Housing issue is relevant for many Russians. The military also has to deal with it sometimes. The state is developing specialized programs designed for certain layers of citizens. For defenders of the fatherland, there is also a special area - military mortgages. What it is? This is a project that helps them become homeowners.
The essence of the program
According to the law on providing housing for servicemen, they are entitled to use a mortgage to purchase an apartment or a private house. It was adopted in 2004. However, the borrower does not pay money out of personal savings. The Ministry of Defense is doing this for him. In its structure there is a special unit responsible for resolving this issue.
In our country, the military receive a relatively low salary. Not everyone can save enough money to buy a separate home, which is why a military mortgage is necessary. At the same time, not everyone can count on state support. The bill allows certain categories of military personnel to participate in the loan program.
Military mortgage - what is it? Who has the opportunity to use it?
On behalf of the special structure that is part of the Ministry of Defense, a person receives the funds necessary for the purchase in his current account. The provision of military mortgages can provide significant support to the population. Who can count on her? The following categories fall under the program:
- officers
- warrant officers and warrant officers, whose experience is at least 3 years;
- soldiers, foremen and sergeants;
- persons who graduated from military universities.
Note! For all these groups, a single rule applies. They must be on contract service at the state. The date is January 1, 2005. Thus, a military career that was started earlier than this period deprives a person of the opportunity to participate in the program. This is the essence of military mortgages.
At the same time, there is no ban on the use of personal savings. That is, if a soldier wants to buy an apartment of a larger area, he can add his money to the funds from the state budget. It is noteworthy that the soldier’s salary does not matter when a military mortgage is granted. The loan is fully repaid through funded contributions.
Other features of the bill
As you know, in the standard design, the transaction takes 1 month. For military personnel, the indicated time is reduced to 5 days. Thanks to this, the contract of sale of housing can be registered in a short time.
The program comes into force from the moment the person has decided on the choice of financial institution.
Participants have received more opportunities since last year. They touched the size of the loan. For example, in 2015, a military mortgage, the amount of which amounted to 2.4 million rubles, became a kind of maximum achieved for the entire time. When determining the term, they are guided by the age of the borrower. State support also lies in the absence of a commission for a loan.
The federal state institution Rosvoenipoteka together with the housing lending agency act as the main legislators of this project. A military mortgage is also issued here. Commercial banks are also ready to provide it.The main requirement for potential loan recipients is participation in the above-mentioned preferential program. No financial institution will be able to give you money if this condition is not satisfied.
For several years now, the state has been trying to solve the problem of providing military personnel with square meters. It allocated various amounts of money from the state budget for the implementation of certain bills. Now, each contractor, regardless of the type of his troops, region and rank, can solve the housing problem.
Military mortgage: terms of provision
When calculating the loan term, specialists strive to ensure that a person by the age of 45 completely repays it. As mentioned earlier, both new buildings and housing in the secondary market are available for purchase. The features of buying a house. The fact is that the site where it is located should be acquired by a person at his own expense.
However, restrictions are placed on the time allowed to pay the loan amount. The certificate issued to all program participants indicates the date. By the time of its offensive, a soldier should not have debts. The minimum threshold for loan periods is 36 months.
Minimum loan sizes are set at 300,000 rubles. The loan is determined in accordance with the market value of the housing, the date of issue of financial resources, interest rate.
Last year, the state military mortgage of military personnel underwent a number of changes. NIS participants now make a down payment from the funds in the savings account. They go to the bank. The remaining loan amount continues to be stored in Rosvoenipoteka. 3 months after a loan is issued at a financial institution, it will receive the second installment of payments.
The monthly payment is clearly defined. It is 1/12 of the borrower's contribution. Funds transferred from the Ministry of Defense to a soldier’s account are indexed each year. Accordingly, loan payments are changed.
Insurance is required when a military mortgage is issued. It is necessary to protect property interests in respect of real estate transferred to ownership. Most often, this issue is passed on to the shoulders of a company accredited by the bank. The provision of a housing loan is aimed at the benefit of the federal body with the corresponding specialization. The creditor also benefits.
The participant of the NIS (funded mortgage system) undertakes to insure his life as well as his ability to work. He concludes a number of agreements designed to protect his interests in the event of an unforeseen situation. The military should renew them every year until the loan is fully repaid.
The military independently or with the help of a realtor selects the right property. However, in future it will be evaluated by a special independent commission. A program participant will have to pay for her work from her own pocket.
Prepayment
There are no restrictions on this issue. A person may deposit the entire remaining amount of funds or any part thereof. Such payment helps to reduce loan repayment terms. But the size of payments remains the same.
Clearance procedure
The classic housing lending process has nothing to do with how a military mortgage is granted. Program participants must adhere to the following action plan:
- Submit a report on making a person on the list of people included in the NIS.
- Wait 3 years, then contact the unit headquarters again. This time you have the opportunity to request a certificate of eligibility for a participant in the funded mortgage program.
- Choose a suitable bank and apartment, find out the loan conditions in detail.
- Conclude a housing loan agreement with the Ministry of Defense.
- Sign an agreement with a financial institution, enter into a sale and purchase transaction with a seller of real estate.
- Become the owner of a certificate of ownership.
Important additions
After the report is submitted, it is registered in a special document accounting journal. He is in the military unit, where he serves as a program participant. The personal files of all soldiers and officers are also kept here. After compiling a list of applicants for state support for housing, he is sent to the Ministry of Defense. The relevant unit begins to consider the candidacy of each applicant.
Special checks are carried out. If the commission concludes that the person meets all the requirements, he becomes a member of the NIS. For those three years that the waiting for the issuance of the certificate lasts, money is accumulated on the account of the military man.
Note! The sooner you write a report, the more funds will be available for you to purchase an apartment.
Area dimensions
The property you choose must comply with the law. It requires that a certain number of meters of total living space per person. This criterion periodically changes, therefore it is necessary to follow the innovations carried out "from above". In this case, it is necessary to consider the quadrature of all rooms combined. It is necessary to take into account loggias, balconies, built-in areas and so on.
How to find an apartment
There are 2 ways available - independent search and contact the real estate agency. If all the intricacies of buying and selling housing seem too complicated for you, it is advisable to use the second option. This will protect you from the potential risk of being cheated. Experts are well aware of the intricacies of acquiring an apartment.
Without experience, it is difficult for a person to check the legal cleanliness of housing. This applies, including new buildings. Everyone can suffer from the consequences of a disputed transaction. Not a single buyer is protected from this.
The apartment should be selected so that it meets the requirements of the bank where you applied for the loan. It should also fit the criteria of the Ministry of Defense and the insurer.
A financial institution will open an account in the name of the military. Money accumulated by you at the time of the transaction will be transferred to it.
The borrower is obliged to provide the lender with the necessary package of documents. If it is approved, the person will be asked to sign the corresponding contract.
The process of buying and selling an apartment
First of all, an agreement is concluded between the bank and the military. An equity agreement (for new buildings) and a purchase and sale transaction (for secondary housing) are drawn up. A certificate of ownership is issued.
If a military mortgage is available, which banks can I visit?
The financial institutions participating in the program receive compensation directly from the state.
The list of organizations accepting applications for funds in accordance with the NIS: Sberbank, VTB24, Gazprombank.
Documentation
For the successful transfer of funds to repay the loan, you should provide a package of documents consisting of:
- extracts from the Unified State Register on the registration of mortgages;
- certificates of ownership (a copy certified by a notary);
- sales contract;
- prenuptial agreement;
- passports of a citizen of the Russian Federation;
- certificates of marriage or divorce.
Advantages and disadvantages
The opportunity to purchase housing is the main positive quality that a military mortgage provides. Its conditions are such that a person can become the owner of real estate in any region of Russia. NIS does not apply to neighboring countries.
The program also has a negative side. This is the loan amount. If a soldier lives in a large metropolis, the amount of funds provided may not be sufficient to purchase an apartment.But if a person has the necessary amount to add to the loan issued by the state, he can still buy it.
Of course, the long term for consideration of the participant's application is also a minus. As a result, the seller of the property you like may not be able to withstand and refuse the agreements concluded earlier. Today it is not uncommon.
Frequently Asked Questions and Answers
Families of military personnel are confronted with many points that seem incomprehensible. Here are the main ones.
1. Are maternity capital funds allowed to repay a loan?
The answer in this case is positive. Such an opportunity is permitted by law.
2. What rights does the spouse of an NIS member have?
If you have not entered into a prenuptial agreement, then the rights and duties are divided equally between the husband and wife.
3. Where can I go, except for commercial banks?
You can consider two organizations. This is Molodostroy and AHML.
4. Does the military mortgage provide conditions for the sale of an apartment?
If you did not repay the loan amount in full, you will have to contact the Ministry of Defense. If your request is satisfied, you can begin to search for a buyer. Such restrictions do not apply to apartments that are free from any obligations.
The policy of commercial banks is such that they set a single rate equal to 10.5% per annum. The down payment is 10%. Additional fees are not available at most financial institutions.
Experts say that, according to NIS, military mortgages are being successfully implemented in most Russian regions today. What it is? This is the designation of a funded mortgage system. Military personnel themselves often respond well to this program. Experts advise joining it as soon as possible in order to gain access to the most favorable conditions. For a certificate for a soft loan, limits are set. Usually they are equal to three months.
The Department of Housing under the Ministry of Defense expresses the hope that by 2024 it will be possible to include all the military in the NIS system. Thus, a mortgage will be the only way to provide them with separate apartments. According to statistics, the number of citizens participating in the program is growing every year. This indicates that she has good prospects.
Underwater rocks
The military mortgage has undergone changes recently. Now it is provided on preferential terms only as long as a person is listed in the Armed Forces. Additional payments await him if he goes through the procedure for early dismissal. They will be based on the bank rate relevant at the time of the conclusion of the agreement.
But even if a person leaves the army, having 20 years of experience will allow him to continue paying the loan on favorable terms. If he served less than this period and decided to quit of his own free will, then he is deprived of such an opportunity.
The military mortgage provides for conditions applicable in the event of the death of a member of the NIS system. His family gains the opportunity to continue to use the funds accumulated in his account. She has the right to spend them on the purchase of real estate.
After dismissal, the right to use preferential mortgage receive the following categories of military:
- Persons with an experience of more than 20 years;
- soldiers and officers who were ordered to leave the army for medical reasons;
- people forced to resign due to difficult circumstances in the family;
- citizens who have reached age limits, in accordance with the established standards for the maximum service life.
How to calculate the loan amount?
Another topical issue. You can use a special calculator. He will give you the results of monthly payments. But we must remember that such calculations are approximate. The basis is the amount on the personal account of a serviceman. In this case, only the contribution amount is considered.
Following this, a table is created where the monthly payments and their amount are indicated. They will come from the state, depending on the established norms for the meter. These are the main features that a military mortgage has. What is it, you now know in great detail. Certain categories of participants can count on additional space. These are officers who rose to the rank of colonel and above, commanders of military units, and persons with academic degrees.
