"Rosvoenipoteka": how to find out how much is on the account by registration number?

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

Every serviceman of the former Soviet army knows firsthand how difficult it is to get housing for a person who has put on shoulder straps. Long-term standing in apartment queues and wandering around the garrisons did not at all guarantee receiving the coveted square meters by the time of departure for a well-deserved rest.

Concessional lending program

Today the situation is radically different. Using the program of mortgage savings lending, a soldier can acquire personal housing after a few years of service.

Every month the state transfers a certain amount to the soldier's account, which increases every year. After 36 months, enough capital is accumulated to make the down payment on the mortgage. An organization called Rosvoinipoteka controls and accrues funds. How to find out how much money has accumulated in the accountanother moment? The answer to this question is very important. After all, such information allows you to correctly assess your financial situation and determine your readiness to purchase housing.

Procedure for accumulating funds

So you have a military mortgage. How to find out how much money has accumulated in the account by a certain moment, we will tell you a little lower. And now let's talk about the rules for the accumulation of funds:

• Money is monthly transferred to the personal account of the funded program participant.
• Transfers are made until the serviceman issues a mortgage loan. After that, the funds begin to flow to the account of the financial institution.
• You can't get your hands on money. And they can only be used to purchase housing.
• Only those who have registered can participate in the program.
• You can use the accumulated funds no earlier than 36 months from the date of registration.
• A participant in the program may purchase housing at a higher cost than provided. In this case, he will cover the difference from his personal savings.
• The bank in which the mortgage is planned must be accredited to participate in the program for the military.

Nevertheless, not every serviceman can decide to purchase housing even under the Rosvoenipoteka program. How can I find out how much money is in my account and if it is enough for the first installment? Should I wait until more money is accumulated? We will try to answer these questions below.

Formation rules

The conditions under which the accounts of participants in the state NIS system are formed are prescribed in the Decree of the Government of Russia. According to the document, the beginning of the formation of the amount of savings on the account of the program participant is considered the moment the grounds arise for entering the army team into the register. At the same time, it does not depend on the date the information was entered or on when exactly the personal savings account was opened. The amount of savings is made up of two streams: the state contribution, monthly received from the budget, and income from investments.

The first part is established by law and grows annually. If in 2005 the amount of accruals was only 37 thousand Russian rubles, then in 2015 the amount reached 245 thousand 880 rubles. Moreover, every year (except 2016) contributions are indexed as inflation increases. Therefore, it cannot be less than last year.

The second part of the savings is formed by investing the available amounts in highly profitable assets, which only Rosvoenipoteka has the right to choose. How to find out how much money has accumulated in the account by the current day? Can I start applying for a loan? Turns out it's pretty easy to do.

How can I check my account balance?

The easiest way is to send a regular request to the place of duty. In a short time you will receive a comprehensive answer. The same Rosvoenipoteka will give it to your leadership. How to find out how much is in the account,if you do not want to wait a long time for an answer? You can do it yourself quickly enough. To do this, you need to go through a standard and simple registration on the Rosvoenipoteka website. That's what it's called - rosvoenipoteka.ru. All information about the participants in the program called "Military Mortgage" is stored there. How to find out how much money is in the account? Just go to the "Personal Account" and send the appropriate request. In addition, every year, before April 15, a participant in the NIS program will certainly receive a letter containing information about the state of the savings account.

Registration on the site

So, we go to the website of the organization "Rosvoenipoteka". How to find out how much is on the account by registration number? To do this, you will need to enter your data in the form on the site. It is very easy to do this. We find on the site (top right) a button with the inscription "Registration", click on it and enter the standard items: last name, email address, the password you invented. Now we are looking for the inscription “Change data” and enter additional information: the final 10 digits of the NIS participant number, the date from which you had grounds for registration in the register. Then click "Save". After all the necessary data is filled in, you can send a request to the specialist about the status of your personal savings account.

Conclusion

As you can see, information about how much money is in the account (“Military mortgage”) is incredibly easy to find out. Having received all the necessary information, you can accurately calculate when exactly it will become possiblelong-awaited real estate acquisition.

It is also worth paying attention to a few more points. Firstly, in the case when a serviceman voluntarily leaves the armed forces without serving in the army for 10 years and not having time to exercise the right to purchase housing on a military mortgage, all accumulated funds are subject to return to the state budget. The personal account is then closed. Secondly, if the apartment was nevertheless bought, and the serviceman quit before serving the coveted 10 years, he is supposed to return all the money received. The term is set at the discretion of Rosvoenipoteka. It depends on the solvency of the borrower and the amount of debt. Housing at the same time remains the property of the former army man. And he will have to pay the rest of the amount due for him on his own.