Housing Mortgage Borrower Support Program. How to get additional mortgage payments from the state. Interdepartmental Mortgage Support Commission

With the fall of the ruble exchange rate, the economic situation in the country worsened. Many families who took advantage of mortgage programs began to experience difficulties in repaying their debt. To help borrowers, the Government signed a Decree regulating the scheme and methods for implementing loan restructuring. Read the article for details about the mortgage borrower assistance program.

The government is ready to help borrowers who are citizens of the Russian Federation subject to certain conditions:

• the client documents a decrease in family income of more than 30%;
• the income per family man after taking into account the mortgage contribution is less than one and a half subsistence minimums;
• there is no information that the person has been declared bankrupt in court.

• the family is a participant in a federal or municipal program to optimize housing conditions and has taken out a preferential mortgage;
• there are one or more minor children in the family;
• the borrower is a combat veteran, disabled or has a disabled child;
• the client is a government employee with at least 1 year of experience.

Options for government support for borrowers

There are several alternative options for helping insolvent debtors.

1. The loan currency is converted into national currency at the current exchange rate.
2. The rate on a foreign currency loan is set no higher than 12% per annum. The rate on a ruble loan is fixed until the end of the lending period.
3. The current payment is reduced to 50% for up to one and a half years. In this case, the underpaid amount is carried forward to subsequent periods.
4. The client’s financial obligations are reduced by 10% of the debt balance, but not more than RUB 600,000.
5. The bank does not charge the client any fees for restructuring.

The choice of restructuring option depends on the specific terms of the agreement: the currency of the loan, its validity period, etc. The lender is not obliged to write off fines and penalties accrued to the client for late payment, but may do so at his own discretion.

On April 20, 2015, Government Resolution No. 373 became valid. According to this document, certain categories of borrowers received the right to loans in national or foreign currency. This includes the following cases:

• family income decreased by more than 30%;
• Due to the depreciation of the ruble, loan payments in foreign currency increased by more than 30%.

Restructuring in this case involves the following adjustments to the terms of the contract:

• reduction of the current contribution for a period of no more than 1 year;
• partial write-off of the debt body;
• change in the loan rate – no higher than 12% per year.

When restructuring mortgage loans, creditor banks have the opportunity to return part of the lost profit within 6-12 months. For one loan, the permissible repayment limit is 10% of the loan balance, but not more than 600 thousand rubles.

In addition, the authorized capital of OJSC AHML was additionally financed by 4.5 billion rubles. This means that even more families will be able to count on assistance from the state.

To take advantage of the program, the borrower must contact his lender with a corresponding application. The website of the Mortgage Lending Agency shows that they have entered into a cooperation agreement with AHML.

AHML is only the regulator of the assistance program; this organization does not make decisions on mortgage restructuring. If the creditor agrees to this procedure, AHML will compensate the financial institution for losses based on the corresponding application.

Questions regarding the restructuring can be raised by calling the AHML hotline 8-800-755-55-00.

At the time of filing an application for restructuring, the loan agreement must be valid for at least 1 year. The security can be a pledge of housing put into operation or a pledge of rights of claim under an agreement for participation in shared construction. The main requirements for the collateral object are:

• the property is located in Russia;
• the total area of ​​the property is no more than 45, 65 or 85 square meters. m for a one-room, two-room and three-room house/apartment;
• cost of 1 sq. m of real estate does not exceed by more than 60% the cost of standard housing at the time of signing the initial transaction.

If there are three or more children in the family, the last point may not be observed. The premises in which the borrower's family lives must be the only one. The borrower or his family members are allowed to have a share in the ownership of other real estate, but not more than 50% in each premises.

To take advantage of the restructuring program, the borrower must submit a corresponding request to the bank. Attached to this document:

1. Photocopies of the passport of the borrower, mortgagor, and members of their families. For children - birth certificate.
2. Marriage/divorce certificate.
3. Confirmation of income: salary certificate and copy of the work book, certificate from the pension fund, certificate of state. entrepreneur registration and tax returns, certificate from the employment center, etc.
4. Loan documents:

• loan agreement;
• mortgage payment schedule at the time of receiving the loan and at the time of filing an application for restructuring;
• extract from the Unified State Register of Real Estate Rights;
• agreement for participation in shared construction;
• assessment of collateral at the time of loan receipt.

Additional documents may be required; check with your lender for a complete list.

One of the methods of helping the population is to reduce the size of the debtor’s obligations. This can happen through:

• converting the loan currency into rubles;
• interest rate reduction;
• one-time forgiveness of part of the debt.

When using the third mechanism, the state compensates the creditor for losses, i.e. lost profit.

Read also

Reviews and comments

Having learned about the extension of this program in early March, we called the hotline 8-800-7-5555-00, passed the compliance test successfully, and after telling the employees that we were eligible for this program, we began collecting documents. According to AHML employees, the program will be valid until May 31, 2017. Those. It turns out we have 3 months left. and we easily manage to collect the documents. None of the employees ever stipulated that the program could end early; if they had known, they would not have taken the risk and participated in this program. We have already ordered extracts from Rossreestr, which cost 7,400 rubles, and this is not little. By law, the certificates themselves must be prepared within 3-5 days, but in fact, from 1 month, who will be responsible for this? And it is also not possible to revoke the production of extracts, although we do not need them at all. (“Credit and insurance organizations, as well as
notaries were obliged to independently
request and receive information,
contained in the Unified State Register of Rights to
real estate (USRE) and
State Real Estate Cadastre (GKN) - corresponding amendments have been made to
a number of regulatory legal acts of the federal
Law No. 259-FZ dated July 13, 2015. From the moment the document comes into force, then
available from 12.10.2015, insurers, banks and
notaries when performing transactions,
requiring information from
Unified State Register and State Property Committee will have to independently
request the necessary information, not
shifting this responsibility to clients. Current versions of the laws “On banks and
banking activities" No. 395-1 dated
02.12.1990, “On the organization of insurance
cases in the Russian Federation" No. 4015-1 dated November 27, 1992, and
also Fundamentals of the legislation of the Russian Federation on
notary office No. 4462-1 dated February 11, 1993
imposed obligations on citizens
provide bank officials with
structures, insurance companies or
to the notary a complete package of documents,
intended for carrying out transactions,
implementation of insurance or notary
actions accordingly. To implement innovations, a unified
interdepartmental electronic system
interactions through which the exchange
information between Rosreestr,
Cadastral Chamber on one side and
banks, insurers and notaries with
another will be possible as soon as possible
short terms.") What kind of injustice and deception of the state is it that you can’t even trust the state? Of course, we were simply unlucky that we were on the list of families who did not have enough money.
I ask you not to ignore the requests of thousands of deceived families!
We kindly ask you to extend the assistance program at least for those families who have already ordered statements! I ask you to take action and not close the program early, find reserve funding so that it will be enough until the end of the program on May 31, 2017.

Why did they close the program, for Russians, as always, there is no money, it is better to help other countries, What a deception, people paid the last money for USRN certificates for 4 people, 8000 thousand rubles, the amount for the family budget is not small, at least the money for certificates was returned if there is no money, write off interest, we hope that the state will find a positive result in favor of the Russians

And what did you want, scam in the best traditions of our native state. At the end of February they called out: “We’ve thought about you guys, come and let’s sort everything out.” On March 9, I ordered certificates and paid 7,400 (the money was taken out of what was intended for food for the month, now we are finishing up what we had at home, borrowed for bread), on March 9 I learned about the termination of the program, but did not have time to return the money. In total, 3 more people in our department, from March 1-7, ordered such certificates, one of them is a single mother, everyone got into debt, and the result... In general, our state is once again trying to pull the last of our pants off...

Isn’t it confusing that the tariffs for certificates in Rosreestr have almost doubled compared to last year? The money supposedly remained, they decided to extend the program and increased the percentage from 10 to 20 so that more people would take the bait? I think our government doesn’t really care who takes money out of their pockets.
I understand the plight of everyone who has been deceived by this “help program.” We all had hope that at least some of our financial difficulties might finally be resolved... In the end, we were robbed.

Our state will help Syria better. On March 1, we went to the bank with a package of documents, wrote applications, they told us we were coming, make statements and bring them to hand in the documents. On the 7th in the morning we went to the bank, a bank employee came out and said that the state had run out of money and there would be no payments. I don’t know how they managed to pay out so much money, people stood in line for three months without results, bank employees, their families and friends, that’s just who was able to receive these payments. It's a shame that a hundred and many people paid a lot of money with no results

We found out about this program at the end of February, immediately started collecting documents, borrowed money to order statements for 5 people. Today we went to the bank and they told us that they had suspended the program and would no longer accept applications, I even burst into tears, I was very upset , we were hoping for some kind of help from the state, I’m on maternity leave, I have three children. It’s very disappointing. We really ask you to extend the program.

Ilona's link doesn't work. WE NEED TO GO TO COURT!!! I got into debt because of this program. After February 23, we learned about the extension of the program. On March 4, we picked up the statements and had to re-order a copy of the work report since the deadline was 1 month and the statements took 1 month. We call the bank, they say that documents are accepted until April 15, and the program itself until May 31. We calmed down and on March 6 or 7 the program ended. At least the money was returned for all costs.

Strange, it opens for me. To sue the state is a waste of paying a lawyer. There is a group on VKontakte, I’ll post the link below. In the meantime, I quote Sergei Ignatiev, he writes very competently and

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

Program for assistance to mortgage borrowers in 2019 from the state, changes and additional 730 million.

Today you will learn:

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

What you can get

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

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

Initially, this resolution provided for the validity of the assistance program until the end of 2016, but changes and additions were repeatedly made to it.

Today, according to the latest amendments to 373 Government Resolution dated November 24, 2016, assistance to mortgage borrowers (mortgage restructuring) valid until March 1, 2017(extended until May 31, 2017 by Decree of the Government of the Russian Federation dated 02/10/2017 No. 172, from 03/07/2017 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 resume the program. On August 11, 2017, new conditions for participation in the program to help mortgage borrowers were released - Russian Government Decree No. 961, which you will learn about from this article) and are 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 RUB 1,500,000.
• By agreement between the borrower and the bank, you can choose the format of assistance, namely, either use the entire amount of mortgage assistance to pay off the principal debt and thereby reduce the monthly payment, or to reduce the monthly payment by 50% or more for up to 1.5 years.
• Replacing foreign currency mortgages with ruble ones. Moreover, the mortgage rate cannot be higher than 11.5% per annum. For a ruble mortgage, not higher than the current bank rate, except for cases provided for in the mortgage agreement, in case of violation of insurance rules.
• Before September 1, a special interdepartmental commission must be created that 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 a 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 28,694 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 is very beneficial for them because losses incurred by the bank (lost interest income) due to early repayment are compensated by the state.

Changes to the mortgage assistance program dated 02/10/2017 suggest that the maximum compensation of 30% of the balance (up to 1.5 million rubles) is compensated by the state only if there are two children in the family or you are disabled (disabled child), and military veterans can also apply actions. With one child you can only claim 20%. Changes dated August 10, 2017 allow the maximum payment to be doubled by decision of a special interdepartmental commission.

Having analyzed the negative reviews about mortgage repayment with the help of the state, our experts came to the conclusion that most often the basis for refusal is inaccurate information provided by the borrower and lack of knowledge of the basic requirements and conditions of state support. Let's talk about them now.

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

Who can receive support from the state

Government Decree No. 373, as amended on November 24, 2016, provides 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 (trustees) of 1 or more minor children;
• Participants in hostilities;
• Disabled people or families with disabled children;
• Citizens with dependent children under 24 years of age who are studying full-time at an educational institution.

Requirements for mortgage housing

To receive assistance from the state, the mortgaged apartment must meet these characteristics:

• Should not exceed the total area for a one-room apartment - 45 sq.m., for an apartment with two rooms - 65 sq.m. and for three rubles or more - 85 sq.m.
• Cost of 1 sq.m. the total area of ​​housing exceeds no more than 60% of the average cost of a typical apartment in your region on the date of conclusion of the loan agreement (according to the Federal State Statistics Service).
• The residential premises must be the only one for the mortgage borrower. In this case, it is allowed to have a total ownership share of no more than 50% of all family members in one other residential premises. The availability of property is counted from 04/30/2015. Those. It will not be possible to quickly rewrite/donate “extra” real estate in order to become a participant.

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% of the property in another home, then you will be denied the program, but you can transfer it to relatives and then everything will be OK. From August 11, 2017, disputes regarding square meters and deviations under the program must be resolved by a special interdepartmental commission, which will be created in September.

Requirements for mortgage borrowers

• Russian citizenship
• Your income is less than twice the cost of living where you live for each person in your household, subtracted from your monthly mortgage payment. The last three complete months are analyzed. 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 with a floating rate. For ordinary mortgage borrowers, it is impossible for the current payment to be 30% higher than the original payment. But when the interdepartmental commission starts working, it will be possible to submit an application there for consideration, because Up to 2 deviations from the conditions are allowed. Deviation for increasing the monthly payment, among other things.

If you have a co-borrower in the mortgage and he has a registered share in the ownership of 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 receive the answer “NO” to one of them, then you will not be able to qualify for participation in the mortgage borrower support program in 2018:

1. Do you have minor children or are you a guardian (trustee) of such children?
2. Housing purchased with a mortgage in Russia?
3. Are all mortgage borrowers citizens of the Russian Federation?
4. After subtracting the mortgage payment, is the income for each member of your family less than twice the cost of living in your region?
5. Has your payment increased by 30% from the original schedule?
6. Is the mortgage issued for the purchase of finished housing or housing under construction?
7. The total housing area is less than 45 sq.m. for a one-room apartment, 65 sq.m. for two-room apartment and 85 sq.m. for three rubles and above (except for families with 3 or more children).
8. Cost of 1 sq.m. no more than 60% of the average cost per square meter in a typical apartment in your region?

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

How to get government support

Now you already know that you can count on support from the state in repaying the mortgage . Now all that remains is to find out how to get it.

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

The full list can be downloaded from the link.

As a rule, this issue is dealt with by the department for working with overdue debts. You just need to call your bank's contact center and find out where it is located.

The bank will give you a list of documents for state support for mortgages. A sample list is presented below:

1. An application form with a mandatory indication of the reason for providing you with assistance from the state (decrease in income, layoff, maternity leave, etc.).
2. Passports, birth certificates of minors of all family members.
3. Marriage certificate (if the marriage is registered).
4. Certificate of divorce, change of full name, parents and children, parental agreement on the child’s residence with one of the parents (if required).
5. A decision of the guardianship authorities or a court decision to establish guardianship (for guardians and trustees).
6. Combat Veteran Certificate (for veterans).
7. Documents on disability of the borrower or co-borrower or their children.
8. Birth certificate for dependent persons under 24 years of age.
9. Certificate of family composition to confirm the residence of a dependent under 24 years of age with the borrower/co-borrower.
10. A certificate from an educational institution stating that a child under 24 years of age who is a dependent of the borrower/co-borrower is studying full-time.
11. Notice from the Pension Fund that a dependent person under 24 years of age does not have independent labor income.
12. A certified copy of the borrower/co-borrower’s work record.
13. Official certificate of employment (for military or law enforcement officers).
14. Certificate of registration of individual entrepreneurs (for individual entrepreneurs).
15. Order of the Ministry of Justice of Russia on appointment as a notary (for notaries).
16. Work record book and/or expired employment contract for the unemployed.
17. Document on registration with the employment service (for unemployed people).
18. Notification of the pension fund about the status of the personal account of the insured person (for everyone).
19. Certificate from the Federal Social Insurance Fund of the Russian Federation about income due to temporary disability, benefits and other payments.
20. Certificate of income in form 2 of personal income tax or in the form of a bank from all family members.
21. Bank certificate on the total family income (provided by the bank).
22. Tax returns, patents, etc.
23. Certificate of pension amount for pensioners.
24. Loan agreement
25. Mortgage note (if issued, it is in the bank).
26. Application from borrowers about the availability of real estate in Russia.
27. Equity participation agreement (for a mortgage on a new building).
28. Mortgage collateral valuation agreement.
29. Technical/cadastral passport for residential premises.
30. Mortgage payment schedule.

The list is quite impressive and will make you run a little, but it's worth it. The only point that is quite difficult is extracts from the Unified State Register of Real Estate. They cost money. One extract on property rights throughout Russia is 1,500 rubles per person and no one will return it to you if you refuse. Last time there were a lot of complaints about this. As of August 11, 2017, the requirement to have an extract from the Unified State Register has been cancelled. The bank has no right to demand it. AHML independently requests it.

After a complete list of documents is provided to the bank, the responsible employee must send them to AHML for verification. On average, it lasts 30 days, but feedback from participants indicates that it can last 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, a new PSK document, enter into a restructuring agreement (additional agreement to the mortgage agreement), and 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 archives. After this, it is necessary, together with a complete package of loan documents and an agreement to change the terms of the mortgage (be sure to make copies), to visit the justice system for state registration of changes.

The process is similar at Gazprombank. VTB 24 closes your mortgage and issues a new loan for a smaller amount, which means that you again have to pay for insurance and appraisal.

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

Conclusion

There are a number of negative and positive reviews about this program.

Positive:

• A support amount of up to 600,000 rubles can help reduce your mortgage payment.
• Reducing your mortgage payment can help ease a difficult financial situation.

Negative:

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

From this we can conclude that the assistance program is indeed a good tool to support mortgage borrowers, but the mechanism for its implementation is complex, clumsy and opaque, which leads to negativity from the population.

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

Important point! If you have submitted an application for participation previously, but have not received a response, then you need to collect all the documents again and submit the application again.

If you were unable to participate in this program, we recommend that you consider another type of support for mortgage borrowers - Detailed conditions are described in a special 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: Hotline launched for mortgage borrower assistance program

The sharp decline in the national currency provoked a decline in the standard of living of the Russian population, which led to arrears on mortgage loans. This situation had a particularly painful impact on foreign currency borrowers. Some of them are even facing bankruptcy. You can read about the risks of bankruptcy with a mortgage and what will happen to the mortgaged apartment in the article at the link.

In turn, the Government of the Russian Federation in 2015 adopted a program to support mortgage borrowers who find themselves in difficult life situations. The mortgage assistance program is designed for 2016–2017.

The regulatory document regulating the procedure for providing assistance is Decree of the Government of the Russian Federation dated April 20, 2015 N 373 (with amendments and additions in force in 2017) “On the main conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in difficult financial situation, and increasing the authorized capital of the joint-stock company "Agency for Housing Mortgage Lending".

Now we will consider in detail the conditions for obtaining support for borrowers with a mortgage loan.

Attention. new program conditions

Reimbursement under the program is carried out for residential mortgage loans (loans), restructuring agreements for which were concluded before May 31, 2017.

Conditions for providing support to mortgage borrowers (as amended before August 2017)

Citizens can count on help with mortgage difficulties if 6 conditions are met simultaneously(listed below):

1 mandatory condition - categories of borrowers. The main requirement is that assistance is provided only to citizens who have minor children, or are combat veterans, or are disabled (or have disabled children).

Condition 2 - a decrease in the borrower's income.

To receive assistance, it is necessary that one of the consequences specified in clause 2.1 and one of the consequences specified in clause 2.2 occur (simultaneously).

2.1. The average monthly income of the borrower (joint and several debtors), calculated for the 3 months preceding the date of filing the restructuring application, must decrease by at least 30% compared to the average monthly income of the borrower (joint and several debtors), calculated for the 3 months preceding the date of conclusion of the loan agreement ( loan agreement), or the amount of the planned monthly payment on the loan (loan), calculated on the date of filing the application for restructuring (in ruble equivalent at the rate of the relevant currency established by the Central Bank of the Russian Federation on the same date), must increase by at least 30% according to compared to the size of the planned monthly payment calculated on the date of conclusion of the loan agreement (this paragraph does not apply since 2017 due to the publication of Decree of the Government of the Russian Federation dated November 24, 2016 N 1231);

2.2. the average monthly total income of the family of the borrower (joint and several debtors), calculated for 3 months preceding the date of filing the application for restructuring, after deducting the planned monthly payment on the credit (loan), calculated as of the date of filing the application for restructuring, does not exceed for each family member of the borrower (joint and several debtor) twice the minimum subsistence level established in the constituent entities of the Russian Federation in whose territory the persons whose income was taken into account in the calculation live. In this case, the average monthly total income of the family of the borrower (joint and several debtors) in the calculation period is equal to the sum of the average monthly income of the borrower (joint and several debtors) and members of his family, which for the purposes of this document includes the spouse of the borrower (joint and several debtor) and minor children, including including those under their guardianship or trusteeship.

Condition 3 – location of the property and official registration of the mortgage. According to current requirements, the object must be located on the territory of Russia, and must also be registered as collateral. Read about the procedure for applying for a mortgage in the article at the link.

Condition 4 – requirements for room area.

Assistance is provided if residential premises, including residential premises, the right of claim to which arises from an equity participation agreement:

• the total area does not exceed: 45 sq. meters - for a room with 1 living room; 65 sq. meters - for a room with 2 living rooms; 85 sq. meters - for a room with 3 or more living rooms;
• at the cost of 1 sq. meter of total area does not exceed by more than 60 percent the cost of 1 sq. meters of the total area of ​​a typical apartment for the primary or secondary housing market (respectively) in the subject of the Russian Federation in which the residential premises are located, determined according to the Federal State Statistics Service as of the date of conclusion of the credit agreement (loan agreement).

Exception: It should be noted that for large families the condition provided for in paragraph 4 does not apply.

Condition 5 – the only housing.

Assistance is provided only when purchasing a single home with a mortgage. In this case, it is allowed to have a total share of the mortgagor and his family members in the ownership of other residential premises in the amount of no more than 50 percent in each of such other residential premises.

Condition 6 – term for concluding the loan agreement.

Support is provided only for those loans for which the agreement must be valid for at least 12 months at the time of filing the restructuring application.

New. Since 2017, this requirement has been canceled by Decree of the Government of the Russian Federation dated November 24, 2016 N 1231

Mortgage Borrower Support Form

The joint stock company "Agency for Housing Mortgage Lending" deals with issues of providing assistance in the event of difficulties in repaying mortgage loans.

Assistance is provided in the form of loan restructuring. In this case, restructuring can be carried out both by concluding an agreement between the creditor and the borrower (joint and several debtors) to change the terms of a previously concluded credit agreement (loan agreement), and by concluding a new credit agreement (loan agreement) for the purpose of full repayment of debt on a restructured mortgage loan. To conclude debt restructuring, the borrower must submit an application to the credit institution.

Attention. In August 2017, by decree of the Government of the Russian Federation, the conditions of the state program were significantly changed. assistance to mortgage borrowers. The new terms of the program can be found in the article at the link.

Restructuring can take the following forms

In order to receive assistance, the bank must provide for the following changes in the terms of the mortgage loan:

a) changing the currency of the loan from foreign currency to rubles of the Russian Federation at a rate not higher than the rate of the corresponding currency established by the Central Bank of the Russian Federation on the date of conclusion of the restructuring agreement - for credits (loans) issued in foreign currency;

b) setting the lending rate for the entire term of the mortgage not higher than 12% per annum (for loans previously issued in foreign currency) or not higher than the rate in effect on the date of concluding the restructuring agreement - for ruble loans.

Which banks provide assistance to mortgage borrowers?

The main Russian banks have joined the borrower assistance program, these include:

Sberbank, Gazprombank, VTB 24, Rosselkhozbank, Bank of Moscow, UniCredit Bank, Promsvyazbank, ROSBANK, BINBANK, Absolut Bank, Avtogradbank, AK BARS, AKIBANK, GLOBEXBANK, Far Eastern Bank, Zapsibkombank, Bank ZENIT, Izhkombank, Krayinvestbank, Kurskprombank, LOKO-Bank , METCOMBANK, MTS-Bank, OTP Bank, Primsotsbank, RosEvroBank, Svyaz-Bank, Sobinbank, Center-invest.

Let us remind you that in order to obtain a restructuring, you must contact the bank that issued the mortgage loan, and then the bank itself will contact the Agency for Housing Mortgage Lending. Therefore, if all of the above conditions are met in the application to the bank, it would not be out of place to refer to Decree of the Government of the Russian Federation dated April 20, 2015 N 373.

Please note that the program does not provide for complete exemption of the borrower from making monthly loan payments, from paying fines, penalties and penalties accrued under the terms of the loan agreement (loan agreement). The lender may consider partially or completely writing off fines, penalties and penalties for late payments incurred during the period of deterioration in the borrower’s solvency. However, according to the assistance program approved by the Government of the Russian Federation, he is not obliged to do this. In addition, the program does not provide for the release of the borrower from obligations for property and title insurance, as well as personal insurance, the conditions for which are specified in the current loan agreement.

Prepared by "Personal Prava.ru"

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In 2017, the Russian authorities adopted Resolution No. 961, regulating the process of providing financial assistance to borrowers who find themselves in difficult life situations. The government has allocated about 2 billion rubles for these purposes. In order to become a participant in the AHML mortgage program at Sberbank, a person must come to a credit institution and write an application.

Budget benefits are provided to the following persons:

• Citizens who have one or more dependent children (including adopted children);
• Veterans of military conflicts;
• Parents who have a dependent student under the age of twenty-four studying full-time;
• Disabled people and citizens caring for people with disabilities.

Assistance is provided to families who find themselves in a difficult financial situation (household income does not exceed double the subsistence level over the last 90 days). The second mandatory condition for the provision of subventions is an increase in the cost of borrowed funds by thirty percent or more.

The terms of the AHML mortgage program at Sberbank impose certain restrictions regarding the area of ​​collateral. The maximum size of a one-room apartment cannot be more than 45 square meters. meters. Two-room - 65 sq. m. Three-room apartment - 85 sq. m. m. Benefits are available to citizens for whom a mortgaged apartment is their only home. An application for a subsidy can be submitted 12 months after signing the loan agreement.

To participate in the AHML mortgage program at Sberbank, the applicant must prepare:

• Statement;
• Passport of a citizen of the Russian Federation;
• Birth certificate for all children;
• Certificate of adoption, permission from the guardianship authorities and a court decision (if there are adopted children);
• War veteran certificate;
• Certificate of passing a medical examination. This paper is presented if there is a disability;
• Document from the university (for a full-time student);
• Individual pension account statement;
• Certificate of income in the form of a credit institution;
• Work record book, certified by the seal and signature of the director of the company;
• Certificate from the employment center about the amount of unemployment benefits (for temporarily unemployed citizens);
• Report on the assessment of the value of collateral real estate, compiled at the time of issuance of the housing loan;
• Original loan agreement;
• A copy of the registration sheet;
• Payment schedule.

According to the terms of the AHML program for a mortgage with Sberbank, the applicant must present an insurance contract and a receipt confirming payment of the insurance premium. The list of securities can be changed at the request of Sberbank managers. If the lender approves the restructuring, the balance of the debt will be reduced by 30% (the maximum amount of compensation is 1.5 million rubles).

Accrued fines and penalties will be written off (except for penalties that the borrower had to pay based on a court decision). If the loan was issued in foreign currency, then its size must be recalculated at a special rate (it must be lower than official currency quotes). The maximum cost of a foreign currency loan is set at 11.5% per annum.

Experts at the Accounts Chamber believe that the program to assist foreign currency borrowers has serious shortcomings. Officials believe that the conditions for providing financial assistance lack sufficient transparency. The consequence of this is a large percentage of refusals to provide budget benefits. The program is designed mainly for foreign currency borrowers. Clients who took out a loan in rubles have virtually no chance of receiving subsidies.

Banks are extremely reluctant to renegotiate contracts. They are delaying in every possible way the process of considering applications under the AHML mortgage program at Sberbank and refusing to provide preferential conditions to the majority of applicants. Bankers do not want to worsen the quality of the loan portfolio, as this will require the creation of additional financial reserves.

Employees of the Accounts Chamber believe that the number of restructured mortgage loans is underestimated, which indicates misuse of budget funds (according to official data, about 1,300 contracts were revised). This problem was described in a letter sent to AHML. There has not yet been a response to the Accounts Chamber's request.

The attitude towards foreign currency borrowers in society is ambiguous. Some sympathize with bank clients, while others condemn them. Most mortgage borrowers took out a loan before the sharp collapse of the ruble exchange rate. People took out foreign currency mortgages because the rates on them were lower than on ruble loans. It is this fact that is the cause of heated public debate.

Many people believe that Sberbank clients should solve their problems themselves. They indicate that financial assistance is provided at the expense of public funds (i.e., at the expense of taxpayers). Some say that assistance to mortgage borrowers may lead to a renegotiation of the terms of conventional loan agreements. Such a policy will undermine the stability of the banking system and create the preconditions for the development of an economic crisis.

Currency mortgages constantly attract the attention of the press. They organize pickets and hold various events in public places. People storm bank offices and go on hunger strikes. Citizens are not satisfied with the actions of the authorities and financiers. The situation with foreign currency mortgages is a source of social tension. In 2017, a group of people seized the reception office of the Bank of Russia and demanded a meeting with Elvira Nabiullina (head of the Central Bank of the Russian Federation). Preventive conversations were held with people. The unauthorized actions of the initiative group were suppressed by law enforcement agencies.

What is AHML

How much loan can I expect?

The bank always approves the maximum amount that it can issue to the borrower and co-borrowers specified in the application form. However, the loan amount cannot be more than 85% of the value of the property you have chosen.

I was denied a loan. Why? What to do?

The bank does not explain the reasons for the refusal, as this would lead to the disclosure of the borrower assessment system, which is a trade secret. There are potentially about twenty parameters of the borrower and co-borrowers that this system can rely on.

If the bank refuses you, you can reapply for a loan within the period specified in the accompanying text of the refusal. In some cases, you can reapply immediately.

How to increase your chances of getting a mortgage with a small official salary?

For example, you can apply for a loan with a certificate in the bank form instead of a 2-NDFL certificate. An income certificate in the form of a bank is an alternative document that is accepted by the bank as confirmation of the borrower’s income, but in which additional earnings can be taken into account.

I am an elderly person, will they give me a mortgage?

You can take out a mortgage until you turn 75 years old. For example, if you are 65 years old, you can take out a 10-year mortgage.

If I receive a salary on a Sberbank card?

Salary clients of Sberbank, depending on other loan conditions, may receive additional benefits. At the same time, benefits are available if any of the co-borrowers is a salary client.

· If over the past two months you have had at least one salary deposited onto your Sberbank card or account, you can receive a discount on your rate.

· If you have had your salary credited to your Sberbank card (account) in at least 4 of the last 6 months, you will not need to additionally upload an income certificate and a copy of your work record book.

How can I find out the overpayment on my future loan?

You can see the amount of overpayment by registering in your personal account. After registration, click on the calculation panel and you will see the overpayment diagram in the calculator.

Is it profitable to buy a life and health insurance policy for the borrower?

Life and health insurance in the insurance company Sberbank Life Insurance LLC or other companies accredited by Sberbank allows you to reduce the loan rate by 1%.

Considering the purchase of the policy, you will actually save about 0.5 percentage points on the rate. In addition to saving on the rate, the policy fulfills its immediate purpose - the insurance company will pay the bank the balance of the debt on your mortgage loan upon the occurrence of an insured event (disability or death).

I am a citizen of another country, can I get a mortgage?

Mortgages from Sberbank are issued only to Russian citizens.

Who can be a co-borrower?

Most often, co-borrowers are relatives of the main borrower - spouse, parents, children, brothers and sisters. In total, you can attract up to 6 co-borrowers. If you are married, your spouse must be a required co-borrower. Exceptions are possible if a marriage contract is concluded between the spouses.

How to use maternity capital for a mortgage?

You can use maternity capital funds in whole or in part as a down payment when obtaining a mortgage. You can use only maternity capital or the sum of maternity capital and own funds. For the minimum down payment amount, we recommend using the DomClick calculator.

When using maternity capital funds, it is important to agree with the seller on the procedure and deadline for receiving maternity capital funds, since this amount is not transferred from the Pension Fund immediately.

What additional costs will there be when applying for a mortgage?

Depending on the type of property and the selected set of services, when applying for a loan you will need to pay:

· Evaluation report – from 2,000₽ depending on the region and appraisal company (required for assessing the collateral);

· Insurance of the collateral (for the purchased apartment) - directly depends on the size of the loan;

· Life and health insurance of the borrower (not mandatory, but reduces the loan rate) - directly depends on the size of the loan;

· The state fee for registering a transaction in Rosreestr is 2,000₽ at independent registration or 1,400 ₽ for electronic registration instrations (this is an additional service and is paid separately);

· Renting a safe deposit box and paying for access to it (when buying a secondary home for cash) or paying for a secure payment service - from 2,000₽ .

The cost of services is approximate. Check the exact cost on the websites of the relevant services.

Which is better: new building or resale?

As a rule, an apartment or apartments in a new building are purchased directly from the developer, while resale apartments are purchased from the previous owner.

No one lived in the new building before you, the price per square meter is less than that of an apartment of the same class in the secondary market, there are promotions from developers, more modern layouts, however, you will not be able to quickly register at your place of residence, the elevator and gas will not be turned on until Most of the residents will not move in; most likely, they will have to wait for the development of infrastructure and the completion of repairs from the neighbors.

As a rule, you can move into a secondary property and register immediately after purchase; the infrastructure around it is already developed, however, most likely you will have to be content with a standard layout, worn-out communications, and you will need to check the legal purity of the property and the parties to the transaction.

What is the processing time for a loan application?

Review of the application does not exceed two days, but most clients receive approval on the day of application.

How does the process of obtaining a mortgage from Sberbank through DomClick work?

Depending on the type of property and other parameters, the process of obtaining a mortgage may vary.

However, the first stage is the same for everyone - submitting an application for a loan. To apply, calculate the loan using the DomClick calculator, register on the website, fill out the form and attach the necessary documents. Review of the application does not exceed two days, but most clients receive approval on the day of application.

If you have not yet selected a property, you can start doing so immediately after receiving approval from the bank, when you find out the maximum loan amount for you.

When the property has been selected, upload the necessary documents in your DomClick account.

Within 3-5 days you will be informed about the approval of the property you have chosen. You can choose a convenient date for the transaction, which is carried out at the Sberbank mortgage lending center.

The last stage is registration of the transaction in Rosreestr. Congratulations, you're done!

Why register on DomClick?

After registration, you will have access to a consultant’s help in the chat and a borrower’s questionnaire. Registration allows you to save your data so that you can return to filling out the application at any time. After receiving loan approval in the borrower’s personal account, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary to obtain a mortgage.

How do I find out the bank's decision?

Immediately after consideration of your application, you will receive an SMS with the bank's decision. A bank employee will also call you.