Loans for the construction of housing for large families. How and where to get a loan for a large family to build a house. Preferential loans for large families. Terms of provision

Most people are used to thinking that the purchase of their own home, whether it is buying an apartment or building a house on their own, is a long process and is always associated with saving money or obtaining a loan in the form of mortgage loan.

Meanwhile, many residents of Russia can claim benefits for the construction of a private house and pay the lion's share of the costs, namely 30-70 percent, associated with the construction of their house or apartment with the help of a subsidy. After reading this article, you will find out whether you are one of those lucky ones to whom our state can offer its assistance in this matter.

What is a housing subsidy?

A housing subsidy is actually the allocation of "state" money to the inhabitants of our country on a gratuitous basis, i.e. for nothing, as the character of the well-known Soviet cartoon said.

Usually a subsidy is not cash, but a certificate for a specific amount. With this certificate, you go only to the banking institution that is currently already a participant in the implementation housing program, and open an account in it, to which the accrual of funds allocated for you will be transferred as a result.

Initially, it is important to understand that the subsidy has some nuances, namely:

The first is the intended use. The money you receive can only be used to improve the quality of living conditions.

The second is a limited period of validity, usually six months. What happens if you do not have time to use the certificate for this period? Unfortunately, it will disappear, and you can only get it again on a first-come, first-served basis.

However, the path from the idea to approval and the direct allocation of subsidies is not a short one, so let's sort it out in order.

In other words, how much money will they give you?

The amount of the subsidy does not depend on which apartment you buy or which house you build. It depends on several factors, mainly on the composition of your family and on the price range per square meter of housing in your area.

A family whose composition is limited to only two members will receive about 600,000 rubles, three, respectively - about 800,000 rubles, and if your family has four people - about a million rubles.

These figures, i.e. the amount of the subsidy to be paid is calculated using the following formula.

First, the estimated cost of housing is determined. It is equal to the price per square meter of housing in your place of residence, multiplied by the pre-established in accordance with the state. the norms of the area of ​​\u200b\u200bhousing that your family is entitled to. According to the same standards, a family of 2 is entitled to only 42 sq.m. housing, but for larger families, consisting of 3 or more members - already 18 sq.m. per person.

Secondly, the amount of the payment itself is determined. Depending on the composition of the family, it can be 30-40% for urban residents and up to 70% for rural residents. That is, the size of the subsidy will be about 30-40% of the estimated cost of housing.

The formula for calculating a subsidy for building a house or buying an apartment

Assuming that your family of 3 lives in a city where the price per 1 sq.m. set equal to 40,000 rubles (for your region, see this figure in the table below). In this case, you are entitled to 3 * 18 = 54 sq.m. living space. 54 * 40000 \u003d 2160000 rubles is the estimated cost of your home. The state pays 30% of this cost, i.е. 648,000 rubles.

Price standards based on each square meter of housing for the II quarter of 2019 are shown in the table:

For what purposes is housing subsidy given in 2019?

Already from the name it follows that the housing subsidy is given directly to improve the level of housing conditions. It can be spent like this:

• Purchase of finished housing (since 2016 - only in a new building), incl. on the an initial fee by mortgage.
• Participation in shared construction.
• Building your own home. In this case, you must be prepared to confirm the purchase of materials or payment for construction work with checks and contracts.

Back in 2015, the subsidy in line with earlier current program"Young Family" also made it possible to repay a loan received for housing; in 2019 there is no longer such an opportunity, as well as the possibility of a new acquisition of an apartment on secondary market.

You have the right to receive housing subsidy, If you:

1. Never received such a subsidy before.
2. Your family has been recognized as really requiring better living conditions.
3. Be part of one of the beneficiary groups.

With the first point, there is usually no doubt.
As for the second, under what circumstances can your family be recognized as in need of improving the quality of housing conditions?

• In the place of current residence, there is less area per person than the minimum in the region - see an example below.
• The family does not own a home at all.
• Housing is recognized as dilapidated, emergency or not meeting the requirements.
• Several families live in the same room, along with this, one of the family members has a chronic disease.

Also, for different groups of beneficiaries, additional conditions recognition as in need of improving the quality of germinating conditions.

As for the minimum area, for different regions it ranges from 8 to 18 square meters, wherein federal regulation equals 12 sq.m. per person. What to do in cases where family members are registered in different apartments? Let's give an example of calculation.

For example, the husband is registered with his parents, and the wife and child are registered with the wife's parents, where her younger sister also lives. 3 people are registered in the apartment of the husband's parents, its area is 35 square meters. m. So, for 1 person there are 35/3 \u003d 11.7 sq.m. The wife's parents have 60 square meters for 5 registered. m. 60/5 = 12 sq.m. per person. In total, a young family accounts for 11.7 + 12 + 12 = 35.7 sq.m., and for one family member - 35.7 / 3 = 11.9 sq.m. If in this region the norm is 12 sq.m. or more, then such a family will be recognized as in need of improving the quality of housing conditions.

Particular attention should be paid to the fact that in the Housing Code there is an article 53 devoted to the deliberate reduction of the quality of living conditions. Of course, if such a fact is revealed, a citizen cannot apply for a subsidy.

In the most frequent cases, a subsidy is issued for the construction of a house to citizens with a large family composition, i.e. large families, as well as young families.
Lists of groups of citizens who can apply for a housing subsidy:

• Large families with three or more children up to 18 years old or up to 23 years old if the children study at universities or do military service.
• Young families - with the number of children 1 or more, in which the age of each spouse or one parent (in an incomplete family) is not more than 35 years.
• Orphans.
• low-income citizens.
• Families of people who took part and died in the Second World War.
• People moving from the territory of the Far North.
• Civil servants, military personnel, state employees.

Help in building a house for a young family in 2019

Let us dwell in more detail on such a category as a young family.
The Young Family project was extended for 2016-2020 and has undergone several changes, which we told you about above. Firstly, now with the help of a subsidy it is impossible to purchase housing on the secondary market, and secondly, it is impossible to repay a previously taken loan for the purchase of housing. Otherwise, the conditions of the program remain the same, and families where a spouse or single parent is under 35 years of age are eligible to participate in the program.

However, there are a few important points here:

1. The age of participants must be 35 years or less not at the time of application, but at the time of the decision of the commission. If during the consideration of your application you managed to grow old up to 36 years, then, unfortunately, you will be excluded from the program. Therefore, we advise you not to delay the application.
2. One of the parents must be a citizen of the Russian Federation.
3. Since the subsidy is paid in the amount of 30-40% of the cost of housing, you must prove your ability to pay the remaining 60-70%. This can be done in one of the following ways:

• With the help of a certificate confirming income in the form of 2-NDFL. At the same time, the total family income should be at least 23,950 rubles for families of 2 adults; for families of 2 adults and 1 minor child, the income should not be lower than 32,561 rubles; for a family of 2 adults and 2 minor children - at least 48,020 rubles.
• With the help of a certificate for maternity capital.
• If you have sufficient funds Money on a bank account, as evidenced by an extract from your personal account.

Documents for obtaining a subsidy for building a house or buying an apartment

To receive a subsidy, you need to collect the following package of documents:

• Passports of all adult family members and birth certificates of all minors - originals and copies.
• A copy of the marriage or divorce certificate.
• Certificates of income in the form of 2-NDFL.
• Extract from the house book.
• Copies of documents for the acquired property.
• Help that the family needs to expand the living space - how to get this document, see below.
• Documents of ownership of existing housing or contract social recruitment.
• A work book and a copy of it, or another document that may indicate your membership in any of the beneficiary groups, if there are appropriate grounds for this.

How to confirm that your family needs an improvement in the quality of housing conditions? Such certificates are authorized to issue local governments, which you should contact. After that, the commission examines your living conditions and draw up an act. In this situation, you need to provide the following set of documents:

• Application (drawn up upon direct submission of documents to the relevant authorities).
• Passports of all family members who have reached the age of 18 (from 1 to 19 pages) and birth certificates of children under the age of eighteen.
• Information about the composition of the family, occupied residential and total area. If family members have lived at this address for less than 5 years, certificates of family composition from the previous place of residence are also required.
• Documents for an apartment or house (certificate of ownership, social tenancy agreement, etc.). If family members are registered in different places, such documents must be provided for each dwelling.
• Office Help Federal Service state registration, cadastre and cartography on the availability of property - for all family members.
• Certificate of ownership - for all cohabiting family members according to the registration of each of the spouses.
• References from medical institutions if necessary.
• Apartment plan issued by BTI.

Documents required to receive a housing subsidy

Where and how to get a subsidy for building a house?

In order to register for a grant, you will need to collect required documents and apply to the commission in your city with an application for participation in the program. Documents are accepted from January to July. Your application will be considered within 15 days, and then a letter will be sent to the specified postal address.

Within a month of receiving the letter, you will need to apply to the municipality for a certificate. You will be able to receive the subsidy itself only for the next year - this is important to consider when planning the construction of a house or buying a home.

In conclusion, it is worth saying that, although the process of obtaining a subsidy at first glance seems incredibly long and complicated, after last years More than 100,000 families received payments. Why don't you add to this list?

How to get a loan for large families and which banks provide today Better conditions? In spite of a large number of banks do not have programs aimed at helping this particular category special offers for such consumers. But this does not mean that MS cannot count on any preferences.

Basically, assistance concerns the improvement of living conditions or the acquisition of an apartment on the terms of preferential mortgage lending. In this direction, there are special government programs, in which, for example, the Security Council of Russia takes part.

Social mortgage: shortcomings of the system

How to get a loan for large family to buy a home? At the state level, a program was developed, the main purpose of which is to improve living conditions for this category of citizens. Numerous banks take part in this program, but still it cannot be called perfect today. The thing is that the established first installment is very large, it is about 30%, which must be collected independently and paid immediately. Of course, when buying a small apartment, such a question cannot be called overwhelming, but for families with 3 or more children, this amount is too large, it becomes almost impossible to collect it on your own.

Understanding the situation of low-income segments of the population, in 2018 it is planned to develop and adopt new program, which will provide more lifting conditions, but on this moment she is not. Therefore, the question of how to get an interest-free loan for large families, especially for the purchase of housing, is now being decided at the regional level or when choosing a suitable banking product.

Preferential mortgage options: which banks provide and general conditions

The vast majority of modern banking institutions do not have special programs for lending to MS, but offers special conditions for such categories of clients as young families, participants payroll programs, military personnel, employees of the public sector. Therefore, if one of the parents belongs to such categories, the likelihood of obtaining loans for favorable terms increases.

Recently, social preferential mortgages with state support have been increasingly offered, focused on the purchase of housing on special conditions. The following suggestions are the most popular.

Mortgages with state support from the AHML agency:

• down payment from 20%;
• rates: from 12.25% for secondary housing and from 12% for primary housing (for large families);
• long-term loans - up to 30 years;
• monthly payments no more than 50% of the total family income.

Loan for young families in Sberbank:

• affordable down payment - from 20%;
• rate from 8.6%;
• the possibility of attracting co-borrowers;
• long-term loans - up to 30 years.

How to take a car loan for a large family, get refinancing of existing obligations or arrange customer credit without collateral? Most of these offers can be found at Sberbank, the maximum amounts are very different, as are the payment conditions, for example, for residents of Moscow maximum amount received borrowed money more than for the regions.

Almost any bank today offers mortgage loans involving maternity capital, which facilitates the payment of initial mortgage payments. VTB24, Gazprombank or the Bank of Moscow offer a soft loan for a large family to build a house. Conditions and interest rates different, so you need to familiarize yourself with the programs in detail before making a final decision.

How to become a member of the preferential program?

The main requirements that apply to applicants for a loan of any purpose are:

• the presence of citizenship of the Russian Federation;
• having a stable income;
• permanent registration (relevant for the region where the loan is supposed to be issued);
• 21-65 years old for the borrower;
• employment from 1 year (general experience) and from six months for the last job.

In addition, in order to receive a soft loan for large families, you must provide the following documentation package:

• a completed declaration (an example of a questionnaire can be obtained from the selected bank);
• completed registration form for receiving borrowed funds;
• consent to the CI Bureau and to the processing of data;
• copy of personal passport;
• a copy of the Holy State Insurance;
• a registration certificate, a copy of a military ID or a document confirming a deferment from service (for male borrowers);
• a copy of the birth certificate of children, an MS certificate;
• certificate of marriage/divorce (copy);
• maternity capital certificate;
• all documents that can confirm the receipt of a stable income, employment, etc.

The MS assistance program is still under development today. Most of the options are offered by regional authorities, which help to facilitate housing issue, for example, a state mortgage for the acquisition of a land plot for the construction of a house or for the purchase of an apartment using maternity capital. Some banks may provide special conditions for refinancing or consumer lending.

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Men set themselves the goal - to plant a tree, give birth to a child and build a house. In each of the undertakings, the state is ready to provide comprehensive assistance. So young families are provided with a mortgage soft loan for housing construction with an acceptable annual interest. The peculiarity of such a loan for natural person is a loyal approach to the borrower.

Today, a third of the population lives in debt. Most young families are forced to borrow money from a commercial or non-commercial bank to buy their own housing. Compared to the usual mortgage loan, the preferential one, which is issued for the construction of a residential building, has a number of
advantages:

1. Target lending.
2. Reduced interest rate. In some cases, equal to zero.
3. Comprehensive state assistance in debt repayment.
4. Credit holidays.
5. Does not require the provision of certificates confirming the income of the borrower, if he is a client commercial organization.

Since 2006, the concept of “Young Family” has been used in Russia, the age of both spouses should not exceed 35 years. To support this category, the parliamentary sector regularly develops a list of financial preferences. The conditions for granting loans in individual subjects of the Russian Federation may change.

What are construction loans?

Social support is provided to the population by both public and private commercial organizations. They all work on the same program - concessional lending citizens. Funds are allocated purposefully for specific tasks. In this case, it is the construction of a residential building.

However, one must understand that there are differences between state support and a private bank. The following points are considered to be the main ones:

Thus, it is more expedient to receive a preferential loan on the terms offered by the state, since it simultaneously acts as a guarantor and controls the process of subsidizing the population.

Preferential category of citizens

A significant number of citizens can take part in obtaining preferences in order to improve housing conditions or purchase their own housing. There are four approved scale categories that are eligible for special loans.

Large families

One of the extensive federal programs "Housing" in each specific region is implemented through a subprogram. Families with three or more children are considered to be large families. The Government of the Russian Federation provided for them such a social measure of support as the issuance of a subsidy for individual housing construction. Parents with many children have the right to use the funds received under the preference for payment under a work contract or to pay off an existing mortgage loan.

To do this, the applicant will need to collect the main list of papers, which will include:

• identity cards (passport) of all family members;
• birth certificates to confirm the number of children and the degree of relationship;
• a document from social security to confirm the status of a family in need of better housing conditions.

The application is considered within a month. Then, an official response is sent to the large family, in which the amount of the subsidy is determined, if a positive decision was made.

The payout amount depends on several factors:

• regional budget;
• the number of dependents;
• the established norm of the total area for families with three or more children according to the social tenancy agreement;
• availability of own or municipal living space on the day of application;
• market value sq. m of real estate in a specific administrative unit.

A large family has the right to use the funds allocated by the state only to pay off a mortgage loan or pay with them the cost of work on the construction of a building.

Young married couples

The concept of "Young Family" has been put into circulation since 2006, at the same time a federal program of the same name appeared, which allows you to receive state subsidies for the construction of your own housing.

Criteria by which family status is determined:

1. Young people are citizens of the Russian Federation.
2. They are officially married.
3. Their age is less than 35 years.
4. Registered as in need of better living conditions.

A married couple can use the state program to subsidize the population once in their life. In addition, they will have to confirm their solvency by providing a repayment schedule for the mortgage agreement.

Families who can count on support monthly income falls within the following limits:

• childless - 21,620 rubles;
• with 1 dependent - 32,150 rubles;
• with 2 dependents - 43,350 rubles.

In this case, the amount of the subsidy from the value mortgage loan will be:

• 40% - for spouses without children;
• 45% - for families with dependents.

Applications are accepted from January to the end of June. Documents are considered within 15 days. After that, an official response is sent and the applicants are included in the list of program participants. After receiving the letter, the couple must report to the municipality within 30 days to receive the certificate.

It will be possible to cash it out only next year, and then by means of a transfer, first to a bank account, and then to a contractor's account or a mortgage loan.

military personnel

In addition to young and large families, those who serve under a contract have the right to receive a preferential mortgage. The requirements for the military are:

1. Age from 21 - 45 years.
2. The presence of a permanent place of registration at the place of service.
3. There is only a plot of land or a house under construction.
4. A contract for life insurance and a mortgaged property has been drawn up.

For the current 2019, military personnel can use preferential rate on mortgage lending, the size of which is - 10.5%. Until the employee leaves and his contract is in force, the current payments on the loan are made by the state for him.

To draw up an agreement with a bank, it is enough to present a certificate of a participant in the savings and mortgage system.

When a soldier retires to the reserve, he also has the right to receive a soft loan. To do this, he must register no later than six months from the date of completion of the service, and also have a length of service of at least 5 years. This period does not include years. full-time education. The credit institution serves the military in reserve at a rate of 10.5%, with a repayment schedule of up to 20 years. The loan amount can be up to 90% of the total value of the property.

Young professionals

In the outback, far from urban infrastructure, there is a shortage of qualified personnel. The state has included in the motivation program special preferential conditions for graduates of universities and specialized secondary educational institutions that meet the criteria:

• age not older than 35 years;
• ready to move and work in rural areas;
• are registered or are going to be registered in this locality.

Also, a subsidy for the purchase of real estate or construction is issued on the condition that young personnel work in a village or village for at least 5 years. A certificate can be obtained by specialists who have applied for improvement of living conditions or are recognized as needy. It is allowed to spend public money only on the repayment of an existing mortgage loan.

Special conditions are imposed on rural teachers, and, for example, paramedics, narrow specialists and other medical personnel receive a preferential loan for housing under the Zemsky Doctor state program.

Algorithm for obtaining a loan for housing construction

First of all, in order to receive preferential conditions, people need to get on the waiting list, as they need housing or to improve their existing living space. It is not difficult to prove your status if you know the standards established by law. For the current year this is:

When it comes to municipal housing, in the event that each person actually has less than 10 sq.m., then this becomes the basis for placing such citizens on a preferential line.

The process of obtaining a loan under the IHS

After deciding to apply for a loan under the federal program for individual housing construction at a family meeting, you first need to decide on the choice of a commercial organization. The bank should be included in the list of participants and subsidize the population at low mortgage rates. The borrower will be able to provide a complete package of final documentation after contacting the institution. Only bank specialists can say what they need to consider the application.

Do not deceive the lender, if desired, all the ins and outs of the applicant will be clarified. The security service carefully checks the documents and credit history, after which it puts forward the final verdict - give or refuse.

The bank most often makes a positive decision if the borrower provides a firm guarantee of the return of the funds taken on credit. As a weighty argument can be:

• land plot;
• no delays in repayment of previous loans;
• stable and confident income;
• a person who is ready to vouch for the borrower has a stable income and an excellent credit history;
• insurance of the property under which mortgage funds are allocated.

The bank management may vary the interest rate depending on the guarantees provided by the borrower. The more significant they are, the lower the rate.

What documents are required?

The procedure for applying for a soft loan is standard scheme and involves the provision by the applicant of a basic package of official grounds, having considered which, the bank accepts one or other solution:

• passport - certifies the identity of the borrower and confirms other documentation;
• marriage registration certificate;
• insurance pension certificate;
• a copy of the work book;
• certificate of wages in the form 2-NDFL for the last six months;
• birth certificate of children or child;
• a certificate from social security confirming the status of the family.

If the guarantor is the guarantor, then he also provides the credit institution with a passport, TIN, SNILS, income statement, TIN.

Since here we are talking about the issuance of funds for construction, the borrower will have to present to the bank a permit issued by architecture to carry out work, as well as an extract from the USRR for the land plot, an estimate and an official project of the future property.

In addition to these documents, employees of a state commercial organization have the right to request additional papers to make sure that the decision was made correctly.

Terms of provision

In each credit institution subsidized terms and conditions. The leading banks of the country are active participants in the federal program "Housing":

Sberbank of Russia

VTB 24

Rosselkhozbank

Early repayment of a loan

Today return policy credit money has undergone changes. Previously, the borrower paid first
interest on the loan, then the principal debt. The current chart shows that the amount of the monthly payment includes the payment of interest and part of the funds taken on credit. The faster the loan is repaid, the less additional money the bank will receive. Therefore, the latter is not interested in early cancellation loans, but cannot be refused. However this question customers need to clarify on the day of the appeal, since under the terms of the contract with them for early repayment fees may apply.

Attention! In connection with latest changes in legislation, the legal information in this article could be out of date!

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Moscow families are in more favorable conditions compared to other regions, since they can count on additional preferences from the regional authorities. In this article, we will consider the conditions under which mortgages are offered to large families in Moscow in 2019, and highlight the main points.

Since 2005, large families have the opportunity to get into. federal program"Affordable Housing for the Citizens of Russia" established the following requirements for potential participants and the conditions for obtaining a loan:

• housing subsidy cannot exceed 35% of the total cost of housing;
• the subsidy must be credited to the account of a banking institution, where a loan will be taken in the future, on a monthly basis;
• in the event of the birth of another child after the mortgage is issued, the family receives a discount of 18% of the total cost of the loan;
• the state pays for the purchase of 30 sq. meters of housing, and in the future this area is not subject to lending.

The family has the right to apply to pay the existing debt. As already noted, assistance is allocated in strict order of priority, so it is important to contact the authorized body as soon as possible with an appropriate application.

What interest rates are provided for large families

Mortgage lending for families with more than three children provides for a loan at low interest rates and partial reimbursement of the loan by the state.

Preferential obtaining a loan has practically no differences from obtaining a regular one. home loan However, this option is more profitable for a large family. For example, in AHML mortgage it will be possible to issue at 6.15% per annum, provided that the apartment is in a new building, and if the dwelling belongs to the secondary category, the rate will be already 11%.

Other banking institutions also offer such customers favorable rates. Typically, the reduction occurs by 1-2% or more than the percentages set for all other borrowers.

Grounds for obtaining a mortgage by a large family in Moscow

For the state provides citizens included in this category, certain preferences when applying for a mortgage. State aid is a low interest rate and subsequent compensation payments. Subsidies are given only if there are certain grounds:

• if there are three or more minor children in the family;
• provided that the family is registered as needing;
• the area of ​​​​the apartment or house is insufficient for permanent residence all family members.

In the last paragraph, the defining parameter is the standards that are established by a particular region regarding the footage per citizen. In Moscow, this figure is 18 square meters. meters.

Conditions for obtaining a mortgage for large families in Moscow

There are several state programs in the capital region that are aimed at improving the living conditions of families with children. In one of the projects, families can purchase apartments from the municipal fund with a small initial payment and at a low interest rate.

Let us consider in more detail what conditions are offered to such families in the capital and what may be required to obtain a mortgage loan. The following points can be noted as the main conditions for lending:

• the interest rate on the loan is 10%;
• housing may be located in a new building or belong to a group of secondary real estate;
• the maximum loan term is 30 years;
• the initial payment is 10% of the final cost of housing;
• the mother of the child must pay the initial amount with the help of maternity capital;
• after the birth of a child in the family, Moscow banks provide the family with a three-year deferral of payment.

To take advantage of preferential lending terms, a family representative must collect and submit the following documents:

1. Applicant's passport.
2. Certificate confirming the fact of registration of the family as a large family.
3. Spouses' employment records.
4. Information about wages.
5. The act of concluding a marriage union.
6. Birth certificates for all children in the family.

After submitting the documentation, the bank employee checks it within the allotted time. Based on the results of the audit, a decision is made regarding the granting of a loan or refusal to lend. At the final stage, the applicant gets the opportunity to purchase an apartment.

Conclusion

Moscow families with the status of large families can count on receiving a preferential mortgage loan with a subsequent one. The procedure for obtaining such assistance is specified in regional legislative acts. Preferential mortgages offer low interest rates and a small down payment.

The housing problem arises before the majority of families in our country.

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But it is especially acute for large families, as they often have to think about improving their own living conditions. Therefore, many decide to take out a mortgage.

Which family is considered large

According to the current legislation, the regional authorities are given the authority to determine the number of children in a single family, which can be classified as having many children. It is important that this takes into account both national and cultural characteristics in a particular region.

In most Russian regions, only those parents who are raising at least three children are recognized as having many children.

But there are regions where these families do not have many children. There, the number of children in a large family should be large. For example, in Ingushetia, in order to be recognized as having many children, parents must raise at least five children.

Home loan programs for large families

In general, legislation in relation to large families is not sufficiently developed. Exists . It spells out the possibility of obtaining a mortgage loan for parents with many children state support.

But most banks consider having three children as an aggravating factor. They are guided by the fact that a large number of minor children increases the burden on the income of the borrower. As a result, the solvency of the family is reduced, and free funds there isn't much left.

There are several programs that allow solving the issue of housing for large families:

1. social mortgage.
2. Housing for a Russian family.
3. State housing subsidy.

Social mortgage is a tool that is provided on preferential terms. It allows you to purchase own apartment or a house on the primary or secondary market. It also makes it possible to change the bank with an existing mortgage.

It is important that you can apply for the following basic requirements:

• the possibility of making a first contribution of maternity capital to pay;
• down payment of at least 10%;
• repayment period from 10 to 30 years;
• amount of mortgage funds from 300 thousand rubles;
• rate from 10.06 to 11.1%.

A preferential loan for large families, implemented under this program, allows you to reduce the amount of the monthly payment in different periods of the mortgage. You can also reduce your down payment.

There is a program that reduces the amount of payments after the birth of a subsequent child and until the child reaches the age of two. The period for providing funds varies depending on the order in which the subsidy is received and the amount of money available for implementation in the budget for this program.

A subsidy can be issued under the Young Family program if one or both parents are under 35 years old.

As for the program "Housing for a Russian family", it is provided with state support. It was specially developed for privileged categories of citizens. The main goal of this program is the construction and sale of economy-class housing for citizens belonging to the preferential category.

At the same time, the price is set below the market value by 20%. Together with other preferential categories, large families can also take advantage of this program.

Note! per cent credit rate the chosen insurance option and the size of the down payment affect.

A housing subsidy from the state is a gratuitous provision of funds to those people who need to improve their existing living conditions. Money is paid not only from the federal, but also from the regional budgets.

The subsidy can be used not only for the purchase of housing that is still under construction or ready. It can be used to pay off mortgage interest already paid or for a down payment.

To receive a subsidy, you must not have enough footage for each person.

In doing so, it should be taken into account that minimum level The provision of housing in each region is set independently.

Note! Young families are provided with a subsidy, bypassing the main queue.

Loan features

Major banks and regional governments have developed programs that improve living conditions. Among the banks that provide the opportunity to use such programs, VTB 24 and Sberbank are distinguished. But each region has its own banks in this direction.

Such a loan scheme is designed for a longer period than a conventional mortgage. A standard mortgage is designed for 25 years, while under this program, funds can be obtained up to 30, and in some cases up to 35 years.

As for the interest rate, compared to standard programs it is reduced by 1-2%.

An obstacle for many families with many children is the down payment. For this reason, especially for them, it is reduced to 10%. In some cases, the down payment is completely cancelled.

To get a loan under these conditions, you will have to submit not only the usual package of documents. Documents confirming the status of a large family will also be required.

Note! In many regions, part of the interest is reimbursed. Money for this is directed from the regional budget.

Interest rates

Many are interested in whether the percentage of a mortgage loan for a large family is decreasing? At the moment, in Russia, you can get a preferential mortgage under several schemes. They are determined by banks that have relevant offers.

Usually there is approximately the same tariff plan, which is called "Large Family". Sberbank was the first to offer it on the market. Other banks have similar programs, such as the Bank of Moscow, VTB 24, Gazprombank and some others.

Important! This program designed for those who are planning to purchase their first home. In some cases, we can talk about lowering the rate to 6% per annum.

If you are going to buy a second home, the rate is set at 11%. As for the repayment period, it is often set to the maximum.

Mortgage loan for large families in Sberbank

Starting in 2019, even families with an average income per person can get a mortgage. This was facilitated by the innovation of Sberbank, which makes it possible to involve the next of kin when calculating the total family income.

You can also apply for a loan to large families in Sberbank to build a house, which is the best solution for those who have many children. Sberbank makes it possible to attract up to three co-borrowers.

In this case, the spouses become automatic co-borrowers of each other. And it does not depend on the level of solvency and age.

Sberbank sets the following requirements for obtaining a mortgage on favorable terms:

• maturity up to 30 years;
• down payment of at least 20%;
• the average rate is 11.4% per annum, which can be reduced in some cases;
• a 3-year delay at the birth of the next child;
• provision of mortgages in rubles;
• no additional fees.

In Sberbank it is possible. This is convenient for those families who plan to use it to purchase housing.

Which banks to contact

A mortgage for a large family can be issued not only at Sberbank. If for some reason it does not suit you, you have the opportunity to contact another bank.

Table. Loan programs for large families in different banks.

The main requirements for obtaining a mortgage include the following:

• Russian citizenship;
• permanent registration in the region where the bank is located;
• official employment;
• a permanent and stable source of income;
• compliance with the age of 21 to 65 years.

For registration, you will have to not only prepare standard documents. Borrowers will also need . Some banks ask for other documents of their choice.

Making, step by step

Many consider the system for obtaining a mortgage for a large family difficult. But in practice, it does not take much time, if you approach it correctly. Better get it all Required documents in advance.

Among them are the following:

• a copy of the marriage certificate;
• birth certificates for all children, if they have not yet reached the age of 18;
• a copy of the passports of both spouses;
• certificates of parents indicating the number of children;
• confirmation of the solvency of the family, which is provided in the form of certificates from the place of work;
• copies of work books;
• a copy of the spouse's military ID or registration certificate, if there is a deferral; ;
• copies of state insurance certificates pension fund parents;
• documents on the education of spouses.

If the income of one of the spouses is low, the income of the whole family is considered. In most cases, the income of the parents of the spouses is taken into account, which allows you to increase the amount of funds offered by the bank. When the entire package of documents is fully collected, it is important to contact the bank that suits you.

Here you will be asked to complete the following documents:

1. Application registration form required to receive funds.
2. Questionnaire, which is also called the declaration of the borrower.
3. Consent to the possibility of processing your personal data.
4. Consent to receive information from credit bureaus.

After being accepted full package documents, bank employees will consider the application. As a rule, it takes from 3 to 10 days.

In some cases, a longer period is possible. During this time, a bank employee will analyze the package of documents and may contact you to clarify some information.

Note! Bank representatives decide on the approval of the application based on the submitted documents. Therefore, the most complete list should be provided.

if you have additional education Please attach the relevant certificates. This will indicate that in case of problems with salary you can easily find a new job or part-time job.

It is better if you apply to several banks at the same time. This will significantly reduce your time if you get a refusal at the first bank. After approval, the specialist will offer you to come for the subsequent execution of the contract and other necessary documents.

At the bank branch, you will be given an agreement and a payment schedule. When all the above documents are signed, money is transferred to the account of the developer or property owner. This is done on the basis of the main or preliminary contract to buy an apartment with a developer.

It's important to keep these payments in mind, as failure to pay them can result in an increase in your annual mortgage rate.

After transferring the money, you will only have to take out insurance against the risk of non-payment. As a rule, the bank provides a list of insurance companies. You will have to pay annually small amounts for life and health insurance.

Pros and cons of such loans

These loans have their advantages and disadvantages.

There are benefits such as:

1. Reduced interest rates. At the same time, the rate is determined not only by the position of a particular bank, but also by the characteristics of the acquired property. The rate for primary housing is lower and is about 6-8% per annum. The rate for secondary housing is higher by 3-4% and is at least 11%.
2. Repayment of part of interest by state bodies.
3. The length of the repayment period.
4. The possibility of making maternity capital as a payment of the first installment, the main part of the loan or interest.
5. The first installment is not less than 10%.

As for the shortcomings, individual banks can determine their conditions for providing funds. A particularly noticeable drawback is the rather high down payment, which can be at least 30%. In this case, you just need to choose financial institution with suitable loan terms.