Welcome to the pages of the online magazine "Ipotekoved.RU". Today we will talk about what is the assistance program. mortgage borrowers and how exactly you can get help in paying off a mortgage from the state in 2019.

Today you will learn:

— What is the assistance program for certain categories of mortgage borrowers?

- How to get help in paying off a mortgage from the state?

- Reviews of those who received state assistance in paying mortgages.

So go ahead!

Mortgage has become one of the effective tools for solving housing issue in Russia. Yes, it has a number of pluses and minuses, which we will consider in a separate post of our project, but this is a real opportunity, especially for young families, to purchase housing.

With the onset of another crisis in the economy, the state had to provide support to mortgage borrowers who found themselves in a difficult financial situation. In April 2015, the corresponding Decree 373 of the Government of the Russian Federation dated April 20, 2015, signed by D.A. Medvedev. JSC "Agency for Housing Mortgage Lending" became the operator of the implementation of this project.

Initially, this resolution provided for the validity of the assistance program until the end of 2016, but it has been repeatedly amended and supplemented. To date, according to latest changes 373 Decrees of the Government of November 24, 2016, assistance to mortgage borrowers (mortgage restructuring) is valid until March 1, 2017(extended until May 31, 2017 Decree of the Government of the Russian Federation of February 10, 2017 No. 172, since March 7, 2017, the acceptance of new applications has been suspended due to the expenditure of funds under the program.

However, in July 2017, an additional 2 billion rubles were allocated from the government fund to restart the program. On August 11, 2017, new conditions for participation in the mortgage borrower assistance program came out - which you will learn about from this post) and is as follows:

• The borrower's mortgage obligations to the bank are reduced in the amount of 20% to 30% of the balance (at the discretion of the lender's bank), but not more than 1,500,000 rubles.
• By agreement between the borrower and the bank, you can choose the format of assistance, namely, either send the entire amount of assistance to the mortgage to pay off the principal and thereby reduce the monthly payment, or to reduce the monthly payment by 50% or more for up to 1.5 years.
• Replacing a foreign currency mortgage with a ruble one. At the same time, the mortgage rate cannot be higher than 11.5% per annum. For a ruble mortgage, not higher than the bank's current rate, except in cases stipulated by the mortgage agreement, in case of violation of insurance rules.
• Until September 1, a special interdepartmental commission should be created, which will be able to increase the maximum payment under the program by 2 times and approve applications for participation if there are deviations from the basic conditions, but not more than in two points.

Example: If a family has a mortgage balance at the time of restructuring is 2 million rubles and, after checking the documents of AHML, the creditor bank decided to write off the debt in the amount of 20% of the balance of the principal debt, then with a mortgage of 12% per annum with a remaining term of 10 years payment to be reduced from the planned 28694 rubles. per month up to 22955. Benefit 5739 rubles.

There is an opinion that very often banks refuse to restructure mortgages, but in fact this procedure is very beneficial for them. losses incurred by the bank (uncollected interest income) due to early cancellation is compensated by the state.

Changes in the assistance program for mortgage borrowers dated February 10, 2017 suggest that the maximum reimbursement of 30% of the balance (up to 1.5 million rubles) is compensated by the state only if the family has two children or you are disabled (child disabled), and combat veterans may also apply. With one child you can only claim 20%. August 10, 2017 changes allow for larger maximum payout twice by decision of a special interdepartmental commission. Also mortgage must be issued no earlier than 12 months before the date of filing the application for restructuring.

Having analyzed negative feedback on the payment of a mortgage with the help of the state, our experts came to the conclusion that most often the reason for refusal is false information provided by the borrower and lack of knowledge of the basic requirements and conditions for state support. Let's talk about them now.

Important point! The acceptance of documents under the Program has been suspended since December 2, 2018 and the program is no longer working.

Who can receive support from the state

Government Decree No. 373, as amended on November 24, 2016, provides for the following list of persons to whom the state can help pay mortgage payments:

• Citizens of the Russian Federation with 1 or more minor children;
• Guardians (custodians) of 1 or more minor children;
• Participants in hostilities;
• Disabled people or families with disabled children;
• Citizens with dependent children under 24 who study full-time at an educational institution.

Mortgage requirements

To receive assistance from the state, a mortgaged apartment must meet these characteristics:

• It should not exceed the total area for a one-bed apartment - 45 sq.m., for an apartment with two rooms - 65 sq.m. and for three rubles and more - 85 sq.m.
• The cost of 1 sq.m. total housing area exceeds no more than 60% average cost a typical apartment in your region as of the date of conclusion of the loan agreement (according to Federal Service state statistics).
• The dwelling must be the only one for the mortgage borrower. At the same time, it is allowed to have a total share of ownership of all family members of no more than 50% in one other residential building. The countdown on the availability of property is from 04/30/2015. Those. it will not be possible to quickly rewrite / donate “extra” real estate in order to become a member.

Important point! The requirement for the total area of ​​mortgage housing and the cost per square meter does not apply to families with 3 or more minor children. If you have more than 50% property in other housing, then you will be denied under the program, but you can transfer it to relatives and then everything will be ok. To do this quickly and without problems, we recommend that you sign up for a free consultation with our lawyer (promotion until 12/31/2019) in a special form in the corner. From 08/11/2017, disputes over square meters and deviations under the program must be resolved by a special interdepartmental commission, which will be created in September.

Requirements for mortgage borrowers

• Russian citizenship
• Your income is below two living wages at your place of residence for each person in the family, after subtracting your monthly mortgage payment from them. Three complete last months. In this case, the mortgage payment must increase by at least 30% of the initial payment.

Those. this program suitable only for foreign currency mortgages and those borrowers who have a floating rate. For ordinary mortgage borrowers, a situation is impossible when the current payment is 30% higher than the original one. But when the interdepartmental commission starts working, it will be possible to submit an application for consideration there. up to 2 deviations from the conditions are allowed. Deviation on increase in monthly payment including.

If you have a co-borrower in the mortgage and he has a share in the property in this apartment, then he is obliged to provide a full package of documents both for himself and for his family members.

Now answer these questions. If you received the answer “NO” for one of them, then you will not be able to apply for participation in the mortgage borrower support program in 2019.

1. Do you have minor children or are you the guardian (custodian) of such children?
2. Home mortgage bought in Russia?
3. Are all mortgage borrowers citizens of the Russian Federation?
4. After deducting the mortgage payment, is the income for each member of your family less than two living wages in your area?
5. Has your payment increased by 30% from the original schedule?
6. Is the mortgage issued for the purchase of ready-made or housing under construction?
7. The total area of ​​​​housing is less than 45 sq.m for a odnushka, 65 sq.m. for kopeck piece and 85 sq.m. for three rubles and above (except for families with 3 or more children).
8. The cost of 1 sq.m. no more than 60% of the average cost of a square in a typical apartment in your region?

If all your answers are “Yes”, then you will be able to receive support from the state in paying off mortgage loans.

How to get government support

Now you already know that you can count on government support in paying off your mortgage. Now it remains to find out how to get it.

First of all, you need to contact the bank where you received the mortgage. Almost all major banks participate in this program of assistance to mortgage borrowers. The full list can be downloaded.

As a rule, this issue is dealt with by the department for dealing with overdue debts. It is enough just to call the contact center of your bank and find out where it is located.

The bank will give you a list of documents for state support by mortgage. An example list is provided below:

1. An application form with the obligatory indication of the reason for providing you with assistance from the state (reduction in income, reduction, decree, etc.).
2. Passports, birth certificates of minors of all family members.
3. Marriage certificate (if the marriage is registered).
4. Certificate of divorce, change of full name, parents and children, agreement of parents on the residence of the child with one of the parents (if required).
5. The decision of the guardianship authorities or the court decision on the establishment of guardianship (for guardians and trustees).
6. War Veteran's Certificate (for veterans).
7. Documents on disability from the borrower or co-borrower or from their children.
8. Birth certificate for dependents under the age of 24.
9. Certificate of family composition to confirm the residence of a dependent under 24 years of age with the borrower/co-borrower.
10. A certificate from an educational institution stating that a child under 24 years old who is dependent on the borrower/co-borrower is studying full-time.
11. Notice from the Pension Fund that a dependent person under 24 years of age does not have independent labor income.
12. A certified copy of the work book of the borrower/co-borrower.
13. Official certificate from work (for military or law enforcement officers).
14. IP registration certificate (for individual entrepreneurs).
15. Order of the Ministry of Justice of Russia on appointment as a notary (for notaries).
16. Employment book and / or expired labor contract for the unemployed.
17. Document on registration with the employment service (for unemployed).
18. Notification of the pension fund on the state of the personal account of the insured person (for all).
19. Certificate from the FSS of the Russian Federation on income from temporary disability, benefits and other payments.
20. Certificate of income in the form of 2 personal income tax or in the form of a bank from all family members.
21. Bank certificate on the total amount of family income (provided by the bank).
22. Tax returns, patents, etc.
23. Information about the amount of pension for pensioners.
24. Loan agreement
25. Mortgage (if issued, it is in the bank).
26. An application from borrowers that they have real estate in Russia.
27. Equity agreement (for a mortgage on a new building).
28. Mortgage collateral appraisal agreement.
29. Technical / cadastral passport for residential premises.
30. Mortgage payment schedule.

The list is quite impressive and will make you run a little, but it's worth it. The only moment that is rather complicated is extracts from the USRN. They cost money. One statement on the rights to property throughout Russia is 1,500 rubles per person and no one will return them to you if you refuse. There were a lot of complaints about this last time. From 08/11/2017, the requirement for an extract from the USRN has been cancelled. The bank has no right to demand it. AHML independently requests it.

After full list documents submitted to the bank, the responsible officer must send them to AHML for verification. On average, it lasts 30 days, but the feedback from the participants indicates that it can reach up to six months. the bank and AHML request additional documents at their discretion.

When AHML makes a positive decision, the bank will notify you of the date of the meeting. Next, you will need to sign a new payment schedule, new document PSK, conclude an agreement on restructuring (an additional agreement to the mortgage agreement), an agreement on changes in the terms of the mortgage. Next, you will need to wait from 2 to 4 weeks, when the mortgage will be requested from the bank's archive. After that, it is necessary together with the complete package loan documents and an agreement on changes in the terms of the mortgage (be sure to make copies) to visit justice for state registration of changes.

The process is similar in Gazprombank. VTB 24 closes the mortgage and issues a new loan for a smaller amount, which means that you again have to pay insurance and assessment costs.

There is no mortgage restructuring fee. Carrying out this procedure does not exempt you from paying the monthly payment and insurance premiums stipulated by the contract.

Due to the significant deterioration financial position citizens Russian Federation in 2015, the state decided to provide assistance to mortgage borrowers belonging to social groups. This project is implemented through the Agency for Housing Mortgage Lending (AHML). It is worth noting once that only certain citizens can use this assistance program, the requirements for which, as well as the necessary set of documents and the registration procedure, we will consider in more detail in this article.

Options for helping mortgage borrowers

It is important to note right away that at the moment the program applies exclusively to contracts concluded under it during the period until May 31, 2017. That is, if you can and want to use help, you should draw it up as soon as possible. We also advise you to first clarify with your bank his participation in the program and the availability of funds allocated by the budget for this assistance, since in their absence, all actions to collect documents and process them will be in vain.

It should be understood that this program provides for several options for financial assistance, of which in the future the borrower himself with his bank chooses the most suitable one. Moreover, the procedure itself provides for the restructuring of a debt obligation through additional agreements or the conclusion of a new loan agreement. Direct assistance can be provided in one of four ways.

1. Repayment of part of the principal debt on a mortgage. This option provides for a one-time transfer of funds, the amount of which cannot exceed 20% of the balance of the debt at the time of restructuring and 600,000 rubles (30% and 1,500,000 rubles for large families, and those who have two minor children), with the intended purpose - reduction in the amount of principal debt.
2. Decreased monthly payment. Its size will be reduced by at least 50% for up to 18 months.
3. decline interest rate . If the mortgage was originally issued in rubles, then the level of the newly established commission for the use borrowed money should not exceed its current value, and for loans in foreign currency- no more than 12% per annum.
4. Change in lending currency. As assistance, it is envisaged to restructure debt from foreign currency into rubles at the exchange rate set by the Central Bank of the Russian Federation at the time of the transaction.

It is worth noting that deferred payment is also available. That is, provided Grace period on the repayment of a mortgage, which provides for the period of its validity, the release of the borrower from the obligation to pay part of the principal debt and accrued interest.

Conditions for obtaining assistance to mortgage borrowers from AHML

To use the program, a mortgage borrower, in addition to being a citizen of the Russian Federation, must meet all four basic requirements. If at least one of the conditions is not met, then, unfortunately, assistance will be denied.

1. Relation to a social group. It will be enough to meet one of the following conditions:

• Has one or more minor children (own, adopted or officially in care);
• Combat veteran;
• Himself is disabled or there is a disabled child in the family;
• A dependent who is a student under the age of 24 is on provision.

2. Lack of family income. If earlier (before 2017) a mandatory reduction was required wages the borrower has at least 30%, then at the moment this condition is canceled. To meet this requirement, it is enough that the average family income for the last three months, after paying off the mortgage loan, does not exceed two living wages corresponding to the borrower's region of residence, for each member of his family.

For example, a person living in the Saratov region received 150,000 rubles over the last 3 months. In this way average salary will be 50,000 rubles. His family consists of three people - himself (the borrower), his wife (co-borrower) and a minor child. wife gets maternity payments, the amount of which for the last 3 months amounted to 30,750 rubles. That is, the average value is 10,250 rubles. Planned expenses, according to the schedule, to pay the mortgage monthly amount to 15,430 rubles.

The calculation is made as follows. From the total family income, which in this case will be 60,250 rubles per month, the costs of paying off the mortgage are deducted. The net balance will be 44,820 rubles. This amount will need to be divided by all family members, that is, by 3. Accordingly, each account for 14,940 rubles.

Now it remains to compare the amount of income with twice the subsistence minimum, which in the corresponding region is 8,773 rubles for the able-bodied population, and 8,300 rubles for children. Each capable family member (borrower and co-borrower) must have an income of up to 17,546 rubles, and for a child - up to 16,600 rubles. All values ​​exceed the actual average income received by each family member. Thus, according to the example, the borrower meets the second requirement of the program.

3. Compliance with living space. In addition to the mandatory use of an apartment, which in addition is located on the territory of the Russian Federation, as collateral for a mortgage loan, it is necessary that it:

• According to the estimated cost, in the calculation of the price per 1 sq. meter, does not exceed 60% of the cost of 1 sq. meters of the relevant real estate according to the Federal State Statistics Service at the time of execution of the loan agreement;
• The total living space did not exceed 45 sq. meters, if 1 room is indicated in its layout;
• The total living space did not exceed 65 sq. meters, if its layout indicates 2 rooms;
• The total living space did not exceed 85 sq. meters, if its layout indicates 3 rooms or more.

It should be borne in mind that all requirements for footage and cost do not apply to citizens who have three or more minor children in the family. Accordingly, it is enough that the housing is located on the territory of the Russian Federation and is collateral for a mortgage loan.

Required package of documents

In case of compliance with all four of the above requirements, it is necessary to proceed to the collection of a package of documents. It should be noted right away that the legislative framework allows the bank to supplement the list of required documents on an individual basis. Therefore, it is often worthwhile to first contact your credit organization for a detailed consultation. Although the required documents will be:

Passport of a citizen of the Russian Federation (borrower and his spouse);


Birth certificate of the child;


Certificate of current or divorced marriage;


If the marriage was dissolved, then a certificate of this and a court decision or agreement of the parents on the residence of the child with one of the former spouses is provided.


A certificate of a participant in hostilities or a document confirming the assignment of a disability to the borrower / his child, etc.

Financial documents. Depending on the type of employment, you may need:

A copy of the work book, certified by the employer;


Certificate of state income;


IP registration certificate;


Certificate of registration from the authorities social insurance on assigning the status of unemployed with the level of payments received;


Help from pension fund on the state of registration and the amount of the accrued allowance, etc.

Credit and burdensome documentation.

mortgage agreement;


loan agreement;


payment schedule;


Additional agreements to loan agreement;


Extract from the Unified State Register of Rights to real estate and transactions with it on the subject of mortgage (validity period - 1 month);


Real estate appraisal report carried out at the time of registration of the mortgage;

Mortgage on the object of pledge.

Assistance process

For the borrower, if you do not take into account the process of collecting the necessary package of documents, the process of using this program is quite simple. You just need to contact your bank with the appropriate set of documents and an application for restructuring. Further, the creditor himself takes all the necessary actions to consider the application, and, if necessary, submits it for additional analysis to AHML. If the decision is positive, it will be enough to coordinate with the bank the appropriate time and date for drawing up a new contract or an addition to the current one.

The state strives to make mortgage lending affordable for every person. The implementation of this goal is a key element of the activity of the Agency for Housing Mortgage Lending.

The official website of AHML is dom.rf. To get to the web page, you must go to the following link.

The main page of the portal illustrates the basic information about the company:

• Key news and announcements of the organization;
• Analytical data;
• Mortgage rates
• Interesting videos that relate to the right choice of housing
• inflation rate and so on.

At the top of the web page, the job seeker can click on the links of interest to him, such as mortgage, rent, land, about the company and so on.

Since 2018, the division has changed its name from AHML to DOM.RF. The main task is to assist in the provision of housing to citizens and ensure accessibility and transparency in the choice.

To achieve the main goal, the company implements the following functional responsibilities:

• Development of secondary housing mortgage lending;
• Development of rental housing;
• Provision of state-owned land plots to an auction for sale;
• Leasing for the purpose of residential construction, taking into account all the requests of the developer;
• Transfer of land to deceived equity holders or large families;
• Creation of a bank on the basis of which clients can receive all services related to the selection, purchase, registration of residential premises, with subsequent maintenance;
• Ensuring reliability. Works only with verified credit institutions and developers;
• Formation of a favorable infrastructure by supporting the quality of improvement processes, the development of the urban environment and taking into account the social and economic trends of the country.

DOM.RF is developing steadily. In its growth strategy from 2016 to 2020, it set goals such as increasing mortgage lending to 500 billion rubles, involving up to 14,000 hectares of state land, and so on.

Must be remembered! In order not to miss important news regarding mortgages, home construction or residential building laws, you need to regularly visit the site to monitor announcements. For convenience, you can bookmark the link to save time.

Personal Area

Interaction with AHML goes through VTB Bank or Personal Area, which can be accessed via the link.

The borrower's account allows you to make various transactions without an intermediary VTB, such as:

• Filing an application for partial or full repayment of the debt;
• Overdue debt control;
• Obtaining data on payments made and the history of repayment;
• Checking information about the balance of the debt, monthly payment and so on.

Important. To always be aware of the news of overdue debts and the date of repayment of the debt, you should register on the dom.rf portal. and receive all necessary information straight to the mail. For registration, you need confirmation of the service contract and data on full name, date of birth, mortgage number and contact phone number.

How to get a mortgage

To get a mortgage, you need to do the following:

1. Filling out an online application, after which a bank employee contacts the borrower to select the optimal loan conditions;
2. Collection of necessary documents to confirm the application. The review period is up to two days;
3. Choosing the right accommodation. The manager of the company contacts the borrower to help with the choice;
4. Obtaining a mortgage in one of the partner branches.

The list of partners can be checked in the "Mortgage products" tab by clicking on "our partners".

A window will open with a selection of the appropriate partners, depending on the location. Partners operate throughout Russia, just select the desired city or region from the list.

How to calculate a mortgage?

The site presents online calculator, which allows you to calculate the term and amount of the monthly payment.

To do this, you must select mortgage program, cost of housing, maternal capital(optional), down payment and desired mortgage term.

For example, if you choose the New Building program, the cost of housing will be 2,000,000 rubles, the initial payment will be 400,000 rubles and the loan term will be 15 years, and the interest rate and monthly payment will be:

Types of mortgage products and requirements for borrowers

The AHML service has many advantages, such as:

• Making all transactions at the state level, which minimizes financial risks;
• Savings due to the absence of commissions;
• Providing online service, which allows you to control the actions taken, the maturity dates, and so on.

Important!

The list of required documents for applying for a particular program can be found at the link https://xn--d1aqf.xn--p1ai/mortgage/how/loandocs/

DOM.RF offers the following types of mortgage programs:

1. Finished housing. The interest rate ranges from 9.25% to 9.75% (depending on the down payment).

Requirements:

• The age of the borrower is from 21 to 65 years;
• Permanent employment for at least 6 months;
• Loan term from 3 to 30 years and so on.

1. New building. Interest rate from 9.0% to 9.50%, which depends on the total amount of the loan.
2. On-lending. The interest rate ranges from 9.0% to 9.50%. The object under construction can be at any stage of construction.

Previous loan requirements:

• Absence of overdue debts;
• Payments made for six interest periods;
• No restructuring.

1. Family mortgage. Interest rate from 6%. The product is provided to families who have a second or third child from 2018 to 2022. The first required contribution must be at least 20% of the amount of housing.
2. On the security of an apartment. Rate from 9.25%. Minimum amount the loan is 500,000 rubles. The requirement for an apartment is that minors or incapacitated persons cannot be owners of housing.
3. military mortgage. Interest rate from 9.0%. An initial fee from 20%. Borrower must be over 25 years of age. Maximum amount the loan is about 2.5 million rubles.
4. Regional programs. It has a relatively low interest rate (from 6%). Program participants are determined by the regional government. These can be young or large families, budget employees, and so on.

Important. A list of areas in which regional programs take place can be viewed at the link.

1. social mortgage. The program was drawn up by the government of the Moscow region. Participants are doctors, teachers, young scientists or unique specialists. The program applies to people who work in Moscow and also to those who want to move to the capital. The advantage is that the borrower is provided with ready-made housing free of charge at the expense of the state, he pays only accrued interest.

Important. List of required vacancies and all necessary information about social mortgage can be found on the official website.

State program of assistance to borrowers

The organization helps borrowers in the purchase of housing who find themselves in a difficult financial situation.

Program participants can be:

• Parents of minors or children with disabilities;
• veterans;
• Disabled people;
• Parents whose children are full-time students of the department and are under 24 years of age.

To receive support, you need to do the following:

• Contacting the bank;
• Clarification of opportunities for obtaining assistance;
• Collection of necessary documents;
• Getting a final decision.

Important. Additional information about the state program can be obtained at the link.

Attention! All information on this website is provided for informational purposes only. The site does not collect and process personal data. the federal law dated July 27, 2006 N 152-FZ "On Personal Data" is not violated.

New rules for the state program to help mortgage borrowers in difficult financial situations came into force in Russia on Tuesday, August 22.

The assistance program for mortgage borrowers was launched in April 2015: banks restructured problem mortgages at a rate of no more than 12% per annum, and the state compensated part of the monthly loan payment.

The program expired on May 31, 2017, while the 4.5 billion rubles allocated for it were already spent as of March.

At the end of July, Russian Prime Minister Dmitry Medvedev signed a decree on the allocation of another 2 billion rubles from the government's reserve fund to the program as a contribution to the authorized capital of the Agency for Housing Mortgage Lending (AHML), and on August 11, a decree specifying the conditions for implementing the program. According to the government, the allocated funds will allow restructuring at least 1.3 thousand mortgage loans.

The main innovation of the updated state assistance program is that only holders of foreign currency loans can use the program. The government and banks explain this very simply: the first wave of the program was aimed at supporting holders of ruble loans, now it's the turn of foreign currency loans.

AHML again acts as the operator of the program to help borrowers this year.

The new state aid program is funded from Reserve Fund Russian government in the amount of 2 billion rubles. It should be noted that its extension will allow restructuring at least 1.3 thousand mortgage loans. The program operator is traditionally the Agency for Housing Mortgage Lending (AHML).

In March 2017, the Minister of Finance of the Russian Federation Anton Siluanov, following a meeting with foreign-currency mortgage lenders, proposed setting up the system of state assistance to mortgage borrowers in such a way as to shift the focus to foreign-currency mortgage lenders.

At meetings with the Ministry of Finance and AHML, activists of the currency mortgage movement insisted on a "product approach", when the key criterion for joining the program is the very fact that a citizen has obligations under a targeted housing mortgage loan (loan), calculated in foreign currency and accepted in the period up to the end 2014.

AHML, assistance program for mortgage borrowers 2017, last news: a new program to help mortgage borrowers began to operate on August 22

The restriction in this case will be a one-time participation in the program and the application of its provisions to the only obligation of a citizen.

As a result, in accordance with a government decree, it was decided that, within the framework of the updated program, banks would restructure problematic foreign currency mortgages at a ruble rate for a client not exceeding 11.5% or ruble problematic mortgages at a rate not higher than the rate in force on the date of the loan restructuring.

Borrowers who have passed at least 12 months from the date of obtaining a mortgage loan to the date of filing an application for restructuring, and whose monthly loan payment has increased by at least 30%, will be able to take part in the program.

The mortgaged housing must be the only housing of the mortgagor's family. At the same time, the total share of his family members in the ownership of no more than one other residential premises is allowed in the amount of no more than 50% from April 30, 2015.

For example, Sberbank clients can receive state support. For borrowers who have taken out a mortgage loan secured by their own housing, special conditions apply:

• Any housing can be pledged, including those to which the right to claim equity participation in construction under a contract is extended;
• This property must be the only place of residence of the borrower. It should be noted that the total share in the property of each owner must be less than 50%;
• The area of ​​a one-room apartment, which is pledged, should not be more than 45 square meters. For two-room apartment the maximum limit is 65 square meters, and for a three-room apartment and more - up to 85 square meters;
• The value of the mortgaged real estate should not exceed the cost of standard housing in the primary and secondary market by more than 60%.

Official website of Sberbank of Russia

Attention

According to the current requirements, the object must be located on the territory of Russia, and must also be registered as a pledge. Read about the procedure for obtaining a mortgage in the article at the link.

• 45 sq. meters - for a room with 1 living room;
• 65 sq. meters - for a room with 2 living rooms;
• 85 sq. meters - for a room with 3 or more living rooms /

For reference. The condition of the minimum cost of 1 square. meters of total area excluded.

5 condition - the only housing. Assistance is provided only in the presence of a single housing.

New program to help mortgage borrowers - new conditions

Under the mortgage borrower assistance program, AHML and Sberbank offer the following types of restructuring:

• reduction of payment by 2 times over 18 months (the missing amount is paid by AHML instead of the payer), after which payment continues as usual;
• "stretching" the term of the mortgage, due to which the size of the monthly payment is reduced;
• deferred payment of the principal debt for up to 6 months (i.e. the borrower pays only interest for these six months);
• postponement of the payment date;
• lowering the interest rate to a minimum of 9.23% (if the key rate is lowered by the Central Bank, an even more intensive rate cut is not ruled out);
• conversion of foreign currency mortgages into rubles at a fixed preferential rate.

Note that the first type of restructuring is always used by the bank, the rest - at will.

Aizhk program from Sberbank 2018

However, the conditions of the program have changed significantly. For reference. Regulatory document regulating the procedure for providing assistance is the Decree of the Government of the Russian Federation of April 20, 2015 N 373 (with amendments and additions in force in 2017) “On the main conditions for the implementation of the assistance program for certain categories of mortgage borrowers housing loans(loans) that find themselves in a difficult financial situation, and an increase authorized capital joint-stock company Agency for Housing Mortgage Lending.
The new terms of the assistance program for mortgage borrowers in force in 2018 were approved by Decree of the Government of the Russian Federation of August 11, 2017 N 961 "On the further implementation of the assistance program for certain categories of borrowers on mortgage loans (loans) who find themselves in a difficult financial situation" (came into force 21.08.2017).

State program of assistance to borrowers

• dismissal from work (at the initiative of the employer or in connection with the bankruptcy of the enterprise);
• transfer to a lower position with a reduction in salary;
• an increase in expenses caused by the death or illness of a relative (or co-borrower);
• loss of income-generating property due to conditions beyond the borrower's control (for example, the theft of a rental car or a fire in an apartment);
• the conscription of the payer himself or his closest relative / co-borrower, who helps pay the loan (for example, the mortgage is issued to the wife, but the husband was called) to the army;
• pregnancy and childbirth;
• getting a disability;
• prolonged illness.

The purpose of the borrower is to show that he found himself in a difficult financial situation, but at the same time he does not refuse his obligations and is ready to fulfill them if the bank provides him with more loyal conditions.

Aizhk Mortgage Borrower Assistance Program

Restructuring allows not only to reduce the credit burden on an individual family, but also to preserve the borrower's credit history Whether the program will be extended further depends entirely on the intentions of the Government.

Important

The bank cannot provide less benefits than provided by the state, since its costs are financed by the state. Nevertheless, Sberbank is ready to offer loyal customers with good credit history even more favorable conditions.

New conditions for the program of assistance to mortgage borrowers 2017-2018

The borrower (solidary debtors) is a citizen of the Russian Federation belonging to one of the following categories:

• citizens who have one or more minor children or who are guardians (custodians) of one or more minor children;
• citizens who are disabled or have disabled children;
• citizens who are combat veterans;
• citizens who are dependent on persons under the age of 24 who are students, students (cadets), graduate students, adjuncts, residents, assistant trainees, interns and full-time students.

2nd condition - change in the financial position of the borrower (solid debtors).

Assistance program for AHML mortgage borrowers in 2016-2017

August 2017 mortgage, currency mortgage, AHML, state aid The Assistance Program for Mortgage Borrowers 2017-2018 has been extended, but the program introduced new conditions for borrowers - foreign currency mortgages are in priority. How to get help? No EGRN statements. The new program of assistance to mortgage borrowers 2017-2018 from AHML has been extended, but is focused on helping foreign currency mortgage borrowers.

Ruble - in flight? On August 11, 2017, Russian Prime Minister Dmitry Medvedev signed a resolution on the resumption of the state program of assistance to mortgage borrowers in a difficult financial situation. Assistance to ruble and foreign currency mortgages will be provided within the framework of Decree No. 961 of August 11, 2017.

Aizhk - assistance to mortgage borrowers in 2017: a package of documents

The size living wage taken in the region where the borrower lives.

• as of the date of filing the application for restructuring, the amount of the monthly mortgage payment has increased by at least 30% compared to the amount of the payment as of the date of conclusion of the loan agreement.

Thus, the program cuts off the possibility of participation in it of the majority of ruble mortgage holders. The authorities spoke about the priority of the new program for foreign currency mortgage borrowers back in the spring of 2017.
Later, in July of the same year, representatives of banks confirmed this information. In addition, by September 1, 2017, a special commission will be created to deal with exceptional cases of restructuring, for example, if the borrower does not meet any of the conditions of the program (no more than two clauses of the conditions), but at the same time clearly needs assistance .