Social mortgage in Kazan. Social mortgage for young families

Mortgage - the type of loan, under the terms of which the client acquires real estate and undertakes to repay the debt within the specified period. As security for the performance of the obligation, the property becomes a pledge to the bank. The buyer can also mortgage other real estate. The conditions of this type of lending in Russia are quite strict. Therefore, the government, together with banks, offers its citizens a certain category of citizens with its maintenance programs. More detailed information about what a social mortgage is in Kazan, you will learn the terms of its receipt from this article.

Features

Housing on the social mortgage is granted to unprotected categories of citizens who are not able to independently purchase an apartment on a commercial program. The main difference is in the small cost of 1 square. M living space. Borrowers do not need to save money for buying an apartment for many years. They can enter the housing immediately after registering a loan and register there family members. Another advantage is the additional guarantees that are provided by the bank and the government. The credit organization carefully checks all documents, insures the life of borrowers and property, the interest rate for service is not changed until the end of the contract.

Social mortgage for state employees (Kazan) is provided on the following terms:

• Participants can be employees of state enterprises, as well as those that partially finance it;
• Per person living in an apartment should account for at least 18 square meters. M;
• The maximum loan period is 28 years;
• The loan is granted at an interest rate of 7%;
• There is an opportunity to get a loan without an advance payment.

The list of requirements is dictated not only by commercial banks, but also by the authorities. The first can impose restrictions on citizenship, residence and work record, etc. The requirements of the authorities relate to more real estate and their location.

The main disadvantage of a mortgage is a significant overpayment, which can exceed 100% or more. It includes a bank commission for services, provision of services, monthly insurance payments, etc.

Details

The social mortgage in Kazan is provided within the framework of the Salavat Cooper project. On the territory of the residential complex in the Kirov region, 400 hectares have been allocated, on which 1.4 million square meters will be built. M living space. More than 50,000 people already live here, who can use the developed infrastructure: 22 kindergartens, 7 schools and several polyclinics. In total in 2014 it was put into operation 6,5 thousand apartments with a total area of more than 380 thousand square meters. The plan for 2015 - 5649 apartments with an area of more than 345 thousand square meters. Meters.

Within the framework of the federal program "Housing" the following services are provided:

• Social mortgage for young families;
• Provision of land plots;
• Providing housing for specialists in rural areas;
• Fulfillment of state obligations to provide real estate to certain categories of citizens.

Who is available for a mortgage?

The issue of providing citizens with housing is acute in Kazan and Tatarstan. But in these regions there are some nuances of the service. In accordance with the law, people who need improvement in living conditions, who are registered, as well as people working in organizations that have made money injections, can benefit from state support. In Kazan, there is another problem: municipal land is almost completely used, construction is carried out at the site of the demolition of houses or in the industrial zone.

Kinds

For residents of Kazan and Tatarstan, such subspecies of the "Social Mortgage" program operate:

• "Apartment for young teachers."
• "Mortgage for young families."
• "Apartment for Youth".

Let's consider each of them in more detail.

Apartment for teachers

To support novice teachers who are under 35 years of age, a special procedure for granting compensation was developed . Participants can get a subsidy at around 10% of the cost of housing to pay the down payment. This money is provided if the employee has worked for more than one year and undertakes to work for another 5 years in the same place.

Social mortgage for young families

Spouses who have not reached the age of 35 have the right to issue a subsidy within 35% of the cost of housing, and a family with at least one child - 40%. Housing must comply with the standard: 18 square meters. M per family member. The maximum age of both spouses is 34 years. The family should be registered in the register for housing, and also have on hand the amount exceeding the amount of the subsidy that is provided under the "Social Mortgage" program.

Where can I apply to make a registration application for a grant? To the local executive authority. If the decision is positive, the participant is given a special certificate, and the subsidy is transferred to the partner bank account.

Mortgage for young people

Soldiers of student construction teams, who have worked 150 shifts, can apply for a mortgage at the cost of the apartment. This is three times cheaper than the market price. More detailed information can be found on the website of the public organization "Russian student groups".

Social mortgage in Kazan at the birth of a child

To reduce the financial burden on the family, the state program provides for payment by installments. It depends on the initial cost of housing, the amount of the accumulated contribution and the monthly amount of income. Under the terms of the program, if a child appears in the family after the loan has been registered, she receives a material compensation equivalent to the cost of 18 square meters. M of purchased housing. But this amount should not exceed the unpaid part of the debt.

How to get a social mortgage

To apply for a loan, it is necessary to submit an application and copies of such documents to the bank:

• Passports;
• SNILS;
• INN;
• Military ticket;
• Birth certificate of the child;
• Documents on education;
• Marriage / divorce certificates;
• Labor book (the employer must certify);
• Income statements.

Additionally, you may need:

• Certificate of registration.
• Copies of passports of relatives.
• Pension certificates of parents.
• Certificates of death of relatives.
• Documents confirming the existence of other property (dacha, car, land, securities, etc.).
• Movement of accounts in banks for the past six months.
• Documents confirming a positive credit history: copies of payment on utility bills for the last 6-12 months; Credit agreements.

Together with the copies at the time of submission, you must provide originals.

If the future borrower is a business owner, then it is necessary to provide documents to the bank confirming the stability and dynamics of development. From the IP will require a certificate of registration, a license to carry out activities, documents confirming the payment of contributions, account statements, copies of lease agreements, etc.

Non-residents who work in the territory of the Russian Federation must provide a copy of the residence permit and work permit.

Having reviewed the documents, the bank makes a preliminary decision. If it is positive, then the client can proceed to the selection of a particular real estate object. It must meet the conditions of the program. After choosing the borrower must collect the title documents for the evaluation of housing.

Further procedure

Based on the estimated amount of housing formed a credit limit. It is not more than 80-100% of this figure. Since the social mortgage in Kazan is a long-term type of lending, the bank requires guarantees in the form of insurance of risks of loss of efficiency, ownership or damage to property. Then the client needs to sign a contract with the bank. With its form the borrower can get acquainted in advance at the stage of collection of documents. In some cases it is necessary to sign a contract of sale, from which the mortgage follows the law. In addition, it is also necessary to issue a mortgage - a security that gives the creditor the right to receive the performance of the obligation. The process of registration of documents with the state registration is coming to an end. Here's how to get a social mortgage.

Conclusion

The state within the framework of special programs allows some categories of the population to purchase a dwelling on credit. The loan is granted for 28 years at 7% per annum, provided that a person can pay an initial fee. To participate in the program you need to register with the state administration of the district and collect a package of documents.