TSZhZ for a soldier. Accumulative-mortgage system of housing for military personnel

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

The times when everyone could get housing from the state are over. Now the solution of the housing problem falls on the shoulders of those in need. Since 2005, a special Targeted Housing Loan (CHL) system has been in operation for servicemen. The essence of this program will be discussed in this article.

Mortgage

To buy an apartment as collateral through a bank, you need to make a down payment and pay a certain amount of money every month. Such a scheme may be suitable for representatives of typical professions with a stable level of income, but not for people who have devoted their entire lives to public service. Especially for them, in 2004, the government developed a savings mortgage system (NIS).

The essence of the program is as follows. The NIS participant receives a monthly subsidy to his account, which he can use only to pay the mortgage advance. In 2013, its size was 18.5 thousand rubles. For the year it was possible to accumulate 222 thousand rubles. The amount of the subsidy is the same for all employees, but annually it is indexed upwards. In 2014, this amount was 233.1 thousand rubles.36 months after participation in the program, you can submit a report for the issuance of a certificate (CLR) for a military member. This is the starting point in getting a mortgage. Although the money is credited to the borrower's account, he cannot use it until a certain time. Therefore, formally, a person receives funds in loans. The program is aimed not only at providing housing for a certain category of citizens, but also at forming an army. Having received a loan from the state, a person cannot quit of his own free will. Otherwise, all funds will have to be returned to the budget.

The money accumulated in the borrower's account is multiplied by investing using reliable financial instruments. Funds can only be received in cash upon separation from service and under certain conditions.

Next steps

After receiving the documents, it's time to start looking for an apartment. The CZHZ certificate for a serviceman is the approval of the borrower by the bank, confirmation of his solvency. You can choose apartments in a ready-made house or a new building. The object on the primary market must be accredited by the Federal State Institution Rosvoinipoteka. There are few of them. After the client has made a choice, you can contact the bank to draw up an agreement.

To get a loan for military personnel, you need to fill out a questionnaire, an application for a loan and open an account, provide a package of documents and a report on the cost of an apartment. Papers are considered within 10 days. After receiving approval, the employee must come to the office to sign the contract. MoreIt takes 12 days to transfer funds from FGU Rosvoinipoteka to the bank. The amount of the transaction is equal to the advance payment. Then the borrower's account is credited and own funds. This money is received by the seller after registration of documents and transfer of ownership. This is how a loan is issued for military personnel under a contract.

Who can participate in the program?

According to Federal Law No. 117 "On NIS", these can be military men who serve on a contract basis in the ranks of the Armed Forces of the Russian Federation. Availability of housing before the application is submitted does not affect the decision.

NIS should definitely participate:

• graduates of specialized institutions who signed the first contract after 2005-01-01;

• Reserve officers or volunteers who entered service after 2004;

• warrant officers, midshipmen who have worked for more than three years after 2005-01-01;

• military personnel who received the rank of officer after 2007.

Voluntarily participants of the program can become:

• sergeants, foremen, soldiers, sailors who entered into a new contract after 2004;

• graduates of specialized institutions who were dulled to serve before January 1, 2005;

• officers who received the rank from 2005 to 2007 inclusive and served under the contract for at least 3 years;

• warrant officers, midshipmen who worked for more than 36 months after 2005-01-01, but signed the first contract before this date;

• Graduates of 2005-2007 who received their military rank during their studies.

Mortgage conditions

If a soldier becomes a member of the NIS, a savings account is automatically opened in his name. For graduates of educational institutions in 2005 and later, as well as persons who completed the junior officer training course after 2008-01-01, such a basis is the receipt of an officer rank. For ensigns, midshipmen who have served for three years - the conclusion of the first contract. Volunteers to participate in the program must write a report to the commander. The date of its registration in the register will be considered the basis for inclusion in the NIS.

Each serviceman is assigned a number, on the basis of which FGU Rosvoinipoteka opens a savings account. Notification of the inclusion of a person in the register is sent to the part.

Exit the program

In case of dismissal from service, death, recognition of a person as missing, he is expelled from the NIS. The savings account is closed, and all funds, depending on the circumstances, are transferred to the military family or returned to the federal budget.

Three years after the account is opened, the borrower is eligible to use the funds to purchase a home. After applying for a loan, a subsidy will still be received for l / s. The accumulated amount by the time of dismissal from the army can be received in cash. It is allowed to spend this loan on improving housing conditions or for other purposes. The same opportunity appears for persons who have served for more than 20 years. A military man with ten years of service can also receive money in cash,if he was fired:

• in connection with the achievement of the maximum term of service;

• due to being declared unfit for work for he alth reasons;

• for family reasons, which are provided for by law;

• as a result of organizational activities.

In case of death, death, recognition of a person as missing, the accumulated amount is paid to members of the military family. In other situations, the money is returned to the budget.

How to buy an apartment?

Accumulated funds from the CHL program can be used to make an advance payment and part of the monthly payment. The maximum loan amount is calculated on the basis of contributions that must be in the serviceman's account by the time he turns 45 years old. Since the amount of the subsidy is annually regulated by law, the limit is calculated taking into account indexation, inflation forecasts and interest rates. Funds are transferred to a bank account only for making an advance payment or monthly loan installments.

Algorithm for obtaining the ICL

1. Report addressed to the unit commander.

2. FGU "Rosvoenipoteka" draws up a certificate.

3. Loan Limit Calculation.

4. Finding an apartment.

5. Applying for a Targeted Housing Loan.

6. Getting a positive decision.

7. Signing an agreement with the bank.

8. Checking the conditions of FGU Rosvoenipoteka.

9. The signing of the contract ZZhZ.

10. Transfer of funds to the bankto make an advance payment.

11. Conclusion of a sale and purchase agreement with the seller and registration of housing.

12. Transferring a package of documents to the bank.

13. Transferring money to the seller.

What does the certificate say?

The document contains information on the following issues:

• Name of participant;

• LCL validity;

• amount of funds on the accumulated account;

• personal account balance.

Within 30 days after signing the form, a certificate is issued. Then it is sent by express mail to one of the branches of the Federal State Institution "Rosvoenipoteka" or to the commander of the unit. The document is valid for 6 months. If during this time the certificate has not been implemented, it must be handed over to the local branch of the FGU.

How is a military loan repaid?

Money used within the framework of the NIS, after 20 years of service, is transferred from the category of a targeted loan to a gratuitous subsidy. If a person quits before this period, he must return the funds with interest within 10 years. The CPL agreement provides for an annuity debt repayment scheme.

Insurance nuances

The bank can resell the mortgage. When changing the owner, the borrower needs to make changes to the insurance contract. The serviceman learns about this from an official letter from the bank. After receiving the notification, you need to come to the insurance company within the agreed time and re-sign the contract.

Military mortgage: Sberbank, VTB

The borrower can independentlychoose a credit institution for registration of the contract. Conditions are almost the same everywhere:

- the minimum age of the borrower is 21;

- at the end of the contract, the serviceman must be under 46 years old.

The difference lies in the interest rate and the maximum amount that can be received under the Military Mortgage program. Sberbank provides its customers with loans at 10-12% per annum for 20 years, subject to a 10% advance payment. The maximum amount is 2.17 million rubles. Based on the agreed conditions, the maximum age of the borrower at the time of signing the documents is 25 years. The big advantage of this scheme is a small commission for the use of borrowed funds. For comparison: the interest rate on any other Sberbank mortgage program starts at 12%. VTB provides a loan to military personnel for up to 14 years at 12.5% per annum. The borrower must pay a minimum of 20% of the cost of the property as a down payment. The maximum loan amount is 1.9 million rubles.

What do you need to ask the bank?

Ask the financial institution for the following information:

• Loan limit;

• list of required documents;

• Creditor's claims to the acquired premises;

• List of partners accredited by AHML when it comes to buying an apartment on the primary market.

Until the housing is approved by a credit institution, you should not transfer money from your savings account. It is not a fact that the seller wants to return the deposit if the bank refusesin issuing a loan.

Acquired housing becomes the property of a serviceman from the moment of registration of documents. But the right to dispose of it will be limited, since it is a pledge in the repayment of the loan. The owner will not be able to sell real estate until he fully repays the debt to the bank.

A few more nuances

1. The NIS participant can live in the purchased housing, rent it out (subject to the availability of permission from the Federal State Institution Rosvoenipoteka).

2. Military personnel are en titled to a tax deduction. Reimbursement is subject to funds contributed in excess of the CZHZ, as well as the cost of finishing and designing an apartment in a new building. The deduction is possible as long as the total amount of expenses does not exceed 2 million rubles.

Conclusion

TSZhZ for a military man - confirmation of the client's solvency, the opportunity to buy an apartment on credit on favorable terms. After 3 years of participation in the NIS, you can apply for a certificate. Based on this document, the bank calculates the maximum loan amount. Then you can start looking for a specific offer in the market. The terms of the mortgage are as follows: the loan is granted at a preferential interest rate (10-12.5%) for up to 20 years. The amount accumulated under the program is used to pay the advance, and then to pay off part of the monthly payment. After 20 years of participation in the NIS, the money can be withdrawn in cash.