In 2018, a new lending program was started, which allows a large family to take a loan at a reduced percentage. For money purchased real estate in the new building. There is an option to invest money at home.

Features of interest-free lending to large families in 2018

To obtain an interest-free loan, you need to get under a certain category and fulfill all the conditions that the lender dictates.

If the bank approved the application, then we can safely choose real estate. It should be in a new building, and the construction company is accredited. All other nuances will tell a bank employee. They are not harsh and comply with the required requirements are completely simple.

Mortgage with state social support from Sberbank

Such a program implies a partial subsidization by the pension fund. If the percentage is reduced, the burent is minimized.

You can take this kind of loan in Sberbank - site https://online.sberbank.ru. The banking institution has its own conditions and features. Mandatory condition - compliance with the requirements. Since this program supports construction companies, then according to the specified conditions, it is possible to purchase housing only in a new building or that in the construction process.

Secondary housing will not get on credit in this case. Such real estate does not comply with the necessary standards.

Conditions for issuing a housing interest-free loan for large families from Sberbank

Sberbank joined this program and gives mortgage loans to persons with two and three children under the following conditions:

1. There is a reduced percentage - 6%. Such a benefit takes place for three years after the birth of the 2nd baby and five - after 3rd. When this time gap has exhausted itself, the interest rate becomes 9.25%.
2. Purchase the lender has the right only new housing. It can be located in a new building or be in the process of construction.
3. Real estate must pass accreditation. Accredited buildings are easy to find on the bank's website, which provides a loan. This nuance serves as a guarantee that housing is suitable for all standards. If the selected object is still built, the accreditation guarantees the completion of this process by 100%.
4. The first amount to be made will be 20% or more.
5. Maximum, which can be obtained - three million rubles, does not count such large cities like St. Petersburg and Moscow.
6. Housing insurance should be necessarily.
7. Really extend the maturity of the mortgage to 30 years. You can do this for the year, if there is an opportunity.

Requires:

• belonging to the citizenship of the Russian Federation;
• registration must be in the city where a branch of a banking institution is present;
• the experience, which should be at least a year at all and at least 6 months at the work on which a citizen is currently working;
• the age category within the 21st year is 55.60 years old (age is calculated until the mortgage repayment is calculated, it should not exceed 60 for the male and 55-torsional).

If the person plans to take a loan to build, then the money will arrive in parts. Various nuances will be negotiated personally and recorded documented.

There are also additional benefits if the family falls under the following parameters:

1. The age category of her husband or wife does not exceed 35 years of age. Here you can participate in the program "Young Family".
2. If there are two or more children, it is possible to take the Matkapital. When making a major amount, the interest on the loan is initially reduced.
3. The salary client is recalculated, the discount system acts - 0.5%.
4. After registering the insurance, a discount appears - 1%.

Keep in mind if there are any violations of payment, it will already have to pay 12.4% per annum.

St. Petersburg

If the loan takes the inhabitants of St. Petersburg, the largest amount that can be put on 8 million rubles. Prescription is required, certificate from the place of work and compliance with other requirements.

Moscow and Moscow region

For persons living in Moscow and the Moscow region, the maximum of 8 million rubles is also valid. Everything else coincides with the terms and conditions and requirements.

If the person has any nuances for which the payment cannot continue in the specified order, that is, the option to ask for a delay.

New Law VTB24

VTB24 also has a privilege for large families. The bank gives loans at housing under 8.9%. The conditions are the same.

Maximum also 8 million rubles. It is initially made 20% of the cost paid for real estate. There is an option to make the first amount from the Matkapalo, if you really get it.

Interest-free housing loan for a large family in 2018

By giving money the bank takes secured by the object that the payer buys. This is a guarantee that the person who takes a large amount will pay debt. If this does not happen, the banking institution confiscates property and orders them as it will consider it necessary.

Without this, the mortgage will not give. The housing code also provides for the privilege for large families, but at the same time the family should be poor and in need of housing.

The Ministry of Finance has developed a program, the essence of which is a mortgage loan with a 6-percent rate.

Those citizens who appeared on the light of the 2nd or 3rd kid can be reached under it, and this should happen in 2018. There is a project until 2022. The Bank's interest rate is not entitled to raise more than two percent over the entire period.

Also, another nuance - subsidy can be resumed for a five-year period, if another baby appeared in the pair.

Benefits in the amount of residents of the Moscow region and St. Petersburg, instead of 3 million, they can take 8 million. The first 20 percent fee is required.

Important moments:

• permanent work, giving income;
• positive credit history (no one will give such a sum to the avid debtors);
• age valves.

To get money on housing, make sure you come under the criteria established by the banking institution.

Package of documents for registration of interest-free mortgage

To get a loan, a citizen is obliged to collect a full package of documentation. This includes:

• applications - questionnaires (write all cooked miners if there are several of them);
• passports of the Russian Federation (in them must be registered, registration);
• certificates of the birth of children;
• certificates confirming the systematic receipt of income of all coaches;
• paper on family composition.

If the required property is not provided on bail, but the documents are provided, then the documents must be confirmed by the information that this is a personal property.

After the banking institution receives all the necessary paper, it can pass from two to five days, until the organization checks. After this period of time, the decision is made. It can be positive or negative.

If everything turned out in favor of a person who filed documents, the bank can ask from the client whether it will be able to pay a 20 percent contribution. Perhaps this fact will have to be appropriate.

So that everything goes as it should, it is worth making sure that your family is suitable for all criteria.

1. Consider, if you will not be over 55 or 60 years before the full payment of the loan.
2. Do you have a necessary amount of experience and permanent job.
3. Check that all documents are in order.
4. If you have a bad credit history and there are good valid reasons for it, then prove it.

All other nuances decide along the course of action. The main assessment of everything "soberly" and do not hurry with the conclusions.

Repayment early

If the payer has the opportunity to pay a debt ahead of schedule, then it is real. To do this, come to the bank and write a corresponding statement. It indicates how you want to repay the loan: in whole or in part.

Refinancing

If you have already taken a mortgage loan and suddenly realized that you can submit to refinancing, then it is never too late.

To reduce the percentage, under 6%, it is necessary, for example, to give birth to a child in 2018 (third or second).

There may be other points that reduce the interest rate. Everything is considered individually by the Bank's employees.

To support large families, the state and banking institutions launched a new project that allows you to take housing to the mortgage at a reduced interest rate. It is important for the acquisition of real estate to meet all the requirements and submit documents on time.

Useful video

Own real estate for many Russians is the subject of luxury and inappropriate dreams. You do not have to buy your apartment and simply, given the extremely high relevant market prices. The output is to obtain a mortgage that is capable of solving a housing issue.

But sometimes due to the high percentage of paying people refuse such an idea. Everything would greatly facilitate interest-free mortgage if it existed and was actively used by banks.

The interest-free view of housing lending exists in practice and is successfully applied on the Russian market. This is one of the varieties of state subsidies that are adopted at the legislative level. Such support makes the acquisition of housing objects at times more affordable for an interested audience.

Mortgage without interest First of all, focused on young familieswho need to expand their living space or do not have their own square meters. Rental housing is not particularly profitable for the budget of a young family, and therefore you have to look for an alternative. And a reasonable solution lies just in one of the state social programs.

Interest-free housing lending for young families

Social state programs for mortgage subsidy are designed for targeted assistance to a young family in obtaining housing capital. Credit reliefs operate on the basis of individual banks, where loan agreements are issued. Gazprombank and Sberbank are one of the few financial institutions that work with this social program.

The interest-free mortgage for a young family in 2019 offers a gratuitous assistance option in accordance with the conditions prescribed. Such financial support is designed even on those families where there are no children. However, in families from two people a permissible rate of state subsidy is only 30%.

If the family has a minor child, then the amount of support is calculated based on out of 35%. At the birth of a third baby can rely by 40% State support. In some administrations of regional centers, you can request additional financial support for the purchase of a young family. in the range of 5-10%.

The funds allocated by the state can be purposefully used to pay the primary contribution of the mortgage and the remaining percent. Due to this, it turns out that the mortgage resets its credit rate, which is paid from the funds allocated by the state. Additionally, when paying mortgages, it is possible to use "maternal capital", as well as other social programs that are provided for by law.

Conditions for opening mortgages for young families

To better understand the question of how to get an interest-free mortgage of a young family, the conditions for such a state social program should be explored. Without compliance with such requirements, the use of public funds will be impossible.

So, young families without children have the right to acquire real estate on mortgage conditions with residential area not exceeding 42 m2. If a young couple has children, then the calculation formula becomes next - each member of the family can count on 18 m2.

At the same time, it will be necessary to collect and the main package of documents for granting them to the bank to open the relevant mortgage lending program:

• Certificate of marriage.
• Passports of each of the relatives.
• Certificate, which confirms the participation of a couple in the relevant social program of the state.

You can get a certificate of participation in the State Program on the basis of an application in local authorities. Couple becomes queued. The final decision will be made within 30 calendar days.

Mortgage without interest according to the laws of Sharia

According to the laws of the Islamic religion, believers do not have the right to participate in banking programs where there are interest. That is, they are not available and loans, and deposits. Therefore, all over the world there is such a concept as "Islamic banks", where there are services for service and work with clients.

Mortgage without percentage of the apartment under the terms of the Sharia will be a long version of installments indicated by the amount of housing real estate at an overestimated market value for the same bank interest. With this approach to lending, Muslim can afford to purchase an apartment without conflict with his religion.

However, the legislation only works as a question on the basis of global practice. According to general estimates, the total volume of financial flows among the "Islamic banks" is up to 2 trillion. Dollars.

Interest-free mortgage from Russian Railways

Young specialists, as well as for pensioners who were or are in the structure of the Russian Railways company, special benefits are discovered in the design and purchase of real estate. Support is carried out exclusively to employees of the company, not every concerned citizen of Russia. Do not confuse it!

Russian Railways cooperates with VTB24 bank, and therefore in the departments of this financial institution and you can make a mortgage agreement with special subsidies. The benefit is that the employer itself will be compensated for 7.5% of the monthly overpayment. This is a standard bet for all employees of Russian Railways.

If the application is issued by a young specialist up to 30 years old or large employees, then in such cases the company's benefits will cover 8.5% of credit payments. Then, when choosing certain bank mortgage programs, the loan will be either interest-free or minimal monthly overpayment.

Outcome

The question of how to take a mortgage without percent, was asked for very many Russians. And it is obvious that a fully solved goal, taking into account the many social programs that are provided today. Not only the state, but also a number of largest companies offer profitable subsidies on mortgage treaties in order to make the acquisition of real estate more affordable.

An interest-free mortgage loan for an apartment is the dream of all young families. Creating a new cell of society in all family members, there is a huge desire to have a separate housing.

This type of lending is used in practice in Russian expanses, and represents one of the types of subsidies, which the state allocates.

Such support makes an apartment available for its acquisition, which favorably affects the construction of the life of the newly created families.

Interest-free lending to young families!

The new apartment for most citizens is the subject of luxury and is an almost unattainable dream. To buy my own apartment lately is very hard, if we take into account the high price policy in the housing sales market.

It is not worth a despair in this situation, because there is a possibility of getting a mortgage. Her hoist, the housing issue is solved very quickly. But it is worth noting that one minus is present - an overestimated interest rate and often people are not solved for this risk.

The only way out of such a situation is an interest-free loan, which allocate government packages aimed at obtaining housing.

Perhaps interest:

Such subsidies without interest accrual are primarily assisting young families who are in dire need of their own living space. Rent an apartment for a small family budget is a difficult decision, so it is necessary to find an alternative solution to the issue and social programs come to the rescue.

Directions for the provision of funds for the purchase of housing primarily help newlyweds. Credit crossings spread their effect in the context of various banking enterprises that are directly designing contracts.

The leading position in this area of \u200b\u200blending occupy two banks - Sberbank and. These financial organizations are one of the few who work in this direction of the provision of services.

Within the framework of 2018, a loan without interest is aimed at allocating gratuitous assistance in the implementation of certain agreements provided for by the Treaty. Such a service applies even to those families in which there are no children. But in the presence of new family members, the rate of the grant of the subsidy increases.

The table examines all options for interest-free lending:

There is an agreement an increase in the amount of full cost coverage, where there is an increase of five or ten percent.

It turns out that the mortgage credit rate can reset at the expense of public funds. The use of "maternal capital" is also provided when buying an apartment or at home.

Opening a mortgage and its requirements!

To faertily understand this kind of state subsidy, it should be thoroughly taken to study all the rules of this program. The main one is subsidized without the presence of children only on the living area, which will not exceed forty-two square meters.

When children appear, the calculation is carried out according to the formula for the addition of eighteen square meters to the main one.

The package of documents must contain:

• marriage certificate;
• passports of all adult family members;
• certificate of access to the database of interest-free lending.

Its obtaining it passes in local authorities, after which the pair is included in the queue and for thirty calendar days the final decision will be available.

In Islamic religion, people cannot take part in events that are aimed at paying interest. Take loans and put funds on the deposit they do not have the opportunity, according to religion. Therefore, in the world space, the concept of as "banks operating on Islamic laws" that perform a number of necessary restrictions.

This option of mortgages will look like an installment of funds for the purchase in the form of an overpriced market value broken at a large period of time. Only in this performance of Muslims living in the country may be owners of square meters, and the use of such subsidies is often used quite often today.

Junior specialists and pensioners who work or worked in Russian Railways are provided by special preferential provisions on the purchase on a loan without real estate.

Support only employees, and is directly involved in this process. In this financial institution, it is very easy to issue a loan for Russian Railways workers.

Preferential agreements include overall compensation within 7.5% of the total amounts of monthly payments. Such a bid is constant for all employees.

In the event of such a procedure, a young specialist is up to thirty years and families with many children the rate to cover costs increases to 8.5%. When choosing mortgage programs, interest rate will be minimal or absent at all.

Questions about how to go through a procedure for obtaining a real estate switcher are given a lot of citizens, and, depending on the conditions for its receipt, the procedure does not look difficult and solve it can absolutely any person who needs its own living space.

Mortgage conditions in Sberbank!

Modern requirements are aimed at buying in installments without percent. A long-term collection of funds for the purchase of new housing is very complex and almost not performed by the process, but loans, with interesting agreements providing no% will help you quickly solve the urgent problem with the apartment.

When choosing a creditor bank, it is better to stop your choice on reliable, and installments should be economical. Sberbank is an unsurpassed leader in housing lending.

Most banks issue amounts only when making a first contribution, but the financial situation of young couples does not always provide for the presence of such.

From 2018, Sberbank has been offering preferential subsidy rates with the possibility of state aid, which helps to improve housing conditions.

Get housing for housing in certain conditions, which:

• provide installments without% only within the framework of the state program;
• it is envisaged to use maternal capital;
• housing loan for servicemen;
• loyal conditions to customers with salary projects of the bank.

• young couples, married;
• faces without housing;
• the priority provision to people in line.

Selection criteria for young couples are less than thirty-five years. Citizens of the Russian Federation can issue a mortgage. Mandatory rules for working and appropriate earnings, which will be able to cover monthly contributions. The experience for the period of the last five years should not be less than one year.

All options for mortgage subsidies require mandatory insurance of the object. In the rules of Sberbank, such a procedure is called thirteenth payment. It consists of funds for insurance and costs for certain bank risks.

All tools are issued in national currency and have age criteria from 21 to 75 years, for military personnel age limit to forty-five years. The payment of borrowed funds is stretched as much as possible to thirty years.

Interest rates differ and depend on the following factors:

1. during refinancing, the rate consists of 13.25%;
2. with the use of maternal capital, the size does not exceed 9.5%;
3. state installment has 10.5%;
4. mortgage for the military begins its height from 9.5%.

The amounts provided to as an interest-free housing loan oscillate: families lending to the state program, receive 45 thousand to 8 million rubles; During maternity capital, they allocate from 15 thousand to 8 million rubles; Terms of servicemen can count in the amount of 15 thousand to 2.4 million rubles.

Rules for the repayment of such mortgages from Sberbank can be stretched for long thirty years, military cream, which are obliged to pay all debt before the onset of five years. The total payment amount of interest enters the loan body and is divided proportionally for all the years.

Required package of documents!

An interest-free mortgage requires the presence of a minimum set of documentation. All requirements have exceptionally standard limitations, according to which it must be submitted:

1. passports participating in mortgage;
2. properly compiled questionnaire;
3. proof of citizenship;
4. a copy of the employer's labor certified seal;
5. income certificate;
6. certificate of maternal capital;
7. during refinancing - a loan agreement of another financial organization.

The interest-free loan of Sberbank is designed to buy real estate in the form of apartments and houses. Objects can be as built as ready to settle.

Buying a living area, it is she who will debt, and will belong to the bank to the extreme payment. Do not forget about the main requirement of the bank - the property must be bought at the legal entity.

Loans are issued by the bank, both in full and partially. The financial institution does not undertake to repay early and does not require additional fees and fines.

Sberbank data Lending conditions aimed at interest-free repayment are available to various categories with the possibility of reducing the purchase time and minimizing the initial acquisition costs.

Sberbank offers attention to several important advice for young families who have expressed a desire to get an interest-free loan:

• first of all, if the acquisition lacks a certain amount is better to make a target loan, because It is more profitable than consumer;
• it is not necessary to pull with the decision if the age comes to the mark 35, the mortgage for young families offers a good chance of buying a good monastery, with the possibility of delaying payments;
• if you reduce the payment term for the loan and maximize the amount of the first contribution - the total cost of the housing will be much cheaper;
• do not forget about the right of return of income tax, the requirements of the Tax Code provide significant savings by reimbursement of income tax.

The Bank provides a guarantee of full legal support for the entire process of registration of a transaction in compliance with all legislative acts

Confidence in documents proving the right to buy housing does not cause any doubt. Lack of hidden commissions and concealing any information of interest.

Within the framework of the "Youth - Affordable Housing" program, three types of assistance are provided: social payments, an apartment in installments and interest-free loan. The latest version of the program participants still did not really proged, and after all, "sophistication" here is much smaller, especially for waiting for experience.

Classification of queues ...

As everyone knows, in order to become a member of one of the urban target housing programs, it is necessary to consist of a queue. The program for youth is no exception. Recall that the wait can be one of the family members or a few that the family can be incomplete or is generally a young man who is just going to create his family.

The participants of the "Youth - Affordable Housing" program today in St. Petersburg there are about 17 thousand families. And according to the plan to grant material support the city this year plans 700 families. And this tendency is "undecid" long, although there is a positive dynamics, it is not worth it.

But still it is not difficult to guess that, having joined the program, from the queue number 1 you are in line No. 2, in which you can already completely the same as you. Here in priority, naturally, large families. And then your position in the second queue is determined by the position in the number one queue. In other words, it does not matter when you have become a member of the program, it is important - when you become a waiting.

By the way, it is indicative in this regard and the fact that age of 35 years, limiting the legislation, is considered from the moment of joining the program. If the next ten years and you are "berry again", nothing terrible.

To participate in the program, you must provide in the State Multifunction Center of the Area (at the place of registration) or to the Consultation Center of JSC St. Petersburg Center for Affordable Housing "following documents:

1. An application for the provision of a target housing loan for the forms approved by the Housing Committee in accordance with the terms of the programs.

2. Registration certificate (form 9), if it is impossible to obtain this information within the interdepartmental exchange of information (that is, for citizens living in houses under the control of HOA, in hostels, as well as members of the applicant family registered in the Leningrad region and other regions Russia).

3. Help "Characteristics of the occupied residential premises" (form 7), if it is impossible to obtain this information within the interdepartmental exchange of information (that is, for citizens living in houses under the control of HOA, in hostels, as well as members of the applicant's family registered in Leningrad Areas and other regions of Russia).

4. Copies and originals filled in pages of passports of adult applicants, as well as the Passport Pages "Children" and "Marital Status", even if they are not filled.

5. Copies and originals Certificate of conclusion / termination of marriage.

6. Copies and originals of children's birth certificates (if available) and passports of children (filled pages of passports, as well as the Passport Pages "Children" and "Marital Regulations", even if they are not filled), which have reached 14 years.

7. Copies and originals of evidence of paternity, or form No. 25 (if available).

8. Copies or originals of insurance certificates of compulsory pension insurance (SNILS). Read all hide

... and scholar

So, the sea of \u200b\u200burban crashes went to the river of one program. Further, this river disintegrates on the streams - depending on the selected type of assistance. All of them, as mentioned above, are three. The most popular is still a social payment. Here as in a car traffic jam: the citizens climb where it seems to be more convenient, and create an even greater jam. Petersburgers believe that social payment (irrevocable!) Best option. And it does not matter that often these funds are missing for solving a housing problem.

But the numbers of eloquent: on August 1, almost 11.5 thousand families are waiting for these very payments, of which 1.2 thousand - they have priority law (residents of communal, large families and participants of the subprogramme "Providing housing of young families" of the Federal Program "Residence") . With this, according to plan, they will get no more than 2.4 thousand social stock.

By the way, we forgot to say that the Saint Petersburg Center for Affordable Housing is the operator for young people. His website contains detailed information about who has the right to participate in the program, and the entire actions algorithm is painted. There is also a fairly convenient calculator, we will come back to him.

The second type of assistance is just a purchase of housing from the operator, in installments for ten years. The minus of this option is obvious: a limited choice of objects.

And finally, our streams are an interest-free loan.

Youth of the world

This is the most young stream, the first credentials of the program participants who have chosen this method of solving a housing problem are dated 2013. At the same time, the first hundred evidence was issued about the possibility of obtaining such a loan.

Judging by the statistics of the program operator, this type of assistance has not yet gained serious volumes. Let's try to figure out why.

The Director General of the St. Petersburg Center for Affordable Housing Vladislav Nazarov believes that the main reason is just a short time during which the possibility of obtaining an interest-free loan exists. And, taking advantage of the chance, reminds that the participants of the program always have the ability to change their choice - instead of the social range to take a loan, or vice versa. Moreover, as we remember, in the intrarogram queue, their position will not change: the main thing is the date of the queue.

What is interesting to the loan

By the way, there are options when the type of promotion in the form of a loan may not only be the best, but also the only interesting at the moment.

That is quite a sketch. Family: husband, wife, child. Parents are already 35, but in the program they (more precisely) entered on time. So: Mom and daughter - sections, dad - no. What can these people qualify for?

Actually, the first question should sound different: what do they want? And they want "treshka" for 3.6 million rubles. And they have 1.1 million. They can get an interest-free loan in the amount of 2.5 million rubles. (For it is impossible more than 70% of the cost). And taking into account the fact that Mom stands in line for more than ten years, the loan they will receive not through the conditional five years of standing in the "Jewel", and this year (in the worst case, in the next). And there will be 21 thousand rubles per month will pay, and not 36 thousand, as with the usual mortgage. And one and a half million percent for the entire maturity will not overpay.

And if they began to wait for their social payment, then, even without taking into account the discounting coefficient of "money in time", would have received something about a million and two with a little bought something ... as they say, consider. That is, it would still have to occupy or lend.

There are definitely nuances, like without them. When loan it is necessary to confirm revenues, and only 2-NDFLs. But the conditions are rather soft - 45% (after deducting taxes, communal and other mandatory payments) can be spent on repayment of a loan. True, the standard is ten years old.

Loan funds can be directed to the payment of part:

1. contract purchase and sale agreements;

2. Treaties of participation in equity construction (only in the operator accredited by the operator of construction);

3. Agreement of the assignment of rights under the Treaty of Participation in Share Construction (only in the operator's accredited construction sites);

4. PJSC Member of the Housing and Construction Cooperative (hereinafter referred to as the HSSC) under the contract fee (only in the construction project accredited by the operator).

To whom additives

If a child (or parents want to hear someone (or parents want to adopt someone), they may be given additional social services to pay for the amount of the principal debt on the indicated loan agreement. It is at least 5% of the estimated value of the residential premises for each barefied (adopted) child.

Under interest-free mortgage means housing lending with compensation of part of funds.

Thanks to state support, certain categories of citizens receive benefits, among which -.

The loan amount is partially repaid at the expense of regional or state budget.

Grearants do not have to pay for the use of credit money. Such a mortgage is called interest-free.

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The government developed several programs within the subsidy "Affordable Housing to Russian families".

According to them, the beneficiaries can count on obtaining one of three types of material assistance:

What help will be provided depends on the program and species. In the middle state or the municipality is made 30% of the cost of housing.

Who are the benefits

To date, the social mortgage in Moscow is available for:

• large families who born and / or adopted three and more children;
• mothers and alone fathers;
• young families in which one of the spouses was not 35 years old;
• pensioners;
• young professionals (teachers, doctors, etc.);
• employees of budget organizations.

Citizens of any of the listed categories of benefits must meet two basic requirements:

It is possible to take advantage of its right to receive benefits after submitting documents, enrolls queue and expectations (duration ranges from several weeks to several years).

Terms of receipt

Basic requirements for borrowers:

Other conditions for design are governed by the Bank.

Video: Social Mortgage - What opportunities has borrowers

These are standard requirements:

How to get an interest-free mortgage

To do this, you will have to prepare documents and wait for your turn.

The state will take on the payment of part of the borrowed funds by making the purchase of housing affordable.

Single mothers

Now the state does not relate mothers raising children without a father, to a separate category of beneficiaries.

Therefore, women are not provided with the right to design an interest-free mortgage.

But they can take part in other programs, for example, designed for young families.

In this case, one main requirement is presented - age up to 35 years.

But in some regions of the country, lonely parents can count on help from the municipality.

Regional authorities issue certificates to women raising children without a father.

The document gives the right to purchase an apartment with a discount or use the means to repay a part of the mortgage debt.

The certificate does not deprive women of law to take part in other social programs.

To make a loan to single mothers is problematic because the family income is lower than the required.

In order for the bank to be loyal, it will be necessary to lay existing expensive property or attract several guarantors.

A lone parent can take part in the program for young families.

In this case, you must comply with several conditions:

To participate in the program, it is necessary to submit documents to local authorities and stand on line.

Families suitable for these criteria are issued a state subsidy, the size of which depends on the number of children.

If a child is one, then 30% of the cost of housing is paid. Families with two children are provided with a subsidy of 35%, etc.

The advantage of this program is the low size of the initial contribution, which is 10% of the cost of the apartment.

To do this, you can use the means or subsidy.

But the "Young Family Available Housing" program has several nuances:

Certificate can only be used for mortgage design after joining the program	subsidy can not pay off already a current loan. Moreover, if the family buys an apartment for borrowed funds and its area is equal to or exceed 18 square meters for each family member, the participants are automatically excluded.
Participants use priority	wishing to build their own housing, and not buy ready for subsidy
Help will be provided	only citizens with constant income
Credit has a limit	no more than 2.2 million rubles
joined the program after 2011	can be purchased on credit only housing on the primary market or use subsidy for the construction of a private house

Large family

At the birth of a third child, a land plot is provided, as well as a regional payment for improving housing conditions. Other preferences are not provided.

But large parents can take part in the program for young families, if one of the spouses has not yet been 35 years old.

Young professionals

Citizens who have recently completed the university and worked in state or municipal organizations by profession for 3 years and not reaching the 30th anniversary can become participants in the state program.

On the subsidy in the form of payment of the cost of housing (repayment of the initial contribution or interest), the employees of the following professions are claiming:

1. Teachers.
2. Doctors.
3. Scientific workers Research Institute, Russian Academy of Sciences, NGOs.
4. Employees of scientific organizations, etc.

Employees of the budget sector

Requirements for this category of applicants are as follows:

Statements include health workers, culture, internal affairs bodies. Teachers belong to a separate category.

Sequence of stages

To participate in the social program to receive a subsidy, it is necessary to need to improve housing conditions and have sufficient income to repay the mortgage.

First, you will need to contact local governments and get a list of documents required for formulation.

Then you need to prepare certificates, make copies and re-visit the administrative body.

For consideration of documents goes on average 1 month. After that, a decision is made on the possibility of setting in the queue.

Participants are issued a document confirming participation in the program.

About the queue, the family is notified by the specified telephone or postal address.

Also, participants can check the order personally by visiting the institution where documents were adopted.

When there is a queue, the participants are issued a certificate confirming the right to receive a subsidy.

With it, you can contact the selected bank for making a mortgage.

Collect the necessary documents

To participate in the program will need to prepare:

Passports of participants and childbirth certificates	original and copy
Documents confirming	fact
Marriage certificate	copy
	about family composition
Help inspection certificate	on the absence or availability of real estate ownership
	for accommodation in a municipal apartment
Employment history	copy (for specialists)
reference	about income level and confirming status
Help confirming	the fact of recognition of the family poor
Certificate	on recognition
	and certificate INN