Housing provision for military personnel of the Armed Forces of the Russian Federation. Savings-mortgage housing system for military personnel. Housing for military personnel: military mortgage. What is a military mortgage? Mortgage for military personnel for a new building

In our country, a mortgage loan to improve housing conditions can be obtained with special benefits and bonuses. For example, special conditions have been created for the military. It is advisable to know exactly your rights in order to enjoy benefits and objectively assess your capabilities.

Let's consider Federal Law 117 on the savings and mortgage system for military personnel. It describes in detail the rights of the military, the procedure for obtaining a mortgage loan, and covers all the subtleties. Let's dwell on the key points.

General provisions of the law on the savings and mortgage system for military personnel

We will review the current version of the law, with changes until 2019.

The first chapter of the federal law is traditionally devoted to general provisions. It is immediately noted here that this document was created to regulate relations that are associated with the nuances of the use, investment and formation of funds intended to provide military housing. All laws according to which military personnel are provided with housing are briefly covered.

The emphasis is on the fact that all domestic legislation is primarily based on the norms of international law and the Constitution. In addition, the regulations of the Central Bank of the Russian Federation also play an important role. It is the savings-mortgage housing system for military personnel that makes it possible to solve the military’s housing problems using budget funds. It is extremely important that everything is as transparent as possible. All details are specified in the law.

Of particular interest is the third article of the first chapter, where all the basic concepts appearing in the law are revealed. This information will be useful to anyone who is faced with the need for mortgage lending while being a military member.

1. The savings-mortgage system for providing military housing is the entire set of organizational, economic and legal relations that are aimed at realizing the military’s rights to housing.
2. Participants in this system are all military personnel included in a certain register.
3. The register of participants is a list that includes all participants in the savings-mortgage system. The register is formed by the relevant federal body.
4. The operation of the entire system is ensured by a specially appointed federal body.
5. Savings contributions are money allocated from the budget. They are accounted for in a special savings account.
6. Savings for housing include funds from management companies transferred to them in trust, as well as savings contributions.
7. Each participant in the system has his own personal account with savings. It contains all the information about savings, contributions, investment profits, debts and collateral.
8. There is also a targeted housing loan. It includes money provided to the participant on a reimbursable or gratuitous basis.
9. There is also an index investment fund, from which money goes to investing in securities.
10. All savings contributions of a participant during the period of military service constitute the estimated total contribution.
11. Income is received from investing. They include interest on bank deposits, securities, and dividends.
12. The investment portfolio combines all securities and funds that are transferred to trust management on the basis of an agreement.
13. There is also a so-called investment mandate, which lists all types of assets.
14. The total investment portfolio combines all assets that are under trust management.

All these terms will be useful when concluding contracts and signing papers related to the savings-mortgage system for providing military housing. Each serviceman who logs into the system receives a personal registration number as a participant in the savings-mortgage system, and the funds are transferred to his personal account.

Implementation of the savings and mortgage system

The second chapter of the Federal Law is devoted directly to the implementation of the savings-mortgage system, thanks to which military personnel have the opportunity to improve their living conditions. We will focus only on the key points in order to imagine the order of implementation of the system.

The law determines how the implementation of the right to housing by a participant in the system is carried out. For this First, savings are formed, then a targeted housing loan is provided. Then the payment is made using federal budget funds. The funds must supplement the participant's savings account in the same way that the participant himself could accumulate money if his military service had already completed twenty years.

This payment is made only if the participant has not previously purchased residential premises using targeted housing loans. Therefore, this target program can only be used once.

Payments are made within three months from the date of submission of the application from the participant. The application must be submitted in writing. It can be submitted not only by the serviceman himself, but also by members of his family. When a person is included in the register, he receives a certificate of right to participate in the savings-mortgage system.

How savings are formed

The next chapter discusses in detail the mechanism of savings formation. The main sources of savings are income from investment, contributions from the federal budget and other revenues that are not prohibited by the legislation of the country.

All savings are strictly taken into account. A maximally transparent system has been created, during the operation of which it is impossible to misuse funds received from the budget. All this is done primarily in the interests of system participants - military personnel who want to improve their living conditions. Housing problems are being solved with the help of budget funds.

The functions of the federal bodies in which military service takes place are examined in detail. These bodies do the following:

• maintain a register of participants, form it, send all the necessary information to the authorized federal body, in accordance with which savings accounts are maintained;
• be sure to inform if a participant transfers to another federal body;
• receive all information about participants;
• compare data;
• provide information on the number of participants;
• provide information to the system participants themselves if they are included in the register or excluded from it;
• decide whether to pay out funds;
• explain to participants how the savings-mortgage system works;
• perform other functions.

Functions of the authorized body

When this system is in effect, federal management of all processes is mandatory, since funds from the budget are used. It is also important to know the functions of the authorized federal body, which include:

• accounting of all savings;
• registration of receipt of funds by system participants;
• holding competitions to select a specialized depository with the subsequent conclusion of an appropriate agreement;
• holding competitions for the selection of management organizations;
• preservation of savings of all system participants;
• issuance of targeted loans with preliminary registration to participants after receiving relevant applications from them;
• receiving funds from management organizations;
• informing about all processes of formation, investment, and use of savings;
• providing reports on the formation and use of savings to the Government of the Russian Federation annually;
• informing all system participants about the situation on the housing market;
• carrying out explanatory work with the population;
• implementation of other functions provided for by law.

It is noteworthy that a public body is provided to control the operation of the savings and mortgage system for military personnel. A separate article of the law deals with the work of the Council. Representatives of federal executive bodies, public organizations, and securities market participants may be members of the Public Council. At the same time, those persons who make decisions on investing savings do not have the right to join the Council.

All members of the Council work for free. The Council has the right to send requests for investment, ask for various reports, contacting the Central Bank of the Russian Federation and the authorized federal body for this purpose.

Participation in the savings and mortgage system for the military

The law discusses in detail who specifically can become a participant in the savings-mortgage system. This information will definitely be useful to everyone who decides to take part in this federal program. We list all categories of military that can enter this system.

1. Everyone who graduated from military educational organizations, after which they received the rank of officer no earlier than January 1, 2005. If they entered into contracts for service before the specified period, they can also enter the system by writing an application.
2. Sailors, soldiers, foremen and sergeants who entered into a second contract no earlier than January 1, 2005, and who expressed a desire to enter the savings-mortgage system.
3. Midshipmen, warrant officers with a total duration of service under a contract of 3 years from January 1, 2005. If the contracts were concluded earlier, you can also join the system when the military man expresses such a desire.
4. If a person graduated from a military educational institution in the period from January 1, 2005 to January 1, 20078, and received an officer rank during training, he can also enter the system by expressing such a desire.
5. Officers, both those who voluntarily entered service and those called up from the reserve, who entered into the first contract before January 1, 2005.
6. Military personnel who received military rank after completing training courses for junior officers in the period from January 1, 2005, who served less than three years under a contract. If they received their first officer rank before January 1, 2008, they must confirm their desire to become participants in the system.
7. If a person entered the service under a contract, and it provided for an officer rank according to the state, which he received on January 1, 2005, he also becomes a participant in the system. When the specified person received the rank of officer before January 1, 2008, his desire to enter the system must be confirmed.
8. Persons who became officers after being appointed to a military position for which the rank of officer was provided for by the state, and who served under a contract for less than three years, can also, if they wish, become participants in the savings-mortgage system.

Formation of a register of system participants: inclusion and exclusion

It is important to know on what basis they can include participants in the register, which becomes the reason for exclusion from it.

Receiving the first military rank of an officer becomes the reason for inclusion in the register for the following categories:

• Military personnel who entered service under a contract, where an officer rank was provided in the state. The period is considered to be from January 1, 2008.
• Persons who graduated from military educational organizations, both higher and professional, and in the period after January 1, 2005, entered into the first contract for military service.
• Military personnel who have completed junior officer training courses and subsequently received the rank of officer. The period is considered from January 1, 2008.

The following categories of military personnel need to submit a written application with a request to be included in the register of participants:

• Midshipmen, warrant officers who have served under a contract for three years since January 1, 2005, if the first contract was concluded before the designated period.
• If a person became an officer in the process of training, and received military education in the period from January 1, 2005 to January 1, 2008.
• Persons who received military education between January 1, 2005 and before the onset of this period entered into a contract for military service.
• Petty officers and sailors, sergeants and soldiers.
• Military personnel who received ranks after appointment to a position where the officer rank is provided for by the state. The period from January 1, 2005 to January 1, 2008 is considered.
• Persons who received the rank while serving under a contract and entering a position where the officer rank provides for staff. The period from January 1, 2005 to January 1, 2008 is considered.
• If the military during the same period, from 2005 to 2008, became officers after completing junior officer training courses.

There are other reasons why military personnel are included in the register of participants in the savings-mortgage system.

Some military personnel voluntarily leave the reserves and enter service. If they were not excluded from the register and did not receive payments, they only need to enter into a new service contract to once again receive all the rights of a participant in the system.

If military personnel returned to service from the reserve voluntarily, but before that they received payment and were excluded from the register, the basis for re-inclusion may be a total duration of service of more than 20 years.

If midshipmen and warrant officers entered into their first military contract after January 1, 2005, but managed to serve for more than three years, they also have the right to become participants in the system.

For officers who entered the service voluntarily or called up for service, it is enough to conclude the first contract for military service.

Exclusion from the registry

Those who retire from military service are excluded from the register of system participants. Of course, all persons whom the state has already provided with living quarters cease to be participants.

It is important to note that housing from a specialized housing stock is an exception.

Also, persons who are declared dead or missing are excluded from the register.

Using savings in the account

Funds from the personal savings account of a system participant can be used in some cases. The entire amount remains available under certain conditions. This possibility arises if the total period of military service of the person was twenty or more years.

If a military man retires after ten years for health reasons, due to reaching the age limit for service, for health reasons or due to organizational and staffing measures, he also has the right to use savings. In addition, funds are used when a military man is dismissed for health reasons, declared dead or missing.

It is worth noting that the conclusion of contracts and the preparation of all necessary documents to improve housing conditions are the responsibilities of the authorized federal body. The law itself is quite extensive, but we have covered all the key points. If necessary, you can familiarize yourself with the text itself and the comments to it.

Video: Formation of savings in the personal accounts of NIS participants, grounds and procedure for receiving them, features of use

More and more military personnel are becoming participants in the Savings and Mortgage System, which, according to the plans of the Russian Ministry of Defense, in a few years will completely replace other housing options. the site figured out what risks and pitfalls may await military personnel when purchasing real estate under the military mortgage program.

Affordable mortgage housing - on paper

It is no secret that military personnel in most cases purchase economy-class housing through the military mortgage program. But few people asked the question “why”? Let's figure out what amount a participant in the savings-mortgage system (NMS) can count on when choosing housing and what it depends on.

The actual amount available for the purchase of housing on a military mortgage consists of several points: the savings portion, which is annually credited to the account of the participant in the savings-mortgage system; military mortgage provided by the bank; the soldier's own money.

To use the funds accumulated in the account, you must issue a certificate of entitlement to receive a targeted housing loan. This can be done already three years after the serviceman is included in the NIS program. However, quite a few savings will accumulate in the military’s mortgage account during this period. For example, the amount of the savings contribution in 2016, as well as last year, is 245.88 thousand rubles.

The maximum loan amount provided by the bank under the program is 2.3 million rubles. Although in most cases, according to the agency’s interlocutors, the bank approves a smaller amount.

The total money received will be enough to purchase a one-room economy-class apartment in a new building in St. Petersburg or in the vicinity of Moscow. To purchase a more interesting apartment, you will have to wait and try to save more yourself.

True, the situation was somewhat eased by the Federal Law on the Savings Mortgage System, which came into force in May 2016. Now military personnel can purchase housing not only using funds in their own account, but also combine them with the savings of their spouse, if he is also a military personnel and a participant in the NIS.

Take what they give

The range of apartments available for purchase under the military mortgage program is also very limited. To obtain accreditation, the facility must meet certain requirements of banks and the Federal State Institution "Rosvoenipoteka". This applies to both apartments in new buildings and housing purchased on the secondary market.

To obtain accreditation, the readiness of primary market objects must be above 70%, and the sale of residential premises must follow the DDU. With housing on the secondary market, everything is no less complicated: the house should not be in disrepair and have wooden floors, and there should be no uncoordinated redevelopment in the apartment itself.

By the way, all Russian construction projects available for purchase with a military mortgage are listed on the website.

Certificate validity period is limited

Another nuance that is worth paying attention to is the validity period of the NIS certificate. It is only 6 months from the date of signing.

After the expiration date, the document will have to be issued again, which may take several more months. To obtain a certificate of entitlement to receive a targeted housing loan (CHL), a military member participating in the NIS must submit a report addressed to the commander of the military unit. After this, the military man’s data will be transferred to the RUZHO, from there to the Housing Department of the Ministry of Defense, and only after that to the Federal State Institution “Rosvoenipoteka”, where the certificate itself is issued.

If changes are made to the document, the process may be delayed even more. So one of the site’s interlocutors, due to a change in personal data and the need to amend the document, waited for a new certificate for about six months.

Have you chosen housing on the secondary market? Get ready to pay

When purchasing housing on the secondary market, a serviceman faces many additional expenses. First, you will have to pay for the services of a realtor. Selecting real estate on your own is difficult and dangerous - you need a lot of free time, and every day scammers are coming up with more and more schemes to deceive ignorant citizens. Secondly, you will have to pay for various related services: real estate valuation and paperwork (for example, purchase and sale agreements and targeted housing loans).

“About 112 thousand were spent purely on registration, that is, only on documents...

Rosvoenipoteka explained to the agency that all of the above contracts can be filled out absolutely free of charge yourself. “The CZL agreement is completed independently. It is downloaded from the Rosvoenipoteka website and you do not need to pay any money for it,” the structure emphasized.

Payment of the insurance premium is the responsibility of a citizen of the Russian Federation

Regardless of the cost of paperwork, the NIS participant will have to pay the insurance premium out of his own pocket. And this, no more or less, is an average of 5,000 rubles per year.

Rosvoenipoteka explained that insurance payments are the responsibility of a citizen and are in no way related to NIS. "This is a requirement of the law on mortgages. Any citizen of the Russian Federation, when registering a residential premises under a mortgage lending agreement, is obliged to insure the property and enter into a property insurance agreement for the living space. Even if you take out a regular mortgage loan, you are required to enter into a property insurance agreement, since you are the user of the collateral, which may be lost. Therefore, the serviceman himself pays here; this has nothing to do with NIS,” explained the representative of the department.

The amount of savings does not depend on the size of the family

Another feature of the program is that the amount of savings under the NIS does not depend on the number of family members of the serviceman. For a large family with 2 - 3 children this can be a problem. In order not to have four people sharing a one-room apartment, you will have to pay extra out of your own pocket, if, of course, you can find something.

Registration of documents at the bank may take more than one month

Despite the fact that the program has been developed and is widely implemented throughout the Russian Federation, paperwork at the bank can take several months. This is exactly the information that was reported by the site’s interlocutors, who have already purchased or are in the process of registering housing under the military mortgage program.

The total duration of approval and execution of all necessary documents at the bank can reach 2 - 4 months.

Indexation of annual accruals to NIS participants

Let's return to the annual charges to the NIS participant's account, which go towards repaying the mortgage. According to the military, the bank initially plans to increase annual payments. But no one knows for sure whether the indexation of the annual accrual to the NIS participant’s account will correspond to an increase in the amount of payments, and, therefore, it is quite possible that the military will have to repay the difference at his own expense. The fact that in 2016 the savings contribution was not indexed, although in 2008-2015 the amount was indexed annually, also raises doubts.

Rosvoenipoteka emphasized that such a situation cannot arise. Payments are made in accordance with the schedule approved when applying for the loan. “The amount paid by the state is approved annually by the Federal Budget Law. The state pays 1/12 of this amount monthly. The bank calculates the payment based on the amount established in the budget,” the interlocutor clarified.

It's easy to lose your apartment

Perhaps the most important risk when buying housing under the military mortgage program is the fact that a military man can easily lose his apartment upon early dismissal from service, even if the dismissal occurred for reasons beyond his control (for example, due to the disbandment of a unit).

Upon dismissal with less than 10 years of service, the NIS participant must return all CZHZ funds previously allocated to him for the purchase of housing from his own pocket, and repay the remaining loan himself. The presence of preferential grounds will not play any role in this case. Moreover, the money must be returned no later than 10 years from the date of dismissal, taking into account interest equal to the refinancing rate.

Otherwise, both the bank and Rosvoenipoteka will demand money in court, and if the military man is unable to repay the debt, they will take away the housing that is double-collateralized. If a serviceman contributed his own funds when purchasing an apartment, no one will return them if the contract is terminated early.

If the serviceman’s service is more than 10 but less than 20 years, then the used savings funds remain with the serviceman, however, the NIS participant pays the rest of the loan independently.

If a military man with more than 10 years of service is dismissed on preferential terms, then he has no financial obligations to the bank - the state will pay off the mortgage. “Good” grounds for dismissal may include reduction in military unit, health problems, or reaching the age limit of 45 years.

Upon dismissal with more than 20 years of service, CZHZ funds are not refundable. True, there is one nuance here, which one of the agency’s interlocutors drew attention to: if at the time of registration of a military mortgage the serviceman had only 10 years left before retirement (until he reaches 20 years of service), and the mortgage is designed for 12 years, then payments from budget fully covered the mortgage, the military man will need to serve two more years beyond his term.

If a military man with 20 years of service has not used NIS funds, he receives the right to use personal savings at his own discretion.

Additional documents from the spouse

In the case of adding their own funds, the spouse of a military member participating in the NIS may be required to provide additional documents, namely a notarized statement stating that the money additionally paid by the military family is not jointly acquired property.

This is due to the fact that during a divorce, an ex-military spouse often manages to achieve the division of an apartment purchased with a military mortgage. Although the official website of Rosvoenipoteka specifically emphasizes that the common property of spouses does not include payments for a special purpose or housing purchased with these payments, the court often issues similar claims.

Thus, if an NIS participant fails to comply with the terms of the program, his spouse will not be able to claim the collateral property, that is, the purchased apartment.

Welcome! Today we will talk in more detail about the savings-mortgage housing system for military personnel, how savings mortgages help military personnel realize their right to housing from the state.

The savings and mortgage system for military personnel was created with one main goal - to help military personnel and their families acquire comfortable housing with the help of mortgages on preferential terms. Let us examine in more detail the features of the implementation of the state program with the participation of NIS.

On behalf of the President of the Russian Federation, in order to realize the rights to own housing with the help of a mortgage for military personnel, in 2005 a savings-mortgage system (NIS) was developed and began its work. For this purpose, the Federal State Institution “Rosvoenipoteka” was created, the main functions of which are:

• posting on the official website all necessary information for the population;
• preparation of documents and certificates;
• maintaining a register of participants;
• accounting of all savings in accounts;
• implementation of measures aimed at obtaining funds for military personnel;
• other functions provided for by law.

All functioning of the savings and mortgage system is regulated by the following regulations:

1. Federal Law No. 117 “On the NIS of housing provision for military personnel” dated August 20, 2004.
2. Civil Code of the Russian Federation.
3. Housing Code of the Russian Federation.
4. Decree of the Government of Russia No. 655 of November 7, 2005 “On the procedure for functioning of the NIS of housing provision for military personnel.”

The main one, of course, is 117-FZ, which establishes the obligations, rights of the parties involved, features of the targeted expenditure of funds and other restrictions and opportunities.

The essence of the NIS lies in monthly subsidies from the federal budget to the personal accounts of military personnel participating in the system from the very moment of registration/receipt of a confirming certificate. The balance of funds in each account is determined by the total term of participation and the established contribution amount.

You can use the money accumulated in the account only after 3 years from the date of its opening to pay the down payment on the mortgage or pay off part of the current debt under the loan agreement.

Military mortgage allows NIS participants to buy an apartment or a separate house in both the primary and secondary real estate markets. The acquisition of land for the purpose of further construction under this program is not permitted.

How to register with NIS

In order to become a participant in the NIS, a serviceman must comply with the categories of military personnel entitled to receive a military mortgage established by 117-FZ. These categories include:

• military personnel with the rank of officer who entered into their first contract for service in the RF Armed Forces after 2005;
• warrant officers, midshipmen and petty officers with a contract duration of more than 3 years;
• soldiers, sailors, sergeants with a repeat contract concluded after the start of the state program.

The registration procedure itself in NIS is carried out in two ways:

• automatically (the register and lists of military participants are formed in educational institutions and upon concluding a contract for service without the participation of the military man himself);
• using an application (military personnel who do not fall under the requirements of federal legislation can, on their own initiative, submit a report addressed to their immediate superiors with a request to become a member of the NIS and subsequently receive a preferential mortgage).

If the outcome of the case is positive, the applicant will be included in the register and will receive a supporting certificate. After this, Rosvoenipoteka will assign the military man a unique identification number (registration number of a participant in the savings-mortgage system) and open a personal savings account, to which government funds will then be credited.

How the personal account of a member of the NIS institution of the Federal State Institution Rosvoenipoteka works is discussed in detail in the next post.

Participation in NIS and use of savings

The legislation annually establishes the amount of the NIS contribution, which will be transferred to the military personnel to his personal account. The transfer is carried out by dividing this amount into equal 12 parts - that is, for each calendar month. In 2017, the contribution of the savings-mortgage system is 260 thousand rubles. This amount is subject to annual indexation and adjustment taking into account inflation, but since 2016 it has remained unchanged. This is due to the unfavorable economic situation in the country.

After three years of participation in the NIS, when there is already a sufficient amount in the account, the serviceman will be able to use these funds to apply for a targeted housing loan under the preferential “Military Mortgage” program. In summary, the process of implementing the NIS program is as follows:

1. Choosing housing

Since 2016, military personnel have been given the right to independently choose the property to be purchased, including the district of the city or town, house, number of floors, layout and area. But naturally, there are a lot of restrictions imposed both by Rosvoenipoteka and banks. Housing must be included in the list of facilities accredited by these structural divisions (you can find out more specifically on the websites or in person) and meet the established requirements. Such requirements include the permissible level of wear and tear of the building (for the secondary market), the presence of necessary communications, compliance with all social and sanitary standards according to the Housing Code of the Russian Federation, etc. It will not be possible to buy dilapidated housing subject to demolition or reconstruction, as well as apartments with illegal redevelopment . No one will give such permission.

1. Studying offers in banks

NIS participants will be able to obtain a mortgage loan only from certain partner banks. Currently, 13 largest Russian banks are implementing such programs, including Sberbank of Russia, Gazprombank, Rosselkhozbank, Svyaz Bank, Zenit Bank and others. The lending conditions in them are quite similar, but there are still some differences. They relate to the interest rate, type of payments, the need for insurance and the requirements for the borrower. Before making a final choice in favor of a specific lender, the client is recommended to study the loan parameters in detail and use a visual mortgage calculator, which will allow you to estimate the final cost of the loan in advance and in case of force majeure (for example, dismissal) be prepared for such a financial burden.

1. Preparation of a package of documents and submission of a loan application

Along with the NIS participant certificate, the military man will have to provide the bank with a minimum set of documents, including a Russian passport, an application form and documents for the purchased property. Some banks may additionally require a marriage certificate, SNILS, consent of the spouse to receive a loan and transfer of housing as collateral. For secondary real estate, it will be necessary to provide a report on a professional assessment of the property (the assessment is carried out at the serviceman’s own expense).

1. Submitting the submitted application to the Credit Committee and making a final decision

Like any other mortgage application, an application for a military mortgage is considered at least 5-7 days, since a thorough check of the provided documents and real estate, in particular, is required. The maximum duration for making a decision does not exceed 14 working days. After this, the final decision will be immediately announced to the client.

1. Conclusion of a purchase and sale agreement

If the bank makes a positive decision in favor of the potential borrower, then the next stage will be the conclusion of a tripartite purchase and sale agreement between the buyer (NIS participant), the seller and Rosvoenipoteka. The contract must stipulate in the clause on the procedure for payment for the purchased housing that the transfer of money will take place using borrowed funds.

1. Conclusion of a mortgage agreement

The mortgage agreement is concluded after agreeing on all details and terms of registration with the bank and Rosvoenipoteka. A payment schedule will be a mandatory annex to the agreement. After signing the contract and schedule, Rosvoenipoteka will transfer the amount of the down payment to the account of the real estate seller. All operations by this body are carried out exclusively in non-cash form, which allows for maximum transparency of all procedures. All terms for receiving money are set out in detail in the mortgage agreement. As soon as the government agency transfers the money to the seller, the remaining amount will be credited by the creditor bank.

1. Fulfillment of loan obligations by the borrower

The current payment schedule details the terms of repayment of the client's debt, broken down by month. The repayment scheme is such that every month money from the budget is received into the military account as part of the annual contribution, which is written off as payment under the concluded mortgage agreement. Since the contribution amount can be adjusted, the schedule will also change accordingly. The new schedule is sent by Rosvoenipoteka to each borrower, or can be obtained directly from the bank.

If the monthly payment from the state budget is enough to service the mortgage debt, then the serviceman does not contribute any of his own funds. If not, then the remaining part is paid by him. The agreement also allows for repayment of the debt ahead of schedule in full or in part.

Pros and cons of the savings-mortgage system

The NIS, as a proven effective measure of state support, has many obvious advantages. Among them:

• the opportunity to obtain housing almost immediately after entering the service, without waiting for long years of service and retirement;
• permission to participate in the program even if the military man and his family have their own housing;
• equality of annual contributions for all ranks and ranks of military personnel, without any discrimination;
• the ability to independently select the property to be purchased (district, area, layout, number of floors, etc.);
• preferential lending conditions (lower interest rates) and loyal attitude towards borrowers;
• possibility of early repayment of debt.

But there are also disadvantages:

• limitation of the maximum amount (up to 2.8 million rubles);
• the need to contribute your own funds to pay additional expenses (for an assessment report, purchase of an insurance policy);
• bureaucracy and lengthy processing times by government agencies;
• exclusion from the register and requirement to return all savings in case of dismissal.

In general, participation in the savings-mortgage system is an effective financial form of assistance to military personnel with families who do not have their own housing. This is a good alternative to the previously used program to provide this category of citizens with ready-made housing, which did not differ in comfort and desired living conditions.

You can learn more about how savings mortgages work in different banks from a special post.

Our mortgage lawyer is ready to support you with any questions. Fill out a special form on the website with your question.

We will be grateful for your rating of the post and reposts.

It is quite easy for military personnel to solve the housing problem with the help of a savings-mortgage system. At the same time, you are provided with housing in any city of the Russian Federation from the primary or secondary real estate market.

What do you need to become the owner of your own apartment? First you need to become participants in the mortgage system. Most often, membership is issued automatically or by contract of a military personnel.

According to the stages of the savings-mortgage system, a serviceman can receive the right to purchase an apartment only after three years. However, this period can be extended by continuing to save money.

How much does it cost?

A serviceman does not receive an apartment for free. Funds from a personal account can fully repay the loan payments, but the serviceman must pay the associated expenses himself. These mainly include paperwork, services of a realtor, lawyer and appraiser.

However, on such issues there is a “Youth Construction” project, where you do not have to pay for mediation with realtors.

Under the mortgage system, savings account holders can purchase apartments during the development process. But you can move into such an apartment only after commissioning. You can be sure that you are getting quality housing, and you will not have to make repairs or remodeling. If you have chosen a rather expensive apartment and you will not be able to pay from your savings account. You can use your personal savings, this is legally possible.

Features of the loan

The state purchases an apartment for a serviceman. You just have to choose your future home and the bank, which, according to the mortgage system, is obliged to issue you a loan secured by an apartment. According to the savings-mortgage system, after three years the required amount for the down payment for the loan is in the personal account. Next, your loan must be repaid by the state, and you become the owner of the apartment. The only thing is that you do not have the right to resign from service. If this happens, the mortgage system stops working and then the owners will have to pay off their property. The exception is dismissal for health reasons. The down payment on the loan should not exceed 10% of the cost of the apartment. You can also repay the loan early.

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Policy for the protection and processing of personal data of ILIS Group LLC

This Policy for the Protection and Processing of Personal Data (hereinafter referred to as the “Privacy Policy”) explains in detail how the site located at the addresses of the site (hereinafter “we”, “our”, “site”) uses the information left by you or received during any of the Your user sessions (hereinafter referred to as “Your Information”). The privacy policy has been drawn up in accordance with paragraph 2 of Article 18.1 of the Federal Law of July 27, 2006 No. 152-FZ “On Personal Data” (hereinafter referred to as the Law on Personal Data), as well as other regulations in the field of protection and processing of personal data and is valid in relation to all personal data (hereinafter referred to as the Data) that ILIS Group LLC (hereinafter referred to as the “Company”) may receive from the subject of personal data while using the site. Your use of the site constitutes your acceptance of this Privacy Policy. You are informed and agree that your consent, given in electronic form on the site, is a consent that fully meets the requirements of the current legislation of the Russian Federation and allows you to confirm the fact of its receipt by the Company. You give your will and in your interest consent to processing, including collection, systematization, accumulation, storage, clarification, updating, change, use, transfer to the site administration, depersonalization, blocking, destruction, transfer to third parties of personal data, including, but not limited to the following personal data: full name, contact phone number, email address, name of the legal entity, individual entrepreneur, INN, OGRN, OGRNIP, location of the legal entity and individual entrepreneur, bank details and other.

This document applies to the site. The Company does not control and is not responsible for third party sites that you can access via links available on the site.

The site administrator processes the personal data contained in your information in order to fulfill the agreement between the site administrator and the User for the provision of site services (see Rules for using the site).

The Company ensures the protection of processed personal data from unauthorized access and disclosure, misuse or loss in accordance with the requirements of the Personal Data Law.

The Company has the right to make changes to this Policy.

Personal data (PD) – any information relating to a directly or indirectly identified or identified individual, legal entity (subject of personal data).

Processing of personal data – any action (operation) or set of actions (operations) performed using automation tools or without using such tools with PD, including collection, recording, systematization, accumulation, storage, clarification (updating, changing), extraction, use , transfer (distribution, provision, access), depersonalization, blocking, deletion, destruction of PD.

Automated processing of personal data – processing of personal data using computer technology.

Personal data information system (PDIS) is a set of personal data contained in databases and ensuring their processing using technologies and technical means.

Operator is an organization that, independently or jointly with other persons, organizes the processing of personal data, as well as determines the purposes of processing personal data to be processed, and the actions (operations) performed with personal data. The operator is ILIS Group LLC, located at: 115054, Moscow, st. Dubininskaya, 57, building 1, E 2, room. I, K 7, office 30B.

You have the right to access your personal data and the following information:

– confirmation of the fact of processing of PD by the Operator;

– legal grounds and purposes of PD processing;

– goals and methods of PD processing used by the Operator;

– name and location of the Operator, information about persons (except for employees)

– terms of processing of PD, including terms of their storage;

– the procedure for the exercise by the subject of personal data of the rights provided for by the Law on Personal Data;

– name or surname, first name, patronymic and address of the person processing PD on behalf of the Operator, if processing has been or will be assigned to such a person;

– contacting the Operator and sending him requests;

The operator is obliged:

– in cases where the PD was not received from the subject of the PD, notify the subject;

– in case of refusal to provide PD, the consequences of such refusal are explained to the subject;

determining its policy regarding the processing of personal data, to information about the implemented

requirements for personal data protection;

– provide responses to written requests and appeals from subjects of personal data, their representatives and the authorized body for the protection of the rights of subjects of personal data.

All information is collected in three ways.

First, browsing our site will cause its software to create a number of "cookies" (small text files downloaded to your browser's temporary files folder). "Cookies" contain an anonymous session identifier ("session-id") automatically assigned to you by the site's software, as well as information about the forum topics you have read, thus improving your user experience.

Secondly, the site is connected to the automatic service Yandex.Metrica and Google Analytics, which read the parameters of your visit to the site. We need these services to analyze problematic, incomprehensible and bottleneck areas of our site, identify difficulties in the operation of the site, and also localize possible errors.

Thirdly, the website has a programmatic implementation of the ability to submit the following applications:
application for a discount;
request for consultation;
request for feedback;
other application forms.

By specifying a phone number, you automatically agree to send the entered data to partner organizations, to receive SMS messages with important information from the point of view of the site administration about the Savings and Mortgage System of Housing for Military Personnel, including information about current discounts and special conditions. If you wish to unsubscribe from this mailing list, you must fill out an application in any form using the feedback form.

Processing of personal data is carried out:

– with the consent of the PD subject to the processing of his personal data;

– in cases where the processing of personal data is necessary for the implementation and fulfillment of the functions, powers and duties assigned by the legislation of the Russian Federation;

– in cases where PD is processed, access to an unlimited number of persons is provided by the PD subject or at his request (hereinafter referred to as personal data made publicly available by the personal data subject).

Purposes of PD processing:

– implementation of civil law relations.

PD of the following subjects is processed:

– any individuals and legal entities.

The Company is not responsible for any harm or losses caused to you resulting from inaccuracies or errors in the information provided on the site. The Company is not responsible to you for failure to receive any information due to preventive or other technical work on the site. Stored PD of subjects that can be obtained can undergo further processing and be transferred for storage both on paper and in electronic form.

PD recorded on paper is stored in locked cabinets or

locked rooms with limited access rights.

PD of subjects processed using automation tools for various purposes,

are stored in different folders.

It is not allowed to store and place documents containing PD in open

electronic catalogs (file hosting services) in ISPD.

This Privacy Policy is posted on the website, changes to the Privacy Policy are made by posting a new Privacy Policy on the website and comes into force from the moment it is posted on the website, no additional notification of changes is required.

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Participation in the savings-mortgage system does not imply any active actions on the part of their participants. Some military personnel become participants automatically, some after writing the appropriate report.

For military personnel who want to take advantage of preferential mortgage terms, it is worth knowing how to obtain a certificate of participation in the NIS (savings and mortgage system). In this article we will write the main steps that a military personnel needs to take to obtain the specified certificate. After all, it is the possession of this certificate that opens the door to obtaining the desired apartment.

Brief theoretical thesis. NIS Certificate– this is a certificate giving its owner (a military serviceman) the right to receive a targeted housing loan from the state. Payment for this loan is carried out by the Federal State Institution “Rosvoenipoteka”, which we will also discuss in the article. If we compare the classic mortgage and the military one, then, in the case of the latter, monthly payments are covered precisely by the savings of the NIS participant and amount to 1/12 of the annual state contribution for this participant. For 2016, the amount of contributions is 245,880 rubles, i.e. The state pays 20,490 rubles a month to pay the mortgage.

Those. Every year the state sends a sum of money in the amount of 245,880 rubles to the personal account of an NIS participant, and when applying for a military mortgage, 1/12 of this amount is transferred to the bank every month, i.e. RUB 20,490 The amount is indexed from year to year. But, as it turned out, the amount of NIS savings in 2016 remained unchanged compared to 2015.

As we already wrote in one of the previous materials “”, to purchase housing you must have a certificate of an NIS participant. It is this that will have to be submitted to the bank along with all other documents for consideration of the mortgage application. The NIS certificate gives its owner the right to obtain a preferential mortgage and pay for it at the expense of public funds.

How to obtain an NIS certificate?

The Ministry of Defense has formed the exact procedure for registering and obtaining this certificate in the form of Order of the Ministry of Defense dated February 28, 2013 No. 166 “On approval of the procedure for implementing the savings-mortgage housing system for military personnel in the RF Armed Forces.” Translated into a language understandable to most, these steps result in the following:

Step 1) First of all, you need to become a participant in this system. Military personnel become participants either voluntarily, by writing a report, or forcibly.

The following categories of military personnel can take voluntary participation in the NIS system:

• Persons who graduated from military educational institutions of professional education, starting from January 1, 2005, who entered into the first contract for military service before January 1, 2005.
• Sergeants and foremen, soldiers and sailors who entered into a second contract for military service no earlier than January 1, 2005;
• Warrant officers and midshipmen whose total duration of military service under the contract will be 3 years, starting from January 1, 2005, if they entered into the first contract for military service before January 1, 2005 (i.e. after January 1, 2002) ;
• Persons who graduated from military educational institutions of professional education in the period after January 1, 2005 to January 1, 2008, who received the first military rank of officer during the training process.
• Persons who received the first military rank of officer in connection with entering military service under a contract for a military position for which the state provides for the military rank of officer, starting from January 1, 2005 to January 1, 2008.
• Military personnel whose total duration of military service under a contract is less than 3 years, who received the first military rank of officer in connection with appointment to a military position for which the state provides for the military rank of officer, in the period after January 1, 2005 and before January 1, 2008.
• Military personnel whose total duration of military service under a contract is less than 3 years, who received the first military rank of officer in connection with the completion of junior officer training courses in the period after January 1, 2005 and before January 1, 2008.

Compulsory participation in the NIS system is imposed on the following categories of military personnel:

• Persons who graduated from military educational institutions of vocational education and entered into the first contract for military service after January 1, 2005.
• Officers called up for military service from the reserves or who voluntarily entered military service from the reserves and who entered into the first contract for military service starting from January 1, 2005.
• Warrant officers and midshipmen who entered into their first contract for military service after January 1, 2005 (can become participants in the NIS if the total duration of their military service under the contract is 3 years).
• Persons who received the first military rank of officer in connection with entering military service under a contract for a military position for which the state provides for the military rank of officer, starting from January 1, 2005.
• Military personnel whose total duration of military service under a contract is less than 3 years, who received the first military rank of officer in connection with appointment to a military position for which the state provides for the military rank of officer, starting from January 1, 2008.
• Military personnel whose total duration of military service under a contract is less than 3 years, who received the first military rank of officer in connection with the completion of junior officer training courses starting from January 1, 2008.
• Military personnel participating in the NIS who, after leaving military service, entered into a contract for military service with any federal executive body where federal law provides for military service.

In case of voluntary participation, the serviceman, as already written above, writes a corresponding report addressed to the unit commander. This report must be recorded in the official document register. After review, this report is sent to one of the military departments, where data from other participants is collected. This generalized consolidated list is then sent to the registration body of the Ministry of Defense, where the serviceman is included in the register of participants in the savings-mortgage system. According to the register, each NIS participant is assigned a registration number, which is subsequently linked to a personal savings account where funds are received from the state.

After a serviceman is included in the NIS register, he is sent a notification about his successful registration in the system, and his registration number is also transmitted. The serviceman became a member of the NIS .

Step 2) Having received a notification about inclusion in the NIS register, a serviceman can do nothing for the next 3 years, except honestly carry out his service. Over the next 3 years, funds will be accumulated in his personal savings account, which, of course, he cannot spend. To quickly record incoming contributions, a serviceman can control them online using his personal account. Read more.

After 3 years of service, a serviceman who wants to improve his living conditions submits another report to receive a NIS participant certificate addressed to the unit commander. This report must also be recorded in the official document log.

• The official responsible for the implementation of the NIS in the military unit, based on the reports of the NIS participants, generates information in the form according to Appendix No. 14 to the Procedure and sends it to the regional housing department (RUZHO).
• This department collects and processes information from NIS participants who have expressed a desire to receive a housing loan from the state.
• Having generated the necessary lists, RUZHO transfers them further along the chain - to the Housing Department of the Ministry of Defense of the Russian Federation, which is essentially the registration authority. He registers the participant in his register and already transfers them to the Federal State Institution “Rosvoenipoteka”, which will continue to be the payer of savings contributions and monthly payments on the mortgage loan.
• Rosvoenipoteka issues an NIS certificate and transmits it back along the chain to the military personnel either by mail or through an official.

What does the department of the Federal State Institution “Rosvoenipoteka” do:

• Accumulation of funds for NIS participants;
• Registration of certificates of NIS participants;
• Registration of housing loans for military personnel;
• Transfer of funds to the bank as monthly mortgage payments;
• Registration and issuance of savings of NIS participants in cash in the event of the right to use them;
• Information and explanatory work about the functioning of the NIS, the housing market, paperwork, etc.

After receiving the NIS certificate

Having received the desired certificate, the serviceman can begin to look. It turns out that the state, after 3 years of participation in the NIS, will allow you to use approximately 700-800 thousand, this is the amount that will be accumulated by the serviceman in his personal savings account. This money can be used as a down payment (you can add your own if you want, but this is not necessary), and the remaining mortgage loan will also be paid off by the government.