The government is renewing support for mortgage borrowers in difficult financial situations. Formally, assistance is provided for ruble and foreign currency loans, but mainly foreign currency borrowers will be able to use it

Photo: Oleg Kharseev / Kommersant

The government published on the official website the terms of the renewed program of assistance to mortgage borrowers in difficult financial circumstances. As follows from the government decree, the updated program allowing citizens to receive assistance from the state will be stricter than the previous one. The key change is that although the updated program formally applies to both ruble and foreign currency loans, in fact only foreign currency mortgage borrowers and people who have a loan in rubles, but with a variable rate, are eligible for it.

The total volume of the updated program is 2 billion rubles, the document says. Its extension will make it possible to restructure at least 1.3 thousand mortgage loans, as indicated on the government website. As part of the updated program, banks will restructure a problem foreign currency mortgage at a ruble rate for a client not exceeding 11.5% or a ruble problem mortgage at a rate not higher than the rate in effect on the date of loan restructuring.

The program itself comes into force seven days after the publication of official legal information on the website, that is, on August 22, explained Alexey Nidens, managing director of the Agency for Housing Mortgage Lending (AHML, program operator). “But borrowers can seek advice and submit an application to banks for participation in the program now - the procedure for working under the program is already well known to most credit institutions,” says Niedens. From August 22, banks participating in the state support program will be able to send their borrowers’ applications for consideration to AHML, explained Tatyana Ushkova, Deputy Chairman of the Board of Absolut Bank. The end date of the program is not established in the document - it will end as the funds provided by AHML are exhausted.

As AHML clarified, 97 banks that previously collaborated with AHML under the previous version of the program will participate in the program. RBC surveyed large mortgage banks, but in the evening only Sberbank, Absolut Bank and Sovcombank were able to promptly give a positive answer about participation in the updated program. The rest of the mortgage market participants surveyed did not have time to respond to RBC's request.

The state program to support mortgage borrowers was launched in April 2015 and was valid until May 2017. The government allocated 4.5 billion rubles for the first version of the program. In fact, the program ended ahead of schedule - banks chose the provided limit in March 2017.

Initially, the program provided for the restructuring of ruble and foreign currency mortgage loans at a rate not exceeding 12% per annum and compensation of part of the monthly payment (but not more than 1.5 million rubles in total). Since December 2016, for a family with one or two children, the maximum amount of assistance was 20%, but not more than 600 thousand rubles. For all other categories of citizens listed in the resolution (including citizens with disabilities, veterans) - 30% and 1.5 million rubles.

According to the banks participating in the program, during the period of its implementation, over 50 thousand applications from citizens for the restructuring of mortgage housing loans were received. Of these, assistance was approved for 19 thousand borrowers. As the Kommersant newspaper wrote, 16 thousand applications at the end of the program met the requirements, but were not restructured due to the depletion of the AHML fund. Now these borrowers will have to apply for help again, as stated in the new government decree.

What's new in the terms of the program?

The main difference between the new program and the old one, which is precisely what cuts off problem ruble borrowers, is framed as a new condition for participation in the program for borrowers, which did not exist before. Namely: it will be possible to participate in the program only in the event of a sharp increase in the size of the monthly payment - by no less than 30%. “As a result, as Vadim Pakhalenko, director of the mortgage lending directorate at TKB Bank, clarifies, in fact, only foreign currency mortgage borrowers and people who have a loan in rubles, but with a variable rate, are eligible for the program.”

“We must understand that the first wave of the program to support mortgage holders in difficult situations was more focused on holders of ruble loans - only a small share of the previously allocated 4.5 billion rubles. fell on foreign currency mortgage holders,” says Vyacheslav Putilovsky, junior director for banking ratings at Expert RA. “But the problem of foreign currency mortgagers remains, and, apparently, the government decided to make such a cutoff for ruble mortgagers in order to at least partially solve the problems of the former. I think this is quite fair, considering that only 2 billion rubles have been allocated for the second wave.”

Previously, the approach would have been different. According to Elena Kovyrzina, director of the retail business lending department at Absolut Bank, during the last program at their bank, the bulk of the restructuring fell on clients with ruble mortgages - these turned out to be 65% of the total number who received support. It will also not be possible to reconstruct a recently issued mortgage. The new resolution clarifies that you can apply for participation in the program only if the “life” of the loan has already exceeded one year.

The collateral housing, as previously provided, must be the only home of the borrower’s family starting from April 30, 2015 before the date the borrower submits an application for participation. But AHML will now independently check data from the Unified State Register of Real Estate, Nidens adds. As one of the participants in the discussion about extending the program explains, this was done in order to relieve citizens of the financial burden of preparing documents - an extract for one family member costs about 1.5 thousand rubles.

Another innovation is the creation of an interdepartmental commission that will have the right to make decisions on providing support to citizens who are in dire need of help, but do not formally meet the necessary two conditions of the program, Niedens explained. Such a commission is needed to make decisions in borderline situations - for example, when the area of ​​an apartment exceeds the established standard by 1 sq. m. m. Also, by decision of the commission, in exceptional cases, the amount of assistance from the state can be increased, but not more than twice, Niedens clarified.

The composition of the commission must be determined before September 1, 2017. It will consist of representatives of federal executive authorities, the Bank of Russia, State Duma deputies and the Commissioner for Human Rights, the press service of the Ministry of Construction said. “Now we are finalizing and preparing for approval of the documents necessary to begin the full work of the commission.

Recently, the level of problem debt of the population has risen sharply. This is especially true for a mortgage loan, readweb.org reports. The first reason for this state of affairs is the depreciation of the Russian ruble. Therefore, the State Duma developed a program to support borrowers. The resolution on supporting mortgage borrowers was developed back in 2015. And it became possible in 2016, reports c-ib.ru.

Essentially, government assistance consists of restructuring a mortgage loan. After concluding an additional agreement regarding such restructuring, the interest rate on such a loan will decrease to 12% per annum. The lender also has the right to grant the borrower a deferment; monthly payments can be postponed for some time. As a result, the credit burden on the client will decrease.

AHML, assistance to mortgage borrowers 2017 terms, package of documents: Conditions for restructuring mortgage loans

In order for a mortgage loan to be subject to restructuring, the program provided for a number of conditions. Firstly, the borrower must be a person who has children under the age of majority. Also persons with disabled children. This category includes persons who participated in hostilities.

Moreover, persons who have experienced a decrease in their earnings by a third or an increase in mortgage loan repayment amounts by thirty percent are covered by the above project.

To determine the level of income and consider the amount of repayment of mortgage loans, a three-month period is taken before receiving a loan and an application period for restructuring. The same applies to a foreign currency mortgage loan; the moment of receiving the loan and the moment of applying for support are taken into account. All settlements are made in national currency at the rate established by the Central Bank at the time of settlement.

The total amount of family income is taken into account, and in relation to the average regional income level. In the event that the amount of earnings exceeds the minimum income by two times, support will be denied.

The moment of receiving the loan also plays a role; if it is received earlier than a year, there can be no talk of restructuring. Loans in any currency are also subject to restructuring, c-ib.ru reports. There is one more point that is mandatory.

The real estate that is secured by such a mortgage loan must meet the following conditions: residential buildings must be purchased specifically with a mortgage. They should be subject to fifty percent shared ownership of the person who took the loan. The price of one square meter should not exceed the cost of a square meter of an apartment on the secondary market or the primary market. All data is taken into account specifically for the region according to official data from Rosstat.

The status of a large family is assigned to families with three or more children. The amount of debt on such a loan, as well as the borrower’s participation in previous restructurings, are not taken into account and do not matter.

AHML, assistance to mortgage borrowers 2017 terms, package of documents: Subsidy guarantee

In order to achieve restructuring according to the state program, it is necessary to contact the creditor bank directly or its legal successor, despite the fact that the project is being implemented through the EIRA. It provides a guarantee of subsidies.

The main condition is the participation of the creditor bank in the state project to support mortgage borrowers, therussiantimes.com learned.

At the moment, they are only a sixth of all financial institutions in Russia.

AHML, assistance to mortgage borrowers 2017 terms, package of documents: Mandatory list of documents

First of all, the borrower fills out an application form where he declares his intention to restructure. The appropriate form for such a statement was developed by legislators. In addition to the application, you must submit the following documents:

Confirmation that the borrower belongs specifically to the category of persons who have the right to restructuring (child’s birth certificate, disability certificate):

A work book and its copy are provided;

Certificate of income;

Copy of the agreement;

Loan repayment schedule;

Real estate valuation report at the time of receiving the loan;

Agreement for participation in shared construction.

Extract from the state register on the condition of the collateral property.

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The beginning of 2008 was marked by the onset of an economic crisis in the country, which led to a sharp weakening of the national currency, the ruble, and, as a consequence, an increase in the exchange rates of major foreign currencies. All housing loan borrowers, especially those who took out a mortgage on real estate in dollars or euros, suffered from this.

Numerous public rallies that took place across the country forced the state to look for ways to stabilize the situation in the mortgage lending market, which ultimately led to the creation of the AHML program to assist mortgage borrowers, which is also valid in 2018-2019. The main conditions of the program, package of documents, form and amounts of support are described below.

By adopting Resolution 373 in 2015, the Russian government provided a separate list of borrowers with the opportunity to restructure. This regulatory act defines the conditions for implementing the assistance program for AHML borrowers who find themselves in a difficult financial situation. What was determined?

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The requirements for debtors have been established

Persons who have n/l children, disabled children, or who are classified as combatants can count on assistance.

On the date of applying for restructuring, the total income of the citizen who took out the mortgage, divided by the number of all members of his family, excluding the mortgage payment, is 1.5 times below the subsistence level.

The person who received the loan can document a decrease in the total income of his family for the last three months before applying for restructuring by more than 30% relative to the average monthly earnings for the last calendar year, or an increase in the payment under the loan agreement by more than 30% compared to previously produced.

The registration of a mortgage loan must precede the 12-month period for a citizen to apply for economic support.

Conditions for a mortgage loan

The conditions that the issued mortgage loan must meet are determined:

• • the purpose of the issued loan is shared construction, major repairs or other inseparable improvement of housing, or refinancing of a loan issued for these purposes;
  • late payments on the loan last from 30 to 120 days inclusive from the date of application;
  • The mortgage loan was issued starting from 01/01/15.

The credit institution that issued the loan must be a participant in the program. Otherwise, obtaining support is impossible.

Requirements for mortgaged residential property

The following requirements apply to property secured by a mortgage agreement:

• Mortgage housing is the only one for a citizen, while the person who has taken out a residential loan is allowed to own a common part of the ownership of another dwelling, but not more than 1/2 in any housing facility;
• cost of 1 sq.m. Mortgage property should not be more than 50% higher than the similar price prevailing in the secondary or primary housing market, the calculation of which takes into account regional cost indicators and information from the statistical body at the time of concluding the loan agreement.

For borrower families with 3 or more children, requirements regarding the price and area of ​​mortgage housing are not applied.

For the possibility of applying state support to a borrower under the assistance program of JSC AHML within the framework of Resolution No. 373, the size of the debt on the mortgage loan, the currency of the loan and the facts of the borrower’s participation in previous restructurings are not important.

AHML borrower assistance program: package of documents for participation

The list of documents requires the borrower to confirm its compliance with the conditions of the 2017 state mortgage restructuring program with the help of AHML.

This includes the following documents:

• application for restructuring - the form is filled out at the credit institution personally by the borrower or a bank specialist;
• certificates, certificates, certificates confirming the citizen’s attitude to the categories established by Resolution No. 373 (on the birth of children, on participation in hostilities, on disability);
• information about the borrower’s financial condition, indicating a drop in his level of well-being by more than 30% (2 personal income tax certificates, from the employment center, tax returns, etc.);
• copies of the loan agreement, payment schedule, certificate from the mortgagee, appraisal report of the collateral at the time of loan processing, etc.
• agreement on shared participation in housing construction;
• extracts from the Unified State Register of Real Estate issued by Rosreestr as collateral for a mortgage loan, other real estate owned by the borrower and his family members.

The final list is compiled by the financial institution and clarified by the borrower directly with the lending bank.

The validity period of the mortgage borrower assistance program was extended at the government level by decision of February 10, 2017 No. 127 until May 31, 2017 inclusive (further extension is possible). Reimbursement under the AHML mortgage loan borrower assistance program is provided for housing loans for which restructuring agreements were concluded before May 31, 2017.

You can receive monetary program support as mortgage assistance from the state AHML at the lending bank (its successor in the event of the first being deprived of its license or in the event of its bankruptcy) at the place where the restructured loan was concluded. The main condition of the AHML assistance program for mortgage borrowers is the participation in it of the bank that issued the mortgage loan.

Form and amount of support under the AHML assistance program

In accordance with the edition of Resolution 373 of 2017, the maximum amount of compensation for each loan for families with two or more children was increased to 30% of the balance of its amount as of the date of conclusion of the restructuring agreement, but not more than 1.5 million rubles.

The borrower independently chooses one of the forms of providing him with economic state assistance established by the government under the AHML assistance program:

• writing off the loan amount in a single payment;
• reducing the amount of the mandatory payment made every month on the loan for a period of up to 12 months in total for the entire period up to 200 thousand rubles;
• forgiveness of part of the debt when the loan currency is changed to ruble;
• transfer of a foreign currency loan into a ruble loan;
• failure to make payments on the principal debt for a certain period with their postponement to a later date.

The maximum possible amount of support is a reduction of the loan amount by 10% of the outstanding debt.

Important! The volume of assistance provided per borrower cannot exceed 1.5 million rubles, and for a foreign currency mortgage loan - the rate is reduced to no more than 12% per annum for the period of validity of the loan agreement, for a ruble mortgage - to the rate the amount of which is applicable during restructuring.

An increase in the rate is possible only if the borrower significantly violates the terms of the loan. Charging borrower fees or charges for assistance in the Mortgage Assistance Program is prohibited. The support applies only to loan payments, excluding other obligations of the borrower, for example, those associated with insurance or appraisal.

Today we will talk about what the mortgage borrower assistance program is and how exactly you can get help paying off your mortgage
from the state in 2019.

Program for assistance to mortgage borrowers in 2019 from the state, changes and additional 730 million.

Today you will learn:

• What is this program to help certain categories of mortgage borrowers?
• How to get help paying off a mortgage from the state?
• Reviews of those who received government assistance in paying off their mortgage.

What you can get

Mortgage has become one of the effective tools for solving the housing problem in Russia. Yes, it has a number of disadvantages and advantages, which we will consider in a separate post of our project, but this is a real opportunity, especially for young families, to purchase housing.

With the onset of another economic crisis, the state had to provide support to mortgage borrowers who found themselves in a difficult financial situation. In April 2015, the corresponding 373 Decree of the Government of the Russian Federation dated April 20, 2015, signed by D.A. Medvedev. The operator for the implementation of this project was JSC Agency for Housing Mortgage Lending.

Initially, this resolution provided for the validity of the assistance program until the end of 2016, but changes and additions were repeatedly made to it.

Today, according to the latest amendments to 373 Government Resolution dated November 24, 2016, assistance to mortgage borrowers (mortgage restructuring) valid until March 1, 2017(extended until May 31, 2017 by Decree of the Government of the Russian Federation dated 02/10/2017 No. 172, from 03/07/2017 the acceptance of new applications has been suspended due to the expenditure of funds under the program.

However, in July 2017, an additional 2 billion rubles were allocated from the government fund to resume the program. On August 11, 2017, new conditions for participation in the program to help mortgage borrowers were released - Russian Government Decree No. 961, which you will learn about from this article) and are as follows:

• The borrower's mortgage obligations to the bank are reduced in the amount of 20% to 30% of the balance (at the discretion of the lender's bank), but not more than RUB 1,500,000.
• By agreement between the borrower and the bank, you can choose the format of assistance, namely, either use the entire amount of mortgage assistance to pay off the principal debt and thereby reduce the monthly payment, or to reduce the monthly payment by 50% or more for up to 1.5 years.
• Replacing foreign currency mortgages with ruble ones. Moreover, the mortgage rate cannot be higher than 11.5% per annum. For a ruble mortgage, not higher than the current bank rate, except for cases provided for in the mortgage agreement, in case of violation of insurance rules.
• Before September 1, a special interdepartmental commission must be created that will be able to increase the maximum payment under the program by 2 times and approve applications for participation if there are deviations from the basic conditions, but not more than in two points.

Example:If a family has a mortgage balance at the time of restructuring of 2 million rubles and, after checking the AHML documents, the creditor bank decided to write off the debt in the amount of 20% of the balance of the principal debt, then with a mortgage of 12% per annum with a remaining term of 10 years, the payment will be reduced from the planned 28,694 rubles. per month up to 22955. Benefit 5739 rubles.

There is an opinion that very often banks refuse to carry out mortgage restructuring, but in fact this procedure is very beneficial for them because losses incurred by the bank (lost interest income) due to early repayment are compensated by the state.

Changes to the mortgage assistance program dated 02/10/2017 suggest that the maximum compensation of 30% of the balance (up to 1.5 million rubles) is compensated by the state only if there are two children in the family or you are disabled (disabled child), and military veterans can also apply actions. With one child you can only claim 20%. Changes dated August 10, 2017 allow the maximum payment to be doubled by decision of a special interdepartmental commission.

Having analyzed the negative reviews about mortgage repayment with the help of the state, our experts came to the conclusion that most often the basis for refusal is inaccurate information provided by the borrower and lack of knowledge of the basic requirements and conditions of state support. Let's talk about them now.

Important point! Acceptance of documents under the Program has been suspended since December 2, 2018 and the program is no longer operational.

Who can receive support from the state

Government Decree No. 373, as amended on November 24, 2016, provides the following list of persons to whom the state can help pay mortgage payments:

• Citizens of the Russian Federation with 1 or more minor children;
• Guardians (trustees) of 1 or more minor children;
• Participants in hostilities;
• Disabled people or families with disabled children;
• Citizens with dependent children under 24 years of age who are studying full-time at an educational institution.

Requirements for mortgage housing

To receive assistance from the state, the mortgaged apartment must meet these characteristics:

• Should not exceed the total area for a one-room apartment - 45 sq.m., for an apartment with two rooms - 65 sq.m. and for three rubles or more - 85 sq.m.
• Cost of 1 sq.m. the total area of ​​housing exceeds no more than 60% of the average cost of a typical apartment in your region on the date of conclusion of the loan agreement (according to the Federal State Statistics Service).
• The residential premises must be the only one for the mortgage borrower. In this case, it is allowed to have a total ownership share of no more than 50% of all family members in one other residential premises. The availability of property is counted from 04/30/2015. Those. It will not be possible to quickly rewrite/donate “extra” real estate in order to become a participant.

Important point! The requirement for the total area of ​​mortgage housing and the cost per square meter does not apply to families with 3 or more minor children. If you have more than 50% of the property in another home, then you will be denied the program, but you can transfer it to relatives and then everything will be OK. From August 11, 2017, disputes regarding square meters and deviations under the program must be resolved by a special interdepartmental commission, which will be created in September.

Requirements for mortgage borrowers

• Russian citizenship
• Your income is less than twice the cost of living where you live for each person in your household, subtracted from your monthly mortgage payment. The last three complete months are analyzed. In this case, the mortgage payment must increase by at least 30% of the initial payment.

Those. This program is only suitable for foreign currency mortgages and those borrowers with a floating rate. For ordinary mortgage borrowers, it is impossible for the current payment to be 30% higher than the original payment. But when the interdepartmental commission starts working, it will be possible to submit an application there for consideration, because Up to 2 deviations from the conditions are allowed. Deviation for increasing the monthly payment, among other things.

If you have a co-borrower in the mortgage and he has a registered share in the ownership of this apartment, then he is obliged to provide a full package of documents both for himself and for his family members.

Now answer these questions.
If you receive the answer “NO” to one of them, then you will not be able to qualify for participation in the mortgage borrower support program in 2018:

1. Do you have minor children or are you a guardian (trustee) of such children?
2. Housing purchased with a mortgage in Russia?
3. Are all mortgage borrowers citizens of the Russian Federation?
4. After subtracting the mortgage payment, is the income for each member of your family less than twice the cost of living in your region?
5. Has your payment increased by 30% from the original schedule?
6. Is the mortgage issued for the purchase of finished housing or housing under construction?
7. The total housing area is less than 45 sq.m. for a one-room apartment, 65 sq.m. for two-room apartment and 85 sq.m. for three rubles and above (except for families with 3 or more children).
8. Cost of 1 sq.m. no more than 60% of the average cost per square meter in a typical apartment in your region?

If all your answers are “Yes,” then you will be able to receive support from the state in paying off mortgage loans.

How to get government support

Now you already know that you can count on support from the state in repaying the mortgage . Now all that remains is to find out how to get it.

First of all, you need to contact the bank where you received your mortgage. Almost all major banks participate in this mortgage assistance program.

The full list can be downloaded from the link.

As a rule, this issue is dealt with by the department for working with overdue debts. You just need to call your bank's contact center and find out where it is located.

The bank will give you a list of documents for state support for mortgages. A sample list is presented below:

1. An application form with a mandatory indication of the reason for providing you with assistance from the state (decrease in income, layoff, maternity leave, etc.).
2. Passports, birth certificates of minors of all family members.
3. Marriage certificate (if the marriage is registered).
4. Certificate of divorce, change of full name, parents and children, parental agreement on the child’s residence with one of the parents (if required).
5. A decision of the guardianship authorities or a court decision to establish guardianship (for guardians and trustees).
6. Combat Veteran Certificate (for veterans).
7. Documents on disability of the borrower or co-borrower or their children.
8. Birth certificate for dependent persons under 24 years of age.
9. Certificate of family composition to confirm the residence of a dependent under 24 years of age with the borrower/co-borrower.
10. A certificate from an educational institution stating that a child under 24 years of age who is a dependent of the borrower/co-borrower is studying full-time.
11. Notice from the Pension Fund that a dependent person under 24 years of age does not have independent labor income.
12. A certified copy of the borrower/co-borrower’s work record.
13. Official certificate of employment (for military or law enforcement officers).
14. Certificate of registration of individual entrepreneurs (for individual entrepreneurs).
15. Order of the Ministry of Justice of Russia on appointment as a notary (for notaries).
16. Work record book and/or expired employment contract for the unemployed.
17. Document on registration with the employment service (for unemployed people).
18. Notification of the pension fund about the status of the personal account of the insured person (for everyone).
19. Certificate from the Federal Social Insurance Fund of the Russian Federation about income due to temporary disability, benefits and other payments.
20. Certificate of income in form 2 of personal income tax or in the form of a bank from all family members.
21. Bank certificate on the total family income (provided by the bank).
22. Tax returns, patents, etc.
23. Certificate of pension amount for pensioners.
24. Loan agreement
25. Mortgage note (if issued, it is in the bank).
26. Application from borrowers about the availability of real estate in Russia.
27. Equity participation agreement (for a mortgage on a new building).
28. Mortgage collateral valuation agreement.
29. Technical/cadastral passport for residential premises.
30. Mortgage payment schedule.

The list is quite impressive and will make you run a little, but it's worth it. The only point that is quite difficult is extracts from the Unified State Register of Real Estate. They cost money. One extract on property rights throughout Russia is 1,500 rubles per person and no one will return it to you if you refuse. Last time there were a lot of complaints about this. As of August 11, 2017, the requirement to have an extract from the Unified State Register has been cancelled. The bank has no right to demand it. AHML independently requests it.

After a complete list of documents is provided to the bank, the responsible employee must send them to AHML for verification. On average, it lasts 30 days, but feedback from participants indicates that it can last up to six months. The bank and AHML request additional documents at their discretion.

When AHML makes a positive decision, the bank will notify you of the date of the meeting. Next, you will need to sign a new payment schedule, a new PSK document, enter into a restructuring agreement (additional agreement to the mortgage agreement), and an agreement to change the terms of the mortgage. Next, you will need to wait from 2 to 4 weeks, when the mortgage will be requested from the bank’s archives. After this, it is necessary, together with a complete package of loan documents and an agreement to change the terms of the mortgage (be sure to make copies), to visit the justice system for state registration of changes.

The process is similar at Gazprombank. VTB 24 closes your mortgage and issues a new loan for a smaller amount, which means that you again have to pay for insurance and appraisal.

There is no charge for mortgage restructuring. Carrying out this procedure does not relieve you from paying the monthly payment and insurance premiums stipulated by the contract.

Conclusion

There are a number of negative and positive reviews for this program.

Positive:

• A support amount of up to 600,000 rubles can help reduce your mortgage payment.
• Reducing your mortgage payment can help ease a difficult financial situation.

Negative:

• Large list of documents.
• Lack of transparent mechanisms for tracking the stages of application consideration.
• Long processing times.
• There is no mandatory requirement to state the reason for refusal.

From this we can conclude that the assistance program is indeed a good tool to support mortgage borrowers, but the mechanism for its implementation is complex, clumsy and opaque, which leads to negativity from the population.

I hope now everything is clear to you, how pay off the mortgage with the help of the state.

Important point! If you have submitted an application for participation previously, but have not received a response, then you need to collect all the documents again and submit the application again.

If you were unable to participate in this program, we recommend that you consider another type of support for mortgage borrowers - Detailed conditions are described in a special post. Read on.

In October 2018, Dmitry Medvedev signed a government decree to continue the program to help mortgage borrowers. An additional 730,000,000 rubles were allocated for the implementation of this program.

Video: Hotline launched for mortgage borrower assistance program

When the Housing Mortgage Lending Agency (AHML) announced at the end of May that state support for mortgage borrowers who had problems repaying their debt had ended, those who did not manage to fit into the program became worried. At that time, 19 thousand families were able to receive assistance, but there are still enough mortgage debtors in Russia.

Financial Ombudsman Pavel Medvedev: “The fact that the program has been resumed is very good.” Photo: Mikhail Sinitsyn/RG

With the help of the program, which began operating on August 22, at least 1.3 thousand more mortgage borrowers will be able to restructure their debts. The state has allocated 2 billion rubles for these purposes, Managing Director of the Housing Mortgage Lending Agency (AHML) Alexey Nidens said at a press conference at the Rossiyskaya Gazeta media center.

Last time, by the way, 4.5 billion rubles were spent to support mortgage borrowers - that is, twice as much as is currently planned. And this is not the only difference between the new program. The previous one lasted two years, now the period is not specified - everything will end when the funds are exhausted. In addition, the state has adjusted the conditions for citizens to receive mortgage assistance.

Families with minor children and children under 24 years of age who are studying full-time at universities can become participants in the program. The state can also help disabled people, parents of disabled children and combat veterans - all those who belong to social categories and for whom assistance from the budget is truly justified.

In addition, all applicants for state support must meet a number of other criteria. In particular, the collateral apartment must be the only residence. Moreover, its size still matters. Thus, the area of ​​a “one-room apartment” should not exceed 45 square meters. That is, the state will not help restructure the mortgage received for an elite cottage. However, it is allowed to have a combined share of the borrower’s family members in the ownership of another residential premises (but only one!). To confirm rights to other housing, the borrower does not need to provide information from the Unified State Register of Real Estate. AHML will do all this for him.

In addition, assistance can be provided only if at least a year has passed from the moment of receiving a mortgage loan to the date of filing the application for restructuring, and the monthly loan payment has increased by at least 30 percent of the amount that the person paid to the bank when concluding the agreement. By the way, it was precisely because of the last point that the discussion managed to flare up: they say that state support has shifted towards foreign currency mortgages. After all, for “ruble” mortgage holders, the size of the payment does not vary so much, which means that such borrowers may not receive help for problem debts.

Alexey Nidens emphasized that mortgage holders who took out a loan in both foreign currency and rubles can apply for participation in the program. And if the size of the monthly payment on a foreign currency loan may increase due to exchange rate fluctuations, then in the case of a ruble mortgage we are talking about loans with a floating rate or when mortgage insurance is waived. In all other situations, the decision to provide assistance will be made by a special interdepartmental commission. It can positively resolve the issue of supporting citizens who do not even formally meet the conditions of the program, but are in dire need of help. The commission is expected to become operational in September.

The final decision to provide support is still made by the creditor bank. Because, as Niedens noted, the bank knows its borrower better, his financial situation at the time of signing the agreement, and can assess payment discipline.

Now AHML has signed agreements with hundreds of banks. However, financial ombudsman Pavel Medvedev also draws attention to some of the program’s rough edges. According to the new rules, the bank must agree to a rate of 11.5 percent (if the loan is issued in foreign currency). If the bank demands, say, 12.5 percent, the person will not receive support. AHML responds to this by saying that then the restructuring can be carried out on the terms of the bank’s own program.

The size of the apartment will also be taken into account when helping mortgage borrowers with debt problems. Photo: depositphotos.com