State mortgage lending program for a young family. Mortgage program "Young family": pros and cons

Hello! Today we'll talk about how a mortgage from Sberbank works for a young family. You will find out the terms of lending in Sberbank, general points on registration, a package of documents and preferences that a mortgage for a young family in Sberbank provides.

Now few can count on their own separate housing. This is especially true for young people who are married. The income of such families is low, and they are forced to live with their parents and other relatives, or to rent a house.

To help newly-made families, the state has developed special program help "Young family". It involves the payment of subsidies to spouses in need of their own real estate, which can be directed to various areas related to the acquisition of their own apartment.

Thus, by means federal budget paid 30% to 40% of the cost of the apartment, and the rest - on their own. The mentioned program is part of the larger Federal Target Program "Zhilishche", introduced since 2011, now it has been extended until 2020.

Since the subsidy can be used only for the purchase of apartments in new buildings (secondary housing is not involved in the program), it is primarily aimed at increasing the volume of construction in our country. Another goal is to support the poor, for whom it becomes possible to buy housing at a price below market.

A significant limitation of this proposal is that future houses are determined by the local authorities, as well as the developer and construction projects, which must include a well-developed infrastructure at the time of delivery of the house. Control over the prices of apartments is also carried out so that their cost does not exceed 80% of the cost in the city. By lowering prices, some families will be able to afford to purchase housing and improve their living conditions.

Russian citizens who have entered into an official marriage and whose age does not exceed 35 years can become participants in the program. These include both spouses with one or more children, as well as a single parent with Russian citizenship.

Program requirements:

• cohabitation of spouses;
• availability of official work;
• there is less than 18 sq. m per person in the family. meters of living space, and the total income does not reach the permissible norms established in the region;
• emergency condition of housing;
• obtaining a womb capital;
• recognition of a large family;
• the challenger is a veteran and combatant.

To participate in the program, you must provide following documents and their copies:

1. family members' passports;
2. marriage and child certificates;
3. work books;
4. information about registered family members and their place of residence for 7 years;
5. credit history;
6. income statement;
7. certificate of receipt maternity capital or disability, if any.

Depending on the area of ​​residence, the number and list of these documents may change up or down.

To become a participant, you need to contact the real estate department with all the documents and submit an application, which is considered within 10 days. Upon completion, if approved, the family receives a subsidy certificate valid for 2 months. The funds under this certificate can be used only for what is stipulated by the contract. Most often they go to get a mortgage loan from a particular bank.

Young family program at Sberbank

The Young Family Mortgage promotion in Sberbank has quite flexible conditions, just like before, offering credit benefits until the end of 2019.

A mortgage from a savings bank for a young family does not imply the attraction of subsidies and is presented in the form of a loan with more favorable conditions lending. You can get a mortgage loan at a reduced rate on the following conditions:

• if the marriage is officially registered;
• one or both spouses are under 35;
• if the parent is single and the age limit is not exceeded;
• work experience at the last place of work of the borrower from 6 months.

Individual conditions are provided depending on the type of housing: it can be secondary housing, purchase or construction of a private house. That is, there are programs - “Purchase of finished housing”.

The mortgage in the Savings Bank also has general conditions:

• the size of the loan is from 300 thousand rubles and is provided for a period of up to 30 years;
• there is a limit of up to 85% of market value housing;
• the loan is paid in equal monthly installments;
• no penalty for early repayment credit;
• There is a deferred payment of the principal debt at the birth of a baby.

You can pre-calculate the size of the loan, the amount of payments, using ours. The online calculator offers to enter some parameters, such as the cost of housing, an initial fee, payment period. Also, a mortgage for a young family Sberbank is calculated in more detail, if you use Accurate calculation and provide more details by adding additional income, co-borrowers to the calculator.

Mortgages for a young family in Sberbank are provided on more favorable terms with a decrease in interest by 0.5%. If there is still a salary in Sberbank on the card, then another minus 0.3%.

On our website, not only can a mortgage for a young Sberbank family be calculated, but also an application for obtaining it can be submitted through this service.

How to arrange

When the applicant is a young family, Sberbank provides the same conditions as when applying for another mortgage loan, in fact, only the interest rates and the first installment differ. First of all, you need to collect documents and study the conditions for receiving and refunding money. Call to hotline a bank or a conversation with a specialist will help to find out everything and study the nuances and pitfalls. Then you need to consistently proceed with the implementation of the plan:

• Fill out an application form at the bank and bring it;
• Expect a decision on the provision of the required amount within 2-3 working days;
• All documents on the acquired property must be submitted to the bank;
• This is followed by the signing loan agreement, in parallel, you need to open an account for transferring money;
• After completing the transaction, register the ownership with the Rosreestr authorities or immediately with the bank by electronic registration;
• It is obligatory to insure the pledged object - an apartment, a mortgage agreement or mortgage is signed in advance;
• Before full repayment borrowers are the owners of the loan living quarters with mortgage encumbrances.

You can also fully repay the loan earlier the deadline, you can do this by writing an appropriate application. We wrote about earlier. After full payment, the encumbrance is removed in the Unified State Register, and a new ownership right is issued without this mark.

The documents

Sberbank's program "Mortgage Young Family" requires the submission of the following documents:

• a statement, with the spouse necessarily acting as a co-borrower;
• copies of the passport of the borrower and co-borrowers, if there are several;
• salary certificates in 2-NDFL form, copies of labor or a certificate from the place of work in the form of a bank;
• marriage document;
• documents on the birth of a child or children;

When the application is approved, the bank will contact you, after which some more documents will be required, such as paperwork for the purchased property, confirmation of the amount for the initial payment. If the loan is secured at the expense of existing housing, then there will be required documents on the ownership of this housing.

Alternative ways of support

In addition to obtaining a mortgage or government subsidy, there are alternative ways to support a young family, including maternity capital, governor's and regional subsidies.

• The size of the mother capital in 2019 is 453 thousand rubles and it can be used to pay off the mortgage loan. The program has been extended until 2020 and is gaining popularity, reaching families with a second child or subsequent children.
• Also, young families can receive a lump sum payment from the state at the birth of a child. It is 15 382 rubles 17 kopecks, it can be issued within a limited time - 6 months from the date of birth of the child, otherwise it will not be possible to receive it.
• The governor's grant is given to families under the age of 30. It is allocated at a time, and the amount depends on the region of residence and is different. Here, only spouses under 30 are considered a young family; others are not eligible for this subsidy. To receive the payment, it is required to present the child's birth certificate; statement; identification; account details.
• Also, regional payments in the form of one-time benefits are used as support. You need to find out the exact information about the amount of the benefit and the conditions for granting it in your city, since they vary depending on the subject of the federation.
• Another type of payments for young families is the state program “ The large family". The family must have at least three children under the age of majority. This program does not imply support for a family on a mortgage; it implies a discount on housing and communal services, partial tax exemptions, subsidies for construction materials, assistance in organizing entrepreneurial activities.
• Since 2018.

Of course, the “Young Family” and “Maternity Capital” programs remain the most popular for the purchase of housing with the help of mortgages, as they provide an opportunity to purchase an apartment and repay the loan in a more profitable way, which is very important in today's difficult financial conditions.

Banks make special offers to young families, make discounts on interest rates, deferrals. Are all couples eligible for the young family mortgage program? What is a young family for a mortgage, there are age restrictions, is it necessary to have children for a soft loan?

Loans to young people for the purchase of real estate are offered by many commercial banks. Sometimes among the programs there are really profitable and worthy of consideration. But it happens that a program for a young family is just a marketing ploy by banks wishing to expand the range of loan offers.

The state program "Young Family" stands apart. Participation in it allows you to receive a certificate that can be used to pay off a mortgage or invest in real estate (build a house, buy an apartment for cash). However, not every young family is suitable for this program.

A young family at Sberbank, VTB24, Deltacredit Bank and others

Mortgages for young spouses are offered large and medium-sized financial institutions... Usually these loan options are distinguished by low interest rates:

• from 9.5% in Sberbank;
• from 10.5% in DeltaCredit Bank;
• from 10.75 in Rosbank;
• from 11% in VTB24.

This type is also characterized by a small initial contribution (from 10 to 30%), because it is believed that young people cannot accumulate a substantial amount of money. And of course, the age of potential borrowers is important for a mortgage.

After analyzing the proposals, we determined what a "young family" means for a mortgage in commercial bank... In Sberbank, VTB, Deltacredit Bank, Alfa-Bank, Uralsib and other organizations there is only a selection criterion by age - one of the spouses must be no older than 35 years. That is, if the age of the husband and wife is 36 years old, then they will refuse a mortgage in this direction. And if the husband is 50, and the wife is only 35, then the bank will agree to consider the application. That is, the value of the age of a young family for a mortgage by banks is taken into account by one of the spouses.

Requirements descriptions may include special conditions... So, in Sberbank, the presence of co-borrowers is mandatory (they are the parents of the young spouses). And VTB24 limits the loan amount to 8 million rubles. But there are no requirements for spouses for having children. There is a small benefit: in Sberbank, spouses with children receive a reduction in the initial payment from the standard 15 to 10%.

Young family for the state program

Government programs for young families are more profitable than commercial offers from banks. This is the "Housing" program with its subprogram "Provision of housing for young families", which allows you to receive a discount of 30-35% of the value of real estate.

Also, in the regions, there is sometimes a separately developed subsidy for young people without housing who want to buy an apartment in a new building.

The subsidy can be:

• send to pay off the mortgage taken earlier;
• use as a down payment.

To participate in the program, it is necessary that following conditions: the age of each of the spouses is not older than 35 years, the status of those in need of better housing conditions. Almost all state programs prescribe the mandatory presence of children. Also, the family must have money to pay for a further mortgage or make the rest of the lump sum when buying a home (this is proved by the documents indicated in the list in the picture).

The status of the needy can be obtained if the young family is registered or is the owner of an apartment, where there is less for each person square meters than indicated in regulations region. Some regional programs have other special conditions, therefore, before submitting documents to the MFC, it is necessary to clarify them on the website of the regional government.

An approximate list of documents for participation in the program is presented below.

In general, banks and the state have different ideas about who is considered a young family for a mortgage. Banks take into account the age of one of the spouses. The state is the age of everyone. Moreover, the number of years is the same - no older than 35.

Having registered their unit of society, the newlyweds begin to look for answers to many questions. How to get a mortgage for a young family is one of the most urgent ones. But it’s a little difficult if you know all the details of the process.

How to take an apartment on a mortgage for a young family

Social support for newlyweds was enshrined at the legislative level back in 1998 in the law on mortgage... In short, how to get preferential mortgage a young family, the following families are subject to the federal mortgage housing program:

• each family member is not more than 35 years old;
• they need housing for objective reasons;
• at least one of the family members is a citizen of the Russian Federation;
• family has monthly income in excess of the potential mortgage payment.

If the family meets all these requirements, it receives a certificate, according to which the necessary subsidy is provided. After that, the process of choosing a bank with the most suitable conditions begins.

Single-parent families, that is, a father or mother with one or more children, can also receive a housing subsidy, subject to all other conditions.

Despite the fact that the rates for the payment of mortgages to young families are already calculated according to minimum values, v different banks they can hesitate. So it makes sense to carefully study all the proposals. And the interest rate is not the only argument in favor of choosing a particular bank. Loan amount, term, first installment - having carefully considered all the details in advance, you can significantly win in the amount that you have to pay in the end result.

Particularly noteworthy is the receipt of a "status" that a young family really needs their home. This does not necessarily imply a complete absence of this in the newlyweds, but also the following conditions:

• living space does not meet the standards;
• the family lives in one communal apartment with a person whose illness makes it impossible to live;
• the area of ​​an apartment or house is less than that provided by regional standards.

The down payment is an exit for those who do not qualify for the subsidy. It can reach 20% of total amount purchases, so if the young family has their own savings or real estate that can be used as collateral, the subsidy is not so necessary. Good credit history, high and stable income, as well as the presence of children in the family - additional arguments in favor of newlyweds.

Buying a home, and it can be both an apartment and a house, is necessarily carried out with the participation of a bank. This is necessary to ensure that the bank is confident that in the event that borrowers fail to fulfill their obligations, losses will be reimbursed. This rule also applies to paying off debt for housing purchased in part through a subsidy.

What you need to take a mortgage for a young family: collecting documents

The list of what is needed for a mortgage for a young family for an apartment includes a standard set of documents:

• mortgage application;
• passports of both spouses, as well as birth certificates of their children;
• a certificate that the marriage was concluded (not needed for an incomplete family);
• income certificates;
• directly a certificate for obtaining a mortgage subsidy.

This list is mandatory, but the bank may request additional documents. Which ones depend on the choice of the bank, so before you start collecting papers, it is better to consult with loan officers who will tell you in detail how to arrange a mortgage for a young family.

The process of obtaining a mortgage for a young family on favorable terms is a relatively hasty procedure. The validity period of the certificate giving the right to the subsidy is 7 months.

Childbirth and mortgage

The birth of a child gives a significant bonus for the applicant family for a mortgage. If a childless family has the right to receive 30% of the estimated cost of housing, then the child adds 5% to this amount. The percentage does not depend on the number of children and is always five. But that is not all.

If total area housing, calculated according to the law for a family of two, is 42 sq.m., then in the case of a larger number of family members, it will be calculated based on the figure of 18 sq.m. for each person.

An additional advantage is given by maternity capital. Parents have the right to spend money allocated for the birth of their second and subsequent children to pay off the mortgage loan, as well as on the down payment. In this case, a certificate of receipt of maternity capital, as well as a certificate from The Pension Fund, proving the balance of funds on the mother's account, should be added to the list of what a young family with a child needs for a mortgage when contacting a bank.

The tax deduction practice does not apply to the part of the cost of housing paid for by maternity capital.

Different banks provide different benefits for families with children, which may include the following:

• deferral of repayment of the principal debt;
• decrease in interest rates;
• reduction of the initial payment;
• increase in the loan term.

What you need to know when applying for a mortgage for a young family

In order not to receive a refusal to participate in a federal or one of the mortgage banking programs, it is necessary to provide only reliable data. All information is carefully checked, and non-compliance with the truth will significantly postpone the purchase of your home.

You also need to remember that although the home is owned by the borrowers, it is pledged to the bank for the entire period of debt repayment. This is an adequate guarantee of the exclusion of losses. But for a young family, this means some inconvenience. An apartment cannot be sold, exchanged or rented out without the knowledge of the bank. This can be done only upon receipt of the appropriate permission.

The fact of registering an apartment as a pledge to a bank should not scare potential borrowers. They can register all family members on the living space, and after paying the last installment, the bank completely waives all rights to housing.

The relationship between the bank and mortgage borrower issued by such a document as a mortgage. It contains all the conditions for granting a loan. In addition to the impossibility of full disposal of the housing purchased on a mortgage, a potential inconvenience of the mortgage can be its transfer to another bank. This can happen, for example, in the event of the bankruptcy of the bank where the loan was taken. In this case, mortgage payments will need to be made to the bank that received the mortgage. Borrowers are protected federal law on the mortgage, so the payments will remain the same.

An additional line of mortgage costs is life and property insurance. This should be taken into account when calculating in advance the future costs of buying a home. In some cases, the bank may request a surety for a mortgage loan.

Do not forget about the penalties that are charged in case of late payment of monthly contributions. From financial problems, the most common of which is job loss, no one is insured, so even such a pessimistic forecast should be considered even at the stage of preparing for a mortgage. The fact is that in different banks penalties on late payments are charged at different interest rates. If the installment was overdue for a period of less than 30 days, then the amount of the fine ranges from 0.1 to 1% of the amount of the installment. In the event of a longer delay, the fine is increased.

You can avoid unnecessary spending due to financial troubles by applying for a debt restructuring or applying for a loan vacation.

Mortgages made easy

Knowing how profitable it is to take a mortgage for a young family, this can be done without unnecessary stress and wasting time. The main thing is not to hesitate to consult with specialists. Legislation in the field mortgage loans every year it steadily changes in favor of borrowers, so every young family has every chance to get a mortgage on favorable terms.

Mortgage loan can be obtained on preferential terms by becoming a member state program assistance to socially unprotected categories of citizens. Mortgage under the "Young Family" program is an opportunity to receive a significant state (support) subsidy when buying a home.

Alternatively, you can use on general conditions existing mortgage programs of banks for young families, which are in many credit institutions... They certainly differ from each other, and also differ from the state program of subsidies to the participants of the Young Family program.

A mortgage for a young family in Russia in 2017 is practically the only opportunity to become the owner of their own home. It is very difficult to save up to buy an apartment or build a house yourself. The reasons for this: high inflation, high cost of living (and housing, including), the difficulty of finding a permanent job with high wages for a young specialist.

Mortgage programs for young families in 2017

Now, in most cases, in order to get affordable housing for a young family, it is necessary to obtain a mortgage. If the spouses decide on this, then the bank should be chosen especially carefully.

The main difference between the so-called bank assistance young families and the federal program - that state aid - gratuitous.

1. State provides a gratuitous subsidy for the purchase of housing, if citizens are recognized in the appropriate manner in need of improvement housing conditions.
2. Banks, in turn, do not "give" anything to their clients, but they can offer one of the following profitable options for their mortgage programs:
   • reduced interest rate;
   • no down payment or minimum down payment;
   • the possibility of deferred payment without imposing penalties;
   • concessional lending.

To enter the mortgage program, a young family needs to act as follows:

Few will doubt that taking out a mortgage for a young family is like signing a commitment to volunteer to work all their lives for the benefit of the bank. Nevertheless, the majority of Russian young families decide to take this risky step.

How to take an apartment on a mortgage

It offers its own conditions for the "Young Family" mortgage program. However, there are several universal ones.

General terms for this the following:

• age qualification;
• the need to pay an initial payment (it is usually calculated as a percentage of the cost of housing and ranges from 10%);
• the presence of a stable income and a permanent place of work.

Among additional conditions receiving a state subsidy should be highlighted:

• the age of the spouses (up to 35 years old);
• the need for an official recognition of a family in need of better housing conditions;
• compliance with the condition that citizens must be registered in a certain region for at least 10 years.

How to get a bank loan for an apartment

Among common documents, usually required by bank employees for registration of a mortgage, the following can be listed:

1. Original and copy of the passport.
2. The original and a copy of the certificate of registration at the place of stay.
3. Copies of documents on marital status.
4. Education documents.
5. A copy work book certified by the employer.
6. A copy of the employment contract (with additional agreements certified by the employer).
7. Originals of certificates in the form 2-NDFL.
8. A completed request to the employer to confirm information about the income received.

Mortgages for young families belong to the category of social mortgage loans. But not every family can get the right to a loan: for this you need to meet certain conditions and requirements. A young family can take out a mortgage by contacting either the state or a bank. Let's consider their proposals in more detail.

Where to get a mortgage

There are 2 types of mortgages that a young family can get:

• banking social programs for young families (for example, a loan from Sberbank "Mortgage to Young Families").

Federal target program "Housing"

Requirements for joining federal program for young families:

• each family member must be less than 35 years old;
• you need to queue up to improve living conditions.

Conditions for state subsidies of mortgages to young families:

• depending on the region, the amount of the subsidy may differ. For example, in Moscow a family without children is given 42 m 2 of housing, if there are children - 18 m 2 per person;
• also, if there are no children, the state pays up to 35% of the cost of the apartment. If there are children, an additional 5% is paid for each.

The amount of the apartment that was not covered by the state must be borrowed from a bank that provides social services mortgage lending young families. Less amount from state support it turns out a good preferential mortgage.

To join the federal targeted program "Housing", you need:

• obtain the status of a family in need of better housing conditions;
• join the Young Family program;
• get a certificate confirming the right to subsidize;
• contact the office of the Agency for Housing Mortgage Lending (AHML), created by the Government of the Russian Federation to implement the state program to improve the living conditions of young families in need.

Loan from Sberbank "Mortgage for young families"

Conditions for providing a mortgage loan for young families from Sberbank:

• at least one of the spouses must be under 35;
• interest rate 11.5-13.25%;
• loan term up to 30 years;
• down payment - 10% if the family has children; 15% if there are no children;
• in case of the birth of a child during the crediting period, a deferral is provided: for the period of housing construction - 2 years, for the birth of a child - 3 years.

How best to take a mortgage for a young family

In order for newlyweds to profitably take out a mortgage loan, first of all, you need to try to get under the federal program of subsidizing mortgages for young families. This will save you a lot of money and be able to pay off your loan faster.

The family can use the funds received to buy housing on the secondary real estate market, during the construction phase, as well as to build their own housing.

Regardless of whether you received state support or not, you need to contact the bank for registration of the remaining or full (if without state support) mortgage loan. First of all, contact banks that have social credit programs for young families.

But be careful: some banks create social loans only to attract attention, but in fact, the conditions for preferential loans for a young family and a simple mortgage may practically not differ.

Be prepared to refuse a mortgage, as banks are reluctant to give a loan if the spouse has not yet reached the conscription age, and the spouse is on maternity leave.

The documents

List of documents that must be submitted to the bank to make a decision on the issue social mortgage to a young family:

• application in duplicate;
• spouses' passports and birth certificates of children;
• marriage certificate;
• income certificates (or availability of about 40% of the loan amount for the first installment). Additionally, a copy of the work book may be requested;
• extract from the house book;
• certificate for the right to improve housing conditions.

These are the main documents. Depending on the policy of the bank, he may request additional documents.