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 mortgage housing 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 them by the Russian Federation, in accordance with the tripartite agreement between the Ministry of Construction and Housing and Communal Services of the Russian Federation, the Federal Agency for State Property Management and the joint-stock company "Housing Mortgage Lending Agency".

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 clause 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 of them) of the creditor for each mortgage are subject to compensation. home loan(loan) restructured in accordance with this document, 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. According to the decision interdepartmental commission on 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 "Housing Mortgage Lending Agency" for housing mortgage loans (loans), the rights of claim for which were acquired by this company, losses (part thereof) resulting from the restructuring of housing mortgage loans (loans) in accordance with the terms of the program (hereinafter referred to as the 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 financial situation borrower (joint and several debtors) - average monthly 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 on the credit (loan), calculated for 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) double amount living wage 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 of the 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);

d) the total area of ​​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 square meters. 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 the specified conditions is confirmed by the borrower’s application in simple written form. state register no real estate required. Joint Stock Company "Housing Mortgage Lending Agency" verifies 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 submits 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).

Relevance of the article: March 2019

Mortgage lending in our country continues to be one of the most available ways for the purchase of real estate.

Various events occur in life, including unforeseen ones, when the borrower and his family are in distress and cannot regularly pay a mortgage loan, which entails the accrual of a penalty and subsequent loss of housing.

The Agency for Housing Mortgage Lending (AHML) can provide assistance to the borrower..

Dear readers! Our articles talk about typical solutions legal issues, but each case is unique.

If you want to know how to solve exactly your problem - contact the online consultant form on the right or call the numbers below. It's fast and free!

Legislation

Due to the crisis, many borrowers lost their solvency to the bank. In the spring of 2015, a meeting of the Government was held, where the question was decided - what measures the state would take in the current situation. As a result, Resolution No. 373 of April 24, 2005 was issued. and the Housing Mortgage Insurance Agency was created.

AHML is federal agency in the form of an open joint stock company, owning 100% state capital. The agency received 4.5 billion rubles from the state to provide assistance to borrowers; subsequently (11/24/2016) additional changes were made to the program.

Acceptance of applications from those wishing to participate in the program closed on March 7, 2017. This is due to the fact that financial resources funds allocated for assistance have been spent.

By Government Decree No. 961 of August 11, 2017, assistance for those borrowers who, due to circumstances, found themselves in a difficult mortgage situation, was extended.

This is primarily due to the fact that most clients who took out a housing loan were left in a difficult situation and could not cope with payments without government assistance.

In accordance with the new program, borrowers have the right to write off 30% of the remaining debt, but in an amount not exceeding 1,500,000 rubles.

In addition, the state will write off the accrued penalty, but only if the penalty was not paid or collected according to court order.

Goals and objectives of AHML

Citizens who have taken out a mortgage loan can count on:

1. To write off the amount in a single payment;
2. Converting a foreign currency mortgage loan into rubles;
3. Decrease mandatory amount upon payment of the monthly payment;
4. Non-payment mandatory payments for a certain period and transferring them to a later date.

New program: its essence and goals

IN new program to support borrowers as a priority special conditions for a loan taken in foreign currency.

According to Government Decree No. 961 of August 11, 2017, the following categories of borrowers may receive special conditions:

• Disabled people or having disabled children;
• If there is one or more children under 18 years of age in the family;
• Citizens in whose care there are persons under 24 years of age;
• Full-time students;
• Veterans who participated in hostilities.

According to the assistance program, two more conditions must be met:

1. First, the size of the monthly mortgage loan payment has increased by no less than 30 percent compared to the size of the planned monthly payment calculated on the date of conclusion of the loan agreement.
2. The second condition is the following: three months before the proposed restructuring, the income for each family member must be less than two subsistence minimums.

The updated assistance program is intended for borrowers with foreign currency mortgages.

The Government explains the decision to help borrowers who took out mortgages in foreign currency by the fact that the first wave was aimed at ruble mortgages, and the 2017 program was aimed at foreign currency housing loans.

It is planned to create a special commission whose tasks will include consideration of problematic appeals.

Sometimes the borrower does not meet any of the required points, but it is obvious that he needs government support. Such cases will be considered on the basis of an application from the bank that provided the loan.

Requirements for the borrower

Borrowers must meet the following requirements:

1. Citizenship of the Russian Federation;
2. Personal income for everyone must be less than two subsistence minimums, with calculations taking place in three months;
3. Housing must be purchased in Russia.

If you want to know about federal program resettlement - demolition of dilapidated and dilapidated housing, we advise you to read.

Conditions for real estate

An apartment issued with a mortgage loan must meet certain requirements. If at least one of them is not met upon request, a refusal will be received.

The requirements are as follows:

• Housing should be the only one;
• The mortgage agreement must be signed at least 12 months before applying for debt restructuring;
• The cost of one square meter should not exceed 60% of average cost by region of residence.

There are also restrictions on the area of ​​the apartment.

For a one-room apartment the limit is set to 45 square meters, a two-room dwelling cannot exceed 65 square meters, and a three-room dwelling cannot exceed 85 square meters.

If he takes part in mortgage lending, then he is obliged to provide all documentation about himself and his family members.

List of documents for participation

If the borrower decides to seek help from AHML and renegotiate the debt, he needs to come to the bank branch and tell about his intention.

The specialist will direct the client to the branch where overdue debts are dealt with, where the borrower will be told what documents must be provided to participate in the program.

1. A statement where the borrower indicates the reason for non-payment. This could be a job loss or a decrease in family income;
2. Questionnaire for loan restructuring;
3. Passports and birth certificates of all family members;
4. Marriage document;
5. Certificate if the marriage is dissolved. When changing your last name, a corresponding document is also required;
6. Certificate of a military veteran, if the citizen belongs to this category;
7. Documents confirming the status of a disabled person (if available);
8. The dependent presents a birth certificate;
9. Dependents bring a certificate from the university confirming completion of training;
10. Certificate of family composition;
11. Notice from the pension fund that there is no independent income;
12. A copy of the work book (must be certified);
13. For individual entrepreneurs - certificate;
14. Certificate of employment (for law enforcement officers);
15. A document confirming registration with the employment center and a work book, this applies to unemployed persons;
16. Certificate in form 2-NDFL from the borrower, as well as his family members;
17. Certificate from the Federal Social Insurance Fund of the Russian Federation about the assigned benefits and other payments;
18. Document issued pension fund about the status of your personal account. This is a binding document for everyone;
19. Help about joint family income according to the bank form;
20. Pensioners provide a certificate of pension amount;
21. Confirmation of patents and tax returns;
22. Application from the borrower, where he indicates personal property on the territory of the Russian Federation;
23. Loan agreement and payment schedule;
24. Collateral Valuation Agreement;
25. If the mortgage was for housing under construction, then a share participation agreement is provided;
26. Technical and cadastral passport for housing.

We offer you a sample application for state support: Download .

We offer you a sample questionnaire for loan restructuring: Download.

Terms and maximum amount of support

Resolution No. 961 does not indicate the period for the implementation of the program; it will end when the funds allocated to help borrowers completely dry up.

If previously the amount of assistance was 200,000 thousand rubles, then 600,000 rubles, today maximum size support amounts to 1,500,000 rubles.

Advantages and disadvantages

The new program helps bank clients cope with life circumstances and benefit from government assistance.

Increasing the maximum support amount makes it much easier to pay off your mortgage.

Many borrowers who want to take advantage of the support note that the mechanism for implementing the program is complex and has a number of disadvantages:

• An extensive list of documents for consideration of the application;
• Long term for consideration of an application;
• No requirement to disclose the reason for refusal;
• Opacity of application review mechanisms.

Mortgage borrowers who find themselves in a difficult situation have a chance to take advantage of the government assistance program.

To do this, they need to carefully study Government Resolution No. 961 of August 11, 2017 and collect the required package of documents.

If the decision is made in favor of the borrower, then he will be provided with assistance from the state, which will make it easier to repay the mortgage debt.

Mortgage borrowers will be extended and an additional 2 billion rubles will be allocated. We invite you to watch the video and get additional useful information about this question.

Changes have been made to the mortgage loan assistance program. Plus 2 billion rubles were issued.

On the last day of the outgoing work week, news came that was quite important for many mortgage holders who found themselves in a difficult financial situation regarding the restructuring of their mortgage debts. from the Government allow more than a thousand such families to hope for some improvement in their situation. Let's look at what Prime Minister Medvedev promised mortgage holders.

The next mortgage restructuring in August 2017 will help more than 1,300 Russian families

So, the news today– The Russian government will transfer from its reserves 2 billion rubles in favor of the (Home Mortgage Lending Agency), which is the government operator of the mortgage borrower assistance program. This money will be used to restructure the mortgages of those borrowers who find themselves in a difficult financial situation. According to calculations by the Russian Ministry of Construction, this money will be enough for at least 1,300 families.

The same Ministry of Construction will create a special commission that will consider incoming applications for restructuring and will have the authority, for example, to increase the amount of compensation to borrowers in some cases.

What does all of this mean

The government assistance program for mortgage borrowers was launched back in the spring of 2015, against the backdrop of financial crisis, which became especially acute at the end of 2014. Then, after the sharp collapse of the ruble, foreign currency mortgage holders suffered the most, whose monthly payments in ruble terms suddenly approximately doubled. But ruble mortgage holders also had a hard time, who, like everyone else, experienced a drop in living standards, and sometimes a significant loss of income.

The current situation was abnormal, and especially problematic cases urgently needed to be resolved somehow. The massive bankruptcy of mortgage holders was unprofitable for anyone, including banks. In the end, the bank can take away the apartment and throw people out onto the street, but what next? Firstly, it is one thing when such cases are isolated, it is another when thousands of them arise throughout the country, which will cause an unstable social situation and unrest. Secondly, the selected apartments still need to be sold somehow, otherwise they will hang on the banks like a dead weight, and the bank will also be obliged to make various payments for them.

The mortgage restructuring program was eventually launched for the following categories of mortgagers:

• Parents and guardians of minor children.
• Parents and guardians of disabled children.
• People with disabilities.
• Combat veterans.
• Participants of the state program “Young Family”.

It is not enough to belong to any of these categories; you had to prove with documents in hand that the family’s income fell by 30 percent or more after the moment when the loan was taken out to buy an apartment. The housing itself also had to meet certain requirements.

Those who fell under these conditions were entitled to compensation from the state up to 20 per cent the cost of the apartment (but this amount could not be higher 650 thousand rubles).

What happened with the restructuring in 2017

A rather ugly story happened with the mortgage assistance program in the spring of 2017. 4.5 billion rubles were allocated for the program, and in February, due to low interest in it, a fairly large part of this amount remained in the AHML budget; the program was supposed to end by March 1. The state decided to make the conditions even more interesting in order to distribute this money to the end.

The program was eventually extended until May 31, and it was already possible to compensate 30 percent cost of the apartment (but no more 1.5 million rubles). At that moment the unexpected happened.

Mortgage holders, who had been hesitant to take advantage of the restructuring for a long time, rushed to submit applications en masse; as a result, the program was curtailed in early March (remember that it was extended until the beginning of summer), and many mortgage holders found themselves in a very unpleasant situation.

The fact is that people, in order to use the program, had to collect certain documents. And since the state informed everyone that the restructuring was valid until May, not everyone rushed to take advantage of the new conditions of the program on the very first day, and as a result, by the time the money ran out, very a large number of families were left at the stage of processing expensive documents. Many thousands of rubles were wasted.

What should mortgage holders do now?

Obviously, 2 billion rubles is not such a big amount, and the money can fly away as quickly as it did in the spring. Therefore, we advise mortgage holders who are eligible for restructuring not to hesitate, but to start filling out an application. Those who filled out documents in the spring should check the validity periods of all certificates, and if some of the documents are already available and these papers are valid, use their advantage over those who need to collect a package of documents from scratch.

Judging by the experience of March 2017, there is no point in delaying in taking advantage of mortgage restructuring with the help of the state.

The state strives to ensure mortgage lending is accessible to every person. The implementation of this goal is a key element of the activities of the Housing Mortgage Lending Agency.

The official website of AHML is dom.rf. To access the web page, you must click on the following link.

On home page The portal illustrates basic information about the company:

• Main news and announcements of the organization;
• Analytical data;
• Mortgage rates
• Interesting videos related to the right choice housing
• Inflation rate and so on.

At the top of the web page, the applicant can click on links of interest to him, such as mortgage, rent, land, about the company and so on.

Since 2018, the division has changed its name from “AHML” to “DOM.RF”. The main task is to help provide housing to citizens and ensure accessibility and transparency in choice.

For achievement main goal The company performs the following functional responsibilities:

• Development of secondary housing mortgage lending;
• Development of residential rentals;
• Providing land plots, which are state-owned, auctioned for sale;
• Renting out for the purpose of residential construction, taking into account all the requests of the developer;
• Transfer of land to defrauded shareholders or large families;
• Creation of a bank on the basis of which clients can receive all services related to the selection, purchase, registration of residential premises, with subsequent servicing;
• Ensuring reliability. Works only with verified credit organizations and developers;
• Formation of favorable infrastructure by supporting the quality of improvement processes, development of the urban environment and taking into account the social and economic directions of the country.

DOM.RF is developing steadily. In its growth strategy from 2016 to 2020, it set goals such as increasing the volume of mortgage lending to 500 billion rubles, involving up to 14 thousand hectares of state land, and so on.

Must remember! To ensure you don't miss important news regarding mortgages, home construction or residential building laws, you should regularly visit the site to monitor announcements. For convenience, you can save the link in your bookmarks to save time.

Personal Area

Interaction with AHML takes place through VTB Bank or your personal account, which can be accessed via the link.

The borrower’s account allows you to make various transactions without a VTB intermediary, such as:

• Submitting an application for partial or full repayment of debt;
• Control over overdue debts;
• Receiving data on completed payments and repayment history;
• Checking information about the debt balance, monthly payment, and so on.

Important. To always keep abreast of news about overdue debts and debt repayment dates, you should register on the home.rf portal. and get all necessary information directly to the mail. To register, you need confirmation of the service agreement and information about your full name, date of birth, mortgage number and contact phone number.

How to get a mortgage

To obtain a mortgage you must do the following:

1. Filling out an online application, after which a bank employee contacts the borrower to select optimal loan conditions;
2. Collection necessary documents to confirm the application. The review period is up to two days;
3. Choosing appropriate housing. The company manager contacts the borrower to help with the choice;
4. Obtaining a mortgage in one of the partner branches.

The list of partners can be checked in the “Mortgage Products” tab by clicking on “our partners”.

A window will open with a selection of appropriate partners, depending on the location. Partners operate throughout Russia; just select the required city or region from the list.

How to calculate a mortgage?

The site presents online calculator, which allows you to calculate the term and amount of the monthly payment.

To do this you need to select mortgage program, housing costs, maternal capital(optional), down payment and desired mortgage term.

For example, if you choose the “New Building” program, the cost of housing will be 2,000,000 rubles, the down payment will be 400,000 rubles and the loan term will be 15 years, and the interest rate will be monthly payment will:

Types of mortgage products and requirements for borrowers

The AHML service has many advantages, such as:

• Complete all transactions on state level, which minimizes financial risks;
• Savings due to the absence of commissions;
• Providing online service, which allows you to control completed actions, repayment terms, and so on.

Important!

The list of necessary documents for registration of a particular program can be found at the link https://xn--d1aqf.xn--p1ai/mortgage/how/loandocs/

DOM.RF offers the following types of mortgage programs:

1. Ready housing. The interest rate ranges from 9.25% to 9.75% (depending on the down payment).

Requirements:

• Borrower's age is from 21 to 65 years;
• Work on a permanent basis for at least 6 months;
• The loan term is from 3 to 30 years and so on.

1. New building. Interest rate from 9.0% to 9.50%, which depends on total amount loan.
2. On-lending. The interest rate ranges from 9.0% to 9.50%. A facility under construction can be at any stage of construction.

Previous loan requirements:

• No overdue debts;
• Payments have been made for six interest periods;
• No restructuring.

1. Family mortgage. Interest rate from 6%. The product is provided to families whose second or third child was born from 2018 to 2022. The first required payment must be at least 20% of the housing amount.
2. Secured by an apartment. Rate from 9.25%. The minimum loan amount is 500,000 rubles. The requirement for an apartment is that the owners of the property cannot be minors or incapacitated persons.
3. Military mortgage. Interest rate from 9.0%. An initial fee from 20%. The borrower must be over 25 years old. Maximum amount The loan is about 2.5 million rubles.
4. Regional programs. Features a relatively low interest rate(from 6%). Participants in the program are determined by the regional government. These could be young or large families, budget employees, and so on.

Important. List of areas where they take place regional programs can be viewed via the link.

1. Social mortgage. The program was compiled by the government of the Moscow region. The participants are doctors, teachers, young scientists or unique specialists. The program applies to people who work in Moscow and also to those who want to move to the capital. The advantage is that the borrower is provided with ready-made housing for free at the expense of the state; he pays only the accrued interest.

Important. List of required vacancies and all necessary information about social mortgage can be found on the official website.

State program for assistance to borrowers

The organization helps borrowers in purchasing a home who find themselves in difficult financial situations.

Program participants can become:

• Parents of minor children or disabled children;
• Veterans;
• Disabled people;
• Parents whose children are studying full-time and are under 24 years of age.

To receive support, you must do the following:

• Contacting the bank;
• Clarification of opportunities for receiving assistance;
• Collection of necessary documents;
• Receiving a final decision.

Important. Additional information O state program can be obtained from the link.

Attention! All information on this site is presented for informational purposes only. The site does not collect or process personal data. the federal law dated July 27, 2006 N 152-FZ “On Personal Data” is not violated.

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Sharp fall national currency provoked a decline in the standard of living of the Russian population, which led to arrears on mortgage loans. Particularly painful this situation affected foreign currency borrowers. Some of them are even facing bankruptcy. About what threatens bankruptcy with a mortgage and what will happen to mortgaged apartment You can read the article at the link.

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

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

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

Attention. new program conditions

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

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

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

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

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

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

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

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

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

Condition 4 – requirements for room area.

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

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

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

Condition 5 – the only housing.

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

Condition 6 – term for concluding the loan agreement.

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

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

Mortgage Borrower Support Form

Deals with issues of providing assistance in the event of difficulties in repaying mortgage loans Joint-Stock Company"Agency for Housing Mortgage Lending."

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

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

Restructuring can take the following forms

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

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

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

Which banks provide assistance to mortgage borrowers?

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

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

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

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

Prepared by "Personal Prava.ru"

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