As a soldier to get an apartment at the expense of the state

What is the military mortgage

This is a state program to provide housing for military personnel. Thanks to her, they could buy an apartment without investing your own money: the initial payment will provide the state, it will also make monthly payments on the loan.

The military is not limited in the choice of housing: it can take out a mortgage flats or on the secondary housing market or to buy a private house with a plot. The state allows you to select any region for the purchase of real estate. For example, the officer is on the Kamchatka Peninsula, and the apartment can be bought at home Serpukhov, Moscow or Sochi - closer to the sea.

An officer may use military mortgage, even if they already have their own homes: a program designed for it, to raise the prestige of military service.

How does the military mortgage

To take advantage of preferential mortgage, the military mustFZ, dated August 20, 2004 N 117-FZ "On the accumulative mortgage system of housing for military". serve under the contract and to be a member of the program savings and mortgage system. The project is supervised by

Rosvoenipoteka - a special unit Ministry of Defense. When the officer logs into the system, it opens a personal account. The state charges to contributions from the budget, and military could use them.

Who can become a member of the accumulative mortgage system

To do this, you need to get into one of the categories specified in the law:

• officers who have graduated from a military school or received the service contract after January 1, 2005;
• and warrant officers who have served under contract for three years;
• soldiers who had gone to the reserve, and signed a new contract.

These categories of servicemen are connected to the accumulative mortgage system automatically. Voluntarily to the program can join the military and others: it is necessary to submit to the commander of the report for inclusion in the Register.

Can take the opportunity to:

• sergeants, petty officers, soldiers and sailors who have entered into a second contract for military service;
• soldiers who have concluded a first contract for military service before January 1, 2005.

In addition, the military can get a mortgage soldiers MIA and Ministry of Emergency Situations: riot police, Rosgvardii, SWAT, private security.

How much money the government gives

After inclusion in the savings and mortgage system state will accrue annually at the expense of the military nominal fixed fee: in 2019 he wasannual contributions. 280 thousand rubles. The payment is indexed, so that in 2020 the amount will increase in accordance with the inflation rate for 2019.

The first three years the money piling up in the account of the military, you can not use them. During this time, the amount of payments will reach about 850 thousand rubles - enough for a down payment on the mortgage.

Maximum loan amountMortgage calculator to calculate the maximum amount of the program with payment annutitetnym The Program - 2.59 million rubles. If the apartment is worth more, the military will have to pay more, either add their money to the down payment or pay the mortgage on their own after retirement.

When buying a home, you can use the maternity capital and get tax deduction 13%, but only for the amount that he put the soldier. The maximum amount of the deduction - 260 thousand rubles. They can be obtained, if invested in real estate purchase 2 million of its funds.

To use money within three years after the opening of an account is not necessary: ​​as long as the military is, payments will accumulate.

What conditions must comply with a military

During military service credit for it pays the state. But the program has an important nuanceArticle 10. The emergence of the right to use savings Rounds at nominal cumulative participant account: Money, used by military, belong to the country. When he takes a mortgage, the apartment is in the double burdens of the state and the bank. Not to remain in arrears, the military is obliged to observe the conditions of the program:

• serve 20 years;
• serve 10 years and not to terminate the contract early without good reason.

Then at the end of the service, he becomes the legal owner of the apartment.

If you quit without good reason, will have to return all the money to the state - an initial payment or payments on the mortgage, - a loan to the bank to pay the most.

Exception - dismissal after 10 years of service for a good reason (reduction of organizational and staff activities, achievement the age limit for service, medical board recognized unfit or partially fit, transfer to a new place service). It turns out there are three scenarios.

1. The military has served 20 years or more

In this scenario, the officer should not state anything. If, during the service, he took a mortgage, an apartment becomes his property. But if the mortgage is paid not to the end, after the dismissal of the military makes contributions himself.

If the military did not use a mortgage at the time of service, money remaining on his account. After his discharge, he can use them to buy an apartment.

2. The military has served 10 years or more (but less than 20) and quit for good reason

In this situation, the military also did not have to return the money from the personal account into the savings and mortgage system. The remainder of the mortgage, he pays himself.

If an officer in the military mortgage program was not involved, he can do it after the dismissal.

3. The military has served less than 10 years or dismissed without good reason, not having served 20 years

Under such circumstances, the officer can not use the money on the savings account and get a mortgage, and If you do it during the service, all the money will have to return: and loan payments, and initial contribution.

How to get a mortgage military

Step 1. clearance certificate

Three years after the inclusion in the savings and mortgage system the military can use the money in the account. To do this, you need to submit report in the name of the commander of the military unit to receive testimony. Draw up a document in Rosvoenipoteke for three months, and he acts for six months.

Step 2. The choice of the partner bank

Under the program of military mortgage does not work all the banks: on website Rosvoenipoteki you can see a list of accredited institutions. The rate ranges from 9.2% to 10.6%, the period is calculated so that the military could repay the loan before retirement age (45 years). For example, if an officer is buying an apartment in 25 years, he would be given a mortgage for 20 years, and if the 30, only 15 years old. Some banks allow you to add its own funds to the military could buy an apartment is better.

To understand on how much to expect to come to the bank with evidence. Given the age of the soldier and the interest rate, the bank will determine the approximate cost of housing, which you can buy.

Step 3. housing choice

You can choose an apartment in the building or on the secondary market, cottage or townhouse. After that, conclude a preliminary contract of sale with the seller.

Step 4. mortgages

After choosing the military apartments concluded with the bank credit agreement. Documents sent to Rosvoenipoteku for approval of the transaction, after which the organization takes an initial payment to the account of the bank (of the savings that were on the nominal account of the military).

Step 5. registering property

Military records the contract of sale and received a certificate of ownership and an extract from USRRE. They will be noted that at the time the mortgage housing does not belong to the military and is a double encumbrance. On this basis, the bank transfers money to the seller apartments and Rosvoenipoteka starts listing the monthly payments on the mortgage.

With the result that

Military Mortgage - a bargain for those who believe that all life to the Russian army. Under this program, the state pays the credit for the soldier, not by cutting his salary. But it is necessary to understand that the rent officer shall give 20 years of service in the army without the ability to leave and change the profession, and the mortgage amount depends on the borrower's age - it may not be enough for a good housing. In each situation, different benefits, but in any case it is an opportunity to get an apartment at the expense of the state.