Part of the mortgage debt will be formed by those citizens whose income decreased by a third - borrowers who were in a difficult financial situation will be able to receive assistance from the state according to the Decree of the Government of the Russian Federation of 20.04.2015.

The list of such borrowers was approved, these include the following categories of citizens:

veterans of hostilities

citizens who are dependent on 2 or more minor children

disabled

employees of municipal and government agencies of health, culture, employment, social protection, physical education and sports, scientific organizations, employees of the defense and industrial complex

Resolution No. 373 of 20.04.2015 provides for such Russians to restructure debt on the basis of an application if their income decreased by 30% or more. The decision provides for certain conditions for the object of the mortgage (its location, area, cost), as well as the loan itself, more precisely, to its goals (overhaul, the acquisition of housing, participation in equity construction and so on). As of the date of submission of the application, the proceedings of payments must be at least 30 and not more than 120 days, and the loan itself is issued no later than January 1, 2015.

During the period of assistance (12 months), the borrower payments will be reduced, part of the principal debt is forgiven, the loan conditions - changed, the interest rate is set at a level not higher than 12% per annum

The lender, in turn, has the right to refund part of the incomplete income (the maximum amount of compensation is 200 thousand rubles). The authorized capital of OJSC AHML under the implementation of the program was increased by 4.5 billion rubles.

Change information:

Decree of the Government of the Russian Federation dated December 7, 2015 N 1331 changes amended

Decree of the Government of the Russian Federation of April 20, 2015 N 373
"On the basic conditions for implementing a program of assistance to certain categories of borrowers on mortgage housing loans (loans), which found themselves in a difficult financial situation, and an increase in the authorized capital of the Joint Stock Company" Mortgage Housing Agency "

With changes and additions from:

In order to implement the plan for priority measures to ensure the sustainable development of the economy and social stability in 2015, approved by the Order of the Government of the Russian Federation of January 27, 2015 N 98-P, the Government of the Russian Federation decides:

1. To approve the attached main conditions for the implementation of a program for assistance to certain categories of borrowers on mortgage housing loans (loans), which found themselves in a difficult financial situation.

Change information:

Decree of the Government of the Russian Federation of December 7, 2015 N 1331 amended Claim 2

2. To the Ministry of Construction and Housing and Communal Services of the Russian Federation to send the Joint-Stock Company "Agency for Mortgage Housing Lending" in the prescribed manner of the federal budget in the amount of 4.5 billion rubles provided for in the Federal Law "On the Federal Budget for 2015 and on the planned The period of 2016 and 2017, ", as a contribution to the authorized capital of the Joint-Stock Company" Agency for Mortgage Housing Lending ", to implement a program for assistance to certain categories of borrowers on mortgage housing loans (loans), which founded in a complex financial situation.

Change information:

Decree of the Government of the Russian Federation of December 7, 2015 N 1331 amended Claim 3

3. Federal State Property Management Agency to ensure in the prescribed manner an increase in the authorized capital of the Joint-Stock Company Agency "Mortgage Housing Housing Agency" by 4.5 billion rubles by placing additional shares and implement actions related to the acquisition of these shares and the design of ownership In accordance with the Trilateral Treaty between the Ministry of Construction and Housing and Communal Services of the Russian Federation, the Federal Agency for State Property Management and Joint-Stock Company "Agency for Mortgage Housing Lending".

Change information:

Decree of the Government of the Russian Federation of December 7, 2015 N 1331 Resolution is supplemented by clause 3.1

3.1. Allow the Joint-Stock Company "Agency for Mortgage Housing Lending":

• use funds obtained in accordance with paragraph 2 of this Resolution, on the purpose of compensation for incomplete income or losses (their parts) on mortgage housing loans (loans), the rights of the requirements for which the Joint-Stock Company "Mortgage Housing Agency" and the restructuring of which was carried out In accordance with the main conditions approved by this Resolution, the main conditions for the implementation of the Assistance Program for certain categories of borrowers on mortgage housing loans (loans), which found themselves in a difficult financial situation (hereinafter referred to as the Program);
• post temporarily free cash obtained on the purpose of the program implementation in state securities (bonds of the federal loan) and (or) into bank deposits, the list of which is determined by the Supervisory Board of the Joint-Stock Company "Mortgage Housing Agency", and use the placement received from their placement Income on the financing of the program and compensation for their operating expenses related to the implementation of the program, the list of which is determined by the Supervisory Board of the Joint-Stock Company "Agency for Mortgage Housing Lending".

4. Subparagraph "in" of clause 2 of the basic conditions for the implementation of the Program approved by this Resolution comes into force on July 1, 2015

The main conditions for the implementation of the program of assistance to certain categories of borrowers on mortgage housing loans (loans), which found themselves in a difficult financial situation:

1. The main conditions for the implementation of a program of assistance to certain categories of borrowers for mortgage housing loans (loans), which found themselves in a difficult financial situation (hereinafter referred to as the program), determine the conditions for restructuring mortgage housing loans (loans) for certain categories of borrowers who found out in a complex financial situation, and Also, the conditions for compensation for creditors (lending) on \u200b\u200bmortgage housing loans (loans) and joint-stock companies "Mortgage Housing Agency" on loans (borrowings), the rights of the requirements for which this society, affected income or losses (their parts) arising from carrying out such restructuring (hereinafter referred to as losses, lender, borrower, compensation, restructuring).

2. The procedure for payment of compensation is determined by the Joint-Stock Company "Agency of Mortgage Housing Lending" and is published on its official website in the information telecommunications network "Internet".

3. Reimbursement is subject to creditor losses for each mortgage housing loan (loan), restructured in accordance with this document, in the amount of which, as a result of restructuring in cases provided for by sub-clause "G" of paragraph 9 of this document, reduced the amount of monetary obligations of the loan borrower Agreement (loan agreement), but not more than the limit amount of reimbursement specified in paragraph 6 of this document.

4. The restructuring is carried out by a creditor decision on the basis of a statement on the restructuring submitted by the borrower (at the same time solidarial debtors) to the lender (hereinafter referred to as a statement of restructuring).

Restructuring can be carried out as by concluding a creditor and a borrower (solidarized debtors) Agreement on the change in the conditions of the previously concluded loan agreement (loan agreement) and by concluding a new loan agreement (loan agreement) on the purpose of full repayment of debt on the restructured mortgage housing loan (loan) (hereinafter referred to as the restructuring agreement).

5. The total amount of compensation payments under the program at the expense of the federal budget may not exceed 4.5 billion rubles. This amount can be increased on the size of the positive balance of revenues from the placement of the Agency for Mortgage Housing Lending "of temporarily free funds to government securities (bonds of a federal loan) and (or) into deposits of banks and operating expenses related to the implementation of the Program.

6. The maximum amount of compensation for each restructured mortgage housing loan (loan) is 10 percent of the balance of the loan amount (loan), designed to conclude a restructuring agreement, but not more than 600 thousand rubles.

7. A prisoner loan agreement (a loan agreement) on the date of submission of a restructuring application must be responsible at the same time as follows:

a) the borrower (solidarial debtors) is a citizen of the Russian Federation relating to one of the following categories:

citizens having one or more minor children;

citizens who are guardians (trustees) of one or more juvenile children;

citizens who are veterans of hostilities;

citizens who are disabled or having children with disabilities;

b) change in the income of the borrower (solidarial debtors):

the average monthly income of the borrower (solidarial debtors), calculated in 3 months preceding the date of submission of the restructuring declaration, decreased by at least 30 percent compared to the average monthly income of the borrower (solidarial debtors), calculated for 3 months preceding the date of concluding a loan agreement (contract loan), or the size of the planned monthly loan payment (loan), designed for the date of submission of the restructuring application (in the ruble equivalent at the rate of the relevant currency established by the Central Bank of the Russian Federation to the same date), increased by at least 30 percent compared with the size of a planned monthly payment calculated on the date of concluding a loan agreement (loan agreement);

the average monthly cumulative income of the borrower's family (solidarial debtors), calculated in 3 months, preceding the date of submission of the application for restructuring, after deducting the planned monthly loan payment (loan), designed to submit the application for restructuring, does not exceed each member of the borrower's family (solidarity The debtor) of the two-time minimum of the subsistence minimum established in the constituent entities of the Russian Federation in which persons live, the incomes of which were taken into account in the calculation. At the same time, the average monthly cumulative income of the borrower's family (solidarial debtors) in the settlement period is equal to the amount of average monthly income of the borrower (solidarial debtors) and members of his family, to which the borrower (solidarized debtor) and minor children are among the purposes of this document. numbers under their care or guardianship;

c) ensuring the fulfillment of the obligations of the borrower under the loan agreement (loan agreement) is the mortgage of the residential premises located in the territory of the Russian Federation, or the guarantee of the rights of the requirements arising from the Treaty of Participation in the Share Construction, which meets the requirements of the Federal Law "On participation in the shared construction of apartment buildings and other real estate objects and the amendments to some legislative acts of the Russian Federation "(hereinafter referred to as a contract of equity);

d) a residential premises, including a residential premises, the right of claim to follow from the contract of shared participation, the mortgage of which is to ensure the fulfillment of the obligations of the borrower under the loan agreement (loan agreement):

the total area does not exceed: 45 square meters. meters - for room with 1 residential room; 65 sq. M. meters - for premises with 2 living rooms; 85 sq. M. meters - for premises with 3 or more residential rooms;

at the cost of 1 square. The meter of the total area does not exceed more than 60 percent of the cost of 1 square. the meter of the total area of \u200b\u200bthe model apartment for the primary or secondary housing market (respectively) in the subject of the Russian Federation, which contains a residential premises, determined according to the Federal State Statistics Service at the date of concluding a loan agreement (loan agreement);

e) a residential premises, including a residential premises, the right of claim to follow from the contract of shared participation, the mortgage of which is to ensure the fulfillment of obligations under the loan agreement (a loan agreement), is the only housing of the pledger. At the same time, the aggregate share of the pledger and his family members are on ownership of other residential premises in the amount of no more than 50 percent in each of these other residential premises;

(e) The loan agreement (loan agreement) as of the date of submission of the application for restructuring should be valid at least 12 months.

8. The requirements provided for by subparagraph "g" of paragraph 7 of this document are not presented if the pledger has 3 or more minor children.

9. The following conditions should be provided for the restructuring agreement:

a) change in the currency of the loan (loan) with foreign currency on the rubles of the Russian Federation at the rate not higher than the course of the relevant currency established by the Central Bank of the Russian Federation at the date of concluding a restructuring agreement - for loans (loans) issued in foreign currency;

b) setting the size of the loan rate for the entire loan period (loan) not higher than 12 percent of the annual (for loans (loans) previously issued in foreign currency) or not higher rates acting on the date of the conclusion of the restructuring agreement - for loans (loans) previously issued in the rubles of the Russian Federation. The increase in lending rate is possible only in case of violation by the borrower of the conditions or terms of concluding insurance agreements provided for by the loan agreement (loan agreement) concluded before restructuring;

c) in case of an agreement on the restructuring of the aid period, the duration of which cannot exceed 18 months, is a decrease in the monthly payment for a period of assistance at least 50 percent of the amount of the planned payment calculated on the date of the conclusion of the restructuring agreement (in the ruble equivalent at the rate of the relevant Currencies established by the Central Bank of the Russian Federation at the date of concluding a restructuring agreement), due to:

reduction for the period of assistance rate of lending in accordance with subparagraph "g" of this clause;

transfer to the later periods of payments to return the loan amount (loan) and (or) interest accrued during the Assistance period;

d) a decline in the monetary obligations of the borrower (solidarial debtors) in the amount of no less limit amount of reimbursement established by paragraph 6 of this document, due to:

changes in the currency of the loan (loan) with foreign currency on the rubles of the Russian Federation at the rate below the course of the relevant currency established by the Central Bank of the Russian Federation at the date of concluding a restructuring agreement;

one-time forgiveness of part of the loan amount (loan);

reduced for the period of assistance specified in subparagraph "in" of this item, lending rates.

10. The volume of decline in the monetary obligations of the borrower (solidarial debtors) (V) in the case of the fourth paragraph of subparagraph "G" of paragraph 9 of this document is calculated by the formula:

where:

The amount of interest accrued for the help period;

n is the number of months of the borrower's aid;

p is the interest rate set by the loan (loan) after the completion of the assistance period with compliance with the requirements provided for by subparagraph "b" of paragraph 9 of this document;

PI - the interest rate set by the loan (loan) for a period of assistance.

11. When concluding a restructuring agreement, a reduction in mortgage housing loans (loans) is not allowed.

When restructuring, the creditor is not allowed from the borrower (solidarial debtors) of the Commission for the actions related to the restructuring. "

The priority measures to ensure sustainable development of the economy and social stability in 2015, approved by the Order of the Government of the Russian Federation of January 27, 2015 N 98-P, the Government of the Russian Federation decides:

1. To approve the attached main conditions for the implementation of a program for assistance to certain categories of borrowers on mortgage housing loans (loans), which found themselves in a difficult financial situation.

2. To the Ministry of Construction and Housing and Communal Services of the Russian Federation to send the Joint-Stock Company "Agency for Mortgage Housing Lending" in the prescribed manner of the federal budget in the amount of 4.5 billion rubles provided for in the Federal Law "On the Federal Budget for 2015 and on the planned The period of 2016 and 2017, ", as a contribution to the authorized capital of the Joint-Stock Company" Agency for Mortgage Housing Lending ", to implement a program for assistance to certain categories of borrowers on mortgage housing loans (loans), which founded in a complex financial situation.

3. Federal State Property Management Agency to ensure in the prescribed manner an increase in the authorized capital of the Joint-Stock Company Agency "Mortgage Housing Housing Agency" by 4.5 billion rubles by placing additional shares and implement actions related to the acquisition of these shares and the design of ownership In accordance with the Trilateral Treaty between the Ministry of Construction and Housing and Communal Services of the Russian Federation, the Federal Agency for State Property Management and Joint-Stock Company "Agency for Mortgage Housing Lending".

3 (1). Allow Joint-Stock Company "Agency of Mortgage Housing Lending":

Use funds obtained in accordance with clause 2 of this Resolution, on the purpose of compensation for lost income or losses (their parts) to creditors (lenders) on mortgage housing loans (borrowings), mortgage agents operating in accordance with the Federal Law "On Mortgage Centers paper ", on mortgage housing loans (loans), the rights of the requirements for which mortgage agents and the joint-stock company" Mortgage Housing Lending Agency "on mortgage housing loans (loans), the rights of which are acquired by this society, in case the specified mortgages Housing loans (loans) are restructured in accordance with the main conditions approved by this Resolution, the implementation of the program for assistance to certain categories of mortgage-housing loans (loans), which found themselves in a difficult financial situation (hereinafter referred to as the Program);

Post temporarily free cash obtained on the purpose of the program implementation, in accordance with the legislation of the Russian Federation and use the income received from their placement to finance the program and compensation for their operating expenses related to the implementation of the program, the list of which is determined by the Supervisory Board of the Joint Stock Company "Mortgage Housing Agency lending. "

4. I lost strength. - Government of the Russian Federation of 24.11.2016 N 1231.

Chairman of the government

Russian Federation

D.Medvedev

The main conditions for the implementation of the program of assistance to certain categories of borrowers on mortgage housing loans (loans), which found themselves in a difficult financial situation

Approved

decree of Government

Russian Federation

Basic conditions

For mortgage housing loans (loans)

In a difficult financial situation

1. (hereinafter referred to as the program), determine the conditions for the restructuring of mortgage housing loans (loans) for certain categories of borrowers, which found themselves in a complex financial situation, as well as the conditions for compensation for creditors (lenders) on mortgage housing loans (borrowings), mortgage agents operating in activities in In accordance with the Federal Law "On Mortgage Securities", in mortgage housing loans (loans), the rights of which are acquired by mortgage agents, and the Joint-Stock Company "Houserf" on mortgage housing loans (loans), the rights of which are acquired by this society , losses (their parts) arising from such restructuring (hereinafter referred to as the creditor, borrower, compensation, restructuring).

2. Reimbursement within the framework of the program is carried out by one-time mortgage housing loans (loans), restructured in accordance with this document, in accordance with the procedure established by the Joint-Stock Company "Houserf", published on its official website in the information and telecommunication network "Internet", with By consideration of the provisions of paragraph 5 (1) of this document.

3. The compensation is subject to losses (their part) of the lender for each mortgage housing loan (loan), restructured in accordance with this document, in the amount of which, as a result of restructuring in cases provided for by sub-clause "in" of paragraph 10 of this document, reduced the amount of cash obligations of the borrower under the loan agreement (loan agreement), but not more than the limit amount of reimbursement established by paragraph 6, taking into account paragraph 7 of this document.

4. Reimbursement under the program is carried out within the funds provided for the implementation of the Program.

5. Restructuring is carried out on the basis of a creditor decision on the restructuring application provided to the Borrower to the lender (hereinafter referred to as a statement on restructuring).

Restructuring can be carried out by concluding a creditor and borrower (solidarial debtors) Agreement on the change in the conditions of the previously concluded loan agreement (loan agreement), the conclusion of a new loan agreement (loan agreement) on the purpose of full repayment of debt on the restructured mortgage housing loan (loan), the conclusion of the settlement agreement (hereinafter referred to as the restructuring agreement). The terms of the restructuring agreement must comply with the requirements established by paragraph 10 of this document.

5 (1). In the event that the procedure specified in paragraph 2 of this document established by the Joint-Stock Company "Dom.rf" is established by the creditor to the Joint-Stock Company Dom.rf statements about the compensation of losses (their parts) arising from the restructuring of mortgage housing loans (loans) In accordance with the terms of the program, and documents confirming the observance of the conditions provided for by paragraph 8 of this document, such a statement and documents may be considered and the decision on them can be accepted by the Joint-Stock Company Dom.rf only in case of their admission to the joint stock company "House .Rf "no later than October 31, 2019

6. The maximum amount of compensation for each restructured mortgage housing loan (loan) is 30 percent of the balance of the loan amount (loan), designed to conclude a restructuring agreement, but not more than 1500 thousand rubles, with the exception of the cases provided for in paragraph 7 of this document.

7. In accordance with the decision of the Interdepartmental Commission for making decisions on compensation to creditors (lenders) on mortgage housing loans (loans), mortgage agents operating in accordance with the Federal Law "On Mortgage Securities", in mortgage housing loans (loans), The requirements of which are acquired by mortgage agents, and the Joint-Stock Company "Dom.rf" on mortgage housing loans (loans), the rights of which are acquired by this society, losses (their parts), which arose as a result of the restructuring of mortgage housing loans (loans) in accordance With the terms of the program (hereinafter - the Interdepartmental Commission), the maximum amount of compensation for each restructured mortgage housing loan (loan) on the basis of the relevant address of the creditor to the interdepartmental commission may be increased, but no more than 2 times, in the manner prescribed by the Regulations on the Interdepartmental Commission .

8. Unless otherwise provided by this document, as of the date of submission of a restructuring application, the following conditions must be followed simultaneously:

A) the borrower (solidarial debtors) is a citizen of the Russian Federation relating to one of the following categories:

Citizens who have one or more minor children or are guardians (trustees) of one or more minor children;

Citizens who are disabled or having children with disabilities;

Citizens who are veterans of hostilities;

Citizens, on the dependent of which are faces under the age of 24 years, who are students, students (cadets), graduate students, adjunctions, alternators, interns-interns, interns and studying for full-time learning;

B) a change in the financial situation of the borrower (solidarial debtors) - the average monthly cumulative income of the borrower's family (solidarial debtors), calculated in 3 months preceding the date of submission of a restructuring application, after deducting the size of the planned monthly loan payment (loan) calculated for the date preceding The date of submission of a restructuring application does not exceed each member of the borrower's family (solidarial debtor) of the double size of the subsistence minimum established in the constituent entities of the Russian Federation, in whose territory the persons live, the incomes of which were taken into account in the calculation. At the same time, the average monthly cumulative income of the borrower's family (solidarial debtors) in the settlement period is equal to the amount of average monthly income of the borrower (solidarial debtors) and members of his family, to which the borrower (solidarial debtor) and its minor children are for the purposes of this subparagraph) including under its care or guardianship, as well as the persons listed in paragraph Fifth subparagraph "A" of this paragraph, and the size of the planned monthly loan payment (loan) designed for the date preceding the date of submission of the application for restructuring increased not less than by 30 percent compared with the size of a planned monthly payment calculated on the date of concluding a loan agreement (loan agreement);

C) ensuring the fulfillment of the obligations of the borrower under the loan agreement (loan agreement) is the mortgage of the residential premises located in the Russian Federation, or the guarantee of the rights of the requirements for such a living space arising from the Treaty of Participation in the Share Construction, which meets the requirements of the Federal Law "On Participation in Shave construction of apartment buildings and other real estate objects and the amendments to some legislative acts of the Russian Federation "(hereinafter referred to as a contract of participation in shared construction);

D) the total area of \u200b\u200bresidential premises, including residential premises, the right of claim for which it follows from the Treaty of Participation in Share Construction, the mortgage of which is to ensure the fulfillment of the obligations of the borrower under the loan agreement (the loan agreement) does not exceed 45 square meters. meters - for premises with 1 residential room, 65 sq. M. meters - for room with 2 living rooms, 85 square meters. meters - for premises with 3 or more residential rooms;

E) a residential premises, including a residential premises, the right of claim to participate from the Treaty of Participation in Share Construction, a mortgage of which is to ensure the fulfillment of the obligations of the borrower under the loan agreement (a loan agreement) is (will be) the only housing of the pledger. At the same time, in the period, starting from the date of entry into force of the Decree of the Government of the Russian Federation of April 20, 2015 No. 373 "On the basic conditions for the implementation of a program for assistance to certain categories of borrowers on mortgage housing loans (loans), which found themselves in a complex financial situation, and an increase in the statutory The capital of the Joint-Stock Company "Dom.rf" on the date of submission by the Borrower of the Statement of Restructuring is allowed to have the aggregate share of the pledger and his family members in the right of ownership of no more than 1 other residential premises in the amount of no more than 50 percent. For the purposes of this subclause to family members The pledger belongs to the spouse (spouse) of the pledger and its minor children, including those under his care or guardianship. Compliance with these conditions is confirmed by the borrowing statement in a simple writing. Presentation of a borrower of information from a single state register of real estate is not required. Joint stock company "House.rf "Carries out the checker ku provided in accordance with the present subparagraph a borrower of information;

E) a loan agreement (loan agreement) was concluded at least 12 months before the date of submission of a borrower of the restructuring statement, except if the mortgage loan (loan) is provided on the purpose of full repayment of the mortgage housing debt (loan) granted than 12 months before the date of submission by the borrower of the restructuring statement.

9. In case of non-compliance with no more than two conditions provided for in paragraph 8 of this document, the payment of compensation under the program is allowed in accordance with the decision of the Interdepartmental Commission in the manner prescribed by the Regulations on the Interdepartmental Commission.

10. The restructuring agreement should be provided simultaneously the following conditions:

A) a change in the currency of the loan (loan) with foreign currency to the Russian rubles at the rate not higher than the course of the relevant currency established by the Central Bank of the Russian Federation as of the date of concluding a restructuring agreement (for loans (loans) nominated in foreign currency);

B) setting the size of the lending rate not higher than 11.5 percent of the annual (for loans (loans) nominated in foreign currency) or not above the rate acting on the date of the conclusion of the restructuring agreement (for loans (loans) nominated in Russian rubles);

C) Reducing the monetary obligations of the borrower (solidarial debtors) in the amount of a no less limit amount of reimbursement established by paragraph 6, taking into account paragraph 7 of this document, due to the one-time forgiveness of the part of the loan amount (loan) and (or) changes in the loan currency (loan) with foreign Currencies on the Russian rubles at the rate below the course of the relevant currency established by the Central Bank of the Russian Federation at the date of concluding a restructuring agreement (for loans (loans) nominated in foreign currency);

D) the liberation of the borrower (solidarial debtors) from the payment of a penalty accrued under the terms of the loan agreement (loan agreement), with the exception of a penalty actually paid by the borrower (solidarial debtors) and (or) for the court decision on the legitimate force.

11. When concluding a restructuring agreement, a reduction in the deadlines of mortgage housing loans (loans) and (or) charges with the lender from the borrower (solidarial debtors) of the Commission for actions related to restructuring are allowed.

12. All calculations within the framework of the program are carried out in Russian rubles at the rate of the relevant currency established by the Central Bank of the Russian Federation at the date of the conclusion of the restructuring agreement (for loans (loans) nominated in foreign currency).

Government of the Russian Federation

Decision

Government of the Russian Federation

decides:

Approve the accompanying changes that are made to the Decree of the Government of the Russian Federation dated April 20, 2015 N 373 "On the main conditions for the implementation of a program for assistance to certain categories of borrowers on mortgage housing loans (loans), which found themselves in a complex financial situation, and an increase in the authorized capital of the Open Joint Stock Company" Mortgage Housing Agency "(Meeting of the legislation of the Russian Federation, 2015, N 17, Article 2567; N 30, Article 4598).

Chairman of the government
Russian Federation
D.Medvedev

Changes that are entered into the Decree of the Government of the Russian Federation of April 20, 2015 N 373

Approved
decree of Government
Russian Federation
dated December 7, 2015 N 1331

1. In the ruling:

a) in the name, paragraphs 2 and the word "open" in the appropriate case;

b) supplement paragraph 3_1 of the following content:

"3_1. Allow the Joint-Stock Company" Agency for Mortgage Housing Lending ":

use funds obtained in accordance with paragraph 2 of this Resolution, on the purpose of compensation for incomplete income or losses (their parts) on mortgage housing loans (loans), the rights of the requirements for which the Joint-Stock Company "Mortgage Housing Agency" and the restructuring of which was carried out In accordance with the main conditions approved by this Resolution, the main conditions for the implementation of the Assistance Program for certain categories of borrowers on mortgage housing loans (loans), which found themselves in a difficult financial situation (hereinafter referred to as the Program);

post temporarily free cash obtained on the purpose of the program implementation in state securities (bonds of the federal loan) and (or) into bank deposits, the list of which is determined by the Supervisory Board of the Joint-Stock Company "Mortgage Housing Agency", and use the placement received from their placement Income to finance the program and compensation for their operating expenses related to the implementation of the program, the list of which is determined by the Supervisory Board of the Joint-Stock Company Agency "Agency for Mortgage Housing Lending.".

2. To state the main conditions for the implementation of the program of assistance to certain categories of borrowers on mortgage housing loans (loans), which found themselves in a difficult financial situation as follows:

"Approved
decree of Government
Russian Federation
from April 20, 2015 N 373
(as amended by the Resolution
Government of the Russian Federation
dated December 7, 2015 N 1331)

The main conditions for the implementation of the program of assistance to certain categories of borrowers on mortgage housing loans (loans), which found themselves in a difficult financial situation

1. The main conditions for the implementation of a program of assistance to certain categories of borrowers for mortgage housing loans (loans), which found themselves in a difficult financial situation (hereinafter referred to as the program), determine the conditions for restructuring mortgage housing loans (loans) for certain categories of borrowers who found out in a complex financial situation, and Also, the conditions for compensation to creditors (lenders) on mortgage housing loans (loans) and joint-stock companies "Mortgage Housing Loans" on loans (loans), the rights of the requirements for which this society, affected income or losses (their parts) arising from carrying out such restructuring (hereinafter referred to as losses, lender, borrower, compensation, restructuring).

2. The procedure for payment of compensation is determined by the Joint-Stock Company "Agency of Mortgage Housing Lending" and is published on its official website in the information telecommunications network "Internet".

3. Reimbursement is subject to creditor losses for each mortgage housing loan (loan), restructured in accordance with this document, in the amount of which, as a result of restructuring in cases provided for by sub-clause "G" of paragraph 9 of this document, reduced the amount of monetary obligations of the loan borrower Agreement (loan agreement), but not more than the limit amount of reimbursement specified in paragraph 6 of this document.

4. The restructuring is carried out by a creditor decision on the basis of a statement on the restructuring submitted by the borrower (at the same time solidarial debtors) to the lender (hereinafter referred to as a statement of restructuring).

Restructuring can be carried out as by concluding a creditor and a borrower (solidarized debtors) Agreement on the change in the conditions of the previously concluded loan agreement (loan agreement) and by concluding a new loan agreement (loan agreement) on the purpose of full repayment of debt on the restructured mortgage housing loan (loan) (hereinafter referred to as the restructuring agreement).

5. The total amount of compensation payments under the program at the expense of the federal budget may not exceed 4.5 billion rubles. This amount can be increased on the size of the positive balance of revenues from the placement of the Agency for Mortgage Housing Lending "of temporarily free funds to government securities (bonds of a federal loan) and (or) into deposits of banks and operating expenses related to the implementation of the Program.

6. The maximum amount of compensation for each restructured mortgage housing loan (loan) is 10 percent of the balance of the loan amount (loan), designed to conclude a restructuring agreement, but not more than 600 thousand rubles.

7. A prisoner loan agreement (a loan agreement) on the date of submission of a restructuring application must be responsible at the same time as follows:

a) the borrower (solidarial debtors) is a citizen of the Russian Federation relating to one of the following categories:

citizens having one or more minor children;

citizens who are guardians (trustees) of one or more juvenile children;

citizens who are veterans of hostilities;

citizens who are disabled or having children with disabilities;

b) change in the income of the borrower (solidarial debtors):

the average monthly income of the borrower (solidarial debtors), calculated in 3 months preceding the date of submission of the restructuring declaration, decreased by at least 30 percent compared to the average monthly income of the borrower (solidarial debtors), calculated for 3 months preceding the date of concluding a loan agreement (contract loan), or the size of the planned monthly loan payment (loan), designed for the date of submission of the restructuring application (in the ruble equivalent at the rate of the relevant currency established by the Central Bank of the Russian Federation to the same date), increased by at least 30 percent compared with the size of a planned monthly payment calculated on the date of concluding a loan agreement (loan agreement);

the average monthly cumulative income of the borrower's family (solidarial debtors), calculated in 3 months, preceding the date of submission of the application for restructuring, after deducting the planned monthly loan payment (loan), designed to submit the application for restructuring, does not exceed each member of the borrower's family (solidarity The debtor) of the two-time minimum of the subsistence minimum established in the constituent entities of the Russian Federation in which persons live, the incomes of which were taken into account in the calculation. At the same time, the average monthly cumulative income of the borrower's family (solidarial debtors) in the settlement period is equal to the amount of average monthly income of the borrower (solidarial debtors) and members of his family, to which the borrower (solidarized debtor) and minor children are among the purposes of this document. numbers under their care or guardianship;

c) ensuring the fulfillment of the obligations of the borrower under the loan agreement (loan agreement) is the mortgage of the residential premises located in the territory of the Russian Federation, or the guarantee of the rights of the requirements arising from the Treaty of Participation in the Share Construction, which meets the requirements of the Federal Law "On participation in the shared construction of apartment buildings and other real estate objects and the amendments to some legislative acts of the Russian Federation "(hereinafter referred to as a contract of equity);

d) a residential premises, including a residential premises, the right of claim to follow from the contract of shared participation, the mortgage of which is to ensure the fulfillment of the obligations of the borrower under the loan agreement (loan agreement):

the total area does not exceed: 45 square meters. meters - for room with 1 residential room; 65 sq. M. meters - for premises with 2 living rooms; 85 sq. M. meters - for premises with 3 or more residential rooms;

at the cost of 1 square. The meter of the total area does not exceed more than 60 percent of the cost of 1 square. the meter of the total area of \u200b\u200bthe model apartment for the primary or secondary housing market (respectively) in the subject of the Russian Federation, which contains a residential premises, determined according to the Federal State Statistics Service at the date of concluding a loan agreement (loan agreement);

e) a residential premises, including a residential premises, the right of claim to follow from the contract of shared participation, the mortgage of which is to ensure the fulfillment of obligations under the loan agreement (a loan agreement), is the only housing of the pledger. At the same time, the aggregate share of the pledger and his family members are on ownership of other residential premises in the amount of no more than 50 percent in each of these other residential premises;

(e) The loan agreement (loan agreement) as of the date of submission of the application for restructuring should be valid at least 12 months.

8. The requirements provided for by subparagraph "g" of paragraph 7 of this document are not presented if the pledger has 3 or more minor children.

9. The following conditions should be provided for the restructuring agreement:

a) change in the currency of the loan (loan) with foreign currency on the rubles of the Russian Federation at the rate not higher than the course of the relevant currency established by the Central Bank of the Russian Federation at the date of concluding a restructuring agreement - for loans (loans) issued in foreign currency;

b) setting the size of the loan rate for the entire loan period (loan) not higher than 12 percent of the annual (for loans (loans) previously issued in foreign currency) or not higher rates acting on the date of the conclusion of the restructuring agreement - for loans (loans) previously issued in the rubles of the Russian Federation. The increase in lending rate is possible only in case of violation by the borrower of the conditions or terms of concluding insurance agreements provided for by the loan agreement (loan agreement) concluded before restructuring;

c) in case of an agreement on the restructuring of the aid period, the duration of which cannot exceed 18 months, is a decrease in the monthly payment for a period of assistance at least 50 percent of the amount of the planned payment calculated on the date of the conclusion of the restructuring agreement (in the ruble equivalent at the rate of the relevant Currencies established by the Central Bank of the Russian Federation at the date of concluding a restructuring agreement), due to:

reduction for the period of assistance rate of lending in accordance with subparagraph "g" of this clause;

transfer to the later periods of payments to return the loan amount (loan) and (or) interest accrued during the Assistance period;

d) a decline in the monetary obligations of the borrower (solidarial debtors) in the amount of no less limit amount of reimbursement established by paragraph 6 of this document, due to:

changes in the currency of the loan (loan) with foreign currency on the rubles of the Russian Federation at the rate below the course of the relevant currency established by the Central Bank of the Russian Federation at the date of concluding a restructuring agreement;

one-time forgiveness of part of the loan amount (loan);

reduced for the period of assistance specified in subparagraph "in" of this item, lending rates.

10. The volume of decline in the monetary obligations of the borrower (solidarial debtors) (V) in the case of the fourth paragraph of subparagraph "G" of paragraph 9 of this document is calculated by the formula:

where:

- the amount of interest accrued for the aid period;

n is the number of months of the borrower's aid;

p is the interest rate set on a loan (loan) after the completion of the assistance period is completed in compliance with the requirements provided for by subparagraph "b" of paragraph 9 of this document;

- The interest rate set on the loan (loan) for a period of assistance.

11. When concluding a restructuring agreement, a reduction in mortgage housing loans (loans) is not allowed.

In restructuring, the creditor is not allowed from the borrower (solidarial debtors) of the Commission for actions related to restructuring. ".

Electronic document text
prepared JSC Codex and cooked by

Government of the Russian Federation

"On the basic conditions for implementing a program of assistance to certain categories of borrowers on mortgage housing loans (loans), which found themselves in a complex financial situation, and an increase in the authorized capital of the Open Joint Stock Company" Agency for Mortgage Housing Lending "(April 20, 2015) Plus Consultant

In order to implement the plan for priority measures to ensure the sustainable development of the economy and social stability in 2015, approved by the Order of the Government of the Russian Federation of January 27, 2015 N 98-P, the Government of the Russian Federation decides:

1. To approve the attached main conditions for the implementation of a program for assistance to certain categories of borrowers on mortgage housing loans (loans), which found themselves in a difficult financial situation.

2. To the Ministry of Construction and Housing and Communal Services of the Russian Federation to send the Federal Budget for the Federal State Property Management Agency in the prescribed manner, provided for in the Federal Law "On the Federal Budget for 2015 and for the planning period 2016 and 2017, ", as a contribution to the authorized capital of the Open Joint-Stock Company" Agency for Mortgage Housing Lending "to implement a program for assistance to certain categories of borrowers on mortgage housing loans (loans), which found themselves in a difficult financial situation.

3. Federal State Property Management Agency to ensure in the prescribed manner of the authorized capital of the Open Joint Stock Company "Agency for Mortgage Housing Lending" by 4.5 billion rubles by placing additional shares and implement actions related to the acquisition of these shares and the execution of rights on them property of the Russian Federation.

4. Subparagraph "in" of clause 2 of the basic conditions for the implementation of the Program approved by this Resolution comes into force on July 1, 2015

Chairman of the government

Russian Federation

D.Medvedev

Approved

decree of Government

Russian Federation

Basic conditions
Implementing a helping program to individual categories
Mortgage borrowers for mortgage housing loans (loans),
Found in a difficult financial situation

1. Borrowers on a mortgage housing loan (loan) (hereinafter - borrowers) are citizens, at least one of which belongs to one of the following categories:

(a) Citizens of the Russian Federation, which, as of January 1, 2015, in accordance with the legislation of the Russian Federation, the legislation of the constituent entities of the Russian Federation and (or) the municipal legal acts are parties to state or municipal programs to improve housing conditions, other activities to improve housing conditions and which took advantage of the right to receive social benefits (subsidies) and other benefits for the acquisition (construction) of residential premises at the expense of the federal budget, the budget of the subject of the Russian Federation and (or) of the municipal budget using the mortgage loan to be restructuring (loan);

b) citizens of the Russian Federation, having 2 minor children or more;

c) Citizens of the Russian Federation, having 1 child and more, while the age of each spouse or one parent in an incomplete family does not exceed 35 years;

d) citizens of the Russian Federation, which are veterans of hostilities;

e) citizens of the Russian Federation who are disabled and (or) having children with disabilities;

(e) Citizens of the Russian Federation, for whom, as of January 1, 2015, work in the state authorities of the Russian Federation, the state authorities of the constituent entities of the Russian Federation or local governments is the main job and experience of which is at least 1 year;

g) citizens of the Russian Federation, for whom, as of January 1, 2015, work in state and municipal institutions, which are scientific organizations or organizations of scientific services, as scientists, specialists of the scientific organization or employees of the sphere of scientific services, as well as in state and Municipal educational organizations, state and municipal health institutions, culture, social protection, employment, physical culture and sports are the main job of the work and the experience of which is at least 1 year;

h) Citizens of the Russian Federation, for whom, as of January 1, 2015, work in the city-forming organizations, including those belonging to the scientific and production complexes of the Sciences, regardless of the organizational and legal form of such organizations is the main job of the work and the experience of which is at least 1 year;

and) citizens of the Russian Federation, for whom, as of January 1, 2015, work in the organizations of the defense and industrial complex included in the procedure established by the Government of the Russian Federation into the consolidated register of organizations of the defense and industrial complex, regardless of the organizational and legal form of such organizations is the main work and experience of which is at least 1 year;

k) citizens of the Russian Federation, for whom, as of January 1, 2015, work in scientific organizations, which the Government of the Russian Federation assigned the status of state scientific centers, regardless of the organizational and legal form of such organizations is the main job of the work and the experience of which is not less than 1 year;

l) Citizens of the Russian Federation, for whom, as of January 1, 2015, work in organizations created by the State Academy of Sciences (except for the organizations of the social sphere) is the main job and experience of which is at least 1 year;

m) Citizens of the Russian Federation, for whom, as of January 1, 2015, work in state unitary enterprises, which are scientific organizations or organizations of scientific services, carrying out scientific, scientific and technical, innovative activities, experimental development, testing, training for priority areas The development of science, technology and technology in the Russian Federation, approved by the Decree of the President of the Russian Federation of July 7, 2011 N 899 "On approval of priority areas for the development of science, technologies and technology in the Russian Federation and the List of Critical Technologies of the Russian Federation" is the main place of work and The experience of which is at least 1 year;

n) Citizens of the Russian Federation, for whom, as of January 1, 2015, work in organizations - participating in programs for the development of pilot innovative territorial clusters implemented in the territories of the constituent entities of the Russian Federation in accordance with the annex to the rules of the distribution and granting subsidies from the federal budget to the budgets of the subjects of the Russian The federations for the implementation of activities stipulated by the development of pilot innovative territorial clusters, approved by Decree of the Government of the Russian Federation of March 6, 2013 N 188 "On approval of the rules for the distribution and granting subsidies from the federal budget to the budgets of the constituent entities of the Russian Federation for the implementation of activities provided for by the development of pilot innovative programs Territorial clusters "is the main job of the work and the experience of which is at least 1 year.

2. In order to implement the assistance program, borrowers establishes the following requirements for borrowers:

and living together with a borrower, more than 30 percent compared to the average monthly over the past 12 months before the day of submission to the restructuring of the cumulative income of these persons or an increase of more than 30 percent in the currency of the Russian Federation of the Mortgage Housing Loan (Loam) on the date submission of an application for restructuring compared with monthly payment in September 2014;

b) at the date of appeal to the borrower to the lender (lender) with the application for restructuring the total income specified in the subparagraph "A" of this clause (minus payment on a mortgage loan) divided by the number of persons specified in subparagraph of this paragraph below The values \u200b\u200bof the subsistence minimum established in the subject of the Russian Federation, in which the borrower lives;

ConsultantPlus: Note.

c) There are no information about the recognition by the court of an application for the recognition of the borrower (mortitator) bankrupt to the substantiated and introducing the procedure for the restructuring of its debts.

3. In order to implement the assistance program, borrowers establishes the following mortgage requirements:

a) the subject of the mortgage is located in the territory of the Russian Federation;

b) The mortgage object refers to one of the following categories:

a residential premises acquired for a borrower and family members of the borrower specified in subparagraph "A" of paragraph 2 of this document. If the mortgage is a residential premises, the cumulative share of the borrower and his family members specified in subparagraph "A" of clause 2 of this document, a mortgager and members of his family, to which the spouse (spouse) of the pledger and minor children living together with the mortgager The right of ownership of other residential premises is no more than 50 percent in each of the residential premises, in the right of ownership of which these persons have a share. This requirement should be carried out as of the date of appeal to the borrower to the creditor (lender) with the application for restructuring, as well as during the assistance period specified in subparagraph "in" of paragraph 6 of this document;

the right to require a participant in shared construction, resulting from the Treaty of Participation in the Share Construction, which meets the requirements of the Federal Law "On participation in the shared construction of apartment buildings and other real estate objects and the amendments to some legislative acts of the Russian Federation". In case the subject of the mortgage is the right to require a participant in equity construction, a mortgagor and members of the family of the pledger, to which the spouse (spouse) of the pledger and minors have children living together with the pledger, live (registered) in residential premises, the share of areas in which each living Citizen does not exceed 18 square meters. meters. This requirement must be carried out as of the date of submission of the application for restructuring, as well as on January 1, 2015;

c) the total area of \u200b\u200bresidential premises, which is the subject of mortgage, or residential premises, which is the subject of a contract of participation in equity construction, if the subject of the mortgage is the right of claim for such a contract (with the exception of technical and auxiliary premises, such as a garage, boiler room (boiler room), Cold (summer) veranda (terrace), a basement), account for one living in it (if the mortgage subject is the right of claim under the Treaty of Participation in Share Construction - on each of the family members of the pledger who will live in a residential premises), not Must exceed:

in apartments:

50 sq. M. meters - for lonely living;

35 sq. M. meters - for 2 people;

30 square meters. meters - for 3 or more people, but not more than 100 square meters. meters;

in residential buildings:

70 sq. M. meters - for lonely living;

60 sq. M. meters - for 2 people;

50 sq. M. meters - for 3 or more people, but not more than 150 square meters. meters;

d) the cost of 1 square. The meter of the total area of \u200b\u200bthe residential premises, calculated on the basis of an assessment of an independent appraiser produced at the conclusion of an agreement on the provision of a mortgage loan (loan), and in the absence of such an assessment - on the basis of a mortgage agreement or an agreement to acquire residential premises, should not exceed more than 60 percent Middle market value of 1 square. The meter of the total area of \u200b\u200bresidential premises in the subject of the Russian Federation, in the territory of which there is a residential premises, according to the Federal State Statistics Service at the date of the evaluation report, and in its absence - at the date of concluding an agreement on the mortgage or agreement of the acquisition of residential premises;

e) The mortgage object is not under arrest, there is no judicial dispute about the right of ownership and is not established a ban on making registration actions.

4. Mortgage housing loan (loan) for its restructuring must comply with the following requirements:

a) the purpose of providing a mortgage housing loan (loan) was to participate in the share of construction, the acquisition or construction of a residential building or apartment, their overhaul or other inseparable improvement or refinancing of a mortgage housing loan (loan) provided for these purposes;

b) the proceedings of payments on a mortgage housing loan (loan) as of the date of submission of the application for restructuring is at least 30 and not more than 120 days;

5. Restructuring of mortgage housing loans (loans) is carried out in the presence of a borrower to the lender (lender) with a request for restructuring.

6. The conditions for restructuring mortgage housing loans (loans) are:

a) Changes by the creditor currency of the loan agreement (loan agreement) on the currency of the Russian Federation at the rate not higher than the course of the relevant currency established by the Central Bank of the Russian Federation at the date of restructuring of the mortgage housing loan (loan) and published on the official website of the Central Bank of the Russian Federation, if in the original The contract was used by calculations in other currency;

b) Establishment of interest rate creditor on a mortgage housing loan (loan) from the date of restructuring to the date of full repayment of the loan (loan) in the amount of no more than 12 percent per annum, but not higher than the interest rate on the restructured housing loan (loan) (in case the restructured Mortgage housing loan (loan) is provided in rubles of the Russian Federation);

c) Reduced by the Lender of the monthly payment of the borrower on a mortgage housing loan (loan) for a period of 6 to 12 months (period of assistance) Total on the size, which should be no less than the reimbursement amount specified in paragraph 8 of this document, or the forgiveness of a part of the principal debt on a mortgage housing loan (loan) when changing the currency of the loan agreement (loan agreement) on the currency of the Russian Federation, if calculations in the initial contract were used in other currency;

d) giving the creditor to the borrower of the right not to make payments on the repayment of the principal debt on the mortgage housing loan (loan) for the period of aid period. At the same time, the corresponding planned payments are transferred to later periods, including in the event of an increase in the return period of the mortgage loan;

e) inchange by the lender from the borrower of commissions for the action provided for by this clause associated with the restructuring of the mortgage housing loan (loan).

7. Open Joint-Stock Company "Agency for Housing Housing Lending" or a non-profit organization established by him carry out compensation to creditors (lender) part of the underwent incomes of mortgage housing loans (loans), the restructuring of which was carried out on the conditions provided for in this document in the period of assistance 50 percent of the amount established before the restructuring of the mortgage housing loan (loan) of monthly payments of the borrower for the period of assistance or up to 50 percent of the loss with a change in the currency of the loan agreement (loan agreement) on the currency of the Russian Federation, if calculations in other currencies were used in the original agreement.

8. The maximum amount of compensation for each mortgage housing loan (loan) of part of the underwent income or loss is 200 thousand rubles.

9. The procedure for the payment of the specified compensation to creditors (lender) part of the involvement of income or part of the loss is determined by the Open Joint-Stock Company "Agency for Mortgage Housing Lending" and is published on its official website in the Internet information and telecommunications network.

In order to implement the plan for priority measures to ensure the sustainable development of the economy and social stability in 2015, approved by the Order of the Government of the Russian Federation of January 27, 2015 N 98-P, the Government of the Russian Federation decides:

2. To the Ministry of Construction and Housing and Communal Services of the Russian Federation to send the Federal Budget for the Federal State Property Management Agency in the prescribed manner, provided for in "On the Federal Budget for 2015 and for the planning period 2016 and 2017 to ", as a contribution to the authorized capital of the Open Joint-Stock Company" Agency for Mortgage Housing Lending "to implement a program for assistance to certain categories of borrowers on mortgage housing loans (loans), which found themselves in a difficult financial situation.

3. Federal State Property Management Agency to ensure in the prescribed manner of the authorized capital of the Open Joint Stock Company "Agency for Mortgage Housing Lending" by 4.5 billion rubles by placing additional shares and implement actions related to the acquisition of these shares and the execution of rights on them property of the Russian Federation.

Basic conditions
implementation of the program of assistance to certain categories of borrowers for mortgage housing loans (loans), which found themselves in a difficult financial situation
(appliance. Decree of the Government of the Russian Federation of April 20, 2015 N 373)

1. Borrowers on a mortgage housing loan (loan) (hereinafter - borrowers) are citizens, at least one of which belongs to one of the following categories:

(A) Citizens of the Russian Federation, which, as of January 1, 2015, in accordance with the legislation of the Russian Federation, the legislation of the constituent entities of the Russian Federation and (or) the municipal legal acts are parties to state or municipal programs to improve housing conditions, other activities to improve housing conditions and which took advantage of the right to receive social benefits (subsidies) and other benefits for the acquisition (construction) of residential premises at the expense of the federal budget, the budget of the subject of the Russian Federation and (or) of the municipal budget using the mortgage loan to be restructuring (loan);

C) Citizens of the Russian Federation, having 1 child and more, while the age of each spouse or one parent in an incomplete family does not exceed 35 years;

(E) Citizens of the Russian Federation, for whom, as of January 1, 2015, work in the state authorities of the Russian Federation, the state authorities of the constituent entities of the Russian Federation or local governments is the main job and experience of which is at least 1 year;

G) citizens of the Russian Federation, for whom, as of January 1, 2015, work in state and municipal institutions, which are scientific organizations or organizations of scientific services, as scientists, specialists of the scientific organization or employees of the sphere of scientific services, as well as in state and Municipal educational organizations, state and municipal health institutions, culture, social protection, employment, physical culture and sports are the main job of the work and the experience of which is at least 1 year;

H) Citizens of the Russian Federation, for whom, as of January 1, 2015, work in the city-forming organizations, including those belonging to the scientific and production complexes of the Sciences, regardless of the organizational and legal form of such organizations is the main job of the work and the experience of which is at least 1 year;

And) citizens of the Russian Federation, for whom, as of January 1, 2015, work in the organizations of the defense and industrial complex included in the procedure established by the Government of the Russian Federation into the consolidated register of organizations of the defense and industrial complex, regardless of the organizational and legal form of such organizations is the main work and experience of which is at least 1 year;

K) citizens of the Russian Federation, for whom, as of January 1, 2015, work in scientific organizations, which the Government of the Russian Federation assigned the status of state scientific centers, regardless of the organizational and legal form of such organizations is the main job of the work and the experience of which is not less than 1 year;

L) Citizens of the Russian Federation, for whom, as of January 1, 2015, work in organizations created by the State Academy of Sciences (except for the organizations of the social sphere) is the main job and experience of which is at least 1 year;

M) Citizens of the Russian Federation, for whom, as of January 1, 2015, work in state unitary enterprises, which are scientific organizations or organizations of scientific services, carrying out scientific, scientific and technical, innovative activities, experimental development, testing, training for priority areas The development of science, technology and technology in the Russian Federation, approved by the Decree of the President of the Russian Federation of July 7, 2011 N 899 "On approval of priority areas for the development of science, technologies and technology in the Russian Federation and the List of Critical Technologies of the Russian Federation" is the main place of work and The experience of which is at least 1 year;

N) Citizens of the Russian Federation, for whom, as of January 1, 2015, work in organizations - participating in programs for the development of pilot innovative territorial clusters implemented in the territories of the constituent entities of the Russian Federation in accordance with the annex to the rules of the distribution and granting subsidies from the federal budget to the budgets of the subjects of the Russian The federations for the implementation of activities stipulated by the development of pilot innovative territorial clusters, approved by Decree of the Government of the Russian Federation of March 6, 2013 N 188 "On approval of the rules for the distribution and granting subsidies from the federal budget to the budgets of the constituent entities of the Russian Federation for the implementation of activities provided for by the development of pilot innovative programs Territorial clusters "is the main job of the work and the experience of which is at least 1 year.

And living together with a borrower, more than 30 percent compared to the average monthly over the past 12 months before the day of submission to the restructuring of the cumulative income of these persons or an increase of more than 30 percent in the currency of the Russian Federation of the Mortgage Housing Loan (Loam) on the date submission of an application for restructuring compared with monthly payment in September 2014;

B) at the date of appeal to the borrower to the lender (lender) with an application for restructuring the total income specified in this paragraph (less the payment on the mortgage loan), divided by the number of persons specified in subparagraph of this clause, below the semi-arm of the subsistence minimum, established in the subject of the Russian Federation, in whose territory the borrower lives;

C) There are no information about the recognition by the court of an application for the recognition of the borrower (mortitator) bankrupt to the substantiated and introducing the procedure for the restructuring of its debts.

B) The mortgage object refers to one of the following categories: a residential premises purchased for a borrower and family members of the borrower specified in this document. If the mortgage is a residential premises, the cumulative share of the borrower and his family members specified in subparagraph "A" of clause 2 of this document, a mortgager and members of his family, to which the spouse (spouse) of the pledger and minor children living together with the mortgager The right of ownership of other residential premises is no more than 50 percent in each of the residential premises, in the right of ownership of which these persons have a share. This requirement should be performed as a state at the date of appeal to the borrower to the lender (lender) with the application for restructuring, as well as during the assistance period specified in this document;

The right to require a participant in equity construction, resulting from the Treaty of Participation in the Share Construction, which meets the requirements "on participation in the share construction of apartment buildings and other real estate objects and the amendments to some legislative acts of the Russian Federation". In case the subject of the mortgage is the right to require a participant in equity construction, a mortgagor and members of the family of the pledger, to which the spouse (spouse) of the pledger and minors have children living together with the pledger, live (registered) in residential premises, the share of areas in which each living Citizen does not exceed 18 square meters. meters. This requirement must be carried out as of the date of submission of the application for restructuring, as well as on January 1, 2015;