Mortgage loans under which the customer acquires property and undertakes within the specified period to repay the debt. As security for performance of obligations the property is transferred in pledge to the Bank. The buyer can also pledge other properties. Conditions of this type of lending in Russia is quite hard. Therefore, the government along with the banks provides for certain categories of citizens of their maintenance programme. More about what constitutes a social mortgage in Kazan, the conditions of its receipt you will learn from this article.
Housing under the social mortgage is unprotected categories of citizens who are not able to purchase an apartment in a commercial program. The main difference lies in the small cost of 1 sq. m of living space. Borrowers there is no need to save up for years to the money to buy the apartment. They can stay in housing immediately after placing the loan and register there family members. Another advantage consists in the additional safeguards that are provided by the Bank and the government. The credit institution checks all documents, insures life of borrowers and assets, the interest rate for the service is not changed until the expiration of the agreement.
Social mortgage for public sector employees (Kazan) is available in the following conditions:
A List of demands dictate not only commercial banks, but also governments. The first to impose limits on citizenship, residence and seniority etc. the requirements of the authorities relate to more real estate objects and their location.
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The Main drawback of a mortgage is a significant overpayment, which may exceed 100% or more. It includes the Bank's fee for services, all services, monthly insurance payments, etc.
Social mortgage in Kazan is provided in the framework of the project "Salavat kupere". On the territory of the residential complex in the Kirov region allocated 400 hectares, which will be constructed 1,4 million in sq. m of living space. Here is already home to more than 50,000 people that can use the developed infrastructure: 22 kindergartens, 7 schools and several clinics. In 2014 was commissioned 6,5 thousand apartments with a total area of more than 380 thousand sq m. the Plan for 2015 - 5649 apartments with an area of more than 345 thousand square meters.
In the framework of the Federal program "Dwelling" includes:
The Issue of providing citizens with housing is acute in Kazan and Tatarstan. But in these regions there are some nuances of service. In accordance with the legislation, the state support available to people who need improvement of living conditions, consisting on the account, as well as persons working in organizations that have implemented cash infusion. In Kazan there is another problem: the municipal land, almost fully used, the construction is carried out on the site of the demolition of houses or in industrial area.
For residents of Kazan and Tatarstan are the following subspecies of the program "Social mortgage"
Let us Consider in detail each of them.
To support novice teachers, who are younger than 35 years, we have developed a special procedure for granting compensatory payments. Participants can receive a subsidy of 10% of the cost of housing for payment of an initial contribution. The money provided if the employee worked in the position for more than one year and agrees to work another 5 years in the same place.
Spouses who have not attained the age of 35 years are eligible to apply for a grant within 35% of the cost of housing, and the family where there is at least one child - 40%. Housing must meet standards: 18 sq m per family member. The maximum age of both spouses is 34 years old. The family must be enrolled in the register for housing and also to have on hand a sum in excess of the subsidy that is provided in the framework of the program "Social mortgage".
Where to apply for entry in the register of applications for the subsidy? In the local Executive authority. If the decision is positive, the attendee a special certificate, and the subsidy is transferred to the account of the partner Bank.
The student construction teams worked 150 shifts, can apply for a mortgage for the cost of the apartment. This is three times cheaper than the market price. More information can be found on the website of the public organization "Russian student teams".
To reduce the financial burden on the family under the state program provides for the installment payment. It depends on the original value of the home, the amount of accumulated contribution and the monthly amount of income. Under the program, if the family has a child, after making the loan, it receives financial compensation in the amount equivalent to the cost of 18 sq. m of purchased housing. But this amount must not exceed outstanding debt.
For credit must submit to the Bank the application and copies of the following documents:
Additional may be required:
Together with the copies at the time of submission you need to submit the original.
If the prospective borrower is a business owner, you must provide the Bank with documents proving the stability and dynamics of development. IE will require the certificate of registration of the license for implementation of activities, the documents confirming payment of fees, account statements, copies of leases, etc.
Non-Residents that operate in the territory of the Russian Federation, must provide a copy of the residence permit and work permit.
Having Considered the documents, the Bank makes the preliminary determination. If it is positive, the client can move on to choosing a specific property. He must meet the conditions of the program. After selecting the borrower should collect the title documents for property valuation.
Based On the estimated amount of housing formed the credit limit. It is no more than 80-100% of this figure. Because social mortgage in Kazan, a long - term type of lending, the Bank requires guarantees in the form of risk insurance of disability, of the right of ownership or property damage. Then the client needs to sign a contract with the Bank. With its form the borrower can access in advance at the stage of collecting the documents. In some cases, you must sign a contract of sale from which the mortgage follows the law. In addition, you also need to get a mortgage - a security that entitles the creditor to obtain performance of an obligation. Ends the process of obtaining the registration documents. Here's how to get social mortgage.
The state in the framework of special programs allows some categories of the population to acquire a dwelling loan. The loan is for 28 years at 7% per annum, provided that the person can pay the initial fee. To participate in the program must register with the state administration of the district and collect the documents.
...Article in other languages:
KK: https://tostpost.com/kk/arzhy/15662-leumett-k-ipoteka-tt-leumett-k-ipoteka-zhas-otbasy.html
TR: https://tostpost.com/tr/maliye/15669-sosyal-ipotek-kazan-sosyal-mortgage-gen-aileler-i-in.html
Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."
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