Providing servicemen with housing is one of the main social tasks facing our state. Its solution will allow servicemen and their families to be more confident in the future, help attract young people to serve in the armed forces, and increase the prestige of the military profession. For this, the government, together with the Ministry of Defense, has developed several social programs, including a special one, which provides for specific conditions and benefits for military personnel serving on a contract basis.

Its essence lies in the formation of a special list or register, which includes those military personnel who are participants. A separate account is opened for each participant, where special contributions are transferred every month. After some time, the amount is collected for them, and after three years the servicemen can apply for a loan from the bank to buy a home.

Many banks take part in this program. The main bank of the country - Sberbank - also offers its loan products to the military on special terms.

The issues of "military mortgage" are regulated by a special Federal Law No. 117 "On the Savings and Mortgage System of Housing for Servicemen"... It presents the main principles of the program, reveals the essence of its basic concepts, presents the requirements that are imposed on the participants, establishes the rules governing its implementation and designates the bodies that supervise the implementation.

The system in its work also relies on the basic law of the military department "On the status of military personnel" No. 76 FZ.

In addition, a number of government decrees regulate the work of the system: "On the functioning of the NIS", "Rules for the provision of housing loans" and others.

Banks that provide loans are guided by the law in their work "On mortgage (pledge of property)", resolutions and orders of the Bank of Russia and other documents.

Advantages

Sberbank is one of the most popular banks chosen by the military to conclude mortgage agreements.

And this is explained not only by tradition, but also by the conditions that the bank offers to its clients.

In addition, in 2019, Sberbank increased the permissible loan amount up to 2.4 million rubles.

Benefits are such:

The mortgage can be provided at any branch of the bank or at the place of residence of the borrower or at the place where the property he is buying is located. Another advantage is the fast terms of consideration of documents and decision-making - up to 6 days.

Conditions for the provision of borrowed funds

Sberbank was one of the first among credit organizations to start participating in the program for providing housing for military personnel.

He provides them with mortgage loans for the following conditions:

If the borrower wants to buy an apartment, the cost of which exceeds the permissible amount of borrowed funds, the bank is ready to give him an additional loan at a higher interest rate, if there is a guarantor. However, the serviceman will have to pay this loan from his own funds.

Requirements for the borrower and the purchased housing

To get a loan under the "military mortgage" program the borrower must meet these requirements jar:

• A soldier must be at least 21 years old.
• The loan is available to contract employees in the Armed Forces for at least three years and to officers who entered into a contract after 2005.
• A soldier must be a member of the NIS program, have a participant certificate, an individual number and a savings account.

Under this program, the military can purchase any housing: apartments in new buildings, in houses under construction or in the secondary market. It is also possible to purchase suburban real estate, but only if it is bought specifically for housing: that is, you can buy it, or with a finished house on the site. However, the purchase of just a piece of land is not possible under the terms of the program.

Since the state pays the bulk of the debt to the bank, the acquired real estate until the loan is fully repaid remains in double collateral - with the bank and with the state.

Calculation rules

For each military man who wants to buy his own housing under the NIS program, it is important to understand how the loan is calculated and the amount of monthly payments.

For this, there are special programs that allow you to accurately assess all future expenses. On the Sberbank website, in the "Mortgage Loans" section, there is a calculator by which you can calculate in advance the amount of monthly payments and the interest rate.

To accurately calculate, you need to take into account a number of factors that directly affect the loan amount, payment schedule and their value:

For a detailed calculation, it is desirable to know the exact numbers, in this case the result will be more accurate, with a slight deviation from the actual by no more than 1 or 2%.

Required documents

Sberbank does not require a large number of documents from borrowers to provide borrowed funds for a military mortgage.

A soldier will not need to look for guarantors (except for those cases when the loan amount exceeds the allowable program of 2,200,000 rubles) and documentary evidence of his income, as is required from participants in other loan programs of the bank.

The bank will need to prepare and bring such the documents:

• borrower's passport (if guarantors are required, then their passports too);
• a questionnaire that can be downloaded on the bank's website and filled out in advance;
• certificate of the NIS participant's right to receive funds.

The borrower can provide the documents for the acquired property to the bank within three months after the decision on issuance is made. In some cases, the bank may ask for additional documents.

Registration procedure

To receive a loan from Sberbank under the NIS program, a serviceman must be registered in a special register, have his own personal savings account and serve under a contract for at least three years. In addition, at the time of contacting the bank, he must be at least 21 years old and not older than 45.

The first step to your own home is contacting Rosvoenipoteka for a certificate for the right to receive a targeted housing loan.

When it is received, you can choose a suitable apartment... Housing must meet the requirements of the bank, that is, it can be an apartment or a room in a new building or on the secondary market, suburban real estate suitable for housing.

Having decided on the property, its value, you will need prepare all documents for a bank, and, as described above, very few of them are required.

Having provided the bank with all the documents, you need to wait 6 days, during which Sberbank will check all the information, examine the client and make a decision.

If the decision is positive, then within 2 months you need to accurately determine the choice of housing to be purchased and you can execute a mortgage agreement, sign all documents and conclude an insurance contract for the property, which will now be pledged by Rosvoenipoteka and Sberbank. If housing is purchased on the secondary market, then the bank may require an appraisal examination.

After receiving a loan, you become the owner of your own real estate. The bank will need to provide an agreement on the purchase and sale of an apartment to confirm the intended use of funds.

Loan payments will occur every month in the amount of 1/12 of the amount of the funded contribution, which will be set by the government in the current year.

Sberbank's "military mortgage" is one of the most popular loan products, thanks to which servicemen can purchase housing after several years of service in the Armed Forces. The main advantages are enjoyed by those military who conclude a loan agreement 3-4 years after registration in the Register and remain in service for 20 years. In this case, most of the loan payments are borne by the state. The terms of lending and the requirements that the bank makes to borrowers are quite loyal, since the main guarantees are taken by the state in the person of Rosvoenipoteka and the Ministry of Defense.

See the following video for the specifics of obtaining a mortgage loan for military personnel:

Many citizens of our country serve in the army. One of the most striking advantages of serving in the army is the ability to get housing in. A soldier can choose one of two options: buying a new building under construction or buying a finished home.

And in that and in this case, Sberbank is ready to provide you with a soft loan at 9.5% per annum.

Why it is worth taking a loan from Sberbank

• The rates have been reduced
• You are not required to confirm your solvency

How to get a mortgage from Sberbank for a serviceman

• First of all, you need to obtain a certificate of eligibility for a targeted housing loan
• We go to the portal from Sberbank and leave an application for a mortgage
• After reviewing the application by the bank, we receive mortgage approval
• Collect the necessary package of documents for the housing you are interested in
• We sign the mortgage documents in the bank, finding the nearest one, and insure the loan collateral
• We get a loan and now - your apartment.

Conditions for obtaining a military mortgage from Sberbank

• The loan amount must not exceed 85% of the appraised value of the property. That is, you must have a down payment of at least 15% of the cost of housing with you.
• Loan term should not exceed 20 years
• The loan will be secured by the purchased residential premises - it will be pledged by the bank
• According to the law of the Civil Code of the Russian Federation, you will be obliged to insure the living space purchased on a mortgage against the risks of loss / death.
• The mortgage interest rate is fixed at 9.5% per annum.
• The military borrower must be at least 21 years old.

Loan application consideration period

The term for consideration of an application for a military mortgage is 6 working days.

The maximum amount of a military mortgage in Sberbank

The maximum amount of the mortgage is 2.33 million rubles (2,300,000 rubles)

Will the apartment purchased under the mortgage be pledged by the Bank?

Yes, the acquired real estate object is pledged by the Bank until full (if the terms of the loan provide for the registration of the credited real estate object as collateral). Within the framework of the programs “Purchase of ready-made housing”, “Purchase of housing under construction”, it is possible to arrange as collateral for a loan as a pledge of the purchased apartment, and the pledge of an existing apartment.

Thanks to the DomClick portal from Sberbank, it has become even easier to find housing. No need to wait for your turn at a bank branch or spend a lot of time looking for housing. After all, the DomClick portal has everything you need for this. It is enough to set up a convenient filter and you can start searching through a large real estate catalog. We wish you to purchase your dream home!

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Military mortgage calculator

MORTGAGE CALCULATOR

Use the calculator to find out the maximum cost of an apartment under the "Military Mortgage" program

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How to use the military mortgage calculator

The military mortgage calculator is a convenient tool for calculating the amount of savings on the military account, as well as the amount of credit that a bank can issue. In addition, this online service is able to give a rough idea of ​​how the payment table will look like calculated by month. This information will allow the borrower to assess their financial capabilities, to determine the amount of the first installment on the loan and the amount of debt on the IDL (if the soldier takes out a military mortgage for the second time).

Where can I find out the amount of savings?

About how the military mortgage is calculated, or rather, what is the amount of savings on the account, few people know. There are two options for how to find out. The first is to go to the Rosvoenipoteka website under your username and see this data in your personal account. The second is to use a mortgage calculator. In this case, the military mortgage is calculated practically without errors.

How military mortgages are calculated

Initially, it was assumed that the funds allocated by the state should be enough to buy an apartment with an area of ​​54 sq. M. However, as practice shows, this amount is not always able to provide a serviceman with housing of such a size. If an officer or a contractor is interested in a military mortgage, he can calculate the amount of savings using a calculator, but in general, this amount is calculated taking into account the cost per square meter of real estate in a particular region. The first installment, which is 10% of the base price of an apartment, almost always accumulates over the first three years of participation in NIS, and then the monthly payments fall on the shoulders of the state. Additional costs associated with obtaining a loan are repaid at the expense of the borrower. These include:

• Consideration of an application for a mortgage loan.
• Loan disbursement fee.
• Property valuation.
• Insurance of the apartment, health and life of the borrower.
• Safe deposit box rental.
• Payment for the services of a realtor.

Military mortgage: savings calculator and how it works

The calculator can easily calculate a military mortgage, but it should be understood that this calculation cannot be taken as a basis and these figures cannot be required from the bank and the state. In any case, in reality, everything will turn out to be somewhat different.

To calculate a military mortgage, you need to indicate in the columns the year and month of inclusion in the register of the savings program (not earlier than 2005). After that, the service itself will calculate the amount of the accumulated amount on the serviceman's account. At the same time, the monthly charge is calculated as 1/12 of the annual contribution, which is constantly indexed and growing. In addition, all funds of NIS participants in their accounts take part in state investment projects, therefore, at the beginning of each year, the amount of savings is recalculated taking into account new income.

Calculation of a mortgage for the military: what you need to know to calculate

If you need to calculate the mortgage for the military, then you can use the second part of the loan calculator. Several parameters must be specified here:

• The amount of savings on the account of a soldier.
• The value of the property he has chosen.
• The amount of the first installment in percent.
• The maximum amount of a loan issued by a bank (this parameter is individual in each bank).
• The presence of maternity capital.
• Loan terms.
• Loan rate.
• Start date of payments.

The calculator will calculate the military mortgage instantly. True, you should not trust him 100%, since this online service is for informational purposes only and cannot guarantee the accuracy of the result.

The terms of mortgage lending for military personnel are constantly changing, so the military mortgage, the accumulation calculator for which is available on our website, is calculated differently each time.

M. "LENIN'S SQUARE", FINLYANDSKY PR., HOUSE 4, PETROVSKY FORT BUSINESS CENTER, ATRIUM

* 1 Permanent promotion provided by the developer.
* 2 The mortgage is provided by PJSC "Bank" St. Petersburg, general license No. 436, LLC KB "RostFinance" gen. license No. 481, JSC "Sberbank of Russia" gen. License 1481, OJSC Promsvyazbank, general license No. 3251 OJSC Zapsibkombank, general license for banking operations of the Central Bank of the Russian Federation No. 918 dated August 30, 2006, OJSC AK BARS BANK, general license of the Central Bank of the Russian Federation No. 2590 of July 31, 2012, VTB24 CJSC, general license of the Bank of Russia No. 1623 of October 15, 2012, PJSC Khanty-Mansiysk Bank Otkritie, gen. license No. 1971, OJSC Gazprombank, gen. persons. No. 354, JSC "UniCreditBank", gene. license No. 1
* 3 In the assortment of Real Estate World LLC as of 12/15/2015

Military mortgage is one of Sberbank's loan programs, which is offered to a certain category of the population. Within the framework of the presented program, families of military personnel can obtain a mortgage loan to buy an apartment or house on favorable terms. This type of mortgage lending is secured by the state. If you are going to apply to Sberbank for a military mortgage, you can first familiarize yourself with the basic conditions for issuing a loan: the maximum amount, maturity, etc.

Conditions for the provision of a military mortgage for the military under a contract with Sberbank in 2019

A soldier receives the right to a full withdrawal of state deductions only after his total experience in the military structure is twenty years.

Despite this, it is possible to use funds from a special current account to pay the initial contribution after three years of military service. If a soldier used all the capital to get a mortgage loan, his account will still continue to receive deductions from the state budget, which can be used to pay off the loan. The main conditions on which Sberbank customers can take out a military mortgage in the current year are described below in the article.

• the annual rate of the mortgage loan is 9.5%;
• the largest amount that can be borrowed is 85% of the property price. Moreover, its size should not exceed 2.398 million rubles;
• to become a participant in this mortgage program, you must pay a mandatory contribution of 15% of the price of housing;
• the longest mortgage repayment period is 20 years (provided that this figure does not exceed the term of the target loan);
• the bank issues a loan in national currency. The acquired real estate acts as collateral.

It is important to note two important conditions: the minimum age of the borrower is 21 years, plus the obligatory participation in the NIS.

Benefits of a military mortgage

Given that the military mortgage from Sberbank is a program with state support, this type of lending has a lot of advantages over other similar proposals.

1. The interest rate level is much lower than for other mortgage offers. The exception is the "Young Family" mortgage.
2. As part of a military mortgage from Sberbank, you can buy real estate not only in the primary real estate market, but also in the secondary one.
3. Any type of real estate is available: apartment, cottage, town house.
4. A military mortgage does not require proof of income level and solvency documents.
5. There is no commission for processing a loan, as well as compulsory health and life insurance of the borrower.

When planning to take this mortgage from Sberbank, you do not have to look for guarantors. The program also provides for the return of the entire amount of tax deductions that are charged on the amount of interest on the loan.

Calculate a military mortgage in Sberbank - calculator, preliminary calculation, online consultation

On the official website of Sberbank, it is presented, with which you can calculate the interest on military mortgages in 2019.

A more accurate value can be obtained using an online consultation, or you can get it in person at.

To get the most accurate value, you should enter as much personal data as possible:

• the amount of government deductions from the current account;
• the estimated value of the property;
• the amount of the initial payment (in percent and in national currency);
• transfer of personal finances against the down payment (if necessary);
• the amount of the loan that will be required to buy a home;
• loan rate and term of the mortgage program (in months).

After entering all these data, the system will calculate the main indicators for the military mortgage from Sberbank. Here you will find information about the amount of regular payments, as well as the cost of the loan and the amount of overpayment.

A military man who is going to receive an NIS Certificate and issue a military mortgage, when choosing housing, needs to know the amount he can count on. A soldier can independently or with the help of a specialist calculate the cost of housing, which he can purchase using the funds of the military mortgage accumulation system.
The amount for a military mortgage consists of 2 parts - the funds accumulated on the Certificate over the years of service from the date of entry into the program and the bank loan. For the calculation, you can use the military mortgage calculator.

There are military mortgage calculators in every bank that offers the service of lending to military personnel, however, the calculation of the cost will only be from a specific bank, and in order to find out the best option for yourself, you will have to use the calculators of all banks. The search for a property on a military mortgage begins with a careful calculation of the value of the property that is planned to be bought, and here it is very important not to make a mistake in the calculation and not miscalculate.

Note! on the initial data for calculating the military mortgage. In addition to the data: date of birth, date of receipt of the certificate, validity period of the certificate, the amount of savings in the certificate, there is a parameter credit approved by the bank !!! and here it is very important not to miscalculate, to choose the right bank and buy more decent real estate and have a wider selection of offers on the market. Contact specialists whose specialization is!