Mortgage subsidies for disabled people: how to apply correctly

Today, living on credit is a normal phenomenon and many Russians take advantage of this opportunity by taking out apartments and houses on a mortgage.

The state is trying in every possible way to support its citizens, especially when it comes to young families, military personnel, and young professionals. Banks even have separate mortgage lending programs for such citizens.

Everything would be fine if you don’t take into account the fact that banks have not yet developed an individual lending program for people with disabilities.

How can you get a mortgage for housing for disabled people and is it even possible to get an apartment if you are a disabled person of group 1, 2 or 3?

Is it possible for a disabled person to take out a mortgage? Is it realistic to do this?

A person with disabilities who has a Russian passport is a citizen of this country, and therefore has the same rights as all other citizens. This means that no one prohibits such persons from taking out a mortgage, and banks should not refuse them simply because the borrower has become disabled.

Banks do not provide separate mortgage lending conditions for persons with disabilities; they have the right to apply under general conditions.

It is possible for such persons to obtain a mortgage only if the following conditions are met:

• if the borrower has real estate that the bank can use as collateral;
• if such a person is a working disabled person;
• the borrower must confirm his high level of income so that the bank gets the impression that he will actually be able to fully repay the mortgage;
• a person must carry out his labor activity at his last place of work for at least six months. It is also desirable that he prove that no one will fire him soon or that he himself will not quit;
• The borrower's health must be acceptable. This means that persons with disability groups 2 and 3 can count on getting a mortgage, but borrowers with group 1 disabilities will have a problem getting housing on credit.

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Can a non-working disabled person get a mortgage in 2021? How can a disabled person get a mortgage?

Some people with disabilities believe that their disability pension may be enough to pay their mortgage. But the state has a different opinion on this matter.

Banks are prohibited from approving the candidacy of a disabled borrower if, in addition to state support, he has no other means of subsistence. That is, the bank does not have the right to take into account the pension.

It’s another matter when a person with a disability has an official job that brings him a considerable income . In this case, the bank, having seen the income certificate, may not even pay attention to the fact that the borrower is a person of limited legal capacity.

Therefore, people with disabilities should contact the bank for a mortgage only if they are officially employed citizens and receive a high salary, which should be enough to pay off the debt.

When choosing a property, such borrowers should look for more modest housing options, for example, an apartment on the secondary real estate market.

Are mortgages given to disabled people of group 1?

When a person with disabilities applies to a bank with a request for a mortgage, banks pay attention not only to the primary or additional income of the potential borrower, but also to his disability group.

Banks often refuse to issue a mortgage to citizens with the first disability group, since such persons, firstly, usually do not work anywhere, since they have incurable serious illnesses, and secondly, banks take a great risk with their finances by deciding to issue a mortgage to such persons.

Are mortgages given to disabled people of the 2nd group?

People with the second group of disabilities are more likely to get a mortgage loan. These are citizens who are diagnosed with a severe form of the disease and require long-term treatment or special procedures.

Such persons can actually obtain bank approval for a mortgage only if they are officially employed and receive a good salary and if they have some property that they can use as collateral.

The type of disease also plays a big role when issuing a mortgage . So, if a person is a group 2 disabled person due to pulmonary insufficiency or has had an organ transplanted, then he has a better chance of getting a loan than someone who suffers from mental disorders (the bank reasons that such persons cannot sensibly assess the situation and take responsibility for your actions).

Is it possible for disabled people of group 3 to get a mortgage?

Persons with the third group of disabilities have the best chance of getting a mortgage approved . Such citizens usually do not suffer from serious health problems, and it is not as difficult for them to get a job as for people with disabilities of the first two groups.

Therefore, if a potential borrower proves to the bank his solvency, insures his life and health, and in addition also offers collateral property that belongs to him, then in almost 100% of cases he will receive the approval of the financial institution.

Where to contact

The easiest way to get a mortgage for disabled people of group 3 is Sberbank - the largest bank in the country can provide a loan with the highest degree of probability. Mortgages for disabled people of group 2 are also usually issued by Sberbank. However, the bank does not provide additional benefits for this category of borrowers.

Registration can be completed successfully at any major bank. Disability is not a reason to refuse a loan (except for particularly severe cases), but it would not be a bad idea to play it safe by taking out a loan on more compromise terms, for example, with an increased down payment.

Features of insurance for persons with disabilities when taking out a mortgage

When drawing up a mortgage agreement, banks oblige borrowers to insure the property they take out as a mortgage . At the same time, life, health or title insurance is not mandatory; the borrower can decide at his discretion whether to take out this type of insurance or not.

Another situation arises when a person with disabilities wants to take out a mortgage . Banks strongly recommend that such borrowers take out insurance not only for their property, but also for their health and life.

Of course, disabled people have the same rights as other citizens, and therefore have the right to refuse additional insurance. However, then they should not count on banks to approve their mortgage applications.

Gazprombank

To apply for a loan, a down payment is required. The minimum possible is 5% of the price of the apartment and is established only if additional funds are deposited from the mat capital. You can register for an apartment, a share in an apartment or a townhouse. The minimum down payment for a townhouse is 20%.

Approximate calculation:

Term	Sum	An initial fee	Monthly payment
25 years	2,000,000 rubles	200,000 rubles	18,703 rubles

The bank calculates the monthly term and amount based on the monthly calculation. For example, for the above calculation you need an income of 34,005 rubles.

The application may be processed within 10 working days.

Are there any mortgage benefits for disabled people?

Despite the fact that banks do not provide individuals with disabilities with individual mortgage programs, benefits for such categories of citizens still exist in Russia and are implemented within the framework of the following programs:

• Social mortgage with state support - issuing mortgages for socially vulnerable citizens, which include persons with disabilities. In order to receive a social mortgage, a person must register with the local state administration and indicate the reason why he can be provided with housing on preferential terms - the current lack of an apartment or house to live in. The disadvantage of such a program is the long queues, so in order to count on any assistance from the state, a person with a disability will have to wait a long time for his turn.
• Mortgage program "Housing" . Under this program, the state issues a subsidy to the borrower, thereby helping to repay the mortgage debt. To receive housing under this program, the borrower must register as needing new housing.

Settlement agreement between a disabled debtor and creditors

The settlement procedure is the conclusion of an agreement between the debtor and creditors under the supervision of the court.

You can enter a settlement at any stage of bankruptcy: before the court declares the debtor’s application insolvent, after the application is accepted, as part of the debt restructuring procedure and during the sale of property.

This situation may arise:

• if, after applying to the arbitration court, the debtor has funds to gradually repay the debt to creditors;
• if one of the relatives agreed to pay off the debts of a disabled person - for example, to repay all loans and borrowings within 5 years, saving the person from selling real estate and other property.

The court does not have the right to refuse to resolve the dispute peacefully if an agreement has been reached between the parties.

In detail on the topic: How to conclude a settlement agreement in case of bankruptcy of an individual. faces.

In what cases can a person with a disability register to obtain a mortgage?

Persons with disabilities can be registered to receive a mortgage loan for disabled people only in the following cases:

• if a person does not have his own home;
• if he lives in a room, apartment or house that is in disrepair;
• if the current housing does not meet technical and sanitary conditions;
• if the person is registered in a dormitory or communal apartment;
• if a person lives in an apartment with several people, and each resident is allocated an area of ​​less than 15 square meters. m.

Legal basis

Regulators on the topic of mortgage loans at the legal level are:

— Decree of the Government of the Russian Federation No. 761 of December 14, 2005 “On the provision of subsidies”;

— Federal Law No. 195 of December 10, 1995 “On the fundamentals of social services for the population of the Russian Federation”;

— Federal Law No. 143 of November 15, 1997 “On acts of civil status of citizens of the Russian Federation”;

— Federal Law No. 178 of July 17, 1999 “On State Social Assistance”;

— Federal Law No. 181 of November 24, 1995 “On the social protection of disabled people in the Russian Federation”;

— Federal Law No. 152 of November 11, 2003 “On mortgage-backed securities.”

These laws serve as the basis for issuing social loans to disabled Russians and parents with disabled children.

How to get a mortgage for a person with a disability?

The process of obtaining a mortgage for such persons is no different from obtaining a loan for a healthy citizen:

• First, the borrower must decide on the program under which he wants to get a mortgage (on a general basis, social, “Housing”).
• Choose a bank with suitable lending conditions, go there and write an application.
• If the application is approved, prepare the necessary documents, select housing, and arrange insurance.
• Pay the down payment.
• Conclude a purchase and sale agreement with the real estate seller and a mortgage agreement with the bank.

DeltaCredit

Delta offers to receive a preliminary answer in as little as 10 minutes. It is enough to fill out a form on the organization’s website (https://www.deltacredit.ru/mortgage-credit/gotovaya-kvartira/). On the website you can calculate the preliminary payment, view detailed conditions and what additional products the bank offers. For example, these could be:

• Half payment once every 14 days;
• Borrower's life and health insurance policy;
• Mortgage holidays.

Separately, the bank offers mortgages for individual entrepreneurs or employees of partner companies.

With DeltaCredit you can apply for:

• Apartment;
• A room/share in an apartment;
• Apartments;
• Garage;
• Residential countryside real estate.

The minimum down payment can be only 5% of the cost of housing, but only on condition that maternity capital is additionally contributed as a pension fund.

How can a disabled person be guaranteed to get housing with a mortgage?

In order for banks to approve a borrower with disabilities, he needs:

1. Provide collateral in the form of real estate that is registered in his name.
2. Provide the bank with co-borrowers or guarantors who, if necessary, will share the burden of the mortgage with it.
3. Get on the waiting list for housing (if the borrower has no other housing).
4. Prove your solvency (provide a salary certificate from your place of work).
5. Accept all the bank's conditions, including additional types of insurance.

Sberbank

Sberbank offers mortgages to homeowners included in the Moscow city renovation program. The borrower can look for an apartment in areas of Moscow and the Moscow region that participate in the renovation program. How the registration works:

1. First, an apartment is selected.
2. An application is submitted at any Sberbank office.
3. The bank's decision becomes known within a few days.
4. Collect a package of documents; the full list can be viewed on the Sberbank website.
5. A deal is concluded between the applicant and Sberbank.
6. An agreement is signed with the renovation fund.
7. The right to property is registered.

The borrower's age is from 21 to 75 years, employment for six months at the time of application.

Mortgage for families with a disabled child

Families in which a disabled child is growing up often need comfortable living conditions, so the issue of obtaining a mortgage is relevant for them.

Unfortunately, today banks do not offer individual mortgage lending programs to such families . All such families can count on is help from the state.

The government has provided social programs, according to which the state can compensate part of the mortgage payments and pay the down payment.

To receive at least such benefits, one of the parents must register with the local government as one who needs improved housing conditions because he has a disabled child and does not have his own housing (or it does not meet regulatory requirements, per person the area falls below the established one).

Raiffeisen

Raiffeisen offers to obtain a mortgage in 9 days:

1. Consultation with a Raiffeisen specialist, filling out an application form – 1 day.
2. Waiting for and receiving a decision on the application is up to 3 days.
3. Collection of documents for the purchased apartment - up to 3 days.
4. Preparation for the transaction: verification of documents, re-examination of the application form - 1 day.
5. Concluding a deal – 1 day.

Approximate calculation:

Term	Sum	An initial fee	Monthly payment
25 years	2,000,000 rubles	190,000 rubles	18,882.44 rubles

The calculation was made for a new client who confirms his income with a 2-NDFL certificate.

Anyone between the ages of 21 and 65 can apply for a housing loan. The citizenship of the borrower does not matter. Employment must be official for 3–6 months at the time of application. Also, the borrower must not have more than 2 open mortgage loans at the time of application.

Answers to questions on the topic

Question : “Can I count on getting a mortgage if I am a disabled person of group 1? I don’t officially work, but I receive a disability pension.”

Answer : If there is no official income, the bank will refuse to issue a mortgage. And the disability pension is not taken into account as a source of income.

Question: “I took out a mortgage on an apartment, a disabled child was born. Can the bank reduce the mortgage interest rate?

Answer : The laws do not say anywhere that the bank is obliged to reduce the rate, so this issue is solely within its competence. The borrower can go and write an application for refinancing or restructuring the mortgage, thereby changing and slightly easing the lending conditions.

Question: “I am a healthy working person, and my husband is a group 1 disabled person. Is it realistic for us to get a home with a mortgage?”

Answer : If the borrower is a healthy citizen and not a person with disabilities, then it is quite possible to obtain the bank’s approval. True, you still need to prove your solvency.

Question: “Which bank is best for a person with a disability to get a mortgage?”

Answer : It is best to contact government agencies. You can try to submit an application to Sberbank. It has a large list of mortgage programs and preferential programs.

Mortgages for disabled people are issued by banks on a general basis . Those borrowers who are officially employed, receive high salaries, and agree to take out additional insurance are more likely to receive bank approval.

Citizens with disabilities can count on receiving benefits from the state when applying for a mortgage . To do this, they must register with local authorities as citizens who demand improved living conditions.

Questions regarding lowering the mortgage interest rate for persons with disabilities or the lack of a down payment are resolved only by the bank.

Bankruptcy in court

An application to declare a debtor bankrupt is submitted to the arbitration court of the entity where the debtor is registered or permanently resides.

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The application form is not established by law, but the requirements for it are defined. A sample and recommendations for filling out are presented in the article Application for Bankruptcy.

The application must indicate the name and address of the self-regulatory organization (SRO AU), which will nominate a financial manager to participate in the bankruptcy case.

The basis for an application to declare a disabled person bankrupt is the inability to fulfill obligations. The amount of debt is not limited; in practice, citizens go bankrupt with debts of 300 thousand rubles.

The law specifies a limit of 500 thousand rubles and 90 days of delay - these are the conditions under which the creditor has the right to file for bankruptcy of the debtor. The person himself can ask for a smaller amount to be written off, and not wait 3 months if there is objectively no way to pay.

Under the current bankruptcy legislation, the debtor not only has the right to apply to the court to declare him bankrupt, but is also obliged to do so.

If the debtor does not apply for bankruptcy within 30 days, he may be brought to administrative liability under clause 5 of Art. 14.13 Code of Administrative Offences. But physical This applies to individuals only if they deliberately avoided paying their debts.

The law provides a complete list of documents that must be attached to an application to declare a citizen financially insolvent.

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If you have a disability of any group, we recommend submitting evidence:

• certificates confirming disability after medical examination;
• an extract from the Pension Fund on the assignment of a pension, on the assignment of lump sum payments;
• documents on the costs of medications, rehabilitation products, medical procedures (if any);
• documents about the disabled person’s vehicle (these documents will help preserve the car in the event of bankruptcy of the disabled person himself, and if an able-bodied person goes bankrupt, but the family has a disabled child, spouse, or relative in whose name the car is registered in the registry);
• a copy of the work book, if issued.

Some documents have a statute of limitations of no more than 1 month. Therefore, be careful when filing an application with the court.

How is the subsidy amount calculated?

Mortgages for disabled people of group 3 are provided along with a state subsidy. The method for calculating it is as follows: the average price per square meter is multiplied by the standard, which is 18 meters. Disabled people who registered before 2005 can receive assistance that will fully reimburse the costs of purchased housing. All other citizens with disabilities receive assistance in accordance with federal and regional legal acts.

Real estate requirements

The main ones are: the apartment should not be encumbered and its condition is suitable for living at any time of the year with all communications available.

In addition, the apartment must have

No money? Read! How to get a mortgage without a down payment

Registration through a broker

In practice, the services of intermediaries are rarely used. But sometimes this option remains almost the only one on the path to purchasing your own home.

If you decide on this type of service, here are some useful recommendations:

• You should cooperate only with trusted companies that have been on the market for many years;
• Don’t forget about additional expenses - brokers charge commissions for services amounting to approximately 10-15% of the mortgage amount (these expenses should be foreseen in advance);
• Before signing the contract, it is important to carefully study each of its clauses.

In other words, you should “be on your guard” so as not to fall into the hands of scammers.

Reasons for refusal

The bank considers all applications individually. It is legally established that a financial institution is not required to indicate the basis for the refusal. But you need to understand that banks are also interested in the deal, so if they refuse, then the reasons for this are quite compelling.

The most common are:

• low wages - banks usually refuse potential borrowers whose income is 50% less than the planned monthly loan payment;
• “dirty” credit history - a one-time mistake when cooperating with financial institutions will put a “stigma” on relations with banks for the rest of your life;
• deception on the part of the client - for example, denial of disability if it exists;
• non-compliance with banking requirements.

Thus, the basis for refusal may not be the disability itself, but completely other reasons.

Alternative ways to solve the housing situation

There are other ways to allow people with disabilities to purchase their own housing:

• become a participant in other social programs: state or existing in your region;
• purchase housing with your own funds;
• borrow the necessary amount from relatives or friends;
• take out a non-targeted loan;
• apply to the local government authorities, since disabled people have the right to be allocated municipal housing under a tenancy agreement;
• contact professional brokers or apply for a mortgage using 2 documents at Sberbank.

Important! Programs to support persons with disabilities operate at the regional level. The terms and conditions under which the benefit is granted may vary, so please check with your local authority for mortgage details.

When choosing the appropriate option, be guided by your specific situation. Explore all the options available to you and compare the terms offered. Determine how beneficial it is for you.

Refinancing other loans

Citizens with disabilities can apply to Sberbank to obtain a loan to refinance other loans from banking organizations, and the interest rate on it will be from 10.9%. In this case, the financial institution can reduce the loan rate, as well as ease the existing debt burden.