The mortgage borrower assistance program organized by the Agency for Housing Mortgage Lending (AHML) in 2017, according to the latest news, has been extended and has undergone some changes. Let's look at its main conditions, as well as to whom and how it can help.
The Agency for Housing Mortgage Lending is a state-owned company, the main purpose of which is to provide citizens of the Russian Federation with comfortable and affordable housing. Among the services provided, in addition to the assistance program for borrowers, are mortgage lending for the primary and secondary housing markets, preferential mortgages in Moscow and the regions, services for holding land auctions and leasing real estate.
The Mortgage Assistance Program is designed to provide financial support to certain categories of borrowers experiencing difficulties in repaying their mortgages. According to the latest news, in 2017, by decision of the government, AHML continued its activities in this area, and additional funds in the amount of 2 billion rubles were allocated for these needs in August.
Specifically provided by the terms of the program:
A foreign currency borrower is given a choice: writing off 30% of the debt or converting it into Russian rubles at a lower exchange rate. When the AHML mortgage program is put into effect, the Bank is not entitled to charge from an individual any commissions related to changes in the terms of the mortgage, as well as to shorten the term of the loan agreement.
What are the conditions for providing assistance
Participation in the assistance program is available to the following categories of borrowers:
Grace period — 55 days
Credit limit — up to 300,000 ₽
Interest rate — from 12.00%
Cashback — up to 30%
Installment up to 12 months
Service available "120 days without interest" to refinance loans
Also presented a number of borrower's housing, which are the subject of mortgage. So the area of a 1-room apartment should not exceed 45 m², a 2-room apartment is limited to 65 m², and if the mortgage property has 3 or more living rooms, then the area limit will be 85 m². In addition, the mortgaged apartment must be the only housing owned by the borrower. But AHML, under the terms of the assistance program, allows the presence of a part not exceeding 50% for 1 any other property that is in collective ownership.
Requirements to financial condition individual are:
The final conditions for participation in the Mortgage Borrower Assistance Program are contract requirements. The deal must be concluded at least 12 months before applying to AHML. The exceptions are contracts, for which the statute of limitations is not regulated.
What is needed for registration
To participate in the program, you must contact the bank that issued the mortgage directly (or which owns it today). You must submit the entire list of documents listed below. The application for assistance is reviewed by the financial institution and the results will be communicated to the borrower. In special cases, a special interdepartmental commission may be created.
The list of required documents includes:
According to the latest news, the bank does not need to prove the uniqueness of mortgage housing. AHML independently provides this information. More detailed information can be found on the official website of the Agency.
If you are eligible for assistance from AHML, be sure to use it. The program has already helped more than 1,000 families in the event of difficulties with repayment of a mortgage loan, making life easier for the borrower and his relatives.
The sharp fall in the national currency provoked a decline in the standard of living of the population of Russia, which led to delays in mortgage loans. This situation was especially painful for foreign currency borrowers. Some of them even face bankruptcy. You can read about what bankruptcy threatens with a mortgage and what will happen to a mortgage apartment in the article at the link.
In turn, the Government of the Russian Federation in 2015 adopted a program to support mortgage borrowers who find themselves in a difficult life situation. The mortgage assistance program is designed for 2016-2017.
The regulatory document regulating the procedure for providing assistance is Decree of the Government of the Russian Federation of April 20, 2015 N 373 (with amendments and additions in force in 2017) "On the main conditions for the implementation of the assistance program for certain categories of borrowers on mortgage loans (loans) who find themselves in a difficult financial situation, and an increase in the authorized capital of the joint-stock company Agency for Housing Mortgage Lending.
Now let's take a closer look at the conditions for obtaining support for borrowers with a mortgage loan.
Attention. new terms of the program
Reimbursement under the program is carried out on mortgage housing loans (loans), the restructuring agreements of which were concluded before May 31, 2017.
Conditions for providing support to mortgage borrowers (as amended before August 2017)
Citizens can count on help with mortgage difficulties if 6 conditions are met simultaneously(listed below):
1 obligatory condition - categories of borrowers. The main requirement is that assistance is provided only to citizens who have minor children, or who are veterans of military operations, or who are disabled (or have children with disabilities).
2nd condition - decrease in the income of the borrower.
To receive assistance, it is necessary that one of the consequences specified in paragraph 2.1 and one of the consequences specified in paragraph 2.2 occur (simultaneously).
2.1. the average monthly income of the borrower (solid and joint debtors), calculated for the 3 months preceding the date of submission of the application for restructuring, must decrease by at least 30% compared to the average monthly income of the borrower (solid and joint debtors), calculated for 3 months preceding the date of conclusion of the loan agreement ( loan agreement), or the amount of the planned monthly payment on the credit (loan), calculated on the date of filing the application for restructuring (in ruble equivalent at the rate of the relevant currency established by the Central Bank of the Russian Federation on the same date), must increase by at least 30% according to compared with the amount of the planned monthly payment calculated on the date of conclusion of the loan agreement (this paragraph has not been applied since 2017 in connection with the publication of Decree of the Government of the Russian Federation of November 24, 2016 N 1231);
2.2. the average monthly total income of the borrower's family (solidary debtors), calculated for 3 months preceding the date of filing the application for restructuring, after deducting the planned monthly payment on the loan (loan), calculated as of the date of filing the application for restructuring, does not exceed for each member of the borrower's family (joint and several debtor) twice the subsistence level established in the constituent entities of the Russian Federation, in whose territory the persons whose income was taken into account in the calculation live. In this case, the average monthly total income of the family of the borrower (solidary debtors) in the billing period is equal to the sum of the average monthly incomes of the borrower (solidary debtors) and members of his family, which for the purposes of this document include the spouse (wife) of the borrower (solidary debtor) and minor children, including including those under their guardianship or guardianship.
3 condition - the location of the property and the official registration of the mortgage. According to the current requirements, the object must be located on the territory of Russia, and must also be registered as a pledge. Read about the procedure for obtaining a mortgage in the article at the link.
4 condition - requirements for the area of \u200b\u200bthe room.
Assistance is provided if the residential premises, including residential premises, the right to claim for which arises from the equity participation agreement:
- total area does not exceed: 45 sq. meters - for a room with 1 living room; 65 sq. meters - for a room with 2 living rooms; 85 sq. meters - for a room with 3 or more living rooms;
- at the cost of 1 sq. meters of the total area does not exceed more than 60 percent of the cost of 1 square. meters of the total area of a typical apartment for the primary or secondary housing market (respectively) in the constituent entity of the Russian Federation in which the residential premises are located, determined according to the data of the Federal State Statistics Service as of the date of conclusion of the loan agreement (loan agreement).
Exception: it should be noted that for large families the condition provided for in paragraph 4 does not apply.
5 condition - the only housing.
Assistance is provided only when acquiring a single home on a mortgage. At the same time, it is allowed to have an aggregate share of the pledgor and members of his family in the ownership of other residential premises in the amount of not more than 50 percent in each of such other residential premises.
6 condition - the term of conclusion of the loan agreement.
Support is provided only for those loans for which the contract must be valid for at least 12 months at the time of the application for restructuring.
New. Since 2017, this requirement has been canceled by Decree of the Government of the Russian Federation of November 24, 2016 N 1231
Form of support for mortgage borrowers
Issues of providing assistance in case of difficulties in the payment of mortgage loans are dealt with by the Joint-Stock Company "Agency for Housing Mortgage Lending".
Assistance is provided in the form of loan restructuring. In this case, restructuring can be carried out both by concluding an agreement by the creditor and the borrower (solid and several debtors) on changing the terms of a previously concluded loan agreement (loan agreement), and by concluding a new loan agreement (loan agreement) for the purpose of full repayment of the debt on the restructuring mortgage loan. To conclude a debt restructuring, the borrower must submit an application to a credit institution.
Attention. In August 2017, by a decree of the Government of the Russian Federation, the conditions of the state program were significantly changed. assistance to mortgage borrowers. The new conditions of the program can be found in the article at the link.
Restructuring can be in the following forms
In order to receive assistance, the bank must provide for the following changes in the terms of the mortgage loan:
a) change in the currency of the loan from foreign currency to rubles of the Russian Federation at a rate not exceeding the rate of the corresponding currency established by the Central Bank of the Russian Federation on the date of conclusion of the restructuring agreement - for loans (loans) issued in foreign currency;
b) setting the lending rate for the entire mortgage term not higher than 12% per annum (for loans previously issued in foreign currency) or not higher than the rate in force on the date of conclusion of the restructuring agreement - for ruble loans.
Which banks provide assistance to mortgage borrowers
The main banks of the Russian Federation have joined the program of assistance to borrowers, these include:
Sberbank, Gazprombank, VTB 24, Russian Agricultural Bank, Bank of Moscow, UniCredit Bank, Promsvyazbank, ROSBANK, BINBANK, Absolut Bank, Avtogradbank, AK BARS, AKIBANK, GLOBEXBANK, Far East Bank, Zapsibkombank, Bank ZENIT, Izhkombank, Krayinvestbank, Kurskprombank, LOKO-Bank , METKOMBANK, MTS-Bank, OTP Bank, Primsotsbank, RosEvroBank, Svyaz-Bank, Sobinbank, Center-invest.
Recall that in order to receive restructuring, you need to apply to the bank that issued the mortgage loan, and then the bank itself applies to the Agency for Housing Mortgage Lending. Therefore, if all of the above conditions are met, it will not be superfluous to refer to the Decree of the Government of the Russian Federation of 04.20.2015 N 373 in the application to the bank.
Please note that the program does not provide for the complete exemption of the borrower from making monthly payments on the loan, from paying fines, penalties and penalties accrued under the terms of the loan agreement (loan agreement). The lender may consider the partial or full write-off of fines, penalties and forfeits for late payments formed during the period of deterioration of the borrower's solvency. However, according to the assistance program approved by the Government of the Russian Federation, he is not obliged to do this. In addition, the program does not provide for the release of the borrower from property and title insurance, as well as personal insurance, the conditions for which are specified in the current loan agreement.
Prepared by "Personal rights.ru"
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The sharp deterioration of the economic situation in the country has 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?
A mortgage loan is issued in accordance with the norms of the Federal Law "On Mortgage (Pledge of Real Estate)" (hereinafter referred to as the Law). Despite the fact that the buyer of the apartment receives its ownership from the moment of state registration of the sale and purchase agreement, the property is under encumbrance until 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 program of assistance to certain categories of borrowers on mortgage housing loans (loans) in a difficult financial situation, and the increase in the authorized capital of the 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.
The state mortgage lending program 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 cannot formalize restructuring in accordance with the federal program.
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 its maximum amount 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 of the Russian Federation can take advantage of state assistance to mortgage borrowers in 2017. 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. To apply for restructuring and receive a state subsidy, it is necessary that the total family income for the last three months, calculated for each family member (including all minor children), does not exceed two subsistence levels 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 exceed 60% of the average price per square meter of real estate of the same category in the same region on the date of signing the 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
Only those mortgage borrowers for whom this property is their only home can receive mortgage compensation from the state in 2017. 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 a foreign currency, it can be recalculated into the national one at the 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 the maximum amount should not exceed 12%;
- 50% reduction in monthly payments 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 that established by the Central Bank at the time of the 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 it is more profitable for a banking organization 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 offer huge penalties for late payment or incomplete payment. For the client, the financial institution can cancel the penalty;
- recalculation of debt from foreign currency into domestic. 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 reason for the appearance of debt under a mortgage agreement, you should not delay with an application to the bank. 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 to it documents indicating the difficult financial situation of the family, for example, a certificate of income.
Results
The federal program is aimed at helping the most vulnerable categories of mortgage lenders, for whom housing taken on credit was the only way to solve the housing problem. 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.
Mortgage loans continue to be popular despite the financial crisis. To facilitate mortgage payments, a special program of assistance to citizens has been developed. In 2019, the State Agency for Housing Mortgage Lending continues to provide compensation for housing loans.
Mortgage subsidies make monthly interest payments much easier and reduce principal debt. The current program is based on the Decree of the Government of the Russian Federation of April 20, 2015, signed by the head of the Cabinet of Ministers Dmitry Medvedev.
Amount of state aid
There is no fixed amount that a young family can use. There are certain conditions under which it is possible to repay a debt in the amount of up to 1 million rubles:
- the birth of a child will help the family receive compensation for 18m² of living space;
- the appearance of a second baby allows you to get help for an additional 18m² of housing;
- the decision to have a third child makes it possible for the state to fully repay the mortgage debt (this depends on the cost and area of \u200b\u200bthe apartment).
Note!
Each region has its own calculation of the maximum amount of mortgage compensation. In large cities, this can be 1 million rubles, but in the provinces it does not even reach 600 thousand rubles.
Who is eligible for the subsidy
In addition to the birth of children, the following categories of citizens can exercise the right to partial repayment of the debt:
- guardians or adoptive parents of minor children;
- participants in the war who received the title of veteran;
- parents with a disabled child;
- disabled persons of certain categories.
There are a number of life circumstances in which a conscientious borrower may qualify for a refund:
- the total income of all family members for the last quarter (3 months) decreased by more than 30%;
- the amount of monthly payments to repay a mortgage loan has increased;
- after paying off the debt for the personal needs of the family, there are less than 2 subsistence minimums established in the region of residence.
To confirm life circumstances, it is required to submit documents that are carefully checked by the Agency's employees, after which a decision is made to provide assistance to borrowers, or to refuse it.
Don't expect to pay off your debt in full. But pleasant moments in the form of lowering the interest rate or partial repayment of the debt can be a significant support for a family in a difficult financial situation.
All preferential provisions have their own validity periods, so do not delay collecting the necessary documents if a new direction appears in the program.
The beginning of 2018 brought a tempting offer to provide an additional subsidy, but a huge number of requests from those who wanted to take advantage of this led to a sharp closure of the project, due to the fact that the allocated funds had run out.
Registration procedure
Using the state program is quite simple - you need to provide a standard package of documents to the credit institution that issued the mortgage loan:
- passport of a citizen of the Russian Federation;
- full loan agreement for an apartment or house;
- a certificate from the bank on the maturity of the mortgage and the remaining amount of the debt;
- income statement from work;
- confirming the right to ownership of mortgaged housing;
- an extract from the USRR on the absence of other housing;
- if there is a co-borrower, his certificate of income;
- certificate from the pension fund on the lack of income of dependents;
- certificate from the pension fund on the amount of the pension;
- equity participation agreement (for new buildings);
- appraisal of the value of collateral;
- certificate from the bank about the payment schedule;
Documentary evidence of material difficulties that have arisen will also be required:
- certificate of unemployment;
- certificate of salary reduction at the enterprise, with copies of orders for salary reduction;
- all kinds of extracts from hospital cards, if the repayment of the debt is prevented by any diseases.
All documents from the USRR are issued on a fee basis. In case of refusal to provide a subsidy, the money will not be returned. It is worthwhile to study the provisions on the appointment of assistance well in order to avoid waste of money.
In addition to the main types of documents required to be presented to credit institutions, additional certificates and extracts may also be required. The term for consideration of the application is standard - 10 working days from the date of submission.
It is worth remembering that each individual financial institution reserves the right to set deadlines according to the internal regulations. If it is necessary to urgently process documents, it is possible to write a written application to the bank with a request to expedite the verification process.
Payment procedure
Partial or full repayment of a mortgage at the expense of the state occurs in several stages:
- In order to avoid spending public funds for other purposes, the money is transferred to a special account from which repayment is automatically performed.
- If a child is born in the family during the conclusion of the contract, the state provides an additional 5% subsidy.
- All program participants receive a certificate confirming the status of a beneficiary.
- Repayment of the loan under the state program takes place in all banks of the Russian Federation.
- Assistance to mortgage holders is provided once.
Basic requirements for housing and borrowers
In order to receive a preferential subsidy, an apartment or house must meet the following requirements:
- Borrowed housing should be the only one for the owners.
- The cost of an apartment should not be higher than 60% of the cost of similar housing in the region, according to the Federal State Statistics Service.
- The areas must not exceed the following dimensions:
- one-room apartments - 46m²;
- two-room apartments - 65m²;
- three-room apartments - 85m².
The rules do not apply to families with 3 or more dependent minor children. It is mandatory for the borrower to have Russian citizenship.
Advantages and disadvantages
The advantages include a rather impressive amount of financial assistance, which greatly facilitates the life of the borrower. At the same time, the lack of transparency of the procedure, a large list of documents, paid certificates from the State Registers and the lack of explanations in case of refusal make the process of obtaining assistance tedious.
We can safely say that the program is a good support for housing borrowers who find themselves in tight financial circumstances. But the receiving mechanism needs significant improvements. The first of these should be the maximum transparency of all stages of obtaining such necessary assistance to young families.
Note that the main focus of the program is aimed at preventing a demographic crisis in the country. In addition to housing subsidies, the state is actively developing social support for families with children, so the funding rules change every year, you need to carefully monitor new bills so as not to miss your chance to take advantage of the benefits.
| Loan currency | Russian rubles | |
| Minimum loan amount | from 300 000 rubles | |
| Maximum loan amount | Must not exceed the smaller of: 80% of the value of the property indicated in the appraisal report Maximum amounts for various loan purposes:
|
|
| Credit term | from 1 year to 30 years | |
| Commission for issuing a loan | absent | |
| Refinanced loans | With one loan "Refinancing secured by real estate" you can refinance:
Up to five different loans:
Mortgage loan refinancing is mandatory for obtaining a loan under the “Refinancing secured by real estate” product. |
|
| Commission for issuing a loan | absent | |
| Loan security | Pledge of the property:
If the property is purchased with a refinanced mortgage, it may be encumbered with a mortgage in favor of the primary lender. This encumbrance is removed after the refinancing of the mortgage loan is repaid, after which the property is pledged to the Bank. If the funds of a refinanced mortgage loan were not used in the acquisition of a real estate object, then such an object must be free from encumbrance with the rights of third parties / be under arrest (prohibition). |
|
| Insurance | Voluntary life and health insurance of the borrower in accordance with the requirements of the Bank. |
| Age at the time of the loan | at least 21 years old |
| Age at the time of repayment of the loan under the agreement | |
| Work experience | at least 6 months at the current place of work and at least 1 year of total experience for the last 5 years** |
| Attracting co-borrowers | The Borrower/Title Co-borrower must be a borrower/one of the co-borrowers for Refinanced Home Loan Refinanced Loans (only if he is the spouse of the Refinanced Home Loan Borrower). If there are conditions in the loan documents for a refinanced housing loan, according to which all actions related to its execution, receipt, support are assigned to a specific co-borrower, this individual must act as the Borrower/Title Co-borrower. The requirements for the Co-Borrower(s) are similar to those for the Borrower. The spouse of the Title Co-borrower is not included in the Co-borrowers only in the following cases:
|
| Citizenship | Russian Federation |
The spouse of the title co-borrower is a co-borrower without fail, regardless of his/her solvency and age***.
* The loan repayment period fully falls on the working or retirement age of the borrower / each of the solvent co-borrowers.
** This requirement does not apply to clients receiving salaries to an account with Sberbank.
*** Except in cases where there is a valid marriage contract.
To consider a loan application, you need:
- Passport of the borrower/co-borrower with a registration mark;
- A document confirming registration at the place of stay (if there is a temporary registration);
- Documents confirming the financial condition and employment of the borrower/co-borrower/guarantor
- loan agreement number
- amount and currency of the loan
- interest rate
- monthly paymentThis information must be confirmed by submitting any of the following documents to the bank: loan agreement, payment schedule, notification of the full cost of the loan, a document confirming the change in the details of the Primary Lender.
- For each refinanced loan, information must be provided:
- loan agreement number
- date of conclusion of the loan agreement
- validity period of the loan agreement and/or loan repayment period
- amount and currency of the loan
- interest rate
- monthly payment
- payment details of the Primary Lender (including account details for repayment of the Refinanced Loan)To confirm the specified information, it is necessary to provide the bank with any other document: a loan agreement, a payment schedule, a notice of the full cost of the loan, a certificate / statement on the balance of the debt confirming the change in the details of the primary creditor.
The Bank reserves the right, during the consideration of the loan application, to additionally request from the client information about the refinanced loan:
- on the balance of the loan debt on the Refinanced Loan with accrued interest
- on the presence/absence of current arrears and arrears during the last 12 months
Such information must be confirmed by a document from the creditor bank for the refinanced loan (certificate, extract or other document). The information must be current as of the date of submission to Sberbank.
About details for repayment of refinanced loans:
Payment details, which will be used to send the amount to repay the loan in another bank, must be provided when submitting to the bank primary package of documents. If these details will change during the period between the submission of the application and the issuance of a loan by the Bank, the loan will not be issued and the loan application will need to be resubmitted with new details.
If refinanced the loan was transferred/sold to another bank(another organization: e.g. in AHML), That when applying it is necessary to provide the Bank with a document confirming the change in the details for repaying the refinanced loan.
Documents that can be provided after the approval of the loan application:
- Documents on the provided collateral (may be provided within 90 calendar days from the date of the Bank's decision to issue a loan)
If you partially repaid a refinanced housing loan using maternity (family) capital or maternity capital was used to purchase real estate pledged to the Bank, you need to obtain consent from the guardianship and guardianship authorities to pledge real estate (based on paragraph 3 of article 6 of the Federal Law -102 "On mortgage (mortgage of real estate)".
The loan is provided to citizens of the Russian Federation in the branches of Sberbank of Russia:
- at the place of registration of the borrower and co-borrower;
- at the place of accreditation of the company-employer of the borrower/co-borrower;
Loan application processing time
No more than 8 business days.
The procedure for granting a loan
At the same time.
Loan repayment procedure
Monthly annuity (equal) payments.
Partial or full early repayment of the loan
It is carried out according to an application containing the date of early repayment, the amount and the account from which the funds will be transferred. The date of early repayment indicated in the application must fall exclusively on a working day.
The minimum amount of early repayment of the loan is unlimited.
There is no fee for early redemption.
Penalty for late loan repayment
Penalty* for late repayment of the loan corresponds to the key rate of the Bank of Russia, effective on the date of conclusion of the Agreement, from the amount of overdue payment for the period of delay from the date following the date of the fulfillment of the obligation established by the Agreement, to the date of repayment of the Overdue Debt under the Agreement (inclusive).
*Under loan agreements concluded from July 24, 2016 to
Take advantage of real estate insurance programs (within the framework of a mortgage), as well as the life and health of the borrower at IC Sberbank Insurance LLC and IC Sberbank Life Insurance LLC - 100% subsidiaries of Sberbank PJSC:
- Simple, convenient and fast design. For example, when renewing an insurance contract, you do not need to transfer a copy of it to Sberbank yourself, the documents are sent automatically
- The possibility of resolving the issue online: from signing an insurance contract to settling losses in an insured event
- The terms and conditions of the insurance programs comply with the Requirements for the Terms and Conditions for the Provision of Insurance Services under Sberbank Loan Products 1
- Insurance tariff / cost of insurance when prolonging the insurance contract for the second and subsequent years is 10% lower
- In the event of an insured event, you can contact any branch of Sberbank, regardless of where the contract was drawn up
- You can issue a policy in a few minutes on the DomClick website, on the website of insurance companies - LLC IC Sberbank Insurance and LLC IC Sberbank Life Insurance, or at any branch of Sberbank.
Life and health insurance under the Protected Borrower program 2
What is included in the program?
Insurance is carried out in case of:
- Death of the Insured Person
- Establishing a disability or group for the Insured Person
What are you getting?
- Reduction of the Sberbank mortgage rate to the established level under the "protected loan" condition;
- The insurance tariff is determined individually depending on the gender and age of the client.
website.
Mortgage insurance 3
What is included in the program?
Insurance of the pledged property (except for the land plot) against the risks of death, damage.
Additional benefits:
- 1 month of validity of the insurance contract additionally when issued at Sberbank branches
Detailed terms and conditions of insurance can be found on the website.
1 Mandatory requirements of the Bank to insurance companies and conditions for the provision of property insurance services
2 The insurance service is provided by IC Sberbank Life Insurance LLC. The license for the insurance of SZh No. 3692 (type of activity - voluntary life insurance) was issued by the Bank of Russia for an indefinite period. PSRN 1037700051146, www.sberbank-insurance.ru Address: Moscow, st. Shabolovka, 31G. Office hours: Monday - Friday from 08.00 to 20.00 Moscow time
3 Real estate (mortgage) insurance. The insurance service is provided by IC Sberbank Insurance LLC. License of the Bank of Russia to carry out voluntary property insurance SI No. 4331, issued on 08/05/2015 for an indefinite period. PSRN 1147746683479, www.sberbankins.ru Address: 115093, Moscow, st. Pavlovskaya, house 7, tel. 8 800 555 555 7, Working hours Monday-Friday from 9:00 to 19:00 Moscow time.
