Federal administration of the accumulative-mortgage system of military services.

Repair

Golovna The government's military mortgage program was developed by the competent authorities with the instructions of the President of the Territory. The Federal Law on Civil Mortgages (117-FZ) was adopted in 2004.

To ensure the full functioning of the system, a special structure was created, which is part of the Ministry of Defense of the Russian Federation.

After 3 years from the moment of inclusion in the savings-mortgage system, the participant has the right to apply for a loan from the bank (or a private booth on a land plot) . The funds accumulated at that time on the bank account of the military service act as the first deposit for the mortgage loan. Next, the country will re-insurance 1/12 of the river's accumulative contribution to repay credit debts. The step-by-step process of buying an apartment in Novobudovo or on the secondary market with a real estate mortgage looks like this: The military service is included in the Register of NIS participants

(in obligatory or voluntary order it is necessary to comply with your military rank, date of entry into military service and line

military service

behind the contract until the appointed time)

The government program of military mortgages encourages military services to buy apartments and houses on land using two additional strategies:

• Applying for a military mortgage - in order to quickly get rid of the accumulated funds for the purpose of your life (CJZ) During the period of military service, you should arrange a mortgage loan from the NIS partner bank to buy an apartment or live in a business with a military mortgage with the required characteristics.
• Collect kosti on the registered bank until you have the right to their vikoristan;

for the insistence of this right - vikorystuvat them, for their money, having deposited the sum that they are marrying for the purchase of an apartment, with their cash.

How can you become a member of NIS and buy an apartment with a mortgage? To become a member of NIS, for the highest category of the system(Sergeants, petty officers, soldiers and sailors who perform military service under contract) , it’s enough to serve in the army for three years and prepare a report about the liberation but we’ll turn it on before..

The NIS program does not in any way interfere with the military service: you can buy almost any type of indestructibility from a military mortgage for government purposes

(Vynyatok - land plot without a booth) The exchange for the area is also not transferred. A NIS participant can choose to remain undisturbed in any region of the country, the program does not bind it to the region of service.

An important positive aspect of the system is the fact that the military serviceman has a vein of power

It won’t be long before you get your mortgage from your home.

Only timely inclusion can ensure a sufficient size of the cost on a given frame for the full provision of a suitable living situation for an attached apartment with a residential mortgage or a cabin on a land plot i.

What are the costs that the NIS participant is hoping for in the minds of free or paid rewards.

Military service members who want to become participants in the NIS, but don’t know how to earn it, can use the help of “Military Relocation”.

We know that you have the right to a real estate mortgage, and how you can better exercise this right.

• The problem of the supply of moisture is relevant for wealthy Russian military servicemen.
• For this purpose, the supreme power praised a special law dedicated to the savings-mortgage system to ensure the living standards of military servicemen.
  officers who volunteered for military service in the Russian Army from the reserves.

In addition, it is possible and voluntary for the military to participate in the hoarding-mortgage system, which has been fragmented by the state.

• This possibility applies to all categories of military servicemen who have entered into an initial contract for military service in the Republic of Armenia even before 01/01/2005:
• graduates of higher military-initial positions, who received their first military officer rank, starting from the beginning of 2005;

ensigns and midshipmen, the triviality of military service under contract in the army is becoming 3 years old, starting from today 2005.

To take part in the military mortgage program, the military service officer must register with the special NIS register to take part. The names of the register are a variety of people who take part in the government mortgage program for military servicemen, from the designated information about these participants. Federal legislation stipulates that the formation and maintenance of such a register of military servicemen who will take part in the accumulative-mortgage sovereign system , be brought to competence federal bodies

viconic ruler

, in which Russian legislation has transferred military service.

As has already been said, today it is possible and voluntary, and obligatory inclusion to this register.

1. If a military service member voluntarily took part in the program, in order to be included in the register, he must write a confirmation report to the commander of the military unit in which military service he is serving.
2. Inclusion in the register of military services will be completed 10 days after the removal of the “Russian Potency” from the military parts of the lists.
3. To be included in the military service to the list of eligible brothers to participate in the mortgage program, please provide:

application for a destiny;

Passport of a military serviceman who is applying for a fate;

A copy of the agreement.

The military service, included in the Register, becomes a participant in the mortgage program.

After this, he has the right to insure the withdrawal from the state of accumulative deposits, which can be quickly recovered from the legislator’s outbursts.

Every military service member who participates in the accumulative-mortgage system is provided with a special registered accumulative mortgage account for the re-insurance of thousands of penny deposits. Such reorganizations for military services are provided with additional funds from the federal budget. The amount of accumulative deposits is calculated in

Russian legislation and is quickly indexed. The size of the state contributions, which contribute to the transfer of funds to the accumulative fund of the military service, does not include any military rank, nor among the military personnel with whom to serve.

At the time of the introduction of the mortgage program for military households, the size of the financial contribution was set at 37,000 rubles per river, and

• In-line 2014, this contribution will already be 233,100 rubles
• .
• The shape and re-insurance is accumulated by the Federal Establishment “Rosvoenipoteka”.

Today there are a number of options for recovering accumulated financial losses for military services:

through 20 years of military service in the Russian Army;

after completing 10 years of military service during the military service, including discharge from military service of the last century, recognition of any reason is limited to military service or later shortened ;

• at any time after 3 years of participation in the mortgage program for military workers, the purposeful housing loan given to military servicemen who took part in the state mortgage program, "Russian mortgage" ".
• After 3 years of participation in the mortgage program, submit a certifying report for the withdrawal of a special certificate, which confirms the right of the military service member of the mortgage program to withdraw targeted credit sums for additional living la;
• cancel this agreement;
• choose a consistent lifestyle, which is consistent with the military service’s military responsibilities, as well as the responsibilities Russian Ministry defense, credit institutions and insurance companies;
• submit an application for a mortgage to a bank that provides loans to military servicemen;
• open a special account and transfer it to a new financial account from a named accumulative account, which will become a cob deposit;
• check with the bank and sign the agreement on the mortgage, which is drawn up between the military service officer who takes part in the civil military mortgage program, the bank that issues the loan, and the Federal Financial Institution “Rosvoenipoteka”;
• place the rest on the living room;
• obtain a registration certificate.

Documents for military mortgage

To get military services to approve the bank for mortgage lending, please provide the following documents:

• certificate from the military service about the right of the NIS participant to residential mortgage lending;
• Posvidchenya vyiskovogo;
• confirmation of the individual of the military serviceman who is applying for a mortgage, and confirmation of the individual of the military serviceman’s squad (friendship), if necessary - a passport of a trusted individual, which can be a notarized power of attorney zhitla;
• certificates about the placement of a child in the military service (about the birth of a child), the birth of children;
• dovidka s related companies from the place of registration from the applicant-military service and members of his family;
• IPN certificate of the applicant-military service;
• certificate of completion of military service;
• evidence from the place of service;
• year as a friend (friend) - if a participant in a military mortgage is staying with a whore;
• Confidence – as a military service member who is especially present at the site.

A bank that provides a mortgage for sovereign program, you can obtain other documentation for the loan.

Basic programs

In summation of what has been said about the government program, you can see the main minds of the military mortgage:

• the term laid down in the military service agreement has an important meaning with regard to participation in the mortgage program;
• The addition lived for the support of the state accumulative deposits of the military service can be started no earlier than at least 3 years after the conclusion of the contract;
• The military service member can himself determine the parameters of the vein in which he is swimming, and the region in which he is swimming;
• The maximum amount, as seen by the government for adding money to the military, is 2.2 million rubles, and the minimum loan amount for a mortgage, which is seen by the bank, is 300,000 rubles.
• The size of the mortgage loan for military servicemen depends on two factors: the size of the savings deposit, which is indicated on the account of the military-participant NIS, and the term of the mortgage.

The type of all mortgage loans under the program is in ruble equivalent; issuance of mortgage loans for military personnel is possible in terms of 3 to 25 rubles. The loan from the military mortgage will be fully repaid until the end of the military service officer of the 45th century. The federal state treasury institution “Rosvoenіpoteka” was created in 2006 to ensure the functioning of the accumulative

mortgage system

(НІС), called the living nutrition of military servicemen.

Acceptance in 2004 of the program, indicating the transition of the government's obligation to those serving in the provision of living quarters in the form of living quarters for the chipboard, until the settlement of bank deposits and payment of a bank loan, which allows participants in the program to choose not only the size of the new apartment, but also the area It's time for the bath.

.

Each participant in the government program has the right to receive a life supplement after completing three years of participation in the NIS, regardless of the period of service and completion. About the military mortgage on the official website Find the latest information about housing for military servicemen - the official website of the military mortgage with first-hand help.

The nutrition and evidence section gives people the opportunity to both solve their problem and become familiar with the most popular questions among doctors. A site that is not available on the “Get Meal” page is limited to registered clients. Also, the website of Rosvoenіpoteka and the features of the account of registered NIS participants will help control the operations that take place behind your own account, and recognize the surplus

pennies worth

and keep an eye on the size of the thousands of deposits.

Moreover, the resource data is displayed not only for the Moscow region, but also for those who serve in other places.

Regulates the register of programs of the Ministry of Defense to maintain the register of NIS participants.

• If a military service member, for whatever reason, needs to come to the Department in particular, the addresses of the military mortgage in Moscow are listed in the Contacts section of the website - Khoroshivske Shosse, 38 D, building 2.
• What branch does it have, and the call can be redirected to that branch? Determine who receives food.
• NIS participants are worried about how to get through to Rosvoenipoteka, if they need to understand that those who want to supply food in abundance, they need to identify the tolerance in the studied areas.
• Activity of the federal NIS installation

Most military service workers have heard of the website of the military mortgage Russian Military Mortgage ru, but what is Russian Mortgage really?

To control the violations adopted in 2004 for those serving in the NIS, a state treasury institution Rosvoenіpoteka for the Russian Federation was created, with the following tasks: registration of assets that are considered by the power for the purchase of lives by soldiers and officers who serve under contract - NIS participants in their special positions;.

work with living positions, which are seen from military mortgages between government programs; providing consultation on nutrition and selection of life support for women; The disbursed mortgage was organized in Moscow, the work of the company's branches was established both in the distant region, and in the Urals and in the central part of Russia.

Rozvoynepoteka closely follows the results of its activities, everyone can appreciate the benefits of the organization’s work in the information section of the official website of Vyskova Mortgage RU, where everything is also available for viewing installation documents companies.

Meta of the accumulative-mortgage system

According to the provisions of Federal Law No. 117-FZ dated September 20, 2004, military servicemen exercise their right to ensure that residents participate in the savings and mortgage system.

Three years after logging into the system, the service provider may be able to withdraw savings and use them to purchase housing.

On the official website of the military mortgage Rosvenipotek ru there is a register of program participants, which is formed by the regional governing body.

If they are not registered with the registry, military service contract workers can withdraw their money for the purpose of living indelicacy.

• The registration number of the participant in the military mortgage and all legal requirements and details are entered into the official register of participants, and after this the military service receives a letter of notification.
• Citizens who perform military service can exercise their right to life security through the registration process for their entire life status:
• for the addition of vitality in the secondary market under the outpost;

to add living space to the mortgage project and pay with accumulated cash for the first deposit and subsequent credit payments;

for participation in the shareholder's future living quarters.

The military serviceman, who has completed the CJZ, becomes the owner of inviolability, who buys, remains in custody at the creditor and the state until the end of the agreement.

1. Participants in the system, as well as anyone else, can download a number of documents presented on the official website of the military mortgage and necessary for the purchase of a property.
2. The military servicemen, who want to vikorize the whole life of the NIS and add vital integrity, need to prepare the necessary documents and create the necessary deadlines:
3. Loan amount.
4. Consider the choice of living space and evaluate the quality of the living area.
5. Apply for a loan using the “Viyskova Mortgage NIS” program.
6. Select a variety of insurance services - life and hearing loss insurance, what you buy, life and health insurance.
7. Conclude a purchase and sale agreement with the Lord of Indestructibility.
8. The collected documents should be sent to the Federal Housing Security Mortgage Service for the re-insurance of funds for the participants.

Possibility of Russian military mortgage

The following credit products are available to everyone included in the Register of Accumulative Mortgage System of Housing Security:

• Mortgage for the secondary market, which includes both apartments and private houses land plots;
• the bathhouse is located in the novobudovs and booths that are in the process of being built;
• lending to rakhunok vlasnyh koshtiv of the military contractor;
• purposeful positions to brighten living minds.

The partners of the military savings and mortgage system are the financial and credit institutions of the Russian Federation, the main one being Oschadbank, whose official website provides information about mortgage programs for NIS participants.

The official website of the Military Mortgage provides system participants with a wide selection of non-impaired objects in 2014, including residential premises from the residential mortgage corporation, joint stock partnership Peresvit-Invest, Morton and Leader companies.

Insurance services are presented by the insurance companies in their area:

• Alpha Insurance,
• SOGAZ,
• Rosderzhstrakh,
• VTB insurance,
• Uralsib,
• National Insurance Company,
• Energogarant.

Navigation for website contributors

FDKU "Rosvoenepoteka" continues its activities throughout the entire territory Russian Federation The company's branches are represented in various regions of the country. The company exercises control over the implementation of the project for the welfare of serving citizens. In the Management of Rosvoynepoteka - work schedule like others

sovereign regulations

: Mon-Thu 9:00-18:00, Fri 9:00-16:45.

• To identify the correct one, you can find a list of files on your website.
• The official website of the company allows traders to:
• become familiar with the savings-mortgage system,

learn the nuances of its functioning,

Please check the rules of participation before joining.

As a result, the site may be able to quickly discover news about military mortgages, ask representatives of the federal government what to report on them, and read articles that correspond to the topics i.

In order to ensure the successful functioning of the military's housing security system, the servicemen rejected the possibility of adding security to the government without investing special financial costs.

The large accumulated deposits of NIS participants are indexed to adjust for inflation and, in addition, the accumulated deposits take part in investment activity, which brings a large increase to the amount to the rakhunku.

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Today’s report we will talk about the accumulative mortgage system of living security for military servicemen, as accumulative mortgages for military servicemen help them realize their right to live in the state.

The savings-mortgage system for military servicemen was created with one main goal - to help military servicemen and their families live more comfortably with the help of mortgages on their minds.

• Let's look at the report on the specifics of the implementation of government programs with the participation of NIS.
• Following the instructions of the President of the Russian Federation with the method of realizing the rights to power, the accumulative mortgage system (NIS) was broken up and began its work for additional mortgages for military servicemen.
• For which the Federal State Institution “Rosvoyenіpoteka” was created, its main functions are:
• posting on the official website all necessary information for the population;
• registration of documents and certificates;
• maintaining the register of participants;

the appearance of the ears has accumulated on the shelves;

1. implementation of inputs, investments from the withdrawal of funds from military services;
2. Other functions transferred by law.
3. All functioning of the savings and mortgage system is regulated by the following regulations:
4. Federal Law No. 117 "About NIS of life security of military services" dated 08/20/2004.

Civil Code of the Russian Federation.

The essence of the NIS lies in the thousands of subsidies from the federal budget for the personal accounts of military service members participating in the system from the moment of registration/cancellation of the confirming certificate. Excess of skin cells is indicated zagalnym term

share and the inserted value.

You can only use the money you have accumulated on your account within 3 days from the moment you are due to pay off the initial mortgage deposit or repay part of the ongoing debt under the loan agreement.

The World Mortgage allows NIS participants to buy an apartment or settle in both the primary and secondary markets.

The addition of a land plot with the method of further everyday life behind this program is fenced off.

• How to register with NIS
• To become a member of the NIS, the military service worker is guilty of complying with the provisions of 117-FZ to categories of military personnel who have the right to withdraw military mortgages.
• The following categories include:

military servicemen with officer rank, who signed their first contract for service with the Legislative Assembly of the Russian Federation after 2005;

• warrant officers, midshipmen and petty officers with a trivial contract for 3 years;
• soldiers, sailors, sergeants with a repeat contract, we will lay down the beginning of the implementation of state programs.

The registration procedure itself in NIS can be done in two ways: automatically (the register and lists of military service members-participants are formed even before the initial deposits and at the time of placing the service contract without the participation of the military serviceman himself); With the help of an additional application (military services, as a result of federal legislation, they can, with a powerful initiative, submit a report to their immediate superiors for becoming a participant in NIS and then cancel their mortgage ).

If the result is positive, the applicant will be included in the register and receive a confirmation certificate.

After this, the Rosvoenіpoteka assigns the military unit a unique

The legislation immediately establishes the size of the contribution from NIS, which will be transferred to the military service for his personal account.

Reinventing is carried out by dividing the sum into 12 parts - that is, per calendar month.

1. In 2017, the expected contribution to the savings-mortgage system will be 260 thousand rubles.

This amount contributes to the rapid indexation and adjustment to the inflation rate, and will remain unchanged from 2016 onwards. This is due to the unfavorable economic situation in the region. After the three fates of participation in the NIS, if there is already enough money for the account, the military service member will be able to withdraw these funds for registration of the entire living position for the benefit program “Military Mortgage”. In a simplified form, the process of implementing the NIS program looks like this: Vibir lived

1. Military service members have been granted the right since 2016

independent choice

1. object of indestructibility that is bathed, including the area of ​​the place or

At the same time, the NIS participant will be required to submit to the bank a minimum set of documents, which includes a Russian passport, an application form and documents for the inviolability of what is being purchased.

1. Banks can additionally obtain a certificate about the account, SNILS, the benefit of a person/friend for a loan and transfer of life at the outpost.

Before the secondary infirmity, it will be necessary to submit a professional assessment of the object (the assessment is carried out for the moisture level of the military service).

1. Submitting an application to the Credit Committee and assessing the residual decision

Like any other mortgage application, an application for a residential mortgage will take at least 5-7 days to process, as careful verification of the documents required to ensure consistency and security is required.

1. The maximum validity of the decision does not exceed 14 working days.

After this, the remaining decision must be immediately voiced by the client.

1. Compliance with the purchase and sale agreement

Since the bank has made a positive decision on the value of the potential buyer, the next stage will be the establishment of a trilateral purchase and sale agreement between the buyer (NIC participant), the seller and Rossvoyenipoteka.

Since the monthly payment from the state budget is due for servicing the mortgage, the military service should not pay the same amount of money.

If not, then the part that was lost will be paid for by him himself.

The agreement also allows you to pay off the debt before the due date in full and private terms.

• Pros and cons of the savings-mortgage system
• NIS, as a world of support that has achieved its effectiveness, has no obvious advantages.
• Among them:
• the ability to quit living practically immediately after entering the service, without waiting for the end of service and retirement;
• allowed participation in the program to testify for the evidence of a powerful life in the military and his family; the zeal of short-lived officers in all ranks and the title of military service, without any discrimination; the possibility of independent choice of non-rumicity (region, area, plan, surface, etc.);
• preferential lending (reduced) interest rate) that is loyally placed before the bosses;

feasibility

• pre-line repayment obstruction. There are also some disadvantages:
• obmezhennya
• maximum amount
• (Up to 2.8 million rubles);

the need to pay taxes to pay for additional expenses (about the assessment, purchase of an insurance policy);

bureaucracy and lengthiness of terms from the side of the authorities;

Disabling it from the registry will allow you to return all accumulated amounts at once. In general, participation in the hoarding-mortgage system is an effective material form of assistance to military servicemen with their families, which does not drain the vein of wealth. This is a good alternative to the previously stagnant program of providing such a category of citizens with a ready-made life, which did not depend on the comfort and good minds of living.

More details about how savings mortgages function in various banks can be found in a special post.