"Rosvoenipoteka": how to know which the amount in the account registration number?

Each soldier of the former Soviet army, knows firsthand how difficult it is to get housing to person who has put on epaulets. Years of standing in the housing queue and wandering around the garrison did not guarantee getting the coveted square meters by the time of departure on a holiday.

The Program of concessional lending

Today the situation is radically different. Using the cumulative mortgage lending, a soldier can acquire a personal residence. after a few years of service.

Each month the state transfers to the account of the soldier a certain amount, which is increasing every year. Already in 36 months accumulated a capital sufficient to make a down payment on your mortgage. Control and credited the organization called “Rosvoenipoteka”. How to find out the amount in the account has accumulated to a particular point? The answer to this question is very important. Because such data make it possible to assess their financial situation and to determine the willingness to purchase housing.

Savings

So, you have the military mortgage. How to find the amount in the account has accumulated to a certain point, we will describe below. Now, let's talk about what rules there is an accumulation of funds:

• Money monthly do on the personal account of the member loyalty program.
• Enumerations are carried out until, until the soldier would not issue a mortgage loan. After the money start coming at the expense of financial institutions.
• Get your hands on money is impossible. And they can be used only for housing.
• To Participate in the program are only those who passed the registration.
• Use the accumulated funds can be no earlier than 36 months from the date of registration.
• A Member may purchase a house at a higher cost than foreseen. In this case the difference will need to pay from personal savings.
• The Bank in which you plan on obtaining a mortgage to be accredited to participate in the program for the military.

However, not every soldier can decide to buy housing even at the “Rosvoenipoteka”. How to find the amount in the account, would it be enough for a down payment? Whether to wait until they save more money? To answer these questions we will try below.

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Building Rules

The Conditions that contribute to the accounts of participants of the state system of NIS, stated in the Decree of the Russian government. According to the document, the beginning of the formation of the accumulated amount in the member's account shall be the moment of occurrence of the basis for any army in the registry. However, he does not depend on the date of entry or from when it was opened a personal savings account. The amount of savings consists of two streams: houses, monthly incoming budget, and income from investments.

The First part is set by law and increases annually. If in 2005 the amount of fees accounted for only 37 thousand Russian rubles, in 2015 the amount reached 245 thousand RUB 880 More annually (in addition to 2016) contributions are indexed by increasing level of inflation. So I can't be less than last year.

The Second part of the savings generated by investing available amounts in higher-yielding assets to choose who has the right “Rosvoenipoteka”. How to find the amount in the account accumulated to the current day? Is it possible to start the loan? It turns out that make it pretty easy.

How can I determine the balance on the account?

The easiest way — to send a routine query on place of service. After a short time you will receive a full response. Your guide will give it all the same «Rosvoenipoteka”. How to find the amount in the account if you wait long enough the answer is not I want? Do it yourself can be quite fast. You need to pass a standard and simple registration on the website «Roveniemi”. It is called — rosvoenipoteka.ru. It contains all the information about the members of a program called “Military mortgage”. How to know how much money is in the account? Just go to "Personal account" and send the request. In addition, each year up to April 15 the program participant NIS certainly receives a letter, which contains information about the status of the savings account.

Registration

So, go to the organization's website «Rosvoenipoteka”. How to find the amount in the account registration number? It will have to enter their data into the form at the website. It is very simple. Find out on the website (top right) button with the words “Registration”, click on it and enter the standard items: name, email address, your preferred password. Now looking for the inscription "Change data” and introduced more information: the final 10 digits of the participant of NIS, the date from which you have any reason to be registered in the registry. Then click “Save”. Once all required data is complete, you can send the expert a request for status of a personal savings account.

Conclusion

As you can see, information about how much money is in the account (“Military mortgage”) to learn is incredibly simple. After receiving all the required information, you can accurately calculate when it will become possible the long-awaited acquisition of real estate.

Also pay attention to a few points. First, when a soldier at his own request dismissed from the armed forces after serving in the army for 10 years and not having to exercise the right to buy housing on military mortgage, all accumulated funds shall be returned to the state budget. The personal account is closed. Secondly, if the apartment was bought, and a soldier left, not dolariv cherished 10 years, he is supposed to return all the money. The period shall be at the discretion of «Roveniemi”. It depends on the solvency of the borrower and the amount of debt. Housing remains in the ownership of a former soldier. And the balance of the amount owed to him he will have to pay yourself.