times when housing from the state could get everyone, ended.Now the solution of housing problems falls to the needy.Since 2005, the Trust operates a special system of housing loan (TSZHZ) for military personnel.On the essence of this program and will be discussed in this article.
mortgage to buy an apartment as collateral by the bank, it is necessary to make a down payment and monthly pay some money.Such a scheme may come typical representatives of professions with a stable income, but not the people who devoted his life to public service.Especially for them, in 2004 the government developed a funded mortgage system (NIS).
essence of the program is.Member of NIS receives a monthly subsidy to your account, which can only be used for an advance payment on the mortgage.In 2013, its size was 18.5 thousand. Rubles.For the year could sakkumulirovat 222 thousand. Rubles.The subsidy standard for all employees, but every year it is indexed in a big way.In 2014, it amounted to 233.1 thousand. Rubles.After 36 months of participation in the program can apply for registration certificate report (TSZHZ) for military personnel.This is the starting point in obtaining a mortgage.Although the money comes at the expense of the borrower, he can not use them until a certain time.Therefore, formally the person receives funds in loans.The program aims not only to provide housing for certain categories of citizens, but also on the formation of the army.After receiving a loan from the state, a person can not leave on their own.Otherwise, you must return all funds to the budget.
money accumulated in the account of the borrower, multiplied by investing with reliable financial instruments.Funds are available in cash only after dismissal from service under certain conditions.
Next Steps After receiving the documents is time to start looking for apartments.Certificate TSZHZ for servicemen - is approval of the borrower's bank confirmation of its solvency.Apartments can be selected in the finished home or building.The object in the primary market should be accredited by FSI "Rosvoenipoteka."Such bit.After the client determine the choice, you can contact the bank for the registration of the contract.
To qualify for the military, need to fill out a form, apply for a loan and account opening, to provide a package of documents and a report on the cost of the apartment.Paper covered in up to 10 days.After receiving the approval of the employee must come to the office for signing.Another 12 days spent on the transfer of funds from the FSE "Rosvoenipoteka" to the bank.The amount of the transaction is equal to the down payment.Then, on the account of the borrower are their own and credit funds.The money the seller receives upon registration of documents and transfer of ownership.So the loan is made for the military contract.
Who can participate in the program?
According to the Federal Law №117 «About the NIS", this may be the military who are serving on a contractual basis in the Armed Forces.The presence of property to the date of application for the decision are not affected.
The NIS must uchuvstvovat:
• graduates of institutions that have concluded the first contract after the 01.01.2005 .;
• reserve officers or volunteers who started the service after 2004;
• commissioned officers, warrant officers, who have worked for more than three years after the 01.01.2005 .;
• servicemen who received the rank of officer since 2007.
willing participant in the program may be:
• sergeants, soldiers, sailors, who signed a new contract after 2004;
• graduates of institutions that have dulled the service before 1 January 2005;
• officers who received the title from 2005 to 2007 and will serve under contract for at least 3 years;
• commissioned officers, warrant officers, who have worked more than 36 months after the 01.01.2005, but the first contract was signed prior to that date;
• 2005-2007 graduates who received the rank in the learning process.
Terms mortgages
If a soldier becomes a party to the NIS, it automatically opens a savings account in his name.For the graduates of 2005 and later, as well as persons who have undergone training junior officers after 01.01.2008, with a base is to obtain an officer rank.For warrant officers who have served for three years, - the conclusion of the first contract.Volunteers for the program must write a report to the commander.The date of his registration in the register will be deemed to be included in the NIS.
each soldier is assigned a number based on which the FGI "Rosvoenipoteka" opens a savings account.Notice the inclusion of person in the register is sent to the unit.
Exit the program
In the case of termination of employment, death, recognition of persons missing he was expelled from the NIS.Savings account is closed and all funds, depending on the circumstances, a military family or transferred back to the federal budget.
Three years after opening the account the borrower receives the right to use the funds to purchase housing.After processing the loan to L / s will still arrive subsidy.The accumulated amount at the time of discharge from the army, you can get cash.Permission is granted to spend the loan to improve living conditions or for other purposes.The same opportunity occurs in individuals who have served more than 20 years.War with ten years of experience and can get the money in cash when he was fired:
• in connection with the achievement of the maximum period of stay in the service;
• due recognition unfit for work for health reasons;
• for family reasons which are provided by law;
• as a result of organizational and staff measures.
In case of death, death, recognition of persons missing, the accumulated sum is paid to the family members of the military.In other situations, the money is returned to the budget.
How to buy an apartment?
accumulated funds under the program TSZHZ can be used to pay the deposit and of the monthly payment.The maximum loan amount are calculated on the basis of contributions that must be on the account of a soldier by the time he turned 45 years old.Since the subsidy is adjusted annually by the law, the limit is calculated on the basis of indexation, the predicted values inflation and interest rates.The funds transferred to the bank account just to make a down payment or monthly payments on the loan.
algorithm producing TSZHZ
1. report to the commander.
2. FGI "Rosvoenipoteka" draws up the certificate.
3. The calculation of the maximum amount of the loan.
4. Apartment search.
5. Applying for targeted housing loan.
6. Preparation of a positive decision.
7. The signing of the contract with the bank.
8. Check the condition of FGU "Rosvoenipoteka."
9. Signing the agreement TSZHZ.
10. Transfer of funds to the bank to make an advance payment.
11. Conclusion of the seller of the contract of sale and registration of property.
12. Transmission of documents to the bank.
13. Transfer the money to the seller.
As indicated in the certificate?
document contains information on the following:
• Full name of the participant;
• validity of TSZHZ;
• amount of funds accumulated in the account;
• the balance of the account name.
Within 30 days after signing the form is issued a certificate.Then, it is sent by express mail to one of the branches of FSI "Rosvoenipoteka" or commander of the unit.Validity of the document - 6 months.If during this time the certificate has not been implemented, it must be handed over to the local branch of the Federal State.
How to repay the loan for the military?
money used within the NIS, after 20 years of service transferred from the category of the target loan to a grant.If a person retires before then, he must return the money with interest over 10 years.TSZHZ Treaty provides for annuity scheme repayment.
Nuances insurance
Bank may resell mortgage.When a change of ownership to the borrower need to make changes to the insurance contract.This soldier learns from an official letter from the bank.After receipt of the notification within the specified period you need to come to the insurance company and re-sign the contract.
Military Mortgage: Sberbank, VTB
borrower can choose the credit institution for registration of the contract.Terms almost the same everywhere:
- the minimum age of the borrower - 21;
- at the conclusion of a contract serviceman must be under 46 years old.
difference lies in the interest rate and the maximum amount that can be obtained under the "Military Mortgage".Savings Bank provides its clients with loans at 10-12% per annum for 20 years, subject to the 10% down payment.The maximum amount - 2.17 million rubles.Based on the stipulated conditions, the age limit of the borrower at the time of signing of the documents is 25 years.The great advantage of this scheme - a small fee for the use of borrowed funds.In comparison, the interest rate on any other mortgage program Sberbank starts with a mark of 12%.Credit soldiers VTB provides for up to 14 years at 12.5%.The borrower must pay at least 20% of the cost of housing as an advance.Maximum loan amount - 1.9 million rubles.
What you need to know in a bank?
Ask the employees of the financial institution with the following information:
• Loan limit;
• list of required documents;
• creditor's claim to acquire premises;
• list of partners accredited AHML, in the case of buying an apartment in the primary market.
Prior to the approval of the housing credit institution is not necessary to transfer the money from the savings account.Not the fact that the seller wants to return the deposit, if the bank will refuse to issue the loan.
buy housing becomes the property of a soldier from the registration documents.But the right to dispose of them is limited, since it is the key to the return of the loan.The owner will not be able to sell real estate is not fully repay the debt to the bank.
few more nuances
1. Member NIS can reside in the purchased housing, rent it out (subject to availability of permission from the Federal "Rosvoenipoteka").
2. Servicemen are entitled to a tax deduction.Refund subject to funds deposited in excess TSZHZ, as well as the cost of finishing and design of the apartment in a new building.The deduction is available until the total cost does not exceed 2 million.
Conclusion
TSZHZ for servicemen - confirmation of the solvency of the customer the opportunity to buy an apartment on credit on concessional terms.After 3 years of participation in the NIS can apply for a certificate.On the basis of this document, the bank calculates the maximum amount of the loan.Then you can begin to search for a specific proposal on the market.Terms and conditions of the mortgage are: credit is granted under the preferential percentage (10-12.5%) for up to 20 years.The accumulated amount of the program is used for payment of advance, and then to the repayment of part of the monthly payment.After 20 years of participation in the NIS can take the money in cash.
