What is social credit? Social mortgage for the poor, state employees and young families: procedure for registration, conditions for receiving Social mortgage who can get it

For a large number of people in the CIS countries, the issue of having their own housing is quite acute and open. It does not always happen that a person has his own apartment.

In such cases, a mortgage loan for a home can become a kind of lifesaver, allowing you to purchase your own living space if the entire amount of money required for its purchase is not available.

Over the past ten to fifteen years in the CIS countries, purchasing apartments through a mortgage has become quite common and quite commonplace.

A mortgage provides a cash loan for the purchase of an apartment secured by the apartment itself. According to the agreement, the borrower agrees to make a down payment (usually a third of the cost of housing).

The balance of the share is paid regulated in the amount of the established interest rate. To complete it, you must provide the bank with a number of necessary documents.

These include documents identifying the borrower and confirmation of his official employment. Depending on the situation, the bank may ask for additional documents and certificates.

Today there are a huge number of banks that issue mortgage loans for housing.

In order to facilitate the process of purchasing their own home, Russian banks provide the population with a number of mortgage programs that imply more favorable conditions for debt repayment. Such programs include the social mortgage program.

Social mortgage is a mortgage program that allows you to purchase residential property at a more affordable price on very favorable terms.

This mortgage is provided to certain categories of residents of the Russian Federation and consists of close cooperation between banking organizations and government agencies.

The program consists of reducing the cost of purchased housing using public funds. The total cost of the apartment can be reduced by 4 or more times.

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Social mortgage may be based on one of the following principles:

• Providing a mortgage for real estate with a reduced interest rate on monthly debt payments. The percentage reduction is due to government subsidies. A smaller and more convenient payment schedule makes the mortgage repayment process more comfortable.

• State subsidies for the payment of part of the cost of housing, which the state pays to the bank. This subsidy also includes part of the interest rate. This form of social mortgage is provided, as a rule, to low-income segments of the population, such as employees of budgetary organizations: teachers, doctors, scientific and cultural workers.

• It is possible to sell secondary apartments with a mortgage at low prices.

There are many types of social mortgage programs designed for different segments of the population, depending on their type of activity and financial situation.

Who is entitled to a social mortgage?

Social mortgage lending exists to facilitate the purchase of a home through benefits that are paid from public funds. Not everyone can count on these benefits.

According to current Russian legislation, people who need to improve their living conditions apply for a social mortgage if their current living conditions are worse than the standards stated by law.

In order to understand whether you can count on a social mortgage, you need to contact local government representatives in order to provide all the information necessary on this issue.

First of all, a person needs to confirm the fact that he needs to improve his living conditions. Those in need include people who do not have their own housing, people whose living space is less than the required 18 square meters per person.

Representatives of budgetary organizations, large families, military personnel, government employees, and people on a waiting list for housing can count on a social mortgage.

It is necessary to have Russian citizenship, registration, and work experience.

There is a list of nuances associated with obtaining the opportunity to obtain a social mortgage:

Do they provide social mortgages in Moscow?

In Moscow, persons eligible to participate in this program can apply for a social mortgage to absolutely any bank.

The lending conditions provided by the capital's banks are very favorable and accessible to representatives of many segments of the population.

The cost of housing in Moscow, according to the terms of social mortgage lending, is reduced from the market price to an amount equal to the cost of the apartment, which makes living space several times cheaper.

Bank conditions

Social mortgages are issued by banking organizations that approve the issuance of mortgage loans for housing to certain individuals.

If the bank’s decision is positive, the mortgage can be provided on the following conditions:

1. loan repayment period up to 30 years;
2. the average interest rate is 12.2% of the cost of housing;
3. for mortgage loan payments varies from 10 to 30 percent of the total cost of the purchased apartment.

The bank offers its own conditions, in many cases they are individual and depend on a number of factors (the financial and social situation of the borrower, the number of children in the family).

Requirements for borrowers

To receive a social mortgage, a program participant is required to meet a number of requirements. Moscow's social mortgage program assumes that the borrower is in the queue for housing.

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Doctors

Social mortgage for doctors implies a number of requirements for medical workers.

These requirements are as follows:

• the need for a medical education diploma;
• the doctor’s age should not exceed 35 years;
• At least one year of work experience in medicine;
• the health worker must need improved living conditions (live in a rented apartment, in an apartment where each family member has less than the required 18 sq. m);
• the need to work for at least five years in medicine in the future.

Teachers

Mortgages provided to young teachers require that they meet certain criteria. The teacher should not be older than thirty years.

A necessary condition for granting a state subsidy is a diploma, confirming teacher qualifications.

An important criterion for the provision of benefits is the fact that the teacher is provided with a mortgage loan for housing.

Work experience must be at least three years.

An important nuance is that to be able to receive a mortgage subsidy, a young teacher must work in a public educational institution.

Scientists

The procedure for providing benefits for the payment of mortgage debt for housing for young scientists is determined by the current legislation of the Russian Federation.

Yes, benefits eligible for candidates of science not older than 35 years, doctors are not older than 40 years. In general, work experience in a scientific institution of the Russian Academy of Sciences must be at least five years.

A young scientist should receive the status of someone in need of improved quality of living conditions.

Which Moscow banks offer the program?

The program operates in all major banks in the capital.

The conditions for issuing a mortgage and the requirements for those wishing to acquire their own apartment vary depending on the banking organization.

The leaders in the country's financial market include the following banks:

1. Sberbank;
2. VTB 24;
3. Raiffeisenbank;
4. Gazprombank;
5. Svyaz-Bank.

This is important to know:

Sberbank

This bank provides its clients with mortgages on very favorable terms. Sberbank has a social mortgage program for budget employees and members of law enforcement agencies, and young families.

The interest rate on the balance of the debt depends on the length of service, length of service, financial situation of the borrower and varies from 10 to 13.5 percent. The amount of the down payment is from 10%. The payment period is up to 30 years.

There are also some requirements for housing.

The apartment must be in satisfactory condition (deterioration of communications by no more than 50%), and the house must not be in emergency condition.

VTB 24

VTB 24 Bank provides social mortgage lending for various segments of the population who are entitled to benefits for the purchase of housing, offering borrowers a lot of programs:

• for the military;
• purchasing a new home;
• issuing loans for an existing apartment;
• for young families and many others.

Interest rate on average is 10%-12%. Down payment – ​​from 10%.

There is a system of reducing the interest rate in accordance with the increase in the area of ​​the apartment.

Raiffeisenbank

This bank has a lot of advantages in issuing social mortgage loans. The interest rate does not depend on changes in the ruble exchange rate.

Loyal system for approving mortgage applications. A fairly fast decision-making process on applications from potential borrowers.

Gazprombank

Provides a loan for an apartment on the following conditions:

1. the minimum monthly interest rate is 11.75%
2. the first payment is equal to a fifth of the cost of the apartment (20%)
3. the amount provided by the bank cannot exceed eight million rubles
4. The loan is issued for 10 years.

Svyaz-bank

Svyaz-Bank clients are also provided with social mortgage lending programs on very favorable terms.

Svyaz Bank provides mortgages for both finished housing and housing in a new building.

The minimum interest rate on a mortgage is from 9.5%, there is a credit limit of up to 30 million rubles, and the loan term is up to 30 years.

How to participate in the program?

If you want to take part in this program in the city of Moscow, the first thing you need to do is go straight to the administration and get a list of documents required when registering the status of a person in need of improved housing conditions.

Procedure for purchasing housing in Moscow using a social mortgage

No less important is being on the waiting list for an apartment.

Having the right to provide benefits contributes to obtaining a social mortgage, helping to fulfill the dream of owning your own home.

Video from an expert

Modern housing is very expensive. Most people in our country cannot afford it. In Soviet times, the state built it at its own expense and simply distributed it to its citizens. In the nineties, with the collapse of the country, the previous housing system collapsed.

But the problem remains. Some Russians have recently become significantly richer and have begun to build luxury apartments. However, the remaining residents became even more impoverished compared to the Soviet era and were unable to solve their housing problems even on a minimal scale.

New government measures were needed to reduce tensions in the housing sector. In modern conditions, a solution has been found in social mortgages. So what are the terms of a social mortgage these days?

Social mortgage

Social mortgage is state support for certain preferential social categories of Russian residents. The conditions for receiving a social mortgage are that beneficiaries receive a loan of money to purchase their own home. A mortgage is a unique form of collateral for residential real estate (future or existing for the borrower) for the purchase of a loan. The issues of purchasing social mortgages and establishing a loan program are specified by regional authorities.

Social assistance is issued in the form of:

1. Covering the costs of part of the cost of an apartment purchased with a mortgage.
2. Purchasing housing from the state at a low interest rate.
3. Compensation for part of the interest on the mortgage loan.

Target

The goal of modern social mortgage lending programs operating in our country is the Russian state’s monetary support for its citizens in matters of improving their housing conditions. The purchased loan can be used in the following areas:

• for the purchase of ready-made, previously constructed housing;
• for the construction of a residential building;
• for the purchase of a plot of land where a residential building stands or its construction is planned;
• to pay off an existing mortgage loan.

In modern Russia, there are a number of mortgage programs supported both from the federal Russian budget and partially from regional provincial budgets. Along with the usual (standard) mortgage, there is also a social structure for mortgage lending to certain segments of the population. According to such a social mortgage, the conditions for receiving it will be relaxed as much as possible. Especially for the advantaged segments of the population.

Peculiarities

The existing social mortgage for improving housing conditions allows socially weak categories of Russian citizens to improve their current housing conditions. That is, the state organizes such preferential social programs to make the purchase of housing affordable for Russians with low incomes, for example, for large poor families, for state employees who do not have housing, for young officers, for young families, and so on.

A specially formed organization - AHML - manages and coordinates the activities of all existing mortgage programs in Russia - the Agency develops the state-defined policy of increasing the availability of affordable housing for Russians, and implements the function of the state body for the formation of the social mortgage lending market. The agency must strengthen the balance of interests of all parties in the field of real estate - the Russian state, ordinary borrowers, private and public lenders and investors.

Signs

Specific conditions of social mortgage:

• issuing preferential interest rates to borrowers on loans issued by the bank;
• issuance of targeted one-time subsidies or social payments for housing from the central federal or local regional budget;
• a more preferential price for the purchased housing (usually this is a standard economy class property);
• reduced amount of the initial housing payment when purchasing an apartment or house;
• assistance in paying interest rates by issuing compensation;
• the likelihood of a reduction in the monthly loan (“payment holidays”).

The main emphasis of social housing mortgages is on eliminating the existing housing hardships of that layer of working Russians who receive relatively average and low financial income and at the same time really need their own home (or apartment).

Cost structure

Under the terms of the social mortgage, the following financial cost structure is assumed:

1. The buyer's share of expenses will be approximately thirty percent of the cost of the home.
2. The share of state assistance (the amount depends on the social category of Russians) is approximately twenty to fifty percent of the total cost.
3. The rest of the housing payment goes to the mortgage loan.

The described structure of payment for purchased housing, as a rule, increases the possibility of obtaining mortgage loans for residents of our country, and this, in turn, actively contributes to the growth of the effective demand of Russians for residential houses or apartments, thereby further financing the construction industry of the domestic economy and those dependent on it various industries.

Specifics

The main difference between the existing conditions of a social mortgage and a regular or commercial mortgage is, ultimately, the lower cost of housing allocated to citizens. In addition, it is necessary to highlight the additional guarantees that lenders receive from the loan-issuing bank operating under social housing mortgage programs:

1. Control of the “cleanliness” of the purchased residential premises.
2. Insurance of both the purchased home and the life of the borrower himself.
3. The bank's promise to maintain the level of loan interest determined by the agreement until the completion of the loan agreement.

Participants of benefit programs

Not all Russians may receive the conditions of a social mortgage to obtain a social mortgage loan. The number of beneficiaries can include, first of all, those residents of the country who are officially identified as in need of housing and who are in line to purchase housing in local executive authorities. In addition, those in need of housing include Russians living in houses that are officially classified as unsuitable for normal living; those who have housing in multi-apartment buildings included in the emergency list and prepared for demolition or modernization. This condition serves as a common feature for all clients of social preferential mortgages.

Other conditions required to purchase a mortgage loan depend on the form of the social mortgage program:

• families with several children in which the age of the wife or husband (or one parent in a single-parent family) is not higher than 35 years;
• families with three or more minor children;
• veterans of official combat operations;
• young officers who became participants in the Russian funded mortgage housing system;
• Russians working in state (or municipal) bodies that are part of scientific organizations or the structure of scientific services;
• Russians working in state educational structures, as well as health authorities, cultural structures, local social protection, employment systems, physical culture and sports bodies;
• employees of city-forming institutions, including science cities;
• workers working in the structure of the military-industrial complex;
• citizens working in state scientific bodies, as well as various structures organized by state academies of sciences;
• employees of state unitary institutions with the rights of ordinary scientific bodies implementing their work in the leading areas of the formation of science and industry in Russia;
• a family is considered to be approved by a resolution of the local municipal government if the total income for each family member is below the subsistence level determined in each region; social housing mortgage refers to the state allocating a house or apartment to a low-income Russian family at a preferential price, as well as other additional social guarantees).

Housing benefits for doctors

In addition to general social mortgages for housing, there are also separate ones aimed at helping social workers solve housing problems. For example, these are doctors. There is a special program “Mortgage for Doctors”. Its goal is to make it easier for doctors to obtain social mortgage lending.

At the level of individual regions, the receipt of free land plots and targeted social lending for private construction have been organized.

In general, the conditions of a social mortgage for doctors lead either to a weakening of the credit burden for them, or to support in making

An initial fee

A potential participant in the Russian social housing mortgage program must be checked for the ability to pay the cost of housing. Actually, the scale of the loan received from the bank will depend on the volume of existing savings (down payment on housing), and on the volume of the borrower’s monthly receipt of funds. To increase the amount of a mortgage loan, the lender can additionally use the help of other solvent citizens (in particular, close relatives), who will then be added to the mortgage lending agreement as individual co-borrowers.

Under these conditions, social mortgages are actively developing in the regions.

Moscow

In Moscow in 2017, social mortgages are being actively introduced. The conditions in Moscow are particularly good. Participants in social financial lending will take out a mortgage at 9.5%. But there are a number of restrictions. Such a loan will be given only to those Muscovites who buy an apartment for themselves in new buildings in Moscow, part of the capital's housing stock, in a building erected at the expense of the city. Potential borrowers must have a passport with Moscow registration (registration), they must have a stable place of work with a constant income. In addition, they must meet certain criteria:

• be members of the state housing project “Housing for the Russian Family”;
• work at military-industrial complex enterprises;
• have a disability group or have a disabled child in the family.

Moscow region

The conditions for social mortgages in the Moscow region are based on the same specific points as for residents of Moscow. The main criteria for obtaining such a loan are noted above. But at the same time, it is necessary to keep in mind that individual banks have their own peculiarities of lending to clients, which can be found out in the financial institution itself.

Tatarstan

In this region of our country, social mortgages are also very popular. The conditions of social mortgages in Tatarstan are aimed at obtaining benefits by employees of institutions that can effectively finance social mortgages.

Receipt of housing under the social program occurs in a certain queue. Competitions are organized in the region to select apartments that can be awarded to citizens of the republic as part of the ongoing social mortgage on special conditions:

1. The citizen's need for improved living conditions. At the same time, one family member must have at least 18 square meters. m.
2. The longest term of a social mortgage issued is a little more than 28 years.
3. The realized interest rate is approximately 7%.
4. An initial housing payment is required. However, if a Russian has serious reasons, then it is possible to obtain the consent of the relevant authorities not to make this contribution.
5. You can make payments not only in cash. The regional program means payment with products of one’s own production in a personal household or repayment of a loan with one’s own labor.
6. Part of the housing area that has not yet been paid for can be transferred to commercial lease.
7. If a childless family received a social mortgage, and after a certain period the couple had a child, then the state pays assistance in the amount of 200 thousand rubles.

Social program participants in Tatarstan

According to the terms of a social mortgage in Tatarstan, a social mortgage can be obtained by:

• Russians working in budgetary authorities;
• employees of institutions included in social mortgage financing programs;
• Russians who need urgent support.

It is necessary to accumulate a large rating. It is determined by the amount of a person’s savings. These funds must be in the housing fund account. The winner of the competition will be the citizen with the highest rating, whose application meets all the requirements.

Of course, there is a social mortgage in Kazan. Its conditions are generally similar to the provisions of the program for Tatarstan. It should be noted that the social mortgage in Kazan for 2017 will provide an opportunity for many socially weaker sections of citizens to take out a loan on preferential terms.

The housing issue in Russia is particularly acute. It is almost impossible for most citizens to purchase it by any means other than a mortgage. This problem is especially relevant for young families and socially vulnerable citizens. According to statistics from the Pension Fund, 95% of the same maternity capital is spent on the purchase of real estate.

Therefore, the government has developed a special housing lending program for the population, which includes the so-called social mortgage.

What is social and preferential mortgage

First of all, such a mortgage is designed to help socially vulnerable segments of the population purchase real estate on preferential terms or improve their living conditions.

In other words, this government program gives a real chance to acquire housing for citizens with low incomes. These primarily include public sector workers, large and young families.

How exactly it differs from the usual one, and how to get it - see below.

Characteristics

1. Opportunity to get bank loan at preferential rates.
2. The right to receive targeted subsidies from the regional budget is given;
3. Buying a home at a significant price below market. However, it is worth noting that the property will be economy class. The state is not obligated to spend budget funds on luxury housing.
4. The down payment when purchasing a residential property will be calculated at the minimum rate.
5. The interest rate will be provided by a federal subsidy in the form of compensation. The fact is that a social mortgage loan can be obtained at 12% per annum, whereas before the introduction of the program the interest rate in banks was about 15%. It is clear that this is not profitable for banks. And so that they do not suffer a loss, the state compensates them for the difference.
6. Opportunity deferred payment(“credit holidays”).

Advantages

The main purpose of the program is that it should help those citizens who do not have large incomes, but are in dire need of housing. The fact that such lending is most beneficial for the poor can be seen based on these data:

• a person covered by preferential lending pays only 30% of the cost of the purchased property;
• 30%-40%, and sometimes even half (it all depends on which category of poor the borrower belongs to) of the cost is covered by government subsidies;
• A mortgage loan is issued for the remainder.

The implementation of this social program is beneficial to absolutely everyone: a citizen in need of housing gets a chance to celebrate a housewarming party, banks receive a huge number of potential clients, inexpensive housing in new buildings is actively being purchased, thereby stimulating the development of the construction industry.

Another important advantage of mortgage lending for socially vulnerable citizens is the fact that they are given additional guarantees by the bank:

• they take care of checking legal purity transactions;
• provide insurance protection not only real estate, but also the life of the borrower himself;
• provide an agreement where they undertake don't raise interest rates until the end of the agreement.

In fairness, it should be noted flaws, which the social mortgage has. First of all, due to the long term of the contract, the overpayment for housing increases significantly, which in other cases can reach 100%. Also, a person applying for a preferential mortgage incurs significant costs associated with the services of a notary and specialists from an appraisal company. In addition, deductions go to the bank that draws up the agreement - for processing the application, for maintaining a loan account, etc.

Who can claim benefits

Under the terms of the program, preferential loans can be applied primarily to citizens living in unsuitable housing conditions and at the same time necessarily on a waiting list for housing at their place of residence. The category of citizens whose places of residence are officially recognized as unsuitable for this, as well as persons living in dilapidated houses or those subject to demolition, also have the legal right to do this. These requirements are mandatory for all applicants.

In addition, the following can count on receiving government subsidies:

• young families with dependent children, where the spouses have not reached 35 years of age;
• large families with three or more children;
• persons who participated in combat operations in Afghanistan, Chechnya, Syria;
• young contract workers, participants in the housing program;
• employees of budgetary organizations (schools, hospitals, research centers and academies).

The size of the mortgage loan will directly depend on the borrower’s solvency and monthly income. If this income is small, then the citizen can include other people (friends, relatives) in the contract who will act as co-borrowers. In this case, the bank may decide to increase the loan amount.

Conditions and required documents

Since this is a state program, there are certain conditions for receiving assistance: to be a citizen of Russia, to have work experience, permanent registration, and an undamaged credit history with banks. The registration procedure is simple - a corresponding application is written to local authorities, which are obliged to consider it (taking into account the above conditions) within three days.

If the issue is resolved positively, you will need to provide the following package of documents:

1. application for a preferential mortgage;
2. identification document;
3. a copy of the work book and a certificate from the place of work;
4. income certificate;
5. a document confirming the fact that the citizen really needs housing;
6. military ID;
7. children's birth certificates.

Programs for young families, conditions

To receive government assistance, a young family must meet the following parameters:

• age under 30 years;
• There must be a document confirming that the family really needs a solution to the housing problem;
• the family must have the financial ability to repay the required part of the loan or have a satisfactory monthly income to make payments under the agreement.

Features of the program for military personnel

For this category of citizens, a special state project “Military Mortgage” is designed to solve the housing problem. The point of this project is that every year a certain amount will be credited to a serviceman’s personal savings account. The amount is determined by the government of the country, but the entire amount received from the state can be equal to 2.2 million rubles.

These funds can be used not only after the expiration of the contract, but also directly during service. Of course, you are allowed to spend this money only on the purchase or construction of residential premises.

An important fact: depending on the financial situation in the country or a sharp jump in inflation, the funds will be indexed accordingly.

How can young professionals get subsidized housing?

This large category of citizens is also taken into account in the social program. To qualify for preferential subsidies, they must work at least 150 shifts in construction teams. Only after this they will have the opportunity to buy real estate at a price much lower than the market price. However, this type of lending is currently only available in a few regions of the country.

Conditions for participation in regional programs

In addition to the preferential mortgage program operating throughout the country, local and regional programs are also being developed. Depending on the region, they may have slight differences, but are mainly implemented according to two schemes:

• local authorities build real estate with their own funds, then sell them to mortgage participants at cost;
• citizens of the preferential category receive one-time subsidies for making a down payment on a loan, and then all payments are made at the prices and tariffs of a commercial mortgage.

Purchasing housing with government assistance has many options. For example, you can apply a combined scheme: use funds from a maternity certificate together with a mortgage program for a young family.

Current information on video: how to apply for a social mortgage

Latest information in news material from Channel 360. How to get a social mortgage in the Moscow region - on video.