For many Russians, a mortgage is the only way to become the owner of your own home. Often, borrowers have problems making payments. One of the solutions is the program state aid which started in 2015.

Conditions of the VTB mortgage restructuring program

Only individuals. The conditions are as follows:

• age at least 21 years old, but not more than 70 years old;
• Availability permanent registration in the jurisdiction of the branch of the organization;
• a source of permanent income;
• seniority at the last place of work - at least 1 year.

One of possible ways filling out an application for restructuring - online on the official website of VTB. You can go through the authorization procedure in the “Corporate Programs” tab.

Mortgage refinancing at VTB Bank in 2019

Refinancing means taking out a new loan to pay off other debts. You can also take advantage of such a program at VTB.

All incoming applications are considered in without fail, however positive decision is not issued to everyone. Thus, with the amount received, a person repays debts in other banks, but at the same time remains a debtor to VTB.

The main condition for refinancing is to reduce interest rate which will also help reduce your monthly payment. This program requires additional costs for re-evaluation of property, renegotiation of the mortgage agreement, insurance and a number of other payments.

The conditions for refinancing are as follows:

• client age from 21 to 70 years;
• only a person who has a residence permit in the territory of the Russian Federation can use the mortgage application;
• total work experience of at least 1 year;
• work experience at the last place of work for at least 3 months.

Required documents:

• passport;
• documentary evidence of profitability (any document of your choice);
• papers that confirm the ownership of real estate;
• mortgage agreement.

Help for mortgage borrowers in 2019 - a program supported by the state

A program supported by the state or, as it is also called, subsidizing, involves the receipt of gratuitous financial assistance from the state to pay off a mortgage loan.

In 2019, the following subsidy programs will operate:

• housing;
• housing for a Russian family;
• mortgage for a young family;
• mortgage lending for military personnel;
• mortgage under maternity capital.

State program of assistance to borrowers

Let's look at the details of government mortgage programs in more detail.

dwelling

Disabled people, orphans, single-parent families and representatives of the public sector: doctors, teachers, etc. have the right to participate in this program.

The amount of the subsidy is approximately 300 thousand-1 million rubles. As a rule, these Money from “Housing” is quite rarely enough to pay full cost real estate, which is why they are allowed to be used as a down payment.

Mortgage for a young family

The Young Families Mortgage Subsidy is available to people who are under the age of 35.

A prerequisite is the absence of any habitable housing in private ownership.

To receive funds under this program, you need to collect a package required documents and submit it to the youth policy department of the city administration, supporting it with an appropriate application.

The amount of the subsidy provided is selected on an individual basis. It depends on the level of family income, the presence or absence of children in the family.

For state employees and civil servants

Another name for the program is social mortgage". It is intended for people whose income level is below average. The target category includes employees educational institutions and hospitals.

It should be noted that law enforcement officers will not be able to take advantage of such subsidies. Certificates are issued by a departmental body.

“Social Mortgage” can be provided either as a lump sum – 15% of total cost housing, or in the form of repayment of 10% of the value of the property.

The offer is intended for people under 35. However, if it is issued for a period of more than 25 years, the program will not be withdrawn.

For military personnel

This offer can be used by military pensioners, as well as people who are on military service at least 3 years. It is a savings and mortgage system in which each participant has his own account, where a certain amount of money will be transferred monthly.

The interest rate on mortgage lending is fixed at 9.9%. An important condition is also 18 sq m per family member.

VTB accepts mortgage applications under the new state program

Most recently, VTB began accepting mortgage applications under a new state program. Its peculiarity lies in the lowest possible interest rate, which is only 6% per annum.

Families who have a second or third child between January 1, 2018 and December 31, 2022 will be able to become its participants.

Advantages and principle of service

The principle of this mortgage service is the ability to pay part of the cost of the mortgage, as part of it will be paid by the state. Funds are taken from Pension Fund in order to help certain categories of citizens acquire housing. Whereas previously subsidies were provided only large families, now it can be used by a wide range of people, including doctors, teachers and the military.

Accordingly, the main advantage is significant savings. Besides, mortgage rate credit will be low.

Is it possible to restructure with state support?

Turning to financial institution with a mortgage restructuring application, it is not uncommon for people to be rejected. The reasons may be different, for example, poor or untimely treatment.

In this case, it is possible to apply to the state to get more loyal conditions. Conditions:

• the duration of the delay on a mortgage loan is not more than 3 months;
• assistance is provided in the form of a one-time fixed payment or in the form of a 20% repayment of total amount debts;
• reduced interest rate - from 12% per annum.

To take advantage mortgage program with state support, you need to collect a list of necessary documents and send them to AHML VTB. You will be notified of the decision within 10 days.

The difference between refinancing at VTB and restructuring

Many people confuse the concepts of “restructuring” and “refinancing”, but in fact they are completely different in meaning.

Restructuring involves changing the terms of an already existing agreement with the bank in which the loan was taken. Refinancing, in turn, is taking a new amount to pay off an old loan.

has the right to a wide range of people. The advantage lies in the benefit due to state participation.

VTB branches are located in every region of the Russian Federation.

Compulsory insurance

It is important to note that insurance under the above programs is optional. In accordance with the law, you have every right to refuse it by applying to a bank branch.

The only insurance that cannot be waived is collateral insurance.

Registration procedure

Registration procedure mortgage lending With state support is no different from applying for a loan under any other program. It goes like this:

• a potential client of VTB sends an application to the bank in any way convenient for him;
• along with the application, it is necessary to provide a list of required documents (see the article above);
• Next comes the stage of consideration of the application;
• if approved, a contract is concluded with the person.

Reasons for rejection

There can be many reasons for rejection. Of course, VTB reserves the right not to disclose them. However, according to loan officers, the main reasons to give a person a refusal are:

• spoiled;
• insufficient level of income.

Terms of restructuring in VTB

The term "restructuring" implies a change in the terms of the mortgage agreement. These goals can be achieved in the following ways:

Interest rate reduction

Credit institutions are extremely reluctant to reduce interest rates. To receive such a restructuring, the borrower must have an ideal credit history. It is also important to make sure that the concluded mortgage agreement contains a clause on a possible change in the interest rate;

Providing a delay in making payments for a while

You can get a deferred payment only if you manage to convince VTB of your financial difficulties. The average delay is 3 months. For long periods, it is provided mainly only for young and single-parent families.

Converting a mortgage loan into another currency

Just a few years ago in Russian banks the practice of issuing a mortgage loan in foreign currency (mainly dollars and euros) was widely used. However, soon the ruble index depreciated sharply against world currencies, which made mortgages unaffordable for many borrowers, despite the fact that initially the interest rate was much lower, and when converting the currency into the national monthly payment was relatively small.

The depreciation of the ruble led to the fact that the banks had no choice but to make concessions to their clients and offer them to convert their foreign currency loans into rubles. Of course, for the most part, such actions are absolutely not beneficial for financial institutions, as they lead to losses. However, this is the only chance to get at least some money back.

Initially, the recalculation operated at the current rate, but after numerous complaints from borrowers Supreme Court decided that such actions of the bank are illegal due to the fact that when applying for a mortgage loan, the borrower has the right to know about all kinds of risks.

Currently, the transfer of mortgages to national currency occurs in accordance with the interest rate in force at the time of the transaction.

Reducing the amount of the monthly payment by increasing the term of the contract

Of course, in the end, the amount of debt (with interest) will be much larger, and the repayment time will be longer, but for some borrowers this is the only way out of the situation.

It also happens that the bank writes off part of the debt to the debtor, but only in the most extreme cases.

Who gets help

The subsidy can not be provided to every citizen of the Russian Federation; the following categories can apply for them:

• civil servants (except those who work in law enforcement agencies);
• doctors;
• teachers;
• incomplete families;
• large families;
• young families;
• disabled people;
• disabled children;
• orphans and persons belonging to their category (for example, children whose parents are deprived of parental rights).

Online calculation of mortgage refinancing in VTB

The data is calculated according to the formula:

total amount/term + interest rate.

Example: 500,000/12 +18% of 500,000/12 = 35,840 - the amount of the monthly payment.

Loans subject to refinancing

The following types of loans are subject to refinancing:

• mortgage;
• consumer;
• target (goods);
• car loan.

Loan Requirements

The requirements for refinanced loans are as follows:

• the remainder of the validity period is at least 3 months;
• you have no delays for the last six months;
• credit in ruble currency.

Credit holidays

One of the most common areas of the restructuring program are the so-called " credit holidays". This term refers to the period during which the borrower pays only accrued interest.

Choosing the format of assistance from the borrower

It is important to note that if you decide to use restructuring, this does not mean at all that the format of assistance will be the way you want. Bank employees will analyze the situation and choose the most suitable conditions based on the wishes of the client.

% reimbursement from the state

The percentage of compensation from the state can reach 30. Thus, the Russian Federation will take on approximately 600,000 rubles of mortgage payments.

Borrowers who have chosen the option of receiving a sum of money can be transferred to an account or issued in cash.

The procedure for consideration of documents by AHML

The procedure for reviewing the package of documents in AHML takes about 30 days. However, these periods may be extended if additional information is required. At the end of the check, the documents are returned to the client, regardless of whether the bank made a positive or negative decision.

After another crash Russian ruble 2014-2015 mortgage borrowers who took a loan in foreign currency faced the need to pay huge amounts to the bank. And not at all those on which they counted, concluding a loan agreement. Once in financial bondage, they turned to the state for help.

At first, officials of all stripes convinced disgruntled citizens that the sharply increased debt was a consequence of their greed and hindsight. But then the statesmen nevertheless developed an assistance program mortgage borrowers. True, not for all debtors affected by a significant fall in the national currency.

The assistance program has been running since 2015. However, those wishing to solve their financial difficulties at the expense of the state turned out to be so much that allocated for the project budget resources ended, and he himself was curtailed.

But at the end of the summer of 2017, the state decided to extend the program. On August 11, 2017, government decree No. 961 was issued on further measures to support mortgage lenders in a difficult financial situation. Some changes have been made to the existing program. From its content, it became clear that the state was completely oriented towards supporting the unlucky foreign exchange debtors.

The new program has a number of features:

1. Assistance to citizens with unsustainable mortgage debt is provided through its restructuring. This means that the loan is not "forgiven", but the bank renegotiates with the client new treaty loan, with more favorable terms for the borrower. Or draws up an additional agreement to the old one. The main purpose of the drawn up documents is to reduce the financial burden on the debtor, to make the loan agreement enforceable.
2. No more than 30% of the mortgage debt is compensated at the state expense. At the same time, the maximum possible amount that can be allocated for partial repayment of the loan is 1.5 million rubles.
3. The state warns that the assistance is provided one-time, and in further risky transactions with the bank, citizens will have to rely solely on themselves.

When paying off part of the debt through the assistance program, the bank is obliged to restructure the loan on certain conditions:

1. Re-register foreign currency loans in rubles - at the rate in force at the time of the conclusion of the renewed agreement;
2. Set the interest rate for the borrower no more than 11.5% (annual);
3. “Forgive” the client a certain amount of debt - at least 1.5 million rubles (due to partial write-off and / or recalculation at a more favorable exchange rate);
4. Do not charge the debtor for late payments a penalty (with the exception of amounts collected by a court decision and fines paid earlier);
5. Don't cut deadlines credit obligations debtor.

On behalf of the state, assistance to mortgage borrowers is provided by AHML. This is the short name of the “Agency for Housing Mortgage Lending”, through which banks receive funds in the amounts of lost income from the client. That is, by urging creditors to meet the debtors, the state from the treasury covers their costs arising from the mitigation of the terms of the mortgage agreement (within the established limits). 2 billion rubles were transferred to the Agency's account for these purposes.

Pay attention: the maximum possible amount of compensation may be increased, but not more than twice its amount. The decision on this is made by a special interdepartmental commission - at the request of the debtor.

Currently, the AHML official website contains information that mortgage debt restructuring is possible in 2 types:

1. Reducing the interest rate;
2. Recalculation in ruble equivalent at a lower rate.

Who can count on support

The government dictates tough conditions for those who are going to participate in it. The August government decree significantly reduced the list of citizens to whom the state is ready to cover part of the debt. For example, earlier it included employees of defense enterprises, municipal employees, and scientists. They are not on the new list.

In 2019, the assistance program applies only to the following categories of borrowers:

1. Adult citizens with disabilities;
2. Parents raising children with disabilities;
3. Veterans who participated in armed conflicts of recent decades (combat operations);
4. Parents / guardians / guardians of minor children (in any number);
5. Parents who provide financial support for their children, who study full-time in various educational institutions - until the “children” reach the age of 24.

This list is closed, that is, exhaustive. However, strict requirements are imposed not only on debtors, but also on real estate, which is purchased with money borrowed from the bank.

Real estate requirements

The assistance program applies to certain residential properties.

They have to:

1. be located in Russia;
2. Be the only housing of the borrower and his household (it is allowed for them to have a share in another apartment/house/room, but not more than 50%);
3. Do not exceed specified dimensions total area premises:

• 85 m2 - for a 3-room (or more) residential facility;
• 65 m2 - for a 2-room residential facility;
• 45 m2 - if a property with 1 living room is taken in a mortgage.

Interestingly, in the past current program great attention was paid to the cost square meter housing purchased with a mortgage. It should not exceed the average market for the region by more than 60%. And the maximum footage was set not by the number of rooms, but by the number of family members of the pledgor living in mortgage apartment. However, the updated assistance program from AHML does not contain these restrictions.

Requirements for borrowers

In order to participate in the program, borrowers must not only be included in the above list of “preferential” categories, but also meet very important additional criteria:

1. 3 months before submitting an application to the bank for mortgage restructuring, average income each member of the borrower's family, after paying the planned amount on the loan, did not exceed two subsistence levels established in the region of their residence. Thus, the emphasis is on families with low and medium incomes, in which, despite the regularity of income, a mortgage loan has become an unbearable burden.
2. At the time of application for restructuring, regular loan payments must increase by at least 30% - compared to the amounts that were planned to be paid to the bank on the day the loan agreement was concluded. This condition cut off ruble-denominated mortgage lenders, who may also be experiencing difficult financial problems, from the program. However, such a giant leap in monthly installments likely only if the mortgage was taken in foreign currency.

Required documents

It will include:

1. Photocopies of papers proving both the identity of the borrower himself and all his household members: Russian passports, "children's" certificates;
2. Documents that confirm that he belongs to one of the categories of Russians who have the right to repay a mortgage with the help of the state:
   • certificates for children (if it is their presence that gives the right to state support);
   • veteran's certificate prescribed form;
   • certificate of MSEC on the presence of disability - for himself or for his child;
   • paper from an educational institution confirming the fact that a son or daughter is studying full-time, etc.;
3. Documents evidencing the amount of income of the borrower or solidary debtors, as well as the total income of members of his family - for the last 3 months:
   • photocopies of the pages of the work book;
   • certificates taken at work 2-NDFL;
   • certificate of receipt of unemployment benefits (for able-bodied, but unemployed citizens);
   • extract from the Pension Fund of the Russian Federation on the amount of pension for Last year(for pensioners / disabled people or when receiving benefits for a disabled child);
   • an extract on the amount of "custodial" payments, etc.;
4. A valid mortgage agreement concluded with the creditor bank (it must be executed at least a year before applying for debt restructuring);
5. Monthly payment schedule - to repay the target loan;
6. Form No. 9 (provided in passport office at the place of registration);
7. An application of the established form, in which the borrower informs about his own property status and his family members, concerns whether they have other real estate (its form can be downloaded and viewed on the AHML official website).

And even such a long list is likely to be incomplete, since different banks participating in the state mortgage subsidy program set their own list of required documentation. Usually it is posted on the electronic portals of credit organizations.

Pay attention: an extract from the USRN on the ownership of the borrower (s) on the subject of collateral, that is, on real estate purchased on credit, banks no longer require applicants. Previously, they had to be taken, but now AHML itself requests this document in Rosreestr.

Assistance Scheme

So, a borrower experiencing difficulties in repaying a loan needs to contact the lender bank and find out if the lender is participating in this state program.

If the answer is positive, the debtor will have to take a number of actions in order to receive assistance from AHML:

1. You need to find out which department of the bank deals with this issue. Usually this is the department for dealing with debtors (or with overdue debts). By phone or through the website you need to find out his location and contact details.
2. By calling the department or arriving in person, the borrower specifies what documents he will have to collect for submission to the bank.
3. Having collected necessary papers, the citizen sends them to the financial institution along with the application form. It states the reason why the borrower is applying for public assistance.
4. Having received a package of papers from the debtor, financial institution sends them to AHML for verification. It is believed that on average it lasts about a month. However, it is better to tune in to a longer wait, as many citizens complain that they had to wait for an answer for six months.
5. Often AHML requests additional documents which the applicant must provide.
6. If the Agency makes a positive decision, the bank informs the debtor about it and sets a meeting time to draw up a new loan agreement.
7. At the meeting, either a completely new contract with modified conditions is drawn up, or an additional agreement is drawn up to the current document. An adjusted schedule of regular payments is also developed and signed, a paper is issued on changing the content of the mortgage.
8. The previous mortgage is requested from the bank's archive. She has to wait 2-4 weeks.
9. Then all amended, supplemented and newly drawn up documents are submitted for registration. On this, the procedure can be considered completed.

List of banks

About 100 Russian banks are participating in the new program to help mortgage debtors. A complete list of them is available on the AHML website, along with phone numbers where borrowers can clarify the information they are interested in. In it you can see almost all financial institutions popular in our country.

To name just a few of them:

1. Directly AHML;
2. Sberbank;
3. VTB Bank
4. Alfa Bank;
5. Bank opening;
6. VTB 24;
7. Bank UniCredit;
8. Rosbank;
9. Binbank;
10. Raiffeisenbank;
11. Rosselkhozbank;
12. Credit Bank of Moscow;
13. Bank "Saint-Petersburg;
14. Absolut Bank;
15. Far Eastern Bank;
16. OTP Bank and others.

A new program of assistance to mortgage borrowers for 2015-2017 has been approved - mortgage holders will receive up to 600 thousand rubles and restructuring of foreign currency mortgages at the Central Bank rate.

The mortgage assistance program has been extended until May 31, 2017 inclusive. However, since March 7, the program was closed ahead of schedule due to the spending of the allocated funds. Those who managed to apply can count on restructuring.

Prime Minister Dmitry Medvedev approved new program state assistance to mortgage borrowers who experience problems with mortgage payments (ruble or foreign currency). Maximum amount assistance is 1.5 million rubles (previously this amount was 200 thousand rubles, and later 600 thousand rubles).

Decree of the Government of the Russian Federation No. 373 dated April 20, 2015, as amended on February 10, 2017 No. 1231 - link to the document.

The following can count on assistance from the state in repaying a mortgage:

• citizens with one or more minor children;
• citizens who are guardians (custodians) of one or more minor children;
• citizens raising children with disabilities;
• since 2017: citizens who are dependent on adults under the age of 24 who are full-time students;
• combat veterans.

This category of citizens will be provided with financial assistance from the Agency for Housing Mortgage Lending (AHML) for one mortgage loan in the amount of up to 600 thousand rubles, but not more than 20% (previously, in 2016 10%) of the balance of the principal debt. From February 23, 2017: the amount of assistance has been increased to 1.5 million rubles, but not more than 30% of the balance of the principal debt, but only for:

• combat veterans;
• citizens who have two or more minor children;
• citizens who are guardians (custodians) of two or more minor children;
• citizens with one minor child and who are guardians (custodians) of one minor child;
• citizens who are disabled or have disabled children.

• citizens with one minor child;
• citizens who are guardians (custodians) of one minor child;
• citizens with one minor child; for citizens who are dependent on adults under the age of 24 who are full-time students;

the amount of assistance remains the same - 600 thousand rubles, but not more than 20% of the balance of the principal debt.

Money will not be handed out, assistance will consist in converting a foreign currency mortgage at a rate not higher than the rate of the Bank of Russia or writing off part of the principal debt, or reducing the amount of the monthly assistance payment for up to 18 months.

Foreign currency mortgage holders will be able to convert a foreign currency mortgage into a ruble mortgage at the rate of the Bank of Russia without commissions or reduce the monthly payment by up to 50% for up to 18 months. After the restructuring, the interest rate will not exceed 12% per annum.

If the amount of the payment is reduced to 50% for a period of 18 months, the amount of savings on payments cannot exceed 1.5 million rubles and be more than 30% (previously, in 2016 10%, later in 2017 - 20%) of the balance of the principal debt as of the date restructuring requests.

How to get help paying off your mortgage

The borrower needs to apply to the bank (creditor) with applications for restructuring, and it is not necessary to have an overdue loan debt, but at least 12 months must pass from the moment of registration of the mortgage to the submission of the application .

Any mortgage can be restructured, including those issued under other social programs.

Income Requirements

Average monthly family income for 3 months prior to application after deduction average monthly payment on a mortgage for the same period does not exceed two living wages for each family member (borrower and co-borrowers).

However, the average monthly household income for the 3 months prior to application must be at least 30% lower than the average monthly income for same period before the date of conclusion of the mortgage agreement (requirement expired in 2017).

In the case of a foreign currency mortgage, the amount of the monthly payment for the last 3 months prior to the date of submission of the application for restructuring must be at least 30% higher than the amount of the payment on the date of conclusion of the contract. After paying such a payment, the remaining amount of income of the borrower and his family members (husband/wife, minor children) should not be more than two living wages in the region of residence for each (requirement expired in 2017).

Housing Requirements

The property purchased with a mortgage must be the only dwelling and belongs to the category of economy class housing, and its area should not be more than:

• one-room apartment - 45 sq.m;
• two-room apartment - 65 sq.m;
• three-room and more - 85 sq.m.

For families with three or more minor children, the requirements for the cost and area of ​​\u200b\u200bhousing do not apply.

At the same time, a family can have up to 1/2 share in the aggregate in other living quarters other living space (since 2017, a family cannot have more than 1 other housing and the share in it is more than 1/2).

Banks where you can get help paying off your mortgage

Only those borrowers whose bank (or other organization) is a participant in the relevant program can receive assistance from the state in repaying a mortgage. The Mortgage Assistance Program includes:

1. JSC AHML
2. PJSC Sberbank
3. VTB Bank (PJSC)
4. Bank GPB (JSC)
5. VTB 24 (PJSC)
6. PJSC Bank FC Otkritie
7. JSC Rosselkhozbank
8. JSC UniCredit Bank
9. OAO "MOSCOW CREDIT BANK"
10. PJSC Promsvyazbank
11. PJSC ROSBANK
12. JSC Raiffeisenbank
13. PJSC "BINBANK"
14. PJSC "Bank" Saint-Petersburg"
15. JSCB "Absolut Bank" (PJSC)
16. AVENIR LLC
17. JSC Avtogradbank
18. JSC "AZHIK of the Voronezh Region"
19. JSC AHML of the Vologda Region
20. JSC AHML CO
21. JSC AHML for the Tyumen Region
22. JSC AHML of the Tambov Region
23. PJSC "AK BARS" BANK
24. PJSC "AKIBANK"
25. JSCB "Almazergienbank" JSC
26. JSCB "AltaiBusiness-Bank" (OJSC)
27. PJSC "BANK SGB"
28. BASHKOMSNABBANK (PJSC)
29. JSC "BINBANK Murmansk"
30. PJSC "BINBANK Tver"
31. "BOOM-BANK" LLC
32. PJSC BFA Bank
33. PJSC "BystroBank"
34. JSC "VAIZhK"
35. RRDB Bank (JSC)
36. JSC GLOBEXBANK
37. PJSC Far East Bank
38. JSC "DVIC"
39. AB "Devon-Credit" (PJSC)
40. JSC CB DeltaCredit
41. JSC "Bank ZhilFinance"
42. PJSC "Zapsibcombank"
43. PJSC Bank ZENIT
44. JSCB Izhkombank (PJSC)
45. JSCB "Investtorgbank" (PJSC)
46. JSC " mortgage agency Ugra"
47. LLC Kama Commercial Bank
48. JSC "Krayinvestbank"
49. JSC "Credit Europe Bank"
50. Krona-Bank LLC
51. Bank KUB (JSC)
52. CB "Kuban Credit" LLC
53. JSB "Kuznetskbusinessbank" (JSC)
54. PJSC "Kurskprombank"
55. Bank Levoberezhny (PJSC)
56. CB "LOKO-Bank" (JSC)
57. PJSC "METCOMBANK"
58. CB Moskommertsbank (JSC)
59. PJSC MOSOBLBANK
60. PJSC "MTS-Bank"
61. JSC "RELIABLE HOUSE"
62. JSC "NOAIK"
63. PJSC "NOKSSBANK"
64. OJSC "OblaIZHK"
65. JSCIB OBRAZOVANIE (JSC)
66. JSC "OTP Bank"
67. PJSC "Plus Bank"
68. PJSC SKB Primorye "Primsotsbank"
69. JSCB Proinvestbank (PJSC)
70. Regional Fund for the Development of Housing Construction and Mortgage Lending
71. JSCB RosEvroBank (JSC)
72. battery " Russian capital» (PJSC)
73. LLC CB RostFinance
74. PJSC JSCB "Svyaz-Bank"
75. JSC CB Northern Credit
76. JSC "SMP Bank"
77. CJSC "SNGB"
78. Bank "Snezhinsky" JSC
79. JSC "Sobinbank"
80. PJSC Sovcombank
81. JSC "SPb CJD"
82. OJSC AIKB Tatfondbank
83. Timer Bank (PJSC)
84. TKB (CJSC)
85. PJSC "Tomskpromstroybank"
86. JSC "TEMBR-BANK"
87. JSC "UGAIK"
88. PJSC JSCB "Ural FD"
89. PJSC "BANK URALSIB"
90. NO "RHD Foundation"
91. JSCB "FORA-BANK" (JSC)
92. JSCB "Forshtadt" (JSC)
93. OJSC CB "Center-invest"
94. OJSC CHELINDBANK
95. OJSC CHELYABINVESTBANK
96. JSCB CHUVASHKREDITPROMBANK PJSC
97. Moscow Stars B.V.

Mortgage agents:

1. CJSC Mortgage AHML agent 2010-1"
2. ZAO Mortgage Agent AHML 2011-1
3. ZAO Mortgage Agent AHML 2011-2
4. ZAO Mortgage Agent AHML 2012-1
5. ZAO Mortgage Agent AHML 2013-1
6. ZAO Mortgage Agent AHML 2014-1
7. ZAO Mortgage Agent AHML 2014-2
8. ZAO Mortgage Agent AHML 2014-3
9. CJSC Mortgage Agent Absolut 1
10. CJSC Mortgage Agent Absolut 2
11. CJSC Mortgage Agent Absolut 3
12. JSC Mortgage Agent BFKO
13. CJSC East Siberian Mortgage Agent 2012
14. ZAO Mortgage Agent NOMOS
15. ZAO Mortgage Agent Otkritie 1
16. CJSC Mortgage Agent Petrocommerce-1
17. Mortgage Agent TKB-2 LLC
18. CJSC Mortgage Agent HMB-1
19. CJSC Mortgage Agent HMB-2
20. Mortgage Agent Eclipse-1 LLC
21. CJSC MORTGAGE AGENT FORA - 2014

List of documents for participation in the program

According to the Decree of the Government, creditors (including banks) have the right to independently form a list of documents, on the basis of which a decision will be made on the provision of state assistance to borrowers. List of documents for restructuring of AHML is exemplary.

Recall that, at the suggestion of the Ministry of Construction, the state program for mortgage restructuring has been extended until May 31, 2017. Also, a number of changes were made to the program, including an increase in the amount of assistance to mortgage holders.

Sharp deterioration in the country economic situation caused many people to become unable to pay their home loans. To minimize the negative consequences, the Government has developed a program of assistance to mortgage borrowers.

This Medvedev mortgage program is aimed at solving the problem and preventing debt collection by selling mortgaged property.

What can the bank do?

Mortgage loan is issued in accordance with the norms federal law“On Mortgage (Pledge of Real Estate)” (hereinafter referred to as the Law). Despite the fact that the buyer of the apartment receives it as a property from the moment state registration sale and purchase agreement, the property is under encumbrance until the moment when the buyer fully pays for it. In the event of a debt, a banking institution has the right to sue and recover the debt from the borrower by selling the pledged property.

In the past few years, borrowers who have issued a mortgage in foreign currency have found themselves in the most difficult situation. Due to the fact that the ruble has fallen sharply by more than two times, for many borrowers, the amount of monthly payments has become unbearable. The return of money under the state mortgage program is carried out by all categories of borrowers, regardless of the currency in which the loan was issued.

What is the Federal Mortgage Borrower Assistance Program?

In 2015, the state program of assistance to mortgage borrowers was adopted. The result was the signing of the Decree of the Government of the Russian Federation "On the main conditions for the implementation of the assistance program certain categories borrowers on mortgage housing loans (loans) who find themselves in a difficult financial situation, and an increase authorized capital joint-stock company“Agency for Housing Mortgage Lending” No. 373 (hereinafter referred to as the Resolution). It spells out a clear algorithm for reimbursement of mortgages by the state.

In order to help mortgagors, the statutory fund of the Agency for Housing Mortgage Lending was increased by 4.5 billion rubles at the state expense. This made it possible to help more than 22,000 families during the two years of the assistance program for mortgage borrowers in difficult situations.

The deadline for the state mortgage assistance program has been extended several times and ends on May 31, 2017.

Government program mortgage lending has already helped tens of thousands of families. The provision of state assistance in paying off the mortgage ends in May 2017.

Who is provided with state assistance to write off the principal debt on a mortgage?

In 2017, not all categories of mortgage lenders can take advantage of assistance to mortgage borrowers who find themselves in a difficult life situation. To apply for a government subsidy for a mortgage, you need to meet a number of requirements. If at least one requirement is not met, the borrower arranges restructuring in accordance with federal program can not.

At the same time, mortgage repayments provided by the state should not exceed 20% of the amount of the remaining debt, but at the same time it maximum size should not exceed 600,000 rubles. The rest of the amount the mortgagee must pay out of his own pocket.

The state has limited the maximum amount of debt that can be restructured. In addition, in order to issue a refund for a mortgage from the state, the borrower must meet a number of requirements.

Category of the mortgage borrower

Only citizens can take advantage of state assistance to mortgage borrowers in 2017 Russian Federation. They must be in one of the following categories:

• have at least one child under the age of majority. At the same time, it is not necessary to be parents (relative or adoptive), guardianship or guardianship can be issued over the child;
• be disabled;
• be a participant in hostilities;
• maintain a person under the age of twenty-four who is studying in an educational institution on a full-time basis.

Family income

As a rule, all family members pay the mortgage. In order to formalize the restructuring and receive a state subsidy, it is necessary that total income families over the past three months, when recalculated for each family member (including all minor children), did not exceed two living wages approved for a particular subject of the federation at the time of applying for help.

Property location

Assistance to mortgage holders from the state applies only to those borrowers who have taken a mortgage on real estate located on the territory of the Russian Federation.

Cost per square meter of real estate

The price per square meter should not be more than 60% average cost square meter of real estate of the same category in the same region on the date of signing loan agreement.

Real estate area

The ordinance also limits the size of the total area of ​​the immovable advantage. For an apartment consisting of one room, the total area should not be 45 m2, two rooms - 65 m2, three rooms - 85 m2.

The requirement to limit the area and price per square meter of real estate does not apply to borrowers who have three or more children.

Number of residential properties

In 2017, only those mortgage borrowers for whom this property is their only home. It is allowed that the borrower and his family members own part of the residential property, but not more than 50%.

How to get help from the state to pay off mortgage debt?

Most mortgage lenders are interested in the question: how to receive compensation for a mortgage from the state? To do this, the borrower must go to the banking institution that issued the loan to him and write an application where he sets out a request to restructure the remaining amount.

Federal assistance can be provided in one of the following forms:

• if the mortgage was received in foreign currency, it can be recalculated into the national one at the exchange rate on the day of signing the restructuring;
• for a mortgage that was issued in rubles, the rate may be set, which should not exceed the rate in force at the time of signing the restructuring agreement. If the mortgage was issued in dollars or euros, then size limit should not exceed 12%;
• reduction in amount monthly payment 50% for up to 18 months. The disadvantage of this option is that the term of the contract increases and, accordingly, the overpayment of mortgage interest increases;
• transfer of the remaining amount of the mortgage into the national currency at a lower rate than the one that was established central bank at the time of conclusion of the restructuring agreement;
• one-time forgiveness of a certain amount.

Who offers a mortgage loan restructuring service?

Almost all banking organizations offering mortgage loan services have joined the assistance program adopted by the state. A complete list of them can be found on the official website of the Agency for Housing Mortgage Lending.

Borrowers need to note that the program only applies to the loan itself and interest on it. With regard to penalties for late payments, the bank has the right to refuse to write off or reduce them. For this reason, it is better not to delay contacting the bank, using the program as early as possible.

The program does not apply to penalties or fines provided by the bank for late payments.

How to get restructuring for other categories of borrowers?

Since the requirements for mortgage lenders covered by the state program are quite strict, many borrowers simply cannot use it. At the same time, the number of people who find themselves in a difficult situation and do not have the financial ability to pay on a loan is huge.

It should be remembered that it is unprofitable for the bank to immediately start a lawsuit. Litigation can take years, and sometimes (albeit rarely) decisions are not in favor of the financial institution. That is why banking organization it is more profitable to resolve the issue amicably, with the least losses for each of the parties.

For this reason, in the event of a difficult financial situation, it is advisable for the borrower not to delay in writing to the bank with a request for debt restructuring. The client may be offered one of the following restructuring methods:

• extension of the term of the mortgage agreement. This allows you to reduce the amount of monthly payments, but increases the amount of overpayment on interest;
• if the difficult financial situation is temporary, then the bank can offer credit holidays for a certain period, most often for several months. During the holidays, the borrower is required to pay only the interest rate;
• penalty cancellation. Most banks for late payment or making it not in in full provide huge fines. For the client, the financial institution can cancel the penalty;
• recalculation of debt from foreign exchange into the domestic one. Most often, the conversion is made at the rate in force at the time of signing the contract, but sometimes the bank may offer the client a lower exchange rate.

Whatever the cause of the debt mortgage agreement, pull with a statement to the bank should not be. The smaller the amount of debt, the greater the chance that the bank will make a positive decision, allowing the remaining amount to be restructured.

To obtain a restructuring, you need to contact the bank with an application. It is desirable to attach documents proving the complex financial situation family, for example, a certificate of income.

Results

The federal program is aimed at helping the most vulnerable categories of mortgage lenders, for whom a housing loan was the only way to solve housing issue. But even if the borrower does not fall under the program, banks are usually quite willing to meet bona fide customers, allowing the remaining amount to be restructured.

Certain categories of borrowers who experience difficulties with debt servicing and find themselves in a difficult financial situation will be able to count on state assistance represented by the Dom.rf agency (AHML). Let us consider in detail the nuances and conditions under which the Aizhk mortgage assistance program works.

The State Program for Assistance to Mortgage Borrowers with a valid loan experiencing financial difficulties was developed at the level of the federal power structure and is being implemented through restructuring current debt on housing loans.

The key conditions of the program are determined. "ABOUT further implementation assistance programs for mortgage borrowers. Let's analyze them in more detail.

Decree

The main conditions of the Resolution under consideration are:

1. A special interdepartmental commission has been set up to consider applications and make competent decisions on compensation for creditors' losses.
2. You can use state support only once (this requirement is strictly monitored by authorized bodies).
3. The right to make a decision on the advisability of restructuring the mortgage belongs to the creditor bank, which accepts a corresponding application from the client.
4. The restructuring process can be carried out both by changing the terms/parameters of the concluded loan agreement through an additional agreement, and by drawing up a new loan agreement or amicable agreement between the parties.
5. The maximum amount of potential compensation cannot exceed 30% of the outstanding amount owed to credit institution(in monetary terms, no more than 1.5 million rubles will be reimbursed).

By decision of the Government of the Russian Federation, the deadline for the implementation of the assistance program has been extended. An expiration date has not yet been set.

What help can be provided

It is important to understand that needy borrowers are not completely exempted from making monthly loan payments and from paying insurance premiums for property or personal insurance. However, a number of options have been developed to provide effective assistance in housing lending which will help alleviate the situation.

Among the types of such assistance in 2019:

• replacement of the loan currency (relevant for clients who issued a loan before the end of 2014 in foreign currency);
• lowering the current credit rate(it cannot be higher than the value effective on the date of conclusion of the restructuring agreement for ruble loans and higher than 11.5% for foreign currency loans);
• reduction of residual debt to the bank by 30%, but not more than 1.5 million rubles;
• writing off accrued forfeits, penalties and fines that have already been paid by the client by court order.

IMPORTANT! Which option of assistance will be applied will depend on the nuances of the current situation in the life of the borrower. Each application is considered individually.

Program duration

The project of assistance to mortgage borrowers under the adopted Decree of the Government resumed its operation on August 22, 2017. For these purposes, from state budget more than 2 billion rubles were allocated.

The government has not set a specific end date for the program. However, it is not difficult to guess that it will cease to operate when the funds run out.

The project was periodically suspended, then continued its work on the restructuring of problematic mortgages.

Program conditions

Not every loan is subject to restructuring. The borrower himself, the loan and mortgaged property must comply with fairly stringent requirements and restrictions. Let's consider them in more detail.

Who can become a member

Only Russian citizens of certain categories can count on assistance from the state in relation to a valid mortgage loan. These categories include:

1. Disabled persons or persons with disabled children.
2. Families or citizens with one or more minor children (this also includes legal guardians).
3. Parents with children under the age of 24 due to the latter's full-time education in secondary, secondary specialized and higher educational institutions of various profiles.
4. Combat veterans.

financial requirements

A client can apply for the restructuring of a mortgage (loan) with the help of the state, whose average monthly income for the last three months before the application does not exceed double the value for each family member living wage(for each subject of the Russian Federation, this indicator will be different).

That is, the borrower will have to document the level of his solvency, or rather its insufficiency for the normal fulfillment of his obligations to the creditor.

For foreign currency borrowers, the key condition is an increase in the current monthly loan payment by at least 30% at the time of application in comparison with the date of conclusion of the loan agreement.

Real estate requirements

The subject of the mortgage, by analogy with the borrower, must meet certain requirements. Among them:

• restriction on the total area of ​​real estate: for 1-room. apartments - no more than 45 m 2, for 2-room. apartments - no more than 65 m 2 and for 3-room. apartments - no more than 85 m 2;
• the pledged property under the loan agreement is the only housing of the borrower;
• the property is pledged by the bank for at least 1 year.

With regard to the single housing factor, the assistance program allows the ownership of the total share of the borrower, together with his spouse and minor children (if any) per room and not more than 50%.

How to participate in the program

In order to take advantage of the AHML Mortgage Assistance Program, a borrower should apply to an existing lender and mortgagee with a self-filled and signed application requesting loan restructuring. You should contact credit department or to the department for work with overdue debts.

Then the application, together with the set of all papers attached to it, will be sent directly to AHML for consideration and a final decision on the advisability of providing support with the participation of the state. Interdepartmental Commission considers each application on average about 30 calendar days. You can find out about the decision, again, through your bank.

List of documents

The list of required documents includes:

• copies of passports of all participants in the transaction (borrower and members of his family, co-borrower, guarantors, pledgee);
• a document confirming that a person is classified as a privileged category (for example, a certificate of disability, a veteran's certificate, a child's birth certificate, a decision of the guardianship authorities to establish guardianship, a certificate of family composition, etc.);
• a document confirming the level of solvency (income) of the borrower for at least the last 3 months before the date of consideration of the submitted application (a copy of the work book, GPA, certificate 2-NDFL, certificate in the form of a bank, certificate from the Pension Fund of the Russian Federation are attached, Bank statements etc.);
• a copy of the loan agreement with the payment schedule attached to it;
• documents for collateral (DDU, contract of sale, cadastral passport, certificate of ownership, etc.).

NOTE! The above list is indicative and can be increased at the request of the bank or AHML.

List of banks participating in the program

Only credit institutions accredited by the Central Bank of the Russian Federation, which have high performance results and have proven their reliability, take part in the AHML Mortgage Assistance Program.

The list of participating banks includes:

1. Sberbank.
2. Alfa Bank.
3. Gazprombank.
4. Rosselkhozbank.
5. UniCredit Bank.
6. Rosbank.
7. Credit Bank of Moscow.
8. Absolut Bank.
9. Raiffeisenbank.
10. Binbank.
11. RRRR.
12. Globex bank.
13. East Bank.
14. Zapsibkombank.
15. Bank Zenith.
16. Credit Europe Bank.
17. Loko-bank.
18. Bank Levoberezhny.
19. MTS bank.
20. Mosoblbank.
21. Uralsib.
22. Sovcombank.
23. Bank Russia.
24. Promsvyazbank.
25. Kuban-credit.
26. Delta Credit.
27. AK Bars Bank.
28. Bank opening.
29. OTP bank.
30. Bank Russian Capital.
31. RosEvroBank.
32. Communication bank.
33. SMP Bank and others.

The total number of agent banks is 99 units, together with the Federal Agency.

Also among the participants of the AHML project on a regional scale for each subject of the Russian Federation are mortgage agents with the authority to accept applications from Russian mortgage borrowers.

Main issues and problems of program implementation

Like any other state program, the project of assistance to borrowers with valid mortgage loan has its own problems and implementation features. The following points are noted:

1. program in her latest edition is focused mainly on foreign currency borrowers, for whom the credit burden after 2014 has become prohibitive.
2. Practice proves high percent refusal by AHML to borrowers who apply for financial assistance, indicating the grounds for receiving it “the presence of dependent children”.
3. Due to the volume of the required package of documents, their collection may take more than one week, which delays the consideration of the application and the adoption of a decision.
4. The mechanism for providing support to families with four or more children has not been worked out (AHML and banks refer to the possibility of using regional programs this category of citizens in the form of subsidies).
5. Partner banks are not interested in the program and delay the provision of assistance.
6. Periodic breaks in the implementation of the project to support borrowers with mortgages due to the expenditure of funds allocated from the budget.