Mortgages for public sector employees in Sberbank, state support for social mortgages in 2020

It is no secret that government employees cannot boast of a high level of income, due to which it is sometimes difficult for them to get a loan, not to mention a mortgage loan. To facilitate lending, the state is developing special programs, attracting large and state-owned banks to participate. Based on this principle, mortgages for public sector employees were developed at Sberbank.

Every year the state develops and implements various programs to support socially vulnerable populations

Requirements for public sector employees for mortgages

The following social groups can take advantage of the benefits: doctors, teachers of any level of accreditation, military personnel and employees of the Ministry of Internal Affairs, public service employees. Sberbank offers mortgages to public sector employees in 2020 using benefits to categories of citizens distinguished by the following characteristics:

1. The citizen receives wages from the state fund;
2. lack of housing or the need to improve living conditions;
3. the large family;
4. young family;
5. military personnel and veterans.

Necessary documents for obtaining a social mortgage

In this case, you will need to collect the relevant certificates and papers confirming your belonging to one of the categories. Benefits for obtaining a housing loan can be expressed in the following ways:

• low interest rate in comparison with those offered for other groups of citizens for this product;
• transfer of the amount to pay the first share of the loan;
• a one-time government payment that can be used to pay off part of the debt.

Mortgages for public sector employees

Advice from lawyers:

1. My son was imprisoned, I pay his mortgage for him, is the mortgage issued for me, benefits? I'm a budget employee.

1.1. There are no benefits.

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2. Is it realistic to take out a mortgage in Crimea if you are not a state employee or a military personnel?

2.1. No, it's unrealistic. Banks located in Crimea do not provide it to this category of citizens.

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2.2. Check with banks. If the borrower is solvent, the loan will be given. A mortgage is a security against real estate.

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3. What social mortgages for state employees are currently available in the Nizhny Novgorod region?

3.1. Hello! 1. one-time payment at the initial stage of construction from 10 to 15% 2. one-time social payment at the birth (adoption) of a child - 5% 3. monthly social payment for interest compensation in the amount of 10% per annum, but not more than the loan rate and no more 120 months.

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4. I am 51 years old, I have housing in the village, but there is no work there. I want to buy a small studio in a new building. Can I get a mortgage if my official income is more than 45,000 rubles and I am a state employee?

4.1. Irina, this question should not be asked to us, we do not issue loans... Contact credit organizations.

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5. My wife and I are divorced and have 3 children. In 2012, my wife received state support for state employees and bought a 1-room apartment with a mortgage. I am a borrower, she is a co-borrower with 1/2 of each share. In 2017 we sold this apartment. Divorced in June 2020. Question: can I buy an apartment with the help of a young family so that my children can live in this apartment? Since I'm in the state. did not participate in the programs.

5.1. If you haven’t taken part before, you can buy it.

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6. We want to get on social media. mortgage with my husband, he is a state employee. We got married in 2020. This is the question. I am registered with my mother, where besides me three other people are registered: mother, sister, sister’s daughter, apartment 42 sq. m. My husband is registered in a private house with 28 sq.m. If I register with my husband now, then I can immediately get on social media. mortgage or do I have to wait for some time? Wouldn't this be a deterioration in living conditions?

6.1. Hello. You can become immediately.

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7. I am a public sector employee; in 2014, when applying for a mortgage loan, VTB 24 Bank kept silent about the fact that as a public sector employee, I could get a mortgage at a preferential interest rate. The mortgage was issued at 12.35% per annum, due to a decrease in the key rate of the Central Bank, in February 2018 I contacted the bank with a request to recalculate the interest rate, did not receive a written explanation, but received a verbal refusal. What can be done in this case?

7.1. You can file appropriate claims in court, but first you need to study the grounds for benefits and the lending procedure. For a more detailed consultation, you can contact us privately. Sincerely, financial lawyer – Stepanov Vadim Igorevich.

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8. We took out a mortgage for 800 thousand. The housing costs 1,400,000 rubles, the area is 42.6. We made a deal. I am a state employee. Salary 16-18 thousand. I am 44. I have a husband and a daughter, 11 years old. There was no home. My husband is a worker and works unofficially. If I get the same job, the salary will be 10 thousand. Can I count on some kind of subsidy?

8.1. Submit an application to the social department of the administration, you should write it in two copies, and the receiving party must sign yours..

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9. A family of two: a mother on a budget, a son who has been disabled since childhood and suffers from a severe form of cerebral palsy (a wheelchair user) received social benefits. mortgages in 2008 for housing with a standard area of ​​42 sq. m. When receiving the apartment, the additional area was not taken into account; the family had the right to receive 50.4 sq.m. at a reduced price. No housing subsidy was provided. The mortgage has not been repaid, the apartment is already available, how can I restore benefits for the family?

9.1. You also had to challenge the removal of your family from the waiting list for larger housing. You probably did not refuse the apartment provided - you signed a consent. I advise you to contact the prosecutor's office with a complaint if your rights are violated. The prosecutor's office will check and give you an answer.

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10. We are a young family (31 years old) with 1 child, we want to take out a mortgage for a new building. Not military, not state employees. Currently, our standard of living space per person exceeds the minimum for the region (12 sq. m. in Kostroma). Tell me what government subsidies we can count on?

10.1. It doesn’t matter to the bank whether you have living space and what its size is, therefore, if you have a down payment, an official place of work and income that allows you to pay the loan, as well as a good credit history, fill out an application to the bank. There are no subsidies, you can count on a tax refund. If you bought an apartment with a mortgage and have not yet received a tax deduction, if you have an official place of work, you can contact the tax office to return the amount from the purchase of the apartment (no more than 2 million rubles, i.e. 260,000 will be returned to you), then return deduction for interest paid on an amount not exceeding 3 million, i.e. no more than 390,000. How much income tax you paid per year, that much will be returned per year (the amount is indicated in the personal income tax certificate 2, take it from the accounting department). You will repay for so many years until you have repaid the entire amount.

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10.2. Hello. If your accounting norm exceeds, then you cannot count on any subsidies. Since assistance from the state is provided only to those who are recognized as needing to improve their living conditions - Art. 51 Housing Code of the Russian Federation. All the best to you and successful resolution of the problem. Thank you for choosing our site.

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11. I would like to know if there are any programs or mortgages for state employees at the moment. In the Nizhny Novgorod region.

11.1. Good afternoon Each region has its own rules and conditions, so as for assistance with a mortgage, you need to contact the Housing Mortgage Lending Agency and find out more details there.

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11.2. Hello! In accordance with the terms of the preferential program, the mortgage interest rate for public sector employees cannot exceed 12.00% per annum. Individuals who decide to improve their living conditions in this way will receive a lot of advantages: there are no hidden fees or additional payments; borrowers have the opportunity to take out a credit holiday, during which they will only need to pay interest; the state will reimburse payments under the mortgage program up to 200,000 rubles, etc.

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11.3. Good day, Natalia! Yes, it exists. State program “Providing the population of the Nizhny Novgorod region with affordable and comfortable housing.” The implementation period of this program is calculated until 2024. The total volume of its financing during this time will amount to over 9 billion rubles. Participants in the subprogram “Providing housing for employees of healthcare institutions, education, social security, culture and sports, scientific organizations using mortgage lending” can become citizens no older than 54 years of age who have worked in these industries for at least a year. To do this, they must either join a housing construction cooperative during the construction of a low-rise apartment building, or decide to build an individual residential building.

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12. We live in Novorossiysk. My husband is 37 years old, I am 33, and have two minor children. I am a state employee. We live in a house owned by our mother-in-law. We want to buy our home with a mortgage. Can we count on a subsidy for the purchase of housing? If yes, where should we go?

12.1. Good afternoon You need to contact the administration in writing for clarification; you can receive a written answer through their website. There is no established application form. It is written in free form, outlining and explaining the circumstances of the case. From whom, your address and telephone number, to whom (full name or name of organization, position), what, where, when, what you are asking for or what you want to know... Date, signature.

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13. We are a family: father, 34, mother, 32, two children under 6 years old. The apartment has a mortgage. There was a state subsidy for public sector employees. Maybe gov. impact still provide assistance in repaying the mortgage? Thank you.

13.1. Hello, Anna Nikolaevna! If you have already used maternity capital and additional assistance, then it is problematic to count on more. Try contacting social services. protection.

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13.2. Hello. You have already been provided with assistance from the state; you must repay the mortgage loan yourself. Best wishes.

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13.3. Unfortunately, there are currently no programs to help pay off your mortgage; you can, of course, contact the bank and try to reduce interest or get a deferment.

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14. I took out a mortgage loan to purchase housing (apartment), I worked and am currently working in a budget organization as a teacher with children, I took it out at 14.6% per annum for 20 years. Recently it was suggested that there are some benefits for state employees at low mortgage rates. Tell me if I can reduce the interest rate on the current mortgage and where to go for advice, I live in the city of Novosibirsk. I applied through Sberbank.

14.1. If your loan agreement provides for a reduction in the interest rate, contact the bank with an application to revise the interest rate.

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15. I work as a nurse in a clinic, please tell me, we have had a mortgage since 2012, another child was born in 2020, I have three of them. Is there any help for me as a public sector employee from the organization in which I work (mortgage)

15.1. Hello, a medical worker can provide a subsidy at the place of work to pay off the mortgage in the amount of 10%, please contact your HR department with this question. Thank you for your request.

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15.2. Good afternoon. Such questions should be asked in your organization, in a trade union if you are a member of one, or in social security. Lawyers who do not know the internal documents of your employer do not know this.

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15.3. Hello. Please contact the administration of the medical institution where you work or the city administration with this question. Some regions actually offer mortgage repayment assistance for public sector employees.

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15.4. Hello. You can find out about assistance from your organization directly from your manager or human resources department. The bank itself does not provide any mortgage benefits.

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16. When buying an apartment with a mortgage in Moscow, can a state employee count on any benefits? In which area of ​​Moscow are cheap apartments for sale? Thank you.

16.1. Good afternoon. Loan terms depend on the bank you contact. There are unlikely to be any benefits, just choose the optimal conditions. Cheap apartments are sold in the near Moscow region and environmentally unfavorable areas (for example, Kotelniki).

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17. I have a question, I work in a budget organization as a secretary for half a year, do I have the right to take out a mortgage on a house in a village for state employees. Tell me which mortgage is better to take. Thank you in advance!

17.1. You have the right to take out a mortgage as a public sector employee. For detailed consultations, contact the administration and banks. Good luck to you!

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17.2. Why are you asking lawyers these questions? We can only tell you what will happen if you don’t pay your mortgage. Find out other questions from the bank.

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18. My father is a former military man, now in the reserve. I work as a teacher, that is, I am a public sector employee. Can we count on any benefits when obtaining a mortgage? Are there any government programs, from Sberbank, for example, or from a developer? Thank you!

18.1. Hello! Military personnel who have served 10 years or more and need improved housing conditions cannot be dismissed from military service without their consent upon reaching the age limit for military service, health conditions, or in connection with organizational and staffing measures, without providing them with housing or subsidies. for its purchase (link Guarantor). Contract workers who have served for more than 3 years have the right to purchase housing using a preferential savings mortgage.

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19. Please tell me, can I receive a subsidy as a state employee by taking out an apartment with a mortgage (I already have one apartment with a mortgage under the young family program)?

19.1. You cannot use the benefit again if you have already used it, you will not be registered as needing improved housing conditions—Article 51 of the Housing Code of the Russian Federation.

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20. How to resolve the issue of social benefits for housing. I RECEIVED SOCIAL PAYMENTS TO PURCHASE HOUSING FOR STATE EMPLOYEES, TOOK OUT A MORTGAGE, BUYED AN APARTMENT, BUT INSTEAD OF 5 YEARS, I WORKED FOR 3 YEARS AND MOVE TO ANOTHER INSTITUTION IN THE SAME INDUSTRY WHERE I WORK. NOW THERE IS A DEMAND TO RETURN THE PAYMENT! WHAT TO DO.

20.1. NOW THERE IS A DEMAND TO RETURN THE PAYMENT! WHAT TO DO: You need to study the terms of the program and write an objection to the requirements, providing supporting documents.

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20.2. If the condition of the payment was an obligation to work for a certain period of time for a specific employer (in an organization/institution/enterprise), then you will have to return an amount proportional to the time not worked.

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We are planning to submit documents to receive a social mortgage (for state employees).

I live and work in Saratov 23, I rent an apartment all the time, I can’t buy it,

Can you give me any hint? I am a teacher and took out a mortgage 2 years ago. But I recently found out that I could take advantage of the discount for state employees and buy an apartment cheaper.

In 2006, as a public sector employee, she received an apartment on a social mortgage (State Housing Fund under the President of the Republic of Tatarstan)

Do we have the right to subsidies if we took out a mortgage in 2011 as a public sector employee? We have two children, but one has a share in another apartment.

The apartment was purchased under a social program for state employees - healthcare, mortgage for 10 years.

Can I apply for a subsidy under the housing program for state employees?

I have lived in Khanty-Mansi Autonomous Okrug since 2011 and work in a hospital. From 2011 to 2014 it had temporary registration.

I bought an apartment, I am an employee of the State Budgetary Institution, is there any program to return some of the money (I have a mortgage)

Construction of a house on a mortgage for public sector employees, the developer is building a house with violations, has stopped construction, i.e.

We pay the mortgage, my husband is the only owner. I’m on maternity leave, I have a budget organization, my husband has a private one.

Mortgage for young families - interest and conditions in 2020

In 2020, Sberbank offers mortgages to public sector employees as part of the following programs: Young family, for the military, social.
You can use the first option if the couple is under 35 years old.

Housing loans supporting young families

For other types of mortgage loans, the bank also reduced rates:

• purchase of housing under construction - from 7.4%;
• purchase of housing from the secondary market - from 8.6%;
• using maternity capital - from 8.9%.

Loan conditions within the Young Family
To keep interest rates lower, it is worth concluding an agreement with short repayment terms (up to 10 years). If one of the spouses participates in the bank’s salary project, the rate will be reduced by 0.5%. It’s a good idea to insure your health to get an additional 1% discount. You can apply for a loan under this loan product without explaining your income level, however, in this case, less favorable conditions will be offered.

If a family has received a certificate for maternal money upon the birth of a baby, these funds can be used to pay off the first part of a housing loan or repay a debt.

Registration procedure

So, you have already learned above where to apply for a certificate. But after the certificate is ready, you can safely go to the bank.

To do this, you should prepare in advance and collect a package of the following documents you need from the bank:

1. A correctly completed application for a preferential mortgage;
2. A copy of an identity document (passport) for you and your entire family;
3. Don't forget a photocopy of the birth certificate for all children;
4. It would also be useful to have a mortgage agreement with a printed payment schedule (you will need to take with you not only the original, but also make a photocopy);
5. Certificate of salary received from your place of work indicating the period during which you worked in this service;
6. A copy of your work record book, which must be certified by the employer;
7. A certificate confirming that you really have no debt to the creditor;
8. Details that belong to the bank (it is to this account that, if approved, compensation will be transferred);
9. An extract made from the Unified State Register, which will relate to the housing you are buying;
10. Certificate of state registration of ownership of housing (you will need both the original and a photocopy of the document);
11. Sales and purchase agreement (same as in the previous case, you will need the original and a photocopy);
12. Reference. Taken from the Housing Office, about the composition of your entire family;
13. An extract that must be taken from the house register.

Social lending program

Social mortgages at Sberbank for public sector employees are offered to achieve any goals:

• Buying an apartment from private individuals (secondary market).
• Housing in a new building or in a house at a certain stage of construction.
• Purchase of a private house, plot.
• Construction of your own house.

Requirements for clients when applying for a housing loan
The maximum repayment period that can be counted on is 30 years. It is permissible to issue a loan in a currency other than the national one. As part of a social project, an employee can receive a certificate for the issuance of a certain amount to repay part of the loan. Typically, its size is 30% of the housing price, according to an expert or market assessment. If there are minor children, the subsidy amount increases to 35%. Based on the specific situation, municipal authorities can increase its size to a maximum of 45%.

Read about how to apply for a housing loan in the article - Stages of applying for a mortgage at Sberbank.

Where to go for benefits and what requirements the borrower must meet

Employment in a municipal organization alone is not enough to count on a mortgage with government support. There are other requirements for potential borrowers:

• Work in a municipal or state structure must be official; the role of a bank client can be a person enlisted in military or police service, a customs worker, an education worker, a healthcare worker, a rescuer or a firefighter;
• The duration of work in such structures should be three years or more. Citizens over 35 years of age must have at least 25 years of work experience in a position;
• The borrower either does not own any real estate at all, or the housing has been declared unfit for habitation.

To exercise the right to receive a social mortgage or to take part in a government subsidy program, a citizen must first contact his supervisor with an application. Then collect a package of documents and go to the bank office where a subsidy program is available or there are preferential mortgages.

Advice: read also Who is entitled to a social mortgage

For example, Sberbank offers to buy housing from a developer under such a subsidy program. In the city of Orenburg there are several developers who can take out a mortgage for a new building at 7.4% per annum (taking into account the fact that the client will use an electronic transaction registration system). A more detailed list of cities, which includes St. Petersburg, can be found on the bank’s website in the “Housing under construction” section by going to the menu for the list of participants in the subsidy program. Here you can also take out a loan for housing for military personnel.

Mortgages for the military from Sberbank

Basic conditions for lending to defenders of the Motherland
Lending for housing purchased by military personnel has certain features. They are expressed in their participation in the NIS program, as well as in the cutoff age - up to 45 years. Therefore, the offer is designed for a maximum repayment period of 20 years.

Read more - Military mortgage in Sberbank

Loan costs for military personnel

He has the right to spend the funds credited to the military’s special account for the down payment. Subsequent receipts to the account will also be redirected to payment of obligations. At the moment the rate has been reduced to 9.5%. If there is a shortage of funds, the military has the right to apply for an additional loan to pay off these obligations.

Lending terms

Loan conditions for military personnel participating in the NIS

Mortgage for public sector employees 2020

• The minimum down payment must be 10% of the property price;
• Rate from 9% per year for the primary market and 9.5% for the secondary market;
• Possibility of using maternity capital;
• The duration of the loan does not exceed 30 years;
• It is possible to receive a deferment of payments after the birth of a child.

But here you need to remember that a mortgage loan for public sector employees involves preferential conditions only if we talk about the “Housing for the Russian Family” program. We will discuss below what mortgage conditions are offered for workers in these areas.

Innovations in 2018-2019

Sberbank successfully implements itself in all state programs proposed by the Government of the Russian Federation. And 2020 was no exception.

Thus, in 2020, young teachers 9.5% . In addition, part of this amount is returned to mortgage payers every year in the form of compensation.

In order to provide a down payment, young teachers can take advantage of a subsidy equal to 20% of the housing price. However, the subsidy amount cannot exceed 20% of the mortgage.

Special conditions are also offered for the military. They are allowed to purchase both primary and secondary housing. For this category of borrowers the interest rate is 9.5% . Due to the fact that military personnel retire early, there is an age limit for them - at the time of loan repayment they must be no more than 45 years old .

You can watch the video about the importance of social mortgages:

Mortgage for public sector employees 2020

young scientists; teachers; military personnel of the Russian army; doctors. An applicant for state support must document not only his status, but also the need to receive one or another type of assistance.

Or Currently, financial institutions offer a large number of lending programs. Consumer or targeted loans In no city in the Russian Federation can you see a sign on a building with the name “Bank” In banking terminology, there are many concepts that are not clear to all clients.

Conditions

Next, we will look at the conditions that apply to a military mortgage.

Available amounts

The minimum for which you can take out a mortgage loan is 300 thousand rubles . While the maximum is 2,330,000 rubles.

Mortgage terms

The minimum loan term at Sberbank is 1 year, while the maximum cannot exceed 20 years .

Interest rates

The advantage of this mortgage program for the military is that housing is issued at 9.5 percent per annum.

Other conditions

The following conditions also apply to a military mortgage:

• Mortgages are issued only in Russian rubles.
• The down payment on a military mortgage must be at least 15%.
• There is no mortgage origination fee.
• The purchased property is necessarily insured against destruction/loss.

All these requirements should also be taken into account when applying for a mortgage. Detailed loan terms can be viewed at https://www.sberbank.ru/ru/person/credits/home/military.

Rules for providing preferential mortgage loans for public sector employees

Compared to this year, mortgage lending in 2020 will become more accessible due to the fact that all the largest banks in the country are lowering loan rates following the Central Bank, which did this first.

1. State employees who live in the same area with relatives and do not have their own apartment property;
2. Beneficiaries who rent housing or live in communal apartments, and again do not own personal property;
3. Beneficiaries who do not have enough square meters for living (the property is less than 14 square meters per person), or in premises that cannot be called suitable for living in them.

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