More and more military personnel are becoming participants in the Savings and Mortgage System, which, according to the plans of the RF Ministry of Defense, will completely replace other housing options in a few years. the site figured out what risks and pitfalls the military can face when buying real estate under the military mortgage program.

Affordable mortgage housing - on paper

It is no secret that military personnel in most cases purchase economy-class housing under the military mortgage program. But few asked the question "why"? Let's figure out how much a participant in the savings and mortgage system (NIS) can expect when choosing housing and what it depends on.

The actual amount available for the purchase of housing on a military mortgage consists of several items: the funded part, which is annually credited to the account of a participant in the savings and mortgage system; military mortgage provided by the bank; the soldier's own money.

In order to use the funds accumulated in the account, it is necessary to issue a certificate of eligibility for a targeted housing loan. This can be done already three years after the inclusion of a serviceman in the NIS program. However, quite a few savings will accumulate in the military's mortgage account over this period. For example, the amount of the funded contribution in 2016, as well as last year, is 245.88 thousand rubles.

The maximum loan amount provided by the bank under the program is 2.3 million rubles. Although in most cases, according to the interlocutors of the agency, the bank does approve a smaller amount.

The money received in aggregate will be enough to buy a one-room economy class apartment in a new building in St. Petersburg or in the vicinity of Moscow. To purchase an apartment more interesting, you will have to wait and try to save more yourself.

True, the situation was somewhat eased in the Federal Law on the Savings and Mortgage System, which came into force in May 2016. Now the military can purchase housing not only at the expense of their own account, but also combine them with the savings of the spouse, if he is also a soldier and a member of the NIS.

Take what they give

The range of apartments available for purchase under the military mortgage program is also very limited. To obtain accreditation, an object must meet certain requirements of banks and FGKU "Rosvoenipoteka". This applies to both apartments in new buildings and housing purchased on the secondary market.

To obtain accreditation, the readiness of primary market facilities must be above 70%, and the sale of residential premises must be carried out according to the DDU. With housing on the secondary market, everything is no less difficult: the house should not be emergency and have wooden floors, and the apartment itself should not have uncoordinated redevelopments.

By the way, all Russian construction projects available for purchase under a military mortgage are listed on the website.

The validity period of the certificate is limited

Another nuance worth paying attention to is the validity period of the NIS certificate. It is only 6 months from the date of signing.

After the expiration date, the document will have to be issued again, which may take several more months. To issue a certificate of eligibility for a targeted housing loan (CHL), a serviceman participating in the NIS must submit a report addressed to the commander of the military unit. After that, the data of the military will be transferred to the RUZhO, from there to the Housing Department of the Ministry of Defense, and only after that - to the FGKU Rosvoenipoteka, where the certificate itself is issued.

If changes are made to the document, the process may be delayed even more. So one of the interlocutors of the site, due to a change in personal data and the need to amend the document, was waiting for a new certificate for about six months.

Chose housing in the secondary market? Get ready to pay

When buying a home on the secondary market, a soldier faces a lot of additional expenses. First, you have to pay for the services of a realtor. It is difficult and dangerous to engage in the selection of real estate on your own - you need a lot of free time, and scammers come up with more and more schemes to deceive ignorant citizens every day. Secondly, you will have to pay for various related services: real estate appraisal and paperwork (for example, sales contracts and targeted housing loans).

"About 112 thousand was spent purely on registration, that is, only on documents..

Rosvoinipotek explained to the agency that all the above contracts can be filled out absolutely free of charge on your own. "The CZhZ agreement is filled out independently. It is downloaded from the website of Rosvoenipoteka and no money needs to be paid for it," the structure stressed.

Payment of the insurance premium is the duty of a citizen of the Russian Federation

Regardless of the cost of paperwork, the NIS participant will have to pay the insurance premium out of his own pocket. And this, neither more nor less, an average of 5,000 rubles a year.

Rosvoinipotek explained that insurance payments are the duty of a citizen, which has nothing to do with NIS. "This is a requirement of the law on mortgages. Any citizen of the Russian Federation, when registering a dwelling under a mortgage lending agreement, is obliged to insure property and conclude a property insurance agreement for housing. Even if you take a regular mortgage loan, you are required to conclude a property insurance agreement, since you are a may be lost. Therefore, the serviceman himself pays here, it has nothing to do with NIS, "the representative of the department explained.

The amount of savings does not depend on the size of the family

Another feature of the program is that the amount of NIS savings does not depend on the number of family members of a serviceman. For a large family with 2-3 children, this can be a problem. In order not to huddle in a one-room apartment for four, you will have to pay extra from your own pocket, unless, of course, there is something.

Paperwork at the bank may take more than one month

Despite the fact that the program has been worked out and is widely implemented throughout the Russian Federation, the execution of documents at the bank can take several months. This is exactly the information reported by the interlocutors of the site, who have already bought or are in the process of registering housing under the military mortgage program.

The total duration of coordination and execution of all necessary documents in the bank can reach 2 - 4 months.

Indexation of annual accruals to a NIS participant

Let's return to the annual accruals to the account of the NIS participant, which are used to pay off the mortgage. According to the military, the bank initially provides for an increase in annual payments. But whether the indexation of the annual accrual to the account of the NIS participant will correspond to an increase in the amount of payments, no one knows for sure, which means that a situation is quite possible when the military will have to pay off the difference at his own expense. It is also doubtful that in 2016 the funded contribution was not indexed, although in 2008-2015 the amount was indexed annually.

Rosvoinipotek emphasized that such a situation could not arise. Payments are made in accordance with the schedule approved when applying for a loan. "The amount paid by the state is annually approved by the Law on the federal budget. The state pays 1/12 of this amount every month. The bank calculates the payment based on the amount established in the budget," the source said.

The apartment is easy to lose

Perhaps the most important risk when buying housing under the military mortgage program is the fact that a military man can easily lose his apartment upon early dismissal from service, even if this dismissal occurred for reasons beyond his control (for example, in connection with the disbandment of the unit).

Upon dismissal with less than 10 years of service, the NIS participant must return all the funds previously allocated to him for the purchase of housing by the CHL from his own pocket, and repay the remaining loan on his own. The presence of preferential grounds in this case will not play any role. Moreover, the money must be returned no later than 10 years from the date of dismissal, taking into account interest equal to the refinancing rate.

Otherwise, both the bank and Rosvoenipoteka will demand money in court, and if the military cannot repay the debt, they will take away the housing that is in double pledge. If a serviceman contributed his own funds when buying an apartment, no one will return them in case of early termination of the contract.

If the length of service of the military was more than 10, but less than 20 years, then the used funded funds remain with the military, however, the remaining part of the loan is paid by the NIS participant independently.

If a military man with more than 10 years of service is dismissed on preferential terms, then he has no financial obligations to the bank - the state will pay off the mortgage. "Good" grounds for dismissal may include downsizing, health problems, or reaching the age limit of 45 years.

In case of dismissal with a length of service of more than 20 years, the funds of the CZhZ are non-refundable. True, there is one nuance here, which one of the interlocutors of the agency drew attention to: if at the time of registration of a military mortgage, a soldier had only 10 years to retire (before reaching a length of service of 20 years), and the mortgage is designed for 12 years, then in order for payments from the budget was fully covered by the mortgage, another two years the military will need to serve over the term.

If a military man with a length of service of 20 years has not used the funds of the NIS, he receives the right to use nominal savings at his own discretion.

Additional documents from the spouse

In case of adding own funds from the wife of a military member, NIS may require additional documents, namely a notarized statement stating that the money paid by the military family is not jointly acquired property.

This is due to the fact that during a divorce, the ex-wife of a military man often manages to achieve a division of an apartment bought on a military mortgage. Although the official website of "Rosvoenipoteka" emphasizes that the common property of the spouses does not include any payments that have a special purpose, nor housing acquired through these payments, the court often has such claims.

Thus, if the NIS participant fails to fulfill the terms of the program, his spouse will not be able to claim collateral, that is, the purchased apartment.

The Government of the Russian Federation has developed a program to provide servicemen with their own housing. Previously, real estate was issued to the military only after dismissal for years of service. To get housing, you had to wait in line, which could take years to move. In 2007, the NIS developed a program that allows you to buy real estate without waiting for the age of dismissal.

The accumulative mortgage system (NIS) implies the implementation of monthly transfers to the individual account of a serviceman to further improve his living conditions. It opens automatically after 3 years of service in the army or at the request of an employee. The amount of deductions does not depend on the rank, term and place of service of the program participant.

After joining the program, funds are accumulated on the serviceman's account, which can be used to purchase housing. In 2019, there are 2 ways to purchase real estate:

1. Wait until the required amount is collected on the account (the maximum possible amount of savings in 2019 is 2.4 million rubles), and buy housing.
2. Without waiting for the collection of the required amount, arrange a military mortgage in the bank. The savings available on the NIS account can be used to pay the down payment.

In the second case, military mortgage payments will be made not by the borrower himself, but from the federal budget.

Money on the account works the same way as on a simple deposit. A serviceman can receive additional income in the form of annual interest from the amount placed on the NIS account. Such additional income can also be used to purchase a home or make regular monthly payments on a mortgage loan.

Previously, deductions to an individual account were made once a month, but since 2016, payments have become annual. They are transferred until March 20 of the current year. The amount of funds allocated to an employee under the NIS program is constantly increasing, since accruals are subject to annual indexation.

The question often arises: can the military dispose of his savings in the NIS at his own discretion. To answer this question, see Art. 10 No. 117 - Federal Law "On the accumulative-mortgage system of housing for military personnel." The specified regulatory legal act explains that the following categories of participants can spend NIS funds for personal purposes:

• Military personnel who have served in the army for 20 years or more;
• Certain categories of participants who have served in the RF Armed Forces for at least 10 years.

The second group includes the military who retired from the army after 10 years of service for the following reasons:

• A change in the state of health that led to the recognition of the military unfit for service;
• Family circumstances;
• Organizational events.

This also includes the military who retired due to the onset of the age limit for military service.

Military mortgage indexation

The amount of funds allocated to military personnel under the NIS program is constantly increasing. This is achieved due to the fact that once a year they are indexed. For the entire period of the program, indexation of accruals was not made only in 2016, which caused some military difficulties with making monthly payments on military mortgages.

The size of indexation, on average, coincides with the inflation rate for the past year. Thus, in 2019, the amount of accruals to the accounts of NIS participants amounted to 280,009.7 rubles, which is 4.3% higher compared to the previous year (268,465.6 rubles).

By simple calculations, you can find out how much money per month, on average, is intended for the military. This amount is 23334 rubles. It is on this amount of the monthly payment that an employee can count on when applying for a military mortgage.

Increase in deductions under the NIS program by years

Below is a table that clearly shows how the size of transfers to NIS participants changed due to indexation:

Year	Amount of transfers, in rubles
2019	280009,7
2018	268465,6
2017	260141
2016	245880
2015	245880
2014	233100
2013	222000
2012	205200
2011	189800
2010	175600
2009	168000
2008	89900
2007	82800

How to find out the amount of savings

A few years after the launch of the military mortgage program, many of its participants wondered how to find out the amount of savings and choose the right moment to buy real estate.

You can find out how much money is accumulated on a military personal account in one of the following ways:

• In your personal account on the official website of NIS;
• In the annual report sent to participants by registered mail;
• Write an appropriate statement and transfer it to the commander of the unit.

Accounts are maintained by FGKU Rosvoinipoteka. The NIS funds are disposed of under the control of this structure. She also transfers funds from the NIS account to a credit institution as monthly payments on a military mortgage.

Conclusion

The accumulative mortgage system gives military personnel the opportunity to purchase their own living space without waiting for seniority. This program allows you to get a mortgage loan from a bank, which will be repaid at the expense of the state. Funds are annually transferred to the personal accounts of the military. After enough money has been accumulated for the down payment on the mortgage, the employee can get a loan to buy real estate. The amount of deductions under the NIS program is indexed annually. So, at the time of the launch of the program, they amounted to 82,800 rubles a year, and in 2019 - 280,009.7 rubles.

Indexation of military mortgage contribution in 2016 is not planned.
The amount of the funded contribution per participant in the savings and mortgage system (NIS) for housing provision of military personnel in 2016 will be maintained at the level of 2015 and will amount to 245,880 rubles.

This is provided for by the draft federal budget for 2016, which the Ministry of Finance of Russia posted on the federal portal of draft regulatory legal acts. The Ministry of Finance of Russia confirmed the information about the intention not to increase the amount of the funded contribution to NIS participants in 2016.

Update: On December 15, 2015, the federal budget for 2016 was approved. The funded contribution per NIS participant was kept at the level of 2015: 245,880 rubles.

The first information that military mortgage savings contributions for 2016 could be “frozen” at the level of 2015 appeared this spring after the text of Federal Law No. 68-FZ of April 6, 2015 was published in open sources. However, it was expected that the contribution would be indexed in one way or another in the draft budget. However, this did not happen, and the decision of the Russian Ministry of Finance put the NIS participants in a rather difficult position.

NIS participants may find themselves in a difficult situation

In recent years, the strategy of trust management of savings funds implemented by Rosvoinipoteka has demonstrated high efficiency, but in practice this only partially protects the savings of NIS participants from inflation and from possible cases of insufficient indexation of contributions. Therefore, this decision of the Russian Ministry of Finance will affect all categories of participants in the savings and mortgage system.

For those who have not yet bought an apartment or a house with a plot on a military mortgage, the cancellation of the indexation of the contribution will mean a smaller amount of savings, which they can later use as part of housing provision or when receiving accumulated funds when they become entitled to use them upon reaching 20 years of service. , including discounted rates. And for military personnel who have already bought housing on a military mortgage, serious problems may arise. We are talking about the fact that bank loans received by military personnel are calculated on the basis of forecasted receipts of funds to registered accounts of military personnel for the entire term of the mortgage loan. And the forecasts were based on the indicators of the Ministry of Economic Development of Russia. Based on their forecast, in 2016 the funded contribution should have been indexed by 5 percent, which, as is already clear, will not happen.

Thus, the schedules that will be communicated to NIS participants in 2016 by banks will consolidate those negative changes in terms of their lengthening, which were already recorded less than a year ago. Recall that at that time the approved amount of the funded contribution, according to banks, turned out to be lower than predicted, which led to the extension of the loan repayment schedules and, accordingly, many participants in the military mortgage had so-called "tails" according to the schedules at the end of the expected loan repayment date. And in the event that a serviceman reached 20 years of service by this date and planned to quit with the loan repaid, a situation could arise in which the balance of the loan would have to be repaid on his own, or the period of military service should be extended so that the state continued to pay on the loan . Now the schedules, namely, the terms of the loan repayment, will again stretch in time. And the problem of loans not closed by the deadline will manifest itself massively in the early 2020s, which, according to calculations, account for the closure of the first wave of mortgage products issued by military mortgage participants. In fairness, it should be noted that the economic situation by this period can change many times, including in a positive direction, which will accordingly lead to an intensive increase in funded contributions and make up for the “shortage” of previous years.

Reducing the maximum size of military mortgage loans in 2016 is more than likely

It is more than possible that the conditions for lending to military personnel will worsen in 2016. To clarify the situation: there are two main parameters that determine the maximum loan amount for a military mortgage today - this is the interest rate at which a loan is provided, and the forecast value of the amount of the funded contribution for a military mortgage for subsequent years. Based on these two parameters, the bank determines the amount that it is advisable to provide the NIS participant as a mortgage loan. The amount of this amount should provide:
— maintaining the purchasing power of the NIS participant;
— the liquidity of this loan product for a credit institution, taking into account the accepted interest rate;
- Closing the loan by the due date.

Taking into account the abolition of the indexation of the funded contribution, credit institutions will reasonably consider that, based on the continuing trend, the state will transfer a smaller amount for one NIS participant over a certain number of years than was calculated. While maintaining the current interest rate, this means that the money supply allocated to the participant will be reduced to fulfill the third key condition - closing the loan on time.

In this regard, today there is a high probability that at the turn of 2015-2016 leading banks may significantly reduce the maximum amount of a mortgage loan - up to 1.5-1.7 million rubles (recall that at the beginning of 2015 due to situation, a number of banks suspended their work on military mortgages, and the maximum loan amount for NIS participants was reduced from 2.4 to 1.9 million rubles).

The situation will force NIS participants to be more thoughtful about buying a home
Given that the market value of housing continues to rise in the long term, buying a home, even with a mortgage, is still a progressive strategy. Nevertheless, military personnel should do this very selectively: do not use the services of paid intermediaries that “eat up” part of the purchasing power of military mortgages, and also rationally approach the mortgage loan.

It is advisable to use all the savings from the account to the penny and issue a smaller mortgage loan than “reserve” part of the funds in the account to compensate for the costs of the realtor and issue a mortgage loan with the maximum amount, the overpayment of interest on which will be maximum, and the repayment period will be less predictable . In addition, many military personnel today already have the amount of savings that allows them to purchase housing without using a mortgage loan, or with the addition of their own funds. Someone will choose the third option and will be right in their own way - to stay as long as possible in the process of accumulating funds in the account, counting on a successful strategy for trust management of this money.

The military mortgage program has been operating since 2005. Already in 2008, the first participants of the program were able to receive the keys to their apartments. Today, this is one of the most profitable ways for the military to acquire a good apartment not only in St. Petersburg, but also in other cities of Russia.

Who is the military mortgage-2016 intended for?

First you need to figure out who is issued a military mortgage in 2016. The legislation defines the following category of persons:

• military personnel who received the rank before the beginning of 2005, and all who served earlier;
• sailors, sergeants, soldiers and foremen who signed a contract after 2005;
• foremen of the reserve, warrant officers and midshipmen who have served for more than 3 years since 2005;
• military personnel whose military experience exceeds 20 years;
• discharged military personnel who served for more than 10 years.

Terms of military mortgage in 2016

The main "highlight" of the program is that it allows you to pay the first installment using public funds. The amount of allocated funds is regulated by the authorities and is adjusted annually in accordance with the rate of inflation. Thus, the amount of military mortgage in 2016 reaches 245,880 rubles, i.e. every month, 20,490 rubles will be credited to your account.

So, if you are in the military and want to get a special mortgage, you need to join the NIS program. It will take only three years, and you will be able to issue a certificate for the allocation of a targeted housing loan. To do this, you need to submit a report. Then you need to choose a bank, open an account there and transfer funds received from the state to it.

It should be noted that it is more difficult to get a military mortgage from a bank in 2016 than in 2015. Due to the crisis, the number of banks working with this state program has decreased. The maximum amount of money you will receive from the bank under this program is 2.2 million rubles.

Conditions for granting a military mortgage in 2016

This year there have been positive changes in the military mortgage: it has become much easier for borrowers to buy an apartment.

Briefly about the changes:

• you can choose any apartment in any area you are interested in;
• no need to wait for the Ministry of Defense to allocate you an apartment;
• you will receive an apartment, even if you already have your own property;
• since the state vouches for you, the risks of the bank decrease, which means that the interest rate also decreases;
• if you have enough personal savings, then you can add them to the down payment and buy better housing;
• you can apply for a mortgage twice. To do this, you need to fully repay the first CHL at the expense of your own savings.

"M16" will help!

Often, obtaining a mortgage involves a lot of bureaucratic delays. To make the process of buying a home easier and simple, contact M16-Real Estate.

I can say that Sviaz-Bank, at least in Moscow, works out everything quickly. The mortgage is prepared 3-5 days after the application is submitted. I got all the certificates for a new bank from them in a couple of minutes.

I WANT TO GET RID OF THE MORTGAGE! I am a military man, preferential length of service 25 years! 6 years ago (in 2012) I bought an apartment on a military mortgage, took 2,200,000 rubles from the bank! To date, the debt remained exactly 2.000.000! i.e., 200,000 rubles were paid off in 6 years. Sviaz-bank 10.5%.

Refinancing in Promsvyazbank.
I'll tell you my story of refinancing, which is almost over. Rather, everything has already been issued at the bank, it remains to issue it in the registry office.
Background. The bank, in which I originally took a loan, "burst", respectively, all the ends went to the Deposit Insurance Agency. and this organization cannot even provide a payment schedule, they only say the amount of the balance of the debt. And so I chose Promsvyazbank for refinancing. In Moscow. Mortgage Center in China City. I must say right away that if it is possible to choose a mortgage center in Varshavka, it is better to go there.
In China, the city is always busy, they don’t answer the phones, only e-mail, and then once a week.
Therefore, the entire refinancing took three months. DIA + Promsvyazbank to China City = three months.
To get a certificate of the balance of the debt, I waited a month. Then it became irrelevant and I called them, wrote, explained that the certificate that is being made for a month will never be relevant. We made another one for the refinancing date. The rest of the time, the bank made brains. I had to come and talk with the management, so that at least something would move. They explained that there are many applicants and few specialists.
In the end it worked out.
From my money I spent:
4500 new estimate
3950 for using the loan until the first payment.
I did insurance in the same insurance company, it turned out that they owe me 200 rubles.
An extract from the house book. Free of charge. Its validity period is a month, so I took two.
Now I received an old and a new mortgage, it is necessary to register it in the registry office, it will be another 2000.
Rate 8.9%
Payments are fixed.
Loan amount 1.5 million
Something like this.
In principle, everything can be arranged within a month, if we exclude the factors that I had