How much is given on a military mortgage. Military mortgage interest. Tips on how to lower your rate and review offers. Reducing mortgage interest: one-time promotion or long-term strategy

Separate categories military personnel available military mortgage in 2018, while maximum amount will depend on their age and seniority. The specifics of providing housing are regulated by Federal Law No. 117-FZ of 20.08.2004, and in fact, employees of the RF Armed Forces do not make payments from personal funds - they come from the federal budget.

Features of obtaining a mortgage for the military

Many people interested in obtaining a military mortgage do not know what it is. Speaking simple language, the program is a mechanism for the acquisition of housing for employees of the RF Armed Forces at the expense of budget funds.

NIS program (cumulative mortgage system) was launched in 2004, the responsibility for ensuring its functioning is assigned to Rosvoentek. According to the law on military mortgage, the initial contribution to the personal account of military personnel comes in the form of a subsidy, and then monthly payments are transferred from the budget of the Ministry of Defense.

The main difference between a military mortgage and a civil one is its financing from budget funds... Ordinary citizens have to save money on their own for down payments and recurring payments if they do not participate in programs for families with children. Also, participation in the NIS implies the passage of service under a contract: for people who do not serve in the army, subsidies at the expense of the state are not available.

The mechanism for providing a mortgage for the military under the contract is simple:

• A soldier is registered in the program as a participant. Over the course of three years, money is received on his savings account. In 2018, the amount is 268,465 rubles. 60 kopecks
• After three years, the participant sends a report on the provision of a certificate of eligibility to receive an IDL (targeted housing loan). When the document is issued, the soldier chooses housing that meets his desires and requirements of the Ministry of Defense, the insurance company and the bank.
• When the property is selected, the participant applies to the military mortgage bank and submits an application. If it is approved, a personal account is opened, to which the initial contribution from the savings account is received. At the same stage, the documents necessary for the financial institution are submitted.
• The agreement on the IDC is signed. The participants in the transaction are the bank, Rosvoenteka and the military man himself.
• A sale and purchase agreement is drawn up with the developer or the owner of the apartment, subsequently a loan agreement is concluded with the bank.
• The participant receives a certificate of ownership of the purchased property, issued in his name.

Important! In some cases, participants in a military mortgage, upon dismissal ahead of schedule, have to pay the remainder of the debt on their own. This includes termination of the contract due to deprivation of military rank, the imposition of a sentence of imprisonment, failure to comply with the terms of the contract.

Eligible: conditions and requirements

According to Art. 9 Federal Law No. 117, which indicates who can get a military mortgage, the following categories of citizens have the right to participate in the NIS:

• Persons who graduated from military universities and secondary specialized educational institutions and received military ranks after 01.01.2005. If the contract was awarded prior to that time, employees who have served 3 years are also eligible.
• Warrant officers and warrant officers, if their length of service was at least 3 years before 01.01.2005, as well as those who entered service under a contract, if their length of service is 3 years at the time of the above date.
• Citizens who graduated from the military educational institutions and received titles at the time of training in the period from 01/01/2005 to 01/01/2008.
• Servicemen who have been awarded officer ranks since 01.01.2005.
• Persons who received ranks in connection with the completion of training courses for junior officers from 01.01.2005, if their length of service at that time was less than three years.

Thus, the main requirement in most cases is the presence of three years of service in the ranks of the RF Armed Forces.

Important nuances of the program

To understand whether it is worth taking a military mortgage, it is enough to familiarize yourself with its advantages and disadvantages:

Another question that often worries citizens is whether it is possible to pay off a civilian mortgage with a military mortgage, if it was taken before entering the service. Everything is done in the order of combining two credits. To do this, you need to contact the bank and find out all the conditions.

After analyzing all the pros and cons of a military mortgage, one can come to the conclusion that it is really beneficial for contract employees if they are not going to quit before it is paid off.

Change in payments on military mortgages in 2018

According to the latest amendments, in 2018 the ceiling on mortgage lending for military personnel was reduced from 2.4 to 2.2 million rubles. This is done to save budget. Another change concerns the fixing of the rate in the contract. Now borrowers will not receive "surprises" in the form of accruals additional interest, when earlier the amount of payments depended on the amount of the initial payment.

Also, the military mortgage will be indexed in 2018 to 268,465 rubles. 60 kopecks In three years, there will be about 800,000 rubles on the personal accounts of the military, which will be used to pay down payment.

Conditions and scheme for obtaining a military mortgage in 2018

Compared to previous years, the list of persons who have access to a mortgage has not changed. To arrange it, you need to do the following:

1. Register as a participant by submitting the appropriate report.
2. Wait 3 years. When the required amount is formed on the account, write a report on obtaining a certificate for the issuance of the IDC.
3. Find suitable accommodation. It must be located on the territory of the Russian Federation, have a separate kitchen and bathroom, be equipped with a water supply system and be in good condition.
4. Find a military mortgage bank. You will have to provide a passport, documents for an apartment, a certificate for the IDC, a military ID.
5. Obtain a targeted loan. After checking all documents by the Ministry, an agreement is concluded between the bank, Rosvoenteka and the military.
6. Register ownership through the MFC or Rosreestr.

To register a dwelling in ownership, you can submit documents through the State Services, if there is a qualified digital signature issued by a certified center.

Registration of mortgages for military personnel: banks and conditions

Most optimal conditions The following financial organizations offer housing loans for the military:

It is worth noting that banks also provide military mortgages for Rosgvardia employees, however, payments on it are made entirely at the expense of the budget of the Ministry of Internal Affairs, and not the Ministry of Defense.

The amount of military mortgage savings by years

Every year, regular amounts of deductions to the personal accounts of military personnel are indexed, which can be seen from this table:

The total amount of savings in 2018 for citizens who applied for participation in the program is 774 786.6 rubles. It is used for a down payment. If there is not enough money, you will have to add your own funds, or look for a bank with lower requirements.

To view the military mortgage savings through the registry number, just go to the official website of Rosvoenteka in Personal Area by entering the registration number and password.

Banks and interest

The list of banks working with military mortgages is quite wide. Each of them offers different conditions:

The above institutions cooperate with the Ministry of Defense and are partners.

Conditions for obtaining

Each financial institution puts forward its requirements for borrowers. Consider the example of Zenith Bank for a military mortgage:

• Russian citizenship and registration on the territory of the offices.
• Good credit history.
• Finding real estate at the location of the branches.
• No encumbrances on housing.

The interest rate at Zenith is 9.9% per annum. For comparison, in Sberbank it is 10.5%, and in VTB it is reduced to 8.7%, but in the latter case, more stringent requirements are imposed on customers. The current rates of the Russian Agricultural Bank can be viewed.

Obtaining tax deductions on mortgages

If military personnel invested their own funds to buy housing, they can receive tax deduction... To do this, it is enough to be a participant in the program and pay 13% of personal income tax on a monthly basis. The total amount of the deduction is 260,000 rubles. or 13% of the maximum amount of 2,000,000 rubles.

What is taken into account for calculating the deduction:

• The amount of your own money listed to pay off the debt.
• Purchase costs building materials and home repair.

To get a deduction, you must contact the territorial office of the Inspectorate of the Federal Tax Service with the documents:

• statement;
• 3-NDFL;
• receipts and receipts confirming repair costs.

A deduction is also available upon sale, but for this the apartment must be owned for 3 to 5 years.

The procedure for registration of a military mortgage and the purchase of new or secondary housing

In more detail, buying a home on the secondary market using a loan for military personnel looks like this:

1. Obtaining a certificate 3 years after registration.
2. Bank selection. Consideration should be given to conditions, interest rates and customer requirements.
3. Acquaintance with the requirements for the acquired real estate, the choice of a suitable apartment.
4. Drawing up an advance agreement with the seller, carrying out an examination of the cost of the dwelling.
5. Delivery of documents to the bank.
6. Obtaining approval, signing a contract.
7. Transfer of the remaining money to the seller.

After receiving the funds, an acceptance certificate is drawn up, and new owner draws up an apartment in ownership.

Buying a home in a new building

Features of purchasing an apartment in a new building on a mortgage for the military are as follows:

• Banks may have increased interest rate compared to loans for secondary housing.
• Home accreditation is required.
• The mortgage is drawn up on the basis of an assignment agreement or equity participation in construction.

What are the requirements for the apartment itself:

The very process of making a deal on the part of the borrower looks like this.

The terms of the Military Mortgage, which appeared back in 2005, are being improved from year to year. This is evidenced by the gradual increase in the number of partner banks of the Military Mortgage, as well as the annual increase in the size of the state annual funded contributions. Thus, servicemen included in NIS in 2005-2008, in 2017, while maintaining the level of profitability of NIS funds at the level of 2015-2016, will additionally receive at least 500 thousand rubles to their personal account, taking into account income from investment of NIS funds.

The amounts of the Military mortgage by year make it possible to understand the principle of the formation of military personnel savings for housing and see the big picture.

• In 2005, when the contractors had just learned about the mechanism of the Military Mortgage, the state set the final annual contribution at 37,000 rubles.

• In 2006, 40,600 rubles were transferred from the budget to the account of each participant in the system.

• In 2007, the Government revised the size of the annual contribution again, increasing it to 82,800 rubles.

• A year later, in 2008, the amount of the contribution was increased to 89,900 rubles.

• The amount of the contribution almost doubled in 2009, when the amount allocated for each participant increased to 168,000 rubles.

• The next year, there was an increase in the amount again, which in 2010 reached 175,600 rubles.

  Related materials

  • 2011 saw an increase, albeit not very significant. Then the amount of the contribution increased to 189,800 rubles.
  • In 2012, the state allocated 205,200 rubles as an annual contribution for NIS participants.
  • In 2013, the Government again revised the amount of the contribution to 222,000 rubles.
  • In 2014, the state apparatus allocated 233,100 rubles to the defenders of the Fatherland.
  • In 2015, NIS participants received 245,880 rubles each on their personal accounts.
  • , in connection with economic situation in the country, the Government decided to keep the annual contribution at the 2015 level. Therefore, the amount of contributions in 2016 is equal to the amount of contributions in 2015.
  • the cumulative contribution is indexed above the forecasted level, which is insignificant, but compensated for the under-indexing of the contribution in 2016, and amounted to 260,141 rubles.
  • the accumulative contribution was approved in the amount of 268,465.60 rubles.

  
  The contribution is indexed annually based on the official data on the inflation rate, so the amount of the contribution, even if it has not been increased by the state, will not decrease.

  This rule is fixed in the current legislation on the accumulation and mortgage system.

  Besides monthly (annual) receipts to the personal account of funds from the budget of the Russian Federation, additional income from the investment of military personnel is also credited to the account.

  In nominal terms, these amounts are very significant and are a weighty argument when considering various options for using NIS funds in order to maximize efficiency.

  In particular, the table below shows, as of January 1, 2016, the amount of income from the trust management of the money of military personnel.
  

  Year of origin the right to participate in the NIS	Range investment income, depends on the month of inclusion in the system (thousand rubles)
  2005	652-685
  2006	610-642
  2007	553-606
  2008	442-540
  2009	346-442
  2010	258-343
  2011	183-249
  2012	111-178

  Military mortgage. Contribution scheme

  
  The accrual of contributions to the accounts of participants is carried out according to two schemes.

  Increase in the account of NIS participants who have not bought housing (who did not conclude the contract of the CWL by 31.12.2015), occurs on a monthly basis. Each participant is credited to the account once a month 1/12 of the total annual amount.

  In addition to monthly contributions, the amount of investment income is transferred to the account of each participant on a quarterly basis.

  Those participants who bought real estate before December 31, 2015 are immediately credited to the account at the beginning of the year - a lump sum, which means an increase in the total average amount of savings involved in trust management and, accordingly, affects the increase in the total amount received by the military from the investment of NIS funds.

V modern society the issue of housing acquisition is extremely relevant. An important part of our society is the military, for whom there is a military mortgage, which allows them to acquire housing on preferential terms. It is necessary to figure out how much they can count on on a military mortgage and what factors can affect it.

The amount of military mortgage savings by years

Military mortgage is a program aimed at improving housing conditions military personnel, providing them with mortgage housing while meeting the requirements and conditions of contract service.

It should be noted that the military mortgage is one of the most profitable programs home lending. Starting from studying at the academy, an NIS account is opened for future military personnel, to which every month they receive cash... Subsequently, the amount is accumulated, which is used in the future for the purchase of housing.

If a military man came to serve under a contract without having a special education, an account is opened after three years of service without complaints from his superiors.

She began to work in 2005, consequently, the military personnel who entered the service from that moment received accruals annually. If you are wondering the amount of a military mortgage by year, you should know that in 2005, 37,000 rubles were transferred to the NIS, in 2010 - 175,600 rubles, in 2015, 245,880 rubles were transferred to the military accounts.

Due to the 2014 crisis, the annual amount of savings has become lower than planned. According to the 2014 plan, the amount for the military mortgage in 2017 was supposed to be 287,532 rubles, but amounted to 260,141 rubles. It is possible to find out its size for the near future. In 2018, it was planned in the amount of 309,900 rubles, but in fact it will amount to 268,465 rubles. The state assured the military that the consequences of the crisis would be eliminated and that they would receive all due payments.

For citizens with service experience since 2005, the maximum amount of military mortgage savings for 2017 was 2,195,901 rubles. Also, servicemen who applied for apartments before 2005, and who do not fall under the program, will receive housing or monetary compensation from the state until 2020.

Maximum amount in 2017 and 2018

Previously, military personnel could obtain housing in several ways, but since 2015, only the military mortgage program has been in effect.

It is worth understanding its main features:

• every month NIS receives funds under the mortgage lending program for the military;
• for 2018, the maximum amount for a military mortgage will be 2,464,366 rubles;
• using the program, a soldier has the right to choose in which region to buy housing;
• it covers real estate both from the primary and from secondary market;
• to participate in the program, you must submit an application to your immediate supervisor, officers participate in it automatically;
• when obtaining a loan for the purchase of real estate, the first installment and monthly payments are paid from subsidies;
• after three years of participation in the program, you can use the accumulated funds to pay off the first installment, and then get a mortgage from the bank;
• maximum amount issued credit institutions for military mortgages in 2017 differs somewhat (for example, in Sberbank it is 2.33 million rubles, and in VTB - 2.29 million rubles).

The procedure for buying a home on a military mortgage

It is important to remember that when using a military mortgage there is an age limit of 45 years in most banks, so the period for which the loan must be repaid may be short.

Military mortgage terms

There are a number of banks that provide military personnel with the opportunity to obtain such a loan. Using the programs of Sberbank and VTB as an example, the benefits and conditions of mortgage lending for the military will be analyzed.

At Sberbank

Sberbank offers mortgages on preferential terms for military personnel for the purchase of finished housing. Basic conditions - annual rate 9.5% per annum, the amount of a military mortgage in Sberbank reaches 2.33 million rubles, an initial payment of 15%, and maximum term payments for 20 years. Borrower requirements - participation in the program and age of at least 21 years.

At VTB Bank

Turning to VTB, you should count on a rate of 9.7% per annum, a loan term of up to 20 years and an age limit at the time of the last payment of 45 years. The amount given to the military at VTB reaches 2.29 million rubles. The initial payment is from 15% and depends on the type of housing being purchased.

Important nuances of the program

Many military personnel may have questions about the Home Purchase Assistance Program. What happens when you leave, what to expect when you lay off?

If the reduction occurs for health reasons, when the military has served 10 or more years, the savings will not be lost anywhere, you will only need to pay the amount received in financial institution at a preferential percentage.

When a soldier decided to quit himself or was dismissed before 10 years of service, the amount of savings is canceled. It will also happen if he was fired due to non-compliance with the terms of the contract. For the disclosure of military secrets, seniority will not play a role. In these cases, the amount charged will be returned to the state budget in full.

Conclusion

Servicemen can count on government assistance in purchasing housing, as well as on preferential terms offered by banks, in particular, Sberbank and VTB 24. During service since 2005, the maximum amount of a military mortgage for 2017 is 2,195,901 rubles. But in order to use this amount on a military mortgage, you must serve at least 10 years without violations, or the savings may burn out.

Upon receiving the first officer rank (concluding the first contract, after submitting the report), the officer is automatically registered in the Accumulation and Mortgage System (NIS). His account is starting to receive annual payments. Their size is indexed. For example, in 2016 the amount of payments on a military mortgage was 246 thousand rubles, in 2017 - 260141 rubles.

You can use the accumulated funds only after three years of participation in this program.

After the expiration of the specified period, the officer can use the accumulated funds to pay the first installment on the military mortgage. The amount of the first installment is at least 10% of the loan amount.

Accordingly, the amount of the monthly repayment installment mortgage loan- the size of the annual payment, divided by 12 (the number of months in a year). In 2017, this figure is equal to:

260 141/12 = 21 678 rubles.

Is it possible to calculate the amount of a military mortgage

When calculating the term of payment of a military mortgage, the bank proceeds from the fact that mortgage payments are paid from those budgetary funds that go to the officer's account. In other words, the officer must pay off the debt to the bank before going into the reserve - before reaching 45 years.

Therefore, one of the main criteria when calculating the term of the mortgage and its amount is the officer's age. The longer he remains to serve, the more payments will go to his account as part of the savings and mortgage program. Topics on large amount he can count when applying for a mortgage.

Banks' methodologies for calculating the loan amount are somewhat different. Generally maximum credit for military mortgages in 2017 was between 1.9 million and 2.3 million rubles. For more information, see table 1:

The maximum amount of a military mortgage in 2017 was 3 million rubles. This loan was arranged by Zenit Bank with target limitation: only for the purchase of housing in the Moscow region in the cooperative "Sampo".

Are there any additional payments on a military mortgage

The principled position of the authors of the Law "On the Savings and Mortgage System of Housing for Military Servicemen" (Federal Law 117 of 20.08.2004) is that a loan to a serviceman for the purchase of housing on a military mortgage is fully extinguished at the expense of budget revenues.

I signed a mortgage agreement and received an apartment

But the situation in the economy is constantly changing. The budgetary payments for monthly payments to the bank may not be enough. In this case, unless any additional regulations, the officer will have to repay the loan with the help of own funds... For example, salaries.

It's another matter if an officer is dismissed from the ranks of the Armed Forces in connection with organizational and staff activities. In this case, he has the right to write a report to the regional department of housing security (submitted through the command of the unit) to receive additional funds to pay off the mortgage loan.

The amount of additional funds is calculated as if the officer continued to serve in the ranks of the Armed Forces and received payments under the NIS program.

The condition for receiving additional payments is at least 10 years of service in the ranks of the Armed Forces.

Family members of the deceased NIS participant, military personnel dismissed due to restrictions on fitness for military service etc.

But an officer is deprived of such a right if the dismissal occurs, for example, as a result of a criminal offense, violation of the terms of the contract. Moreover, in this case, the funds already received within the framework of the funded system will have to be returned.

How to find out the amount and balance on the military mortgage account by the registration number

To do this, you need to go to the website of the Federal State Institution "Rosvoenipoteka" (the body responsible for maintaining the register of NIS participants), log in, create a personal account and through it send a request for information of interest to the officer. At the same time, he must indicate his registration number in the register of NIS participants.

There is a table on the site, according to which you can find information about the accumulations of military personnel, depending on the date of their entry into the NIS.

Another option is to make a request through the unit command.

Finally, the command of the unit is obliged to annually notify the NIS participants about the status of their accounts.

Military mortgage - a way out of the demographic crisis

The maximum duration of the payment period under the NIS program is 20 years. If during this period the officer has not spent the funds received, has not concluded an agreement on mortgage lending, he has the right to dispose of the funds on his account at his own discretion.

Who is eligible to participate in the Savings and Mortgage System

Participation in NIS is guaranteed to officers immediately after receiving the first officer rank or signing a contract. Also - after submitting a report on joining the NIS.

• But the program can also participate:
  warrant officers and warrant officers who have served under a contract for at least 3 years;
• ordinary military personnel, sergeants, foremen who have served under a contract for at least 3 years and have concluded a second contract.

The amounts of payments, the timing of their receipt and all other parameters of participation in the NIS program are the same for all three categories of military personnel. That is, both the officer and the private contract soldier in 2017 received funded program RUB 260 141 and had equal grounds for concluding a mortgage agreement.