Social mortgage in Kazan. Social mortgage for young families
Mortgage - a type of loan, under which the clientacquires real estate and undertakes to repay the debt in a specified period. As security for the performance of the obligation, the property becomes pledged to the bank. The buyer can also mortgage other real estate. The conditions of this type of lending in Russia are quite strict. Therefore, the government, together with banks, offers its citizens a certain category of citizens its maintenance programs. More details about what the social mortgage in Kazan is, the conditions for its receipt you will learn from this article.
Features
Housing on a social mortgage is providedunprotected categories of citizens who are not able to independently purchase an apartment on a commercial program. The main difference is in the small cost of 1 square. m living space. Borrowers do not have to save money for buying an apartment for many years. They can enter the housing immediately after registering a loan and register there family members. Another advantage is the additional guarantees that are provided by the bank and the government. The credit organization carefully checks all the documents, insures the life of borrowers and property, the interest rate for service is not changed until the end of the contract.
Social mortgage for state employees (Kazan) is provided on the following terms:
- participants can be employees of state enterprises, as well as those that partially finance it;
- for one person living in an apartment must have at least 18 square meters. m;
- the maximum loan period is 28 years;
- the loan is granted at an interest rate of 7%;
- there is an opportunity to get a loan without an advance payment.
The list of requirements is dictated not only by commercialbanks, but also authorities. The first can impose restrictions on citizenship, residence and work experience, etc. The requirements of the authorities relate to more real estate and their location.
The main disadvantage of a mortgage is a significantoverpayment, which can exceed 100% or more. It includes the commission of the bank for services, provision of services, monthly insurance payments, etc.
Details
Social mortgage in Kazan is provided inwithin the framework of the Salavat Cooper project. On the territory of the residential complex in the Kirov region 400 hectares have been allocated, on which 1.4 million square meters will be built. m living space. More than 50,000 people already live here, who can use the developed infrastructure: 22 kindergartens, 7 schools and several polyclinics. In total in 2014 it was put into operation 6,5 thousand apartments with a total area of more than 380 thousand square meters. The plan for 2015 - 5649 apartments with an area of more than 345 thousand square meters. meters.
Within the framework of the federal program "Housing" the following services are provided:
- social mortgage for young families;
- provision of land plots;
- providing housing for specialists in rural areas;
- fulfillment of state obligations to provide real estate to certain categories of citizens.
Who is available for a mortgage?
The issue of providing citizens with housing is acute inKazan and Tatarstan. But in these regions there are some nuances of the service. In accordance with the law, people who need improvement in living conditions registered, as well as persons working in organizations that have made cash injections, can benefit from state support. In Kazan, there is another problem: municipal land is almost completely used, construction is carried out at the site of demolition of houses or in the industrial zone.
Kinds
For residents of Kazan and Tatarstan there are such subtypes of the program "Social Mortgage":
- "Apartment for young teachers."
- "Mortgage for young families."
- "Apartment for Youth".
Let's consider each of them in more detail.
Apartment for teachers
To support beginning teachers who are younger35 years, a special procedure for granting compensation was developed. Participants can get a subsidy at around 10% of the cost of housing to pay the down payment. This money is provided if the employee has worked for more than one year and undertakes to work for another 5 years in the same place.
Social mortgage for young families
Spouses who have not reached the age of 35,they have the right to issue a subsidy at around 35% of the cost of housing, and a family with at least one child - 40%. Housing must comply with the standard: 18 square meters. m per family member. The maximum age of both spouses is 34 years. The family must be registered in the register for housing, and also have on hand the amount exceeding the amount of the subsidy that is provided under the "Social Mortgage" program.
Where to apply for registration in the registerfor a subsidy? To the local executive authority. If the decision is positive, the participant is given a special certificate, and the subsidy itself is transferred to the account of the partner bank.
Mortgage for young people
Soldiers of student construction teams,spent 150 shifts, can apply for a mortgage at the cost of the apartment. This is three times cheaper than the market price. More detailed information can be found on the website of the public organization "Russian student groups".
Social mortgage in Kazan at the birth of a child
To reduce the financial burden on the family, inthe state program provides for payment by installments. It depends on the initial cost of housing, the amount of the accumulated contribution and the monthly amount of income. Under the terms of the program, if a child appears in the family after the loan has been registered, she receives a material compensation equivalent to the cost of 18 square meters. m of purchased housing. But this amount should not exceed the unpaid part of the debt.
How to get a social mortgage
To apply for a loan, it is necessary to submit an application and copies of such documents to the bank:
- passports;
- SNILS;
- INN;
- military ticket;
- birth certificate of the child;
- documents on education;
- marriage / divorce certificates;
- labor book (the employer must certify);
- income statements.
- Certificate of registration.
- Copies of passports of relatives.
- Pension certificates of parents.
- Evidence of the death of relatives.
- Documents confirming the availability of other property (cottage, car, land, securities, etc.).
- Movement on accounts in banks for the last six months.
- Documents confirming a positive credit history: copies of payment on utility bills for the last 6-12 months; credit agreements.
With the copies at the time of filing, you need to provide the originals.
Non-residents who work in the territory of the Russian Federation must provide a copy of the residence permit and work permit.
Having reviewed the documents, the bank makespreliminary decision. If it is positive, then the client can proceed to the selection of a particular real estate object. It must meet the conditions of the program. After choosing the borrower must collect the title documents for the evaluation of housing.
Further procedure
Based on the estimated amount of housing formedcredit limit. It is not more than 80-100% of this figure. Since the social mortgage in Kazan is a long-term type of lending, the bank requires the provision of guarantees in the form of insurance of risks of loss of efficiency, property rights or damage to property. Then the client needs to sign a contract with the bank. With its form the borrower can get acquainted in advance at the stage of collection of documents. In some cases it is necessary to sign a contract of sale, from which the mortgage follows the law. In addition, it is also necessary to issue a mortgage - a security that gives the creditor the right to receive the performance of the obligation. The process of registration of documents by the state comes to an end. Here's how to get a social mortgage.
Conclusion
State in the framework of special programsallows some categories of people to buy a dwelling on credit. The loan is granted for 28 years at 7% per annum, provided that a person can pay an initial fee. To participate in the program you need to register with the state administration of the district and collect a package of documents.
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