We took out a mortgage and had a second child. Write-off of an existing mortgage upon the birth of a child

Large families are more puzzled than others by the issue of preferential purchase of housing, because the number of children in the family determines how many rooms it should include good flat so that there is enough space for everyone. Accordingly, the more rooms, the less money remains for other expenses. That is why you should find out whether the mortgage is written off upon the birth of a third child.

Mortgage benefits for the birth of a third child

There is a lot of information floating around on the Internet regarding mortgage benefits for the birth of children, especially when a third child appears in the family. Let's consider what support measures such families can take advantage of (write-off, repayment of part of the debt with the help of budget funds or other options).

Loan write-off or repayment at the expense of the state

Writing off a mortgage upon the birth of a third child is possible with the involvement of the following authorities: federal, regional and city. Banks also accept maternity capital (for example, Sberbank). In this case, you cannot make a mistake with the choice, because it determines whether the family will be provided with the most convenient and advantageous procedure for making payments. Needed in mandatory Consult with local authorities or the regional division of AHML.

In areas with a predominant amount of funds or even an overcrowded budget, people receive such mortgage benefits more often at the birth of a third child, and where finances are insufficient, sometimes it is necessary to devote more time for the mortgage to be written off.

Special advantages are:

1. Reduced interest rate.
2. It is possible to repay the debt at a later date (the condition is negotiated with the bank and has nothing to do with government support).
3. Partial payments of real estate, the implementation of which occurs at the expense of the budget - according to the subprograms of the Housing Program.

Write-off of a mortgage upon the birth of a third child 2017 is only possible if there is a law in the region special program or used maternal capital.

Regional dependencies in 2017

There are territories (Moscow, Khabarovsk) where the mortgage for families with more than two children is repaid in full, but there are also places where only such benefits are provided as: lending without a down payment and payment from state property in the region of 30-75% of debt.

Please note that in the regions in 2017-2018 a variety of targeted programs, which can be used by citizens, including families with three or more children:

• Subroutine federal program Housing, called - obtaining a housing certificate (it can pay up to 30 percent of the cost of housing, both mortgaged and purchased for cash, taking into account the program's limitations on square footage). To do this, the family must receive special status and stand in line. The number of children does not matter.
• Regional programs within the framework of the state program “Providing affordable and comfortable housing and utilities citizens of the Russian Federation" - the right to purchase real estate at a special price from certain developers. For example, in Nizhny Novgorod region- this is 35 thousand rubles per sq.m.
• Special interest rates in certain regions with the support of AHML. Including for those who have three children or more.

Documents for receiving benefits

If the spouses have a third child, and they are going to take advantage of the mortgage benefit, then there are usually a number of reasons that encourage this action:

• The need to expand the territory;
• Lack of finances to pay off the mortgage yourself.

Benefits are not issued automatically, so you should consider in detail which package of information sheets you need to send to local authorities self-government:

• Confirmation of having many children;
• Statement;
• Copies of parents' passports and certificates of state registration the fact of birth of children;
• A certificate that determines the amount of tax deductions;
• An extract reflecting the total number of citizens registered in the apartment;
• Receipts for real estate with improper living conditions, including a set of documents used in the design and use of technical objects;
• A joint document of the spouses, signifying the emergence of a family;
• An agreement containing information about family members;
• A receipt confirming the right of a family with two or more children to receive targeted financial assistance from the state;
• Agreement long term loan, which is provided to a person by a bank secured by real estate;
• A copy bank document for an apartment;
• A copy of the apartment purchase and sale agreement, certificate of ownership.

The total waiting time will be about a month, and then the bank (for example, VTB 24 or Sberbank) will answer whether the benefit will be provided to the family. On this moment Sberbank is especially popular among other organizations, as it is supported by the government even in crisis conditions.

Do not forget that with the birth of a third child, spouses are entitled to maternity capital, which can be used to repay the mortgage loan.

Is it possible to write off a debt at Sberbank?

In 2017, a family with two or three children can write off the balance in full or partially mortgage debt at the bank based on the amount not yet paid. Repayment of a mortgage issued through Sberbank is secured by everyone necessary documents at the territorial office Pension Fund. The sooner the family submits information papers to Sberbank, the more convenient it is for payers.

Remember that mortgage write-off in 2017 occurs only depending on the amount of funds that are in the region’s budget.

Conclusion

In 2017, this is a relevant aspect to consider. Many couples, before getting married, think about whether the mortgage will be written off upon the birth of a third child. It must be borne in mind that in 2017, the right to repay the mortgage is not only for families where a third child was born, but also for those who decided to adopt children. Remember, the ability to write off your mortgage or receive benefits depends on your region of residence.

During the term of the mortgage, families expand and are replenished with children. Therefore, for many borrowers the question is very relevant: at the birth of a child, is the mortgage written off at Sberbank or another credit institution and under what conditions?

About state benefits for purchasing your own home

Relatively recently, various subsidy programs have come into force aimed at helping young families improve their living conditions. As part of state benefits, assistance is provided to families in which a child was born during the period of the mortgage.

To receive a subsidy when you have children to pay off part of the mortgage, it is necessary that the loan was initially issued under the “Young Family” program.

The conditions for obtaining a preferential mortgage mean that at least one of the spouses should not be older than 35 years of age, and the family was officially considered to be in need of improved living conditions. For state aid Age requirements apply to each spouse.

In the case of a loan under the “Young Family” program, upon the birth of a child, the state helps the parents by paying off part of the loan.

Along with this, in a credit institution such as Sberbank, a reduction in the mortgage upon the birth of a child is accompanied by a deferment of payments. VTB Bank offers similar conditions.

Sberbank provides mortgage loans under the “Young Family” program with a reduced interest rate, 10.25 - 11.4% per annum, and a low minimum contribution threshold - 15% of the cost of the purchased property.

What are the conditions for a subsidy for the purchase of housing when children appear?

The state provides different kinds subsidies that are available when children are born. These include maternity capital funds, which can be used to improve living conditions, and housing subsidies for repaying a mortgage loan.

Payment terms vary depending on the number of children. May be installed in some regions fringe benefits for program participants at the birth of children, for example, of the following kind.

When the first child is born, a portion of the amount sufficient to purchase a living space of 18 square meters is paid. In some regions, the amount of benefits may be increased by decision of local authorities.

When a second child is born, a ransom amount is paid for another 18 square meters. Parents may also have access to maternity capital funds, which can be used to repay part of the mortgage debt ahead of schedule.

When the 3rd child is born, the mortgage at Sberbank or VTB Bank is written off, that is, the amount of the state subsidy will be equal to the remaining portion of the loan debt so that the borrower can repay it in full.

Mortgage lending under the Young Family program may be available in various banks. Most Popular commercial organizations among those who offer preferential lending, are Sberbank and VTB.

Is it possible to get mortgage benefits upon the birth of children under a standard mortgage?

When it comes to traditional non-participating mortgages, government programs improving living conditions, banks do not give benefits. Since this puts borrowers on the same loan product in an unequal position.

However, although writing off a mortgage from Sberbank upon the birth of a child is not possible within the framework of a standard loan, the borrower can count on a deferment of payments on the principal amount of the debt (interest is still payable) for up to 3 years upon the birth of the first child and five upon the appearance of the second.

VTB Bank and Sberbank are considering the possibility of deferring payments for their borrowers under standard mortgage programs. But the decision on this is made on an individual basis after personal communication between the specialist and the client.

To be able to defer, you must contact the bank with a corresponding application.

What is needed to receive housing benefit upon the birth of a child?

To apply for a government subsidy to repay part of the mortgage loan, you must submit an application to the Administration settlement where the borrowers live. It is important to do this as early as possible, since the queue for receiving subsidies can last for years.

The package of documents required to complete an application for a grant includes the following list of papers and certificates:

• marriage certificate and birth certificate of a child;
• passport of each spouse and children under 18 years of age;
• an extract from the house register about the composition of the family;
• evidence that the family is officially recognized as in need of improved living conditions;
• agreement with the bank to obtain a mortgage loan;
• certificates confirming the income of the spouses.

Not only those spouses who have a child, but also those parents who are adoptive can apply for benefits under the “Young Family” program. The package of documents for receiving the subsidy will need to be accompanied by the relevant documents to confirm the adoption of the child.

Loan agreements are concluded only by adult citizens who have a permanent job and a certain level of income.

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At the same time, the bank is not interested in the presence or absence of children. The main thing for him is that payments are received monthly from debtors. The procedure for issuing mortgage loans is regulated.

But often the birth of a child becomes a problem and the bank too. After all, the family’s income at this moment may decrease.

Are there any benefits?

The answer to this question depends on the conditions under which the loan was provided. If it's basic banking product, then the borrower takes out a loan on general terms.

Receiving preferences depending on the presence of children would put other borrowers in less favorable conditions.

Therefore, a mortgage at the birth of a child does not provide any special benefits.

But at the request of the borrower it can be carried out if financial position family has changed. Or such debtors may be granted a deferment of debt payment. But all these are individual measures provided by the bank on an individual basis.

• They not only receive a loan on significantly softer terms;
• the state supports them in every possible way, establishing various benefits for the birth of the first, second and subsequent children, including those related to the payment of mortgage debt.

Mortgage upon birth of a child

In order to be included in the state support program, you must meet several conditions:

• to be a family, that is, to be officially married;
• be under 35 years of age;
• officially recognized for the purchase of housing.

Borrowers who meet all these requirements and who have entered into an agreement with the bank to obtain a mortgage loan with government support can count on various benefits when having children.

First

The birth of the first child allows young parents to count on an increase in the amount housing subsidy. It should be enough to pay for at least 18 square meters of housing.

Regions have the right to increase this figure based on the capabilities of their budget.

The birth of the first child in a single-parent family gives his mother the right to receive a mortgage under the “Young Family” program. Of course, if she is under 35 years old and her salary allows her to repay such a loan.

A mortgage at the birth of the first child assumes.

Second

The same state support measures are also available to families where a second baby is born during the mortgage payment period. The subsidy writes off the cost of another 18 square meters. m of housing. Regions have the right to increase this value again or offer other support.

In addition, all families with a second child are entitled to maternity capital:

• it can also be used to pay off interest or principal on a mortgage;
• this does not contradict the targeted nature of this government incentive measure.

Third

The amount of the subsidy due at the birth of a third child allows you to fully pay off the bank. You will only need to collect all the required documents.

All of these benefits are also available to those who have adopted children.

Such adoptive parents are equal to natural ones and have the same rights to state support.

In Sberbank

Sberbank is implementing the program. Young families, both those with children and those without children, can also become participants.

The terms of the loan are characterized by a reduced interest rate - 11.4%, reduced and an initial fee. It is only 15%, against the usual 20%.

In addition, upon the birth of children, a deferment of debt repayment is provided:

• for the first child it is 3 years, and for the second – five years;
• During this period, only interest on the use of the loan will be repaid.

And, of course, early repayment of the entire loan or part of it is allowed using maternity capital or a housing subsidy.

There are no fees, restrictions or fines for this case. You only need to confirm your right to use these certificates.

The table shows the terms of a mortgage in Sberbank at the birth of a child:

What kind of help can you expect?

The state, implementing various preferential mortgage lending programs, pursues, unlike banks, a non-commercial goal - to provide families with housing.

Therefore, for those who have children while paying off their mortgage, various support measures are provided.

They are implemented both at the federal and non-regional levels.

You can find out about specific programs of each region on the official portals of executive authorities. Sometimes such support measures are offered by banks with state participation.

Writing off part of the loan

The mortgage program for young families provides for writing off part of the debt from parents. The birth of their first and second children gives them this right.

In such cases, the state contributes the cost of 18 square meters to the bank from the budget. m of housing per child. That is, for the family, the debt will decrease by this amount.

If another baby appears before the full amount of the debt is paid, then the state will actually buy the entire apartment.

Postponement

Even those families that were not included in one of the state programs can count on some relief from banks.

Thus, Sberbank and VTB 24 are ready to consider the possibility of providing a deferment of debt payments to those families where children are born.

To do this you need:

• contact the bank;
• submit a written application.

The duration of such “vacations” is up to several years. During this period, the borrower pays only interest. His principal debt is not reduced. But there are no penalties for non-payment.

Once the family's financial situation becomes stable again, it will continue to repay the mortgage as before.

Subsidy

Participants mortgage program“Affordable housing” for young families has the right to receive subsidies from the state. Having children is not prerequisite receiving it.

The criterion is the need to obtain your own housing or improve your existing one. But the birth of a child increases the amount due to the parents.

Used to pay off the interest on the mortgage or part of the debt, depending on when it was received. Together with it, you can also use maternity capital, which a family is entitled to for the birth of a second child.

Sometimes subsidies and maternal capital are enough to completely repay the debt to the bank.

Procedure

In order to be included in the “affordable housing” program, you must contact your local administration to receive a subsidy.

Russian families in which from January 1, 2018 by December 31, 2022, if a second or third child appears, they will be able to receive mortgage for preferential terms- at 6% per annum. Wherein mortgage must be registered for the purchase of housing for primary market. In addition, those parents who already have an existing mortgage taken out after January 1, 2018, at the birth of a 2nd or 3rd child during the program period (until the end of 2022), will be able to refinance the loan balance is at the same 6%. In both cases, interest rates above 6 percent are borne by the state, so the new state program has already received the name “subsidizing mortgages in 2018 for families with children”.

Important addition:
June 7, 2018, Vladimir Putin, answering a question during the next “Direct Line” large family who already has three children born before 2018 (and therefore not subject to this program), mortgage subsidies at 6% per annum for families in which not only the second or third was born, but also subsequent children- fourth, fifth, etc. It is planned to allocate additional funding in the amount of 9 billion rubles for corresponding purposes.

New benefit program housing lending families with two children and large families was developed on behalf of President V. Putin. Document regulating the operation of the preferential mortgage program - Government Decree No. 1711 dated December 30, 2017, which approved the rules for the provision of subsidies.

The essence of preferential mortgages for families with two and three children

According to the rules approved by the Resolution, families who purchase housing on the primary market(or have already purchased and are paying off a loan) from the developer under a purchase and sale agreement or under an agreement equity participation. In this case, the main condition is the birth of a second or third child. during the period from January 1, 2018 to December 31, 2022. Thus, families with children born before 2018 are not covered by the new program!

To receive a 6% mortgage subsidy, loan agreement must be concluded no earlier than January 1, 2018. To receive benefits on a previously taken out housing loan, you need to refinance (that is, enter into a new agreement for the balance of the debt on new terms).

For participants in the state program, the state will subsidize the interest rate in excess of 6 percent per annum. However, mortgage subsidies will not be indefinite - that is, the program’s effect is calculated not for the entire term of the mortgage payment, which can be decades, but only a few years from the date of registration of the subsidy:

• for three years - upon the birth of a second child from 2018;
• for five years - at the birth of the third child.

However, if a family received a subsidy in connection with the birth of a second child, but during the validity of the benefit a third child is born, then the subsidy for the family extended for another 5 years after the expiration of the first subsidy (that is, in total for such families, subsidies will be provided for 8 years), and the date of birth of the third baby is important - no later than December 31, 2022. In addition, if the subsidy provided for the second child has expired, and a third child appears in the family before 2023, then its validity will be renewed for 5 years from the date of his birth.

That is maximum term , for which a subsidy will be provided - 8 years (if a second and third child is born in the family during the program). After graduation grace period The loan will need to be repaid at an interest rate that is equal to the refinancing rate at the time of receiving the loan plus 2%. For example, at the beginning of 2018 this value is 9.75%.

Mortgage conditions at 6 percent in 2018

According to the rules developed by the government, as well as information posted on the website of the Agency for Housing Mortgage Lending (website Dom.rf, product "Family mortgage with government support") to be eligible to receive a home loan or refinance an existing one at 6 percent, the following conditions:

• after January 1, 2018 a second or third child was born in the family (the program does not apply to fourth and subsequent children);
• housing must be purchased on the primary market under a contract of sale and purchase from legal entity(developer) or under a share participation agreement;
• housing (mortgage) loan (or loan) issued (or refinanced) by Russian credit organizations(by banks) or JSC “Agency for Housing Mortgage Lending” in rubles (AHML) no earlier than January 1, 2018, it provides for an annuity (equal shares) repayment schedule;
• minimum and maximum amounts home loan - 500 thousand rubles - 8 million rubles for Moscow, St. Petersburg, Moscow and Leningrad regions, for other regions of Russia - 500 thousand rubles - 3 million rubles, while at least 20% of the cost of housing must be paid as down payment on the loan;
• Necessarily registration of insurance: personal and property;
• when refinancing previously taken out mortgage at a preferential six percent, it is necessary that at least six months have passed from the date of its registration, and there should be no current late payments, delays of more than 30 days, and no restructuring has been carried out;
• deadline loan - from 3 to 30 years, the age of the borrower - from 21 to 65 years (at the time of loan repayment), a package of documents, as when applying for a regular mortgage loan with the only difference that it is necessary to confirm the birth of the second and/or third child (provide a certificate about birth).

Mortgage rate reduction in 2018 - latest news

The head of the Ministry of Construction, Mikhail Men, said that despite the fact that mortgage subsidies are provided only for a period of three or five years, starting in 2018, there is a high probability that after this time the market interest rate for mortgage lending in Russia itself will approach the same 6%, as is observed in last years. So in the long term, families with children new program beneficial, despite the limited period of its validity, if in the future you also take advantage of the opportunity to refinance the loan.

According to Rosstat and VTsIOM, many families in Russia express a desire to take out a mortgage if the interest rate is no more than 6 percent. That is, as in live November 30, 2017, such a rate would be feasible for the majority of Russians wishing to purchase an apartment or house with a mortgage loan, while the current market rates are still not suitable for everyone, especially in the context of falling real incomes!

It should be noted that the subsidy mechanism interest rates the mortgage was already worked out in 2015-2016. In this case, the role of the borrowers themselves is reduced to a minimum: preferential rate issued by the banks themselves, which then receive government support in the form of subsidies. The state program of preferential car loans for Russian families works similarly.

To get a mortgage under the state program at 6% or refinance existing loan, you will need to contact directly the bank where it was issued or where you plan to apply for a mortgage. VTB Bank announced the start of accepting applications for preferential mortgage loans

The assistance program for families with a second and third child will be valid from January 2018 to December 2022.

Mortgage subsidies will be issued not to the individual personally, but to the bank to offset lost income on the loan. That is, families who are eligible for a loan at 6% will need to contact credit institutions participating in this state program. And all necessary documents To receive assistance, the bank itself will apply.

List of banks that will issue preferential mortgage, not yet either. According to the rules of the program, the bank must request a subsidy in the amount of at least 100 million rubles per month. This means that the number of its borrowers must be significant. Therefore, loans under this program will most likely be issued only by large banks.

The document does not say how the borrower must confirm the right to receive a subsidy. This issue will probably be resolved in the near future.

Who can get a loan at 6%?

Citizens who had a second or third child between January 1, 2018 and December 31, 2022. There is no subsidy for the birth of the fourth and subsequent children. If the family has adopted a foster child, the benefit will also not be provided. It is important that the child and parents have Russian citizenship.

What kind of housing can you buy?

An apartment in a new building on the primary market or residential premises under construction with land plot, which is purchased under a participation agreement in shared construction or under an agreement of assignment of rights of claim.

Which can I get a loan?

New or refinance old. The loan must be issued no earlier than January 1, 2018 and no later than December 31, 2022.

What are the loan restrictions?

The loan is issued only in rubles.

The loan amount cannot exceed 8 million rubles (for housing located in Moscow, the Moscow region, St. Petersburg, Leningrad region) and 3 million rubles for housing located in all other constituent entities of the Russian Federation.

The minimum down payment must be at least 20%. If a family refinances a previously issued loan, its size should not exceed 80% of the cost of the residential premises.

The loan must provide for equal monthly payments throughout the entire loan term (except for the first and last months). Changing the amount of payments - only under a loan agreement (for example, when early repayment). If loan payments are late, subsidies may be denied.

The preferential rate of 6% will be valid only for 3 years if a citizen had a second child between January 1, 2018 and December 31, 2022. And only 5 years if a citizen had a third child between January 1, 2018 and December 31, 2022.

If the subsidy was first issued for a loan at the birth of the second child, and then the third was born, then after the end of the first subsidy period (3 years), the second subsidy period will begin to apply for another 5 years (clause 6 of the Rules government). That is, the maximum subsidy period can be 8 years.

What happens after the end of the program?

After the end of the loan subsidization period, the rate on it should not exceed the key rate + 2 percentage points (as of January 10, 2018 - 9.75%). It is worth considering that in 2017 key rate decreased from 10% to 7.75%. If there is no crisis, the key rate will also continue to decline, and along with it, the mortgage interest rate should decrease. If the key rate of the Central Bank increases, then after the end of the subsidy the borrower will have to pay more.