Help for mortgage borrowers telephone. AHK program: state financial support for those in need of housing

New rules for the state program to help mortgage borrowers who find themselves in difficult financial situations came into force in Russia on August 22. At the end of July, Russian Prime Minister Dmitry Medvedev signed a decree allocating another 2 billion rubles from the government reserve fund for the program as a contribution to the authorized capital of the Housing Mortgage Lending Agency (AHML), and on August 11 - a decree clarifying the conditions for the implementation of the program.

According to the government, the allocated funds will make it possible to restructure at least 1.3 thousand mortgage housing loans, c-ib.ru reports.

The program itself came into force seven days after the official legal information was published on the website, explained Alexey Nidens, managing director of the Agency for Housing Mortgage Lending (AHML, program operator).

“But borrowers can seek advice and submit an application to banks for participation in the program now - the procedure for working under the program is already well known to most credit institutions,” says Niedens.

As AHML clarified, 97 banks that collaborated with AHML previously under the previous version of the program are participating in the program.

AHML official website program for assistance to mortgage borrowers 2017: who can take part in the state program

Borrowers will be able to take part in the program if at least 12 months have passed from the date of receiving a mortgage loan to the date of filing an application for restructuring, and their monthly loan payment has increased by at least 30%. The collateral housing must be the only home of the mortgagor's family. In this case, it is allowed for the aggregate share of his family members in the ownership of no more than one other residential premises in the amount of no more than 50% from April 30, 2015.

The new stage of the program to support mortgage borrowers provides for more flexible criteria for providing assistance than in the old program, says Deputy Minister of Finance Alexei Moiseev.

This will be facilitated by a special interdepartmental commission, which should be created before September 1, 2017. The composition of the commission and the procedure for its work will be determined by the Russian Ministry of Construction. The commission will have the right to make decisions on providing support to citizens who formally do not meet certain conditions of the program, but are in dire need of it.

For example, by decision of the interdepartmental commission, in exceptional cases, the basic amount of assistance from the state can be increased from 1.5 million rubles, but not more than twice.

“Mortgage borrowers who took out a loan both in rubles and in foreign currency will be able to apply for participation in the program. The size of the monthly payment on a foreign currency loan may increase due to changes in the exchange rate, and for a loan initially in rubles - for example, due to an increase in the interest rate, if it was not initially fixed for the entire loan term,” AHML explained to TASS.

AHML official website assistance program for mortgage borrowers 2017: Ruble and foreign currency mortgages

The basic amount of assistance from the state will be 30% of the balance of the loan amount, but not more than 1.5 million rubles, in special cases - up to 3 million rubles.

The restructuring of a ruble mortgage will take place at a rate not higher than that in effect on the date of concluding the restructuring agreement.

Borrowers are also exempt from paying penalties under the terms of the loan, but payments already made for penalties are not refundable. They are also prohibited from charging fees for loan restructuring.

If the loan was issued in foreign currency, it must be changed to rubles at a rate not higher than that established by the Bank of Russia at the time of loan restructuring.

At the same time, the rate on a restructured foreign currency mortgage should not be higher than 11.5%.

To reduce loan obligations, the borrower may be offered one of the types of restructuring: for loans previously issued in foreign currency, it is possible to change the currency to rubles at a rate lower than that established by the Bank of Russia at the time of concluding the restructuring agreement; one-time forgiveness of part of the loan amount.

When concluding a restructuring agreement, the lender does not have the right to charge fees to the borrower for actions related to the restructuring, or to shorten the loan term.

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In January-February of this year, 1,341 mortgage housing loans were issued in the Kursk region. The volume of loans issued in this profile amounted to 2.3 billion rubles, which is 11.5% higher than the same figure last year.

The Krasnoyarsk Regional Housing Construction Fund has started accepting applications for the updated “Family Mortgage with State Support” program.

By the end of the year, the authorities of Adygea will allocate more than 240 million rubles to improve the living conditions of young families; this year, 339 families will participate in state programs, the head of the republic, Murat Kumpilov, said on Monday at the first ceremony of presenting housing certificates this year.

The state strives to ensure mortgage lending is accessible to every person. The implementation of this goal is a key element of the activities of the Housing Mortgage Lending Agency.

The official website of AHML is dom.rf. To access the web page, you must click on the following link.

The main page of the portal illustrates basic information about the company:

• Main news and announcements of the organization;
• Analytical data;
• Mortgage rates
• Interesting videos about choosing the right housing
• Inflation rate and so on.

At the top of the web page, the applicant can click on links of interest to him, such as mortgage, rent, land, about the company, and so on.

Since 2018, the division has changed its name from “AHML” to “DOM.RF”. The main task is to help provide housing to citizens and ensure accessibility and transparency in choice.

To achieve the main goal, the company implements the following functional responsibilities:

• Development of secondary housing mortgage lending;
• Development of residential rentals;
• Providing state-owned land plots for auction for sale;
• Renting out for the purpose of residential construction, taking into account all the requests of the developer;
• Transfer of land to defrauded shareholders or large families;
• Creation of a bank on the basis of which clients can receive all services related to the selection, purchase, registration of residential premises, with subsequent servicing;
• Ensuring reliability. Works only with trusted credit institutions and developers;
• Formation of favorable infrastructure by supporting the quality of improvement processes, development of the urban environment and taking into account the social and economic directions of the country.

DOM.RF is developing steadily. In its growth strategy from 2016 to 2020, it set goals such as increasing the volume of mortgage lending to 500 billion rubles, involving up to 14 thousand hectares of state land, and so on.

Must remember! To ensure you don't miss important news regarding mortgages, home construction or residential building laws, you should regularly visit the site to monitor announcements. For convenience, you can save the link in your bookmarks to save time.

Personal Area

Interaction with AHML takes place through VTB Bank or your personal account, which can be accessed via the link.

The borrower’s account allows you to make various transactions without a VTB intermediary, such as:

• Submitting an application for partial or full repayment of debt;
• Control over overdue debts;
• Receiving data on completed payments and repayment history;
• Checking information about the debt balance, monthly payment, and so on.

Important. To always be aware of the news of overdue debts and the date of debt repayment, you should register on the home.rf portal. and receive all the necessary information directly to your email. To register, you need confirmation of the service agreement and information about your full name, date of birth, mortgage number and contact phone number.

How to get a mortgage

To obtain a mortgage you must do the following:

1. Filling out an online application, after which a bank employee contacts the borrower to select optimal loan conditions;
2. Collection of necessary documents to confirm the application. The review period is up to two days;
3. Choosing appropriate housing. The company manager contacts the borrower to help with the choice;
4. Obtaining a mortgage in one of the partner branches.

The list of partners can be checked in the “Mortgage Products” tab by clicking on “our partners”.

A window will open with a selection of appropriate partners, depending on the location. Partners operate throughout Russia; just select the required city or region from the list.

How to calculate a mortgage?

The website provides an online calculator that allows you to calculate the term and amount of the monthly payment.

To do this, you need to select a mortgage program, housing cost, maternity capital (optional), down payment and desired mortgage term.

For example, if you choose the “New Building” program, the cost of housing will be 2,000,000 rubles, the down payment will be 400,000 rubles and the loan term will be 15 years, and the interest rate and monthly payment will be:

Types of mortgage products and requirements for borrowers

The AHML service has many advantages, such as:

• Conducting all transactions at the state level, which minimizes financial risks;
• Savings due to the absence of commissions;
• Providing an online service that allows you to control completed actions, repayment terms, and so on.

Important!

The list of necessary documents for registration of a particular program can be found at the link https://xn--d1aqf.xn--p1ai/mortgage/how/loandocs/

DOM.RF offers the following types of mortgage programs:

1. Ready housing. The interest rate ranges from 9.25% to 9.75% (depending on the down payment).

Requirements:

• Borrower's age is from 21 to 65 years;
• Work on a permanent basis for at least 6 months;
• The loan term is from 3 to 30 years and so on.

1. New building. Interest rate from 9.0% to 9.50%, which depends on the total loan amount.
2. On-lending. The interest rate ranges from 9.0% to 9.50%. A facility under construction can be at any stage of construction.

Previous loan requirements:

• No overdue debts;
• Payments have been made for six interest periods;
• No restructuring.

1. Family mortgage. Interest rate from 6%. The product is provided to families whose second or third child was born from 2018 to 2022. The first required payment must be at least 20% of the housing amount.
2. Secured by an apartment. Rate from 9.25%. The minimum loan amount is 500,000 rubles. The requirement for an apartment is that the owners of the property cannot be minors or incapacitated persons.
3. Military mortgage. Interest rate from 9.0%. Down payment from 20%. The borrower must be over 25 years old. The maximum loan amount is about 2.5 million rubles.
4. Regional programs. It has a relatively low interest rate (from 6%). Participants in the program are determined by the regional government. These could be young or large families, budget employees, and so on.

Important. A list of areas in which regional programs are held can be found here.

1. Social mortgage. The program was compiled by the government of the Moscow region. Participants are doctors, teachers, young scientists or unique specialists. The program applies to people who work in Moscow and also to those who want to move to the capital. The advantage is that the borrower is provided with ready-made housing for free at the expense of the state; he only pays accrued interest.

Important. The list of required vacancies and all the necessary information about social mortgages can be found on the official website.

State program for assistance to borrowers

The organization helps borrowers in purchasing a home who find themselves in difficult financial situations.

Program participants can become:

• Parents of minor children or disabled children;
• Veterans;
• Disabled people;
• Parents whose children are studying full-time and are under 24 years of age.

To receive support, you must do the following:

• Contacting the bank;
• Clarification of opportunities for receiving assistance;
• Collection of necessary documents;
• Receiving a final decision.

Important. Additional information about the state program can be obtained from the link.

Attention! All information on this site is presented for informational purposes only. The site does not collect or process personal data. Federal Law No. 152-FZ of July 27, 2006 “On Personal Data” is not violated.

Instability of economic realities and the emergence of private life difficulties may lead to the fact that previously assumed obligations to repay the mortgage debt cannot be fulfilled by the borrower in the same amount. Banking organizations are interested in ensuring that citizens do not accumulate loan debt, so they restructure the debt or give credit holidays. But all these steps are not always able to help families who find themselves in difficult situations.

To receive government support, you must meet the established criteria and go through the registration procedure.

Since 2016, a government program began to operate aimed at helping mortgage borrowers who, due to current circumstances, cannot repay their loan. Certain amounts of money are allocated from the budget, which are used to partially repay the mortgage debt.

Mortgage as a special lending program was developed and implemented in the Russian Federation to enable citizens to purchase real estate without major initial investments. The very essence of this program is to help people. Many families have the opportunity not to save for many years for housing, but to buy it today and, while living in it, pay off the borrowed amounts. The mortgage is issued for a period of up to 30 years, and all funds spent on housing, along with interest for their use, are paid in monthly installments.

The mortgage program is good and convenient for everyone, but it also has a significant disadvantage - you cannot predict your well-being for decades to come. Every person's life undergoes changes and, unfortunately, not all of them are positive. Over many decades, a citizen can start a family, children, lose a high-paying job or even health. The very principle of mortgage lending implies that if a person can no longer pay monthly installments, the living space is sold and the bank takes the balance of the unpaid debt, and the difference in the amount is returned to the former borrower. Of course, such an outcome is considered deplorable, because years of contributions go down the drain, not to mention the fact that the home owner ends up on the street. To prevent such a situation, a state program to support mortgage borrowers was developed in 2015.

Legislative framework

This system began to operate in 2016. Its foundations are set out in Decree of the Government of the Russian Federation No. 373 “On the main conditions for the implementation of the assistance program...” dated April 20, 2015. For less than two years it was suspended, but then resumed again. In August 2017, the Government of the Russian Federation decided to resume the program that had been stopped by that time, which was enshrined in Resolution No. 961 of August 11, 2017. The expiration date for state support was not specified and in 2018 it is valid to the established extent. To date, government support has been provided to almost 19,000 families who find themselves in a difficult financial situation.

Resolution No. 373 has been constantly refined and improved since its first adoption; new significant points were introduced into it that improved the interaction procedure and took into account the interests, first of all, of borrowers. The document specifies the basic conditions for participation in the program and the amount of funds allocated from a special government fund. In 2017, two billion rubles were allocated for the implementation of the program.

Supporting body

The program of state support for mortgage borrowers is carried out through the Ministry of Construction of the Russian Federation, and is directly implemented by the joint-stock company “Agency for Housing Mortgage Lending” (AHML). This structure is authorized to consider candidates applying for monetary government support and to stimulate housing lending.

AHML is a state organization and its budget consists of 100% state capital money. This structure has a clear purpose - to provide support to banks that engage in long-term mortgage lending.

Cooperation between banks and AHML takes place according to the following scheme:

1. A citizen applies to a credit institution and receives a loan from it to purchase housing.
2. If certain conditions are met, the borrower turns to AHML for state support. The allocated money is not given in cash to the needy, but is transferred directly to the creditor for partial repayment of the debt.
3. The bank restores its financial reserves using the funds issued, and the transferred amount is written off from the payer’s debt.

In such operations, the bank respects its interests, and the borrower receives financial support from the state and extends the possibility of repaying the debt.

Borrower categories

Government Decree No. 373 provides a complete list of citizens who have the right to count on participation in the developed program. The list was approved in 2015 and slightly adjusted in November 2016. It includes:

1. Parents who have one or more minor children.
2. Guardians or trustees raising one minor child or more children under 18 years of age.
3. Citizens who took part in hostilities.
4. People with any degree of disability, subject to official confirmation of this fact.
5. Parents raising a disabled child.
6. Parents who support children over 18 years of age, but under 24 years of age, provided that they are full-time students in educational institutions.

The conditions apply only to people who have Russian citizenship, a Russian passport and permanent registration in Russia.

Requirements for borrowers

Repayment of a mortgage at the expense of the state is possible, but it is necessary to meet established requirements. The borrower must fall under one of the listed categories and be a citizen of the Russian Federation, but this does not guarantee that assistance will be provided.

One of the most important indicators is the level of wages at the moment and the ratio of the size of the loan payment on the day of registration and on the day of applying to AHML. The applicant must have a low monthly income. The salary limit is calculated as follows:

1. The mortgage payment amount is deducted from your monthly income.
2. The remaining amount should not exceed twice the minimum subsistence level. The PM of a specific region is taken as a basis. The amount of income is divided among all family members.

The calculation takes into account data for the last three months. AHML specialists proceed from the fact that the previously established loan payment should increase by at least 30%. This situation often occurs for those citizens who have taken out a foreign currency mortgage or taken out a loan at a floating interest rate.

Loan requirements

To receive financial assistance, it is extremely important that the loan itself meets the established requirements. They apply mainly to the amount of the mortgage loan. It is extremely unreasonable to set any restrictions in monetary terms, because the cost of residential properties varies depending on the region and locality, so the requirements are put forward directly to the real estate taken on a mortgage. Collateral housing must meet the following criteria:

1. The area of ​​the property must be no higher than 45 m2 for a 1-room apartment, 65 m2 for a 2-room apartment and 85 m2 for a 3-room apartment.
2. The cost of one square meter is calculated based on the average price in a given locality. Exceeding the average is allowed by no more than 60%.
3. The mortgaged property is the borrower's only living space. If he has a share in other premises, then it is important that it does not exceed 50% of the total area. Data on the availability of other real estate is taken from 2015.

Please note that all of the above restrictions on credit and living space do not apply to families with three or more minor children.

Conditions for participation in the program

You can apply for state support only if you meet one of the main conditions, which is often not taken into account by debtors - the mortgage loan must have been issued at least a year ago. If the loan was taken out just a few months ago, you should not count on debt restructuring. All efforts of the state are not aimed at freeing the borrower from loan obligations. Support only reduces payments to an acceptable level, leaving the citizen with an amount that he can repay on his own.

You can count on financial assistance only once. Moreover, if the application is rejected due to insufficient grounds, the citizen can appeal to a special interdepartmental commission. It was approved in 2017 and allows for a more individual approach to considering situations. The commission can not only decide on the need for assistance on a previously rejected application, but also increase the amount of compensation by any number of units, up to 100%.

Help format

The final result of government assistance is expressed in monetary terms, but which format will be chosen in each specific case depends on many circumstances. There are two main ways to reduce your monthly payments:

1. Reducing the borrower's debt obligations.
2. Converting a foreign currency loan into ruble equivalent.

The choice of option depends, first of all, on the initial data of the loan taken.

The state support program was developed after the economic crisis significantly weakened the financial capabilities of payers. A few years ago, mortgages were issued at variable rates, since this aspect was not regulated by the state. This procedure well protects the credit institution itself from loss of profit, but for the borrower it can become a debt trap, which is what actually happened to many payers.

Difficult circumstances and the fact that the income level of a large number of citizens has seriously fallen, had a negative impact primarily on their solvency.

Reducing the borrower's obligations

The borrower's obligations are reduced according to a certain scheme. The first thing the financial institution decides is how much to compensate the applicant. There is no established minimum size in this case, but there is a maximum. Often 20-30% of the total balance owed on the mortgage is reimbursed. It is stipulated that the amount of state support should not exceed one and a half million rubles.

The following categories of citizens will be able to repay 30% of the debt:

1. The family has two minor children.
2. Disability has been established.
3. Parents are raising a disabled child.
4. The applicant is a combat veteran.

Families with one child can receive only 20% of the remaining mortgage debt. Please note that an exception may be made to this rule if the interdepartmental commission decides that a large amount of debt must be paid.

It is important to determine not only how much money will be compensated from budget funds, but also how it is provided. There are two options for assistance:

1. The entire agreed amount is written off from the debt balance, after which the amount of monthly payments is recalculated.
2. The provided amount of money is divided into parts, each of which will be used to compensate for the monthly payment. In this case there are two significant limitations. Firstly, you can compensate no more than 50% of the monthly contribution. And secondly, the duration of such payment should not exceed 18 months.

Which option to choose is decided between the borrower and the lender, but the prerogative is given to the citizen, because the financial organization loses nothing in either case.

Replacing foreign currency mortgages with ruble ones

Many mortgage borrowers found themselves in the unpleasant situation of financial collapse precisely because at one time they took out a loan in foreign currency. Long-term stability in the foreign exchange market weakened the vigilance of citizens, and it began to seem that nothing would shake the current situation. The amount of mortgage loans taken due to the jump in the exchange rate increased several times. And given the interest rate applied to them, repayment of dues has become simply unrealistic.

The state support program allows citizens who have taken out a mortgage in foreign currency to convert the loan into the ruble equivalent.

The restructuring of such loans is carried out not at the established rate, but according to the laws adopted today. The interest rate applied to the ruble equivalent should not exceed that provided by the bank today for issuing mortgage programs. The rate can be increased only in one case, if the borrower has violated the established insurance rules provided for in the loan agreement.

Documents for restructuring

Financial organizations consider an application for debt restructuring with the help of state support only if the borrower provides the required package of documents for consideration of his candidacy. Information about his financial and family situation must be confirmed and fit the conditions of the program.

The list of documents consists of the following forms:

1. Passport.
2. Valid loan agreement.
3. Documents for minor children - birth certificates.
4. Certificate of disability or participation in hostilities and receipt of veteran status.
5. A certificate from a medical institution if a minor child has a disability.
6. Certificate of income for the last three months.
7. A copy of the work book from the employer or its original if the person is not working at the moment.
8. A certificate from an educational institution stating that the adult child is a full-time student.
9. Guardians and adoptive parents must provide a decision from the guardianship authorities and a court order.
10. Extract from the Unified State Register.
11. Insurance policy.

The list may be supplemented at the discretion of the credit institution. Attached to the article is a sample application for mortgage restructuring.

Procedure

To receive government financial support to repay part of the remaining mortgage loan, the borrower will need to go through a step-by-step procedure. It consists of the following steps:

1. A package of documents is submitted to the credit institution that issued the mortgage loan.
2. The bank reviews the submitted application and issues its verdict.
3. If the decision is positive, the applicant moves on to the next step, and if the decision is negative, he can contact the interdepartmental commission for a more detailed consideration of the circumstances and a more individual response.
4. A new loan agreement is concluded or an additional agreement is prepared to an existing form.

First, the bank repays the difference from its own funds, but then the entire specified amount is compensated by AHML

Contacting the bank

Many borrowers complain that the bank refuses to restructure their mortgage loan, not wanting to consider documents for receiving government support. It should be taken into account that not all credit institutions are included in the AHML list, which complicates the possibility of cooperation. If the refusal is the initiative of the bank, then you can safely submit an application to the interdepartmental commission, since such actions are considered unlawful.

A borrower who, in his own opinion, meets the established requirements and conditions of state support is required to fill out an application form. This form is confirmed by the collected documents and submitted to the creditor for examination and a final verdict.

A positive decision results in a revision of previously established payment amounts. Before signing new agreements with the bank, you should decide on the method of compensation - one-time or in installments to pay off monthly payments.

Contacting AHML

The entire registration procedure is carried out in close cooperation between the bank and AHML. If the process follows a standard path, then the citizen will not have to apply to AHML on his own; this will be handled by the lender. The bank submits the already reviewed documents to the agency, which, based on them, transfers the agreed amount of compensation to the financial organization.

If the creditor rejected the application for debt restructuring or decided to compensate only a small part of it, which, in the opinion of the property owner himself, is unjustified, a commission review of the situation can be initiated. In some cases, the commission may decide to pay 100% of the debt, but for this purpose the reasons must be very compelling.

Sample documents

You might be interested

Extension/renewal of the preferential rate period:

If the Borrower/Title Co-borrower, who received a loan with a preferential rate, in connection with the birth of a second child, has a third child (no later than December 31, 2022), then the validity period of the preferential rate may be extended/a preferential rate may be established again, subject to the provision to the Bank of the child’s birth certificate, and, if necessary, another document confirming the child’s citizenship of the Russian Federation.

The period for which the preferential rate is extended/reestablished:

• for 5 years from the date following the expiration date of the period equal to 3 years from the date of granting the loan (at the birth of the third child and providing supporting documents to the bank within 3 years from the date of granting the loan);
• from the nearest Payment Date following the day the Borrower/Co-borrowers provide supporting documents to the bank, for a period of, not exceeding 5 years from the date following the expiration date of the period equal to 3 years from the date of granting the loan (at the birth of the third child within 3 years from the date of granting the loan and in the case of providing supporting documents after 3 years from the date of granting the loan);
• from the nearest Payment Date following the day the Borrower/Co-borrowers provide supporting documents to the bank , for a period not exceeding 5 years from the date of birth of the third child(at the birth of the third child after 3 years from the date of loan provision).

* if the borrower refuses to renew/terminate the life insurance contract, the annual interest rate on the loan will be increased to the maximum allowable interest rate within the framework of the Lending Program, namely: the key rate of the Central Bank of the Russian Federation on the date of loan issuance + 2 p.p.

** for the period until the first change in the key rate of the Central Bank of the Russian Federation. After the first change in the key rate of the Central Bank of the Russian Federation, the interest rate is set at the level of the key rate of the Central Bank of the Russian Federation on the date of loan issuance, increased by 2 percentage points.

*Over 21 years of age, provided that the loan repayment period under the agreement occurs before the Borrower/eldest co-borrower turns 75 years old
** This requirement does not apply to clients receiving salaries into a Sberbank account.
*** In order to increase the maximum loan size, inclusion in the composition of Co-borrowers is allowed if the requirements for the Borrower are met, incl. by age and solvency (with the exception of mandatory compliance with the requirement for the birth of a second and (or) third child).

Main documents:

When confirming income and employment:

• passport of the borrower/co-borrower with a registration mark;
• passport of the borrower's spouse/title co-borrower
• a valid marriage contract, if available
• a document confirming registration at the place of stay (if temporary registration is available);
• documents confirming the financial condition and employment of the borrower/co-borrower.

If another property is pledged as collateral for a loan:

Documents that can be provided after approval of the loan application:

• Documents on the residential premises being loaned (can be provided within 90 calendar days from the date of the Bank’s decision to issue a loan);
• Documents confirming the presence of a down payment.

Birth certificates of all children of the Borrower/Title Co-borrower, as well as the Co-borrower(who is not in a registered marriage with the Title Co-borrower and is the parent of the second and/or third child of the Title Co-borrower, and, if necessary ( if the child’s birth certificate does NOT contain a note on citizenship!) other(s) document(s) confirming children have citizenship of the Russian Federation.

Attention! The list of required documents may be changed at the discretion of the Bank.

The loan is provided to citizens of the Russian Federation in the branches of Sberbank of Russia:

• at the place of registration of the borrower/one of the co-borrowers;
• at the location of the property being financed;
• at the place of accreditation of the company-employer of the borrower/co-borrower.

Loan application review period

Within 2 - 5 working days from the date of provision of the full package of documents.

Procedure for granting a loan

One time.

Loan repayment procedure

Monthly annuity (equal) payments in each period the rate is valid.

Partial or full early repayment of the loan

It is carried out upon an application containing the date of early repayment, the amount and the account from which funds will be transferred. The early repayment date indicated in the application must fall exclusively on a business day.
The minimum amount of an early repayable loan is unlimited.
There is no early repayment fee.

Penalty for late loan repayment

The penalty* for late repayment of the loan corresponds to the amount of the key rate of the Bank of Russia in force on the date of conclusion of the Agreement, from the amount of the overdue payment for the period of delay from the date following the date of fulfillment of the obligation established by the Agreement to the date of repayment of the Overdue Debt under the Agreement (inclusive).

*According to loan agreements concluded from July 24, 2016.

Tax deductions

Tax deductions apply to the amount of interest paid on the target mortgage loan. The amount of deduction is 13% of all interest paid. The amount of property tax deduction provided for the purchase of an apartment, residential building, room (or share) has been increased from 1 million to 2 million rubles*. Thus, now, when purchasing an apartment, you can reimburse the amount of tax in the amount of up to 260,000 rubles.

You can obtain detailed information on the website of the Federal Tax Service http://www.nalog.ru.

* - The new rule applies to everyone who bought real estate after January 1, 2008 and has not previously received a property tax deduction.

A convenient way of non-cash payment for real estate between buyer and seller without additional visits to the bank.

• Profitable

The cost of the service is only 2000 rubles

• Fast

Registration in 15 minutes

• Safely

Safety of money and respect for the interests of the parties

How does the service work?

1. The buyer transfers funds to a special account of the Real Estate Center from Sberbank
2. The real estate center from Sberbank requests information from Rosreestr about registering a transaction
3. After registration, money is credited to the seller's account

Benefits for the buyer

Registration of the service takes 15 minutes. There is no need to withdraw cash from the cash register, count it, deposit it into a safe deposit box or take a receipt. The money is kept under reliable protection until the transaction is registered in Rosreestr, after which the buyer receives a notification that the transaction has taken place. Only after this the money is transferred to the seller’s account.

Take advantage of the real estate insurance programs (as part of a mortgage), as well as the life and health of the borrower at Sberbank Insurance LLC and Sberbank Life Insurance LLC - 100% subsidiaries of Sberbank PJSC:

• Simple, convenient and fast registration. For example, when renewing an insurance contract, you do not need to submit a copy of it to Sberbank yourself; the documents are sent automatically
• Availability of the ability to resolve the issue online: from signing an insurance contract to settling losses due to an insured event
• The conditions of the insurance programs comply with the Requirements for the conditions for the provision of insurance services within the framework of Sberbank credit products 1
• The insurance tariff/cost of insurance when prolonging the insurance contract for the second and subsequent years is 10% lower
• If an insurance event occurs, you can contact any Sberbank branch, regardless of where the contract was drawn up
• You can issue a policy in a few minutes on the DomClick website, on the website of insurance companies - Sberbank Insurance LLC and Sberbank Life Insurance LLC, or at any Sberbank branch.

Life and health insurance under the “Protected Borrower” program 2

What's included in the program?

Insurance is provided in case of:

• Death of the Insured Person
• Establishing a disability or group for the Insured person

What are you getting?

• The insurance rate is determined individually depending on the gender and age of the client.

Detailed insurance conditions can be found on the website.

Mortgage insurance 3

What's included in the program?

Insurance of the property pledged (except for the land plot) against the risks of loss and damage.

Additional benefits:

• 1 additional month of validity of the insurance contract when issued at Sberbank branches

The beginning of 2008 was marked by the onset of an economic crisis in the country, which led to a sharp weakening of the national currency, the ruble, and, as a consequence, an increase in the exchange rates of major foreign currencies. All housing loan borrowers, especially those who took out a mortgage on real estate in dollars or euros, suffered from this.

Numerous public rallies that took place across the country forced the state to look for ways to stabilize the situation in the mortgage lending market, which ultimately led to the creation of the AHML program to assist mortgage borrowers, which is also valid in 2018-2019. The main conditions of the program, package of documents, form and amounts of support are described below.

By adopting Resolution 373 in 2015, the Russian government provided a separate list of borrowers with the opportunity to restructure. This regulatory act defines the conditions for implementing the assistance program for AHML borrowers who find themselves in a difficult financial situation. What was determined?

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The requirements for debtors have been established

Persons who have n/l children, disabled children, or who are classified as combatants can count on assistance.

On the date of applying for restructuring, the total income of the citizen who took out the mortgage, divided by the number of all members of his family, excluding the mortgage payment, is 1.5 times below the subsistence level.

The person who received the loan can document a decrease in the total income of his family for the last three months before applying for restructuring by more than 30% relative to the average monthly earnings for the last calendar year, or an increase in the payment under the loan agreement by more than 30% compared to previously produced.

The registration of a mortgage loan must precede the 12-month period for a citizen to apply for economic support.

Conditions for a mortgage loan

The conditions that the issued mortgage loan must meet are determined:

• • the purpose of the issued loan is shared construction, major repairs or other inseparable improvement of housing, or refinancing of a loan issued for these purposes;
  • late payments on the loan last from 30 to 120 days inclusive from the date of application;
  • The mortgage loan was issued starting from 01/01/15.

The credit institution that issued the loan must be a participant in the program. Otherwise, obtaining support is impossible.

Requirements for mortgaged residential property

The following requirements apply to property secured by a mortgage agreement:

• Mortgage housing is the only one for a citizen, while the person who has taken out a residential loan is allowed to own a common part of the ownership of another dwelling, but not more than 1/2 in any housing facility;
• cost of 1 sq.m. Mortgage property should not be more than 50% higher than the similar price prevailing in the secondary or primary housing market, the calculation of which takes into account regional cost indicators and information from the statistical body at the time of concluding the loan agreement.

For borrower families with 3 or more children, requirements regarding the price and area of ​​mortgage housing are not applied.

For the possibility of applying state support to a borrower under the assistance program of JSC AHML within the framework of Resolution No. 373, the size of the debt on the mortgage loan, the currency of the loan and the facts of the borrower’s participation in previous restructurings are not important.

AHML borrower assistance program: package of documents for participation

The list of documents requires the borrower to confirm its compliance with the conditions of the 2017 state mortgage restructuring program with the help of AHML.

This includes the following documents:

• application for restructuring - the form is filled out at the credit institution personally by the borrower or a bank specialist;
• certificates, certificates, certificates confirming the citizen’s attitude to the categories established by Resolution No. 373 (on the birth of children, on participation in hostilities, on disability);
• information about the borrower’s financial condition, indicating a drop in his level of well-being by more than 30% (2 personal income tax certificates, from the employment center, tax returns, etc.);
• copies of the loan agreement, payment schedule, certificate from the mortgagee, appraisal report of the collateral at the time of loan application, etc.
• agreement on shared participation in housing construction;
• extracts from the Unified State Register of Real Estate issued by Rosreestr as collateral for a mortgage loan, other real estate owned by the borrower and his family members.

The final list is compiled by the financial institution and clarified by the borrower directly with the lending bank.

The validity period of the mortgage borrower assistance program was extended at the government level by decision of February 10, 2017 No. 127 until May 31, 2017 inclusive (further extension is possible). Reimbursement under the AHML mortgage loan borrower assistance program is provided for housing loans for which restructuring agreements were concluded before May 31, 2017.

You can receive monetary program support as mortgage assistance from the state AHML at the lending bank (its successor in the event of the first being deprived of its license or in the event of its bankruptcy) at the place where the restructured loan was concluded. The main condition of the AHML assistance program for mortgage borrowers is the participation in it of the bank that issued the mortgage loan.

Form and amount of support under the AHML assistance program

In accordance with the edition of Resolution 373 of 2017, the maximum amount of compensation for each loan for families with two or more children was increased to 30% of the balance of its amount as of the date of conclusion of the restructuring agreement, but not more than 1.5 million rubles.

The borrower independently chooses one of the forms of providing him with economic state assistance established by the government under the AHML assistance program:

• writing off the loan amount in a single payment;
• reducing the amount of the mandatory payment made every month on the loan for a period of up to 12 months in total for the entire period up to 200 thousand rubles;
• forgiveness of part of the debt when the loan currency is changed to ruble;
• transfer of a foreign currency loan into a ruble loan;
• failure to make payments on the principal debt for a certain period with their postponement to a later date.

The maximum possible amount of support is a reduction of the loan amount by 10% of the outstanding debt.

Important! The volume of assistance provided per borrower cannot exceed 1.5 million rubles, and for a foreign currency mortgage loan - the rate is reduced to no more than 12% per annum for the period of validity of the loan agreement, for a ruble mortgage - to the rate the amount of which is applicable during restructuring.

An increase in the rate is possible only if the borrower significantly violates the terms of the loan. Charging borrower fees or charges for assistance in the Mortgage Assistance Program is prohibited. The support applies only to loan payments, excluding other obligations of the borrower, for example, those associated with insurance or appraisal.