Family mortgage terms. Rules for state support of mortgages for families with children have been approved. What is a family mortgage with state support?

Children's mortgage what is today's nickname? mortgage for young families- This special mortgage program for families with two or three children, in which the government pays the lending institution the difference between the actual mortgage rate and 6%.

Children's mortgage. Who is eligible to participate in the mortgage program for young families

Who can NOT participate in the mortgage program

• Parents who do not have Russian citizenship
• Citizen of the Russian Federation, whose spouse (parent of the child) is not a citizen of the Russian Federation

Categories of borrowers eligible for the child (family) mortgage program

• Citizens of the Russian Federation who are married, at the birth of their second and (or) third child who has Russian citizenship.

The spouse must be included in the number of co-borrowers. The spouse of the title co-borrower is not included in the list of co-borrowers only if there is a marriage contract establishing a regime of separate ownership of the property of the spouses;

• A citizen of the Russian Federation who is not in a registered marriage, at the birth of a second and/or third child who has Russian citizenship.

The loan can be received by one of the parents; there is no requirement to include the second parent among the co-borrowers. A joint loan for such parents can be obtained by choosing the parent of the second and/or third child as the title borrower.

Here, these conditions can probably be interpreted as meaning that you may not be in a registered marriage, but parental rights must be registered.

• A single mother can get a loan if she meets the bank’s requirements, including solvency.

Requirements of the child (family) mortgage program for the borrower

If you fit into one of the above categories, this means that your chances are high, but in order to get a child (family) mortgage at 6% you also need to meet the following requirements:

• the age of the borrower is from 21 to 65 years (at the time of the last loan payment);
• The borrower's length of service at his last place of work was at least 6 months;
• for individual entrepreneurs - break-even business activity for at least 24 previous months;
• the birth of a second or third child between January 1, 2018 and December 31, 2022.

Yes, unfortunately, if you had a second child in the last days of 2017, then you are not eligible for this program. But those who took out a mortgage in 2017 and had a second or third child in 2018 have the right restructure the mortgage under the terms of the child (family) mortgage program.

Conditions of a child (family) mortgage

And now the most interesting thing that we left for you for dessert!

Contrary to the prevailing misconception of many, the 6% rate will not accompany your mortgage for the entire term, but only for a small part of it. Further details!

On terms of the child (family) mortgage program at a rate of 6%, the state undertakes to pay the bank the difference in rate between 6% and the bank's actual rate for periods

• 3 years, at the birth of the second child;
• 5 years, at the birth of the third child or twins (second and third).
• 8 years in total if, within five years from 2018 to 2022, you have both a second and third child.

At the end of this period, the rate will be recalculated depending on the actual bank rate at the end of the period or in accordance with the terms of the loan agreement. Read it carefully!

Other conditions of the mortgage program

• The loan term under the mortgage program is from 3 to 30 years.
• Down payment - from 20% of the cost of housing; funds from Maternity (family) capital can also be used as a down payment.
• The package of documents required to be submitted to the bank is standard, plus the original birth certificates of all children.

At the same time, if the children’s birth certificate does not contain information about their citizenship of the Russian Federation, the simultaneous provision of another document confirming that all children have citizenship of the Russian Federation is required.

• Mandatory life and health insurance of the borrower, as well as the purchased housing. There is one little trick here! We will tell you about it in our next publication.
• In the application form, you must indicate “State support” or “GPS”. This note must be placed in the upper right corner of the first page of the application form.
• The lower limit on the loan amount is 500,000 rubles, the upper limit is 3,000,000 rubles. For Moscow and the Moscow region, St. Petersburg and the Leningrad region - 8,000,000 rubles at the location of the object, and not at the place where the loan was issued.
• Other bank shares to reduce the mortgage rate cannot be combined with the program.
• Payment of the down payment by third parties is not allowed.
• Maternity capital can be used as a down payment, and it can also be used to pay off a loan.

And here is another point to the loophole that we mentioned above

• A loan under the state program can be obtained if you have children from different parents.
• When receiving a preferential loan, you pledge the purchased apartment or your rights as a participant in shared construction to the bank as collateral.

What types of housing is the child (family) mortgage program designed for?

Children's mortgage at 6% calculated for the purchase of housing in new buildings- apartments, houses, town houses from legal entity or to participate in shared housing construction. That is, if you decide, you will not be able to get a 6% rate.

In this case, the developer needs to clarify the following points:

• construction must be carried out in accordance with the law on shared construction 214-FZ;
• construction can be at any stage - from foundation pit to finishing;
• the construction project must be accredited by the Housing Mortgage Lending Agency.

Submit your application

Select property

Complete the deal

VTB Bank issues preferential mortgage loans within the framework of Decree of the Government of the Russian Federation dated December 30, 2017 No. 1711.

If another child is born in your family after 01/01/2018, and you and the child have Russian citizenship, then purchasing an apartment with a mortgage on the primary market is available to you at a preferential rate.

The rate is partially subsidized from the federal budget.

1. Submit your application

   Apply for a mortgage. Our employee will contact you, make a calculation, provide advice and make an appointment at one of the mortgage centers at a time convenient for you.

   Residential premises must be purchased only from a legal entity (with the exception of an investment fund, including its management company):

   • under an agreement on shared participation in shared construction (an agreement on the assignment of rights of claim under the said agreement),
   • or under a purchase and sale agreement (first sale).

2. Select property

   We have already accredited thousands of new buildings so that you can choose the most suitable apartment. If you are interested in an object that is not accredited by the bank, please inform the manager and we will check it.

   Insurance against the risk of loss and damage to the purchased apartment is mandatory after registration of ownership. Personal insurance of the borrower is not required (in the absence of personal insurance, the rate increases by 1 percentage point).

3. Complete the deal

   Sign an agreement with the developer and a loan agreement with the bank, as well as an insurance agreement. The bank will transfer the money to the developer.

   After completion of construction, you will be able to register ownership of the completed object. Simultaneously with the registration of property rights, a mortgage will be registered in favor of the bank until the loan debt is fully repaid.

Interest rates and mortgage terms with state support

• Rate - 5%;
• Personal and property insurance;
• Loan term: from 1 year to 30 years.

Amount of credit:
• for residential premises located in Moscow - from 1.5 million to 12 million rubles;
• for residential premises located in the Moscow region, St. Petersburg - from 1 million to 12 million rubles;
• for residential premises located in the Leningrad region. — from 500 thousand to 12 million rubles;
• for residential premises located in other regions - from 500-600 thousand (depending on the region) to 6 million rubles.

An initial fee:
from 20% of the value of the purchased property

Purchased property:
• residential premises sold by a legal entity (except for an investment fund, including its management company) under an agreement:
  • shared participation in shared construction (agreement on the assignment of rights of claim under the specified agreement);
  • purchases and sales (first sale).
• for the Far Eastern Federal District, the loan is provided for purchases on the secondary market from individuals. persons or legal entities persons of ready-made residential premises or ready-made residential premises with a land plot, located in rural settlements.

To the Borrower

• It is not necessary to have permanent registration in the region in which the client applies for a loan.
• Various forms of income confirmation are considered (certificates in form 2-NDFL and in bank form).
• It is possible to take into account the total income of up to 4 co-borrowers.
• It is possible to record income both from your main place of work and from a part-time job.

Buying your own property is only available to a minority of the population due to its high cost.

Mortgage lending is the only chance for many to purchase their own home.

However, not everyone can afford a mortgage due to investing a large amount of money and paying rather large monthly payments.

The government came to the aid of citizens in this matter by creating a special program “Family Mortgage with State Support.”

What is a family mortgage

Family mortgage with the state. support is one of the special types of housing loans created for families who want to become owners of a real estate property from the primary market from the developer by signing a share participation agreement or a purchase and sale agreement.

The main criterion for participation in the state program is that the family must adopt or give birth to a second or third child from January 1, 2018 to December 31, 2022.

Receiving a 6% mortgage subsidy is possible only if you sign a loan agreement with the bank no earlier than January 1, 2018.

If this happened before this date, then the borrower will be required to go through the refinancing procedure.

The essence of the benefit is that the mortgage borrower pays only a 6% interest rate, and the rest is reimbursed to the bank by the state. But this is not the entire duration of the loan:

1. 36 months – if a second baby is born (adopted).
2. 60 months – if the third baby is born (adopted).

If a family uses a preferential interest rate on the occasion of the birth of a second child and another child is born before the expiration of its validity period, then the subsidy increases for another 5 years. This will be a total of 8 years.

Terms of issue

According to the rules established by the Government of the Russian Federation, family mortgages with state support are provided in 2018 on the following conditions:

1. You can only buy a finished apartment or residential premises under construction on the primary real estate market.
2. The family mortgage must be obtained from AHML (Home Mortgage Lending Agency) or another banking organization that has agreed to participate in the state program no earlier than January 1, 2018 with an annuity payment schedule.
3. The smallest loan amount is 300 thousand rubles, the largest amount for the Moscow and St. Petersburg regions is 8 million rubles, and for all other regions of the country – 3 million rubles.
4. The minimum down payment is 20% of the total cost of the mortgage.
5. It is imperative to protect the purchased property, as well as the life and health of the main borrower, with insurance.
6. For previously obtained mortgages, refinancing at a preferential interest rate is possible only if more than 6 months have passed since the signing of the previous loan agreement.
7. The loan is issued for a period of 3 to 30 years.

To repay the principal debt or down payment on a family mortgage, it is allowed to use the money allocated under the maternity capital certificate.

The process of obtaining a family mortgage with government support

To take advantage of a family mortgage with state support, you must first choose a bank.

The full list of participants in the state program is presented on the Ministry of Finance website. It includes AHML, Sberbank, Gazprombank, Russian Capital, VTB, Vozrozhdenie, etc.

Further actions after choosing a lender are as follows:

1. Contact the bank for advice and fill out a form.
2. Transfer of necessary documentation to credit inspectors.
3. When an application is approved, search for suitable properties to purchase within the range of the amount that the lender is willing to lend.
4. Transfer of documentation for the selected property.
5. Conclusion of a loan agreement.
6. Reflection of the completed transaction in Rosreestr.

Requirements for potential borrowers

Participation in the Family Mortgage program is available to citizens who meet the following requirements:

1. Both parents have citizenship of the Russian Federation.
2. The minimum age limit is 21 years, and the maximum is 65 years on the date of full payment of the debt.
3. Work experience over the past 5 years is from 1 year, and at the current place of employment - from 6 months.
4. High level of solvency.
5. Positive credit history.

The spouse of the main borrower must also meet the requirements listed above, since they automatically become co-borrowers under the agreement (in total, a maximum of 4 people can be involved).

Russians apply for preferential mortgages without even reading the terms of the program. Having heard the word “preferential”, many decide that we are talking almost about installment plans for everyone. If they meet the conditions of the state and banks, they will be very surprised to learn that compensation from the budget is designed for only a few years, and not for the entire loan line.

CIAN talked with regional realtors and compiled a rating of the most common myths about preferential mortgages.

1. Preferential mortgages are available to young families

State support for obtaining a loan is not available to all young people and not only others. It applies to all families with two or more children. Moreover, the youngest child must be born no earlier than January 1, 2018. And parents must only be citizens of Russia.

2. The government does not limit the size of the loan (because it is rich)

The loan limit under the program is limited. In Moscow, St. Petersburg, the Moscow region and the Leningrad region, it can vary up to 8 million rubles. In other regions of Russia - up to 3 million rubles. That is, you can buy an apartment for 30 million rubles, but the down payment must be at least 27 or 22 million, depending on the region.

3. Down payment doesn't matter

The size of the minimum contribution is specified precisely - from 20%. Thus, those who want to use maternity capital as a down payment can count on an apartment that costs no more than 2 million 200 thousand rubles.

4. 6% for the entire loan term

Resolution No. 339 dated March 28, 2019 approved that the subsidy period applies to the entire term of the loan at the rate of 6% per annum.

Before this resolution, the rule was in force: upon the birth of a second child, the six percent rate is valid for no more than three years, if the third is born - for five years. In the case of a second and third birth, the family can receive eight years at a reduced rate.

5. The program subsidizes mortgages on the secondary housing market

Preferential mortgages are issued exclusively for new houses and apartments. Including if a shared construction agreement is drawn up. The secondary market is excluded in this scheme.

6. Refinancing is possible for any residential property

Refinancing a mortgage at a preferential 6% is only possible if the loan is issued for a new home and purchased from a company. It is useless to contact DOM.RF with an application to change the terms of the loan, even if the apartment was purchased in a new building, but its first owner was an individual and not a legal entity. If the apartment was purchased from a real estate agency, developer or other legal entity, then refinancing is possible.

7. The preferential program can only be used once

The government does not limit the number of mortgage contracts that can be issued to one family at a six percent rate. The main thing is that applicants are solvent and meet the conditions for such loans. Therefore, if a family managed to quickly pay off the first loan, it can apply for a second and even a third.

8. A loan at 6% can be obtained from any bank

The state has approved a certain list of banks participating in the state support program for mortgage lending in 2018, where you can get a preferential mortgage. To get acquainted with it, you need to go to the DOM.RF website.

9. Family income doesn’t matter.

Despite the fact that the preferential lending program itself states that there is no need to confirm family income, banks always check the solvency of applicants. Therefore, you should not count on “lenience” or the “obligation” of banks not to pay attention to the size of salaries. It often happens that, having received approval at the first stage, applicants end up receiving a refusal from the bank or an offer to receive a smaller amount. The reason is insufficient financial security.

10. Benefits can also be obtained with a foreign currency loan

Loans are given in rubles, so those who want to play on exchange rates will be refused. As it turned out, there are many Russians who believe that the prices of the world’s leading currencies will soon fall, and want to receive a preferential loan for housing in dollars, euros and even yen and Swiss francs. Such “dealers” will be disappointed, because the program is designed only for ruble loans.

"But starting in January, it was worked out and prepared for implementation with banks. And now - February 9, 2017, we are pleased to inform you that you can take advantage of this mortgage with state support for families with children at a rate of 6%. Well, now let's get into detail Let’s look at who this mortgage lending program is aimed at.

Sberbank began issuing mortgages at 6% for families with children

Mortgage with state support for families with children suitable for families (spouses must be citizens of the Russian Federation) who had a second or third child between January 1, 2018 and December 31, 2022.

Mortgage conditions for families with children with state support at a reduced rate

Amount of credit

• up to 8,000,000 ₽ - when purchasing housing in Moscow and the Moscow region, St. Petersburg and the Leningrad region.
• up to 3,000,000 ₽ when purchasing housing in other regions.

As part of the program, you can purchase residential real estate on the primary market from a legal entity, both at the construction stage, and finished housing from the developer.

An initial fee

The down payment on the mortgage is 20% of the cost of the future home

Special conditions

Mandatory life insurance in Sberbank Insurance LLC or in other companies accredited by Sberbank PJSC (insurance is required for the entire term of the loan).

It is necessary to provide birth certificates for all children, as well as confirmation of the Russian citizenship of the second and third child after January 1, 2018.

Interest rates under the program

Preferential rate 6% valid for the first 3 years of loans for families who have had a second child, or the first 5 years in the case of the birth of a third child. After the expiration of the discounted rate interest rate is set at 9.5% .

The validity period of the preferential rate can be extended in the event of the birth of a third child after the issuance of a loan under the “Mortgage with state support for families with children” program upon the birth of the second child.

How to apply for a mortgage with state support

• We calculate the loan using the calculator at the bottom of this page
• Submit your application online
• Choosing an apartment in a new building
• We make a deal

Requirements for borrowers

*Over 21 years of age, provided that the loan repayment period under the agreement occurs before the Borrower/eldest co-borrower turns 75 years old
** This requirement does not apply to clients receiving salaries into an account with Sberbank.
*** In order to increase the maximum loan size, inclusion in the composition of Co-borrowers is allowed if the requirements for the Borrower are met, incl. by age and solvency (with the exception of mandatory compliance with the requirement for the birth of a second and (or) third child).

Mortgage lending conditions with state support at 6%

Loan application review period

Within 2 - 5 working days from the date of provision of the full package of documents.

Partial or full early repayment of the loan

It is carried out upon an application containing the date of early repayment, the amount and the account from which funds will be transferred. The early repayment date indicated in the application must fall exclusively on a business day.
The minimum amount of an early repayable loan is unlimited.
There is no early repayment fee.

Additional features

As part of the purchase of a new home, you can receive a tax deduction.

Tax deduction

The tax deduction applies to the amount of interest paid on the target mortgage loan. The amount of deduction is 13% of all interest paid. The amount of property tax deduction provided for the purchase of an apartment, residential building, room (or share) has been increased from 1 million to 2 million rubles*. Thus, now, when purchasing an apartment, you can reimburse the amount of tax in the amount of up to 260,000 rubles.

Now let's summarize all of the above.

Conclusion

The essence of the mortgage program with state support for families with children is to reduce the interest rate to 6% on the mortgage for 3 years at the birth of the 2nd child and for 5 years at the birth of the third child in the family. After this grace period, the interest rate on the loan will be 9.5%. Therefore, it’s up to you to decide whether to take this loan for housing or look for housing in installments from the developer. The limits on this mortgage offer, of course, could have been a little higher for regions other than St. Petersburg and Moscow.

Important! Restrictions on the mortgage program with state support apply only to the amount of the loan provided, but not to the cost of housing! That is, you can use this program to buy an apartment in a new building, for example, for 5 million rubles, provided that you have 2 million set aside and take out 3 million rubles for a mortgage from Sberbank. Well, don’t forget about the initial mortgage payment of 20%.

Firstly, you need to understand that we are talking about the primary housing market. On average, good turnkey housing in a city with a population of half a million costs about 3-something million. That is, in fact, for a good two-room apartment in a new house, you may simply not have enough of some 100 - 300 thousand rubles, but if you have three children, then you will absolutely need a three-room apartment and then you will certainly not meet the the specified amount up to 3 million rubles. Therefore, if you do not meet the cost of the desired property, then at the time of taking out a loan you should have some decent amount set aside for the down payment on the loan.

Mortgage calculator - program with government subsidies for families with 2 and 3 children

Sberbank issued the first five mortgage loans at a rate of 6%

The first five mortgage loans, as part of the preferential lending program to support families with children, were issued by Sberbank of Russia, Kommersant writes. According to a bank representative, the rate on these loans is 6%, which is unique for Russia and can become a significant support for the population, as well as increase the growth of mortgage lending in the Russian Federation. (as of February 9, 2017)

What do you think about the new mortgage program with government support? Your opinion is important to us. Leave your wishes or questions about this mortgage program in the comments to this article.