunity to purchase housing, as they either do not have enough money to buy or have nowhere to earn it. Mortgages, which are provided to low-income families, enable such families to purchase their own square meters. The options for receiving state assistance to low-income families are the same as for other categories of citizens.

Despite the fact that the income of state employees is stable, it is not very high. Not all banks can issue a mortgage loan with a low salary. But the state has created a special loan program for them, which is called "mortgage for budgetary workers." This mortgage for public sector employees is issued for a period of 25 years and has a number of its own features that relate to this loan product.

Not all employees of budgetary organizations have the right to such a mortgage, but only those who provide special value. These include teachers, doctors and researchers. In addition, they must be recognized as needing property. At the request of the state, the employee does not have the right to change the scope of activity throughout the entire period of payment of the mortgage loan.

Mortgages for doctors and military personnel

Social mortgage is provided to military personnel within the framework of the accumulative mortgage system, and he must participate in it for at least 3 years. Funds from this fund are used as a down payment for purchased housing.

A serviceman receives a special certificate in his hands, which confirms his right to a benefit, it must be brought to a credit institution. To obtain this certificate, a soldier must write a report addressed to the unit commander.

To receive a social mortgage by doctors, they need to be in need of their own living space and be needed by their medical enterprise.

Design features

Under the new legislation, social mortgages are issued to citizens who are in the category of socially unprotected people and who need to purchase their own housing. That is, citizens must document the status of need. To obtain such a status, it is necessary to submit the necessary package of documents to the social protection service, and only after that, privileged categories of citizens have the right to queue for mortgage lending on social terms.

The queue for apartments has been familiar to many since the days of the Soviet Union, the system has not changed since that time, but now there are much fewer people in the queue. Since the conditions for obtaining the status of need are very stringent, and not all citizens are considering this option of buying a home.

In accordance with the law, each citizen has the right to receive 18 square meters - this is for a family of three or more (for each family member), for a family of two, the apartment area is 42 square meters, and single citizens have the right to an apartment area of 33 square meters.

There are a number of restrictions that significantly reduce the likelihood of being considered in need of living space - these are:

The minimum amount of living space that is sufficient for living is set by the local authorities.
All premises and real estate available to the family are taken into account, even if the family does not live in it. That is, if a family of five lives in an apartment of 40 square meters, and the mother has a house in this city, then none of the family has the right to stand on the waiting list for housing.
The conditions in which the family lives must be recognized as unacceptable for living, but this requires various examinations and special commissions, which can slow down the whole process for many months.

There is also one more thing, now 1.3 million people are in receipt of preferential mortgages. That is why getting such a mortgage becomes very difficult, and in some cases impossible at all.

If a person has received the coveted status of needy, the next step is to collect a package of documents that will be required to obtain a loan. Before doing this, it is necessary to clarify what programs are currently available in the region, they are told about this in local authorities. Perseverance should be shown here, since, in accordance with the law, they must send a person to a special legal department, in which all mortgage lending programs are issued on preferential terms.

But even with the presence of benefits for mortgage lending, it becomes difficult to get it, since the conditions and requirements of banks do not change. That is, it is necessary to confirm income, collect a large package of necessary documents.

According to information sources, there are about 40 banks that work with preferential programs in the country, but in fact there are only 7-8 of them. Most banks do not agree to work with government programs and offer their own, which simply have similar names.

Where to go

In order for the program of preferential mortgage lending to start its work, a person needs to contact the administration at the place of residence and the bank where the mortgage will be issued. In Moscow, it is much more difficult to take part in the program than in the Moscow region.

Many commercial banks may impose their own requirements on borrowers, that is, the level of income or length of service. This information must be clarified before the collection of documents begins.

Documents required to apply for a mortgage

A social mortgage for a young family or another preferential category of citizens is issued upon submission of the following documents:

Application for receipt.
Passports for all family members.
Birth certificate for children.
Extract from the house book.
Information about the composition of the family.
Certificate of income and work experience.
A photocopy of the work book.
Extract from the USRR for the purchased apartment.
Certificate of ownership of the apartment.
Legal documents for housing.
Bank account details.

Citizens who do not have their own apartment and live in a communal apartment, hostel or rent a living space have the right to a social mortgage. It can also be obtained by state employees who live in the same area with other relatives or in cramped conditions, less than 15 square meters per person.

Conditions for obtaining a social mortgage in Moscow in 2020

Social mortgage in Moscow is provided to citizens subject to a number of conditions:

All citizens who are registered as needing their own housing, that is, those who have registered this account before March 1, 2005.
All citizens who registered as needing to purchase their own housing after March 1, 2005, but before the beginning of 2017 received the status of the poor, and also managed to apply for a preferential mortgage before the beginning of 2017.

What kind of living space can be taken in Moscow

A person has the right to buy housing or part of it from the list offered by the Moscow Real Estate Department.

The main conditions of the social mortgage are the total size of the area, after it is improved, it should not be less than the established norm, that is, 18 square meters per family member. The norm of the area may be more, but the main thing is that it does not exceed the established standards:

40 square meters per person if a room or one-room apartment is purchased.
44 square meters, if the family consists of two people, that is, only spouses.
54 square meters, two-room apartment, if there are two people in the family, but they are not spouses.
62 square meters, two-room apartment, if there are three people in the family, in which there are spouses.
74 square meters, three-room apartment, if there are three people in the family and no spouses.
At 18 square meters per person, if there are four or five people in the family, the resulting size of the apartment can be increased by another 9 meters, but no more.
For 18 square meters, if there are 6 or more people in the family, the resulting size of the apartment can be increased by 9 square meters, but no more.

It is worth knowing that if there is a person in the family who has the right to independently use the living space or part of it, then the size for this person will be deducted from the provided rate.

Different-sex family members, except for spouses, can be settled in one room only directly with their consent.

Step-by-step instructions on how to get a social mortgage

To apply for a social mortgage, you need to go through several important steps:

Submit a completed application and the collected package of documents for making changes in the accounting file. When writing an application, it is necessary to choose a method of providing the necessary living space, in this case it is a social mortgage. All family members and their applicants are required to sign the application.
If necessary, you will need to bring documents for re-registration. This procedure should be carried out every 5 years, but not less often. Also, this procedure must be carried out a year before a decision is made to provide living space and then before the decision itself is made. This is done to confirm that the family is still in need of accommodation. As a rule, such a procedure is carried out without the participation of the waiting lists themselves. In some cases, however, additional documents may need to be collected.
Then the living area is selected. After there are all changes in the accounting file, the Department of Real Estate, in accordance with the priority, will send a special notice to those on the waiting list, in which there will be three options for providing housing. They must be reviewed and then the department notified of the decision. If the family did not like the accommodation provided, then the next three options will be provided only after a year.
After that, the family goes to the bank, which will issue a mortgage, it is chosen by the family on their own. Then you need to wait for a positive decision of the bank on issuing a loan in the amount necessary to purchase the selected apartment, taking into account the payment of part of the cost at the expense of personal funds. In this case, you can use maternity capital.
A contract of sale is concluded with the Department of City Property. To do this, you need to write an application for the conclusion of an agreement and bring a complete package of documents to the multifunctional center (MFC).
And the last stage is the registration of ownership of the purchased apartment.

Each appeal to the Department of City Property is registered with the assignment of an individual number. Using this number, you can check the status of processing the application on the official website of the city department.

Why banks conclude a mortgage agreement with state employees on special conditions

Commercial banks not only issue mortgage loans to public sector employees, but also provide them with special preferential conditions, this has a significant explanation:

Discipline of public servants. They treat obligations with full responsibility, and this quality is very important for the bank and they are sure that the loan will be repaid in full.
State employees can be influenced with the help of management. These workers hold on to their jobs and can easily be strongly influenced by superiors. Otherwise, the debt will be written off directly from the employee's salary.
The income of such workers is stable. Despite their small size, their salary is clean and does not have the concept of gray and white. Public organizations rarely go through downsizing or liquidation. And the likelihood that a person will not change jobs before the end of the mortgage payment is greatly increased.

As already mentioned, there is a social mortgage for doctors and other state employees, and there are special conditions for employees of the defense complex and their pensioners. The exact conditions and amount of such benefits must be found out from local governments.

Buying your own home is the most cherished dream of any family that needs it. Unfortunately, not every citizen can afford to do this for cash, having the appropriate income or savings. So mortgages come to the rescue.

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

If we analyze this type of lending, then standard programs also hurt the pocket, and therefore are beyond the power of socially unprotected citizens. But for some categories of citizens there is a way out - a social mortgage, and it is about it that we will discuss below.

The legislative framework

The Federal Law on Mortgage Lending was adopted in 1998, and it is this act that is fundamental. It regulates the procedure for issuing such loans, and also regulates all issues regarding registration and moving into housing. You can add a few more regulations to it.

The constitution, which says that every citizen has the right to housing and cannot be evicted from it without legal grounds.
Federal legislation on large families, military personnel, employees of budgetary and law enforcement sectors, and social benefits that are provided to them, including mortgages.
Regulation on the Agency for Social Mortgage Lending, which regulates the rights and obligations of officials of this state body.

It must be remembered that there are also regional programs under which certain categories of citizens can be allocated budget money for partial repayment of mortgages.

The concept and features of social mortgage

Mortgage lending means the possibility of acquiring a residential property on credit. In this case, the acquired apartment, home ownership, on which a special restriction is imposed, acts as collateral.

What is a social mortgage?

That is, mortgage information is entered into the state register, so housing purchased under such a loan cannot be sold or otherwise alienated until the loan and interest are fully paid.

Social mortgage is a kind of such lending, which provides for assistance from the state. It assumes part of the mandatory expenses (initial payment, interest payments), which are received by the banking institution from budgetary funds.

That is, in fact, the borrower falling under such a program receives financial support from the state. A feature of the social mortgage is that the funds allocated from the budget are not given into the hands of the borrower, but are immediately transferred from the budget to the bank account.

In addition, the possibility of various fraudulent schemes with real estate is excluded, because representatives of a special state agency for mortgage lending are involved in obtaining a mortgage.

You need to know that the decision to issue a social mortgage belongs exclusively to officials of the mortgage lending agency, and they make all transfers to banking institutions.

Conditions for obtaining a social mortgage

First, it is necessary to determine which real estate may fall under the social mortgage.

Residential properties. This includes apartments, as well as private households, which are intended for the residence of citizens, and they can be entered immediately after all the necessary paperwork is completed.
Land plots on which there are partially erected households, or it is planned to build a residential property.
Apartments in unfinished buildings that can be occupied after the house is put into operation. The main requirement is the readiness of the residential property by 80%.

Categories of citizens and families

Now let's move on to considering the categories of citizens and families who can count on a social mortgage:

the military and members of their families, this includes contract servicemen of the armed forces, the FSB, and other branches of the military who have served for more than 3 years;
police officers whose total continuous service is more than 10 years;
employees of budgetary organizations, that is, teachers and doctors who have not reached the age of 35, have worked for more than 5 years in their position, or have arrived in the countryside;
young families under the age of 35;
large families, that is, those that have three or more children;
railway workers with more than 6 years of work experience and under 35 years of age;
young specialists who, immediately after graduation, began their work experience and worked continuously for one year at any enterprise.

As you can see, social mortgage lending is clearly regulated and not every citizen can count on it. It should also be added that it provides for mandatory payments, therefore, before processing all the documents and receiving money, the credit institution, as well as the agency, will conduct a preliminary check of the general financial condition of the borrower.

It is important to remember that not all banking institutions participate in social lending programs. Only those banks that have received special permission from the Central Bank of the Russian Federation and are accredited by a mortgage agency are admitted to them.

Therefore, before starting the registration process, you need to ask if a banking institution is participating in this program.

Pros and cons of the program

Consider now the positive and negative aspects of this type of lending. The pluses include the fact that the interest rate on such loans, which the beneficiary is obliged to pay, will be from 4-10% per annum.

What is a social mortgage, see in this video:

Plus, with the help of budget funds, you can pay off part of the mandatory monthly payments (at the choice of the borrower). It is also an indisputable advantage that at the expense of budget programs you can improve your living conditions.

The negative aspects include the following:

it is impossible to buy elite housing, that is, budget money will be given for the purchase of housing at the rate of 18 residential square meters per family member;
the material condition of the borrower is strictly checked;
for some privileged categories of citizens, the law requires the mandatory payment of 10% of the cost of the apartment;
housing that is eligible for such a program must be in a new or refurbished home.

It is interesting to know that, despite the presence of some disadvantages of such programs, for the above preferential categories, this is the only way to become owners of the long-awaited square meters.

The procedure for acquiring an apartment on a social mortgage

Consider a detailed algorithm for acquiring housing under such a program.

If a family falls into one of these categories, they first need to find a suitable property.
Next, you need to collect all income certificates over the past few years to confirm the presence of stable earnings of working family members, confirming documents that citizens are beneficiaries, and then go to the state mortgage agency to find out if they will give money for a mortgage. If such consent is given, you can proceed to the next step.
With all the documents collected, you need to find a banking institution that is a member of the preferential mortgage program, and submit them for consideration of the application. It is also recommended to provide documents for the property, as well as a preliminary agreement confirming the intention of the parties to purchase and sell the property.
If a banking institution gives its consent, you need to take from them the details where the budget money will be transferred and take them to the officials of the agency.
Further, the down payment is paid or it is done at the expense of budget money (depending on the mortgage program). The property is registered in the name of the owner and entered in the state register.

It must be remembered that confirmation of the ability to pay the down payment can be a deposit in the bank, on the account of which the required amount will be located.

Required documents

Here is a list of required documents that you need to collect to participate in the preferential program:

certificates from municipal social authorities, the Ministry of Defense, the Ministry of Internal Affairs, as well as other budgetary bodies whose employees are subject to social mortgage;
a certificate of family composition at the current place of residence, as well as the number of those registered;
documents confirming income for the last few years, this includes an extract from the work book of all family members, as well as confirmation of the availability of funds for making a down payment;
the availability of benefits for paying utility bills, confirmation of the transfer of maternity capital (for families with children).

In some cases, a bank or mortgage agency may require an additional package confirming the solvency of a citizen and his family. Nuances arising from the implementation of this program.

First of all, you need to pay attention to the employees of the prosecutor's office. They are not eligible for benefits, but are entitled to significant discounts on utility bills, which are paid into a special account in cash.

If they are not spent, then in a few years a decent amount can be collected, which will serve as a down payment. This also applies to civil servants of the city of Moscow.

The salaries of such employees are not high, but there are regional programs for them that allow them to repay part of the mortgage funds at the expense of the local budget.

Citizens who can get a social mortgage.

It is important to remember that families with children can take advantage of two mortgage programs at once. They can issue a 5% mortgage and attract maternity capital to repay it.

Methodology and examples of calculating square meters

In order to fall under the social program, privileged categories of citizens must figure out how many square meters allow it to be used. Some banks offer online calculators that require you to enter personal and other data.

But this is all done simply. As mentioned above, you cannot buy elite housing in a social mortgage. Under his concept fall objects of residential real estate with a large quadrature. The Housing Code says that in order to comply with all minimum sanitary standards, each family member must have at least 18 square meters of living space.

At the same time, there is one more requirement, heterosexual family members (not husband and wife), for example, brother and sister must live in separate rooms. Therefore, in order to calculate whether an apartment is suitable for a social mortgage, the family must take into account such data. Consider, for example, a social mortgage for a family of 4, where there are parents, a brother and a sister.

For each person you need 18 square meters, that is, 18x4 \u003d 72 m 2. Brother, sister, parents need separate rooms. If the apartment has two rooms of 72 squares, then such housing will not work. We need a three-room apartment, that is, we can add 18 more squares, since there are practically no three-ruble bills with a total living area of 72 m 2.

It turns out that for a social mortgage, you can buy a three-room apartment with a living area of 90 square meters. It must be remembered that the total area is not included in this calculation.

Online social mortgage calculator

Now let's look at what data you need to enter into the online calculator for calculating social mortgage payments.

The following data is entered into it:

the amount of the down payment to be paid by the borrower or the budget;
monthly payment for the body of the loan (fixed amount);
the total cost of the apartment;
the interest rate, as mentioned above, depends on the preferential category;
the period for which the loan is taken.

After entering these data, the calculator will give you approximate monthly payments. For example, it looks like this:

The cost of the apartment is 5,000,000 rubles. The down payment is 10%, that is, 500 thousand, the balance is 4,500,000. The interest rate is 5% per annum. The loan was taken for 20 years.

Let's calculate the monthly interest payment: 5/12=0.4% per month. We determine the monthly interest payment: 4,500,000x0.4% / 100% = 18,000 rubles.

The interest overpayment will be equal to: 18,000x 140 (months in 20 years) \u003d 2,520,000 rubles. Plus, add the loan body of 4,500,000, it turns out that you need to pay 7,020,000 million. This calculation is given in the event that under the agreement the entire body of the loan will be repaid in the last month of the mortgage loan.

But this is an approximate amount, since in each monthly payment there is a certain amount to repay the body of the loan, taking into account the fact that interest for the use of money is charged on the balance of the body, then the above amount will be much less. But the calculation algorithm will remain unchanged.

It is important to remember that the online calculator can only give approximate calculations.

Moscow banks participating in preferential mortgages

In the Moscow region, the following banks take part in social mortgage programs:

Sberbank;
VTB 24;
Communication bank;
Bank Zenith;
Rosselkhozbank.

This video will tell you all about social mortgage for Muscovites:

It should also be taken into account that such a list may change every year, since some credit institutions may obtain the necessary permission and become also a participant in social lending.

It is important to remember that the interest rate in any bank on a social mortgage will not exceed the threshold of 5-10%, and depends on the chosen program and the financial condition of the borrower.

In order to become the owner of an apartment taken in a social mortgage, you need to fall under a certain category of citizens, as well as provide a list of necessary documents. The transfer of budgetary funds for partial repayment of the loan is carried out by the mortgage agency.