Additional financing of the program of assistance to mortgage borrowers. State assistance in the restructuring of mortgage loans by the population

Obtaining a mortgage loan is a salvation for many Russians in need of housing. Amounts required for purchase own apartment or houses, sometimes so large that it is difficult to buy property on your own. Mortgage restructuring with the help of the state is a rational solution housing issue.

The crisis state in which the country's economy has been for the past few years affects the well-being of people. Mortgage repayment terms, which were difficult even without economic difficulties, are becoming an unbearable burden for many families. In such cases, large banking organizations offer a mortgage restructuring service.

What is mortgage restructuring

Mortgage loan restructuring helps borrowers rid themselves of the status of a debtor when repaying a loan on their own is difficult. The terms of restructuring provide for the variability of monthly payment amounts and payment terms. This service can be used by all payers who meet the conditions of the program.

In the process of restructuring, the parties revise the previously concluded loan agreement. The purpose of the revision is to introduce changes that are beneficial primarily to the borrower. When confirming temporary financial difficulties the bank is coming towards, having enlisted the order of AHML. Steps credit organization performed to be performed by the borrower credit conditions, may be as follows:

Extension of the loan repayment term. This results in a reduction in the monthly payment. It is worth remembering that an increase in the term entails an increase in the amount of interest paid, but sometimes this option is the only possible one.
Decrease interest rate. It is possible if the level of development of the credit institution and economic situation countries allow this, for example, when the Central Bank rate was reduced after the signing of the agreement. The amount of savings received by the borrower is insignificant on a monthly basis, however, the amount saved in a year may exceed the amount of one payment.
Changing the loan payment currency. Since the depreciation of the ruble is directly related to the financial situation of many borrowers, the bank may decide in favor of dollar payments.
Changing the repayment schedule. The lender may offer an option to change the payment amount for a certain amount of time: for 6 months, for a year. This time is enough for the borrower's financial situation to stabilize. It is possible to reduce the amount of payments up to 50 percent.
Providing credit holidays. The average term is 6 months. During the holidays, the borrower pays only the main debt, he is exempt from paying interest for this time. In some cases, a complete exemption from making payments for a specified period is also possible.

Restructuring a home mortgage loan is a smart decision that benefits both parties to the transaction. The bank is guaranteed to continue to receive payments, the borrower keeps a “clean” credit history without being included in the list of debtors. The existence of such a service in the banking market justifies itself. It is important not to accumulate debts, but to apply to AHML in a timely manner with a request for state support.

The role of the state

Borrowers in need of government assistance enter into banking organization new mortgage agreement. This happens after a corresponding request is received from AHML, where the citizen must apply with the assistance of the bank. The activities of the agency are regulated by legislative acts, since this organization is the federal operator of the project.

The last document signed by the Chairman of the Government of the Russian Federation Dmitry Medvedev is dated July 25, 2017 (Decree of the Government of the Russian Federation dated July 25, 2017 No. 1579-r). The program provides for spending 2 billion rubles to help citizens who find themselves in a difficult financial situation and have difficulty repaying a mortgage loan. The conditions of the program are detailed in the Decree of 04/20/2015.

If the borrower meets the requirements of the program, then he can count on support from the state in the form of:

interest rate reduction: the maximum rate is 12%;
writing off part of the principal mortgage debt (but not more than 200,000 rubles);
suspension of payments for a certain period;
no fees associated with the restructuring procedure;
currency changes.

For payers, participation in this program is completely free. The property pledged to the bank must meet the following requirements:

not be luxury housing;
the area of a one-room apartment is not more than 45 square meters;
two-room apartment - no more than 65 square meters;
the size of an apartment of three rooms - no more than 85 meters.

An apartment pledged to a bank - a lender, for example, Sberbank - is the only housing of the borrower. If there are three or more children under the age of 18 in the family, the requirements for the area of the premises are irrelevant.

After applying to AHML, the borrower, who has received a positive decision, again applies to the bank, where the parties agree on a restructuring option. The new agreement will allow the citizen to fulfill his obligations under the loan in full, but with a slight delay. The Agency for Housing Mortgage Lending (AHML) will transfer funds to the bank in the amount of the assignment made to the borrower.

Who gets help

Not every citizen can become a member of the state program. The agency imposes a number of requirements on borrowers. Categories of citizens who can apply for participation in the program:

combat veterans;
large families in which at least one child is a minor;
persons with disabilities;
parents of children with disabilities or who are themselves such;
citizens with at least one minor child and under 35 years of age;
citizens who are employees of state authorities, local governments;
citizens who are employees of state and municipal institutions, organizations of the military-industrial and research and production complexes.

All program participants must be citizens of the Russian Federation, whose income has recently become lower than confirmed at the time of obtaining a mortgage. For each family member, the income must be less than the amount two living wages. The object of real estate taken on credit must be located on the territory of Russia.

Procedure

Everyone who meets the terms of the program and wants to restructure a mortgage loan, first of all, should find out if a bank, for example, VTB-24, is cooperating with AHML. Direct appeal to the Agency is not provided. Step-by-step instruction next:

Submission of a request to the bank for cooperation with AHML.
In the case of a positive answer under item 1, carefully read the terms of the program.
Preparation of a package of documents requested by the Agency and required by the bank.
Filling out an application on a form issued by the creditor bank.
The reply is in process.
In case of a positive answer under paragraph 5 - the signing of a new loan agreement.

Required documents

In case of a positive answer, a package of documents must be submitted to the bank. It includes:

application form;
passports of all family members and copies;
Marriage certificate;
decision of the guardianship authorities on adoption;
veteran's certificate (if any);
documents confirming the borrower's disability;
information about the composition of the family;
copy work book;
income statement (2 - personal income tax);
certificate of registration with the employment service.

Today we will talk about what is the assistance program. mortgage borrowers and how exactly you can get help paying off your mortgage
from the state in 2019.

Assistance program for mortgage borrowers in 2019 from the state, changes and additional 730 million rubles

Today you will learn:

What is an assistance program certain categories mortgage borrowers?
How to get help in paying off a mortgage from the state?
Reviews of those who received state assistance in paying mortgages.

What can you get

Mortgage has become one of the effective tools for solving the housing problem in Russia. Yes, it has a number of minuses and pluses, which we will consider in a separate post of our project, but this real opportunity, especially young families, to purchase housing.

With the onset of another crisis in the economy, the state had to provide support to mortgage borrowers who found themselves in a difficult financial situation. In April 2015, the corresponding Decree 373 of the Government of the Russian Federation dated April 20, 2015, signed by D.A. Medvedev. implementation operator this project became JSC Agency for Mortgage housing loans».

Initially, this resolution provided for the validity of the assistance program until the end of 2016, but it has been repeatedly amended and supplemented.

To date, according to latest changes 373 Decrees of the Government of November 24, 2016, assistance to mortgage borrowers (mortgage restructuring) is valid until March 1, 2017(extended until May 31, 2017 Decree of the Government of the Russian Federation of February 10, 2017 No. 172, since March 7, 2017, the acceptance of new applications has been suspended due to the expenditure of funds under the program.

However, in July 2017, an additional 2 billion rubles were allocated from the government fund to restart the program. On August 11, 2017, new conditions for participation in the program of assistance to mortgage borrowers came out - Decree of the Government of the Russian Federation No. 961, which you will learn about from this article) and is as follows:

The borrower's mortgage obligations to the bank are reduced in the amount of 20% to 30% of the balance (at the discretion of the lender's bank), but not more than 1,500,000 rubles.
By agreement between the borrower and the bank, you can choose the format of assistance, namely, or send the entire amount of assistance to the mortgage to pay off the principal debt and thereby reduce monthly payment, or to reduce the monthly payment by 50% or more for up to 1.5 years.
Replacing a foreign currency mortgage with a ruble one. At the same time, the mortgage rate cannot be higher than 11.5% per annum. For a ruble mortgage, not higher than the current rate in the bank, except for cases stipulated by the agreement mortgages, in case of violation of insurance rules.
Until September 1, a special interdepartmental commission should be created, which will be able to increase the maximum payment under the program by 2 times and approve applications for participation if there are deviations from the basic conditions, but not more than in two points.

Example:If the family has a mortgage balance at the time of restructuring of 2 million rubles and, after checking the AHML documents, the creditor bank decided to write off the debt in the amount of 20% of the balance of the principal debt, then with a mortgage of 12% per annum with a remaining term of 10 years, the payment will be reduced from the planned 28694 rubles. per month up to 22955. Benefit 5739 rubles.

There is an opinion that very often banks refuse to carry out mortgage restructuring, but in fact this procedure it is very beneficial for them. losses incurred by the bank (uncollected interest income) due to early cancellation is compensated by the state.

Changes to the Mortgage Borrower Assistance Program dated 02/10/2017 suggest that the maximum reimbursement of 30% of the balance (up to 1.5 million rubles) is compensated by the state only if the family has two children or you are disabled (child disabled), and combat veterans can also apply actions. With one child you can only claim 20%. August 10, 2017 changes allow for larger maximum payout twice by decision of a special interdepartmental commission.

After analyzing the negative reviews about the payment of a mortgage with the help of the state, our experts came to the conclusion that most often the reason for refusal is false information provided by the borrower and lack of knowledge of the basic requirements and conditions for state support. Let's talk about them now.

Important point! The acceptance of documents under the Program has been suspended since December 2, 2018 and the program is no longer working.

Who can receive support from the state

Government Decree No. 373, as amended on November 24, 2016, provides for the following list of persons to whom the state can help pay mortgage payments:

Citizens of the Russian Federation with 1 or more minor children;
Guardians (custodians) of 1 or more minor children;
Participants in hostilities;
Disabled people or families with disabled children;
Citizens with dependent children under 24 who study full-time at an educational institution.

Mortgage requirements

To get help from the government mortgage apartment Mortgages must meet these requirements:

It should not exceed the total area for a one-bed apartment - 45 sq.m., for an apartment with two rooms - 65 sq.m. and for three rubles and more - 85 sq.m.
The cost of 1 sq.m. total housing area exceeds no more than 60% average cost a typical apartment in your region as of the date of conclusion of the loan agreement (according to Federal Service state statistics).
The dwelling must be the only one for the mortgage borrower. At the same time, it is allowed to have a total share of ownership of all family members of no more than 50% in one other residential building. The countdown on the availability of property is from 04/30/2015. Those. it will not be possible to quickly rewrite / donate “extra” real estate in order to become a member.

Important point! The requirement for the total area of mortgage housing and the cost per square meter does not apply to families with 3 or more minor children. If you have more than 50% property in other housing, then you will be denied under the program, but you can transfer it to relatives and then everything will be OK. From 08/11/2017 disputes over square meters and deviations under the program should be decided by a special interdepartmental commission, which will be created in September.

Requirements for mortgage borrowers

Russian citizenship
Your income is below two living wages at your place of residence for each person in the family, after subtracting your monthly mortgage payment from them. Three complete the last months. In this case, the mortgage payment must increase by at least 30% of the initial payment.

Those. this program is only suitable for foreign currency mortgages and those borrowers who have a floating rate. For ordinary mortgage borrowers, a situation is impossible when the current payment is 30% higher than the original one. But when the interdepartmental commission starts working, it will be possible to submit an application for consideration there, because. up to 2 deviations from the conditions are allowed. Deviation on increase in monthly payment including.

If you have a co-borrower in the mortgage and he has a share in the property in this apartment, then he is obliged to provide a full package of documents both for himself and for his family members.

Now answer these questions.
If you received the answer “NO” for one of them, then you will not be able to apply for participation in the mortgage borrower support program in 2018:

Do you have minor children or are you the guardian (custodian) of such children?
Home mortgage bought in Russia?
Are all mortgage borrowers citizens of the Russian Federation?
After deducting the mortgage payment, is the income for each member of your family less than two living wages in your area?
Has your payment increased by 30% from the original schedule?
Is the mortgage issued for the purchase of ready-made or housing under construction?
The total area of housing is less than 45 sq.m for a odnushka, 65 sq.m. for kopeck piece and 85 sq.m. for three rubles and above (except for families with 3 or more children).
The cost of 1 sq.m. no more than 60% of the average cost of a square in standard apartment your region?

If all your answers are “Yes”, then you will be able to receive support from the state in extinguishing mortgage loans.

How to get government support

Now you already know what you can count on support from the state in paying off the mortgage . Now it remains to find out how to get it.

First of all, you need to contact the bank where you received the mortgage. Almost all major banks participate in this program of assistance to mortgage borrowers.

The full list can be downloaded from the link.

As a rule, this issue is dealt with by the department for dealing with overdue debts. It is enough just to call contact center your bank and find out where it is located.

The bank will give you a list of documents for state support mortgage. An example list is provided below:

An application form with the obligatory indication of the reason for providing you with assistance from the state (reduction in income, reduction, decree, etc.).
Passports, birth certificates of minors of all family members.
Marriage certificate (if the marriage is registered).
Certificate of divorce, change of full name, parents and children, agreement of parents on the residence of the child with one of the parents (if required).
The decision of the guardianship authorities or the court decision on the establishment of guardianship (for guardians and trustees).
War Veteran's Certificate (for veterans).
Documents on disability from the borrower or co-borrower or from their children.
Birth certificate for dependents under the age of 24.
Certificate of family composition to confirm the residence of a dependent under 24 years of age with the borrower/co-borrower.
Help from educational institution that a child under 24 years old who is dependent on the borrower/co-borrower is studying full-time.
Notice from the Pension Fund that a dependent person under 24 years of age does not have independent labor income.
A certified copy of the work book of the borrower/co-borrower.
Official certificate from work (for military or law enforcement officers).
IP registration certificate (for individual entrepreneurs).
Order of the Ministry of Justice of Russia on appointment as a notary (for notaries).
Employment book and/or expired employment contract for the unemployed.
Document on registration with the employment service (for unemployed).
Notice pension fund about the state personal account the insured person (for all).
Certificate from the FSS of the Russian Federation on income from temporary disability, benefits and other payments.
Certificate of income in the form of 2 personal income tax or in the form of a bank from all family members.
Bank certificate on the total amount of family income (provided by the bank).
Tax returns, patents, etc.
Information about the amount of pension for pensioners.
Loan agreement
Mortgage (if issued, it is in the bank).
A statement from borrowers that they have real estate on Russian territory.
Equity agreement (for a mortgage on a new building).
Mortgage collateral appraisal agreement.
Technical / cadastral passport for residential premises.
Mortgage payment schedule.

The list is quite impressive and will make you run a little, but it's worth it. The only moment that is rather complicated is extracts from the USRN. They cost money. One statement on the rights to property throughout Russia is 1,500 rubles per person and no one will return them to you if you refuse. There were a lot of complaints about this last time. From 08/11/2017, the requirement for an extract from the USRN has been cancelled. The bank has no right to demand it. AHML independently requests it.

After full list documents submitted to the bank, the responsible officer must send them to AHML for verification. On average, it lasts 30 days, but the feedback from the participants indicates that it can reach up to six months. the bank and AHML request additional documents at their discretion.

When AHML makes a positive decision, the bank will notify you of the date of the meeting. Next, you will need to sign a new payment schedule, new document PSK, conclude a restructuring agreement (additional agreement to the mortgage agreement), an agreement to change the terms of the mortgage. Next, you will need to wait from 2 to 4 weeks, when the mortgage will be requested from the bank's archive. After that, it is necessary together with the complete package loan documents and an agreement to change the terms of the mortgage (be sure to make copies) to visit justice for state registration of changes.

The process is similar in Gazprombank. VTB 24 closes mortgages and issues new loan for a smaller amount, which means that you again have the cost of paying for insurance and assessment.

There is no mortgage restructuring fee. Carrying out this procedure does not exempt you from paying the monthly payment and insurance premiums stipulated by the contract.

Conclusion

There are a number of negative and positive feedback under this program.

Positive:

A support amount of up to 600,000 rubles well helps to reduce mortgage payments.
A lower mortgage payment will help alleviate a difficult financial situation.

Negative:

Large list of documents.
Lack of transparent mechanisms for tracking the stages of consideration of the application.
Long processing times.
There is no mandatory requirement to state the reason for the refusal.

From this we can conclude that the assistance program is indeed good tool support for mortgage borrowers, but the mechanism for its implementation is complex, clumsy and non-transparent, which leads to negative feedback from the population.

I hope now everything is clear to you pay off the mortgage with the help of the state.

Important point! If you submitted an application for participation earlier, but did not receive a response, then you need to collect all the documents again and apply again.

If you were unable to participate in this program, we recommend that you consider another type of support for mortgage borrowers - Detailed terms described in a dedicated post. Read on.

In October 2018, Dmitry Medvedev signed a government decree to continue the program to help mortgage borrowers. An additional 730,000,000 rubles were allocated for the implementation of this program.

Video: Launched hotline under the program of assistance to mortgage borrowers

Due to the crisis in the economy and the decline in real incomes of the population, the fulfillment of obligations under mortgage loans has become an unbearable burden for many families.

The state has developed and adopted for the implementation of assistance programs for such borrowers, aimed at reducing problem debt and providing effective financial support to certain categories of citizens.

More about legal framework such programs, treatment experience and limitations – read on.

In the spring of 2015, a meeting of the Government Commission for Economic Development and Integration was held, the purpose of which was to determine an action plan and measures to ensure sustainable economic development and social stability of society. As a result of the consideration of many global and local issues, the Ministry of Construction of the Russian Federation prepared Decree of the Government of the Russian Federation of April 20, 2015 No. or an “anti-crisis plan”, under which borrowers with a difficult financial situation and a valid mortgage loan will be able to receive assistance from the state.

The normative act provides certain categories of the population with the right to restructure debt.

The support mechanism used has the following characteristics:

the duration of the period of assistance to borrowers ranges from 6 months to a year;
the lender (bank) has the right to compensation for lost profits or losses from borrowers with a difficult financial situation;
the maximum amount of such compensation may not exceed 200 thousand rubles.

The program is implemented and financed by the Agency for Housing Mortgage Lending. accepted legislative act contributed to the increase in the authorized capital of AHML to 4.5 billion rubles, which will certainly play only a positive role in the process of providing assistance to problem mortgage holders.

AT this moment support is provided through the restructuring of a mortgage loan, which is carried out through an agreement between the parties (bank and borrower) additional agreement on changing the terms of the concluded agreement or through the conclusion of a new agreement in order to fully repay the existing debt.

Criteria for Borrowers Needing Mortgage Assistance

To receive financial support for a mortgage from the state, the borrower must meet all of the following criteria:

persons with minor children (including guardians);
citizens with disabilities or having children with disabilities;
combatants;
persons with dependents under 24 years of age (students, students, graduate students, interns, interns, etc.).

The conditions for entering the program are as follows:

A drop in the current level of income by at least 30% (for any mortgage loans).
The total average monthly income of the borrower and his family members for at least the last 3 months, taking into account the payment of the mandatory mortgage payment, does not exceed twice the subsistence minimum for each (indicators of a particular subject of the Russian Federation are taken for calculation).
An increase in monthly payments under a loan agreement by at least 30% for a foreign currency mortgage.
Registration of a mortgage loan no later than one year before the date of filing an application for state support and assistance.
Participation of the creditor bank in the ongoing Program.
Appeal to the bank with the required set of documents and application.

The amount of debt (including overdue) and the number of participations in the restructuring of the loan do not matter. The interaction between the client and AHML is carried out through the selected agent bank, to which the borrower applies with the appropriate application.

Important: to participate in the program, all the conditions described above under paragraphs 1-6 must be met by the borrower. For borrowers who meet 4 conditions out of 6, the decision can be made by the interdepartmental commission of the Ministry of Construction of the Russian Federation.

The program actually described in Government Decree No. 961 dated August 11, 2017, narrowed its effect to the category of foreign currency borrowers and borrowers with a floating interest rate, since for ruble borrowers an increase in the amount of a monthly mortgage payment by 30% in the face of a falling rate on the market is rather nonsense.

Requirements for a mortgage

The requirements established by law shall apply to the pledge (subject of mortgage) encumbered by the bank under a mortgage agreement. Among them:

housing must have the status of the only one for the borrower and his family (the situation is recognized as equivalent when the borrower's family members and he himself have a total share in the ownership of another property, but not more than 50% in each residential property);
the residential property must be located on the territory of Russia and be an object of pledge under a mortgage agreement;
the program applies to any housing, including objects in relation to which the right to claim under an equity participation agreement applies;
there are restrictions on limit values total area of mortgage housing: no more than 45 sq. m for one-room apartments, no more than 65 sq. m. for a house or two-room apartment and up to 85 sq. m. in the presence of three or more rooms;
price 1 sq. m. mortgaged housing cannot exceed the price of 1 sq. m. m. of a typical apartment/house on a primary or secondary market real estate by more than 60% (for the purpose of calculations, information is taken from the Federal State Statistics Service of the Russian Federation and up-to-date data on the regional market);
the above restrictions do not apply to families with three or more children.

If an apartment or other property transferred to the bank as collateral meets the listed requirements and restrictions, then the mortgagor has the full right to participate in the state program.

Be careful when submitting documents to AHML and at the same time for restructuring to your bank, as there are such incidents that the bank refuses to restructure on formal grounds. First of all, it concerns Sberbank of Russia.

Is it possible to seize mortgage housing from the borrower in favor of the bank, if it is his only housing, you can

Help for mortgage borrowers. News of the resumption of the AHML program

Since the adoption of the assistance program by the mortgage borrower and until March 2017, about 20,000 Russian families received support. spring current year information about the suspension of the program and the termination of acceptance of new applications appeared on the official website of AHML.

However August 11, 2017 Government of the Russian Federation signed a new decree on the resumption of the procedure for providing support to borrowers with active mortgage who found themselves in a difficult life situation, starting from August 22. For these purposes from reserve fund 2 billion rubles were allocated.

Support forms and list of documents for restructuring

The adopted program implies the use of the following forms of state support:

Reducing the amount of regular payments on the loan during the entire period of state assistance to one year.
Partial or complete forgiveness of the principal debt or a change in the terms of lending by the bank that issued the loan.
Reducing the current interest rate to no more than 11.5% per annum.
Change of currency from foreign to Russian rubles (the exchange rate as of the date of conclusion of the restructuring agreement is taken into account).
Exemption from payment by the borrower of forfeits, penalties or other fines accrued in accordance with the terms of the loan agreement (except for penalties by court order).

Submission of an application for restructuring is accompanied by the collection of the following set of mandatory documents:

statement prescribed form to receive state support, indicating the reasons and necessary conditions for lending;
passport of a citizen of the Russian Federation - the borrower, mortgagor and family members (copies of all pages);
certificate of income of the client for at least the last 3 months (in the form of 2-NDFL);
a copy of the work book or employment contract certified by the employer;
title document of the mortgage (copy);
a document confirming the assignment of a certain social status to the borrower (birth certificates of children, certificate of disability, certificate of a combat veteran, etc.);
application of a citizen and members of his family about the right to housing, which is not an object of pledge.

Confirmation of the uniqueness of housing is not required by documents, since AHML receives the necessary information independently from open sources and databases.

At the same time, each bank and AHML as a whole reserves the legal right to request additional documents, with the help of which it will be possible to carry out the right decision about the feasibility of restructuring the loan.

The practice and feedback of borrowers testify to the fact that you can expect to receive financial assistance from the state can practically only currency mortgages. For other applications, the rejection rate is very high.

This makes it possible to judge the impossibility of registering a restructuring program for persons falling under the other criteria of the Program, except for the presence of a mortgage in foreign currency. People who really find themselves in a difficult life situation and cannot cope with their loan burden are unlikely to hear a positive response to their application.

This is a mortgage lending agency. Established to assist in obtaining housing (improvement living conditions) to the population. Previously, various AHML programs were operating in Russia to help those in need: AHML federal program"Moving", a program from the AHML agency "Young Family". For 2018, only one remains in force: a program to help mortgage borrowers.

Paying off part of the mortgage

In connection with economic crisis and the depreciation of the ruble, in 2015 the Government adopted the AHML assistance program. The purpose of the project is to help those who find themselves without a livelihood in repaying a mortgage loan. The state assistance program presented by AHML was supposed to cease to exist in May 2017, but due to the lack of improvements in the country's economy, the Government of the Russian Federation decided to postpone the state program of AHML. The corresponding Decree was signed by D. A. Medvedev in August 2017.

The essence of the program

The new programs of the AHML agency began to operate on August 22, 2017. The main point is to restructure the loans of debtors left without a livelihood. During the restructuring, the state provides the debtor with 1.5 million rubles, but not more than 30% of the remaining amount of obligations (initially, from 2015 to 2017, the AHML mortgage program implied a return of 20%). These funds are intended to repay part of the mortgage loan and are transferred immediately to the account of the creditor (bank). The borrower does not receive the specified funds on hand. Moreover, the applicant does not interact with the agency at all. He only needs to apply to the bank with an application for restructuring, and then the bank itself will transfer required documents by the address.

Who can apply for government support

First of all, the federal program of the AHML agency was aimed at helping citizens who took out loans in dollars and euros. After the fall of the Russian ruble, such borrowers were forced to pay several times more on the loan than the original amount. But in the process of studying the situation with mortgage lending it became clear that mortgage repayment assistance was also required for those borrowers who took out a loan in Russian rubles, but subsequently found themselves in a difficult situation.
According to paragraph 7 of Government Decree No. 961, AHML should provide an assistance program to the following categories of borrowers:

Families with at least one child under the age of 18 in the upbringing (maintenance);
Families that have at least one disabled child in their upbringing (maintenance);
Families that have a full-time student in their support;
Persons with disabilities;
Veterans of war (real combat operations).

These categories of citizens can take part in AHML programs only if they meet the following requirements:

Lack of income. To determine the insufficiency, the average monthly official income of all people in the family (borrower, his spouse, children) for the last 3 months is taken into account, and the amount of the monthly loan installment is subtracted from it. If, as a result, for each person in the family (including those who do not have official income) there are not at least 2 living wages adopted in the region, the borrower will fall under the concept of insufficient income.

But since the essence of the AHML state program is to provide assistance to those who find themselves in a difficult financial position, income insufficiency will be recognized as such only if the monthly loan payments have increased by at least 30% of the originally estimated amount.

The mortgage was provided for the purchase of housing located within the territory of the Russian Federation.
Living space limitation. You can get on the list of the AHML agency program only if total area purchased housing does not exceed the following parameters:

o 45 sq.m. for one-room housing;
o 65 sq.m. for two-room housing;
o 85 sq.m. for housing with 3 or more rooms.

An apartment purchased on a mortgage is an uncontested living space for the borrower and his family. According to the AHML assistance project, it is allowed that the borrower or members of his family may own no more than 50% of the share of any residential premises (one for all). Thanks to the interdepartmental system of electronic interaction, the applicant does not have to provide information about the presence (absence) of housing. The agency verifies this information independently.
The loan was received at least 1 year ago. The mortgage program of the AHML agency is provided only to those borrowers who received a loan at least 12 months before the date of application. If the borrower has previously completed restructuring, he cannot receive a subsidy until 12 months have passed since the recalculation of the loan.

Separately, the AHML assistance program for residential mortgage indicates that if the borrower does not meet only one or two of the specified requirements, he can receive a state subsidy. At the same time, refusals under the AHML support program are possible even if the citizen meets all the requirements. According to the same AHML mortgage program, the decision to grant subsidies to certain borrowers is made by a specially created mortgage interdepartmental commission.

Conditions for obtaining state support

If the client meets the requirements of AHML, he can be provided with a program of assistance to mortgage borrowers. To do this, he must send an application to the bank for the recalculation of the loan under the AHML program. There is no need to submit a separate application to the agency. The list of applicants will be transferred to the interdepartmental commission by the bank itself. If the borrower was previously denied support under the AHML program, he has the right to send a second application for restructuring. This is especially true in cases where a citizen was refused due to lack of funds from the agency. From March to August 2017, the agency simply did not have the finances to provide subsidies to citizens. When it became known that the program would be extended, another 4 billion rubles were allocated for the project (2 billion from the country's budget and another 2 billion through the issue of new shares of the agency).

The AHML Agency Mortgage Program is subject to the obligatory observance of the following conditions:

Transfer of mortgages from dollars (euros or any other currency) to local rubles at the rate of the Central Bank, which was established at the time of approval of the application for restructuring.
Setting the interest rate at 11.5%. At the same time, the AHML's Mortgage Assistance Program enables the bank to lower the interest rate even further. The main thing is that it does not exceed 11.5%.
Reducing the total amount of debt by 30%, but not more than 1.5 million rubles. According to practice, the AHML agency can provide the Mortgage program in one of the following options:

o one-time write-off of the entire amount of state support with a decrease in the amount of monthly payments;
o transfer of loans from foreign currency to local rubles at a rate lower than the current rate, established by the Bank Russia.

Elimination of any penalties and fines accrued on mortgages for late payments. If the penalty is collected by court order, the mortgage borrower assistance program will not be able to help the citizen.

According to the requirements of the state and the agency AHML, the federal program of assistance to mortgage debtors prohibits banks from charging additional commissions from borrowers during loan restructuring. Banks are also prohibited from shortening mortgage repayment terms.

prospects

The Borrower Assistance Program has no expiration date. If in the previous version of the project the validity period (2 years) was clearly specified, then the current AHML program is unlimited, most likely it will be extended until the economic situation in the country improves. As long as this project is in operation, new types of AHML programs should not be expected, especially since an amount of 4 billion rubles was allocated to support borrowers who find themselves in a difficult situation.

Legacy projects

Until 2014, several more AHML programs were implemented: "Young Family" and "Moving". These types of AHML programs were adopted in order to create favorable conditions for obtaining a loan for young families with children, and citizens who own residential property, but who want to move to a new building.

Young family

The essence was to provide a reduced loan rate for families with at least one minor child to raise. In this case, one of the parents had to be no older than 35 years. The AHML program provided for the repayment of the difference in the interest rate with the help of a state subsidy.

moving

Another outdated AHML program. It was provided to citizens who own their own housing, but wish to move out of it. There were 3 types of projects:
1. Economy. The borrower sold his apartment, in return for which he received cheaper housing, he could dispose of the remaining funds at his own discretion. The option was relevant in case the borrower could not cope with the current mortgage loan. Then he sold a house (apartment) purchased with a mortgage, and in return received more modest residential property.
2. Intercity. The applicant sold his housing to the agency, moved to another locality and with the proceeds he bought an apartment there. To participate in the project, it was necessary that a citizen get a job in a new city and pass a probationary period there.
3. Comfort. The client sold his house and moved to a new, more expensive one. The option was popular when purchasing housing in new buildings. Then the principal amount shared construction it was necessary to pay immediately, but for this it was necessary to sell your home. The agency allowed citizens to stay in their old house, but at the same time own the area in the new building. As soon as the apartment was completed, the clients moved to new house.
The main disadvantage of this type of loan is a short loan term: from six months to 2 years. In the case of a larger difference between the cost of the old and new housing, the client had to pay large monthly installments.

Mortgage loans continue to be popular despite financial crisis. To facilitate mortgage payments, a special program of assistance to citizens has been developed. In 2019 State Agency for Housing Mortgage Lending continues to make compensations for housing loans.

Mortgage subsidies make it much easier monthly payments interest and reduce the principal. Current program based on the Decree of the Government of the Russian Federation of April 20, 2015, signed by the head of the Cabinet of Ministers Dmitry Medvedev.

Amount of state aid

There is no fixed amount that a young family can use. There are certain conditions under which it is possible to repay a debt in the amount of up to 1 million rubles:

the birth of a child will help the family receive compensation for 18m² of living space;
the appearance of a second baby allows you to get help for an additional 18m² of housing;
the decision to have a third child makes it possible for the state to fully repay the mortgage debt (this depends on the cost and area of \u200b\u200bthe apartment).

Note!

Each region has its own calculation maximum amount mortgage compensation. AT major cities it can be 1 million rubles, but in the provinces it does not even reach 600 thousand rubles.

Who is eligible for the subsidy

In addition to having children, the following categories of citizens can exercise the right to partial debt repayment:

guardians or adoptive parents of minor children;
participants in the war who received the title of veteran;
parents with a disabled child;
disabled persons of certain categories.

There are a number of life circumstances in which a conscientious borrower may qualify for a refund:

the total income of all family members for the last quarter (3 months) decreased by more than 30%;
the amount of monthly payments to repay a mortgage loan has increased;
after paying off the debt for the personal needs of the family, there are less than 2 subsistence minimums established in the region of residence.

To confirm life circumstances, it is required to submit documents that are carefully checked by the Agency's employees, after which a decision is made to provide assistance to borrowers, or to refuse it.

Don't expect to pay off your debt in full. But pleasant moments in the form of interest rate cuts or partial repayment debt can be a significant support for a family in a difficult financial situation.

All preferential provisions have their own expiration dates, so do not delay collecting required documents if a new direction appears in the program.

The beginning of 2018 brought a tempting offer to provide an additional subsidy, but a huge number of requests from those who wanted to take advantage of this led to a sharp closure of the project, due to the fact that the allocated funds had run out.

Registration procedure

Using the state program is quite simple - you need to provide a standard package of documents to the credit institution that issued the mortgage loan:

passport of a citizen of the Russian Federation;
full loan agreement for an apartment or house;
a certificate from the bank on the maturity of the mortgage and the remaining amount of the debt;
income statement from work;
confirming the right to ownership of mortgaged housing;
an extract from the USRR on the absence of other housing;
if there is a co-borrower, his certificate of income;
certificate from the pension fund on the lack of income of dependents;
certificate from the pension fund on the amount of the pension;
agreement about equity participation(for new buildings);
valuation of collateral property;
certificate from the bank about the payment schedule;

Documentary evidence of material difficulties that have arisen will also be required:

certificate of unemployment;
certificate of reduction wages at the enterprise, with copies of orders to reduce salaries;
all kinds of extracts from hospital cards, if the repayment of the debt is prevented by any diseases.

All documents from the USRR are issued on a fee basis. In case of refusal to provide a subsidy, the money will not be returned. It is worthwhile to study the provisions on the appointment of assistance well in order to avoid waste of money.

In addition to the main types of documents required to be presented in credit institutions additional certificates and extracts may also be required. The term for consideration of the application is standard - 10 working days from the date of submission.

It should be remembered that each individual financial institution reserves the right to set deadlines according to internal regulations. If it is necessary to urgently draw up documents, it is possible to write a written application to the bank with a request to expedite the verification process.

Payment procedure

Partial or full repayment of a mortgage at the expense of the state occurs in several stages:

To avoid wasting public funds not for its intended purpose, the money is transferred to a special account from which repayment is automatically performed.
If a child is born in the family during the conclusion of the contract, the state provides an additional 5% subsidy.
All program participants receive a certificate confirming the status of a beneficiary.
Repayment of the loan under the state program takes place in all banks of the Russian Federation.
Assistance to mortgage holders is provided once.

Basic requirements for housing and borrowers

In order to receive a preferential subsidy, an apartment or house must meet the following requirements:

Borrowed housing should be the only one for the owners.
The cost of an apartment should not be higher than 60% of the cost of similar housing in the region, according to the Federal State Statistics Service.
The areas must not exceed the following dimensions:

one-room apartments - 46m²;
two-room apartments - 65m²;
three-room apartments - 85m².

The rules do not apply to families with 3 or more dependent minor children. It is mandatory for the borrower to have Russian citizenship.

Pros and cons

The pluses include a rather impressive size financial assistance which makes life easier for the borrower. At the same time, the lack of transparency of the procedure, a large list of documents, paid certificates from the State Registers and the lack of explanations in case of refusal make the process of obtaining assistance tedious.

We can safely say that the program is a good support for housing borrowers who find themselves in tight financial circumstances. But the receiving mechanism needs significant improvements. The first of these should be the maximum transparency of all stages of obtaining such necessary assistance to young families.

Note that the main focus of the program is aimed at preventing a demographic crisis in the country. Apart from housing subsidies the state is actively developing social support for families with children, so the funding rules change every year, you need to carefully monitor new bills so as not to miss your chance to take advantage of the benefits.