The procedure for obtaining a military mortgage

Today, any serviceman who has signed a contract with the Defense Ministry immediately begins to wonder how to apply for a military mortgage in order to buy his own home, what documents need to be collected, etc.

Military mortgages are virtually no different from standard mortgage products available to civilians. The only thing is that in this case the borrower has the opportunity to make a down payment for the purchased property and subsequently pay off the balance of the loan debt at the expense of public funds.

Documents for obtaining a military mortgage

A minimum package of documents, regulated by a specific bank, will be required. To apply for a military mortgage in 2021, you must provide the following documents:

passport of a citizen of the Russian Federation;
mortgage system participant certificate;
military personnel certificate.

Having provided the required set of documents, the serviceman receives a subsidy from the state. Thanks to it, a citizen becomes the owner of his own home. The preparatory stage of collecting documents is not the only requirement that you will have to face during the execution of the transaction.

Final stage

Even when the apartment has already been purchased and registered in the state registry, it is too early to relax. There is a list of documents for a military mortgage that representatives of the armed forces need to provide to the bank and to Rosvoenipoteka after state registration: copies of the DCP (purchase and sale agreement), insurance contract and check confirming payment of insurance, extract from the Unified State Register, original certificate of home ownership.

To receive the keys to an apartment purchased with a military mortgage in a new building, you will have to prepare the following documents: DCT, certificate of ownership, acceptance certificate and notification of the need to obtain keys, which the buyer receives when the house is completed and the apartment is ready for inspection and transfer .

Despite the fact that the list of documents for a military mortgage is quite long, this program allows military personnel to purchase housing on the most favorable terms for housing loans.

Documents for obtaining a targeted housing loan in Rosvoenipoteka

One of the important stages of obtaining a military mortgage is providing an important list of documents to Rosvoenipoteka:

a copy of the Russian passport or other military identification document;
a copy of the NIS participant certificate;
a targeted loan agreement drawn up and certified by the parties according to the established template;
a copy of the agreement to open a bank account in the name of the military personnel;
a copy of the loan agreement, including information on the payment schedule;
a preliminary agreement confirming participation in shared construction (when real estate is purchased in a house under construction);
papers indicating the possibility of construction.

Important! Rosvoenipoteka will consider the possibility of providing a credit loan within 10 days. If the decision is positive, this institution transfers the entrance fee to a bank account.

How to compose:

Report

A report on obtaining a military mortgage can be drawn up if you have become a participant in the mortgage savings program. The report is drawn up according to a clearly established template and is required to be registered.

This document is written addressed to the commander of the military unit. The initials of the component, his rank, as well as passport details are indicated.

In addition, it is clarified that this citizen is a participant in the savings mortgage system.

The following contains information that the citizen is asking for the opportunity to participate in the savings and mortgage program.

It is indicated that the citizen is familiar with the rights and responsibilities associated with this procedure. Also, there is a reference to law number 370-FZ, which regulates issues of obtaining mortgages for military personnel.

The report includes important information such as a description of the property. The locality where it is located, the address, the nature of the property, that is, an apartment or house, is indicated, and a brief description is also given.

The serviceman leaves his contact address and telephone number, and also asks to be allowed to receive this particular housing under the mortgage program. At the end of the report, a signature, initials, military rank and date of writing are placed.

The report is accepted by the unit commander, checked for proper drafting, and if everything is satisfactory, then it is accepted for execution.

Statement

The application form is a form issued by the bank that provides the military with a mortgage lending program. The form indicates information about the role of a particular applicant, namely, that he is a borrower. All passport information is indicated, as well as the role assigned to the person in this transaction.

The second paragraph indicates the amount that is required to be provided, as well as the period for which it is issued.

Also, in the second paragraph there is information about the amount of contributions that the military initially makes from the amount of the military mortgage.

In addition, this paragraph indicates the purpose for which the existing loan is taken.

It is necessary to provide information about the property that has become the subject of a mortgage.

And also, in which region it is located, indicate other characteristics that the questionnaire requires. Also, the bank needs information about your family, namely, if you have children.

It would be a good idea to provide the insurance number of your individual personal account. Provide information about where you currently live, as well as a contact phone number.

Paragraph four provides information about the applicant’s income. This is necessary so that the bank knows who it is contacting and what chances the person has of paying off the mortgage if he leaves the armed forces before the mortgage expires.

In addition, the bank may be interested in information such as whether or not you have a car and information about it, the presence or absence of any other real estate, the presence or absence of other loans, additional income, and so on.

Upon completion of this form, the applicant must sign and date it.

Contract of sale

A purchase and sale agreement within the framework of obtaining a military mortgage is drawn up in the same way as any other agreement indicating the alienation of real estate.

It is noteworthy that an agreement with a military man can also be drawn up with a civilian; here the law does not limit the military in choosing an opponent in the transaction.

Also, it is worth noting that the only difference from a standard purchase and sale agreement is that the additional information or payment information clause indicates that the entire amount for the property, or some part of it, will be repaid using military mortgage funds.

So, the owner of the apartment you are purchasing must be warned about this and give his consent in advance to receive the sum of money in this way.

Sample purchase and sale agreement for military mortgage.

Procedure for obtaining a military mortgage

To understand the entire process of obtaining a military mortgage under a program from the state, you need to familiarize yourself with the specified sequence of actions:

To receive budget funds for the purchase of real estate, it is important to declare your participation in the state subsidy system.
After a serviceman arrives at the place where he is serving under a contract, he must think carefully about everything and only then submit the specified petition. If the state approves such a request, the service member will receive notification of a positive decision.
Next, a personal account will be opened for him, into which funds from the state will be received every month. However, it will be possible to spend budget money on housing in three years.
A serviceman receives a certificate of participation in the NIS as a result of approval by the lender of a targeted housing loan. The certificate is issued to the serviceman after submitting a report to the head of the unit. This certificate is then valid for 6 months. During this period, the serviceman must find suitable housing and choose a bank to apply for a mortgage.

Where to register

After the report for inclusion in the NIS is registered in the document log, the person in charge in the military unit sends the documents to the regional housing department of the Russian Ministry of Defense. From there, the data is transferred to the Housing Department, where they are included in the register of NIS participants.

A specially created state body, Rosvoenipoteka, is responsible for the implementation of the NIS program.

Rosvoenipoteka issues a notification indicating its registration number and opens a personal savings account for this number. The account number is recorded in the serviceman's personal file.

Choosing a bank for obtaining a home mortgage for military personnel

The creditor requires a written statement from the employee. Before doing this, it is important to clarify the fact of participation in government subsidies. Among many commercial banks, Sberbank and AHML deal with military mortgages. These lenders have proven themselves on the positive side. Together with them, VTB Bank will be able to attract with optimal conditions.

The list of lenders who are working with mortgages under the program for military personnel in 2021 is very large. The documentation package for each of them may change based on various factors. Therefore, before filling out an application, it is important to call the bank or go to the branch and find out what papers and certificates are required to apply for a long-term mortgage under the military program. The approval from the bank itself is a formal decision, since funds for the mortgage are taken from the federal budget.

Registration of a residential property under a military mortgage

When searching for suitable real estate, a military man also selects the optimal lending institution. You can use the services of real estate agencies to help. However, the military bears the costs of paying for services.

Realtors offer several real estate properties that meet the requirements of the state program. This will reduce the likelihood of bank refusal due to the residential premises not meeting the specified requirements. It is worth noting that any documents submitted to the Federal State Institution Rosvoenipoteka are subject to further detailed verification by the state.

You can choose a property from a townhouse, house or apartment. Moreover, the military can consider offers from the secondary market.

A private house must be in satisfactory technical condition. The house is equipped with heating, plumbing and other important communications. In addition, there should be no alterations in the house that were carried out illegally, or that the previous owners did not register them in the required order.

Using budget funds issued by the state for a mortgage, it is prohibited to purchase a controversial property or real estate with an insufficient set of documentation. The military man must notify the seller ahead of time that he is buying an apartment under a special program under a contract. The fact is that such transactions take a lot of time.

State registration of purchased real estate

At this stage, it is important to know what documents are needed to register an apartment purchased with a military mortgage. You will need the same papers as when concluding a purchase and sale transaction. You will need to add to them:

marriage certificate or statement that the new homeowner is not married;
written notarized consent of the husband or wife to purchase real estate with a mortgage;
receipt of payment of state duty;
power of attorney for the realtor;
all documents for a military mortgage that were signed at the bank and Rosvoenipoteka.

The subsequent procedure for registration

During the 6 months that the issued certificate is valid, it is necessary to prepare the necessary package of documents for the property. Next, the serviceman must bring them to the bank branch to conclude a preliminary agreement with the real estate seller. It is also necessary to open an individual account, which serves as a tool for transferring a targeted housing loan. At the same time, the client signs a loan agreement with the bank.

At this stage, many issues related to individual design features are resolved. For example, some families can contribute maternity capital or personal savings, which can be used to purchase a larger area of housing. This point is discussed with the lender.

A targeted housing loan is provided in the amount of only 2,200,000 rubles, this should be taken into account first. Along with the loan agreement, the lender offers to sign the documents of the Central Housing Loan, and then transfer the list of papers to Rosvoenipoteka. This body makes the final decision on the provision of a housing loan. Upon approval, money for the initial deposit is transferred to the previously opened account.

As soon as the funds arrive in the current account, it is allowed to sign the contract for the purchase and sale of housing. At the same time, a home insurance contract is concluded. The completed agreement with all the necessary list of papers must be submitted to Rosreestr.

Important! A property purchased under the military mortgage program is subject to double collateral - from the bank itself and from Rosvoenipoteka.

Additional documents

Depending on the type of mortgage loan, clients of a banking institution, in addition to basic documents, will need additional ones. These could be various social programs, mortgages for privileged categories of the population.

The package of documents for primary and secondary housing also differs.

Mortgage for maternity capital

Maternity capital in the Russian Federation is issued after the birth of the second child and all subsequent children. In 2021 it is just over 400 and a half thousand rubles. This amount can be accepted as a down payment on a mortgage loan. Only the certificate holder will be able to receive credit funds. If the mortgage amount is more than 200 thousand rubles, then a guarantee from the second spouse is required.

In addition to the main package of documents, families wishing to take out a mortgage using maternity capital provide a certificate and an extract from the pension fund on the balance of funds in its account. The Pension Fund must give permission to use maternity capital as a mortgage contribution. Additionally, the bank may request birth certificates for all children, as well as marriage/nuptial agreements.

Mortgage without proof of income

Issuing a mortgage loan without proof of income assumes that the borrower is working informally or owns property that can be provided as collateral. The client announces his income orally, and in addition to his passport as a citizen of the Russian Federation, he must bring one of the following documents to the bank: international passport, driver’s or pensioner’s license, military ID. You will also need papers confirming ownership of an apartment, dacha, vehicle, and securities.

If the borrower works as a freelancer or sells any products through Internet portals, then bank employees may ask him to present statements about the receipt of funds to his bank account or card.

Individual entrepreneurs provide a tax return. If a person is a client of a banking institution that issues a mortgage, then credit managers can independently check the movement of funds in his account.

Mortgage for a young family

To participate in the program for young families, one of the parents must be no more than 35 years old and no less than 21 years old. It is better that both spouses meet this criterion. A family must have one or more children. A single mother or father with children will also be considered a young family.

Young parents provide the bank with the following additional documents: marriage and birth (adoption) certificates for all children, papers for collateral property. You will also need certificates confirming the fact that the family has money for a down payment (for example, Sberbank offers to pay at least 15-20% of the mortgage amount). This could be a bank account statement, a certificate for maternity capital, etc. If relatives of a young couple act as guarantors, then documents indicating the relationship are required.

Military mortgage

To participate in the Military Mortgage program, a serviceman must first submit a report of desire to join it

. He brings the received certificate of participation to the bank along with the main package of documents. The military spouse must agree in advance to participate in the program.

Employees of a banking institution can additionally request information about education, availability of apartments, cars, land plots, and additional income. The serviceman also gives written consent to the processing of his data. Difficulties in this regard may arise for secret service employees. Military personnel serving under contract bring a certified copy of it.

Preferential categories

Some banks issue mortgage loans on preferential terms to doctors, teachers, and scientists. Absolutely all representatives of these professions do not fall under these criteria. Their list can be checked with managers of financial institutions. If the borrower meets all the criteria, then he additionally brings to the bank

Application for participation in the social lending program, the procedure for which is specified in the statute of the financial institution.
Copies of documents confirming relevant qualifications.
Marriage/divorce certificate.
Consent to the processing of personal data.
Birth certificates of children.
Autobiography with photos (4x6).
A photocopy of a diploma of higher education and subsequent advanced training courses, graduate school, residency.
Characteristics from the place of work.
Information about writing scientific papers, conducting research, publishing in scientific professional publications.

This is the maximum list of additional documents for preferential categories; it may differ in different banking institutions. Also, at reduced interest rates, mortgage loans can be issued to employees of the Ministry of Internal Affairs, lawyers, and notaries.

They bring documents (certificates, certificates) confirming their belonging to the profession.

Documents for secondary housing

Regardless of the program under which the buyer takes out a mortgage (military, for maternity capital, etc.), the list of documents for the purchase of secondary housing is the same for everyone. When concluding a transaction, you should pay attention to the presence of minor children or disabled people in the seller’s family who are registered in the apartment. Without the permission of the board of trustees, the transaction cannot be completed until the specified persons register at a different address.

The first step is to check whether the seller has documents confirming ownership of the property. Next, you need to carefully study the documents on the basis of which the seller became the owner (donation agreement, purchase and sale agreement, entry into inheritance). All dates, numbers, passport details must match. You need to pay attention to the mental and physical health of the seller. If a person is elderly or shows signs of inappropriate behavior, then it is advisable to request a certificate of his legal capacity. If there are several owners of the property, then all the documents must be checked, and when concluding the transaction, they must all be present in person, or one of them can act by proxy.

An extract from the house register or a certificate about the residents registered in the apartment or house is required. Before concluding a transaction, they must all be deregistered at this address.

The certificate must indicate the grounds for discharge.

A mandatory document is a certificate (copy of a personal account) confirming the absence of debts on utility bills, or their presence if the buyer agrees to purchase an apartment with debts.

The seller is required to provide certificates from the BTI with a plan of the house or apartment, which includes a housing assessment. Here it is important to pay attention to the absence of illegal redevelopment. If there is no technical passport, then BTI is also involved in its production. The technical passport is included in the list of required documents. Also, a market assessment of the value of real estate should be carried out by an independent expert. A list of organizations that provide such a service can be found at a banking institution, since the bank does not trust all companies.

You also need a cadastral passport, which determines the percentage of depreciation of the housing stock. The bank may refuse to issue a mortgage for an apartment, the depreciation of which will exceed 60% at the time of full repayment of the loan. If a private house is purchased, then a cadastral number must be issued for the plot. When selling, you need an extract with a cadastral number.

A certificate from the Unified State Register stating that the seller’s property has not been seized and is not pledged is required. You should try to check this aspect through all channels. There have been cases when the seller provided a false certificate.

The last important document is the consent of the second spouse to sell the house or apartment if the housing was purchased after marriage. If the seller is not married, then he must take a certificate of this or bring a copy of the divorce certificate.

Sometimes additional documents are required that are not listed in this section.

You can learn about all the nuances in advance from the notary who will conduct the transaction, and from the bank.

Documents for housing under construction

Purchasing housing under construction requires a much smaller package of documents than secondary housing. This is due to the fact that the building has no wear and tear, no one can be registered in the apartment, illegal redevelopment is impossible, etc. It is best to take out a mortgage on apartments from developers who cooperate with the chosen financial organization. In many banks, credit managers themselves will offer options for purchasing apartments in new buildings. By choosing one of them, you can avoid red tape with the developer’s documents.

If the borrower has found a developer on his own, he brings the following documents

Agreement with the developer for participation in construction or investment.
Documents for real estate under construction: plan, cadastral passport.
Expert assessment of an apartment in a new building. It will depend on the area of the city, materials, and infrastructure development.
Confirmation of building permit. These papers are provided by the developer. This includes a document confirming the lease or ownership of a plot of land, permission to build in a specified location, etc. Additionally, the information is checked by the bank's security service, since during the construction process sometimes the developer's property is seized, or residents of the surrounding areas, environmental services or other organizations begin to protest against the construction of the house.
Additionally, you can bring an insurance contract for housing under construction, but it can also be concluded at a bank.

Basic Rules

A military person may encounter some problems when applying for a military mortgage. To prevent difficulties, you need to understand the basic rules for applying for a long-term loan:

The period during which the NIS participant certificate is valid is six months.
The duration of loan repayment has restrictions at military age. At the final repayment period, the military person must be no more than 45 years old. This point can be an obstacle for older people.
In the process of obtaining a mortgage loan, the military man incurs additional costs for insurance, drawing up an agreement with the bank, as well as the cost of registering property rights in Rosreestr.
The transfer of money under the transaction is carried out after ownership of the property has been officially transferred to the new owner. To avoid disputes, it is necessary to discuss all aspects of loan payment with the seller ahead of time.
A bank account for transferring funds to pay a loan must have restrictions, since it is intended for only one purpose.

A complete list of information on military mortgages can be found at the branch of the banking institution where you plan to draw up the agreement.

How to track the stages of document review?

It's no secret that a military mortgage is not issued immediately after a citizen has a desire to receive it.

The fact is that a fairly large number of people participate in the program, so corresponding queues are formed in the ranks of the armed forces.

Well, how can a citizen find out when his turn will come, and how long he has to wait?

In fact, the question that seems complicated - how to track military mortgage documents, and worries thousands of people, is quite simple to resolve.

So, on the Internet there is a resource called “Gosvoenipoteka”. This resource has an Internet portal that helps citizens find out information about their place in the queue.

Mortgage participants, or a citizen who has queued up to receive it, must register on the portal and provide all the necessary data requested by the site. Also, a military person can register on this resource at the time of accepting documents for a mortgage.

In his personal account, a citizen can track his number in the queue and watch how he rises in the lists.

This is very convenient, it allows a citizen to calculate his time, because at the moment when your turn comes, you need to be in the city and report to your command to double-check the data and confirm your intention to get a mortgage.

Therefore, knowing how the queue is progressing, a military man can easily plan his vacation and business trips.