What documents are needed to apply for a military mortgage?

Documents for obtaining a military mortgage – Military Mortgage Company VIC

Every citizen of the Russian Federation who has entered into a contract for military service, after 3 years of participation in the savings-mortgage system, can receive savings in the form of a loan from the state.

Cash funds are used as a down payment on a military mortgage, and after a transaction for the purchase of residential real estate - towards payments for its repayment.

When calculating the upper permissible limit of a mortgage loan, they are guided by the amount of contributions that a military man will accumulate if he serves until the age of 45. Wherein:

investment income is not taken into account;
parameters such as inflation and loan rates are considered.

A serviceman cannot get financial resources into his hands. They are sent to a bank account in a non-cash manner. They can be used only for a specific purpose, that is, to purchase housing (for example, an apartment or house) under the NIS program. Financial resources for a targeted housing loan (CHL) are allocated from the state budget by Rosvoenipoteka.

To obtain a military mortgage, a participant in the NIS state program must provide the bank with a package of documents, including:

certificate of participant in the funded military system. It gives the serviceman the right to use the TsZZ (this paper is drawn up and provided by Rosvoenipoteka);
an application form indicating your intentions to obtain a mortgage loan;
the borrower's agreement for the processing of personal data;
passport and identity document of his/her spouse;
consent from the official husband/wife to purchase residential real estate on credit. This paper is necessary in the absence of a marriage contract; it must be certified by a notary;
marriage certificate, birth certificate of children, if any.

What package of documents is provided when applying for a military mortgage to purchase housing on the secondary market?

According to the terms of a military mortgage, it is permissible to purchase housing in the “old stock”. You should obtain documents for the apartment from the previous owners of the property, which the bank will subsequently take as collateral. The package of papers must contain:

a copy of all pages of the passport of the owner of the property;
a copy of the seller’s marriage certificate/divorce;
extract of the Unified State Register/certificate of ownership of a specific property;
a copy of the permit for the sale of housing (this is necessary when the share of property belongs to minors, incompetent or partially capable citizens);
certificate from the BTI;
contract of sale.

In addition, owners of housing in the “old stock” must provide the bank with documents stating that the property has no encumbrances, that is, it is not under collateral. An original certificate confirming the absence of debts for housing and communal services is also required. It can be replaced with copies of utility bill receipts. The consent of the spouse to carry out the transaction is required.

What package of documents is provided when applying for a military mortgage to purchase housing in a new fund?

When purchasing residential real estate in a new building, the developer is required to provide a full package of title documents. The list of securities is determined by 370 PPRF dated May 15, 2008. After its provision, Rosvoenipoteka makes a decision on the possibility of issuing a loan. The following are considered:

copies of the loan agreement containing all attachments;
CZL agreement (three copies required);
copies of the agreement on opening a bank account for a military personnel;
preliminary agreement for shared participation in construction, containing all annexes.

Only if all the papers are completed correctly, Rosvoenipoteka signs the CZL agreement and transfers to an open bank account the amount corresponding to the down payment. After signing a contract for the purchase of real estate in the “new fund”, a mortgage is issued at the bank.

note:

When purchasing housing under construction with a military mortgage, you should focus on the requirements and conditions of a specific bank. As a rule, they relate to the accreditation of purchased real estate by a credit institution under the NIS program. Of course, this does not give a 100% guarantee of the reliability of the object, but it allows us to judge its relative safety in the real estate market under construction.
Before applying for a mortgage loan, it is advisable to obtain professional advice and recommendations. Only specialists can preliminarily determine what additional documents a serviceman may need, taking into account individual circumstances.

Military mortgage: list of documents

Purchasing housing using funds from a targeted housing loan for military personnel includes several stages.

Almost each of them requires the preparation, collection and provision of certain documents.

First of all, a representative of the armed forces of the Russian Federation who wishes to exercise the right to a military mortgage needs to draw up a report on inclusion in the NIS register (savings-mortgage system).

Take the test and we will find you an apartment. After submitting this service document, you should check whether it is registered in the accounting journal of the Ministry of Defense of the Russian Federation. The time of registration determines how soon the state will begin to transfer security funds.

A personal NIS participant card is created for the military personnel, which will indicate his registration number, personal information and reasons for inclusion in the program.

After a notice of entry into the register has been drawn up, a savings account is opened in the name of the military man.

What documents does the bank need for a military mortgage?

The initial package that needs to be collected for the lender includes the following papers:

statement from a serviceman;
original passport and copies of all its pages;
NIS participant certificate, which can be obtained several months after submitting the report;
written consent from the serviceman to the use of his personal data.

To obtain a military mortgage, bank employees may require documents about the borrower’s education, the presence of any property and additional sources of income.

The serviceman has six months to find suitable housing - this is the period during which the NIS participant certificate remains valid.

You need to select a property that will suit Rosvoenipoteka, the lender providing the loan, and the insurance company.

The second package of papers must be provided when the property for purchase has already been selected. Documents for the apartment required by the bank for a military mortgage:

technical passport for the house where the purchased apartment is located;
extract from the Unified State Register of Rights;
certificates F9 and F7 confirming that no one is registered or living in the apartment;
certificate of absence of debts under the Civil Code;
cadastral passport of the object;
certificate of ownership of the property from the current owner (or from each owner, if there are several owners);
documents from the developer on title, if housing for a military mortgage is located in a new building;
a report on the assessment of the cost of the apartment being purchased (preferably from a company accredited by the bank that approved the loan);
marriage (divorce) certificate from the seller;
written consent to sell the home from the wife or husband of the current owner.

Representatives of the Russian Armed Forces who are married will need to provide additional documents to obtain a military mortgage in order to take advantage of preferential housing loans:

original passport of husband or wife and copies of each page;
a copy of the marriage contract (if drawn up) or marriage certificate;
consent of the spouse to participate in the NIS in writing, which must be certified by a notary.

Before applying for a military mortgage, a divorced applicant needs to prepare a divorce document - only this paper will additionally need to be provided.

Package for “Rosvoenipoteka”

A copy of the mortgage agreement certified by the bank.
TsZhZ (targeted housing loan) agreement in three copies. The form can be downloaded on the Rosvoenipoteka website.
A copy of the agreement to open a savings account, certified by a notary.
Borrower's passport and a copy of each page.
NIS participant statement.

What documents are needed for a military mortgage when concluding a purchase and sale transaction?

To sign documents for a purchase and sale transaction, you will need four agreements:

targeted housing loan,
credit with the bank,
purchase and sale,
agency about state registration services.

For the first two, you need to provide the original and a copy, the DCP is required in three copies, the agreement with the agency - in two.

In addition, this list of documents for a military mortgage must include a mortgage on the property drawn up by the buyer in the name of the bank issuing the loan.

If the borrower buys an apartment in a residential complex under construction, instead of a purchase and sale agreement, three samples of the transfer and acceptance certificate will be required.

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.

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.

Buying an apartment using a military certificate

A military mortgage is an opportunity for every military personnel to obtain housing. This program operates throughout Russia . employees of the Russian Armed Forces have the right to participate in the savings-mortgage system .

A citizen receives certain monthly payments from the state, which are transferred to his personal account .

After completing the necessary documents, meeting the requirements for the apartment, and receiving approval from the bank, the person has the right to implement a military mortgage .

The government agency sends the money to the credit institution, after which the serviceman can enter into a purchase and sale agreement and register ownership of the new property.

Savings and mortgage system (NIS) for housing provision for military personnel

Since January 1, 2005, a savings-mortgage system (NIS) to provide housing for persons in military service. The essence of this program is to develop a set of measures aimed at providing their own real estate to representatives of law enforcement agencies.

The main purposes of a military mortgage are as follows:

Increasing the interest of young people in contract service .
An incentive for long- serving to stick to their chosen profession.
There are no restrictions in choosing a place of residence (the use of mortgage funds is possible in any region of Russia).
Reducing the period for providing military personnel with housing . Previously, in order to receive your own property, you had to wait in line for a long period of time to provide housing; now a military man receives the right to receive cash payments after 3 years of service.
State support in cash. A military mortgage is a certain amount that guarantees the ability to choose a property: area, floor, infrastructure, location of housing.

The basic principles of the savings-mortgage system are identified

The opportunity to use funds appears three years from the date of registration of a citizen with NIS.
Military not entitled to receive mortgage payment if he is transferred to the reserve earlier than after ten calendar years of service. The exception is cases if reasons for dismissal are:
family circumstances;
staff reduction.
Annual transfer of finances to the military personnel’s personal account. The amount of such payments is calculated based on the average market value of 3 sq.m of housing.
of any branch of the military who began his service, or re-signed a contract after January 1, 2005, can become a participant in the mortgage savings system

Payment of NIS is carried out by the state, increases annually and is regulated on the basis of the Federal Law “On the savings and mortgage system of housing for military personnel” dated August 20, 2004 No. 117-FZ.

Military personnel personal savings account

Each participant in the mortgage savings system has a personal account , the grounds for opening which are writing an application and entering information about the military personnel into the NIS register .

monthly to the personal account , the amount of which is calculated every year, taking into account the level of inflation. The next year's contribution should not be less than the payment in the previous year. Accrual is made at the rate of 1/12 per month of the total amount.

You can check the savings stored in the account by waiting for an official notification from the Federal Savings and Mortgage System for Housing for Military Personnel (Rosvoenipoteka) . You can find out the information yourself , for this you need:

Visit the Rosvoenipoteka website.
Complete registration steps.
Each military person - NIS participant, having entered his data, will receive the necessary information about savings. Information is confidential.

A citizen cannot receive payments under a military mortgage in person. They are stored in a personal account, and after purchasing housing, they are transferred by the state to the banking organization from which the loan was taken.

Any representative of law enforcement agencies can become a participant in the mortgage accumulation system , subject to the following mandatory conditions:

A person must sign an initial or re- contract for service after January 1, 2005.
A citizen acquires the right to join the NIS only after three years of conscientious service.
After the required period of time has passed, the serviceman must submit a report to his superior about his desire to receive cash payments.
After which the data about the serviceman is entered into the NIS register , and a certain amount is transferred to his personal account every month.

The procedure for joining NIS is as follows:

Submission of a report to senior management, its registration by the person responsible for office work.
The manager prepares a package of documents and sends them to the territorial authority that provides housing.
Employees of the real estate departments summarize the data of military mortgage participants, which are then transferred to the registration authority of the Russian Ministry of Defense.
The Ministry collects information received from all regions of the country and submits the collected information to Rosvoenipoteka on a monthly basis.
The received data is checked by the specified government agency, based on the results, responses are drawn up, which are transmitted back to the Ministry of Defense and from there go directly to NIS participants.

The response to the report must come in the form of a written certificate confirming entry into the military mortgage system, or in the form of a refusal with an explanation of the reasons.

The list of persons who can become participants in a military mortgage is reduced to the following citizens:

Those who have graduated from military or professional educational institutions and have been accepted into service as an officer since January 1, 2005.
Persons who entered into a contract for military service from January 1, 2005 (called up from the reserves or who entered voluntarily).

Military mortgage: documents for registration (full list)

Welcome! Today we’ll talk about the documents for obtaining a military mortgage and the procedure for purchasing an apartment using this program.

How to become a member of NIS

Every Russian citizen who performs military service on a contract basis has the right to join the NIS. Under the terms of this state program, after three years, each participant receives accumulated funds in the form of a cash loan, which can be used to pay the down payment on a military mortgage, or to pay off monthly payments on this loan.

Attention! NIS participants cannot receive CZH funds in their hands, since they are transferred by bank transfer to the accounts of banking organizations in which military mortgage programs are issued. It is also worth noting that they can only be used when purchasing specific real estate items on credit, specified in the CRL agreements.

Every serviceman who seeks to purchase mortgage housing on preferential terms must join the register of the special state NIS program.

After concluding the relevant agreement, the accumulation of funds will begin the next month, and after three years of participation in the program, the serviceman can use the accumulated funds to pay the down payment for a country house or city apartment purchased on credit.

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To become a participant in the savings and mortgage program, a serviceman must contact his superiors and submit a properly completed report. After this, an entry is made about the applicant in the appropriate accounting register. At the next stage, a card is issued for the serviceman, which will serve as confirmation of his participation in the NIS.

The serviceman's leadership transmits information about him to the relevant military authorities, after which the data is entered into a special register, which is maintained in accordance with the regulations of Federal legislation.

The Ministry will check the received documents, after which they are registered, and the participant is assigned a unique twenty-digit number, valid throughout the entire period of military service.

After this, the authorized government body will open a savings account for an individual, to which funds will be credited.

Attention! Each participant in the state program is personally informed about the entry of his data into the register. Military personnel receive appropriate notifications against receipt.

Stages of obtaining a military mortgage

The procedure for obtaining a military mortgage involves several stages:

First of all, an individual must become a participant in the state NIS program, receive a unique number and a Certificate giving the right to enter into an agreement with Rosvoenipoteka.
At the next stage, the serviceman needs to select a property. He should hurry up, since the received Certificate has a limited validity period - only six months.
The third stage is collecting documentation. It must be started in advance, since this will require contacting various departments and government agencies, which may delay the issuance of certificates.
After the documentation package has been compiled, an individual must contact the bank and submit an application for a mortgage product. The applicant's application will be received by the bank within 2-5 business days, after which he will be informed of the decision made.
The bank opens a special account in the name of an individual to which the funds of the Central Life Insurance Fund will be transferred.
After receiving a positive decision from the bank, the serviceman needs to contact a specialized company and conduct an assessment of the property. Next, a mortgage agreement is signed with a financial institution.
The last stage involves the preparation of documents for real estate in Rosreestr and the signing of a purchase and sale agreement.

Attention! The seller of real estate must be notified of the specifics of the upcoming transaction, as well as that funds will arrive in his bank account within a certain period of time after the registration of ownership by a military personnel (approximately 1.5 - two months). A participant in the state program should know that he will have to insure the housing purchased with a mortgage.

What documents need to be collected for a military mortgage?

Documents for registration:

Certificate issued by Rosvoenipoteka.
Application form for participation in the mortgage program.
Written consent of an individual to the processing of his personal data.
Passport.
Tax identification number.
If an individual is legally married, then a notarized consent to purchase an apartment will be required.
Marriage certificate, marriage contract.
Birth certificates of children.
Documents for the property.
Valuation report for purchased housing.
Contract of sale.
If you are purchasing housing from the secondary real estate market, you must obtain a certificate from the BTI, documents confirming the ownership of the individual seller to the apartment, as well as copies of his personal documents. If the seller of a secondary home is legally married and has minor children, then the notarized consent of the spouse for the sale, a document from the guardianship authorities, etc. will be required.

You should know that most banks do not check credit history for military mortgages and do not require documents confirming income, which allows you to receive a positive decision on applications in almost 100% of cases.

Document requirements

All documents collected for the bank must be submitted in two versions: original and copy. In most cases, the lending institution will take copies, but originals are required to confirm them. There are also forms that are notarized, for example, the spouse’s consent to receive a mortgage loan.

Rosvoenipoteka conducts a preliminary examination of a serviceman at the stage of his entry into the NIS. For this reason, when applying for a direct mortgage loan, you will not need a very large list of papers.

Please note that some forms do not have a statute of limitations, such as a passport, marriage contract, birth certificates of children and marriage. But certificates that are taken to confirm the financial status or the number of registered persons at a specified address have an expiration date. Usually they are accepted within a month; if they were issued earlier, the bank will most likely force you to obtain new certificates.

List of documents for a military mortgage

The Military Mortgage program was created to enable military personnel to purchase housing through government subsidies. If a military man wants to use it, he will need to perform the following procedure:

Submit a report to receive a Certificate of Participant in the Savings Mortgage System (NIS) addressed to the unit commander, indicating the reason. It needs to be formulated as applying for a targeted loan for the purchase of housing. After this you will have to wait 2-3 months. During this period, it will be possible to track the progress of documents on the website of the Federal State Institution “Rosvoenipoteka”. The Certificate contains information about the loan amount, monthly deductions and the loan term.
After receiving the Certificate, choose a bank that has facilities that have received accreditation from the Federal State Institution.
Conclude a targeted housing loan agreement with the Ministry of Defense and the bank.
Conclude a loan agreement with the bank, as well as a purchase and sale agreement with the seller.
Register the acquired property rights to the purchased housing.

Main list of documents

An application form for obtaining a loan in the form established by the bank, a copy of all pages of the passport, a certificate of a NIS participant, and the military personnel’s written consent to the processing of personal data by the lender.

Additional list of documents for married military personnel:

Passport and copies of passport pages of your spouse; a copy of the marriage contract (if available) and a copy of the marriage certificate, as well as the notarized consent of the spouse to participate in the Military Mortgage program. If the serviceman is not currently married, but was previously married, he must provide a certificate of divorce.

Documents for the bank:

Information from the registration certificate for the house in which the housing is located; documents from the developer on the ownership of housing; certificates about the absence of residents and registered in the housing, and the absence of debts for utility services; cadastral passport and certificate of title to housing. The bank specialist may also request documents about what kind of property the applicant has, what his education is, and whether there are additional sources of income.

A certified copy of the account opening agreement; statement; a copy of the loan agreement certified by the bank; a copy of all pages of the passport, a draft targeted housing loan agreement in triplicate and information about the assessment of housing.

List of documents for a military mortgage for concluding a housing purchase and sale agreement

Originals and copies of the loan agreement, targeted housing loan agreement (CHL) and real estate mortgage; an agreement for the services of an agent for state registration in two copies, a contract for the purchase and sale of housing and an act of acceptance and transfer of real estate in three copies.

List of documents for military mortgages for state registration of housing

Notarized consent of the spouse for the purchase of housing or a statement about the absence of the spouse (you must also provide a marriage contract if available), a check for payment of the state fee (its amount will be found out during registration), documents signed at the Federal State Institution "Rosvoenipoteka" and jar - in one copy. The following documents must be provided in triplicate: originals of the housing acceptance certificate and the purchase and sale agreement. Originals and copies of the mortgage, loan agreement, targeted housing loan agreement and power of attorney for registration (if the serviceman acts through an agent).

List of documents for a military mortgage required by Rosvoenipoteka and the bank after registration

Originals of the certificate of ownership of housing (for a military man) and extracts from the Unified State Register, copies of a check for payment of insurance, an insurance agreement and a registered purchase and sale agreement. The mortgage must be kept in the bank.

List of documents for a military mortgage to obtain keys to housing

Acceptance and transfer certificate of housing, purchase and sale agreement, certificate of owner and notification to receive keys.

The preparation and collection of documents must be treated very carefully and responsibly. After all, if there is any error or absence of any document, you may not be given a loan. At the same time, the validity of all documents has a limited period and therefore it is best to complete all legal formalities as quickly as possible.

Documentation

Standard targeted housing loan agreement

Form for certificate of absence of rent arrears

Report on obtaining the NIS Participant Certificate

Certificate of right to receive CLP

Contract of sale of an apartment

Written consent to the processing of personal data

Documents for the controlling organization

The legality of the transaction and the progress of the implementation of the military mortgage program are controlled by the state institution FGKU Rosvoenipoteka. The buyer is obliged to provide a package of documents in a timely manner.

Account details. A notarized copy of the account maintenance agreement is accepted.
CJZ Agreement.
Documents issued by the bank and representing a loan agreement.
Application, the form for which is issued upon direct application.
Valuation report for a residential property.
Photocopy of all pages of the passport.

Find out: What federal law regulates military pensions

Military mortgage: how to get it, who is entitled to it, documents

Submit a report to receive a Certificate of Participant in the Savings Mortgage System (NIS) addressed to the unit commander, indicating the reason. It needs to be formulated as applying for a targeted loan for the purchase of housing. After this you will have to wait 2-3 months. During this period, it will be possible to track the progress of documents on the website of the Federal State Institution “Rosvoenipoteka”. The Certificate contains information about the loan amount, monthly deductions and the loan term.
After receiving the Certificate, choose a bank that has facilities that have received accreditation from the Federal State Institution.
Conclude a targeted housing loan agreement with the Ministry of Defense and the bank.
Conclude a loan agreement with the bank, as well as a purchase and sale agreement with the seller.
Register the acquired property rights to the purchased housing.

List of documents for a military mortgage submitted to the Federal State Institution "Rosvoenipoteka"

Military mortgage: list of documents

Purchasing housing using funds from a targeted housing loan for military personnel includes several stages.

Almost each of them requires the preparation, collection and provision of certain documents.

After submitting this service document, you should check whether it is registered in the accounting journal of the Ministry of Defense of the Russian Federation. The time of registration determines how soon the state will begin to transfer security funds.

A personal NIS participant card is created for the military personnel, which will indicate his registration number, personal information and reasons for inclusion in the program.

After a notice of entry into the register has been drawn up, a savings account is opened in the name of the military man.

Documents for obtaining a military mortgage: a complete list of required papers

It is possible to obtain housing using funds from a targeted housing loan for military personnel in several stages. At each level, specific preparation, collection and provision of certain papers are required. What is this type of loan, who is it intended for, and what documents are needed to obtain a military mortgage? We will answer these questions in our article.

Which banks issue loans?

Most large banks in the country issue military mortgages. It is necessary to choose among them the institution with the most loyal conditions. In general, each bank requires that the borrower have time to repay the loan before 45 years. In addition, applications are considered only from NIS participants who have been using the program for at least 3 years. Otherwise, the down payment will not have time to accumulate. Its size starts from 10% of the cost of housing.

The most popular loans are provided by VTB24, Rossiya, Zenit, Otkritie, and Sberbank - military mortgage banks. Many of them have a military mortgage calculator attached to their website, which will help you understand the loan terms in advance.