Help for mortgage debtors. Assistance Program for Mortgage Borrowers in Difficult Situations

The state strives to make mortgage lending affordable for every person. The implementation of this goal is a key element of the activity of the Agency for Mortgage housing loans.

The official website of AHML is dom.rf. To get to the web page, you must go to the following link.


The main page of the portal illustrates the basic information about the company:

  • Key news and announcements of the organization;
  • Analytical data;
  • Mortgage rates
  • Interesting videos that relate to the right choice of housing
  • inflation rate and so on.

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

Since 2018, the division has changed its name from AHML to DOM.RF. The main task is to assist in the provision of housing to citizens and ensure accessibility and transparency in the choice.

To achieve the main goal, the company implements the following functional responsibilities:

  • Development secondary housing mortgage lending;
  • Development of rental housing;
  • Providing land plots, which are in state property, auction for sale;
  • Leasing for the purpose of residential construction, taking into account all the requests of the developer;
  • Transfer of land to deceived equity holders or large families;
  • Creation of a bank on the basis of which clients can receive all services related to the selection, purchase, registration of residential premises, with subsequent maintenance;
  • Ensuring reliability. Works only with trusted credit institutions and developers;
  • Formation of a favorable infrastructure by supporting the quality of improvement processes, the development of the urban environment and taking into account the social and economic trends of the country.

DOM.RF is developing steadily. In its growth strategy from 2016 to 2020, it set goals such as increasing mortgage lending to 500 billion rubles, involving up to 14,000 hectares of state land, and so on.

Must be remembered! In order not to miss important news regarding mortgages, home construction or residential building laws, you need to regularly visit the site to monitor announcements. For convenience, you can bookmark the link to save time.

Personal Area

Interaction with AHML goes through VTB Bank or Personal Area, which can be accessed via the link.


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

  • Applying for a partial or full repayment debt;
  • Overdue debt control;
  • Obtaining data on payments made and the history of repayment;
  • Checking information about the balance of the debt, monthly payment and so on.

Important. To always be aware of the news of overdue debts and the date of repayment of the debt, you should register on the dom.rf portal. and receive all necessary information straight to the mail. For registration, you need confirmation of the service contract and data on full name, date of birth, mortgage number and contact phone number.


How to get a mortgage

To get a mortgage, you need to do the following:

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

The list of partners can be checked in the "Mortgage products" tab by clicking on "our partners".


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



How to calculate a mortgage?

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

To do this, you must select mortgage program, cost of housing, maternal capital(optional), down payment and desired mortgage term.

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


Types of mortgage products and requirements for borrowers

The AHML service has many advantages, such as:

  • Making all transactions at the state level, which minimizes financial risks;
  • Savings due to the absence of commissions;
  • Providing online service, which allows you to control the actions taken, the maturity dates, and so on.

Important!

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

DOM.RF offers the following types of mortgage programs:

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

Requirements:

  • The age of the borrower is from 21 to 65 years;
  • Permanent employment for at least 6 months;
  • Loan term from 3 to 30 years and so on.
  1. New building. Interest rate from 9.0% to 9.50%, which depends on the total amount of the loan.
  2. On-lending. The interest rate ranges from 9.0% to 9.50%. The object under construction can be at any stage of construction.

Previous loan requirements:

  • Absence of overdue debts;
  • Payments made for six interest periods;
  • No restructuring.
  1. Family mortgage. Interest rate from 6%. The product is provided to families who have a second or third child from 2018 to 2022. The first required contribution must be at least 20% of the amount of housing.
  2. On the security of an apartment. Rate from 9.25%. Minimum amount the loan is 500,000 rubles. The requirement for an apartment is that minors or incapacitated persons cannot be owners of housing.
  3. military mortgage. Interest rate from 9.0%. An initial fee from 20%. Borrower must be over 25 years of age. Maximum amount the loan is about 2.5 million rubles.
  4. Regional programs. It has a relatively low interest rate (from 6%). Program participants are determined by the regional government. They may be young or large families, budget employees and so on.

Important. A list of areas in which regional programs take place can be viewed at the link.

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

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

State program of assistance to borrowers

The organization helps borrowers in the purchase of housing who find themselves in a difficult financial situation.

Program participants can be:

  • Parents of minors or children with disabilities;
  • veterans;
  • Disabled people;
  • Parents whose children are full-time students of the department and are under 24 years of age.

To receive support, you need to do the following:

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

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

Attention! All information on this website is provided for informational purposes only. The site does not collect and process personal data. Federal Law of July 27, 2006 N 152-FZ "On Personal Data" is not violated.

Dom.rf on Instagram

The financial crisis has added problems to the majority of Russians who took earlier mortgage. It will help not to lose housing, perhaps the only one, and restore your solvency mortgage restructuring. This assistance is provided by the state through the Agency for Housing Mortgage Lending (now known as JSC "DOM.RF"), reducing the burden of the loan in the amount of up to one and a half million rubles.

How it works?

Mortgage restructuring 2019 became possible after the entry into force of the decree signed by Dmitry Medvedev on April 20, 2015 (Decree of the Government of the Russian Federation dated April 20, 2015 No. ) found themselves in a difficult financial situation, and an increase authorized capital joint-stock company "DOM.RF").

The program provides credit reduction in the amount of up to one and a half million rubles at the expense of one-time forgiveness of part of the debt and / or replacement of foreign currency on the loan for Russian rubles at a rate lower than the rate of the corresponding currency set by the Central Bank of the Russian Federation on the date of restructuring. Monthly payments on a loan after restructuring are reduced to 11.5% per annum for loans taken in foreign currency, or up to the interest rate effective on the date of restructuring - for loans taken in rubles. In addition, the borrower is exempt from paying the penalty accrued under the loan agreement.

The losses incurred by the bank as a result of restructuring are compensated by the state. Thus, the financial burden on the borrower is significantly reduced, and banks do not lose their money.

Requirements

In order to receive support and use the services of a mortgage restructuring agency, there are a number of conditions and parameters.

First, they concern the mortgage housing pledged to the bank.

  • This should be the only housing of the borrowers. Thus, mortgage loans for which several apartments or houses were purchased are not subject to restructuring. It is allowed for borrowers to own other real estate, or rather, the total share in it of no more than 50% for all family members.
  • The size of the home also matters. It should be a small apartment or house. The decree specifies the maximum allowable footage. For one-room apartment no more than 45 sq. m, for a two-room apartment - no more than 65 sq. m, and for three-, four-room, etc. this area should not exceed 85 sq. m.
  • The purchase of housing and the issuance of a mortgage loan must be made no earlier than a year before the restructuring.

Eligibility for a subsidy

Secondly, the decree clearly defines the categories of people who can qualify for assistance from the state and not lose their homes, becoming a persistent non-payer. It included:

  • citizens who are parents or guardians (custodians) of one or more minor children;
  • combat veterans;
  • disabled people and parents of children with disabilities;
  • persons who are dependents of full-time students under the age of 24.

The 2019 mortgage restructuring applies to bona fide borrowers who are experiencing financial hardship due to declining living standards, such as the loss of a job. At the same time, they must document the fact that after making a monthly mortgage payment from the general family income less than 2 per family member living wages established by the state in the region where the borrowers live. Or mortgage payments increased by 30 percent or more.

After all conditions are met, the borrower has the right to apply for mortgage restructuring. Although this is not a complete disposal of debt, but only a reduction in payments, it makes a mortgage loan more affordable.

The algorithm of the debtor's actions

To receive material support from the state for a mortgage, you must contact the bank branch where the mortgage loan was granted, with an application for restructuring and a package of necessary papers.

Below is an approximate list of documents that you need to submit for consideration of your application:

  • passport;
  • loan agreement and annexes to it (if any);
  • a bank statement indicating the repayment period and the amount of the debt;
  • a document containing information on the income of the co-borrower (certificate of income);
  • documents confirming the validity of the reasons for the debt:
    • in case of job loss - a work book with a record of dismissal, a certificate of registration with the employment center as unemployed, indicating the amount of benefits received;
    • in case of health problems - a certificate of illness from a medical institution;
    • in case of a decrease in the amount of labor income - a certificate from the employer about the reduction in wages, etc.

Note! Since 2017, the provision of extracts from the Unified State Register of Real Estate is not required: JSC "DOM.RF" independently checks the relevant information on real estate.

Please note that the above list is indicative and may be supplemented or changed depending on the particular bank. The term for consideration of the application may also be different (on average - up to 10 working days).

In conclusion, I would like to note that the economic crisis is not yet a reason to panic, because there is always a way out. Mortgage with state support is designed to help citizens who find themselves in a difficult financial situation to solve the problem of housing.

Currently the main purchase option own housing is mortgage credit lending. In order to reduce the burden on payers of regular contributions, the government side has developed special program help.

Latest news on the algorithm of the state program

Since 2017, an updated program has come into force, aimed at providing assistance and comprehensive support to mortgage borrowers who find themselves in a difficult life situation, who have become unable to service their own loans on their own. About 2 billion rubles have been allocated from the reserve fund owned by the government. These funds were to be contributed to the AHML fund in order to implement this strategy.

The restructuring measures include reduction in payments, contributed by the borrower on the loan throughout the entire time period of assistance. Also banking system promises to "forgive" the main debt and change the credit terms in favor of the borrower, setting an interest rate within 12%. The time period during which this form of assistance is provided is from half a year to a year.

So, if certain changes have occurred in the financial situation of the borrower, and he cannot pay the mortgage, this is a reason to apply for state support. You can get it in a situation where the total average monthly income does not exceed twice the subsistence minimum for each of the family members.

An important role is played by an increase in the monthly payment: it needs to happen in the amount of 30% in comparison with the plan.

IN last years observed in the country crisis situation. It led to a significant drop in incomes of the population. The state decided to provide assistance to certain categories of citizens who have taken loans in order to build new or purchase ready-made housing. The essence of the strategy is to support the settlement of debts to banking structures. This is done through the Agency for Housing Mortgage Lending (abbreviated as AHML).

Initially, it was planned to complete this program by the end of 2016. Due to the impossibility of simultaneously satisfying all the requests of citizens, certain adjustments were made to the document. First, the date was set to March 1, 2018, and then to May 31. In August, new amendments were signed, within which no specific deadlines were specified.

The beginning of the functioning of the policy falls on 2015 in the framework of the Decree of the Government of the Russian Federation No. 373 of 04/20/2015. Help was provided individuals who took out a mortgage, lost the opportunity to make annuities. In February 2018, in government circles, it was decided to extend this program until May 2019 as part of Decree No. 172.

In 2018, the government side created a new order No. 961 with the resumption of the assistance and support program on an indefinite basis.

At the very beginning, AHML allocated 4.5 billion rubles. This contributed to solving the problem with the debts of about 19 thousand borrowers. In July 2018, as part of Medvedev's decision, another 2 billion rubles were provided. from the reserve fund. In August of the same year, changes were made to Resolution No. 373.

Currently, according to preliminary estimates, more than 90 financial organizations are participating in the program.

Who is eligible for state support in 2019

They have the right to count on receiving comprehensive assistance from the state the following categories of citizens:

  • persons with minor children in care;
  • citizens who have acquired residential property on the territory of the Russian Federation;
  • borrowers with a Russian residence permit;
  • people whose income per family member is less than two subsistence minimums established within a particular region;
  • persons facing a payment increase of 30%.

Also available several auxiliary conditions:

  • the mortgage was issued for the purchase of finished housing or real estate in construction;
  • the total area indicator is less than 45 squares for a one-room apartment and up to 65 square meters. for a two-room property;
  • the price for one square is no more than 60% of the average value of 1 square. m. on the territory of a typical apartment.

Only if these conventions are met can a citizen/family receive support from the government.

What help can be provided

There are several variations and areas of assistance provided to borrowers by the state:

  1. Restructuring. Assumes a change in structure debt obligation in terms of rate, term, amount, i.e., the amount of debt can be “stretched” over time. In this case, the term will increase, and the amount will decrease.
  2. Using another currency. This step is expedient for persons who have taken a mortgage loan in dollar currency. Due to the growth of its rate, it is currently unprofitable to pay a mortgage loan. Switching to rubles will help correct the situation and solve the problem.
  3. minimization interest rate . Reducing the interest rate to a preferential level is the best way to conveniently repay a loan obligation. You can reduce the amount of payments without affecting your own budget.
  4. Providing credit holidays. This is the time interval for which the borrower is exempted from the need to pay mortgage loan. Its duration depends on individual circumstances.
  5. Ensuring repayment of the principal debt. A certain part of the debts can be repaid at the expense of the state. This is called a mortgage subsidy.

The optimal support format is selected according to individual circumstances.

Conditions for participation and requirements for the applicant

Priority is given to persons with children, as well as to socially vulnerable categories of the population. These include veterans, other beneficiaries who receive subsidies from the authorities. A significant reason for granting benefits is a decrease in the size of the borrower's earnings.

A prerequisite for applying for assistance is also formed if the housing meets the requirements for area and other operational parameters.

Support procedure

To apply for a subsidy, it is necessary to apply to the banking organization that issued the mortgage, as well as to ensure that an application for the restructuring procedure is submitted. Along with this, it will be necessary to provide documents that can confirm the borrower's attitude to a certain social category. Their list includes following papers:

  • birth certificate of children;
  • a certificate belonging to a combat veteran;
  • a certificate confirming the presence of a disability group;
  • certificate 2-NDFL, guaranteeing the level of income;
  • statement characterizing property status.

AHML currently participates in the support program 121 credit organizations. Non-profit structures are also among the participants. A large share is occupied by such companies as Sberbank, Delta-Credit, Raiffeisenbank. The action of the program continues until the financial resources allocated for implementation.

Statistical summary

In accordance with the main statistics, support was provided to borrowers for a total amount of 1.689 billion rubles. Positive decisions were made on 200 applications, and restructuring is currently pending. According to preliminary reports from AHML (now DOM.RF), amendments to Russian budget, so the amount of allocated funds increased even more.

Thus, citizens who have entered into a mortgage lending agreement are entitled to count on a state subsidy. It can appear in several formats. The choice of a particular method of assistance is carried out on an individual basis and depends on a number of factors.

More about the assistance program mortgage borrowers can be found below.

Obtaining a mortgage loan is a salvation for many Russians in need of housing. The amounts required to purchase your own apartment or house are sometimes so large that it is difficult to buy property on your own. Mortgage restructuring with the help of the state is a rational solution to the housing problem.

The crisis state in which the country's economy has been for the past few years affects the well-being of people. Mortgage repayment terms, which were difficult even without economic difficulties, are becoming an unbearable burden for many families. In such cases, large banking organizations offer a mortgage restructuring service.

What is mortgage restructuring

Mortgage loan restructuring helps borrowers rid themselves of the status of a debtor when repaying a loan on their own is difficult. The terms of restructuring provide for the variability of monthly payment amounts and payment terms. This service can be used by all payers who meet the conditions of the program.

In the process of restructuring, the parties revise the previously concluded loan agreement. The purpose of the revision is to introduce changes that are beneficial primarily to the borrower. When confirming temporary financial difficulties, the bank meets halfway, having secured the order of AHML. Steps credit institution performed to be performed by the borrower credit conditions, may be as follows:

  1. Extension of the loan repayment term. This results in a reduction in the monthly payment. It is worth remembering that an increase in the term entails an increase in the amount of interest paid, but sometimes this option is the only possible one.
  2. Reducing the interest rate. It is possible if the level of development of the credit institution and economic situation countries allow this, for example, when the Central Bank rate was reduced after the signing of the agreement. The amount of savings received by the borrower is insignificant on a monthly basis, however, the amount saved in a year may exceed the amount of one payment.
  3. Changing the loan payment currency. Since the depreciation of the ruble is directly related to the financial situation of many borrowers, the bank may decide in favor of dollar payments.
  4. Changing the repayment schedule. The lender may offer an option to change the payment amount for a certain amount of time: for 6 months, for a year. This time is enough to financial position the borrower has stabilized. It is possible to reduce the amount of payments up to 50 percent.
  5. Providing credit holidays. The average term is 6 months. During the holidays, the borrower pays only the main debt, he is exempt from paying interest for this time. In some cases, a complete exemption from making payments for a specified period is also possible.

Mortgage restructuring home loan- a smart decision that benefits both parties to the transaction. The bank is guaranteed to continue to receive payments, the borrower keeps a “clean” credit history without being included in the list of debtors. Existence on banking market such a service justifies itself. It is important not to accumulate debts, but to apply to AHML in a timely manner with a request for state support.

The role of the state

Borrowers in need of government assistance enter into banking organization new mortgage. This happens after a corresponding request is received from AHML, where the citizen must apply with the assistance of the bank. The activities of the agency are regulated by legislative acts, since this organization is the federal operator of the project.

The last document signed by the Chairman of the Government of the Russian Federation Dmitry Medvedev is dated July 25, 2017 (Decree of the Government of the Russian Federation dated July 25, 2017 No. 1579-r). The program provides for spending 2 billion rubles to help citizens who find themselves in a difficult financial situation and have difficulty repaying a mortgage loan. The conditions of the program are detailed in the Decree of 04/20/2015.

If the borrower meets the requirements of the program, then he can count on support from the state in the form of:

  • interest rate reduction: the maximum rate is 12%;
  • writing off part of the principal mortgage debt (but not more than 200,000 rubles);
  • suspension of payments for a certain period;
  • no fees associated with the restructuring procedure;
  • currency changes.

For payers, participation in this program is completely free. The property pledged to the bank must meet the following requirements:

  • not be luxury housing;
  • area of ​​a one-room apartment - no more than 45 square meters;
  • the area of ​​a two-room apartment is no more than 65 square meters;
  • the size of an apartment of three rooms - no more than 85 meters.

An apartment pledged to a bank - a lender, for example, Sberbank - is the only housing of the borrower. If there are three or more children under the age of 18 in the family, the requirements for the area of ​​the premises are irrelevant.

After applying to AHML, the borrower, who has received a positive decision, again applies to the bank, where the parties agree on a restructuring option. New treaty will allow the citizen to fulfill his obligations under the loan in full, but with a slight delay. The Agency for Housing Mortgage Lending (AHML) will transfer funds to the bank in the amount of the assignment made to the borrower.

Who gets help

Not every citizen can become a member of the state program. The agency imposes a number of requirements on borrowers. Categories of citizens who can apply for participation in the program:

  • combat veterans;
  • large families in which at least one child is a minor;
  • persons with disabilities;
  • parents of children with disabilities or who are themselves such;
  • citizens with at least one minor child and under the age of 35;
  • citizens who are employees of state authorities, local governments;
  • citizens who are employees of state and municipal institutions, organizations of the military-industrial and research and production complexes.

All program participants must be citizens of the Russian Federation, whose income has recently become lower than confirmed at the time of obtaining a mortgage. For each family member, the income must be less than the sum of two subsistence minimums. The object of real estate taken on credit must be located on the territory of Russia.

Procedure

Everyone who meets the terms of the program and wants to restructure a mortgage loan, first of all, should find out if a bank, for example, VTB-24, is cooperating with AHML. Direct appeal to the Agency is not provided. Step-by-step instruction next:

  1. Submission of a request to the bank for cooperation with AHML.
  2. In the case of a positive answer under item 1, carefully read the terms of the program.
  3. Preparation of a package of documents requested by the Agency and required by the bank.
  4. Filling out an application on a form issued by the creditor bank.
  5. The reply is in process.
  6. In case of a positive answer under paragraph 5 - the signing of a new loan agreement.

Required documents

In case of a positive answer, a package of documents must be submitted to the bank. It includes:

  • application form;
  • passports of all family members and copies;
  • Marriage certificate;
  • decision of the guardianship authorities on adoption;
  • veteran's certificate (if any);
  • documents confirming the borrower's disability;
  • information about the composition of the family;
  • a copy of the work book;
  • income statement (2 - personal income tax);
  • certificate of registration with the employment service.