The military mortgage program has been operating since 2005. Already in 2008, the first program participants were able to receive the keys to their apartments. Today it is one of the most profitable ways for the military to acquire a good apartment not only in St. Petersburg, but also in other cities of Russia.
Who is the military mortgage-2016 intended for?
First, you need to figure out to whom the military mortgage is issued in 2016. The legislation defines the following category of persons:
- military personnel who received the rank before the beginning of 2005, and everyone who served previously;
- sailors, sergeants, soldiers and foremen who signed a contract after 2005;
- reserve foremen, warrant officers and warrant officers who have served for more than 3 years since 2005;
- military personnel whose army experience exceeds 20 years;
- dismissed military personnel who have served for more than 10 years.
Military mortgage terms in 2016
The main "highlight" of the program is that it allows you to pay the first installment using public funds. The amount of allocated funds is regulated by the authorities and is annually adjusted in accordance with the inflation rate. So, the amount of the military mortgage in 2016 reaches 245 880 rubles, i.e. every month 20,490 rubles will be credited to your account.
So, if you are a military man and want to get a special mortgage, you need to join the NIS program. It will take only three years, and you will be able to issue a certificate for the allocation of a targeted housing loan. To do this, you need to submit a report. Then you need to choose a bank, open an account there and transfer funds received from the state to it.
It should be noted that it is more difficult to take a military mortgage from a bank in 2016 than in 2015. Due to the crisis, the number of banks working with this state program has decreased. The maximum amount of money that you will receive from the bank under this program is 2.2 million rubles.
Conditions for the provision of military mortgages in 2016
This year there have been positive changes in the military mortgage: it has become much easier for borrowers to purchase an apartment.
Briefly about the changes:
- you can choose any apartment in any area you are interested in;
- no need to wait for the Ministry of Defense to provide you with an apartment;
- you will receive an apartment, even if you already have your own property;
- since the state vouches for you, the bank's risks decrease, which means that the interest rate also decreases;
- if you have enough personal savings, then you can add them to the down payment and buy a better home;
- you can apply for a mortgage twice. To do this, you need to fully repay the first IDC at the expense of your own savings.
M16 will help!
Obtaining a mortgage is often associated with a lot of bureaucratic delays. To make the process of buying a home easier and simpler, please contact M16-Real Estate.
04.06.19 32 084 10
And how can a serviceman buy an apartment at the expense of the state?
In Russia, there is a state program for subsidizing mortgages for the military.
Svetlana Fateeva
works with experts on preferential programs
While a citizen is serving, the state pays the loan for him. This is the main difference between military and civil mortgages.
But everything is too complicated - you need to understand the requirements for participants and study the subtleties. I work with experts in state programs for the purchase of housing and I know how everything works. I’ll tell you what this program is and how a military man can take part in it.
What is military mortgage
To increase the prestige of military service, the state helps the military to purchase their own homes. It seems to say: "Serve me long and honestly, and I will help you with housing." The military man chooses an apartment himself, and the state issues a mortgage and pays for it while the military man serves. If he fulfills all the conditions of the program, the apartment remains in his ownership. If not, for example, he decides to leave the service early, he will have to return all the budget money and repay the loan on his own. And this is the main disadvantage of this program.
In the Russian armed forces, they serve by conscription or by contract. The preferential program applies only to those who have signed a contract. It does not depend on marital status, children or the availability of other real estate. Even if a person already has an apartment, but he serves under a contract, he is entitled to a military mortgage.
The state does not restrict the military at the place of home purchase: if he serves in Chukotka, and wants to buy an apartment in Moscow, this is possible.
Anyone who participates in a special program of the accumulative mortgage system can buy an apartment under the military mortgage program.
What kind of savings and mortgage system
A targeted housing loan consists of a funded and investment part. For the funded part, the state transfers contributions from the federal budget to the personal account of each participant in the savings and mortgage system. The amount of the annual contribution is indexed for inflation at the beginning of the year. The state transfers the investment part of the savings to the trust management of the state company. It invests them in authorized assets: government securities, shares of Russian issuers, mortgage-backed securities. Contributions are credited to the account on a monthly basis and investment income is credited every quarter.
At first, this money is only accumulating. After three years, they can be used for the down payment on mortgages and loan servicing, but they will still be owned by the state for now. When a soldier has served for at least 20 years or quit after 10 years of service on good grounds, for example, if his unit is disbanded, they will become his property. If he quits earlier, the money will have to be returned.
The state instructed Rosvoenipoteke to execute this program. This is a special unit of the Ministry of Defense that accompanies the program with information and controls it.
How to get into the register of the savings and mortgage system
To get a loan, you need to become a member of the savings and mortgage system and have grounds for inclusion. To do this, you must fulfill three conditions: serve in the armed forces under a contract, be a citizen of the Russian Federation and get into a special register of program participants.
Who can participate in the program. Not everyone can participate, but only categories of military personnel defined by law, for example:
- officers and graduates of military universities and colleges who have signed a contract;
- warrant officers and warrant officers who served under a contract for three years;
- sergeants, foremen, soldiers, sailors who signed the second contract;
- military personnel from the reserve who have entered into a second contract;
- employees of the Russian Guard, SOBR, OMON, private security - they are equated to the military.
What grounds are needed. Even if a soldier belongs to the required category, he will be included in the register of participants only when there are grounds for this. Their list is specified in the law. For example, if he graduated from a military university, entered into a contract and received the first military rank of an officer, or served under a contract as a midshipman for more than three years.
After that, the Department of Housing of the Ministry of Defense of the Russian Federation enters the military in the register. And Rosvoenipoteka issues a notification, where its registration number is indicated, and opens a personal savings account to this number. Using the number on the Rosvoenipoteka website, it is easy to check the amount on a personal account, which has accumulated by this time due to contributions and investments. The account number is entered into the personal file of the military man.
The program began to work only in 2005, and those who have foundations are automatically connected to it. But many military foundations arose before the program even appeared, for example, if a person has been serving for 30 years. Such military personnel can submit a report to the commander of the military unit in order to participate in the program voluntarily.
To submit documents for inclusion in the register, you will need:
- Personal card of the participant of the accumulative mortgage system.
- A copy of the report for the servicemen who submitted the report.
- A copy of the serviceman's passport.
- A copy of the military service contract.
Certificate of entitlement to a targeted housing loan
Three years later, from the moment the military man got into the accumulative mortgage system, he can receive a targeted housing loan. To do this, he submits a report to the commander of the military unit and within three months receives a certificate. With a certificate, he can go to the bank and get a mortgage to buy a home. If he already has a loan for housing, he can repay it with the money accumulated on the account.
The certificate is valid for a limited period of 6 months. If during this time the military man does not have time to buy housing or use the money from the savings account, the certificate will have to be received again.
The amount that has accumulated during this time can be found in the personal account of the participant in the savings and mortgage system.
How does the purchase of a home take place?
To buy a home, a military man can use a targeted housing loan, maternity capital and personal savings. Sometimes even just a loan is enough, for example, if a military man decided to use his savings at the end of his service life and added his savings. If you don't have enough funds, you can take out a loan. Nobody limits the cost of military housing. If he is willing to pay a large monthly sum for an apartment in the center of Moscow, he can buy it.
The bank issues a loan to the military for such a period that he can repay it until the end of his service. Many banks consider 45 years as the age limit for service and issue loans for the period remaining until the military man turns 45 years old. This condition and the bank's interest rate are taken into account when calculating the loan amount.
Bank rates under the military mortgage program for June 2019:
Opening - 9.2%,
Rosselkhozbank - 9.5%,
Dom-rf - 10.3%
For example, a soldier takes out a military mortgage at 9.5% per annum for 20 years. The monthly payment in 2019 is 23,334 rubles. With such payments, the maximum loan amount will be RUR 2,502,000.
How to get a military mortgage
To apply for a loan, you will need a passport of a citizen of the Russian Federation and a certificate of the right to receive a targeted housing loan. This is how it looks in steps:
- The military man chooses a bank and suitable housing. It can be an apartment in a new building, secondary housing, a private house or a townhouse.
- Concludes a preliminary sales contract with the seller or equity participation with the developer.
- Signs a loan agreement with the bank. An account is opened for him in the bank.
- He enters into a targeted housing loan agreement with Rosvoenipoteka, after which money is transferred from the savings account to the bank account. This amount is for the down payment.
- Registers ownership rights with double encumbrances in favor of the state and the bank. Provides the bank with a certificate of ownership and an extract from the USRN. Provides property insurance.
- The bank transfers money to the seller of the apartment: a targeted housing loan and the amount of the mortgage loan.
- The military provides a certificate of ownership and an extract from the USRN to Rosvoenipoteka. Rosvoenipoteka transfers monthly payments automatically to the account of the bank that issued the loan and pays for the service. This is due to the money that continues to flow to the savings account of a participant in the savings and mortgage system. The military mortgage is calculated so that the contributions cover monthly payments and the military does not accumulate debt.
Additional costs for obtaining a mortgage loan are paid by the soldier:
- Property insurance - 0.3–0.5% of the loan amount.
- Estimated from 3000 RUR
- State duty: 2000 R - registration of property rights, 1000 R - registration of the purchase and sale agreement, 300 R - extract from the USRN.
If the military man quit
He is excluded from the savings and mortgage system. If by this time he has already received the right to use his savings, he will not have to return the money to the federal budget. If you took a loan and has not paid it yet, the rest will be paid off at your own expense.
It also matters how the soldier quit. According to the law, he gets the right to use the savings if he quit on good grounds. If he quit without good reason, he must return all the money spent on him.
For good reasons. These include service for more than twenty years or at least ten years, provided that the military:
- has reached the age limit for military service;
- the military medical commission recognized him as partially fit for service;
- dismissed due to organizational and staff activities;
- dismissed for family reasons, for example, if the second spouse is also a military man and is transferred to another place.
Also, the recognition by the military medical commission of the military as unfit for service is considered a good reason.
If a soldier is killed, died, or is recognized as missing, he is excluded from the program. The family can undertake mortgage obligations and continue to repay the loan through accruals to its savings account.
In case of early dismissal on good grounds, the participant's savings account is closed, but the right to receive additional cash savings remains. They can be used to pay off military mortgages or for other needs.
To calculate the amount of additional savings, the monthly base payment of the current year and the number of months and days that remained to serve until the service of 20 years are taken into account. The amount is transferred as a lump sum within three months after the submission of the application. It is used to pay off debt on a targeted housing loan and mortgage or to the details specified by the military.
For example, a soldier leaves for health reasons in November 2018. The duration of his service at the time of dismissal is 10 years 3 months. This means that until the age of 20, he did not serve 9 years and 9 months. The monthly payment in 2018 is 22,372 rubles, that is, the amount of additional savings for the remaining period will be 2,617,524 rubles.
If he leaves on good grounds, but the right to use has not yet arrived, the debt must be repaid within ten years. In this case, no interest is charged. He will repay the debt every month. The payment will be calculated as follows:
Monthly payment = the amount owed on the target housing loan / 120 months
Without good reason. If a military man resigns, but has not yet received the right to use the savings, he becomes a debtor to the state. Now he is obliged to return all the money under the targeted housing loan agreement: the down payment and all monthly transfers to pay off the mortgage.
If a serviceman is dismissed on the grounds from clause 76 of the order of repayment of the TsZHZ, for example, stripped of his military rank or ceased to be a citizen of the Russian Federation, then interest is charged on the debt at the rate of the Central Bank of the Russian Federation on the date of exclusion from the accumulative mortgage system. The debt must be repaid within 10 years from the date of dismissal.
When re-recovering. According to the law, servicemen who quit at the end of their contract after March 18, 2017 and again entered military service do not lose money in the savings account for the previous period of participation in the savings and mortgage system.
If a military man bought a house using a targeted housing loan and a mortgage, quit at the end of the contract, and then entered into a new contract and was reinstated in military service, he ceases to be a debtor. In this case, he must independently repay only the loan payments for the period between contracts.
How to remove the encumbrance
An apartment bought using a targeted housing loan and a mortgage loan is the property of the military, but is pledged by the bank and the state. That is, in order to freely dispose of property, you need to remove two encumbrances.
Encumbrance in favor of the state withdrawn in two cases: if the soldier has the right to use the savings, or if he quit without good reason and returned the debt. After that, within 30 days, Rosvoenipoteka sends to Rosreestr an application for the removal of the encumbrance in favor of the state.
As soon as the application is received by Rosreestr, within 3 working days it removes the encumbrance in favor of the state and confirms this with a document.
Information on the removal of encumbrances can be obtained by sending a request through your personal account on the Rosvoenipoteka website The military, excluded from the register of the accumulative mortgage system before January 1, 2016, and those who have returned the funds of the targeted housing loan and continue to serve, must apply for the removal of encumbrances from the apartment at Rosvoenipoteka.
After that, within 30 working days, Rosvoenipoteka sends an application to Rosreestr to repay the mortgage in favor of the state. And after confirmation from Rosreestr, it sends a notification to the participant of the accumulative mortgage system.
Military mortgage refinancing
A military mortgage can be refinanced - transferred to another bank with a lower interest rate on the loan. The account will continue to accumulate an amount that you can use at your own discretion after the right to use the savings arises.
You can refinance not in any bank, but only in those in which the state allowed.
When refinancing a military mortgage, Rosvoenipoteka closes the obligations on the old loan and cannot pay the new lender in the same month. Therefore, the military man himself pays for the first time to the new bank. Usually this amount is not higher than what the state pays monthly for a military man on a mortgage. Also on the shoulders of the military will fall the cost of property insurance and state duty.
Military mortgage tax deduction
On a military mortgage, you can also get a tax deduction, but on one condition: if the borrower used his own funds to buy a home. It will not be possible to issue a tax deduction for budget money.
A military mortgage was issued for the purchase of an apartment for 3,600,000 rubles. The initial contribution from the savings of a participant in the accumulation and mortgage system - 865 468 R, his own funds - 292 532 R. Another soldier received a bank loan for 2,442,000 rubles. That is, a tax deduction can be issued only from 292,532 rubles. 13% of this amount - RUR 38,029.
If the husband and wife are military personnel
If both spouses are participants in the savings and mortgage system, each of them has the right to conclude a targeted housing loan agreement with Rosvoenipoteka and buy housing in common ownership.
If housing is bought with a mortgage, a loan agreement is drawn up for the spouses, where one of the spouses is listed as the main borrower. In this case, Rosvoenipoteka transfers funds from targeted housing loans to its bank account.
Division of an apartment in case of divorce
Property acquired in marriage is considered jointly acquired and is subject to division upon divorce. An exception is property that was purchased with money that has a special purpose. According to the law, an apartment on a military mortgage is not a jointly acquired property, since the funds of a targeted housing loan were used when buying it. The part of the apartment that was bought with these funds is not subject to division.
If there is one soldier in the family, the former spouses will only split in half the personal investments that were used to buy a home. If there is a marriage contract or documentary evidence of the size of the participation of one of the spouses, personal investments can be divided in other proportions.
But in judicial practice there have been cases when the court divides the apartment in equal shares. Here's how this issue is solved:
- the apartment is divided into equal shares, and the former spouses draw up a separate loan for each share;
- the apartment remains in the ownership of the military, but he pays monetary compensation to his wife for her share;
- the bank puts the apartment up for sale. The former spouses use the proceeds to repay the loan and divide the remainder among themselves.
Remember
- You can get a loan after three years of participation in the accumulative mortgage system.
- The certificate of the participant of the accumulative mortgage system is valid for six months. If during this time you do not buy housing, you will have to issue the certificate again.
- For the purchase of an apartment, you can use a targeted housing loan, a mortgage loan, maternity capital and your own funds.
- If a serviceman resigns before the right to use the savings comes, he is obliged to return the amount to the state under the target housing loan agreement.
- Two encumbrances are imposed on the apartment at once: in favor of the state and the bank.
- Military mortgages can also be refinanced.
Military mortgage terms of provision in 2016
To provide housing for military personnel in 2016, a special mortgage package is provided for young officers, graduates of military logistic institutions, as well as those who have signed a contract for military service after 2005. One of the advantages of this operation is the ability to buy a house in any area, regardless of the forced location.
As of today, the amount of the accumulative contribution for one NIS participant is 245 880 rubles, just like last year.
We can help you quickly and profitably acquire a property military mortgage, purchase conditions are quite simple, but they have a number of their own specific features and nuances.
On the website of our company "Military mortgage in St. Petersburg" you can find the most relevant and respectable proposals on the territory of the Leningrad land. The residential area presented for sale is located both in the central and in the suburban areas of the city. Pricing frames are formed from:
- - Squares of premises;
- - The number of rooms;
- - The presence of finishing and cosmetic repairs;
- - Location of the apartment.
What are the pros?
The main and indisputable advantage of this method of lending is the absence of payments on the part of the owner. Everything is paid in full from the fund of the Russian Ministry of Defense. The limit is RUB 2,200,000. If you wish, you can take a much more expensive housing, but you will have to pay the amount above the indicated one yourself.
Who can use the system?
All those liable for military service who graduated from any military educational school or academy, as well as conscripts who issued a contract after the end of 2005, namely:
- - Persons who came from the reserve, or independently and voluntarily decided to start serving in the army;
- - Warrant officers, as well as warrant officers who officially entered into a contract for at least three years;
- - Employees who received officer shoulder straps only after 2008;
- - Citizens working in the Ministry of Internal Affairs after dismissal.
The main and paramount the condition for the provision of a military mortgage in 2016 year is the uninterrupted functioning in the bodies of the armed forces of the state until the full closure of the loan.
To receive confirmation in the form of a fixed proof of participation in the NIS, you must serve at least 3 years. After that, you should contact the higher management and fill out an application for participation. Military mortgage, terms of granting legislation of the Russian Federation provides for the receipt of funds only after collecting all the relevant certificates below. Only after that you can safely contact the bank.
What should be prepared in advance?
- - Originals and certified copies identifying the applicant;
- - The presence of a marriage certificate and the birth of children;
- - Diploma of education;
- - TIN number;
- - SNILS;
- - Extracts from the work book for the last time;
- - Military ID.
What is a military mortgage is still not clear to many military personnel. It is easy to get confused in this issue - there is some kind of NIS in which the state somehow participates, there is some kind of military mortgage from commercial banks, but it seems that the state also takes part in it. And what they eat with what and how it all specifically works is understandable only to those who have gone through it.
Let's figure it out! And at the same time we will tell you about the conditions for the provision of a military mortgage in 2016, in 2017, how to buy an apartment on a military mortgage in Moscow, and so on.
What is the essence of NIS?
In 2004, the Russian government adopted Federal Law No. 117(law on military mortgages) on the beginning of the accumulative mortgage system to provide housing for military personnel. If a serviceman decides for himself that he is interested in participating in it (and he is interested, because the problem of housing is acute in the army), he subscribes to participation in the NIS, and the state from that time onwards monthly charges a certain amount established by law to the military account money from the federal budget, which is indexed annually.
ATTENTION!
In 2016, the amount of government contributions to the NIS per one soldier was 245 880 rubles per year, in 2015 this amount was the same, and for 2016 it was not indexed. There are economic prerequisites that the indexation of the military mortgage in 2017 will not be done either.
From this point of view, NIS is similar to the NPF and the pension fund of Russia. Deductions do not come from the pocket of the military, but from the budget of the Russian Federation. Perhaps this is the only real social support of a citizen of the country from the state, like a labor pension. But the payment for a pension is seniority, and for participation in the NIS - service under a contract. And the longer you serve, the more public funds you will accumulate in your account.
The NIS program is in effect for the entire service life of a soldier under the contract, up to dismissal, but no more than 20 years.
The NIS program itself was created by the state in order to start somehow solving the problem of providing housing for the military and mortgages for military personnel have nothing to do with it (this is a separate topic). Until 2004, this issue was not resolved in any way. And in 2004, the government came up with a scheme (but everything so as not to give out housing in kind) - you serve under a contract and at the same time express your desire to participate in the accumulative mortgage system, the state charges you a monthly amount of money established by law on your account (every year it is indexed ), you save and save them, and when you have enough money, you have the right to withdraw it and spend it on the purchase of housing.
At the same time, while the money is accumulating on your current account in the NIS system, the management company has the right to turn your funds for investment purposes in order to ease the burden on the state budget.
In general, the topic is sensible. It itself is designed so that you accumulate government subsidies and buy yourself an apartment, without the participation of banks!
On the other hand, the state, knowing that a person needs to live here and now, allowed servicemen to take loans from banks secured by funds from the NIS, and at the same time "agreed" with banks on a reduced interest rate (on average by 2 or more points).
The guarantee that banks will comply with the agreements reached is the specialized accreditation of banks to participate in the "military mortgage".
But whatever one may say, banks have not changed and are not going to change their basic principle - if you want to get a mortgage, provide an initial payment (most often it is 20% of the property value). Where can I get it? The amount is not small!
The state allowed the use of NIS funds to pay the initial fee, but only after 3 years of participation in the program.
Together with the banks, the maximum loan amount was set - the amount of a military mortgage in 2016 and apparently in 2017 is 2,400,000 rubles. Why so little?
In fact, few have served under contract in the army for 20 years, usually much less. During such a time, you will not accumulate much government subsidies!
But in Moscow for 2,400,000 nothing can be bought, and in order to buy, you can add your own funds or family funds.
All these principles of interaction between NIS and banks were honed over time, they were not thought out initially. The military cooperative "Molodostroy", which was organized by former military men who wished to use the crude version of "NIS - mortgage from banks", had a considerable share of influence on this issue.
What was the dampness in general:
- complex legal framework of the law on military mortgages (FZ-117), which did not allow the ordinary military
- initially, the annual subsidies of NIS were penny - 30,000 - 40,000 per year !! By 2010, a private initiative was able to seriously increase them, up to 180,000 a year.
- it was impossible to buy or save anything with such deductions, even for 20 years of participation in NIS
- the state did not interact at all with the borrowed money of banks, the mortgage for the military was in its infancy
- the possibility of accumulating an initial payment in NIS for obtaining a mortgage was not provided, and the possibility of withdrawing it was not provided
Changes in legislation 2016
Every year the government of the Russian Federation makes some adjustments in relation to the NIS and military mortgages, then the permissible maximum amount of a military mortgage will change, then the annual amount of state contributions to the NIS will change. 2016 was no exception in this regard, but this year the changes also affected other parameters. The next legislative amendments to the law on military mortgages entered into force in May 2016.
Changes 2016:
- now servicemen-homeowners have the right to receive additional payments in the NIS (special stages), previously this was prohibited
- a person who extinguishes or extinguishes a military mortgage, including with his own funds, will no longer receive "dopa"
- if you want to get a second military mortgage, you will have to serve under the contract for the entire 20 years
- the circle of warrant officers who have the right to join the NIS has been narrowed - now those who have served under a contract for more than 3 years will not join the NIS
- the rules of payment for the work of counterparties from NIS funds have also changed when obtaining a military mortgage - now these costs will be paid from state funds only if the counterparty has the appropriate accreditation (that is, if it cooperates with Rosvoenipoteka)
- now a family member or relative of a deceased serviceman, a member of the NIS, can replace him in the system, thus, the state wants to bypass numerous one-time payments in case of death of a military unit and stretch them in time (it is not yet clear how this will work in practice, but such legislative there is already a change)
- now family members of a serviceman can also participate with their income in the purchase and maintenance of a military mortgage (it becomes possible to buy more expensive housing), but how it will be divided in case of a possible divorce is not yet clear
Features of the program
Pros:
- there are not so many advantages in the military mortgage itself, well, a reduced interest rate, a high chance of approval and that's it
- but on the other hand, there is a lot of positive in NIS
- government subsidies
- they can be saved up throughout the entire period of service in the army
- the opportunity to spend them on a down payment on a mortgage after 3 years of participation in the program, or you can immediately buy an apartment if sufficient funds have been accumulated
- the possibility of acquiring real estate in any region of Russia, without restrictions, even in the secondary market, even the acquisition of a new building on a military mortgage, the main thing is that there is enough money
- the ability to get a mortgage and rent out the purchased apartment while you continue to serve (after all, you still have to live in a barrack or in a military town)
- there are many options to adapt to the NIS system and there are many military mortgages, depending on the imagination and financial literacy of the military
Minuses:
- in 2004, the state deliberately switched from a natural form of providing the military with housing to a cash-accumulative form, thereby stretching and postponing the fulfillment of its obligations indefinitely
- the state has deliberately created conditions for banks to make money on military personnel (by 2016, more than 280,000 military mortgages were issued)
- the army with you can terminate the contract at any time and dismiss for any reason, thereby you automatically leave the NIS, your state subsidies are terminated, and the mortgage in the bank has already been taken (for 20 years) - you were thrown, from then on you will either have to refuse mortgage, or pull her own money
- since 2015, government subsidies in NIS are no longer indexed by the government, there will hardly be any indexation of military mortgages in 2017 (there is a crisis in the country), and inflation is growing - so trust the state
- the maximum amount of a military mortgage in 2016, 2017 equals 2,400,000 million rubles
- you need to have an initial payment of 20%
Who can participate in NIS
V ФЗ 117, in article number 9, clearly spelled out all the requirements for those military personnel who have the right to take part in the accumulative mortgage system.
Based on the law, the following can participate:
- all persons who have received professional military education and who have concluded their first military contracts even before January 1, 2005, even after
- vaults with a military contract starting from January 1, 2005
- warrant officers and warrant officers who have served under contract for more than 3 years
- all other military personnel under the rank of ensign who have entered into a second contract since January 1, 2005
- citizens who received the first military rank and received professional education in the period from January 1, 2005 to January 1, 2008
- persons who received the first military rank in connection with entering the service under a contract, even for a period of less than 3 years
Reasons why an NIS participant can be excluded from the program:
- dismissal from the army (and because of this, many believe that a military mortgage is a deception of military personnel)
- death, missing
- full fulfillment of NIS obligations to the military
How to become a NIS member
In order to buy an apartment on a military mortgage in Moscow from a bank, you first need to become a member of the accumulative mortgage system from the state. This is the main requirement of banks for this type of mortgage programs.
BY THE WAY!
The entire accumulative mortgage system is "taxed" by a federal state government agency, created specifically for the implementation of the NIS program. It controls all mutual settlements, and starts all the personal accounts of the system participants.
How to get involved:
- draw up a report addressed to the commander, where you express your desire to take part in the NIS
- the commander collects all reports from the military unit and sends them to the Regional Department of Housing (RUZHO), where appropriate data checks are carried out
- next RUZHO sends the data of the serviceman to the registering body of the Ministry of Defense of Russia or to any other Federal executive body, which includes the military in the register of the NIS and assigns him a serial number in the system
- on the basis of this, FGKU Rosvoenipoteka opens a personal savings account for a military man and provides access to a personal account, all these data are sent back to RUZHO in a notification manner
- and from the RUZHO to the military unit to the commander, and are brought to the attention of the military
How to get the
After you become a member of the NIS, you need to wait 3 years by law, and only after this period you get the right to use the accumulated money. Next, you must, within 6 months, decide on the bank where you will take out a loan, and on the choice of an apartment. It is important! You are given only 6 months for this!
How to buy an apartment on a military mortgage for military personnel in Moscow:
- you, either independently solve all the main issues with registration of a mortgage, or contact Molodostroy, there they will help you comprehensively and free of charge
- if you decide to do everything yourself, then you still have to use the paid services of intermediaries from Rosvoenipoteka, otherwise NIS will not compensate for these costs
- choose a bank - most domestic banks provide a "military mortgage" (you should additionally make sure that the bank is accredited by the system)
- choose an apartment (usually banks themselves offer a choice of only those residential complexes that are approved for buying an apartment on a military mortgage)
- you can choose in any region of Russia, no matter where you are currently serving (the main thing is that there is enough loan amount for the purchase)
- go through all the formalities, collect all the necessary documents, sign the contract
- serve calmly and hope that you will not be dismissed from the army ahead of time
Popular offers of banks in 2016
The conditions for the provision of military mortgages from Russian banks in 2016 do not differ much from the conditions of 2015. The spread across the market is, of course, large, but it is not difficult to identify the averaged values.
ATTENTION!
The maximum available amount for a military mortgage in 2016-2017 is 2,400,000 rubles, but many banks can only approve up to 2 million rubles.
Below, see the table "military mortgage - banks 2016, 2017".