The mortgage borrower assistance program organized by the Agency for Housing Mortgage Lending (AHML) in 2017, according to the latest news, has been extended and has undergone some changes. Let's look at its main conditions, as well as to whom and how it can help.
The Agency for Housing Mortgage Lending is a state-owned company, the main purpose of which is to provide citizens of the Russian Federation with comfortable and affordable housing. Among the services provided, in addition to the assistance program for borrowers, are mortgage lending for the primary and secondary housing markets, preferential mortgages in Moscow and the regions, services for holding land auctions and leasing real estate.
Program mortgage assistance is designed to provide financial support to certain categories of borrowers experiencing difficulties in repaying their mortgages. According to the latest news, in 2017, by decision of the government, AHML continued its activities in this area, and additional funds in the amount of 2 billion rubles were allocated for these needs in August.
Specifically provided by the terms of the program:
A foreign currency borrower is given a choice: writing off 30% of the debt or converting it into Russian rubles at a lower exchange rate. The Bank is not entitled to charge upon the introduction of the AHML mortgage program from individual any commissions related to changes in the terms of the mortgage, as well as to reduce the term of the loan agreement.
Participation in the assistance program is available to the following categories of borrowers:
Also presented a number of borrower's housing, which are the subject of mortgage. So area 1 room apartment should not exceed 45 m², 2-room is limited to 65 m², and if the mortgage property has 3 or more living rooms, then the area limit will be 85 m². In addition, the mortgaged apartment must be the only housing owned by the borrower. But AHML, under the terms of the assistance program, allows the presence of a part not exceeding 50% for 1 any other property that is in collective ownership.
Requirements to financial condition individual are:
The final conditions for participation in the Mortgage Borrower Assistance Program are contract requirements. The deal must be concluded at least 12 months before applying to AHML. The exceptions are contracts, for which the statute of limitations is not regulated.
To participate in the program, you must contact the bank that issued the mortgage directly (or which owns it today). You must submit the entire list of documents listed below. The application for assistance is reviewed by the financial institution and the results will be communicated to the borrower. V special occasions a special interdepartmental commission may be created.
Scroll required documents includes:
According to the latest news, the bank does not need to prove the uniqueness of mortgage housing. AHML independently provides this information. More detailed information can be found on the official website of the Agency.
If you are eligible for assistance from AHML, be sure to use it. The program has already helped more than 1,000 families in the event of difficulties with repayment of a mortgage loan, making life easier for the borrower and his relatives.
I give my consent to Bank Site JSC, address 125009, Moscow, st. Vozdvizhenka, d. 10 (hereinafter referred to as the Agent), as well as partner banks and other counterparties of the Agent (hereinafter referred to as Partners 1) for the processing of all my personal data specified in the application by any means, including by third parties, including reproduction , electronic copying, depersonalization, blocking, destruction, as well as the above processing of my other personal data obtained as a result of their processing, in order to:
The specified consent is given for a period of 15 years, and in the event of its withdrawal, the processing of my personal data must be terminated by the Agent, Partners and / or third parties and the data destroyed subject to the termination of the agreements concluded with the Agent, Partners or third parties civil law contracts and full repayment of debts under such agreements.
1 PJSC Special Design Bureau of Primorye "Primsotsbank" 690106, Primorsky Territory, Vladivostok, Partizansky Ave, 44; JSC "AROIZHK" 163000, Arkhangelsk, st. Popova, d. 17; JSC "SAIZHK" 620075, Sverdlovsk region, Ekaterinburg, st. Belinsky, 35; JSCB "AltaiBusiness-Bank" (OJSC) 656049, Russia, Altai Territory, Barnaul, Lenina avenue, 43; JSC "RELIABLE HOUSE" 125284, Moscow, Leningrad Avenue, d. 31 A, p. 1; JSC "RELIABLE HOUSE" 125284, Moscow, Leningradsky prospect, 31 A, building 1; HMLF (Veliky Novgorod) Novgorod region, Veliky Novgorod, st. Bolshaya St. Petersburg, d. 6; JSC "AHML RSO-Alania" 362027, Republic of North Ossetia-Alania, Vladikavkaz, st. Markus, d. 51; VGIF, 600001, Vladimir Region, Vladimir, Lenin Ave., 21A; JSC "VAIZhK" 400001, Volgograd, st. Kanunnikova, 23; JSC "AHML VO" 160009, Vologda, st. Chelyuskintsev, 47; JSC "AZHIK Voronezh region "394036, Voronezh, st. 20th anniversary of the VLKSM, 54A; JSCB "Izhkombank" (PJSC) 426076, Udmurt Republic, Izhevsk, Lenina st., 30; JSC "KOIA" 305000, Kursk region , Kursk, Gorkogo st., 50 JSC "AHML RT" 420111, Republic of Tatarstan, Kazan, st. , Zelenaya str., 89; JSC "KOSHELEV-BANK" 443100, Samara region, Samara, Mayakovskogo str., 14; JSC "AHML CO" 650066, Kemerovo region, Kemerovo, Oktyabrsky pr. 51; JSC KB "Khlynov" 610002, Kirov region, Kirov, Uritskogo street, 40; "KIZhK" 640007, Kurgan region, Kurgan, Burova-Petrova st., 112; OOO "Uralregionipoteka" 455044, Chelyabinsk region, Magnitogorsk, Karl Marx Ave., 77, building 3; JSC "Dagipoteka" 367027, Republic of Dagestan, Makhachkala, Engels str., 47; JSC "RO IZhK Yaroslavl region" 150000, Yaroslavl, Saltykov-Shchedrin str., 12; JSC "I flow corporation of the Chuvash Republic" 428,000, Chuvash Republic, Cheboksary, Moskovsky avenue, 3; SE NO "NIKA" 603089, Nizhny Novgorod, st. Poltavskaya, 26; JSC "NOAIK" 630102, Novosibirsk, st. Zyryanovskaya, 53; State Unitary Enterprise of the Republic of Kazakhstan "State Property Fund of the Republic of Kazakhstan" 185035, Republic of Karelia, Petrozavodsk, st. Gogol, d. 12; JSC "Avtogradbank" 423831, Republic of Tatarstan, Naberezhnye Chelny, Khasan Tufan Ave., 43; JSC "Yamal Mortgage Company" 629008, Yamal-Nenets Autonomous Okrug, Salekhard, st. Republic, d. 78; JSC "MIK" 430000, Republic of Mordovia, Saransk, st. Communist, d. 89; Joint Stock Company "Mortgage Corporation of the Saratov Region" 410003, Saratov, st. them. Kutyakova I.S., house 6; JSC CB "ForBank" 107140, Moscow, st. Lower Krasnoselskaya, d. 5, building 5; JSC "KOMIipoteka" 167000, Republic of Komi, Syktyvkar, st. International, d. 133; JSC "AHML of the Tambov region" 392000, Tambov, st. Sovetskaya, 191 "V", OJSC "UGAIK" 450098, Ufa, Prospekt Oktyabrya, 132/3, 6th floor, office. 605; OAO Mortgage Corporation of the Chuvash Republic 428,000, Chuvash Republic, Cheboksary, Moskovsky Avenue, 3; JSC AHML in the Tyumen Region, Tyumen, Ordzhonikidze St., 63; JSC Mortgage Corporation of the Republic of Buryatia 670000, Republic of Buryatia, Ulan-Ude, Profsoyuznaya St., 35; JSC Mortgage Investment Agency Stavropol Territory "355035, Stavropol Territory, Stavropol, Lenina St., 217a; Info-content LLC 620075 Yekaterinburg, Rosy Luxembourg st., 19.
When at the end of May the Agency for Housing Mortgage Lending (AHML) announced that the action of state support for mortgage borrowers who had problems with debt repayment was over, those who did not have time to fit into the program became worried. 19,000 families were able to receive help then, but there are still enough mortgage debtors in Russia.
Financial Ombudsman Pavel Medvedev: "The fact that the program has been resumed is very good." Photo: Mikhail Sinitsyn / RG
With the help of the program, which started working on August 22, at least 1.3 thousand more mortgage borrowers will be able to restructure their debts. The state has allocated 2 billion rubles for these purposes, Alexei Nidens, managing director of the Agency for Housing Mortgage Lending (AHML), said at a press conference at the Rossiyskaya Gazeta media center.
Last time, by the way, 4.5 billion rubles were spent to support mortgage borrowers - that is, twice as much as is planned now. And this is not the only difference of the new program. The previous one lasted two years, now the period is not specified - everything will end with the exhaustion of funds. In addition, the state has adjusted the conditions for citizens to receive mortgage assistance.
Families with minor children and children under 24 who study full-time at universities can become participants in the program. Also, the state can help the disabled, parents of disabled children and war veterans - all those who belong to social categories and whose assistance from the budget is really justified.
In addition, all applicants for state support must meet a number of other criteria. In particular, the mortgage apartment should be the only housing. And its size still matters. So, the area of \u200b\u200bone-room apartment should not exceed 45 square meters. That is, the state will not help restructure the mortgage received for an elite cottage. However, it is allowed to have an aggregate share of the borrower's family members in the ownership of another dwelling (but only one!). To confirm the rights to other housing, the borrower does not need to provide information from the Unified State Register of Real Estate. AHML will do all this for him.
In addition, assistance can be provided only if at least a year has passed from the date of obtaining a mortgage loan to the date of filing an application for restructuring, and monthly payment on a loan increased by at least 30 percent of the amount that a person gave to the bank at the conclusion of the contract. By the way, it was precisely because of the last point that the discussion flared up: they say, state support has shifted towards foreign currency mortgages. After all, for "ruble" mortgages, the size of the payment does not jump so much, which means that such borrowers may not wait for help on problem debts.
Aleksey Nidens stressed that mortgage lenders who have taken a loan both in foreign currency and in rubles can apply for participation in the program. And if the amount of the monthly payment on a foreign currency loan may increase due to exchange rate fluctuations, then in the case of a ruble mortgage, we are talking about loans with a floating rate or when mortgage insurance is waived. In all other situations, the decision to provide assistance will be made by a special interdepartmental commission. It can positively resolve the issue of supporting citizens who do not even formally meet the conditions of the program, but are in dire need of assistance. It is expected that the commission will start working in September.
The final decision to provide support is still made by the creditor bank. Because, as Niedens noted, the bank knows its borrower better, financial position at the time of signing the contract, can assess the payment discipline.
Now AHML has signed agreements with hundreds of banks. However, financial ombudsman Pavel Medvedev draws attention to some of the rough edges of the program. Under the new rules, the bank must agree to a rate of 11.5 percent (if the loan is issued in foreign currency). If the bank requires, say, 12.5 percent, the person will not receive support. In AHML, they answer that then the restructuring can be carried out on the terms own program jar.
The size of the apartment will also be taken into account when helping mortgage borrowers who are having debt problems. Photo: depositphotos.com
New rules for the state program to help mortgage borrowers in difficult financial situations came into force in Russia on Tuesday, August 22.
The assistance program for mortgage borrowers was launched in April 2015: banks restructured problem mortgages at a rate of no more than 12% per annum, and the state compensated part of the monthly loan payment.
The program expired on May 31, 2017, while the 4.5 billion rubles allocated for it were already spent as of March.
At the end of July, Russian Prime Minister Dmitry Medvedev signed a decree on the allocation of another 2 billion rubles from the government's reserve fund to the program as a contribution to the authorized capital of the Agency for Housing Mortgage Lending (AHML), and on August 11, a decree specifying the conditions for implementing the program. According to the government, the allocated funds will allow restructuring at least 1.3 thousand mortgage loans.
The main innovation of the updated state assistance program is that only holders of foreign currency loans can use the program. The government and banks explain this very simply: the first wave of the program was aimed at supporting holders of ruble loans, now it's the turn of foreign currency loans.
AHML again acts as the operator of the program to help borrowers this year.
New program state aid financed from the Reserve Fund Russian government in the amount of 2 billion rubles. It should be noted that its extension will allow restructuring at least 1.3 thousand mortgage loans. The program operator is traditionally the Agency for Housing Mortgage Lending (AHML).
In March 2017, the Minister of Finance of the Russian Federation Anton Siluanov, following a meeting with foreign-currency mortgage lenders, proposed setting up the system of state assistance to mortgage borrowers in such a way as to shift the focus to foreign-currency mortgage lenders.
At meetings with the Ministry of Finance and AHML, activists of the currency mortgage movement insisted on a "product approach", when the key criterion for joining the program is the very fact that a citizen has obligations under a targeted housing mortgage loan(loan), calculated in foreign currency and accepted in the period up to the end of 2014.
AHML, assistance program for mortgage borrowers 2017, last news: a new program to help mortgage borrowers began to operate on August 22
The restriction in this case will be a one-time participation in the program and the application of its provisions to the only obligation of a citizen.
As a result, in accordance with a government decree, it was decided that, within the framework of the updated program, banks would restructure problematic foreign currency mortgages at a ruble rate for a client no higher than 11.5% or ruble problematic mortgages at a rate not higher than the rate in effect on the date of the loan restructuring.
Borrowers who have passed at least 12 months from the date of obtaining a mortgage loan to the date of filing an application for restructuring, and whose monthly loan payment has increased by at least 30%, will be able to take part in the program.
The mortgaged housing must be the only housing of the mortgagor's family. At the same time, the total share of his family members in the ownership of no more than one other residential premises is allowed in the amount of no more than 50% from April 30, 2015.
On the last day of the passing working week came quite important news for many mortgage lenders who found themselves in a difficult financial situation, news about the restructuring of their mortgage debts. from the Government allow more than a thousand such families to hope for some improvement in their situation. Let's deal with what Prime Minister Medvedev promised mortgage holders.
So, the news of today - the Government of Russia will transfer from its reserves 2 billion rubles in favor of the (Home Mortgage Lending Agency), which is the state operator of the mortgage assistance program. This money will be spent on mortgage restructuring for those borrowers who find themselves in a difficult financial situation. According to the calculations of the Russian Ministry of Construction, this money will be enough for at least 1,300 families.
The same Ministry of Construction will create a special commission that will consider incoming applications for restructuring and will have the authority, for example, to increase the amount of compensation to borrowers in some cases.
The program of assistance to mortgage borrowers from the state was launched in the spring of 2015, against the backdrop of the financial crisis, which became especially acute at the end of 2014. Then, after the sharp collapse of the ruble, foreign-currency mortgages suffered the most, whose monthly payments in ruble terms suddenly doubled. But it was not easy for the ruble mortgage holders, who, like everyone else, experienced a drop in living standards, and sometimes a significant loss in income.
The current situation was abnormal, and especially problematic cases needed to be urgently resolved somehow. The mass bankruptcy of mortgage lenders was unprofitable for anyone, including banks. In the end, the bank can take away the apartment and drive people out into the street, but what's next? Firstly, it is one thing when such cases are isolated, and another when thousands of them arise throughout the country, which will cause an unstable social situation and unrest. Secondly, the selected apartments still need to be sold somehow, otherwise they will hang on the banks like a dead weight, and the bank will also be obliged to make various payments for them as the owner.
As a result, the mortgage restructuring program was launched for the following categories of mortgage holders:
It is not enough to belong to any of these categories, it was necessary to prove with documents in hand that the family's income fell by 30 percent or more after the moment when a loan was taken to buy an apartment. The housing itself also had to meet certain requirements.
Those who fell under these conditions were entitled to compensation from the state up to 20 per cent the cost of the apartment (but this amount could not be higher than 650 thousand rubles).
A rather ugly story happened to the mortgage assistance program in the spring of 2017. 4.5 billion rubles were allocated for the program, and in February, due to low interest in it, the AHML budget had enough most of this amount, the program was supposed to end by March 1. The state decided to make the conditions even more interesting in order to distribute this money to the end.
The program was eventually extended until May 31, and it was already possible to compensate 30 percent the cost of the apartment (but not more than 1.5 million rubles). At that moment, the unexpected happened.
Mortgage providers, who had been hesitant to take advantage of the restructuring for a long time, rushed to apply en masse, as a result, the program was curtailed already in the first days of March (recall that it was extended until the beginning of summer), and many mortgage lenders found themselves in a very unpleasant situation.
The fact is that in order to use the program, people had to collect certain documents. And since the state informed everyone that the restructuring was valid until May, not everyone rushed to use the new conditions of the program on the very first day, and as a result, by the time the money ran out, a very large number of families remained at the stage of processing expensive documents. Many thousands of rubles were given away for nothing.
Obviously, 2 billion rubles is not such a large amount, and the money can fly away as quickly as it happened in the spring. Therefore, we advise mortgage lenders who are eligible for restructuring not to hesitate, but to start filling out an application. Those who filed documents in the spring should check the validity of all certificates, and if some of the documents already exist, and these papers are valid, use their advantage over those who need to collect a package of documents from scratch.
Judging by the experience of March 2017, it is not worth delaying in order to take advantage of the mortgage restructuring with the help of the state.
