Apartments on social mortgage. Social mortgage apartment - types, purchase rules, conditions and requirements. Interest rate reduction subsidy

social mortgage- a set of state programs to improve the living conditions of socially unprotected segments of the population. There are several forms of social mortgage:

Currently, there are several state mortgage programs at the federal and local levels, for example, for young families and for state employees - young teachers and scientists, as well as for military personnel.

Social mortgage in Moscow

As part of the social mortgage, the city of Moscow provides its residents who are in need of better housing conditions with the opportunity to purchase residential premises owned by the city of Moscow at a reduced cost on the basis of sales contracts using mortgage lending. The price of such real estate is significantly lower than the market price of similar premises that do not belong to the city and are sold as part of housing programs. The redemption value of real estate is calculated on the basis of a methodology approved by the government, taking into account the number of years a citizen has been registered with housing and the right to benefits when purchasing housing.

Social mortgage is provided to solvent residents of the city of Moscow aged 18 to 55 who are recognized as in need of better housing conditions. A potential borrower needs to get a positive decision from the bank on issuing a loan in the amount necessary to buy an apartment.

For registration, a citizen must contact the Department of City Property of the city of Moscow.

Regulatory documents governing the provision of residential premises from the housing stock of the city of Moscow using mortgage lending:

Decree of the Government of Moscow of September 27, 2011 N 454-PP (as amended on April 8, 2015) "On approval of the state program of the city of Moscow "Housing" for 2012-2018";

Decree of the Government of Moscow of August 14, 2007 N 703-PP “On Approval of the Methodology for Calculating the Redemption Cost of Residential Premises Owned by the City of Moscow for Sale to Citizens under City Housing Programs”;

Decree of the Government of the Russian Federation of 11.01.2000 N 28 "On measures to develop the system of mortgage lending in the Russian Federation";

Law of the city of Moscow dated 06/14/2006 N 29 (as amended on 07/02/2014) "On ensuring the right of residents of the city of Moscow to residential premises";

Law of the city of Moscow dated 03/31/1999 N 11 (as amended on 05/19/2004) "On the organizational and financial support for the introduction of a system of mortgage lending in the city of Moscow".

Mortgages for young families

The mortgage under the federal program “Affordable Housing for a Young Family” is intended for young people, that is, it is assumed that each family member is under 35 years old. In addition, the program sets a number of restrictions. The family should be on the waiting list for better living conditions. For two people, an allocation of 42 sq. meters, if there are no children, and if there are - 18 square meters. meters per person. The amount of assistance to young families is determined based on the cost of housing in the region.

The basic indicators of the size of the subsidy under the program "Affordable Housing for Young Families" are: up to 30% of the average cost of housing for young families without children and up to 35% - with children. A number of banks have developed their own social mortgage programs for young people. For example, Sberbank of Russia has a Young Family program with lower interest rates compared to basic lending conditions.

At the same time, many banks do not single out young families as a separate social group for mortgage lending. However, most long-term programs are designed for young people.

Family mortgage

In 2018, the state launched a preferential mortgage program for families who have a second and / or subsequent child during 2018-2022. The mechanism of its action implies subsidizing the interest rate on the loan for three to eight years (depending on the number of children) at the level of 6% per annum. After the expiration of the subsidizing period, the rate is set at the level of the key rate of the Bank of Russia, effective on the date of the loan, increased by 2 percentage points.

military mortgage

Today in our country there is a federal program called "Military mortgage". Its essence lies in the fact that military personnel participating in the military mortgage receive a subsidy every year to their special account. The funds accumulated on this account can be used to make a down payment when buying a home under the military mortgage program. For example, the following credit institutions participate in mortgage programs for the military: Gazprombank, Svyaz-Bank, Zenit Bank.

Mortgage against maternity capital

After the birth of a second child, the family can expect to pay off part of the mortgage debt at the expense of maternity capital. At the same time, maternity capital is paid only three years after the birth of the second child. The programs of most banks also provide for the possibility of accounting for maternity (family) capital as an initial contribution.

Mortgages for young professionals

In addition, there are state regional programs designed for young professionals working in the public sector. Thus, interest rates are provided for doctors and teachers, as well as special conditions for the accumulation of initial contributions. How to get a state mortgage, you can find out from local authorities.

Buying your own home is an extremely difficult task for the vast majority of the country's citizens, including Muscovites. Not everyone can buy an apartment or pay for housing construction. Some families cannot make such a large purchase due to their low income, others because of the insufficient amount of accumulated savings. To solve such a complex problem, social mortgage programs were developed in Moscow.

Social mortgage 2020 includes a set of state lending programs, as well as a whole range of special banking products that may partially overlap with state ones. Today, banks provide soft loans for housing construction in Moscow, as well as social mortgages for secondary housing and primary real estate.

Who can get a preferential mortgage in Moscow?

A significant number of mortgage benefits with various lending conditions determines the existence of several groups of people who can take advantage of this program. In 2020, the following can receive a soft loan for housing in Moscow banks:

• people living in premises unsuitable for habitation, who are registered accordingly;
• families not provided with proper living space (housing area is less than 18 square meters per family member);
• young families with one child (the age of parents should not exceed 35 years);
• large families (no restrictions regarding the age of parents);
• the military, as well as participants in hostilities (in order to take a soft loan, you must participate in the accumulative housing system for military personnel for at least three years);
• workers in socially significant professions (for example, researchers, officials, workers in the healthcare system, etc.).

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

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

What is a social and preferential mortgage

First of all, such a mortgage is designed to help socially unprotected segments of the population acquire 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 a not very high income. 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 discounted rates.
2. The right to receive targeted subsidies from the regional budget is given;
3. Buying a home at a significant price below market. True, it is worth noting that the property will be economy class. The state is not obliged to spend budgetary funds on luxury housing.
4. The initial payment for the purchase of 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 under 12% per annum, while before the introduction of the program, the interest rate in banks was about 15%. It is clear that this is unprofitable 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 high incomes, but at the same time are in dire need of housing. The fact that such lending is most beneficial for the poor can be seen on the basis of these data:

• a person who has fallen under concessional lending pays only 30% of the value of the acquired property;
• 30% -40%, and sometimes half (it all depends on which category of the poor the borrower belongs to) of the cost is covered by state subsidies;
• the remainder is secured by a mortgage loan.

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 get a huge number of potential customers, inexpensive housing in new buildings is actively bought up, thereby stimulating the development of the construction industry.

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

• they take the test legal purity transactions;
• provide insurance coverage not only real estate, but also the life of the borrower;
• provide an agreement where they commit do not raise interest rates until the end of the agreement.

To be fair, it should be noted flaws possessed by the social mortgage. 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 bears significant costs associated with the services of a notary and specialists of an appraisal firm. In addition, deductions go to the bank that draws up the agreement - for considering the application, for maintaining a loan account, etc.

Who can claim benefits

Under the terms of the program, first of all, citizens living in unsuitable housing conditions and at the same time being in the queue for housing at their place of residence can apply for preferential loans. The category of citizens whose places of residence are officially recognized as unsuitable for this, as well as persons living in emergency or demolished houses, have a legal right to do so. These requirements are mandatory for all applicants.

In addition, the following may be eligible for government subsidies:

• young families with dependent children, where the spouses have not reached the age of 35;
• large families with three or more children;
• persons who participated in military operations in Afghanistan, Chechnya, Syria;
• young contractors, 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 solvency of the borrower, his monthly income. If this income is small, then a 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, a permanent residence permit, and a clean credit history in banks. The registration procedure is simple - an appropriate application is written to the local authorities, which are obliged to consider it (subject to the above conditions) within three days.

If the issue is resolved positively, it will be necessary to provide the following package of documents:

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

Programs for a young family, conditions

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

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

Features of the program for military personnel

For this category of citizens, the special project of the state “Military Mortgage” is called upon to solve the housing problem. The meaning of this project is that every year a certain amount will be credited to the personal savings account of a serviceman. 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 the service. Of course, it is 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 rise in inflation, funds will be indexed accordingly.

How young professionals can get affordable housing

This large category of citizens is also taken into account in the social program. To qualify for preferential subsidies, they need to work in construction teams for at least 150 shifts. Only after that will they be able to buy real estate at a price much lower than the market price. True, this type of lending is so far only in a few regions of the country.

Terms of participation in regional programs

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

• local authorities build real estate objects at their own expense, then sell them to mortgage participants at cost;
• citizens of the preferential category receive one-time subsidies for making the first installment on the loan, and then all calculations are made at the prices and rates of commercial mortgages.

Purchasing a home with government assistance has many options. For example, you can apply a combined scheme: use the funds of a mother's certificate together with a mortgage program for a young family.

Actual information on the video: how to get a social mortgage

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

Acquisition of housing on a preferential mortgage from AHML, according to realtors, at current prices is available only in 29 new buildings in the capital

Buying an apartment in Moscow using a social mortgage, according to the Agency for Housing Mortgage Lending (AHML), today is possible in 62 complexes under construction (in 141 buildings). However, of this number, less than half (29) of the objects are suitable for beneficiaries at a price, realtors say. Another part of the new buildings accredited by AHML belongs to the high price segments, which significantly narrows the choice of options for social mortgage borrowers, according to the materials of the real estate company Metrium Group. “Approximately half of the objects accredited by AHML belong to expensive classes. Their cost is estimated in tens of millions of rubles. At the same time, the maximum loan amount in Moscow for a social mortgage is set at 10 million rubles. [in combination with the “Mortgage with state support” option, it is reduced to 8 million rubles]. This means that the beneficiary is offered to pay 60-70% of the cost of the apartment, which costs a lot of money, ”explains Maria Litinetskaya, managing partner of Metrium Group.

To a greater extent, for social groups of citizens who intend to buy housing under the AHML social program, according to Metrium Group analysts, new buildings of mass segments accredited by the agency, of which they counted 29 in the capital, are suitable: 15 of them are objects within the old boundaries of Moscow and 14 - in the annexed territories of the Novomoskovsky and Troitsky administrative districts. “You can get a loan to purchase an apartment in these complexes at reduced rates, more profitable than market offers: at a rate of 9.9% per annum or with a 10% down payment,” Metrium Group reports.

Maria Litinetskaya clarified that the client would have to choose one thing - either a small down payment or a low rate. “Despite the fact that AHML declares a social mortgage as a loan with a rate of 9.9% per annum and with an initial payment of 10% of the cost of housing, in practice a combination of these two parameters is impossible,” says the realtor. If the buyer is able to pay only a tenth of the cost of housing, then state support, according to her, will not be available to him, and the rate will be 13.25% per annum.

Residential complex of the mass segment of Moscow with a social mortgage

Residential complex of the mass segment of New Moscow with a social mortgage

The most affordable option for buyers who are eligible for social mortgage loans are apartments in the Borisoglebskoye residential complex in the TiNAO, where the minimum lot price is 1.9 million rubles, Metrium Group analysts calculated. If the client, when purchasing an apartment in this complex, chooses a rate of 9.9% per annum, then he will need to make a down payment in the amount of 380 thousand rubles, and then pay 13.2 thousand rubles on a loan within 30 years. per month. If the borrower prefers a minimum down payment of 10%, then he will need 190 thousand rubles of his own funds, but the monthly payment will be 19.3 thousand rubles.

Within the old boundaries of the capital, according to the company, the most budgetary option for buying on a social mortgage is housing in the Etalon City residential complex, where apartment prices start at 3.55 million rubles. At a rate of 9.9%, the borrower will have to immediately pay 710 thousand rubles after the transaction is completed. and then for three decades to pay the bank 24.7 thousand rubles. per month. Or you can make a down payment in the amount of 355 thousand rubles. and monthly give 36 thousand rubles to pay off the debt.

Tables: "Metrium Group"

Vladimir Mironov