How is the mortgage repaid at the expense of the state?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Unforeseen situations can happen to everyone. Often they are associated with a decrease in income, which affects many areas of a person's life. If there are credit obligations, for example, a mortgage, then you have to save a lot. You also need to look for ways to repay the loan. Now it is possible to repay the mortgage at the expense of the state, if the decrease in income is due to objective reasons. This allows you to save housing purchased on credit. The rules of the program will be discussed in the article.

Decree

The norm is spelled out in government decree No. 373, which is valid from 2015-23-07. Later, changes were made to the document, and the new version is valid from 2015-07-12. It was introduced by presidential decree No. 1331. The latest version took into account all the shortcomings that were in the previous bill.

The state-funded mortgage repayment program involves:

• decrease in debt by 600 thousand rubles;
• conversion of a loan issued in foreign currency based on the exchange rates of the Central BankRF;
• reducing regular payments to 18 months.

Compensation

The position of the borrower must be taken into account before the method of paying the debt is chosen. Sometimes compensation of 10 and 20% of the main debt is chosen. Initially, it was envisaged to reduce debt by 10%. From December 12, 2016, 20% is already compensated.

For example, a client has a loan for 5 million rubles. Of these, he paid 3 million. It turns out that the balance is 2 million rubles, of which 20% (400 thousand rubles) will be paid by the state.

Write-off up to 600 thousand rubles

It is possible to partially repay the mortgage at the expense of the state. 600 thousand rubles is the maximum amount that is paid by the state on account of the debt. At the same time, the price of real estate must be higher than 8 million rubles, since the first payment of 20% of the cost is required at the time of registration of the mortgage.

Childbirth

The mortgage is repaid at the expense of the state at the birth of a child. After the appearance of the first-born and the second baby, you can receive compensation for 18 square meters. meters. And with the birth of a third child, the entire mortgage is paid.

How is the mortgage repaid at the expense of the state? To get a debt cancellation with the birth of a child, you need to visit the Pension Fund of the Russian Federation. Provided to this body:

• maternity capital certificate;
• baby birth certificates;
• marriage document;
• mortgage agreement;
• Proof of ownership;
• certificate of the balance of the debt.

You must make copies of documents, but you must still take the originals with you. After verification, the funds go to pay the debt, and the mortgage is closed. Such an opportunity is available to families who have drawn up an agreement under the state program. If another type of loan was received, then it must be reissued in order to receive such benefits.

Decrease in income

To issue a mortgage repayment at the expense of the state due to a decrease in income, you need to confirm a decrease in the level of material we alth. It could be a pay cut of at least 30%. The borrower must apply for restructuring 3 months after the decrease in income.

There is another reason why it is possible to repay the mortgage at the expense of the state. This is a loan in foreign currency. State support is provided if, after a change in the exchange rate, the payment increased by 30% without an increase in income. Rising costs equals lower wages.

Members

Who can count on the repayment of a mortgage at the expense of the state? 2016, like 2015, allowed the following categories of citizens to receive such benefits:

• young family with a child under 18;
• family with 2 children;
• family where the child or parents are disabled;
• having a dependent under 24 with no official income;
• civil servants;
• workers of a city-forming enterprise;
• participants in government programs;
• innovation workers;
• former combatants;
• employees of institutions of the Russian Academy of Sciences, the Academy of Sciences and scientists.

Only those in these categories need to apply for the program.

Property requirements

There are several requirements, thanks to which the repayment of a mortgage is issued at the expense of the state. 2017, like 2016, was no exception for beneficiaries. Benefits are subject to the following conditions:

• property is the only residence or no more than 50% share in another property;
• cost of 1 sq. m. must be less than 60% of the price of an average property;
• legal cleanliness of the object is important.

Housing must meet area requirements. If the borrower lives there alone, then the object should not be more than 50 sq. m. For 2 people, the limit is 35 meters for each. The entire area is no more than 70 meters. If there are three tenants, then the requirement for the object is up to 100 sq. m.

Income requirements

Requirements are not only for real estate, but also for the income of borrowers. In 2017, an innovation began to operate. A client may receive benefits if their personal or family income has decreased. The deteriorating financial situation is evidenced by the balance after payment of the contribution. If it is below 2 subsistence levels, then the borrower has the right to issue a mortgage repayment at the expense of the state.

In Moscow, the cost of living is:

• 17,000 rubles - for adultsworking;
• 13,000 - for kids;
• 11,000 - for pensioners.

A borrower who wants to take advantage of the support must not be in bankruptcy by court order. You can take part in the program if you have a target loan. In this case, the delay should be within 30 - 120 days.

Contract date

According to the first version of document No. 373, customers who had issued loans before 2015 were en titled to issue mortgage debt repayment at the expense of the state. There is no mention of this in the next ruling. Only the period from the execution of the contract to the request for help is determined. It must be at least 1 year.

Procedure at Sberbank

Such services are available in all banks. Many have a mortgage in Sberbank, because there are favorable conditions. To receive compensation guaranteed by the state program, you must do the following:

• come to Sberbank;
• consult a specialist about the possibility of applying for benefits, as well as take a sample of writing an application;
• write an application, collect documents;
• get help;
• transfer documentation to the bank.

After that we should expect the decision of AHML. If the result is positive, then funds are transferred to the account, thanks to which the amount of debt is reduced. The client must sign an agreement with the bank, which specifies the terms of the transaction. Then the mortgage is adjusted, it is carried out with the Rosreestr and the bank.

Required documents

The Borrower must submit the following list of documents:

• passport;
• program eligibility verification: income statements;
• copy of work book, certified by a notary;
• marriage or divorce certificate;
• child's birth certificate;
• real estate papers
• contract for participation in shared construction;
• extract from USRR.

The list of securities is subject to change. Additionally, documents on the disability of the client or his children, on participation in hostilities may be required. For the fulfillment of other conditions prescribed in the contract, the borrower is responsible independently. These include life and property insurance.

Federal programs

Since 2011, Russian citizens can join a program that allows you to restructure the debt. It works for young families. It reduces the financial obligation.

Participants must meet several conditions:

• age – under 35;
• no more than 15 sq. meters of housing;
• availability of funds to meet loan obligations;
• Proof of participation in social housing.

Paying compensation will be a great help to the family. Although for some the amount will be small, given the cost of housing, it still saves a lot of money. Therefore, if all requirements are metYou must definitely participate in such a program, it is extremely unreasonable to refuse such assistance.

Nuances

Naturally, there are some pitfalls in this question:

• creditors cannot charge clients for restructuring;
• even with the program, the client has to make payments, and this does not eliminate fines;
• the lender can forgive fines in full or in part if this is due to the worsening financial situation of the client;
• client continues to be liable for property and he alth insurance as specified in the mortgage agreement;
• the application for restructuring is being considered within the time frame approved by the credit institution;
• the subsidy is not provided to the borrower, the funds are transferred to the bank, which avoids misuse;
• if 1 more child appears after receiving a mortgage, then assistance is provided up to 5% of the amount;
• when participating in the program, a certificate is issued;
• mortgage can be issued not only in Sberbank, but also in other banks of the country;
• You can only use help once.

Repayment of part of the mortgage by the state will be a great help for borrowers. It is necessary to collect the necessary documents, and wait for a decision. Beforehand, a specialist should be consulted about the chances of participating in the program. Sometimes some nuances can affect the decision of the commission, so it is important to make sure that you meet all the requirements for a participant in this program. Show a little perseverance and you willreach your goal! The state cares about its citizens and does everything possible for their comfort!