According to the resolution, preferential mortgages for families with disabled children are provided under special conditions. This document was published on November 6, but it was adopted at the end of October. The loan rate will be subsidized, equating it to the six percent that is offered to young families with two children. However, the rate differs depending on the region of residence.
You can use a mortgage for families with disabled children over the next three years. Preferential interest applies to the entire loan period. But if the child was born before the end of 2022, and was diagnosed with a disability later, then the period for applying for a loan at a reduced rate is extended until the end of 2027. There are other subsidy conditions that you need to be aware of.
What rates are offered to beneficiaries?
At the beginning of last year, a special program appeared that allows parents with at least two children to receive a housing loan at 6% per annum (). According to Government Decree No. 1396, the interest rate on a mortgage with a disabled child is equal to 6%. The difference between this amount and the bank's actual interest is covered by the state.
If we are talking about residents of the Far East, then the rate is reduced by another percentage. Parents with a disabled child from this region who meet the program requirements will be able to purchase real estate at 5% per annum. But similar mortgage benefits for disabled children will only be available for the next three years.
Support in case of loan refusal
If, under certain circumstances, a loan and government support are denied, the borrower can contact a mortgage broker. At the moment, among such companies we can highlight the establishment of Center Finance LLC and the profitable DomBudet program. As part of this offer, the most favorable mortgage conditions are selected, with a high chance of approval of the application. The company’s specialist provides full support for the transaction right up to the registration of real estate in Rosreestr. At the end of the agreement for the provision of services, only a small commission is charged, which is no more than 10% of the loan amount (usually 5-7% is charged).
What are the requirements for program participants?
. In this regard, a number of restrictions have been defined:
- it is necessary that the child and his parent have Russian citizenship;
- you also need registration in the country and official income;
- disability can be either acquired or congenital;
- at the time of filing an application for a preferential mortgage with a disabled child, the disability itself must be documented;
- the minimum age of parents or guardians is 21 years, the maximum is 75 years;
- applicants must have a positive credit history;
Recommended article: Reducing mortgage rates and real estate requirements at Svyaz-Bank
Subject to these conditions, mortgages will become available to parents of disabled children.
What do you need to get a mortgage?
Calculation of the amount
There is a formula that can be used to determine the amount of housing subsidy that is due to disabled children.
First, let's look at what it looks like:
S=N*18*S sq.m.
- N is the number of persons who are eligible for housing.
- 18 square meters is the norm for a beneficiary in the matter of providing subsidies from the state.
- S sq.m. — the average market value of one square meter of housing in your region.
Now let's give a plausible example so that you have an idea of how the formula works.
There is one disabled child in the family. This means that 1 needs to be multiplied by 18 square meters and multiplied by 20 thousand rubles (assume that 20,000 rubles is the cost of one square meter in the city of Volgodonsk). At the time of the appeal from citizens representing the interests of a disabled child, these figures were current.
It turns out 360 thousand rubles. - this is the amount of the subsidy that will be allocated from the regional budget and transferred to the disabled child and his legal representatives.
Under what conditions is a preferential loan provided?
In addition to the reduced interest rate, banks have prepared additional conditions for obtaining a loan. For example, you can take out a mortgage with a disabled child on a property that is located in the region where the financial organization is located. Besides:
- the subsidy is provided not only for new loans, but also for existing loans;
- part of the interest is paid by the state, and the remaining rate is paid by the borrower;
- You can take out a loan at 6% per annum or at 5% for residents of the Far East;
- a child with a disability group must be born before December 31, 2022;
- disability was recognized later - participation in the program can be accepted within the next five years;
- the down payment is at least 20% of the value of the property and is paid from one’s own savings or maternity capital;
- the loan is repaid in annuity (equal) payments (a possible exception is the first and last payment).
In order for a mortgage to be approved for a family with a disabled child at a reduced interest rate, conditions must be met. Everything will have to be confirmed by relevant documents (certificates, rehabilitation sheets, registration information, etc.).
One of the parents will be able to get a mortgage with a disabled child, but another person (citizen of the Russian Federation) can be a joint borrower. The co-borrower is not required to have family ties, but banks may impose additional requirements on him. Responsibility, rights and obligations of a co-borrower under a mortgage.
The preferential interest rate will be valid for the entire loan term. But to get it, you need to take out insurance that takes into account the risks:
- property damage (Insurance of an apartment with a mortgage - how to choose an insurance company) ;
- death of the borrower (Life insurance for mortgage);
- loss of ability to work.
Without this policy, mortgage subsidies for families with disabled children will be extremely difficult to obtain.
In addition to housing in an apartment building, it is possible to purchase a private house with a plot of land, but on the primary market (). An exception is for residents of the Far East, they can purchase secondary housing from individuals. A down payment will also be required if you are applying for a loan for the first time. However, the program rules also apply to existing loans. In order for a loan on preferential terms to be approved, you will have to confirm your income. But this rule does not apply to borrowers who are already paying off their mortgage and are counting on a rate reduction.
Required Documentation
The specific list of required documentation directly depends on the selected banking company. In most cases, you will need to prepare the following documentation:
- Passports of citizens of the Russian Federation of both spouses;
- Child birth and marriage certificate;
- Medical documentation confirming the child’s disability;
- An extract from the house register and a certificate from the social security authorities;
- A photocopy of the work book certified by the employer;
- Certificate of income;
- Documentation of the purchased property.
Accordingly, if you plan to additionally use maternal capital, the list of documents will expand. Maternity capital can be used as the first obligatory payment and to repay the principal part of the debt. When planning to use family capital as a down payment, you should clarify the admissibility of carrying out this operation in a specific banking company.
Is it possible to refinance a loan under the new rules?
Under the terms of the program, loans are issued only for real estate purchased on the primary market. Refinancing a mortgage with a disabled child is also available. But in this case the rules will be slightly different ():
- Requirements for living space remain unchanged, but a loan for it can be issued earlier than 2021.
- It is possible to refinance a loan even if the borrower has already changed the terms of the agreement (for example, to reduce the rate).
If the apartment is mortgaged and the child is disabled, you need to contact the bank to receive preferential conditions. Applications must be submitted by the end of 2022 while the program is in effect. But first you will need to collect a package of documents confirming not only the fact of disability, but also the existence of rights to a rate reduction.
Mortgage lending rules
A mortgage loan has the following important features:
- Families in which a child was born before December 31, 2022 are allowed to participate in the preferential program. It does not matter when exactly this happened, before the adoption of the subsidy law or after;
- In cases where disability registration occurs after 2022, families will be able to take advantage of a preferential mortgage loan until 2027;
- Either spouse can apply for a debt agreement for the purchase of real estate.
Other subsidies for families with disabled children
There are several programs to subsidize families with disabled children. These include:
- a young family, when part of the housing loan is paid at the expense of the state;
- payment for housing and communal services, regular pensions and free treatment;
- improvement of living conditions and allowances;
- providing subsidies for housing without waiting lists;
- 50% discount on utility bills;
- purchasing solid fuel at a reduced price for a private home, etc.
Similar benefits, as well as subsidies for a mortgage with a disabled child, are provided for by federal law as amended in July 2021.
There are also regional assistance programs. They include the provision of housing for families raising a child and the right to receive land ownership without waiting in line. If you have severe mental illness, real estate is provided under a social rental agreement, and rental costs are also compensated. And any living space given to such a family must be equipped with special devices that simplify the child’s life.
In addition to the requirements for caregivers and the child, there are restrictions that the current residence (if any) must comply with.
- The available square footage is insufficient by regional standards.
- The building where the family lives does not meet sanitary standards.
- The house is declared unsafe or the housing is shared with strangers.
- The family lives next to people who have been diagnosed with dangerous diseases.
But it is mortgage benefits for parents of disabled children that can significantly improve their living conditions. Such subsidies are issued by parents after sending an application to the authorized bodies. The procedure is carried out in several stages:
- Submitting an application for benefits.
- Collection and provision of documents and certificates.
- Preparation of grounds for subsidies.
- Checking the application and the authenticity of the documents.
- Making a decision on the appeal.
At the last stage, everything depends on the type of help the family is counting on. If we are talking about a mortgage for a mother with a disabled child, then the result will be the signing of a loan agreement on preferential terms. If the applicant asks to provide a site for construction, then it is included in the appropriate lists and papers are drawn up. Therefore, it is important to indicate the purpose of the subsidy when contacting the competent authorities.
In the case of repaying a mortgage with a disabled child, the loan is issued to the legal guardians or parents. This means you will have to confirm a family or other connection with the recipient of the benefit. Without this, you cannot count on subsidies. The remaining rules for receiving the compensation mentioned above are specified in Law No. 181-FZ. It also spells out the order of priority for providing preferential conditions for children with disabilities.
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Author:
Mortgage specialist Maria Yurievna Sokhan
Publication dateNovember 14, 2019November 29, 2019
Legislation
In accordance with Article 17 of the Federal Law on the Social Protection of Persons with Disabilities, families with minor children with disabilities who are in need of improved housing conditions have the right to register with the local government and are provided with housing on a first-come, first-served basis. The procedure for providing a subsidy for the purchase of premises is established in accordance with the local regulations of the subjects, which are contained in regional legislation.
Most common mistakes
Mistake #1. Disabled people are given priority housing and can get it quickly.
No, they also form their own queue during registration, so getting real estate in a few months is problematic.
Mistake #2. Beneficiaries can receive a free social package and monetary compensation at the same time.
No, this category of citizens has the right to use the benefits due from the Pension Fund; payments from Social Security stop when applying for a social package.
Legislative regulation
The law of the Russian Federation has invented a special system that allows families with disabled children to purchase housing. The right to improve housing conditions and provide living space for disabled children can be guided by Article 17 of Federal Law No. 181, which was adopted on November 24, 1995.
For those who were registered after 01/01/2005, housing squares are issued in accordance with Article No. 57 of the Housing Code.
Living space for a disabled child in terms of standards
At the federal level, there is no specific value for the minimum size of housing that can be provided to a disabled person. This right is granted to local authorities. The number of square meters is affected by various conditions. So, for example, in Moscow, 18 sq.m. are allocated for one person who falls under the category of a disabled person. minimal.
In other regions of Russia there may be other regulatory indicators, which can be found in local legislative acts.
FAQ
Question No. 1. If the family of a disabled person receives monthly monetary compensation and changes their place of residence, do they need to inform Social Security about this?
In the regions, the EDC is provided by the Social Security Authority at the citizen’s registration address. If it changes, you must submit the relevant information for the new place of residence, and then the compensation will be assigned again.
Question No. 2. What to do if Social Security unreasonably refuses to register for housing?
If the decision is truly unfounded, it is subject to appeal in court through administrative proceedings. You can also file a complaint with the prosecutor's office at your place of residence.
