7 bonus from the state to help pay the mortgage

For all

1. Tax deduction for mortgage interest

Tax deduction - it is part of the income from which state allows not pay personal income tax. One of the most common types of it - the property. When buying a home - a loan or not - it is possible to return to the 260,000 of taxes paid, the exact amount will depend on the price of the apartment.

But that's not all. When buying a home in the mortgage you can take a tax deduction on interest. If the apartment purchased to 2014, the return can be 13% of the total amount of overpayment. For properties purchased later, there is a limit: you can get 13% of the 3 million rubles, that is up to 390 thousand. If the overpayment is less, and the tax deduction will be reduced.

Say you bought an apartment in mortgage and you are going to pay the loan on schedule. The total overpayment on it will be 1.2 million. So, you can claim a refund of 156 000.

Note that to take advantage of the interest deduction can only be once in a lifetime, and the same object.

Since we are talking about the exemption from personal income tax, the amount of payments will depend on your official income. If you get a year of 300 thousand, the maximum amount of repayment for 12 months - 39 thousand, if one million - 130,000. But you can ask for a deduction for several years, until all the returns you posited amount.

The deduction can be obtained:

• through an employer - you simply cease to accrue personal income tax until you have reached the limit;
• through the tax - is refunded the amount of the tax paid for the previous year.

2. mortgage holidays

The man who was in a difficult situation, may temporarily not pay the mortgage, or reduce the amount of payments on their own for a period of up to six months. The following conditions must be met:

• Accommodation in mortgage - and only used for personal needs of the borrower.
• The loan is less than 15 million.
• Terms of the loan agreement before not changed.

Vacations do not affect the size of the loan, but it will help to survive a difficult financial period. You can take a break without the consent of the bank, it is sufficient to notify.

for families

3. The program "Young family"

The state is readyRF Government Resolution dated December 30, 2017 N 1710 to help young families with the purchase of an apartment and pay for their portion of the cost of housing: 30%, if there are no children, and 35% if there is at least one child. Of course, it is not about any sum. The subsidy is calculated on the basis of how many square meters must account for a particular family.

But this offer is not for everyone. We need to meet the criteria:

• The subsidy is only issued to people under the age of 35 years. This may be spouses (both younger than this age), or a single parent with a child.
• The family must be in need of better housing conditions and stand on the corresponding Registered in the local administration. In the regions, the requirements for the determination of needs are slightly different, so find out how to get to the coveted list, it is necessary on the spot.
• The family must have the money to pay the rest of the cost of housing, which does not cover the subsidy. Mortgages also suitable, since it is enough to have a suitable income.

Even if you meet all the criteria, it does not mean that you will get a subsidy. The local administration of the list of potential participants in the program, and they can wait for years, when it's their turn. During this time you, for example, grow up to 36 years and will automatically lose the right to such a subsidy. But it's worth a try.

4. Maternal capital

For the birth or adoption of a second child is issued a certificate for a certain amount - in 2019 is 453 023 rubles. Typically, it gets the mother, but in extreme cases, if she is dead or deprived of parental rights, it may issue and father.

One of the legal ways to dispose of the parent capital - to improve their living conditions with the help of a mortgage. Money can be used as a down payment to pay for their basic duty to the bank or interest.

Important: if we are talking about the mortgage, dispose of maternal capital can be up to trohletiya child. In all other cases will have to wait.

A prerequisite for the use of the certificate - the allocation of the children share in the purchased property.

5. Mortgage at 6% for families with children

If a family with at least one child from 2018 to 2022, gave birth to another, it canRussian Federation Government Resolution dated 28/3/2019 number 339 lower the rate on a mortgage of up to 6% for the entire term of the loan. Mandatory requirement - the purchase of an apartment in the primary market, including the construction phase. To the Far East reduced rate is 5%, and it is possible to fly the secondary housing if it is located in a village. Banks have the right to reduce the rate further.

You can just take out a mortgage on these conditions: an initial contribution must be not less than 20%. But it can make the parent capital. This works for property purchased in 2018 or later. Also allowed to refinance an existing mortgage.

We have reduced the mortgage limits: in Moscow, St. Petersburg, Moscow and Leningrad regions in the loan can take no more than 12 million, in other regions - not more than 6.

Possibility get a mortgage with such a low rate provided by the state. It compensates for lost banks benefit due to the issuance of such cheap (relative to the average) credits.

6. 450,000 large families

If a family with at least two children from 2019 to 2022, was born and has been adopted by another child, it canRussian Federation Government Resolution dated 7/9/2019 number 1170 receive 450 thousand rubles to pay off the mortgage. This offer can be once. If the debt is less than this amount, the rest burned.

For individual professionals

7. military Mortgage

Thanks to a special program serviceman can buy an apartment without investing your own money. The initial payment will provide the state, it will also make monthly payments on the loan. This person has to serve a certain period, otherwise you'll have to return the money spent on him by the state. There are two possible scenarios when it should not be anything:

• to serve at least 20 years;
• to serve at least 10 years and retire for good reason.

Maximum loan amount - 2.59 million rubles. If the loan was more the remainder will have to put out your own.

remember that

• You can get a tax deduction for mortgage interest. But it can be done only on one object. So, if the plans are not a mortgage, make it worth when greater percentages: so profitable.
• The subsidy for young families - a great opportunity to buy a third of the apartments at the expense of the state. But we must be prepared for a long wait and failure. If the age is running out, it is better to look for other options.
• If you love children and are planning at least three, in any case, here's a business plan. In 2020-2021 years give birth a second child, get maternity capital, and then ASSUME mortgage at 6% or less. Matkapital use for a down payment. In 2022 and give birth third child receive 450,000 to pay off the mortgage. Here the main thing - to meet deadlines. But do not try this if you are indifferent to children - Take yourself and them.
• From the military mortgage can get an apartment without attachments, but there is a nuance. You are attached to the army for at least 10 years. Think in advance what is more important - freedom or money.