Is there a preferential social mortgage for disabled people?

The legal topic is very complex, but in this article we will try to answer the question “Mortgage with a disabled child, benefits 2020.” Of course, if you still have questions, you can consult with lawyers online for free directly on the website.

• 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 over the next five years.

There are also regional assistance programs. They include the provision of housing for families raising an incapacitated 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.

Under what conditions is a preferential loan provided?

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.

• have Russian citizenship and appropriate registration;
• the child was born disabled or became disabled as a result of some incident/illness;
• the disability status of a disabled child is officially formalized;
• In addition to the disabled child, the family is raising two or more children;
• the parents of a disabled child do not have housing or it does not meet the standards;
• guardians of a disabled child meet the age limit - 21-75 years;
• parents have an excellent credit line;
• the potential borrower and co-borrower have income sufficient to make monthly payments;
• the state approved the subsidy.

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Rules for providing mortgages for disabled people in 2020

Providing loans for the purchase of housing to Russians with disabilities is regulated by the following laws:

• “On social protection of disabled people in the Russian Federation” dated November 24, 1995. No. 181-FZ;
• “On the basics of social services for citizens in the Russian Federation” dated December 28, 2013. No. 442-FZ;
• “On state social assistance” dated July 17, 1999. No. 178-FZ;
• “Housing Code of the Russian Federation” dated December 29, 2004. No. 188-FZ;
• By Government Decree of December 14, 2005. N 761 “On the provision of subsidies for the payment of housing and utilities.”

People with disabilities and families with disabled children in need of housing (improved conditions) are provided with premises at the expense of federal subsidies when they are registered before 01/01/2005. Further, for such citizens, the acquisition (increase) of residential premises is possible in accordance with housing legislation - at on general grounds.

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Subjects of the country are given the right to decide for themselves the issue of allocating additional benefits. Favorable loan conditions can be provided if a person falls under other government programs, for example, for:

• young specialists;
• young families;
• military;
• public sector workers.

In general, banks' approach to disabled people is stricter. If a mortgage for disabled people of group 3 is possible on a general basis, since a person, as a rule, works (even in retirement) and receives benefits from the state, then for categories of group 2 it will be necessary to insure life and health. Incapacitated persons of the 1st disability group will most likely be denied a loan, offering to issue a loan for a capable relative.

Which banks can give a mortgage?

A number of large banks, ready to cooperate with disabled borrowers, offer the following lending options:

Who can qualify for a mortgage loan

According to the above program, preferential conditions apply to families in which the second or third baby was born and this happened after January 1, 2020.
Only in this case can parents apply for a loan at 6% per annum or even less, and the state will return the missing amount to the bank. Mortgages for families with a disabled child are issued under slightly different conditions. Anyone who has at least one child with a disability can count on a preferential interest rate. And in this case, you should pay attention to the following points:

• date of birth does not matter. A reduced interest rate can be obtained by anyone who has a child with a disability and this person is under 18 years of age;
• Families whose disabled child will be born before the end of 2022 can also apply for a loan. They can apply for loans until the end of 2027;
• The state does not establish requirements for the group and duration of disability. That is, if the child has disabled status, the loan must be issued. And if after a few years the disability is lifted, the interest rate will still remain the same.

It remains to be more carefully familiarized with the conditions under which mortgages are issued for families with disabled children. The standard parameters of the lending program apply here.

Preferential mortgage for disabled people

There are no special mortgage programs for people with disabilities yet. Such citizens can receive preferential conditions in the form of state social assistance. In some regions, the following are possible for people with disabilities:

1. payment for part of the loan (or making a down payment);
2. obtaining a housing certificate;
3. compensation of part of the interest from the budget.

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Russians with disabilities have access to standard options for preferential housing loan programs:

• target direction of maternal (family) capital;
• subsidies for young families;
• mortgage for young professionals (teachers, doctors, scientists);
• state subsidies for low-income, large families raising a disabled child.

If a Russian with a disability applied for state assistance before 2005, he is entitled to subventions from the budget. Those who reported housing problems later than January 1, 2005 receive mortgage guarantees from the state in order of priority under the following conditions:

• lack of own housing;
• living in premises that do not meet the area standards for a particular region and sanitary conditions;
• living in a shared area with strangers (not relatives);
• registration in a hostel, communal housing.

How the state preferential mortgage program works

For 2020, there are two federal assistance programs:

1. Free housing;
2. Mortgage benefits.

Unfortunately, the waiting list for the first program is too long: a family can receive a new apartment a decade after registering.

Unlike the social housing program, obtaining mortgage benefits is somewhat faster. The benefit is also issued on a first-come, first-served basis, so it usually takes from six months to several years before the family of a disabled child moves into a new home.

Required living conditions

In order for a child to get on the waiting list for housing or a mortgage, one of several conditions must be met:

1. The family's current housing must be less than the regional standard;
2. The house does not meet sanitary requirements (it is unsafe);
3. The family lives together with people suffering from dangerous diseases;
4. The child and his parents live in a dormitory or share a house/apartment with another family that is not related.

Each of these conditions must be confirmed by a number of documents.

Documents required for registration in the program

The documentation provided depends on the basis for receiving housing. In most cases you will need to provide the following package:

• Certificate confirming the fact of disability;
• Child's rehabilitation sheet;
• Extract from the house register;
• Documentation on creating a personal account;
• Additional papers (medical certificates, medical records) clarifying the circumstances of the case.

The documents must record the need for housing and the cause of the disability. Both facts are established by a medical and social examination.

Features in regions

In addition to the federal program, which is mandatory throughout Russia, individual regions may provide their own payments or preferential conditions. Since the features of supporting disabled children differ at least slightly in each region, it makes no sense to describe them all in one article.

You can find out the details of family support when registering with the social security authorities. Employees are required to explain the differences with federal legislation and describe the possibility of additional assistance.

Mortgage for families with a disabled child

Social assistance in the form of a mortgage is provided to a family with a disabled child if the family living space does not meet the established standards:

• per family member
• due to the nature of the illness, a disabled child is given the right by law to a separate room;
• the family lives with another family in the same area or in an apartment with non-isolated rooms;
• the family lives in a dormitory;
• The family rents housing from the state fund on a sub-tenant basis.

Conditions for obtaining a mortgage for disabled people (groups 1, 2 and 3)

If a disabled person decides to take out a mortgage loan, including taking advantage of benefits, then he first needs to pay attention to the conditions for its provision. In particular, you need to pay attention to:

• the amount of the interest rate (if the applicant is able to take advantage of the preferential lending program, he will be able to obtain a mortgage at a lower interest rate);
• the amount of the down payment - it may not be preferential at all;
• the presence of additional payments and commissions;
• term for provision of borrowed funds;
• the presence of a requirement for life and property insurance (this condition affects the size of the monthly loan payment);
• requirements for the borrower.

As a rule, people with disabilities can get a mortgage with an interest rate that is 2-3% lower than the standard rate.

At the same time, they can also take advantage of various benefits and subsidies under the conditions of an already issued and existing mortgage loan. But this opportunity can only be used in cases where:

• the apartment where a person with disabilities lives does not meet the minimum requirements and standards established by law (i.e. it is impossible to live and exist in it);
• a disabled person lives with several families;
• lives in a communal apartment.

Refusal of a mortgage for a disabled person

Banks put forward standard conditions for their borrowers, and disability in itself is not a reason for refusal. A mortgage for disabled people of group 2 or 3 is issued if the applicant meets the requirements for:

• solvency;
• age;
• the amount of the down payment;
• ownership of property.

If refused, the borrower can provide additional collateral, guarantees from other healthy persons, reduce the amount of the application, try to apply for a loan through another credit institution or for government support. If the refusal is unfounded, the citizen has the right to go to court.

Key points when applying for a mortgage for a person with a disability

If a person with disabilities owns real estate that meets the standards, then obtaining a mortgage remains possible, but only on general terms and for working disabled people.

The disability pension cannot be taken into account in the calculation of solvency; the calculation is based on the provided certificates of income from the main (and possibly additional) place of work.

Also, life insurance for the purpose of a mortgage loan can be significantly more expensive than in the case of a regular borrower. This is exactly the case when it is worth weighing and comparing the cost of annual insurance (especially if the disabled person is over 45 years old) and the overpayment (per year) due to an increase in the rate due to the refusal of life insurance.

Based on the final overpayment, perhaps the benefits of insurance will be visible, but not everyone will be able to afford to pay a lump sum every year for very expensive insurance. Often, to obtain such insurance, you need a medical examination (at the expense of the insurance company) and many certificates confirming your health status, and as a result, the insurance rate will still be several times higher than under normal circumstances. Naturally, you can refuse expensive insurance only after receiving approval, otherwise this may lead to a refusal of the loan.

Excerpt from article No. 17 “Providing housing for people with disabilities”