Military certificate: conditions of issue and use

Stages of obtaining a military mortgage

The procedure for obtaining a military mortgage involves several stages:

1. First of all, an individual must become a participant in the state NIS program, receive a unique number and a Certificate giving the right to enter into an agreement with Rosvoenipoteka.
2. At the next stage, the serviceman needs to select a property. He should hurry up, since the received Certificate has a limited validity period - only six months.
3. The third stage is collecting documentation. It must be started in advance, since this will require contacting various departments and government agencies, which may delay the issuance of certificates.
4. After the documentation package has been compiled, an individual must contact the bank and submit an application for a mortgage product. The applicant's application will be received by the bank within 2-5 business days, after which he will be informed of the decision made.
5. The bank opens a special account in the name of an individual to which the funds of the Central Life Insurance Fund will be transferred.
6. After receiving a positive decision from the bank, the serviceman needs to contact a specialized company and conduct an assessment of the property. Next, a mortgage agreement is signed with a financial institution.
7. The last stage involves the preparation of documents for real estate in Rosreestr and the signing of a purchase and sale agreement.

Attention! The seller of real estate must be notified of the specifics of the upcoming transaction, as well as that funds will arrive in his bank account within a certain period of time after the registration of ownership by a military personnel (approximately 1.5 - two months). A participant in the state program should know that he will have to insure the housing purchased with a mortgage.

Documents on Sberbank military mortgage

In order for bank specialists to consider an application for this product, you must submit a minimum set of documents. It includes:

• questionnaire of a potential borrower;
• passport of a citizen of the Russian Federation (required for presentation);
• NIS participant certificate;
• documents relating to the purchased housing (title documents and preliminary purchase and sale agreement).

Sberbank mortgage application form

Before contacting the bank, you should find out exactly what amount has accumulated in your personal account during the period of participation in the program; you may need to attract personal savings. It is also necessary to clarify the bank’s current requirements for real estate. Original title documents for the property planned for purchase can be submitted within 2 months after approval of the loan application. You can calculate a military mortgage at Sberbank on the official website of the institution.

Recommended article: Uralsib Bank Mortgage: programs, conditions, documents

What documents need to be collected for a military mortgage?

Documents for registration:

1. Certificate issued by Rosvoenipoteka.
2. Application form for participation in the mortgage program.
3. Written consent of an individual to the processing of his personal data.
4. Passport.
5. Tax identification number.
6. If an individual is legally married, then a notarized consent to purchase an apartment will be required.
7. Marriage certificate, marriage contract.
8. Birth certificates of children.
9. Documents for the property.
10. Valuation report for purchased housing.
11. Contract of sale.
12. If you are purchasing housing from the secondary real estate market, you must obtain a certificate from the BTI, documents confirming the ownership of the individual seller to the apartment, as well as copies of his personal documents. If the seller of a secondary home is legally married and has minor children, then the notarized consent of the spouse for the sale, a document from the guardianship authorities, etc. will be required.

You should know that most banks do not check credit history for military mortgages and do not require documents confirming income, which allows you to receive a positive decision on applications in almost 100% of cases.

Military certificate for housing. Which categories of military can apply for it?

A military certificate is a one-time assistance that gives the opportunity to become the owner of an apartment for military personnel who either continue to give back to the country or are already retired. The money cannot be received in person; the contract for the purchase of the apartment is drawn up. A military certificate for housing and a mortgage for a military personnel allow you to improve the living conditions of those who really need them.

Obtaining a certificate is possible only once. It describes the composition of the family. There is one caveat - if there are several military personnel in the family, then the rest lose the opportunity to receive a certificate in their name.

The certificate contains the following information:

• document details;
• recipient information;
• family composition;
• place of purchase of the apartment;
• final subsidy amount.

State registration of purchased real estate

At this stage, it is important to know what documents are needed to register an apartment purchased with a military mortgage. You will need the same papers as when concluding a purchase and sale transaction. You will need to add to them:

marriage certificate or statement that the new homeowner is not married;

written notarized consent of the husband or wife to purchase real estate with a mortgage;

receipt of payment of state duty;

power of attorney for the realtor;

all documents for a military mortgage that were signed at the bank and Rosvoenipoteka.

Who is entitled to the savings-mortgage system?

For state support and participation in the savings-mortgage system, all departments that perform military service, as well as those equated to the military - the Ministry of Defense, the Federal Security Service, the National Guard and others - are registered.

In order to obtain the right to participate in the accumulation system, a military person must meet one of the following requirements:

• Receive the rank of midshipman, warrant officer until 2005 (when the law on new provision of military housing through the savings-mortgage system was adopted);
• Enter into service under a contract until 2005 to be included in the system;
• Join the reserves after the start of operation of the accumulative system and have at least 3 years of service so that the military man can use the accumulated funds;
• Be included in the program due to entry into service after 2005.

Basically, the categories of military personnel who can count on government funds to purchase real estate with a mortgage have expanded significantly compared to the previous procedure for providing housing.

For FSO military personnel

Military personnel of the FSO units are equal in status to other military personnel, and since the law “On the Savings and Mortgage System” applies to everyone, the conditions are equal for all categories of military personnel.

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Final stage

Even when the apartment has already been purchased and registered in the state registry, it is too early to relax. There is a list of documents for a military mortgage that representatives of the armed forces need to provide to the bank and to Rosvoenipoteka after state registration: copies of the DCP (purchase and sale agreement), insurance contract and check confirming payment of insurance, extract from the Unified State Register, original certificate of home ownership.

To receive the keys to an apartment purchased with a military mortgage in a new building, you will have to prepare the following documents: DCT, certificate of ownership, acceptance certificate and notification of the need to obtain keys, which the buyer receives when the house is completed and the apartment is ready for inspection and transfer .

Despite the fact that the list of documents for a military mortgage is quite long, this program allows military personnel to purchase housing on the most favorable terms for housing loans.

How to get a military certificate

The main condition for receiving a subsidy is the absence of home ownership. This fact must be proven; it is important to register as a person in need, rent an apartment or live in a hostel. It is possible to obtain a document if you own housing, but only if the area does not meet the minimum standards for one family member.

The following can issue a certificate for an apartment:

• those transferred to the reserve after service for more than twenty years;
• those who left due to health problems after serving for at least ten years;
• those in need from the housing queue;
• members of fallen military personnel who were previously in line to improve their living conditions;
• resettled from military camps.

Required documents

The entire registration procedure is divided into 2 stages. The first is registration. A report is filled out in a unified form, to which are attached:

• service life documentation;
• military ID;
• certificate of family composition;
• copies of identification documents of all family members;
• certificates about current living conditions;
• bank statement showing the movement of funds in the personal account for the last five years.

The second stage is obtaining a certificate.

Submission of a report for inclusion in the register of participants in the savings and mortgage housing system for military personnel of the Armed Forces of the Russian Federation occurs in the first half of the year for the next year. The second half of the year is intended to review all reports, identify those in need, allocate budget funds, and enter all data into a single database.

Who and where issues a military housing certificate?

There are a large number of military installations on the territory of the Russian Federation. The certificate is drawn up and issued at the place of service. Two options for extradition can be considered: in part or in the executive authorities.

Calculation of the certificate amount for the purchase of housing

The amount of the subsidy is influenced by the number of people in the family who plan to live in the apartment. One adult has 33 sq.m., spouses are entitled to 42 sq.m., each child adds another 18 sq.m. The second parameter is the average market price per square meter of housing in the selected region. Since the average cost is calculated from all types of residential property, the figure is lower than many might expect.

Using simple calculations, you can calculate the approximate amount that can be obtained by simply multiplying the square footage by the average price of 1 square meter of real estate.

Procedure and timing of document implementation

The validity period of each issued document is six months. Involving bank credit organizations will help increase the period to 9 months. It is important to contact the bank to open an account within the first 60 days from the date of receipt of documents for the subsidy.

To receive funds, you should contact the bank to conclude an agreement and open an account into which the funds from the military certificate will be received. The bank must be a participant in the program. After concluding the purchase and sale agreement and registering ownership, the documents are handed over to bank employees. All provided data is carefully checked, the receipt of funds into the subsidy recipient’s account is clearly monitored, and then the transfer occurs according to the seller’s details.

List of required documents for various procedures

Main list of documents

An application form for obtaining a loan in the form established by the bank, a copy of all pages of the passport, a certificate of a NIS participant, and the military personnel’s written consent to the processing of personal data by the lender.

Additional list of documents for married military personnel:

Passport and copies of passport pages of your spouse; a copy of the marriage contract (if available) and a copy of the marriage certificate, as well as the notarized consent of the spouse to participate in the Military Mortgage program. If the serviceman is not currently married, but was previously married, he must provide a certificate of divorce.

This is important to know: Accumulative mortgage system for housing provision for military personnel

Documents for the bank:

Information from the registration certificate for the house in which the housing is located; documents from the developer on the ownership of housing; certificates about the absence of residents and registered in the housing, and the absence of debts for utility services; cadastral passport and certificate of title to housing. The bank specialist may also request documents about what kind of property the applicant has, what his education is, and whether there are additional sources of income.

List of documents for a military mortgage submitted to the Federal State Institution "Rosvoenipoteka"

A certified copy of the account opening agreement; statement; a copy of the loan agreement certified by the bank; a copy of all pages of the passport, a draft targeted housing loan agreement in triplicate and information about the assessment of housing.

List of documents for a military mortgage for concluding a housing purchase and sale agreement

Originals and copies of the loan agreement, targeted housing loan agreement (CHL) and real estate mortgage; an agreement for the services of an agent for state registration in two copies, a contract for the purchase and sale of housing and an act of acceptance and transfer of real estate in three copies.

List of documents for military mortgages for state registration of housing

Notarized consent of the spouse for the purchase of housing or a statement about the absence of the spouse (you must also provide a marriage contract if available), a check for payment of the state fee (its amount will be found out during registration), documents signed at the Federal State Institution "Rosvoenipoteka" and jar - in one copy. The following documents must be provided in triplicate: originals of the housing acceptance certificate and the purchase and sale agreement.

Originals and copies of the mortgage, loan agreement, targeted housing loan agreement and power of attorney for registration (if the serviceman acts through an agent).

List of documents for a military mortgage required by Rosvoenipoteka and the bank after registration

Originals of the certificate of ownership of housing (for a military man) and extracts from the Unified State Register, copies of a check for payment of insurance, an insurance agreement and a registered purchase and sale agreement. The mortgage must be kept in the bank.

List of documents for a military mortgage to obtain keys to housing

Acceptance and transfer certificate of housing, purchase and sale agreement, certificate of owner and notification to receive keys.

The preparation and collection of documents must be treated very carefully and responsibly. After all, if there is any error or absence of any document, you may not be given a loan. At the same time, the validity of all documents has a limited period and therefore it is best to complete all legal formalities as quickly as possible.

How are savings payments calculated?

After registering a military person as a participant in the savings-mortgage system, at least 3 years must pass to obtain the right to use these funds.

This requirement is quite logical, since over such a period an amount can accumulate that is suitable for paying the down payment when applying for a mortgage.

The annual amount is then broken down and the bank receives monthly payments on military debt that correspond to the established interest rates and the amount advanced.

A military man can act differently and participate in the accumulation of funds for a longer period of time than the minimum period in order to immediately repay the entire loan amount with the possibility of using his own funds.

This option is suitable for those employees who do not want to lose accumulated funds if they are approaching their retirement date or who want to retire early for valid reasons.

Algorithm of actions: how to apply for a military mortgage?

To ensure the presence of budget funds in the purchase of housing, you must initially declare your participation in this system. Having arrived at the place of duty, the military man must think about this issue and submit a corresponding petition.

Upon satisfaction, a personal account will be opened to which government funds will be transferred monthly. But you will be able to spend money on an apartment only after three years - having received a certificate of participation in the NIS, if approved by the bank.

To receive a certificate, you must submit a report to the unit's superiors. Further, the paper will be valid for a six-month period.

This time is given to choose a bank and an apartment.

Obtaining a military mortgage with a certificate

Even before the beginning of the 2000s, the program for providing housing to military personnel began its development in three directions - the creation of a savings-mortgage system, the issuance of one-time amounts and a certificate confirming the availability of funds in a military account.

In essence, the certificate is a personal confirmation of the subsidy, which is issued to military personnel who have served under a contract for at least 10 years.

In contrast to participation in the funded system, to obtain it, it is necessary to recognize a military person as needing improved living conditions, that is, if his family has a living space with less than 18 square meters per person.

A certificate for a state subsidy is used to open a mortgage in a bank, and the borrower’s candidacy is checked in the same way as in the savings-mortgage system.

This type of support guarantees the provision of housing for military personnel who have little time left to serve before retirement.

Bank selection

The bank must write an application, having previously clarified the fact of its participation in the state program. We can confidently say about the work of some banks in the field of military mortgages - many people turn to Sberbank and AHML to apply for one.

This is important to know: Documents for recognizing a military personnel as needing housing

VTB can also offer interesting conditions. The list of banks working with military mortgages in 2020 is quite extensive.

The package of documents for each bank may vary in composition, so you need to call in advance, clarify whether the institution works with a military program, and find out what papers are needed. Approval of a mortgage by a bank is only a formality, since it is guaranteed by the Ministry of Defense, and funds are provided by the state.

The procedure for obtaining a military mortgage - what to do next?

During the six-month validity period of the certificate, it is necessary to collect documents on the object. Then submit them to the bank and conclude a preliminary agreement with the seller.

Expert opinion

Grigoriev Pavel Kirillovich

Head of the department for conscription of citizens for military service of the Russian Federation

The serviceman also needs to open a separate account, which is needed to make the first transfer from the Central Housing Authority. At the same time, a loan agreement is signed with the bank.

All conditions are finally clarified, taking into account individual factors. So, some people may have maternity capital or their own savings, which will allow them to buy more spacious housing.

The issue is being discussed with the bank. CZHZ gives only 2.2 million rubles, you need to take this into account.

In addition to the loan agreement, it is necessary to sign papers with the Central Housing Loan, and only then transfer the entire package of papers to Rosvoenipoteka. It is this body that gives final approval on the issue.

And if the outcome is positive, the first money for contribution will be transferred to the account opened in advance. Upon receipt of funds, you can sign the main contract for the purchase of housing.

At the same time, an insurance contract is signed.

The prepared agreement with accompanying papers must be sent to Rosreestr. In this case, the collateral is issued to two organizations at once - to the bank with which it was decided to work, and to Rosvoenipoteka.

An example of a list of documents for the purchase of secondary housing for married military personnel

Let us consider, as an example, the situation related to the purchase of secondary housing by military personnel. It is necessary to note the following documents that will definitely be required during the transaction:

• You will definitely need a Russian passport. All its pages should be scanned or photocopied;
• Take the NIS certificate and make a copy of it;
• Make a copy of all pages of your ID or military ID. Attach this document to the general package;
• Attach a marriage certificate, if any - about its dissolution, or a marriage contract - also with copies. Moreover, certified copies may be required;
• If there are children, their birth certificates with regular photocopies;
• If the military representative will be represented by a trusted person, it is necessary to draw up a power of attorney and obtain two copies of it with notarization, and also make a copy of the proxy’s passport.