Buying your own home is an extremely difficult task for the vast majority of the country’s citizens, including Muscovites. Not everyone can buy an apartment or pay for housing construction. It does not allow families to make such a large purchase low level income, others – insufficient accumulated savings. To solve such a complex problem, social mortgage programs were developed in Moscow.

Social mortgage 2020 includes a complex of government lending programs, as well as a whole range of special banking products, which may partially overlap with government ones. Today, banks provide preferential loans for housing construction in Moscow, as well as social mortgages for secondary housing and primary real estate.

Who can get a preferential mortgage in Moscow?

A significant number of mortgage benefits with different lending conditions determines the existence of several groups of people who can take advantage of this program. In 2020 get preferential loan for housing in Moscow banks can:

• people living in premises unsuitable for habitation, who are registered accordingly;
• families not provided with adequate living space (housing area is less than 18 square meters per family member);
• young families with one child (parents' age should not exceed 35 years);
• large families(without restrictions regarding the age of parents);
• military personnel, as well as combatants (to take out a soft loan, you must participate in the savings system for at least three years housing provision military personnel);
• workers in socially significant professions (for example, scientists, officials, healthcare workers, etc.).

Social mortgage– a set of government programs to improve the living conditions of socially vulnerable segments of the population. There are several forms of social mortgage:

Currently, several state mortgage programs operate at the federal and local levels, for example, for young families and for state employees - young teachers and scientists, as well as for military personnel.

Social mortgage in Moscow

As part of the social mortgage, the city of Moscow provides its residents who need improved housing conditions with the opportunity to purchase residential premises owned by the city of Moscow at a reduced price based on purchase and sale agreements using mortgage lending. The price of such real estate is significantly lower market price similar premises not owned by the city and sold as part of housing programs. The redemption value of real estate is calculated on the basis of a government-approved methodology, taking into account the number of years a citizen has been on the housing register and the availability of rights to benefits when purchasing housing.

Social mortgages are provided to solvent residents of Moscow aged 18 to 55 years who are recognized as in need of improved housing conditions. The potential borrower must obtain positive decision bank to issue a loan in the amount necessary to purchase an apartment.

To register, a citizen must contact the Moscow City Property Department.

Regulatory documents regulating the provision of residential premises from housing stock Moscow city using mortgage lending:

Decree of the Moscow Government dated September 27, 2011 N 454-PP (as amended on April 8, 2015) “On approval state program city ​​of Moscow "Dwelling" for 2012-2018";

Decree of the Moscow Government dated August 14, 2007 N 703-PP “On approval of the Methodology for calculating the redemption value of residential premises owned by the city of Moscow for sale to citizens within the framework of city housing programs”;

Decree of the Government of the Russian Federation of January 11, 2000 N 28 “On measures to develop the housing mortgage lending system in the Russian Federation”;

Moscow City Law No. 29 of June 14, 2006 (as amended on July 2, 2014) “On ensuring the right of Moscow residents to residential premises”;

Law of the city of Moscow dated March 31, 1999 N 11 (as amended on May 19, 2004) “On organizational and financial security implementation of a housing mortgage lending system in the city of Moscow.”

Mortgages for young families

Mortgages under the federal program “Affordable Housing for Young Families” are intended for young people, i.e., it is assumed that each family member is under 35 years of age. In addition, the program sets a number of restrictions. The family must stand in line for improved housing conditions. For two people an allocation of 42 sq. m. is required. meters if there are no children, and if there are - 18 square meters. meters per person. The amount of assistance to young families is determined based on the cost of housing in the region.

The basic indicators of the size of the subsidy under the program “Young family - affordable housing” are: up to 30% of average cost housing for young families without children and up to 35% with children. A number of banks have developed their own social mortgage programs for young people. For example, Sberbank of Russia has a “Young Family” program with lower interest rates compared to basic conditions lending.

At the same time, many banks do not identify young families as a separate social group when providing mortgage lending. However, most long-term programs are aimed at young people.

Family mortgage

In 2018, the state launched a preferential mortgage program for families who will have a second and/or subsequent child during 2018-2022. Its mechanism of action involves subsidizing the interest rate on the loan for three to eight years (depending on the number of children) at 6% per annum. After the end of the subsidy period, the rate is set at key rate Bank of Russia, valid on the date of conclusion of the loan, increased by 2 percentage points.

Military mortgage

Today in our country there is federal program called "Military Mortgage". Its essence lies in the fact that military personnel taking part in a military mortgage receive a subsidy every year into their special account. Funds accumulated in this account can be used to make a down payment when purchasing a home under the program military mortgage. For example, in mortgage programs for the military the following are involved credit organizations: Gazprombank, Svyaz-Bank, Zenit Bank.

Mortgage against maternity capital

After the birth of the second child, the family can count on repaying part of the mortgage debt using funds from maternity capital. At the same time, maternity capital is paid only three years after the birth of the second child. The programs of most banks also provide for the possibility of accounting for maternity (family) capital as a down payment.

Mortgages for young professionals

In addition, there are government regional programs, designed for young professionals working in public sectors. Thus, interest rate benefits are provided for doctors and teachers, as well as special conditions on the accumulation of initial contributions. You can find out how to get a government mortgage from your local authorities.

Today the state is confidently working on various programs to support the poor. This includes providing people with affordable housing. For this, there are various benefits and programs, one of which is the so-called social mortgage. We will find out below who can apply for it, what are the features of obtaining such a mortgage, and what is required from the applicant.

What is a social mortgage?

Social mortgage is a form of mortgage lending in which part sum of money paid by the state. What are the features of a social mortgage and how profitable is it? Let's try to answer these questions:

• The main advantage and most attractive factor of a social mortgage is the reduced cost per square meter of housing. That is, it turns out that the same housing purchased under the social program or standard mortgage, will cost differently.
• Before approving a loan, the bank checks the apartment for “cleanliness” and also provides life insurance for the borrower and the apartment.
• If you managed to get a social mortgage, then now you have another advantage on your side - guarantees from the government and the bank itself.
• Installed at the beginning interest rate remains for the entire loan period.
• Preferential mortgages are issued at a low interest rate. IN various banks it varies and starts at approximately 9%.
• People can choose a loan period of up to 30 years.

Please note that the form of this support varies from region to region. For example, this may be not just the purchase of housing at a low cost on credit, but also compensation of a certain amount from a loan for already purchased housing or reimbursement of a certain part of the mortgage interest.

The procedure for obtaining and the social mortgage agreement

The procedure for obtaining a mortgage is not an easy process. If we are talking about social mortgages, then things are even more complicated. The applicant will have to prove that he really belongs to the low-income category of citizens and has the right to receive this type of lending. This process is step-by-step, and each step will be discussed in detail below:

1. The first and most important step is to apply for a social mortgage. This statement, as a rule, are submitted to the city administration or to their immediate superiors (depending on which social group you belong). You are now in line to receive a social mortgage.
2. Next, you need to find out the nuances of this loan. This is done in a bank that cooperates under this program with government agencies. First, we find out which bank will provide you with a loan (this can be done at the city administration), and then we contact the bank. This stage will allow you to find out the interest rate, payment features, maximum terms and most important point- a package of documents required for registration.
3. When it’s finally your turn, a social mortgage agreement is drawn up, and you receive the coveted apartment as a mortgage. A sample document looks like this:

Please note that the mortgage process outlined above may vary in your area. It may also be different for certain categories of citizens. Please consider this in advance to act in accordance with the law.

Documents for social mortgage

Depending on which social group you belong to, the package of documents for you may vary. However, there is a certain documentary base, that is, a set of documents that you will definitely need. This includes:

• Application for a social mortgage. It should be noted, this document is a regular loan application. His form is available.
• A document confirming tax registration.
• A certificate from your place of employment, which contains information about your current income and work experience.
• Passports of each family member (children under 14 years old usually require a birth certificate).
• Help from the house book in the prescribed form.
• Title document for the apartment.
• A copy of the work record book.
• Certificate confirming family composition.
• A certificate confirming the registration of ownership of the purchased property.
• Extract from the Unified State Register for the purchased living space.
• Bank account details.

Some situations imply that the property has already been purchased with a mortgage. That is, in in this case within social program the state will help pay part of the existing debt or in another way help simplify the payment of the established amount. Check with your local authorities to find out which type of support you may qualify for.

Who can apply for a social mortgage?

Not all categories of citizens can qualify for a social mortgage. This important aspect, because first you should find out whether, in accordance with modern legislation, you have the right to this type of lending or not. Let's consider several conditions that must be met to obtain this type of lending:

• The applicant does not have his own home. As a rule, such people live either in communal apartment, or in a hostel, and sometimes they rent housing.
• People live in cramped conditions, which means less than 14 square meters for each family member.
• There is a special set of requirements that the bank puts forward. Citizenship and term may be taken into account here. length of service, registration, etc. You must find out this set of requirements directly from the bank with which the state cooperates as part of the program.

These are the basic requirements for applicants, but additional ones are also noted, which are presented separately for each social category of citizens.

Types of social mortgages

Social mortgage for a young family

What conditions must a young family meet in order to qualify?

• The family should have enough Money to pay off a mortgage loan or pay for part of the apartment not paid for by the state. As a rule, this means that income must be at least 2 times the amount of the contribution for mortgage loan.
• At the time of registration of the mortgage, the age of each spouse should not exceed 30 years.
• It is necessary for local governments to confirm that the family really needs improved housing conditions. Based on the results of this confirmation, a special certificate should be issued, which will subsequently be required for the package of documents.

Do not forget also about the special requirements that may be imposed by the bank.

Social mortgage for state employees

State employees are usually employees government agencies. In most cases they get enough low salary and therefore have the right to apply for preferential mortgage terms. Who exactly is included in the category of state employees?

• teachers;
• young scientists;
• the doctors;
• military employees.

State employees can apply for such forms social support, How preferential mortgage; purchasing housing at cost; partial compensation from the price of real estate from budget funds.

Social mortgage for doctors

Doctors as employees budgetary organizations may qualify for preferential mortgage loans. However, to do this they must meet a number of conditions:

• Have both specialized secondary and higher education in the field of medicine. But a prerequisite is that he must be a certified specialist in this field.
• In order to start applying for a mortgage, a specialist must work in the medical field for at least 1 year. In some regions this bar is lower: in some places it’s a quarter, and in others it’s six months.
• The maximum age of program participants cannot exceed 35 years (in some regions this limit reaches 40 years).
• In the future, a physician should devote himself to working in medicine in this region for no less than 5 years.

Another important condition is living in cramped conditions or in a rented apartment.

Social mortgage for teachers

Teachers as public sector employees can apply for a social mortgage only if they meet the following conditions:

• The age of the applicant cannot exceed 35 years.
• It is necessary that the teacher does not own any real estate.
• The specialist must have Russian citizenship.
• The teacher must permanently reside in the region where he works, and also have direct work experience of at least 1 year.
• The borrower must be solvent. This condition means that the amount monthly fee should not exceed 45% of salary.
• It is advisable to have a good “work history”. This can be confirmed by letters of recommendation from the place of work, positive characteristics, absence of reprimands and other sanctions imposed by superiors.

Employees receive primary support when selecting candidates rural areas and teachers who moved from the city to the village or village. Also, the advantage is on the side of those who have young children.

Social mortgage for those on the waiting list

Those on the waiting list are those who have applied for a social mortgage and are waiting in line. In order to join the queue, you must meet the conditions outlined in the sections provided above. Please note that the timing of obtaining a mortgage depends not only on how early you joined the queue. Attention is also paid to the following factors:

• living conditions available at this moment;
• presence of young children;
• belonging to the budget category (or another preferential category);
• having enough income to pay the mortgage.

Video: Social mortgage - borrower opportunities

It is important to remember that a social mortgage is not only a burden of obligations from paying off the debt, but also a lot of opportunities that the state provides. A specialist will tell you about them in the video:

Please note that in some cases a down payment on the mortgage is required, and this is often a significant amount. However, preferential mortgages require a small down payment, which starts at 10%.

Throughout 2015, mortgages remained one of the most popular tools for purchasing housing in the mass segment. Largely thanks to the launch of a state program to subsidize housing loan rates. This measure allowed low-income groups to gain access to relatively inexpensive loans: social mortgage rates from the Mortgage Agency housing lending thanks to the state program, they start at 9.9% per annum. Analysts from the Metrium Group company found out in which new buildings in Moscow it is possible to get a loan according to the social standards of AHML, and calculated how much such a mortgage would cost the buyer.

Providing socially vulnerable groups of citizens with housing is declared in Russia as one of priority areas activities of the state. For this purpose, various programs are being developed, ranging from the opportunity to receive an apartment or house for free use, to various tools for purchasing housing for preferential terms. One of them is the social mortgage, issued by a number of banks in partnership with the Housing Mortgage Lending Agency.

The difference between this program and most of those on the market is a lower interest rate - from 9.9% per annum - and a small down payment: only 10% of the cost of the apartment. In this case, the loan can be issued for a period of up to 30 years, and as additional method attracting financing can be used maternal capital.

However, this program has a number of restrictions regarding both the categories of citizens admitted to it and the objects in which housing can be purchased using a social mortgage.

Participants of the “Housing for Russian Family” program;
- families with two or more minor children;
- employees of military-industrial complex enterprises with at least 1 year of experience;
- disabled people and families raising disabled children who registered for the improvement of housing conditions before 01/01/2005.

In addition, the leadership of each region of the country can admit additional categories to the social mortgage program: combat veterans, young families living in emergency housing, employees of a number of organizations and government bodies, etc.

Regarding facilities accredited to participate in the social mortgages AHML, then today the agency’s website contains a list of about 140 buildings in 62 new buildings being sold in Moscow and in the territories annexed to the capital. At the same time, as Metrium Group analysts note, approximately half of the accredited facilities belong to the business and elite class segments. And this is quite strange, given the fact that the maximum loan amount in Moscow is set at 10 million rubles.

“The concept of “maximum loan amount” means that the buyer must pay the rest of the cost of the apartment as a down payment,” explains Maria Litinetskaya, managing partner of Metrium Group. - That is, theoretically, a social mortgage can be issued for an apartment for a billion rubles, paying 99% own funds. It can be assumed that the buyer of a business class apartment will pay 60-70% of its cost from his savings, and will take out a social mortgage for the remaining 10 million rubles. But in the elite segment such a situation is unlikely.”

Despite the fact that AHML promotes social mortgages as a loan with a rate of 9.9% per annum and with a down payment of 10% of the cost of housing, upon closer examination it turns out that a combination of these two parameters is impossible - you have to choose one. A rate of 9.9% per annum is offered under the “Mortgage with state support» with minimal down payment 20%. And get one like this low rate Only large families (3 children or more) will be able to, other social categories can count on a rate of 10.65% per annum. And if the buyer is able to contribute only 10% of the cost of housing, then state support will not be available to him, and the interest rate will be 13.25% per annum.

There is also a limitation on maximum amount loan depending on the size of the down payment. If the “Mortgage with state support” option is used, then the loan size does not change much: 7.3-8 million rubles. Without government support, the loan amount varies from 6.6 million rubles with a contribution of 10-19% of the cost of the purchased housing to 10 million rubles with a contribution of 50%.

"Old" Moscow

Within the old borders of Moscow, social mortgages are currently offered in 15 new economy and comfort class buildings, which is 41.7% of all properties in this segment.

The lowest prices for apartments in projects with a social mortgage are presented in the Etalon City residential complex - from 3.55 million rubles. Accordingly, here you can get the most lenient mortgage conditions from AHML. At a rate of 9.9% annual size The down payment will be from 710 thousand rubles, and the monthly payment will be from 24.7 thousand rubles. If we start from the down payment of 10%, then we need to have at least 355 thousand rubles of our own funds and pay at least 36 thousand rubles monthly to pay off the debt.

The second position is in the residential complex “Varshavskoe, 141”, where prices for apartments start from 3.99 million rubles. Here you can get a social mortgage at 9.9% per annum with an initial payment of 798 thousand rubles; servicing the loan will cost from 27.8 thousand rubles per month. With a minimum contribution of your own funds, the first payment will be from 399 thousand rubles, and the monthly one - from 40.4 thousand rubles.

The residential complex “Marshala Zakharova, 7” closes the top three. Starting prices for apartments here are fixed at 4.39 million rubles. To minimize the size of the monthly payment, you need to deposit your own funds from 878 thousand rubles. Then, at a rate of 9.9% per annum, every month you will need to pay from 30.6 thousand rubles. And with a small initial payment (from 439 thousand rubles), you will have to pay the bank almost 1.5 times more monthly - from 44.5 thousand rubles.

In addition to these three new buildings, social mortgages can also be issued in such landmark projects for the capital’s market as Tsaritsyno-2, the Fili Grad and Vodny mixed-use complexes, River Park and a number of others.

Residential complex of the mass segment of Moscow with a social mortgage

Name	RVE	Min apartment area (sq. m)	Min apartment cost (million rubles)	9.9% per annum		10% contribution
						Initial payment (thousand rubles)	Monthly payment(thousand roubles.)
"Etalon City"	1 sq. 18	38,79	3,55	710	24,7	355	36
"Varshavskoe, 141"	4 sq. 16	22,4	3,99	798	27,8	399	40,4
"Marshala Zakharova, 7"	2 sq. 18	26,2	4,39	878	30,6	439	44,5
"Tsaritsyno-2"	1 sq. 17	34,3	5,11	1022	35,6	511	51,8
Multifunctional complex "Fili Grad"	3 sq. 17	28,3	5,77	1154	40,2	577	58,5
"River Park"	2 sq. 17	35,69	5,84	1168	40,7	584	59,2
"Life-Mitinskaya Ecopark"	1 sq. 17	42,12	5,99	1198	41,7	599	60,7
"City on the Tushino River-2018"	4 sq. 17	39,6	6,8	1360	47,3	680	68,9
Chertanovo-Severnoye, microdistrict 7B	Obtaining RVE	42,6	7,24	1448	50,4	724	73,4
"Yauza Park"	1 sq. 17	40,45	7,29	1458	50,8	729	73,9
"House on Nagatinskaya"*	3 sq. 16	41	7,64	1528	53,2	1074 (14,1%)	73,9
“House on Izumrudnaya”*	Obtaining RVE	43,4	7,73	1546	53,8	1173 (15,2%)	73,8
Multifunctional complex "Vodny"*	RVE received	39,9	7,81	1562	54,4	1261 (16,1%)	73,7
"Life-Mitinskaya"*	RVE received	43,87	10,66	3198 (30%)	64,9	4396 (41,2%)	70,5
"Vershinino"*	RVE received	76,9	17,05	5115 (54%)	68,2	11425 (67%)	63,3

* The minimum cost of apartments in these projects exceeds the maximum allowable size borrowed money for the basic down payment amount. In the “Initial payment” columns, the minimum required share of own funds is indicated in brackets, which will allow you to comply with the conditions for the provision of a social mortgage according to AHML standards.

Source: Metrium Group

New Moscow

On the territory of the Novomoskovsky and Troitsky administrative districts, 14 new buildings are currently offered with the possibility of obtaining a social mortgage from AHML, including in such well-known projects as "", "First Moscow", "Sports Quarter" and others. This represents 38.9% of the total number of projects in New Moscow.

The most interesting conditions today can be obtained in the Borisoglebskoe residential complex. Considering that the minimum cost of an apartment here is 1.9 million rubles, buyers from social categories it is possible to deposit 380 thousand of your own funds and pay only 13.2 thousand rubles per month on the loan. Or you can save on the down payment by making only 190 thousand rubles. The size of the monthly payment in this case will also not be very high - 19.3 thousand rubles.

You can also get a social mortgage in the Sports Quarter residential complex. With the cost of the apartment being 2.26 million rubles, the amount of the down payment when applying for a loan at 9.9% per annum will be 452 thousand rubles, and the monthly payment will be 15.7 thousand rubles. And with a 10% down payment of your funds, you will have to pay 226 thousand rubles, and every month you will need to pay 22.9 thousand rubles. It is worth noting that these figures are the lowest in Moscow among projects whose construction has already been completed: buyers of apartments in the Sports Quarter will be able to receive the keys at the beginning of 2016.

The third position is occupied by the Prima-Park residential complex, where prices for apartments start from 2.89 million rubles. You can become the owner of an apartment in this project by contributing 578 thousand rubles of your own funds. The monthly payment will be 20.1 thousand rubles. Alternatively, you can have only 289 thousand rubles of your own money, but every month you will have to give more - 29.3 thousand rubles.

Residential complex of the mass segment of New Moscow with a social mortgage

Name	RVE	Min apartment area (sq. m)	Min apartment cost (millions) rub.)	9.9% per annum		10% contribution
				Initial payment (thousand rubles)	Monthly payment (thousand rubles)	Initial payment (thousand rubles)	Monthly payment (thousand rubles)
"Borisoglebskoye"	4 sq. 16	33,4	1,9	380	13,2	190	19,3
"Sports Quarter"	1 sq. 16	28,32	2,26	452	15,7	226	22,9
"Prima Park"	RVE's teaching	26	2,89	578	20,1	289	29,3
"Vnukovo 2016"	4 sq. 17	30,41	2,98	596	20,7	298	30,2
"New star"	2 sq. 16	22,9	3,02	604	21	302	30,6
"Novo-Nikolskoye"	Obtaining RVE	45	3,53	706	24,6	353	35,8
"Andersen"	1 sq. 16	38,22	3,6	720	25,1	360	36,5
"First Moscow"	4 sq. 19	39,2	3,82	764	26,6	382	38,7
"Peredelkino Blizhnoe"	3 sq. 17	37,2	3,98	796	27,7	398	40,3
"Butovo Alleys"	Obtaining RVE	35,6	4,03	806	28,1	403	40,8
"New Vatutinki", Central microdistrict	Obtaining RVE	37,2	4,26	852	29,7	426	43,2
"New Butovo"	2 sq. 16	37,5	4,32	864	30,1	432	43,8
"Moscow A101"	1 sq. 17	40,9	4,58	916	31,9	458	46,4
"Buninsky"	Obtaining RVE	44,03	5,62	1124	39,2	562	56,9

Social mortgage in Moscow in 2020 is an effective way to improve living conditions. This will allow residents of the capital to purchase residential real estate by concluding a purchase and sale transaction involving preferential payments. You do not need to visit numerous branches of Moscow banks: a list of social mortgage agreements is presented on the website.

Conditions for obtaining a social mortgage in Moscow

Now there are several options for social mortgage agreements:

• obtaining a loan on preferential terms low interest. According to government support programs (the difference is paid by the state), the interest rate of these loans is between 10.6% (with a down payment of at least 30% and 11.1% (with a down payment of 10%). Payments under the longest agreement can be made by the client up to 30 years.
• Bank social mortgage - offers with a lower or higher interest rate..
• The third group of contracts is concluded on state apartments on a social mortgage at a price below market value. This mortgage is issued through an agent bank.

If you have debt on a social mortgage in 2020, you should apply for a reduction in the level of payments or an increase in the term of the contract using the online application service on the website.