About the fund news Question answer Contacts How to find us? the main / Articles Housing for a Russian family Mortgage Mortgage calculator Social payments Norilsk branch Maintenance of mortgage loans / loans Fund Sales Department Construction Government of the Krasnoyarsk Territory AFZhS AHML From market mortgage to social In mid-2014, the Federal Agency for Housing Mortgage Lending (AHML) changed its strategy for the development of mortgage lending in Russia for the coming years. The task of the new mortgage standard is to create the most loyal conditions for borrowers whose income does not allow them to obtain a commercial mortgage in banks. AHML is ready to develop social mortgage programs specifically for such categories of citizens. On August 1, the regional operator AHML, the Krasnoyarsk Regional Housing Construction Fund, began work under the federal program "Social Mortgage" with a record low interest rate for the current state of the market - 10.6% per annum. We talk about the prospects for the development of the mortgage market and social programs with the Director General of the Fund, Sergei Berdowsov. - Sergei Ivanovich, recently there has been a tendency for banks to increase mortgage interest rates, despite the fact that the government of the Russian Federation has set the task of lowering rates. What are the AHML and the Fund in particular doing to make mortgages available? - Regional operators of AHML are, first of all, institutions for the development of mortgages in the constituent entities of the Russian Federation. In crisis years, the share of our organizations' presence on the market increases, and in an economically prosperous time, when banks become active, it decreases. Thus, AHML and its regional operators regulate the leakage market - they do not allow it to collapse, support and prevent unjustified increases in interest rates. In early September, the Ministry of Construction and Housing and Utilities of Russia added the Krasnoyarsk Territory to the list of subjects of the Russian Federation, on the territory of which the program “Housing for a Russian family” is being implemented. The program is aimed at stimulating the construction of economy-class housing, reducing the cost of building such housing and the price of its acquisition by citizens, introducing innovative institutional, financial, technological and organizational mechanisms for such construction, creating mechanisms to meet the demand for housing for economically active and working citizens with average incomes. Within the framework of the program "Housing for a Russian family" in the region, it is planned to build 480,000 sq. meters of economy class housing. The construction of economy-class housing will solve the problem of providing high-quality and affordable housing for citizens with average incomes - state employees, teachers, doctors, military personnel. This is a fairly large category of people who would like to improve their living conditions, have savings for a down payment, whose income does not allow purchasing housing at current market prices, but allows them to purchase housing at below market prices using their own and borrowed funds. - In August, the Fund launched a new AHML program - Social Mortgage. What is its essence? - The "Social Mortgage" program was developed by the AHML to increase the affordability of economy class housing for certain categories of citizens and reduce the financial burden on mortgage borrowers. The rate on loans for the purchase of housing and for on-lending is 10.6% per annum. That is, using this program, people will be able to both buy housing and re-register a loan previously received from any bank at a rate of 10.6% per annum. Today, when the average market rate is 12.2%, such an offer is undoubtedly very profitable. The first installment of the borrower or the balance of the debt on the loan must be at least 30% of the cost of the purchased property. The maximum loan term is 30 years. - Who can become a participant in the program? - 16 categories of borrowers can become program participants. In the product passport, the entire target audience of the program is united by the concept of “socially significant categories of the population”. This includes: families with children, employees of state and municipal scientific organizations, educational institutions, health care, culture, sports, social protection and employment of the population, employees of public authorities and local governments, citizens in need of housing, living in emergency or dilapidated living quarters, military personnel, war veterans, law enforcement officers, employees of city-forming organizations, etc. It is important to note that at least one of the borrowers must belong to any category. The rest of the participants in the transaction, there can be up to four people in total, may not belong to this category. According to AHML estimates, up to 80% of our clients will be able to use the program. - Is it possible to give an example of the calculation of the "Social Mortgage"? - Of course. If we assume that a person buys an apartment at a price of 2 million rubles, then the monthly payment for the Social Mortgage for 20 years will be 14,106 rubles. The income of all borrowers must be 31,400 rubles. And if a person took out a loan at the average market rate of 12.25%, then the payment would be 15,690 rubles. Thus, the savings are about 382 thousand rubles. Moreover, we always explain to our clients that there is no need to be afraid to apply for a mortgage for a long term, since it is possible to repay the loan ahead of schedule and reduce the amount of interest paid. There are no penalties for this. Moreover, from the current experience, we see that the average life of a mortgage loan is 7 years - that is, two to three times less than is prescribed in the contract. - If a person does not have enough of his own funds for a down payment? - Participants of the program, if they have maternity (family) capital funds, can use them to increase the loan amount, without waiting for the child to reach the age of three. In addition, government or corporate grants can be used for the down payment. And, of course, as with all AHML programs, in the event of temporary financial difficulties, it is possible to arrange a "payment vacation" for up to two years with a decrease in the monthly payment from 30 to 80%. - What other programs are operating in the Fund today? - Today the Fund has various programs adapted to the interests of a particular category of borrowers. Since 2013, there have been two more social mortgage programs “Young Teachers” with a rate of 8.5% per annum and “Young Scientists” - 10.5%. Both of these products with preferential rates allow young professionals to both purchase housing and refinance. Also, the "Standard" mortgage loan continues to operate for the acquisition of finished and under construction housing for all categories of citizens. In a word, today, as the vector of activities of the federal AHML has shifted in the social direction, there are indeed very favorable lending terms. But, it is important to know that while the "Social Mortgage" program is approved by the end of the year, it means that the main thing is not to waste time, but to contact the Fund, and our specialists will select the best mortgage for you. - Sergey Ivanovich, apart from the implementation of the Social Mortgage program, construction of economy-class housing, what other changes can we expect in the mortgage market? - The priorities of the state policy in the Krasnoyarsk Territory correspond to several directions of the implementation of the priority national project “Affordable and Comfortable Housing for the Citizens of Russia”. This is to stimulate the development of housing construction; support of effective demand for housing for young families, young scientists and families with 3 or more children, as well as housing mortgage lending; fulfillment of state obligations to provide housing for certain categories of citizens. To achieve these goals, it is necessary to reduce the cost of 1 sq. meters of housing by increasing the volume of commissioning of economy class housing; develop a market for affordable rental housing and non-profit housing stock for low-income citizens; support certain categories of citizens; improve the conditions for purchasing housing on the market, including through mortgage lending. These tasks will be solved by the regional government, the Ministry of Construction and Architecture, as well as the Fund in the near future. The development of the following areas is currently underway: construction of economy-class housing on land plots of the Federal Fund for Assistance to Housing Development; implementation of the Housing for a Russian Family program; creation of conditions for the development of the housing and construction cooperation sector; development of new forms of financing for the development of rental housing stock; development of regional mortgage programs; development of the mortgage securities market and the infrastructure of the mortgage market. 09.09.14 Back to the list news 21 April 2015 Apartment on the secondary market - only 13% per annum! 11 March 2015 "Housing for a Russian family": how to become a program participant December 22, 2014 Happy New Year! 12 Декабря 2014 АИЖК спишет пени заемщикам, которые погасят долги по ипотеке до 25 декабря 23 Ноября 2014 Страхование гражданской ответственности застройщика Подписаться на новости Статьи 11 Марта 2015 Ипотека-2015: «Жилье для российской семьи» и социальные проекты Повышение процентных ставок, усиление требований к заемщикам, - о том, что происходит в последнее время с ипотекой, все хорошо осведомлены. Как на сегодняшний день выглядит ипотечный рынок и когда жда... 6 Марта 2015 Фонд: ипотечные итоги-2014 В Красноярском краевом Фонде жилищного строительства подвели итоги ипотечного кредитования за 2014 год. О том, каким был прошедший ипотечный год, средних параметрах по кредиту, предпочтениях жителей к... 12 Декабря 2014 Страхование ответственности застройщиков С января 2014 года вступили в силу поправки к 214-ФЗ «Об участии в долевом строительстве многоквартирных домов и иных объектов недвижимости». Поправки коснулись требования о страховании гражданской от... Вопрос-Ответ Здравствуйте! Подскажите, пожалуйста, если приобретать квартиру из вашего залогового фонда, то возможно первоначальный взнос оплатить средствами материнского капитала? 28 лет, не замужем, детей нет, своего жилья нет. Больше 3 лет работаю учителем, последний год в школе Красноярска. Какую программу ипотечного кредитования мне лучше запрашивать? Хочу купить однокомнатную квартиру в Красноярске, есть накопления – 400 000 рублей. Здравствуйте, я участвую в программе вашего фонда «Молодой учитель» с августа 2014г. Приобретена однокомнатная квартира. Как можно теперь улучшить жилищные условия, хотим приобрести двухкомнатную квартиру. Если продадим эту, добавим средства, процентная ставка по кредиту сохраниться? Добрый день! В 2011 году купили квартиру в ипотеку на 15 лет (в свидетельстве о гос. регистрации права указано – существующие ограничения (обременения) права: ипотека в силу закона). Хотим продать ее, какая процедура по продаже такой квартиры? Спасибо заранее! Здравствуйте! Я и мама являемся созаемщиками по ипотеке, квартира находится в собственности у нас двоих по 1/2 доли. На сегодняшний день я получила материнский капитал и хотела бы погасить значительную часть ипотеки. Мне сказали в Пенсионном, что не могут направить маткапитал на погашение ипотеки, так как я буду гасить и ту часть, которая находится в собственности у моей мамы. А нужно, чтоб собственником была только я, без нее. Может ли АИЖК переоформить кредитный договор (внести изменения) и оставить маму созаемщиком, но собственником квартиры сделать только меня? Я не работаю, сижу в декрете с двумя детьми, мама уже пенсионерка, ипотеку выплачивать осталось 7 лет. Мало ли какие обстоятельства будут в дальнейшем, а здесь есть реальная возможность уменьшить долг по ипотеке. Войдите в положение и предложите, пожалуйста, возможные варианты по внесению маткапитала. Заранее спасибо. Ask a Question © 2011 Krasnoyarsk Regional Housing Fund pr. them. newspaper Krasnoyarsk Rabochy, 126, office 654 info@krasgilfond.ru Information Center: tel. (391) 265-59-59, 8-800-301-59-59