What is the essence of the law?
The state is ready to help a large family repay a mortgage or loan in the amount of 450,000 rubles. But firstly, this form of support from the state cannot be obtained with cash in hand, and secondly, the following conditions must be met:
- A third or subsequent child was born or adopted into the family during the period from January 1, 2020. If the child was born before the specified date, even, for example, December 31, 2020, then, alas, there will be no state support.
- If a child is taken into family custody, then the right to receive a subsidy does not arise. Adopted children must also be born after January 1, 2020.
- Another mandatory condition is that the child must be a citizen of the Russian Federation.
- The mortgage or loan agreement for the repayment of which the money is planned to be used was concluded no later than July 1, 2023.
- Under this agreement, housing (room, apartment, house) or land plot for individual housing construction (IHC) was purchased.
- If the contract refers to the construction of housing, then there will be no support from the state. To qualify for a subsidy, you only need to buy ready-made housing or a plot of land for individual housing construction.
Rules for drawing up a CZH contract
Contract number
It is marked by the NIS participant himself. The number is formed based on the series and number of the received certificate. For example, an NIS participant received Certificate 1909 No. 00010205; accordingly, the CZZ agreement must indicate number 1909/00010205.
The certificate series is the year and month of its issue, for example 05/20. The number is, accordingly, the unique serial number of the document.
agreement date
Also affixed by the participant, corresponds to the actual date of signing of the CLC. For example, if a mortgage loan is issued for a purchase, then the date of the mortgage loan agreement corresponds to the date of signing the loan agreement. If the purchase is made without a mortgage, the date of the CZH agreement corresponds to the date of signing the preliminary purchase and sale agreement or the preliminary agreement for participation in shared construction.
Place of conclusion of the contract
Moscow is always indicated as the place of conclusion of the contract. Despite the presence of branches of the Institution throughout the country, the signing of LCZ agreements is carried out only by the central office in Moscow.
Signatories from the Institution
The standard contract forms indicate the full names of several representatives of the Federal State Institution “Rosvoenipoteka”. You should not change this information in any way yourself. We try to keep the document forms up to date, but we recommend checking for possible document updates on the Institution’s website.
By power of attorney on behalf of a serviceman
If a targeted housing loan agreement is concluded by an authorized representative of a military serviceman, the preamble of the agreement and the borrower’s details indicate:
on behalf and in whose interests the full name acts on the basis of a power of attorney certified on the day of the month of the year by a notary of the district/district/city _____ full name registered in the register under No. ___
Other rules
- the transcript of the signature of the representative of the Federal State Institution “Rosvoenipoteka” is filled out by the Institution;
- the targeted housing loan agreement is drawn up on one sheet of paper on both sides
; - in the case of drawing up a credit agreement or loan, the text is written as credit or loan, respectively.
You should carefully consider the design of this document. Errors lead to longer transaction times.
What is the size of the subsidy and where can it be sent?
The maximum amount that the state can allocate to repay a mortgage or loan is 450,000 rubles.
- Example: a mother of two children has a mortgage debt of 600,000 rubles. In 2020, her third child is born, her mother receives state support in the amount of 450,000 rubles and now she only needs to return 150,000 rubles to the credit institution.
If the debt on a mortgage or loan is less, then the remaining money can be used, for example, to pay interest. Please note: in practice, mortgage or loan agreements are often concluded for several co-borrowers, for example, for two spouses. It is important that the co-borrowers include the spouse who is entitled to receive a subsidy.
Applicable agreements, their features
It is necessary to approach the execution of a targeted housing loan agreement very carefully, because obtaining preferential housing depends on it. If errors or corrections are made during this procedure, the document will not be accepted for consideration.
Depending on the nature of the property being purchased, the CLP agreement may be of the following type:
- For purchase without a mortgage. It is concluded if you plan to purchase housing using funds accumulated during your service.
- For the purchase of a private house. To do this, the contract specifies the area and cadastral number of the land plot. It should also contain information about the cost, category and number of storeys of the building.
- For the purchase of secondary housing. In this case, you should carefully consider the data in the column with the amount. They must exactly match the amount in the personal invoice. If there are the slightest discrepancies, the contract is not signed. In addition, the characteristics of the apartment and the buyer’s details must be indicated as accurately as possible.
- For the purchase of housing under construction. In addition to the above standards, it is necessary to accurately indicate the full address of the facility under construction. It will also be necessary to indicate all the characteristics of the apartment, such as the number of rooms, area and others.
Samples of targeted housing loan agreements:
- to pay the down payment when purchasing residential premises (residential premises) using a mortgage loan and repaying obligations under the mortgage loan;
- in order to repay obligations under a mortgage loan agreement provided to the participant as the only borrower for the purchase of residential premises (residential premises) before receiving a targeted housing loan;
- for the acquisition of residential premises (residential premises) on the security of the acquired residential premises (residential premises);
- to pay part of the price of an agreement for participation in shared construction and (or) repayment of obligations under a mortgage loan for the purchase of residential premises (residential premises);
- in order to repay the mortgage loan provided to the participant as the only borrower for the purchase of residential premises (residential premises) under an agreement for participation in shared construction before receiving a targeted housing loan;
- for the purpose of purchasing residential premises (residential premises) under an agreement of participation in shared construction without the use of a mortgage loan.
How it works?
- There is an addition to your family - a third or subsequent child was born or adopted. Now the state is ready to provide you with assistance in the amount of 450,000 rubles, which can be used to repay your mortgage loan (loan).
- Choose ready-made housing (apartment, room, house) or a plot of land for individual housing construction. Collect documents to submit your application. To make it more convenient, download the full list of documents from the link, print, and mark your path to your goal - your new home.
- Come to any of the 46 offices of the State Branch of the KPK and apply for a loan. Our lawyers will help at all stages, tell you where and what documents to submit and answer any questions about the upcoming transaction.
- After completing the transaction in Rosreestr, we transfer the entire loan amount to your bank account. You pay the seller and become the owner of a new home or land plot.
- We independently transfer all documents related to the transaction to JSC DOM.RF, and your obligations on the principal amount of the loan will be repaid using government support funds.
Important: you are applying for a loan at KPK GoSotdelenie, and your obligations to repay the principal amount of the loan will be repaid by JSC DOM.RF
Rules for obtaining a housing loan
The rules for receiving a loan offer aimed at obtaining housing can be found out from the employees of the bank you plan to apply to.
The general algorithm of action looks like this:
- An application for a loan is submitted to a credit institution. At this stage, the bank checks the borrower for solvency and whether he belongs to a preferential category of citizens.
- After receiving preliminary approval for a loan, you need to start searching for a suitable property to purchase. If the seller does not mind the fact that his property will be purchased with a housing loan, then all the necessary documents are collected for the bank.
- The bank examines the documents about the property and if no violations are found, for example, if it does not turn out that the house in which it is planned to buy an apartment is in disrepair, the loan will be approved and the seller’s account will receive an amount equal to the cost of his sold property.
When maternity capital funds are raised, a clause is added dedicated to visiting a multifunctional center with a statement of the desire to use the capital to improve housing conditions.
Documentation
The following documents will be required to obtain a home loan:
- Evidence of belonging to one or another category of citizens entitled to preferential lending conditions.
- Certificate of income.
- Insurance certificate and TIN.
- Documentary confirmation of family status and the presence of children in the family.
- Documents for the purchased property.
Preparation of contract
The loan agreement is drawn up by employees of the credit institution. Before signing the agreement, the borrower has the right to take a copy of the document, study it carefully, and, if desired, show it to a lawyer for study.
The loan agreement must be signed by both parties, i.e. both lender and borrower.
For the military
For the military, the NIS law is applicable, which states that a certain amount of money is received into the serviceman’s account, which is a subsidy from the state. A military citizen can use the accumulated funds when applying for a targeted housing loan.
What other advantages do a housing loan with government support have?
- To apply for a loan at KPK GoSotdelenie, you do not need income certificates or guarantors. The loan is issued against the security of the purchased housing or land.
- Even if all the children in the family are already adults, but a third or subsequent child appears, the parents will receive the right to state support.
- You can start applying for a loan immediately after receiving the birth certificate of your third or subsequent child.
Main types of mortgage loan
Classification by lending purposes
- Loan for housing construction.
- Mortgage for housing in the primary market (in new buildings).
- Shared mortgage is a loan for the purchase of apartments in a building under construction secured by the right to claim the apartment being purchased.
- A mortgage loan for the purchase of an apartment (house) on the secondary real estate market.
Additionally, you can also highlight the types of mortgage loans
- A residential mortgage loan secured by the property you own is a loan to improve your living conditions, under the terms of which you purchase an apartment secured by the property you already own and are purchasing.
- “Mortgage with state support” - loans to citizens of the Russian Federation who need to improve their living conditions, but do not have sufficient opportunities to obtain an appropriate bank loan.
Mortgage categories with government support
Construction and purchase of economy-class housing - for example, the “New Building with State Support” program.
Preferential mortgages for specific social categories of Russian citizens - young scientists and teachers or holders of certificates for receiving maternity capital. There are also mortgage housing loans for military personnel (Military Mortgage Bank) and young families with children (social mortgage program “Young Family”).
Preferential lending programs are usually implemented by banks with state participation (Sberbank, Gazprombank, Rosselkhozbank and VTB), as well as organizations working under AHML programs.
