Social mortgage conditions for obtaining. Social mortgage - who is eligible?

Today the state is confidently working on various programs to support the poor. This includes providing people with affordable housing. There are various benefits and programs for this, one of which is the so-called social mortgage. We will find out further who can apply for it, what are the features of obtaining such a mortgage, and what is required from the applicant.

What is a social mortgage?

Social mortgage is a form of mortgage lending in which part of the amount of money is paid by the state. What are the features of a social mortgage and how profitable is it? Let's try to answer these questions:

• The main advantage and most attractive factor of a social mortgage is the reduced cost per square meter of housing. That is, it turns out that the same housing purchased under the social or standard mortgage program will cost differently.
• Before approving a loan, the bank checks the apartment for “cleanliness” and also provides life insurance for the borrower and the apartment.
• If you managed to get a social mortgage, then now you have another advantage on your side - guarantees from the government and the bank itself.
• The interest rate set at the beginning remains the same for the entire loan period.
• Preferential mortgages are issued at a low interest rate. It varies from bank to bank and starts at approximately 9%.
• People can choose a loan period of up to 30 years.

Please note that the form of this support varies from region to region. For example, this may be not just the purchase of housing at a low cost on credit, but also compensation of a certain amount from a loan for already purchased housing or reimbursement of a certain part of the mortgage interest.

The procedure for obtaining and the social mortgage agreement

The procedure for obtaining a mortgage is not an easy process. If we are talking about social mortgages, then things are even more complicated. The applicant will have to prove that he really belongs to the low-income category of citizens and has the right to receive this type of lending. This process is step-by-step, and each step will be discussed in detail below:

1. The first and most important step is to apply for a social mortgage. This application is usually submitted to the city administration or to your immediate superiors (depending on the social group you belong to). You are now in line to receive a social mortgage.
2. Next, you need to find out the nuances of this loan. This is done in a bank that cooperates with government agencies under this program. First, we find out which bank will provide you with a loan (this can be done at the city administration), and then we contact the bank. This stage will allow you to find out the interest rate, payment features, maximum terms and the most important point - the package of documents required for registration.
3. When it’s finally your turn, a social mortgage agreement is drawn up, and you receive the coveted apartment as a mortgage. A sample document looks like this:

Please note that the mortgage process outlined above may vary in your area. It may also be different for certain categories of citizens. Please consider this in advance to act in accordance with the law.

Documents for social mortgage

Depending on which social group you belong to, the package of documents for you may vary. However, there is a certain documentary base, that is, a set of documents that you will definitely need. This includes:

• Application for a social mortgage. It should be noted that this document is a regular application for a loan. His form is available.
• A document confirming tax registration.
• A certificate from your place of employment, which contains information about your current income and work experience.
• Passports of each family member (children under 14 years old usually require a birth certificate).
• Certificate from the house register in the prescribed form.
• Title document for the apartment.
• A copy of the work record book.
• Certificate confirming family composition.
• A certificate confirming the registration of ownership of the purchased property.
• Extract from the Unified State Register for the purchased living space.
• Bank account details.

Some situations imply that the property has already been purchased with a mortgage. That is, in this case, as part of a social program, the state will help pay off part of the existing debt or in another way help in simplifying the payment of the established amount. Check with your local authorities to find out which type of support you may qualify for.

Who can apply for a social mortgage?

Not all categories of citizens can qualify for a social mortgage. This is an important aspect, because first you should find out whether, in accordance with modern legislation, you are entitled to this type of lending or not. Let's consider several conditions that must be met to obtain this type of lending:

• The applicant does not have his own housing. As a rule, such people live either in a communal apartment or in a dormitory, and sometimes they rent housing.
• People live in cramped conditions, which means less than 14 square meters for each family member.
• There is a special set of requirements that the bank puts forward. Citizenship, length of work experience, registration, etc. may be taken into account here. You must find out this set of requirements directly from the bank with which the state cooperates as part of the program.

These are the basic requirements for applicants, but additional ones are also noted, which are presented separately for each social category of citizens.

Types of social mortgages

Social mortgage for a young family

What conditions must a young family meet in order to qualify?

• The family must have enough money to pay off the mortgage loan or pay for the part of the apartment not paid for by the state. Typically, this means that your income must be at least 2 times your mortgage payment.
• At the time of registration of the mortgage, the age of each spouse should not exceed 30 years.
• It is necessary for local governments to confirm that the family really needs improved housing conditions. Based on the results of this confirmation, a special certificate should be issued, which will subsequently be required for the package of documents.

Do not forget also about the special requirements that may be imposed by the bank.

Social mortgage for state employees

State employees, as a rule, are employees of government agencies. In most cases, they receive a fairly low salary and therefore have the right to apply for preferential mortgage terms. Who exactly is included in the category of state employees?

• teachers;
• young scientists;
• the doctors;
• military employees.

State employees can apply for such forms of social support as preferential mortgages; purchasing housing at cost; partial compensation from the price of real estate from budget funds.

Social mortgage for doctors

Doctors, as employees of budgetary organizations, can apply for preferential mortgage loans. However, to do this they must meet a number of conditions:

• Have both specialized secondary and higher education in the field of medicine. But a prerequisite is that he must be a certified specialist in this field.
• In order to start applying for a mortgage, a specialist must work in the medical field for at least 1 year. In some regions this bar is lower: in some places it’s a quarter, and in others it’s six months.
• The maximum age of program participants cannot exceed 35 years (in some regions this limit reaches 40 years).
• In the future, a physician must devote himself to working in medicine in a given region for at least 5 years.

Another important condition is living in cramped conditions or in a rented apartment.

Social mortgage for teachers

Teachers as public sector employees can apply for a social mortgage only if they meet the following conditions:

• The age of the applicant cannot exceed 35 years.
• It is necessary that the teacher does not own any real estate.
• The specialist must have Russian citizenship.
• The teacher must permanently reside in the region where he works, and also have direct work experience of at least 1 year.
• The borrower must be solvent. This condition means that the amount of the monthly contribution should not exceed 45% of the salary.
• It is advisable to have a good “work history”. This can be confirmed by letters of recommendation from the place of work, positive characteristics, absence of reprimands and other sanctions imposed by superiors.

When selecting candidates, priority support is given to rural workers and teachers who have moved from the city to a village or village. Also, the advantage is on the side of those who have young children.

Social mortgage for those on the waiting list

Those on the waiting list are those who have applied for a social mortgage and are waiting in line. In order to join the queue, you must meet the conditions outlined in the sections provided above. Please note that the timing of obtaining a mortgage depends not only on how early you joined the queue. Attention is also paid to the following factors:

• current living conditions;
• presence of young children;
• belonging to the budget category (or another preferential category);
• having enough income to pay the mortgage.

Video: Social mortgage - borrower opportunities

It is important to remember that a social mortgage is not only a burden of obligations from paying off the debt, but also a lot of opportunities that the state provides. A specialist will tell you about them in the video:

Please note that in some cases a down payment on the mortgage is required, and this is often a significant amount. However, preferential mortgages require a small down payment, which starts at 10%.

Buying a home in Russia is an overwhelming task for many people. Without mortgage lending, this is almost impossible for most citizens. A number of housing lending programs have been developed in Russia, including the so-called social mortgage, which will be discussed in the current article.

What is a social mortgage

The purpose of a social mortgage is to provide people with the opportunity to improve their living conditions when their current living conditions do not meet legal standards. For example, as you know, according to Russian housing legislation, each person is entitled to living space at the rate of 18 square meters per person. In fact, many large families are crammed into much smaller spaces. It is these families who have the opportunity to take advantage of social mortgages.

What is a social mortgage know quite a lot of categories of citizens, regardless of age, as well as military personnel. The essence of a social mortgage is that when purchasing a home, they can allocate the missing part of the money, or they can issue a subsidy to pay off the interest on the mortgage. The main advantage of a social mortgage is that housing can be obtained at a reduced cost per square meter.

The term of the social mortgage loan is 28.5 years. The interest rate is the lowest in Russia - 7% per year. Also, as a benefit, you can consider the possibility of purchasing a loan without a down payment.

Who is entitled to a social mortgage?

Naturally, every person has a question: who is entitled to a social mortgage? In order to be able to purchase housing on the terms of a social mortgage, you must first register and also sign up for the queue as those in need of improved housing conditions by law.

Each city has its own social program and specific nuances of social mortgages can only be found out in the administration of a particular city. For example, in Moscow, citizens on the waiting list for housing have the opportunity to purchase apartments at cost, that is, at a price significantly lower than the normal market price. In Moscow there are entire houses that are specially built for people who are provided with social mortgages.

Who can get a social mortgage in your city, you need to check with the city administration. For example, there is a social mortgage for the military. The essence of this system is that during the officer’s service, contributions are made to a special fund and thus a certain amount of money is accumulated, which can be used to obtain a mortgage. The specific amount of deductions depends on many factors, including the unit in which the officer serves, the position (rank), military distinctions, the location of the unit (region), etc.

The number of citizens who are entitled to a social mortgage includes not only the military, but also state employees, those on the waiting list, young families with limited financial income, as well as single young people.

How to get a social mortgage

Citizens in need of improved housing conditions submit an application to the administration of the district of their city in which they live with a request to register them as apartments.

Banks that cooperate with the state within the framework of the social mortgage program may impose certain requirements on the borrower. Requirements may relate to citizenship, registration, length of work experience, the need to insure property at your own expense, etc.

To know for sure how to get a social mortgage It is necessary to contact both the city administration and the bank that will lend, because there may be nuances regarding the package of documents and the conditions under which the bank issues a loan. After all, a social mortgage is a kind of benefit provided by the state, and the procedure for obtaining a mortgage loan is the same as in commercial banks.

An interesting option is offered today by the state as part of the social mortgage program for young people. Those who can receive a social mortgage join together in student construction teams and, after working 150 shifts on the construction of a residential building, have the right, firstly, to purchase an apartment at cost. which is three times cheaper than the market value, and secondly, get a social mortgage at a preferential interest rate.

Another option for a social program is a mortgage for a young family. The essence of this program is that a young Russian family, if the age of both spouses does not exceed 35 years, can receive a subsidy for the purchase of housing. For families with children, the subsidy amount is set at 40%, for families without children - 35%.

The subsidy can be received by those young families who are entitled to a social mortgage, that is, those whose housing does not meet housing standards and who are on the waiting list for municipal housing, and also have the opportunity to pay the remaining amount for the purchase of housing, which exceeds the amount of the subsidy.

And finally, a social mortgage for the military is proposed, the essence of which was described above.

We are learning how to buy an apartment with a mortgage that is 4 times cheaper than the market value.

Social mortgage is a solution for many people who do not have their own living space or it is too small in size. Many people are eligible for a social mortgage and this is often the only option available to improve their living conditions.

Differences between ordinary and social mortgages

Many people confuse the concepts of “mortgage” and “mortgage loan”. A mortgage is a form of collateral for property, and a mortgage loan is borrowing money from a bank against the security of property. Most often, people purchase housing with a mortgage, and the collateral is either existing real estate or property purchased with a mortgage loan.

Depending on what benefits a person receives, social and commercial (ordinary) mortgages are distinguished. Commercial can be obtained by legal entities and individuals who, by law, are not provided with benefits from the state. Social mortgages help improve the living conditions of people who belong to vulnerable segments of the population. The essence of a social mortgage is the ability to take out a loan for housing, which, thanks to the existing government program, will be much easier to repay by reducing the cost of real estate.

Social mortgage helps to find a way out of a difficult situation when people do not have money to buy an apartment. It is issued for a long term, thanks to which people have the opportunity to get housing now, without spending money to buy it for many years.

The table provides a comparison of the conditions of social and conventional mortgages that can be obtained from Russian banks.

The table does not show the advantages of social mortgages. So what is its benefit? Such a mortgage cheaper. All regions of the country have different conditions for social mortgages:

• In one case, people can buy housing at cost, which helps reduce the price. Such a program, for example, operates in Moscow;
• In the second case, people can get the missing part of the money to buy real estate. For example, a young family with children can receive compensation in the amount of 40% of the cost of housing, and a family without children - 35%;
• In the third case, a state mortgage helps to obtain subsidies for the payment of interest on the loan, which will make it much easier to repay the debt in the future.

If you want to find out what benefits you can get thanks to a social mortgage, you can contact the city administration and the bank. Each region has its own programs, each of which can greatly ease the financial burden when purchasing expensive housing.

Who has the right to apply for a social mortgage?

The state program allows the following categories of the population to receive benefits:

1. Young families with children

To apply for the benefit, young families must have funds to additionally pay the missing amount after obtaining a social mortgage. The age of the husband and wife must not be more than 35 years, and the family must be registered with the apartment. In accordance with the law, 48 square meters are allocated for two people. m.

2. All people who have the right to improved housing conditions

In accordance with the standards in force in Russia, there should be 18 square meters per person. m of living space. If people live in an apartment or house of a smaller area, they have the right to apply for a social mortgage.

3. Military personnel and combat veterans

4. Public sector employees, regardless of their age

This category includes employees of government agencies, employees of state educational institutions, employees of cultural and sports facilities, and workers of urban planning enterprises.

Social mortgage in Moscow

The cost of subsidized housing for residents of the capital depends on the cost of building a house and the time a person is on the waiting list for housing. The purchase and sale agreement is concluded between the borrower and the Moscow Government, and any bank can act as an intermediary.

The main question remains what the cost of housing purchased with a social mortgage will be. For example, a person who has been on the waiting list since 1990 can buy a two-room apartment with an area of ​​62 square meters. m at a discounted price of 558 thousand rubles. The same apartment for a person who has been on the waiting list since 2000 will cost a little more than 2 million rubles.

When purchasing real estate at a discounted price, you can pay part of the amount when completing the transaction, and to repay the rest, take out a mortgage loan from a bank offering favorable conditions. People who want to apply for a social mortgage in Moscow must be between 18 and 55 years old, be recognized as in need of improved housing conditions, and be able to repay the mortgage loan.

How to apply for a social mortgage?

Applying for preferential loans sometimes requires you to put in a lot of effort to achieve results. You need to start the process by contacting the district administration where you are submitting an application with a request to register your apartment. You should find out all the details from the bank, including the requirements for the future borrower. Most often, to obtain a mortgage, the bank needs to know the following information:

• Place of work;
• Seniority;
• Number of family members;
• Amount of monthly income;
• Availability of property insurance.

This form of mortgage is a good help provided by our state. Many countries do not have such programs. Therefore, despite the bureaucratic difficulties that await potential borrowers, we still advise you to take this opportunity seriously. If you have already decided on a mortgage, then a social one, of course, will be much more profitable for you.

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.