Government Russian Federation decides:

1. Approve the attached changes that are being made to the basic conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, approved by Resolution No. 373 of April 20, 2015 “On the basic conditions for the implementation of the assistance program for certain categories borrowers under mortgage housing loans (loans) who find themselves in a difficult financial situation, and an increase authorized capital Joint Stock Company "Housing Mortgage Lending Agency" (Collected Legislation of the Russian Federation, 2015, No. 17, Art. 2567; No. 50, Art. 7179; 2016, No. 50, Art. 7089; 2017, No. 8, Art. 1245).

2. To the Ministry of Construction and Housing and Communal Services of the Russian Federation:

before September 1, 2017, create an interdepartmental commission to make decisions on compensation to creditors (lenders) for mortgage housing loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage securities", for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint-stock company "House Mortgage Lending Agency" for mortgage housing loans (loans), the rights of claim for which were acquired by this company, losses (parts thereof) incurred as a result of the restructuring of housing mortgage loans (loans) in accordance with the terms of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, approve the regulations on the said commission, the composition and procedure for its work;

send to the joint stock company "Housing Mortgage Lending Agency" in the prescribed manner funds in the amount of 2 billion rubles in accordance with the order of the Government of the Russian Federation dated July 25, 2017 N 1579-r as a contribution to the authorized capital of the joint stock company "Housing Mortgage Lending Agency" " for the purpose of compensation for losses (part of them) to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities”, for residential mortgage loans (loans), the rights of claim for which acquired by mortgage agents, and the joint stock company "Housing Mortgage Lending Agency" for residential mortgage loans (loans), the rights of claim for which were acquired by this company, in the event that these mortgage housing loans (loans) are restructured in accordance with the terms of the assistance program for certain categories of borrowers for residential mortgage loans (loans) that find themselves in a difficult financial situation.

3. Federal Agency for Management state property ensure, in accordance with the established procedure, an increase in the authorized capital of the joint stock company "Housing Mortgage Lending Agency" by 2 billion rubles by placing additional shares and carry out actions related to the acquisition of these shares and registration of ownership of the Russian Federation, in accordance with the tripartite agreement between the Ministry of Construction and Housing and Communal Services of the Russian Federation, Federal agency for the management of state property and the joint-stock company "Agency for Housing Mortgage Lending".

4. To recommend to the joint stock company "Housing Mortgage Lending Agency" before increasing the authorized capital in accordance with paragraph three of paragraph 2 and paragraph 3 of this resolution to direct its own funds in the amount of no more than 500 million rubles to reimburse creditors (lenders) for residential mortgage loans ( loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, losses (parts thereof) arising as a result of restructuring under the terms of the program assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and to allow the funds received in accordance with paragraph three of paragraph 2 of this resolution to be used to reimburse the costs of the joint-stock company "Housing Mortgage Lending Agency" incurred during the implementation of the assistance program certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, in accordance with this paragraph.

5. If borrowers’ applications for restructuring of housing mortgage loans (loans) were received before the entry into force of this resolution, but were not satisfied, compensation for losses (part thereof) to creditors (lenders) for housing mortgage loans (loans), mortgage agents carrying out activities in accordance with the Federal Law "On Mortgage Securities", for housing mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint-stock company "House Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which acquired by this company, can be carried out in the event of a repeated application by the borrower, subject to compliance with the basic conditions for the implementation of the program of assistance to certain categories of borrowers for residential mortgage loans (loans) who find themselves in a difficult financial situation, as amended by this resolution.

Chairman of the Government of the Russian Federation

D. Medvedev

Changes that are being made to the basic conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation

The main conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation are stated as follows:

"Approved

resolution

Government of the Russian Federation

(as amended by the resolution

Government of the Russian Federation

Basic conditions for the implementation of the assistance program for certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation

1. The main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation (hereinafter referred to as the program) determine the conditions for the restructuring of housing mortgage loans (loans) for certain categories of borrowers who find themselves in a difficult financial situation, and also the conditions for compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities”, for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and joint stock to the company "Housing Mortgage Lending Agency" for residential mortgage loans (loans), the rights of claim for which were acquired by this company, losses (parts thereof) arising as a result of such restructuring (hereinafter referred to as lender, borrower, compensation, restructuring, respectively).

2. Reimbursement under the program is made one-time for residential mortgage loans (loans) restructured in accordance with this document, in the manner established by the joint-stock company "Housing Mortgage Lending Agency", published on its official website on the Internet.

3. Losses (part thereof) of the creditor for each mortgage housing loan (loan) restructured in accordance with this document are subject to compensation in the amount by which, as a result of restructuring in the cases provided for in subparagraph "c" of paragraph 10 of this document, the amount is reduced monetary obligations borrower under a credit agreement (loan agreement), but no more limit amount compensation, established by paragraph 6 taking into account paragraph 7 of this document.

4. Reimbursement under the program is carried out within Money provided for the implementation of the program.

5. Restructuring is carried out on the basis of the creditor’s decision on the application for restructuring submitted by the borrower to the creditor (hereinafter referred to as the application for restructuring).

Restructuring can be carried out by concluding an agreement between the creditor and the borrower (joint and several debtors) to change the terms of a previously concluded loan agreement(loan agreement), concluding a new loan agreement (loan agreement) for the purpose of full repayment of debt on a restructured mortgage loan (loan), concluding a settlement agreement (hereinafter referred to as the restructuring agreement). The terms of the restructuring agreement must comply with the requirements established by paragraph 10 of this document.

6. The maximum amount of compensation for each restructured mortgage housing loan (loan) is 30 percent of the balance of the loan (loan) calculated as of the date of conclusion of the restructuring agreement, but not more than 1,500 thousand rubles, except for the cases provided for in paragraph 7 of this document.

7. In accordance with the decision of the interdepartmental commission for making decisions on compensation to creditors (lenders) for residential mortgage loans (loans), mortgage agents operating in accordance with the Federal Law “On Mortgage Securities” for residential mortgage loans (loans), the rights of claim for which were acquired by mortgage agents, and the joint stock company "House Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which were acquired by this company, losses (part of them) arising as a result of the restructuring of housing mortgage loans (loans) in in accordance with the terms of the program (hereinafter - interdepartmental commission), the maximum amount of compensation for each restructured mortgage housing loan (loan) based on the corresponding application of the creditor to the interdepartmental commission can be increased, but not more than 2 times, in the manner prescribed by the regulations on the interdepartmental commission.

8. Unless otherwise provided by this document, as of the date of filing the restructuring application, the following conditions must be simultaneously met:

a) the borrower (joint and several debtors) is a citizen of the Russian Federation belonging to one of the following categories:

citizens who have one or more minor children or are guardians (trustees) of one or more minor children;

citizens who are disabled or have disabled children;

citizens who are combat veterans;

citizens who are dependent on persons under the age of 24 who are students, students (cadets), graduate students, adjuncts, residents, assistant trainees, interns and full-time students;

b) change in the financial position of the borrower (joint and several debtors) - monthly average total income family of the borrower (joint and several debtors), calculated for 3 months preceding the date of filing the application for restructuring, after deducting the amount of the planned monthly payment for a credit (loan) calculated on the date preceding 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 . At the same time, the average monthly total income of the family of the borrower (joint and several debtors) in billing period equal to the sum of the average monthly income of the borrower (joint and several debtors) and his family members, which for the purposes of this subclause include the spouse of the borrower (joint and several debtor) and his minor children, including those under his guardianship or trusteeship, as well as persons indicated in paragraph five of subparagraph "a" of this paragraph, and the amount of the planned monthly payment on the loan (loan), calculated on the date preceding the date of filing the application for restructuring, increased by at least 30 percent compared to the amount of the planned monthly payment, calculated on the date concluding a credit agreement (loan agreement);

c) security for the fulfillment of the borrower’s obligations under a credit agreement (loan agreement) is a mortgage of a residential premises located on the territory of the Russian Federation, or a pledge of rights of claim to such residential premises arising from an agreement for participation in shared construction, meeting the requirements Federal Law"On participation in shared construction apartment buildings and other real estate and on making changes to some legislative acts Russian Federation" (hereinafter referred to as the agreement for participation in shared construction);

G) total area residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), 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;

e) residential premises, including residential premises, the right of claim to which arises from an agreement for participation in shared construction, the mortgage of which is security for the fulfillment of the borrower’s obligations under the credit agreement (loan agreement), is (will be) the only housing of the mortgagor. At the same time, in the period starting from the date of entry into force of the Decree of the Government of the Russian Federation of April 20, 2015 N 373 “On the main conditions for the implementation of the program of assistance to certain categories of borrowers for housing mortgage loans (loans) who find themselves in a difficult financial situation, and an increase in the authorized capital of the joint stock company "Agency for Mortgage housing lending"by the date the borrower submits an application for restructuring, it is allowed to have a total share of the mortgagor and his family members in the ownership of no more than 1 other residential premises in the amount of no more than 50 percent. For the purposes of this subclause, family members of the mortgagor include the spouse of the mortgagor and his minor children, including those under his guardianship or trusteeship. Compliance with these conditions is confirmed by the borrower’s application in simple written form. Submission by the borrower of information from the Unified state register no real estate required. Joint-Stock Company The Housing Mortgage Lending Agency checks the information provided by the borrower in accordance with this subparagraph;

f) the credit agreement (loan agreement) was concluded at least 12 months before the date the borrower submitted an application for restructuring, except for cases where the mortgage loan (loan) was provided for the purpose of full repayment of debt on a housing mortgage loan (loan) provided at least than 12 months before the date the borrower submits the restructuring application.

9. In case of non-compliance with no more than two conditions provided for in paragraph 8 of this document, payment of compensation under the program is allowed in accordance with the decision of the interdepartmental commission in the manner prescribed by the regulations on the interdepartmental commission.

10. The restructuring agreement must simultaneously provide for the following conditions:

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

b) establishing the lending rate not higher than 11.5 percent per annum (for credits (loans) denominated in foreign currency) or not higher than the rate in force on the date of concluding the restructuring agreement (for credits (loans) denominated in Russian rubles);

c) reduction of the monetary obligations of the borrower (joint and several debtors) in the amount of not less than the maximum amount of compensation established by paragraph 6 taking into account paragraph 7 of this document, due to a one-time forgiveness of part of the credit (loan) amount and (or) changing the currency of the credit (loan) from a foreign one currencies for Russian rubles at a rate lower 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) denominated in foreign currency);

d) exemption of the borrower (joint and several debtors) from paying the penalty accrued under the terms of the credit agreement (loan agreement), with the exception of the penalty actually paid by the borrower (joint and several debtors) and (or) collected on the basis of a court decision that has entered into legal force.

11. When concluding a restructuring agreement, it is not allowed to reduce the terms of mortgage housing loans (loans) and (or) charge the creditor from the borrower (joint and several debtors) of a commission for actions related to the restructuring.

12. All payments under the program are carried out in Russian rubles at 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) denominated in foreign currency).

Mortgage loans, as one of the few available ways getting your own living space are quite popular banking service. Long-term lending allows you not to postpone the purchase of a house or apartment, but has a certain financial risk. To eliminate problem debts and resolve foreign currency mortgage issues that arose due to sudden fluctuation US dollar, per state level A state aid program for certain categories of citizens was launched, implemented by AHML.

The essence of the program and latest news

The purpose of the bill is to restructure the “problematic” mortgage loan, the maintenance of which becomes an unbearable obligation for an individual. The borrower can make changes to a previously signed agreement or enter into a new one, which results in a reduction in the rate, a change in the loan currency to rubles, and an exemption from paying fines.

The state program in force for 2019 is an extension of the previous Decree of the Government and State Duma of the Russian Federation dated April 20, 2015 No. 373. The updated terms of co-financing are regulated by Law No. 961 of August 11, 2017, which came into force on August 22, 2017. The main changes affected the amount of funds that can be written off at the expense of the state.

Important! If the borrower has previously submitted an application for debt restructuring before the latest provision of legislation came into force, but it was not accepted, the individual has the right to re-submit the papers for consideration.

In 2017, the state aid project provided for compensation in the amount of 20 percent of the actual amount of debt, but not more than 600 thousand rubles. After the latest amendments came into force, the conditions became different:

• A fixed interest rate is established, not exceeding the value on the date of registration of the restructuring papers.
• The amount of actual debt is reduced by 1.5 million, but according to the terms, the debt can be repaid at the expense of the state by a maximum of 30 percent.
• Obligations to pay penalties, penalties or other fines that accrued during the validity of the mortgage agreement are removed. Refunds of amounts already paid are not provided.
• The rate for foreign currency loans is set at up to 11.5% per annum, for ruble loans - less than the rate applied at the time of signing the restructuring documents.

If initially borrowed funds were received in foreign currency, it will be changed to rubles at a rate not exceeding the current one. When signing an agreement on loan restructuring, a banking institution does not have the right to demand payment of additional fees for actions taken and to reduce the payment period.

For today, help in case of emergency financial problems with the repayment of mortgage debt is provided by the Agency for Housing Mortgage Lending JSC. The same organization will compensate for losses incurred by credit institutions when part of the debt is closed.

Important! An approved application for participation in the state assistance program does not give the right to pay insurance payments at the expense of allocated funds (including title and personal insurance).

Conditions of participation in the state program and requirements

The state support program is not available to all citizens, but only to those who find themselves in difficult life situations. All categories are designated in the Resolution dated August 11, 2017. However, by decision of the interdepartmental commission, the conditions can be revised, but within clearly defined limits.

Important! In accordance with paragraph 7 of Resolution No. 961, by decision of the interdepartmental commission, the amount to be reimbursed can be revised and increased at the request of the creditor bank, but not more than twice. Also, this governing body is able to approve an application from an individual if he does not meet one or two points of the requirements.

In order to become a participant in the program, you must simultaneously meet all the conditions and requirements specified in the law. Their general list looks like this:

1. requirements for borrowers;
2. requirements for the mortgaged property;
3. criteria of the loan agreement;
4. conditions of the borrower's financial condition;
5. requirements for your own real estate.

The conditions for obtaining restructuring are specified in paragraph 8 of Resolution No. 961. Moreover, it is established that the borrower must meet all criteria, with the exception of the permitted deviation of 2 points, which will be analyzed by an interdepartmental commission.

Who can apply for government support?

The following categories of the population can take advantage of financial support for mortgages from AHML:

• Parents or legal guardians with children under the age of majority.
• Persons with disabilities and parents of disabled children.
• Citizens who took part in hostilities.
• Persons whose guardianship includes dependents under 24 years of age (students, students, graduate students, interns, interns, etc.) studying full-time.
• At the same time, there are a number of conditions and financial condition client:
• Decrease monthly income by no less than 30%.
• The total average monthly earnings of the borrower and other members of his family for at least 3 months should not exceed the subsistence minimum in double the amount for each person (monthly mortgage payments are taken into account).

Requirements for a mortgage agreement

Not every “problem” loan can be restructured. The state has established special requirements and conditions in this regard:

1. Increase in the monthly payment amount by 30% or more. The first payment and the last one, which was made before submitting the application, are subject to comparison.
2. The lending bank must be a participant in the assistance program.
3. The original mortgage must be at least a year old at the time you apply for assistance. Exceptions are cases when a loan was taken out to repay housing loan received more than 12 months before the date of drawing up the restructuring document.
4. Providing the bank with an application and a complete package of documents.

Paying attention to paragraph 1, we can conclude that for the most part the restructuring program is aimed at foreign currency mortgages. It is under such agreements that it is quite expected that the payment increased by a third or more, since the US dollar, in the period from 2014 to 2019, almost doubled in price. This also follows from the order of restructuring, where, among simultaneous changes loan agreement indicated “currency change to rubles.” However, this condition is not directly stated, that is, if the mortgage is in rubles (including the refinancing of a foreign currency mortgage into rubles), it makes sense to submit an application.

In other cases, as a rule, mortgage agreements imply a fixed or decreasing payment and a single interest rate for the entire payment period, which does not meet the requirements. The contribution amount may be changed due to debt restructuring without adjusting the term, variable rate or other factors.

Important! Overall size credit debt, including delays, and previous participation in the restructuring of the contract do not matter. The client interacts with AHML through an intermediary acting as an agent bank to which the initial application is submitted.

What kind of mortgage can be restructured?

Russian legislation has established certain criteria that property acquired at the expense of credit funds. These include the following:

• This living space must be the only one owned by an individual and all members of his family (it is assumed that the borrower and another person from his family have a total share of less than 50% in other real estate).
• Purchased property in mandatory must be located in one of the localities of the Russian Federation and serve as collateral for the mortgage.
• The program applies to all types of living space, including those purchased under a contract equity participation.
• Criteria for the object itself real estate: studio apartment in apartment building– up to 45 sq. m., if there are two living rooms - up to 65 sq. m., if the room has three or more rooms - up to 85 sq. m. m.
• Price per 1 sq. m. of the collateral object should not exceed average cost similar apartment or house on the primary or secondary residential real estate market is more than 60% (for calculations, data from Rosstat of Russia and information are used regional market). The listed restrictions do not apply to large families (three or more children).

How to restructure debt: procedure

The entire procedure related to changes in conditions is carried out in several stages. The first involves visiting a financial institution in person and drawing up an official application. The borrower must contact the branch of the bank where the original loan agreement was concluded. Using the sample provided by the manager, you need to write a statement about the need for debt restructuring.

You can prepare it first at home. All necessary documentation is attached to it. After this, the borrower, together with the bank employee, discusses the new lending conditions.

Important! Restructuring of an existing mortgage loan is carried out according to a decision made by the creditor bank to which the client submitted an application.

All papers are carefully studied, and it is also checked whether all requirements and restrictions under the assistance program are met. After a certain time, the borrower will be notified by the credit committee of the decision. It should be noted that banks have the authority to independently set the minimum and maximum terms for considering an application and making a final verdict. As a rule, this should take about 30 days, but judging by the reviews, we can talk about more long term, since banking institutions and AHML often require you to provide additional documents. The final third stage involves new agreement, already with different conditions, or an additional agreement to the previous one is drawn up.

When these three stages are completed, the borrower needs to contact the Ministry of Justice with the old mortgage and a ready-made package of papers in order to register changes to the collateral agreement.

What documents are needed for registration?

To consider an application to revise the terms of the contract, mortgagers need to prepare in advance and attach a package of documentation (it can be found on the official AHML website), consisting of the following:

• Identity cards of all participants in the transaction and family members (passports) and copies thereof.
• Documents confirming that the borrower falls into one of the preferential categories of individuals applying for financing (children’s birth certificates, combat veteran’s certificate, VTEK certificate/medical and social examination (copy), etc.).
• Documents confirming the amount of earnings of all participants in the transaction for at least 3 last month(photocopies of the work book, certificate of earnings according to the 2-NDFL model or other official documents). Unemployed citizens also attach their employment certificate, a certificate of the amount and nature of accrued benefits, and information about the status of their account with the Pension Fund.
• An extract obtained from the state register, which confirms the status of the pledge. Applications indicating the existing real estate owned by the borrower and his family or its absence (the application form can be downloaded).
• Mortgage papers and all documents related to the mortgage (purchase and sale agreement and its copy, property appraisal report, mortgage payment schedule, cadastral and technical passport).
• Agreement on shared participation in construction and its copy (if available).

The borrower will also be required to fill out an application form and consent to the processing of personal information. The forms of these papers depend on the specific bank.

In addition to the listed documents, each financial institution or AHML itself may require additional papers to be attached, depending on the situation, which will help make the right decision on the application for loan restructuring.

List of Russian banks participating in the program

Papers for the use of assistance under the state special program are accepted by most of the main banking institutions of Russia: Sberbank, Gazprombank, VTB, Rosselkhozbank, Bank of Moscow, UniCredit Bank, Promsvyazbank, Rosbank, Binbank, Absolut Bank", "Avtogradbank", "AK Bars", "Akibank", "Globex Bank", "Far Eastern" Bank, "Zapsibkombank", "Zenit" Bank, "Izhkomban", "Krayinvestbank", "Kurskprombank", "LOKO- Bank", "Metcombank", "MTS-Bank", "OTP-Bank", "Primsotsbank", "RosEvroBank", "Svyaz-Bank", "Sobinbank", "Center-Invest" bank, etc. Total, according to the AHML website

Assistance from the state is mainly aimed at supporting the most needy citizens of the Russian Federation, for whom the financial burden becomes unbearable. This is indicated by conditions for a decrease in earnings and an increase in the monthly payment - this situation can lead to the fact that the family’s income will be enough only for the loan installment. True, the interdepartmental commission considers applications from all persons who partially do not meet the requirements of the project, which implies not only strict adherence to the provisions of the resolution, but also an analysis of situations in private. At the same time, banks participating in the program also receive compensation.

In 2019, this is not the only form of government support for various categories citizens. You will find an overview of all projects for assistance and financing of housing loans.

Economic crisis in the country has added many problems to citizens. Therefore, the state is developing special assistance programs for the population. Assistance programs mortgage borrowers help people not to lose their previously purchased housing on credit, and also help them purchase real estate at the present time.

What is the federal mortgage assistance program?

The Government of the Russian Federation has approved a program to help borrowers who previously took out a mortgage on their home. Citizens who found themselves in difficult financial situations could claim some privileges.

People who managed to submit documents under this program before March 7 have the right to count on assistance from the state for mortgage holders.

The specificity of the program was that citizens could receive the amount of 600 thousand rubles. The documents had to be submitted to the AHML.

Since 2017, a new resolution has been approved regarding the restructuring of mortgages of citizens in difficult financial situations.

Mortgage restructuring

The Government of the Russian Federation established the operation of the program by Resolution No. 961 of the Russian Federation dated August 11, 2017.

The maximum amount of compensation for each restructured mortgage loan is equal to 30% of the balance, but not more than 1,500 thousand rubles.

By refinancing, the loan rate is reduced and payment in installments is provided.

If you participate in the refinancing program state aid, then it is it that pays the bank more than half of the interest. It turns out that the bank reduces the client’s financial burden and at the same time does not lose its money.

The refinancing program must comply additional condition– a year has passed since the date of conclusion of the loan agreement.

On large families The conditions of the program regarding the footage and cost of housing do not apply.

Only bona fide borrowers who have experienced financial difficulties due to loss of employment or reduction in income can qualify for the restructuring program. In this case, you will have to document the deterioration of your financial situation.

Algorithm of actions during restructuring:

1. Contact AHML with an application for restructuring. List of documents for participation in the program:
   • passport;
   • mortgage agreement;
   • extract from the Unified State Register of Individual Entrepreneurs for real estate;
   • certificate of family earnings for the last 3 months;
   • certificate from the bank about the debt;
   • documentation confirming a valid reason for the restructuring.
     This is a sample list of documentation. It is recommended to check a more accurate list on site.
2. An application for refinancing is reviewed within ten days.
3. If a positive decision is received, the client will pay the mortgage according to the new schedule.

The financial crisis is not yet a reason to panic. You can always find a way out of a difficult situation. Mortgage with state support will always help solve citizens' problems. The main thing is to ask for help in time.

Who is eligible for government assistance in writing off the principal debt on a mortgage?

• Young families under 35 years of age with children.
• Participants in combat operations.
• Disabled people and citizens raising disabled children.
• Large families.
• Persons who are guardians of one or more children.
• and so on.

Only citizens of the Russian Federation can count on mortgage benefits. Also, to obtain a privilege, the apartment must meet certain requirements:

Therefore, in order not to be refused, it is necessary to check whether the person meets the above conditions.

Requirements for borrowers

Basic conditions that the borrower must meet to apply for a subsidy:

• Citizenship of the Russian Federation.
• Income below the subsistence level.
• The loan was taken in Russia.
• A significant decrease in income over the last three months or dismissal from work.

If we consider a foreign currency mortgage, then you can ask for help if the debt has increased with the increase in the exchange rate.

Here are the main requirements for subsidies and restructuring mortgage loans. However, if a person only wants to issue preferential mortgage, he must be solvent, and accordingly have a good salary, which must exceed the subsistence level.

Other types of mortgage subsidies

There are several subsidy programs for citizens of the Russian Federation. They often depend on the region of residence. Therefore, it is recommended to check their availability at your place of residence. The main types of subsidies are:

• Reducing the interest rate on the loan.
• Assistance programs for young families under 35 years of age.
• Replacing a foreign currency loan with a ruble loan.
• Various types of housing programs.
• Participation of maternity capital in repaying the mortgage or down payment.

A person may be denied a subsidy or use of a particular program. However, usually this is due solely to an incorrectly submitted package of documentation or failure to fulfill the terms of the loan agreement.

Subsidizing housing loans for young families

This program applies to young families under 35 years of age. With a certain package of papers, you must go to the Office of the Housing Policy Department under the administration in the city of residence.

Documentation:

• Identity cards for all family members, including children.
• Documents confirming unsatisfactory living conditions.
• A statement is written on the spot.

If the family qualifies for the mortgage assistance program, within ten days it is issued a certificate that can be used as a down payment or repayment of an existing mortgage loan, if one has already been issued.

A family can participate in the subsidy program if:

• The actual squares per person are less than the legal norm.
• One of the family members is under 35 years old.
• Housing conditions have not deteriorated over the past 5 years.

According to the program, you can compensate 30% of the cost of housing, if you have children, then 40%.

The borrower pays the rest of the amount himself.

You can receive assistance from the state under such a program if the family is recognized as in need of housing. At the same time, the income of the social unit must be sufficient to repay the loan.

Mortgage subsidy for the birth of a second child

When a second child is born in a family, she also has the right to apply for the “young family - affordable housing” program and pay off the mortgage with the help of the state. However, if this right has not been used before.

Additionally, at the birth of the second offspring, the community unit receives a certificate for the use of “ Maternal capital" It can be used as an initial fee for a mortgage or to repay a previously taken mortgage. Now, the amount of this assistance from the state is 453,026 rubles.

How to get a mortgage for pensioners

Banks have reconsidered their attitude regarding mortgages to pensioners. Some of them are now issuing housing categories to such citizens. However, you should not count on long-term loan at the age of 60 years. Banks issue mortgages to pensioners for no more than 10 years. Exceptions are citizens who retired early.

Citizens who have retired can count on a mortgage using two documents:

• Pensioner's ID.
• Passport.

However, the bank's decision will have to wait quite a long time. If the borrower's pension allows him to pay the mortgage, his loan will be approved.

A working pensioner has a better chance of getting a mortgage.

Mortgage interest rate reduction

To reduce interest rate For an existing mortgage from the state in Sberbank, there are two ways:

• Personal appeal;
• Online application.

To do this, you need to go to the manager of the credit institution and write an application for a reduction in the interest rate.

The manager must be informed that you wish to reduce the interest rate on the loan based on the reduction key rate Central Bank.

In general, a copy of your passport and application is sufficient to apply. However, sometimes a manager may request:

• Mortgage agreement.
• Documents for the apartment.

Therefore, in order to avoid going to the bank twice, it is better to call the manager and clarify what you need to take with you.

The possibility of reducing the rate is prescribed in mortgage agreement. If the borrower does not find such a clause there, you can still try to reduce the rate. After all, writing an application will not be difficult, and you can send it online in 20 minutes.

Subsidizing mortgage interest rates

State assistance in paying off mortgages is also provided in the form of tax deduction. A person who bought an apartment with a mortgage and has an official place of employment can claim a refund of interest paid to the bank in the amount of 13%.

How to get help, there are main steps:

1. Collect documents:
   • Passport;
   • Mortgage agreement;
   • Receipts confirming payment of the loan and interest;
   • Declaration for the year;
   • A certificate from work confirming that income tax has been paid for the year.
2. Come with documents to the Federal Tax Service and write an application for deduction.
3. Within two to three months, the inspection will pay compensation of 13% of the interest paid to the bank.

The state tries to help its citizens. Therefore, various state programs of financial assistance are developed annually, including regarding mortgages. After all this type A mortgage loan is the only option for many people to purchase real estate.

Currently, the main option for purchasing your own home is mortgage credit lending. In order to reduce the burden on payers of regular contributions, the government has developed a special assistance program.

Latest news on the algorithm of the state program

Since 2017, an updated program has come into force aimed at providing assistance and comprehensive support to mortgage borrowers who find themselves in difficult life situations and who have become unable to service their own loans independently. From reserve fund, owned by the government, about 2 billion rubles were allocated. These funds were to be deposited into the AHML fund in order to implement this strategy.

As part of the restructuring measures, it is implied payment reduction contributed by the borrower to the loan throughout the entire period of assistance. Also banking system promises to “forgive” the main part of the debt and change credit terms in favor of the borrowing party, setting the interest rate at 12%. The time period during which this form of assistance is provided is from six months to a year.

So, if in financial situation the borrower has undergone certain changes and is unable to repay the mortgage; this is a reason to apply for government support. You can get it in a situation where the total average monthly income does not exceed twice the subsistence level for each family member.

An important role is played by the increase in the monthly payment: it needs to be in the amount of 30% compared to the plan.

IN last years The country is experiencing a crisis situation. It led to a significant drop in household incomes. The state decided to provide assistance to certain categories of citizens who took out loans for the purpose of building new or purchasing finished housing. The essence of the strategy is to support the settlement of debts to banking structures. This is done through the Housing Mortgage Lending Agency (in shortened format - AHML).

It was initially planned that this program would end before the end of 2016. Due to the impossibility of simultaneously satisfying all citizens' requests, certain adjustments were made to the document. The date was first set to March 1, 2018, and then to May 31. In August, new changes were signed, within the framework of which specific terms were not specified.

The policy began to function in 2015 within the framework of the Decree of the Government of the Russian Federation No. 373 of April 20, 2015. Help was provided individuals who took out a mortgage and lost the ability to pay annuities. In February 2018, government circles decided to extend this program until May 2019 under Resolution No. 172.

In 2018, the government created a new order No. 961 with the resumption of the assistance and support program on an indefinite basis.

At the very beginning, AHML allocated 4.5 billion rubles. This contributed to solving the debt problem of about 19 thousand borrowers. In July 2018, as part of Medvedev’s decision, another 2 billion rubles were provided. from the reserve fund. In August of the same year, changes were made to Resolution No. 373.

Currently, according to preliminary estimates, over 90 financial organizations are participating in the program.

Who is eligible to receive state support in 2019

They have the right to count on receiving comprehensive assistance from the state the following categories of citizens:

• persons with minor children in their care;
• citizens who purchased residential property on the territory of the Russian Federation;
• borrowers with Russian registration;
• people whose income per family member is less than two living wages established within a specific region;
• persons facing a payment increase of 30%.

Also available several auxiliary conditions:

• the mortgage was issued for the purchase of finished housing or real estate under construction;
• the total area indicator is less than 45 squares for studio apartment and up to 65 sq. for a two bedroom property;
• the price per square is no more than 60% of the average value of 1 square. m. on the territory of a standard apartment.

Only if these conditions are met can the citizen/family receive government support.

What help can be provided

There are several variations and areas of assistance provided to borrowers by the state:

1. Restructuring. Involves a change in structure debt obligation in terms of rate, term, amount, i.e. the amount of debt can be “stretched” over time. In this case, the period will increase and the amount will decrease.
2. Using a different currency. This step is advisable for persons who have taken out a mortgage loan in dollar currency. Due to the increase in its exchange rate, it is currently unprofitable to pay a mortgage loan. Switching to rubles will help correct the situation and solve the problem.
3. Minimizing interest rate. Reducing the interest rate to a preferential level is the best way to conveniently repay credit obligation. You can reduce your payments without damaging your own budget.
4. Providing credit holidays . This is the time period during which the borrower is relieved of having to repay the mortgage loan. Its duration depends on individual circumstances.
5. Ensuring repayment of the principal debt portion. A certain portion of debts can be repaid at the expense of the state. This is called a mortgage subsidy.

The optimal support format is selected based on individual circumstances.

Conditions for participation and requirements for the applicant

Priority is given to people with children, as well as socially vulnerable categories of the population. These include veterans and other beneficiaries who receive subsidies from government authorities. A significant reason for providing benefits is a decrease in the borrower's earnings.

A prerequisite for obtaining assistance is also formed if the housing meets the requirements for space and other operational parameters.

Procedure for obtaining support

To apply for a subsidy, you must contact banking organization who issued the mortgage, as well as ensure the filing of an application for the restructuring procedure. Along with this, it will be necessary to provide documents that can confirm the borrower’s attitude towards a certain social category. Their list includes following papers:

• children's birth certificate;
• ID card belonging to a combat veteran;
• a certificate indicating the presence of a disability group;
• 2-NDFL certificate guaranteeing income level;
• a statement characterizing property status.

AHML is currently participating in the support program 121 credit organizations. Participants also include non-profit structures. A large share is occupied by such companies as Sberbank, Delta-Credit, RAIFFeisenBANK. The program continues until the financial resources allocated for implementation.

Statistical summary

In accordance with basic statistical data, support was provided to borrowers for a total amount of 1.689 billion rubles. 200 applications were accepted positive decisions, and the restructuring is currently expected to be formalized. According to preliminary reports from AHML (and currently DOM.RF), amendments to the Russian budget, so the amount of allocated funds increased even more.

Thus, citizens who entered into an agreement mortgage lending, has the right to count on government subsidies. It can appear in several formats. The choice of a specific method of assistance is made on an individual basis and depends on a number of factors.

More information about the mortgage assistance program can be found below.

Given the current difficult situation economic situation, The Government of the Russian Federation approved assistance to mortgage holders from the state: 600 thousand rubles could be received by borrowers who found themselves in a difficult financial situation. Read more about the conditions for receiving compensation.

In 2017, for certain categories of borrowers, financial assistance in an even larger amount is provided. It is necessary to emphasize that not everyone can get it.

Government support for mortgage borrowers

Approved by the Government of the Russian Federation special program assistance to borrowers who have taken out a housing loan. It lies in the fact that people who paid a mortgage to the bank will be able to receive an amount of up to 600 thousand rubles, as well as a restructuring of the foreign currency mortgage at the exchange rate Central Bank. The duration of the program was set from 2015 to May 31, 2017 inclusive. But life made its own adjustments and already on March 7, the program was closed ahead of schedule due to a budget deficit (all the funds that were initially allocated were spent). By the way, borrowers who managed to apply required package documents before March 7, 2017, they may well count on receiving assistance under this program.

Repayment of 600 thousand on a mortgage in 2017 - who is eligible for the assistance in question?

Naturally, many people now want to receive a very decent amount to pay off their mortgage, but not everyone is entitled to it. So, the following categories of borrowers can count on the right to receive funds from the state in the established amount for mortgage repayment:

• Persons raising one or more children under eighteen years of age (or being their guardians);
• This service can be used by those citizens who are raising a disabled child, regardless of the disability group (by the way, this amendment was made to the previous project to help mortgage borrowers);
• Borrowers who support adult children under 24 years of age who are studying full-time at a university;
• Combat veterans.

That is, in order for the principal debt on a mortgage of up to 600 thousand rubles to be written off at Sberbank or any other financial organization participating in the program, the borrower must prove his right to use this privilege.

Certain nuances that the program has for writing off the principal debt on a mortgage up to 600 thousand rubles

Previously, all citizens belonging to one of the above categories were entitled to financial assistance from the Agency for Housing Mortgage Lending (AHML) for partial repayment of a mortgage loan in the amount of up to 600 thousand rubles, but not more than 20% (previously, in 2016, it was 10%) of the principal balance, then starting from February 23, 2017, some adjustments were made to this paragraph. Below these points will be discussed in more detail.

Restrictions on the amount of funds allocated

The amount of financial assistance to mortgage borrowers has been increased to 1.5 million rubles, but it should not exceed 30% of the balance of the principal debt. This innovation applies only to the following categories of borrowers:

1. Combat veterans.
2. Persons raising two or more minor children (or being their guardians).
3. Disabled people or parents of a disabled child (regardless of the established disability group).

• persons who have one child under eighteen years of age or are his guardians,
• persons supporting full-time students who have not reached 24 years of age,
• can receive financial assistance in the amount of 600 thousand rubles, while the specified amount should not exceed 20% of the balance of the principal debt.

How is financial assistance provided?

Contrary to popular belief, no borrower will receive the specified amount in cash. Material aid from the state to pay off a mortgage loan is to write off part of the principal debt.

How to reduce your mortgage by 600 thousand?

The fundamental points are listed below:

1. First of all, you will need to contact the bank and submit applications for restructuring. Important point- it is not at all necessary that the borrower at the time of application had an overdue loan debt.
2. The time elapsed from the signing of the loan agreement to the filing of the restructuring application has not been significant since 2017.
3. Any mortgage is subject to restructuring, even those that were registered as social.

What are the income requirements for a mortgage borrower who wants to use this service?

Average family income for the 3 months preceding application submission after deduction average monthly payment according to the agreement, during the same period it does not exceed two subsistence minimums for each family member (both borrowers and co-borrowers are taken into account).

When considering a foreign currency mortgage, it should be noted that all requirements set before this regarding maximum income have lost their relevance.

Which apartments are covered by the federal mortgage program (600 thousand assistance)

1. Mortgage housing must be the only one.

3. In addition, there are strict area restrictions:

• apartment - no more than 45 sq.m;
• apartment – ​​65 sq.m;
• apartment or more – 85 sq.m.

An important point is that if a family has three or more minor children, the requirements regarding the price and area of ​​housing are not relevant. However, according to innovations since 2017, in order to receive 600 thousand to repay the mortgage from the state, the family cannot additionally own any other property, including more than half of the share.

Which banks offer subsidies for mortgage repayments of 600 thousand?

It is necessary to understand that when writing off part of the mortgage loan debt to the client, in this case the bank does not incur losses. And by receiving 600 thousand rubles in mortgage compensation from the state, the borrower does not spoil the relationship with the bank. Also, this in no way affects his credit history. Therefore, the vast majority of banks issuing mortgage loans participate in the program under consideration.

But in any case, before you start preparing the documents necessary to receive assistance, you should check with bank employees about the possibility of receiving compensation when working with this financial institution.

The list of documents that must be provided to participate in this program to return 600 thousand on a mortgage from Sberbank or another credit organization may differ in each individual case (depending on the terms of the loan, the size of the mortgage and other factors), so this question should be check directly with employees of the bank whose client is the borrower.