What is mortgage restructuring with government help? How is government support for mortgages provided and who can apply for government assistance?

Mortgage restructuring with state help: conditions and amount of state assistance

Deterioration economic situation leads to the inability of borrowers to fulfill contractual obligations to banking organizations for the payment of regular contributions used to pay off the mortgage. Citizens' incomes are falling. A special subsidy for repayment will help restore normal relations with the bank, eliminate arrears, and eliminate debt. mortgage loan. To know how state support for mortgages is provided, who can apply for state assistance and receive a relaxation of contractual terms, you need to familiarize yourself with the requirements for the borrower.

What is mortgage restructuring

Mutually beneficial revision of contractual terms for the issued housing loan, including relaxation of requirements for the borrower, is called mortgage restructuring. This process is carried out by banks independently or with the help of the state.

Many debtors confuse government-backed mortgage refinancing with restructuring.

Banks offer borrowers refinancing on more favorable terms.

• Refinancing – This early repayment old loan and issuance of a new one, under low interest. The application can be submitted to the bank that issued the mortgage, or any other organization providing the service.
• Restructuring can only be done in that bank management company with whom the mortgage contract was concluded.

If it is intended to secure financial assistance state when reconstructing debt, you must contact a special agency created by the government that is responsible for issuing subsidies for mortgage repayments. It's called the Mortgage Agency housing lending(AHML) and is the final arbiter in deciding who is eligible for mortgage restructuring with the help of the state in 2018.

Repayment at the expense of the state

Borrowers are interested in how much money they can claim when renegotiating the contractual relationship under the loan agreement. Mortgage restructuring with state help in 2018 allows you to reduce payments by 20% of the total amount of the mortgage contract, if this amount does not exceed 600 thousand rubles. This amount is the maximum for any mortgage loan agreement; you will not be able to get more, even if you belong to a preferential category of citizens in need of state assistance.

Mortgage restructuring at Sberbank

The country's largest financial and credit company actively cooperates with the state, providing borrowers with the opportunity to take advantage of the restructuring of accumulated mortgage debt. This is not easy to do, since the bank, along with the state, puts forward its demands on individuals applying for a revision of contractual provisions.

The following Russians can take advantage of the benefit:

• having one or several children in their care, caring for disabled children;
• those who took part in hostilities;
• having a VTEK certificate confirming the assignment of a disability group.

• increasing the duration of the loan contract;
• deferment of payments, including the mortgage body;
• conversion of foreign currency into Russian rubles;
• individual conditions, depending on the life circumstances of the applicant.

The client must not have late mortgage payments and have a good history of repaying previous loans. The apartment or house that is the subject of the contractual relationship must be located on the territory of Russia and be the debtor’s only residence. All categories of mortgagers, except large families, requirements are imposed on the footage of the acquired property. The cost of real estate should not exceed by more than 60% the average market price of analogues in a given subject of the federation.

Regulatory framework

Banking structures, interacting with clients to restructure mortgage loan debts with the involvement of AHML, comply with the Decree of the Government of the Russian Federation No. 373 of April 20, 2015, approving the conditions for providing assistance to citizens who find themselves in difficult situations from the state, and increasing authorized capital AHML. Many provisions of this program remained unfulfilled due to lack of funding, and borrowers were denied assistance. state aid.

By mid-2017, AHML managed to increase working capital by 2 billion rubles, and it was decided to extend the program. On August 11, 2017, Decree No. 961 of the Government of the Russian Federation was signed on prolonging the restructuring, providing for state assistance to previously established categories of persons who have entered into a mortgage contract and are in need of subsidies. The duration of the program has been extended until the end of May 2018. Most likely, if AHML exhausts financial resources, then targeted assistance will not be provided.

State financial support for mortgages

with declining income in 2018

State aid providing for restructuring is carried out in several directions. The duration of preferential conditions varies between 6-18 months. Borrowers can use one of the following types of support:

• Reducing the overpayment on a mortgage loan to 12% for the entire remaining term of the contract.
• By recalculating the amount under a contract concluded in the currency of a foreign state into rubles according to the Central Bank exchange rate at the current moment.
• Reducing the size of regular deductions made monthly by a set amount not exceeding maximum size subsidies 600 thousand rubles.
• Credit holidays for up to one and a half years.
• Debt write-off up to 600,000 rubles.

Credit holidays

Borrowers who have unfavorable financial circumstances that prevent them from repaying their debts to the lender on time can take advantage of credit holidays. The option is sometimes included directly in the terms of the mortgage contract and represents a moratorium on the payment of interest on the loan and (or) the body of the mortgage. State support provides for deferred payments for a period of 0.5-1.5 years. If the issue is resolved positively, during this time the debtor does not pay the bank anything or deducts minimal amounts.

The advantage of deferring payments is that it provides the mortgagee with the opportunity to improve his financial situation, find a job with a constant high income, without making the necessary contributions to the bank and without spoiling his credit history. Credit holidays have negative aspects - the debt is not written off, and in the future you will have to pay larger amounts than was provided for in the original mortgage agreement.

Change in mortgage loan currency

Restructuring, which involves changing the currency in which the debt must be repaid, is suitable for borrowers who executed the original agreement in dollars or euros and are suffering from a sharp increase in this currency against Russian rubles. Inability to pay mortgage foreign currency after financial crisis forced the state to make a change in the currency of the agreement one of the conditions for restructuring. The mortgagee is converted into rubles at the rate of the Central Bank of the Russian Federation established at the time of filing the request for restructuring.

Decline interest rate

The state provides measures to help Russians who find themselves in a difficult situation, consisting of softening contractual terms and reducing the overpayment on the loan to 12%, provided that the contract provided for the payment of debt American dollars or euro. If the mortgage was taken out in rubles, then during restructuring the rate is reduced to the overpayment established by the bank for similar products at the time the applicant submitted the application.

The AHML service has the right to independently determine the amount of overpayment, regularly reducing its amount. Revision current rates occurs every 3 months, changing in accordance with the current inflation rate according to Rosstat. 5.9 units are added to it. At the end of 2017, the rate was 6.45%, having been reduced from 9.23% in the third quarter.

Reducing the loan payment amount

For the payer, this method of restructuring the mortgage looks like a significant reduction monthly payment for a specified period of 0.5-1.5 years. The total amount of underpayment on the loan should not exceed the limit established by the state - 600,000 rubles. Bank employees calculate the monthly payment for Grace period, so that it is no more than 50% of the initial contribution amount. This type of restructuring is beneficial to the creditor and debtor. The bank receives government money, the payer benefits preferential terms payments.

Difference from credit holidays This type of restructuring is the write-off of debts to the borrower due to the state's compensation to the bank for potential losses. To count on such assistance, you must be in a really difficult financial situation, providing the banking institution with evidence of insolvency that did not arise through the fault of the debtor. Bank managers and AHML employees consider each situation individually. You can apply for assistance if you meet the strict restructuring requirements.

Payment deferment

Mortgage payers may be offered government assistance consisting in transferring mandatory contributions on long term. The deferment may affect interest and/or the principal of the loan. For a mortgagee, this type of restructuring looks like a significant reduction in monthly payments. The advantage of deferment is the relief of the financial burden that weighs heavily on family budget borrower.

The disadvantage of such a restructuring is that in the end you will have to pay an amount larger than what was provided for in the early mortgage contract due to overpayment of interest, stretching over a longer period of time. It is beneficial for financial institutions to renegotiate mortgage agreements, offering borrowers a deferment without reduction interest payments, but clients should carefully review the agreement attachments before accepting the terms.

One-time debt write-off

The most profitable, convenient and suitable restructuring method for the payer is to write off the resulting debt on a one-time basis. You can apply to write off no more than 20% of the remaining debt. Wherein monetary amount subsidies should not exceed 600,000 rubles. It should be taken into account that the total amount of debt is written off, including the interest overpayment and the loan body. Banks and AHML take this step on an individual basis, carefully considering the circumstances of the debtor’s solvency.

The loan agreement is subject to restructuring, decreasing by the amount of the subsidy issued by the state. You should read the new terms and conditions carefully along with the accompanying reduced payment schedule. State assistance does not relieve the borrower from the obligation to repay the loan, it only reduces amount of contributions, softening General terms mortgage lending.

Who can apply for state assistance

in repaying the mortgage

Not all Russians who have a housing loan can count on restructuring based on state assistance. Citizens who have lost a source of permanent stable income through no fault of their own can receive government support. Help is provided if a citizen has deteriorated financial situation the following reasons:

• Dismissals from the enterprise due to planned staff reductions or liquidation of activities.
• Injury at work with documentation it and medical confirmation sick leave about temporary or permanent incapacity.
• Sudden loss of employment due to a serious illness resulting in disability.
• Taking leave for pregnancy and child care.
• A decrease in earnings due to transfer to a low-paying job.

If a citizen, in the opinion of the banking company, was personally guilty of the fact that his income sharply decreased - for example, he quit on his own initiative - then no mortgage restructuring with the help of the state in 2018 will be carried out for of this borrower will not be. It is necessary to carefully prepare all documents justifying the right to receive preferential support so that questions and claims do not arise from employees of the financial and credit structure.

Except for specified situations of forced financial insolvency, regulations separately stipulate categories of citizens in need of state assistance. These include:

• Mortgage holders with a family with 1 or more children (minors, or young people under 23 years of age, full-time students in higher and secondary specialized educational institutions).
• Citizens with identification of participants in combat operations.
• Individuals who are disabled or caring for disabled minors.

Requirements for borrowers

The debtor claiming partial concessions in payments must provide documented detailed evidence that, during the last quarter, the income received by him decreased by 30% or more compared to the recorded data at the time of conclusion of the original agreement, or increased regular payment bank by 30% or more over the last 3 months. In addition, applications with documentation indicating a decrease in total family income borrower.

State assistance is issued if the calculations reveal that the applicant’s total family income has sharply decreased in the last quarter, and, after mandatory loan payments, each family member has no more than two subsistence minimums (ML). The indicator is set depending on the region of residence of the borrower and the laws adopted there. When calculating, all family members registered with the applicant in the same territory are taken into account.

Requirements for mortgage housing

Strict restrictions when applying for restructuring with state support are also imposed on housing purchased with a mortgage. The petitioner must not own any real estate other than the apartment that is the subject of the agreement. The borrower or members of his family are allowed to have a share in other real estate not exceeding half the cost of the home. All debtors, except those who belong to the category of large families, should be aware that the following restrictions are imposed on the square footage of the main mortgaged object:

• the footage of one-room housing should not exceed 45 sq.m;
• square two-room apartment- no higher than 65 sq.m;
• three-room apartment – ​​no more than 85 sq.m.

The price of the apartment should be within reasonable limits. If the cost of housing is 60% or more higher than its analogues in a given subject of the federation, according to Rosstat, then it will not be possible to receive a state subsidy. The restriction does not apply to debtors with the status of large families. It will be possible to restructure contracts executed after January 1, 2015. The borrower can apply for a revision of contractual provisions if he has regularly made payments to repay the debt for 12 months in a row.

How to pay off your mortgage with government help in 2018

If you cannot make payments in the same amount for mortgage housing and want to take advantage of government assistance, then you need to follow this algorithm:

1. Carefully read the terms of restructuring based on state support, determine whether you meet the described requirements, and use a calculator to calculate the drop in per capita family income.
2. Contact the credit department financial organization who issued the loan, consult additionally about the possibility of revising contractual provisions, clarify the list of documentation that must be provided.
3. Go to the Unified State Register registering rights to real estate (USRE) to order a certificate of mortgaged apartment, statements about the absence of real estate in the household or shared ownership, not exceeding 50% of the price of the home. If the local MFC provides such services, then you can contact the nearest branch of the center to your place of residence. You will have to wait 5-7 business days for certificates and statements.
4. Collect documents indicating a decrease in income, submitting medical certificates, Form 2-NDFL, and other official papers.
5. Fill out a request form for restructuring a mortgage with government assistance at a branch of a credit institution, and hand over the package of documentation against signature.
6. Wait for a positive decision from the bank and AHML on reorganizing the rules for debt repayment. The duration of documentation review is 30 days.
7. After notification of the decision taken go to a branch of a banking institution to sign a new agreement or annex to the old one.
8. Carefully study the new conditions, do not hesitate to clarify unclear points, consider the new payment schedule.
9. To sign documents.
10. Find out when the mortgage documents will arrive, register and save everything with the justice authorities changes made on mortgaged real estate.
11. Take advantage of the subsidy, remembering to pay your remaining debts on time.

Where to apply

It must be remembered that restructuring, unlike refinancing, is carried out in the financial company where the original loan contract was issued. It is advisable to contact the branch where the loan was taken out. If the bank has liquidated a branch, then it is permissible to submit an application to the central office of the credit structure, or to other branches that have the authority to deal with debt restructuring. When counting on government assistance, you need to know whether the banking company cooperates with AHML.

What documents need to be provided

You will have to collect an extensive package of documentation in order to qualify for government assistance in paying off your mortgage loan.

The borrower must provide the lender with the following official documents:

• Passports of the title borrower, co-borrowers, guarantors (if available).
• Housing loan contract with all additional annexes and payment schedule.
• Information about the outstanding payment arrears at the time of filing the application.
• Certificate of ownership of collateral real estate (extract from the Unified State Register).
• Documents confirming lack of ownership real estate mortgage holder, household members (information about shared ownership of real estate not exceeding 50% of the cost of housing).
• Documentation confirming the level drop wages the applicant (copy of the work book with records of layoffs, dismissal for force majeure reasons, medical examinations confirming the citizen’s incapacity, other information).
• A certificate of the available income of the debtor, family members, co-borrowers.
• Other documents at the request of employees of the credit institution, AHML.

Deadlines for reviewing AHML documents

The official duration of consideration of the package of provided documentation is 30 working days from the date of transmission banking structure official papers. In practice, the time frame for decision-making by AHML employees varies between 5-10 working days. If accepted positive decision, then the revision of contractual provisions will be carried out from the moment the application for restructuring is written. There is a possibility that the applicant will be asked to add additional information to clarify the current situation before making a final decision.

What to do if you are denied a subsidy

It is not uncommon for the final decision on loan reorganization to be negative. They may refuse for the following reasons:

• Availability bad stories repayment of previous loans.
• Providing false information about earnings and property.
• Incorrectly completed application, presence of errors in the document.
• Availability of data indicating that the applicant lost earnings through his own fault and not due to force majeure.
• Delays in loan payments.

To reduce the likelihood of refusal, provide correct information certified by official authorities, do not try to deceive the lender or the state. If it turns out that you tried to deliberately mislead the bank, AHML, then it will not be possible to “peacefully” agree on restructuring; there is a possibility that the credit structure will sue. Check the application carefully for factual errors, incl. in the room mobile phone.

If assistance is refused due to reasons other than the provision of incorrect and unreliable information, then you can ask the bank managers how to correct the current situation and what additional documents to provide. Banks are willing to accommodate conscientious payers and are loyal to borrowers who are trying to eliminate the problem of non-payments. Re-gather the required documents and try to submit your application again.

Video: Mortgage restructuring with government help

Not every Russian has sufficient funds to buy a home, so many take out a mortgage.

IN modern conditions crisis to pay bank loans hard. In addition, unexpected financial difficulties may arise in life - job loss, sudden illness, etc. What if you can no longer pay your mortgage on the same terms? How not to lose money and a roof over your head? Read on.

What is mortgage loan restructuring?

Essentially, this is a change in the terms of the loan agreement. The restructuring is aimed at making it easier for the borrower to repay the debt. It can be expressed in a reduction in the interest rate on the loan or an increase in the repayment period. Most often, the restructuring is carried out in the bank that approved the mortgage, but it can also be carried out in another credit institution.

The essence of the procedure is to prevent late payments. Therefore, you need to submit an application to the bank before the debt arises. If you do everything on time, this will allow you not to ruin your credit history and not lose your home, which is the subject of collateral.

Let us note one nuance.
If you signed a mortgage restructuring agreement before May 31, 2017, you can count on financial assistance from the state. This rule is stated in the Decree of the Government of the Russian Federation No. 373 of April 20, 2015.

Timely restructuring will avoid penalties and loss of living space.

Restructuring procedure

First of all, you need to write a corresponding application to the bank and attach a number of documents. The credit institution will review the submitted papers and make a decision.

If the bank has approved your request, the procedure is carried out in one of two ways:

1. a new loan agreement is concluded between the parties;
2. changes are made to the existing contract, which are formalized by an additional agreement.

Usually new agreement is not concluded, but an additional agreement is signed. This is convenient because there is no need to re-evaluate the home.

Mortgage restructuring is formalized by an additional agreement.

If the bank considers you insolvent, it will refuse to restructure your mortgage. In such a situation, you should wait for the credit institution to go to court and forcefully collect the debt. The only way to get rid of financial claims is.

After the restructuring, you will be given a new payment schedule. If you have still managed to obtain compensation from the state, the amount of debt will be reduced by the amount of this compensation.

Conditions and requirements for mortgage housing

Each financial institution sets its own requirements for residential mortgages. Usually these are certain area restrictions ( federal standard-18 sq.m. per person).

If you want to receive compensation from the state, you must adhere to two conditions:

1. total living area - 45 sq.m. For studio apartment, 65 sq.m. for a two-room apartment, 85 sq.m. for a three-room apartment;
2. difference in cost of one square meter Mortgage housing and standard housing in the region is no more than 60%.

Required documents

The securities that the bank will need to carry out restructuring can be divided into three main groups:

1. personal documents of the borrower - a copy of the passport, a certificate of family composition and income;
2. regarding a mortgage loan - a copy of the agreement, client account details, payment schedule;
3. on mortgaged apartment- technical passport of the residential premises, extract from the Unified State Register of Real Estate (since 2017, used instead of a certificate of ownership).

The bank may require other documents, so it is better to check the list with the branch in advance.

Mortgage restructuring methods

The procedure has several variations depending on the needs of the borrower and the requirements of the lender. In your application, you can indicate your preferred method, but the bank has the final say.

Prolongation

In essence, this is an increase in the loan repayment period while simultaneously reducing the size of monthly payments. If there is a temporary decrease in income, this option is beneficial. But you should keep in mind that the total amount of debt will increase, because the longer the mortgage term, the more monthly payments you will need to make. Therefore, we recommend that you first calculate how much such an option will cost.

Loan extension will increase total amount debt.

Some banks give clients the opportunity to combine loans issued at other financial institutions (consumer loans, car loans, etc.) with a mortgage loan. In this case, the client will pay money to one institution, which is very convenient.

Early repayment

Any citizen who has taken out a mortgage loan from a bank has the right to return it ahead of schedule. If the bank does not agree to accept the balance of the debt, you have the right to go to court.

You can get your money back in two ways:

1. pay off the balance of the debt in full;
2. repay only part of the loan.

Many credit organizations apply penalties for mortgages. Therefore you should read carefully loan agreement, otherwise the benefit from refinancing may be minimal.

If there is a penalty for early repayment of your mortgage, this option will not suit you.

Credit holidays

This is a deferment of payments. It allows you to skip several payments, or pay only interest on the loan without repaying the principal. To use this service, you must have a good credit history.

A legal way to avoid paying your mortgage for six months.

State mortgage restructuring program

As mentioned above, if the restructuring agreement with the bank was signed before May 31, 2017, the borrower has the opportunity to count on government assistance in repaying the debt.

Who can receive help from the state?

The following have the right to receive benefits:

• citizens with children under 18 years of age;
• disabled people or parents (guardians) of disabled children;
• combat veterans;
• persons with dependent students under the age of 24 studying in a full-time program.

Get state support possible if:

• the average monthly income after paying the mortgage payment does not exceed two subsistence minimums for each family member;
• The borrower does not own any housing other than the one purchased on credit.

How much can you expect?

As part of the state program for mortgage restructuring, you can receive a certain percentage of the outstanding balance at the time of concluding the additional agreement:

• 20 %

This is possible if the borrower has one child under the age of 18 or has a dependent full-time student under the age of 24. The maximum you can count on is 600 thousand rubles.

• 30 %

It is provided to persons who have two or more dependent minor children, who have become disabled, who are the parent of a disabled child, or who are a combat veteran. Maximum amount compensation - 1.5 million rubles.

Financial assistance to mortgage holders from the state - from 600 thousand rubles. up to 1.5 million rubles

Mortgage restructuring at Sberbank

Sberbank provides several ways to restructure a mortgage loan:

• deferment of payment of principal or interest;
• increasing the loan period;
• change in loan currency.

If you wish to begin the procedure, submit an application to the bank. You can also fill it out on the official website of Sberbank; you do not have to visit the office in person. In addition to the application, you will need:

• passport indicating the place of registration;
• if the registration is temporary, take a document confirming registration at the place of stay;
• income certificate (according to form 2-NDFL or bank form);
• documents for collateral housing;
• information about loan agreement: number and date of conclusion, validity period, loan amount and currency, interest rate and monthly payment amount;
• Bank details.

Mortgage restructuring at VTB-24

VTB-24 Bank offers mortgage debt restructuring as part of its loan refinancing program. The borrower is given the opportunity to reduce the interest rate. It depends on the cost of housing and the remaining loan balance.

It is also possible to pay off your mortgage early without any penalties. VTB-24 offers mortgage loan refinancing without providing income certificates. Rate - 10%, loan size - up to 30 million rubles.

The requirements for the borrower are similar to those put forward by Sberbank. To confirm your income, you can take a certificate:

• according to form 2-NDFL;
• according to the bank form;
• in free form.

If you want to refinance, you can immediately make a calculation and leave a request on the bank’s official website, after which a specialist will contact you.

If you don't know where to start restructuring your mortgage, seek help from a lawyer. He will tell you whether you can qualify for government assistance, and will also prepare everything Required documents for submission to the bank. With the support of a specialist, mortgage restructuring will be quick and painless, and your credit history will remain flawless.

Banks are not willing to change the terms of mortgage lending. In this case, you can resort to mortgage restructuring in 2017 with the help of the state. But to do this, you need to meet certain requirements (including housing) and collect a full package of documents.

Restructuring implies change in mortgage terms within a financial institution. Usually, with the help of the state, this is achieved by increasing the loan term and thus reducing the financial burden by reducing the size of the monthly payment, or by providing the bank with credit holidays (deferment in debt repayment). In more rare cases, an individual can expect a reduction in the base interest rate. Today, Sberbank is reducing the interest rate for its borrowers.

Restructuring should not be confused with refinancing. The essence of the second is to refinance a mortgage from one bank to another. This is usually done due to the lower interest rate. This reduces the monthly payment and reduces the financial burden on individual. But you need to understand that refinancing a mortgage involves additional expenses upon registration: it is necessary to draw up a new insurance contract for the property and the borrower, pay for the work of a real estate appraiser and other expenses. You need to calculate whether this will be more profitable for you. And in this case, you can’t count on government help.

Restructuring from the state is carried out by a specially created in 1997 JSC "Housing Mortgage Lending Agency"(AHML), whose shares are fully owned by the Russian government. Mortgage assistance is provided to borrowers who find themselves in difficult financial situation. By latest news, in 2017, the government extended the activities of state restructuring and changed the conditions for its provision. According to Resolution No. 961 of August 11, 2017, an additional 2 billion rubles were allocated to help borrowers.

What can be achieved by restructuring

The state's mortgage restructuring program does not relieve an individual from paying regular monthly payments or complying with the terms of personal, title or other types of insurance. Assistance to the borrower from AHML consists of one of the following points (or several of them):

There have been cases when banks shifted the payment of restructuring commissions to the borrower or reduced the mortgage term for him. Last changes legislative documents suppress this practice.

Who can count on government help

Not everyone can count on government assistance in restructuring, but only financially vulnerable sections of society. Mandatory requirement to borrowers and co-borrowers is citizenship Russian Federation. The remaining terms and conditions can be found below.

The following may apply for changes in mortgage terms:

State assistance is provided by mortgage agreement, the term of which is more than 12 months at the time of application to AHML. The exception is refinancing agreements. The conditions for providing assistance in reducing their financial burden do not include any limitations on the statute of limitations.

Requirements to financial condition citizens:

• Borrower's total family income for the previous 3 months before submitting an application for assistance in restructuring, after deducting the monthly payment, does not exceed twice the minimum subsistence level for each family member. The cost of living is taken in the subject of the state where the mortgaged housing is located. But only family members - joint borrowers - are taken into account.
• You can count on government assistance if, at the time of submitting an application to AHML, the amount obligatory payment on mortgage increased by at least 30% compared to the calculated schedule when concluding a mortgage agreement.

There are also requirements for housing. total area apartments should not exceed 45 m² with one living room, 65 m² with two rooms and no more than 85 m² with three living rooms. Also this apartment should be the only one from a citizen. But the state allows the presence of one more aggregate housing property, where the part of the property of the mortgage recipient does not exceed 50%.

What documents are required and where to apply

To receive assistance, you must contact the bank where the mortgage was issued. An application for restructuring is written and all necessary documents are submitted. The lender is reviewing the application and will report its results. In special cases, the state may create a special commission to consider the issue.

Documents required for state mortgage restructuring:

IN new edition assistance program for restructuring, there is no longer a need to provide an extract from the Unified state register real estate (USRN).AHML independently deals with this issue.

If you have the right to take advantage of government assistance in reducing the financial burden of your mortgage, then be sure to take advantage of it. Restructuring will not only solve your money problems, but will also improve morale, undoubtedly undermined by the problems of paying off debt.

Since 1997 in Russia, public policy on the issue of providing affordable housing for the population carries out Housing Mortgage Lending Agency (AHML).

The main purpose of the company is to provide government assistance low-income families, including assistance in registration mortgage loans and full legal support.

When you go to the official AHML portal, you can register the borrower’s personal account. Using a convenient online service, you can carry out a wide range of banking operations from anywhere.

The need to use the personal account of AHML (Dom.rf)

Using personal AHML office on the official portal Dom.rf, users have round-the-clock access to a specially designed service for the implementation following goals:

• control for current state debt;
• generation of numerous types of applications, including for early repayment of a loan - in part or in full;
• obtaining comprehensive information regarding the current interest rate, the balance of the loan principal, the amount of mandatory monthly fee etc.;
• amending current contact information;
• generating a request for the purpose of issuing various certificates, for example, tax authority, Pension Fund and other government departments;
• familiarization with the schedule of regular contributions;
• control of data regarding the transfer of insurance premiums directly via;
• control of the movement of funds;
• receiving advice on the possibility of lending online;
• receiving timely notifications regarding changes in the agency’s activities and other important data.

Access is granted to the functions listed above personal account to all clients of the Agency without exception. You just need to register an account.

Who can use

According to the established domestic policy Agencies, access to their personal account can be provided to all clients without exception.

However, in in this case It's worth knowing about the features. AHML clients who decide to register an account must sign a loan agreement between May 2014 and the present. If this has been done previously, registration is impossible.

Registration and login procedure

The registration procedure does not entail any difficulties. To do this, it is enough to follow clear sequence of actions.

In particular, switching to home page official website, the user must click on the “Register” button. After this it is necessary to mandatory familiarize yourself with the offer offered by the service and put the appropriate mark in the specially designated field.

The further sequence of actions is as follows:

1. A registration form opens on the monitor screen, which is required to be filled out. You must indicate: full initials, date of birth, current mobile phone number, details of the collateral agreement.
2. After this, you need to click on the “Submit” button.
3. Based on the generated request, a message is sent to the phone number specified during registration, which displays the login for authorization - it must be used every time you try to log into your personal account.

Please note that the 13-digit mortgage number is used as the password for initial access.

If desired, each user reserves the full right to subscribe to receive notifications in the form of SMS messages or to the specified email address.

For this reason, it is worth paying attention to the following tips:

1. After completing the mandatory registration procedure and initial authorization in your personal account, it is strongly recommended to adjust the access key (password) for login. The best option would be to use one that includes the symbols and numbers indicated on different keyboard layouts. Many agree that the initial password is not reliable, and that it is almost impossible to crack a personally created one.
2. During the development of a new access key, it is strongly recommended not to use personal data that may be known to third parties (among them are: memorable dates, full initials, both of the user and his close people).
3. If, for various reasons, you lose access to the mobile phone number specified during registration, it is strongly recommended to block it as soon as possible.
4. If it is lost, or the user simply forgot the password code for authorizing his personal account, there is no need to postpone the recovery procedure until later - it is better to do it now in order to minimize the risks of third parties gaining access to personal data.

It is necessary to pay attention to the fact that there is one official portal of the Agency, which is why, when there is a desire to register or authorize your personal account, it is strongly recommended to check the accuracy specified details in the appropriate fields.

Step-by-step instructions for using the cabinet

• personal login - number of the signed agreement;
• individual unique password - indicated in the field of the same name.

When logging in for the first time, you are required to use the password received by the user via SMS. Based on the generated request, the service will automatically require you to specify the old password, and then indicate an individual one. The latter is indicated in the “New password” field.

In order to provide the opportunity to initiate the procedure for recovering a personal password, it is allowed to indicate the question in a specially designated field and receive an answer to it as quickly as possible. It is imperative that you remember all the new information provided without exception and click on the “Save” button.

After all login information has been entered correctly, the system will redirect the user to the “Credits” page. In this category you can find information regarding:

• provided ;
• schedule of mandatory payments;
• contributions already transferred;
• debt repayment periods, etc.

If for some reason your login or password is lost, you may use one of the following options for restoring personal data:

1. The most optimal and simplest option is to contact the Agency’s single hotline number. To do this, the user must have an identification card and a loan agreement at hand (you will need to provide its number). If a security question and answer were specified when making changes, then this information will provide all possible assistance in solving the problem.
2. Personally contact the personal agent who was previously assigned to the Agency client as an accompanying person.
3. Try to recover the lost information yourself. To do this, on the user authorization page, under the login and password form, the entry “Forgot your password” is displayed. You must indicate your login (the details of the agreement can be found on the printed form document) or your email address and click on the green line “Restore”. In this case, a notification will be sent to the specified email about attempts to generate new code access.

The more personal information the user provided during registration (various additional questions, current mobile phone number, valid email address), the higher the likelihood of quickly restoring the access code without generating a request for assistance from an agent or dispatcher on the hotline.

Applying for a mortgage and calling the hotline

In order to draw up a mortgage loan agreement, users must follow the established sequence of actions, namely:

1. Fill in mode online application, on the basis of which the representative financial institution will contact a potential borrower in order to select the most favorable lending conditions for him.
2. At the next stage, you need to start collecting the required package of documents in order to confirm the previously generated application. It is necessary to remember the time frame for consideration of the request, which does not exceed 2 days.
3. After this, the appropriate living space is selected. Often, company representatives directly contact a potential borrower in order to select the most suitable property.
4. At the final stage, you need to contact one of the representative offices of the banking institution, which acts as a partner of the Agency in order to sign a mortgage lending agreement and obtain it in general.

It is necessary to pay attention to the fact that you can familiarize yourself with an exhaustive list of partners in the “Mortgage Products” category by first clicking on the “Our Partners” button.

Based on the generated request, a window will open on the user’s monitor screen with the ability to select a specific partner, which directly depends on the location permanent residence potential borrower. Many banks provide mortgage lending services throughout Russia, which is why the borrower only has to indicate his locality when selecting one of them.

Additionally, you should remember the ability to submit a mortgage application at any time convenient for you.

When drawing up a questionnaire, you must indicate:

• full initials of the borrower;
• current contact information for feedback;
• type of mortgage lending you are interested in, etc.

After this, the manager will contact the future client as soon as possible to obtain more detailed information and, if necessary, will provide significant assistance in choosing the mortgage product of interest and the property being purchased in particular.

In addition, the official website contains a specially designed online calculator, with which you can determine absolutely free of charge in the shortest possible time:

• maximum permissible loan period;
• the amount of the mandatory monthly payment.

To do this, the user will only need to specify:

• mortgage program of interest;
• preliminary cost of residential real estate;
• will there be a deposit down payment using funds from maternity capital or not;
• the amount of the down payment;
• lending period.

You should pay attention to the fact that by becoming a user of the online service, you can experience the existing advantages, the main ones being:

• the ability to carry out numerous transactions smoothly and in the shortest possible time, and on state level, which allows you to significantly minimize financial risks;
• saving personal funds due to the absence of commission fees;
• use of a multifunctional service with which you can monitor various completed actions, including the procedure for repaying debt obligations, etc.

If any questions arise that require immediate resolution, you can call hotline 8-800-505-11-11 .

All calls are absolutely free from any region of Russia. Consultants will be happy to provide information of interest.

About how to return money for certificates for participation in state AHML program, you can find out in the video below.

If you took out a mortgage from a bank, regularly repaid the loan, but cannot continue to repay it, the state can help you within one year. Funds are allocated for these purposes from federal budget. Not everyone can get into the program, namely:

• combat veterans;
• parents of disabled children or disabled adults;
• families with children/children under 18 years of age;
• families with dependents under 24 years of age studying full-time at an educational institution.

Having submitted an application to AHML and received a positive response, you re-issue a mortgage with the bank on new terms. The monthly payment is reduced by approximately half for a maximum period of up to one year. The bank's costs will be paid by AHML: in particular, the agency pays off 10% of your debt. A deferment may also be granted to repay the debt.

An applicant for help from AHML must confirm that his family’s income per person is one and a half living wage in his region.

They don't even help those who really need help.

The assistance program itself is good, and on the Internet there are real responses from citizens who were helped by AHML. But on the official website of the Agency of Russian Banks arb.ru Reviews about mortgage loan restructuring are overwhelmingly negative.

The main complaint of borrowers is that AHML simply does not provide assistance to clients, despite the fact that they go through the program. Thus, a user named Yulia briefly but succinctly described her life situation. Review published on October 27:

A single mother pays 18,400 rubles for housing and is unable to support her child

They think for a long time, then they discover errors in the documents, and then they themselves become “stupid”

The complainants did not ignore the negligent work of AHML employees, who accept documents but do not agree to provide assistance, since the papers turn out to be incorrectly drawn up. And then the tedium begins with rewriting documents, exchanging pleasantries and unsuccessful attempts to reach the bureaucrats.

For example, this is evidenced by a review from user Alexander, published on November 12, 2017:

Due to negligent attitude towards work, mortgage restructuring cannot be carried out

Due to the long wait for a decision, you may well fly like plywood over Paris

But the most unpleasant side of mortgage restructuring is that the program’s action is alternating: it works for some time, then its effect ends, after which it is launched again, receiving funds from the budget. There is a high risk of running into the end of the program: let’s say you’ve already filled out an application, started preparing the relevant documents (and they cost money, for example, you’ll have to pay about 1,800 rubles for extracts from the Unified State Register), and then it turns out that the program is no longer valid and you wasted both time and money, and nerves.

Because of a year and two months of chaos, the girl flew away with the restructuring program

Conclusion

Thus, the restructuring of mortgages in 2017 (according to forum visitors) shows that it is quite difficult to obtain assistance from the state to facilitate mortgages, even for those who are entitled to it. If you decide to take advantage of the mortgage restructuring program, be patient and be prepared for the fact that your documents will be reviewed for months, and because of the wait you may well “fly by.”