The government program can work in the form of the following assistance, which is offered to married couples when paying a mortgage upon the birth of a child:
When obtaining a mortgage from a bank, you should find out whether this credit institution participates in the state project - assistance to married couples with children, as well as in the “Young Family” program.
How do you pay off debt for your first child?
When the first baby appears in the family, a young couple can qualify for the following discounts on lending:
- deferment of payments for 3 years;
- provision of a state subsidy for participation in the “Young Family” project in accordance with Decree of the Government of the Russian Federation No. 1050. If only 30% of the average cost of an apartment is provided for a married couple without children, then with the birth of their first child this percentage increases to 35%. But it is worth considering that the average cost of an apartment should not exceed 2.2 million rubles.
To apply for this benefit, the following conditions must be met:
- the age of each member of a married couple cannot exceed 35 years;
- a young couple must need improved living conditions: only those families can participate in which per person there is less than the required square meters for a particular region;
- the marriage must be formalized.
Important, for a young couple to stand in line as those in need of improved housing. Only citizens of the Russian Federation are allowed to participate in the program.
How is debt written off after the birth of a second child?
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With the birth of a second child, in addition to all the benefits that are due to the first-born, the receipt of a certificate with maternity capital funds is added.
It can be used to pay off the principal on a mortgage or as an interest payment.
There is also an increase in the amount of government assistance issued at the federal level under the Young Family program. The cost of 18 m² per child is added to the subsidy amount.
Reducing the amount of a home loan when a third child appears in the family
When a third child appears, the family falls into the category of having many children. In some regions, in this case, in order to maintain the birth rate, mortgage debt is completely written off from the regional budget. In other areas, the cost of 18 m² is written off from the footage of the purchased property, which most often amounts to 5% of the mortgage debt.
In some cases, the bank carries out loan restructuring. There is also a decrease in the interest paid by the married couple. The difference is reimbursed by the state. Not all banking organizations participate in such projects.
To support married couples, the state provides certain benefits when children appear.
They may be accompanied by the issuance of a subsidy, a reduction in the interest rate, and the provision of additional benefits. Moreover, as the number of children increases, the system of preferential discounts also increases until the mortgage loan is fully repaid. These projects are carried out at the federal and regional levels. Large banks also participate in social programs.
For many Russian families, a mortgage is one of the affordable ways to purchase their own home. This is especially true for young people who have tied the knot. If children are born into such a family, happy parents have the opportunity to receive benefits on repaying a loan taken to buy a house or apartment.
Mortgage under special programs is a chance to solve housing problems
In recent years, the Russian government has been trying to make the lives of families with children more comfortable and independent. For young spouses who have children, the state is developing special housing lending programs. They are designed so that parents bear a minimum financial burden. burden when repaying the loan, paid acceptable monthly payments from the family budget, and had the opportunity to repay the borrowed funds over a long period of time without a significant increase in the interest rate.
In some cases, you can even write off a certain portion of the mortgage upon the birth of a child. Such a chance falls precisely to those borrowers who took out a loan under the terms of housing government programs, in particular the project “Affordable Housing for Young Families.” It started in 2011. Over the past time, the program has made many newlyweds happy.
Let us immediately note that not all financial institutions of the Russian Federation issue loans for the purchase of housing on preferential terms for young mothers and fathers. If the bank does not interact with the state budget, such programs will not be available there, since the government simply will not be able to provide subsidies to the credit institution to write off part of the debt. In addition, participation in an affordable housing project is only possible if at least one parent is under 35 years of age.
Another limitation is related to the area of the home purchased with a mortgage. It should be such that there is a maximum of 15 square meters per family member. If a family meets these basic requirements, it can qualify for mortgage relief. Namely, to cover part of it with state funds. Here's what you need to know: Compensation involves payment in money from the state budget:
- 18 sq. m. of housing taken on credit at the birth of the first child in a young family;
- additional 18 squares when the second baby appears;
- 100% of the cost of living space at the birth of the third child.
Pay attention! Parents have the right to take out a mortgage after the baby is born. In this case, the amount of state aid used to pay off the loan is calculated on the date of birth of the offspring, taking into account real estate prices in a particular region (local area) of the Russian Federation.
The nuances of state assistance to young families - what is useful to know?
In cases where a mortgage loan is not taken out under government support programs, the family may be provided with slightly different benefits:
- deferment of mandatory payments for a certain period;
- debt restructuring;
- mortgage payment with a certificate for .
The latter case is possible only after the birth of the second baby. Restructuring is understood as the process of drawing up a new loan agreement (in the same bank where the mortgage was taken out, or in another). Part of the debt can be paid by the state, part by the parents using the funds from the new loan. Financial institutions are extremely reluctant to issue deferrals for payments. But they may well take such a step if a young family plans to take advantage of help from the state.
There are no problems with deferring loan payments after the birth of a baby at Savings Bank and VTB24. These financial organizations make it possible not to repay the loan with the amounts required by the contract for 5 years after the birth of the second child and 3 years after the birth of the first. Notice! Parents need to write an application to the bank requesting a deferment, attaching a copy of the birth certificate of their daughter or son.
Now let's learn more about the benefits for the affordable housing project. In some regions of the Russian Federation, at the birth of the first child, long-awaited and desired by parents, the family is given subsidies, which can be used to pay off the balance of the loan debt. Their amounts are different. It all depends on the capabilities of the regional budget. For a second child, local authorities, as a rule, thank parents with increased amounts of subsidies and additional benefits. And when the third baby appears, you can count on complete write-off of the mortgage debt at the expense of the regional budget.
Loan write-off does not occur automatically. The young family will need to puzzle local officials with their problems by submitting documents and an appropriate application.
The following banks currently offer the opportunity to write off part of the debt (or the entire mortgage amount) for participants in programs with state support:
- Raiffeisen;
- Savings bank;
- Revival;
- Rosselkhozbank;
- VTB24.
Conditions for providing special They have different mortgages. Therefore, when you first contact the bank, it is advisable to find out all the features of its mortgage programs.
Debt write-off - how to proceed?
If a child appears in the family, and his father and mother decide to take advantage of the chance to write off the loan, they will have to run through the authorities. First, you should go to the municipal or district administration and clarify the rules for receiving a subsidy. You definitely need to talk with the official who oversees these issues, clarify the list of required papers and certificates, and make sure that state aid will be allocated after they are collected.
Different regions require different documents to write off a mortgage. It all depends on the requirements of local authorities. In general, to receive a subsidy, you must collect the following documents:
- 1. Mortgage agreement (copy).
- 2. Original and copy of the certificate for maternity capital (if the second baby was born).
- 3. Parents' passports.
- 4. Document on the ownership of housing with a mortgage.
- 5. Marriage certificate.
- 6. Bank statement about the amount of debt.
- 7. Metrics for children.
The collected documents must be submitted to the Pension Fund (PFR). It is its employees who are authorized to calculate and issue assistance from the state to young parents. Advice: call the Pension Fund office in advance, make an appointment with a specialist, or find out exactly when (days of the week, hours) you can submit the documentation package you have prepared.
After receiving a decision on the allocation of state aid from the Pension Fund, be sure to go to the bank where the mortgage was issued. Find out whether the funds were transferred and whether the financiers have any claims against you. Ask for an official certificate confirming the absence of such. Then in the future you will definitely not have problems with creditors.
4 tips for happy parents to guarantee financial assistance
It is not advisable to delay the procedure for applying for benefits for writing off mortgage debt. As soon as a child appears in the family, immediately go to the local administration and start collecting papers. In our country, all good things can come to an end quickly. At any time, programs to help young families may be closed due to lack of money in the budget or for other reasons. In addition, pay attention to the following recommendations (they will facilitate the process of applying for benefits):
- 1. Take out a mortgage from credit institutions that participate in government projects. Even if you don’t have children yet, it’s better to contact these banks. After adding to your family, you will be able to write off part of the loan with a high degree of probability. But financial organizations that do not cooperate with the state budget will never provide such privileges, no matter how many children are born.
- 2. Spare no expense in consulting with an experienced lawyer who deals with financial and legal problems and issues of state assistance for families with children. He knows the intricacies of local laws governing the registration and issuance of subsidies. His help will be useful.
- 3. Don’t wait for offers from the bank to write off your mortgage. There won't be any. Go to the Pension Fund, write a statement, ask for help. The state will provide it.
- 4. If part of the loan is repaid using maternity capital, which leaves money after that, do not worry - it will not be lost. Quite the opposite. The remaining funds increase annually by several percent, since maternity capital is subject to mandatory indexation. You can use it again later.
And one last thing. The government benefit we described is not monetized. It cannot be obtained in cash and taken to the bank to pay off the mortgage. All payments between the state and creditors occur in non-cash form. Write off your housing loans using government programs to support young families and enjoy life in your own home!
Support for mortgage lending to families with two or more children in 2018
The issue of repaying a mortgage loan for large families is as pressing as the extension And . On November 28, 2017, the ice was moved from its dead point. At a meeting in the Kremlin, Vladimir Putin supported a special mortgage lending program for families with two or more children. According to the law, the state is obliged to assume the repayment of mortgage rates exceeding 6% per annum. To compare the scale of subsidies, the President of the Russian Federation provided specific figures. As of November 2017, the weighted average lending rate in the country is 10.05%. In a specific case, everything that is over 6% is taken over by the state, which means it repays more than 4% of the cost of the loan. Mortgage loan repayment is issued for children born on January 1, 2018.
Repayment of part of the mortgage loan amount at the birth of the second child is given to the family for 3 years and for 5 years at the birth of the third child from the date the loan was issued. The program is valid until December 31, 2022. If the program comes to an end and a family has a third child, the subsidy is extended for 5 years from the date the subsidy for the second child expires. If the third child was born after the end of the program and the family received support for the second child, the law continues to apply for it from the date of birth of the 3rd child.
One of the core activities of the state is the protection and support of families with children. And the main point is the purchase of separate housing. For a million spouses with many children, this question remains relevant.
To improve the housing issue in Russia, more than one program has been introduced. And most couples are wondering what to do with the birth of their third baby. Are there any benefits, because they receive the status of large families.
Features of government assistance
State preferences can be divided into three groups:
- Federal projects where the benefits apply to residents of the entire country.
- Regional programs operating for Russians within the regional territory.
- Help from the city treasury at the expense of the city hall budget.
Couples with three or more children are given an apartment loan immediately on preferential terms along with social benefits. This money helps cover an impressive part of the debt.
Separately, banking institutions help large couples obtain loans on special conditions:
- With a reduced interest rate.
- Taking into account everything from the government.
- Providing a deferment on repayment of the loan upon the birth of a child for up to a year.
When a new family member appears, the manager may accept an application for a reduction in the mortgage interest rate during the spouse's maternity leave. If this is the second baby, then there is a chance to get a certificate for maternity capital. But the 3rd child makes it possible to pay off the debt in full.
Previously, the latest programs were in great demand, but new legislative measures began to apply to spouses with 2 children, so the financing of the loan program is no longer so high.
What is being done for married couples
As mentioned above, when the 2nd or 3rd child appears (if people have not yet taken advantage of help from the state), funds from maternity capital can be used to pay off the existing mortgage debt. This will allow you to close a loan in the amount of up to 425 thousand rubles.
Additionally, the program has been actively working since 2018 with the support of Russian President V.V. Putin, where couples with children can receive a discount on the rate. Families who have a mortgage on the primary market can apply.
In this case, you can refinance or the government itself will compensate for the difference in payments. The benefit for 2 children lasts 3 years; if there are already three of them, then the preferences will last for five years.
Some regions help people with many children who have a third child. Let’s say that residents of the capital receive money under the “Luzhkov Payments” project, which means 10 monthly payments and other one-time benefits. For smaller cities, apartments are allocated from the regional budget free of charge.
The minimum amount that can be paid is 50% of the cost of housing, that is, the valuation of the property as of the date of conclusion of the contract. The state does not care how many years a person has repaid the loan, but in any case it is no more than 1 million rubles.
What benefits are valid in a particular city and region should be checked with the housing committee of the municipal authorities. In Russia there are areas that will help you write off any amount of the mortgage balance if you have a 5th baby.
For those who have a mortgage and were born, it is important to know that any loan repayment assistance options can only be applied for if they have papers on hand confirming the status of a large couple. If there is no such document, then it is advisable to go to the Pension Fund at your place of residence to get it.
List of all preferences from the state
Depending on the financial and housing situation, the status of a couple with 3 children (maybe they are also a single parent), you can count on the following opportunities:
- If you have the status of a participant in the federal housing program, you can obtain significant mortgage benefits. The state will compensate part of the percentage, which will have a positive effect on the amount of payment.
- Civil servants have their own advantages. They can take part in the “Affordable Housing” or “” projects. In this case, banks, with the support of the government, make discounts on the payment of the first installment, the interest rate, and a deferment on debt repayment is possible.
- When it is not possible to take advantage of the benefits of state programs, there is a chance for previously paid taxes in the amount of 13% of the amount of the apartment. This money can be used for a loan.
- Maternity capital funds of 425,000 can be used for a loan, and a 13% tax deduction can be claimed from the remaining amount.
It should be understood that at the federal, local or regional levels they have tested their own social projects for people with housing loans when they have a third baby. It is advisable to contact your local government for information.
Until 2018, there were many mortgage offers in Russia for large families from different banks, including Sberbank. On average, mortgage interest rates for a young family were 7.5-10.5%. At the moment, there is a new program proposed by the state - a mortgage for the 2nd and 3rd child at 6% in 2018. Conditions for families in which a second and third child is born are now more favorable.
This program is aimed at stimulating the birth rate and helping families solve housing problems.
Terms of mortgage lending for a second and third child in 2018
By decree of the President of the Russian Federation Vladimir Putin, a decree was signed to launch a program of assistance in mortgage lending to families where a second or third child is born in 2018.
According to the terms of this program, families that meet the requirements will be able to obtain a mortgage for their primary home, as well as refinance on terms 6% per annum. That is, if a bank offers a mortgage at 10%, the state will pay 4%.
Details on the conditions of receipt
Under the terms of this state program, the following families will be able to receive mortgage support at 6% or refinancing at 6% of their existing one (received before 2018 and after):
- in which the 2nd and 3rd child is born after January 1, 2018. Accordingly, families in which 2 or 3 children were born previously January 1, 2018 under the program don't hit;
- having a mortgage, at the birth of 2 and 3 children after January 1, 2018, will be able to refinance at 6% (the rest of the interest payments will be covered by the state);
- parents of any age (not to be confused with the “” program, where parents under the age of 35 can become participants);
- those who already have a mortgage and make payments on it in accordance with the established procedure.
- provided that it is issued.
Amount and duration of subsidies
The maximum amount of preferential mortgage lending at 6% - up to 8 million for Moscow, St. Petersburg, Moscow and Leningrad regions and 3 million for other cities of the Russian Federation. At the same time, the down payment on the mortgage must be at least 20% of the total cost of the purchased home.
The subsidy period is 3 years for the second And 5 years for the third child. At the same time, if state support (6%) has already been received for the 2nd child for 3 years, and subsequently the 3rd is born, then the subsidy can be extended for another 2 years (total period 5 years).
According to the terms of subsidies for the 2nd and 3rd children, preferential lending (and refinancing of existing ones) is limited 3 and 5 years old. Subsequent payments will be calculated according to general bank lending conditions. It is possible that the program will be extended in the future.
In 2018, Sberbank, in addition to the existing one, can provide a loan for the construction and purchase of housing on the primary market (new building). 
This program does not apply when purchasing housing on the secondary market.
How to get a mortgage from Sberbank at 6%
The conditions for providing a mortgage are the same as for the regular program:
- applied (as for a regular mortgage);
- documents confirming the birth of the second (third) child;
- The bank reduces the interest rate to 6%.
Mortgage refinancing
If a mortgage was obtained earlier, at a standard interest rate for young families, and a second (third) child is born, then you can submit birth certificates to Sberbank. The bank will pay off the existing mortgage at 6% per annum.
Young Family Program
An advantage when obtaining a mortgage from Sberbank for borrowers with many children can be the bank’s “Young Family” program. Parents under 35 years of age have the right to use it. At the same time, the state can pay off up to 30% of the cost of housing. About this - in. According to this program, you can take long credit holidays (up to 3 years), which consist of paying only interest, that is, the principal debt does not have to be repaid. It is also possible to slightly extend the loan term.
All conditions for preferential lending for the 2nd and 3rd child
All conditions and details on preferential loans for the second and third child are in.
Consultation on individual issues and clarification of conditions
If you have individual questions about the provision of subsidies, you need to contact the local authorities (administration) in person or by calling the hotline.
You can also consult your bank about loan terms.
Mortgage calculator
On the domofond website page there is an online calculator for calculating a mortgage according to specified parameters. 
