The profession of a teacher in Russia somehow faded into the shadows. That nationwide respect that she enjoyed in the USSR is not observed today. Did the status of the profession go down along with the salary, or was it the low incomes that caused the downgrading?

For poor Russian teachers today, it is especially difficult to solve the housing problem. Only a mortgage can help in this, but banks tacitly classify them as a risk group, they are reluctant to issue loans and not on the best terms.

This is understandable: the salary is low, solvency is doubtful, and it is difficult to maintain it for many years, during which the mortgage is paid.

It is impossible to do without the help of the state, and it really has taken a number of actions, creating benefits for teachers in solving problems with housing.

There is a set of state programs designed for those segments of the population who are not able to independently improve their living conditions.

Such programs operate both at the federal level and at the regional level. At the same time, the state attracts banks to subsidize mortgages on terms that are more acceptable to borrowers.

In many regions of the Russian Federation, state programs are supported by local projects at the level of the region, region or city.

As a result, teachers receive mortgages with reduced interest rates, sometimes they manage to reduce the cost of housing at the expense of budgetary funds, AHML resources, and banks also give up a little profit.

Social mortgage conditions

It is implemented in several directions, and everyone can choose the most suitable:

• the bank issues a loan on terms that take into account the interests of the borrower as much as possible;
• the state buys apartments from developers and sells them at cost;
• the bank provides a subsidy for making a down payment or for paying off interest.

Teachers can access social mortgages in the following cases:

• if they do not have their own living space and rent an apartment or live in a communal apartment;
• if the family shares living space with parents or other close relatives;
• if the housing does not meet the necessary requirements, it is too cramped, that is, less than 14 square meters per family member. m.

It must be remembered that a teacher, having received a preferential loan, is obliged to work in the field of education for a specified period, otherwise he will have to part with the entire amount or part of it.

Preferential mortgages in the Russian Federation have their own history. There were many attempts, and some of them were successful.

This government social project, suspended today, was the only one in the Russian Federation that had a minimum number of restrictions. Even the average monthly earnings did not play a role here, but other parameters mattered.

Due to the fact that budgetary funds are involved here, the selection of teachers who could qualify for preferential mortgages was strengthened. The requirements are:

1. Age no more than 35 years.
2. The applicant lives in a particular region permanently, is a citizen of the Russian Federation.
3. Works in an educational institution, state or municipal, and is in line for housing for better conditions.
4. Works in the field of education for at least 3 years, has no penalties in the service, can provide positive references and recommendations from superiors.
5. Has a satisfactory solvency.
6. Able to make a down payment of 10-30% of the cost of housing.

If all conditions are met, then the bank approves the mortgage and sets the minimum interest rate: 8.5% for purchases in the secondary market, and 10.5% for the primary market.

The government social project Mortgage for Young Teachers was launched in 2011. Many managed to take advantage of this program, but, unfortunately, in 2015 it was suspended.

The government considered that the welfare of teachers in Russia has improved so much that they are able to pay the mortgage themselves and no longer need benefits. The agreements that were concluded earlier are being implemented, but there are no more new ones.

Then there were affiliated socially-oriented housing programs for teachers, operating in many regions of the Russian Federation.

This is a government mortgage loan program designed specifically for educators. It functions with the light hand of the president and is engaged in the construction of cooperative housing.

Due to the fact that federal lands are provided to developers free of charge, housing becomes cheaper by 35%, and it is much easier to pay off a mortgage. Moreover, the government undertook to pay from the budget for the laying of communications and the construction of engineering systems.

For program participants, the down payment is reduced to 10% of the cost of housing. Those teachers who are waiting in line, waiting for better living conditions, the local authorities undertook to help get a loan.

Locally, they are interested in avoiding a shortage of teachers, and the federal leadership is seeking assistance in this matter.

"Teacher's House"

This program is regional, within its framework, during the construction of a new school, housing for teachers is also being built along the way. Families will be accommodated here, in apartments, cottages or apartments, and will live all the time that the teacher works at this school.

Local leaders, having a housing fund, will no longer lack teachers: if the current teacher leaves, then another one can be invited to the vacant apartment.

The federal housing program for young teachers was suspended in 2017, which is why it does not work at Sberbank today either.

Sberbank, as you know, is the first to respond to government initiatives regarding mixed programs, banking and government, within the framework of one project.

Since one program has been suspended, a similar one, the so-called "social mortgage", is working on the vacated field. Its terms are not as attractive as those of the former, now frozen, but still they are more acceptable to the borrower.

There are no special preferential projects for teachers in Sberbank; they can use social mortgages on a general basis.

Since teachers' salaries are low, they have the opportunity to improve credit conditions by providing information about additional income, or to use the help of co-borrowers and guarantors.

Forecast for 2018

The main source of teachers' well-being is salary. In 2018, they promise to increase it by 1.5 times - this follows from the presidential decrees. In general, university teachers are promised a threefold increase, based on the overall performance of the region.

Much is expected from such a step, and above all, the mass attraction of young specialists to schools.

If you look from the state point of view, it is unprofitable to keep teachers on starvation rations, it will cost more.

After all, it is teachers who shape the personality of the future citizen and ensure the education of the population. That is, they work directly for the state, solve problems that determine its future fate.

So it is necessary not to suspend, but to increase the number of preferential mortgage programs for teachers, to increase the variety of social projects. Teachers themselves hope for this, they expect that it will be easier for them to solve the housing problem in the new financial conditions.

Mortgage for teachers is a social program designed to support professionals working in public educational institutions.

There are differences between a regular mortgage and a teacher's mortgage, which is worth talking about.

Mortgage conditions for teachers

This area of ​​housing lending differs from the usual one such features as:

• you can buy an apartment or a house in an already built form, including in the secondary housing market. The interest rate under the agreement will be 8.5%;
• you can start building your own house or purchase a share in a multi-storey building just under construction at 10.5% per annum;
• the maximum term for teachers can be 30 years;
• the borrower can make a down payment of up to 30% (minimum 10%);
• if the borrower does not want to insure his loan, he may not do so.

The requirements for obtaining a mortgage for teachers are small:

1. The applicant for a mortgage must be a citizen of the Russian Federation;
2. The teacher needs to work in an educational institution in the relevant specialty for at least three years;
3. Applicant must not be over 35 years of age.

It is important to note that only those who work in a state or municipal educational institution can count on a teacher to receive a mortgage on favorable terms.

If the teacher previously worked in one, but at the moment he has transferred to a private institution, you should not count on a mortgage.

As for the three-year experience, it is not taken in aggregate.

So, if a citizen has worked for more than three years, for example, in a state school, and now he has moved to a private organization, when he returns to a state educational institution, his experience is resumed from the very beginning.

How the Bank Evaluates Teachers for Mortgages

They are presented on the basis of the compliance of his financial situation with the ability to pay the debt:

• first of all, the level of income for mortgages to teachers is studied. It is confirmed by a certificate in the appropriate form from the place of work of the teacher. If he has other incomes, they can be indicated, but this does not play a big role. When making a decision on issuing a loan, financial institutions evaluate all other additional sources of funds as non-permanent. If the teacher rents out an apartment or garage, this can be indicated. However, you will have to confirm such data with a lease agreement, as well as an extract from the tax office stating that taxes have been paid. A similar situation awaits with a teacher's part-time job: if after the lessons the teacher is engaged in the provision of paid additional services, this activity should be taxed, otherwise it cannot be indicated in the application to the bank;
• it is important that the amount of payments that will be made every month does not exceed 45% of the teacher's salary. You can take a mortgage for teachers for several people, for example, a husband and wife, then you can count 45% of the total salary. Moreover, it is not at all necessary that both family members be teachers. One is drawn up, the main borrower, and the second, as a co-creditor. In this case, it is theoretically possible, but in practice such a direction is rarely encountered;
• banks require a mandatory down payment. It should not be less than 10% for teachers;
• co-borrowers are allowed in the amount of not more than four people;
• if both spouses in the family are teachers, they can apply for a mortgage for only one person at a time.

Documents for a mortgage for teachers

A preferential mortgage for teachers can be issued by submitting the following package of documents to a banking institution:

• the passport;
• tax number;
• salary certificate;
• work book (you will need to leave a copy in the bank);
• employment contract, if there are other sources of income;
• military ID;
• a statement about the need to take housing in a mortgage to a teacher;
• marriage certificate, birth certificate and other documents, the list of which may vary depending on each specific case.

When issued for teachers, the list of documents is similar.

Teachers paying off mortgages

It was mentioned above that the teacher has the right to refuse insurance of his loan, but this option does not work for everyone.

When making a third part of the total cost of an apartment or house as a down payment, you can claim no insurance payments. On the one hand, it is difficult to accumulate 30%, but on the other hand, the amount of insurance is tangible and allows you to save significantly.

In addition, if the teacher does not have money for the down payment of the mortgage at all, you can resort to using the so-called maternity capital.

Another option is to pay the down payment on the teacher's mortgage, but getting it can be problematic.

Subsidies are compensated by the state from the federal budget, so the decision will be made by state governments when assessing the condition of a particular teacher.

Mortgages for young teachersis a great chance for young professionals to acquire their own comfortable housing. But how is the Young Teacher Mortgage different from other mortgage programs? What are the features of obtaining such a loan and what you need to know in order not to get into a mess? Let's try to understand these issues together.

Mortgage for teachers

Until 2015, the Government Decree “On the procedure for providing and distributing subsidies ... in connection with the provision of a mortgage loan (loan) to teachers of general education institutions” dated December 29, 2011 No. 1177 was in force, which established the right of young teachers to a subsidy in order to purchase housing or contribute to a shared building. However, even after its abolition, teachers in some cases may qualify for preferential mortgage lending conditions, in particular:

• with participation in some state programs, for example, "Sustainable development of rural areas for 2014-2017 and for the period up to 2020", approved. Decree of the Government of the Russian Federation of July 15, 2013 No. 598, which provides for assistance to young professionals in settling in rural areas;
• in providing assistance to teachers at the regional level; for example, in the Bryansk region it is established by the Regulations on the procedure for granting subsidies to young teachers, approved. Decree of the government of the Bryansk region of April 22, 2014 No. 171-p;
• when granting preferential conditions by credit institutions within the framework of internal programs.

Who can get a mortgage under these Young Teacher Assistance Programs? In fact, there are usually not too many requirements for borrowers, and most of the young teachers meet them:

Don't know your rights?

1. They have a mortgage loan.
2. Recipients are young teachers under the age of 35 who have worked for at least a year in their specialty.

It is important to note that you can usually get a mortgage loan for teachers only if the teacher works in a state or municipal educational institution that provides education in programs: primary, basic general or complete general education. We emphasize that at the time of applying for a mortgage under such conditions, a person must work in an educational institution, that is, the previous experience is not taken into account.

How does a bank evaluate a potential borrower?

In order to be eligible for a Young Teacher Mortgage, you must meet a number of requirements:

1. The income taken into account when deciding on the execution of a loan agreement must be confirmed by a certificate in the form 2-NDFL. Any other income of citizens is considered as an additional non-permanent income that does not have a special impact on the financial condition of the borrower. Here it should be said that not only wages, but also other types of income can be indicated as income. An example of such additional income would be the receipt of funds from the rental of property (for example, a garage). However, do not forget that in order to confirm such income, you will need not only a concluded lease agreement, but also information from the tax service on the proper payment of income tax;
2. Credit organizations assess the solvency of teachers. For example, there may be a rule that a loan is provided only if the loan payment does not exceed 45% of the total amount of the confirmed income of a citizen, or the total confirmed income of several citizens acting as co-borrowers (for example, spouses);
3. The possibility of granting a loan only on the condition of making a down payment. At the same time, the minimum contribution is usually 20% of the total cost of the acquired residential premises;

Mortgage for young teachers in 2017-2018

Previously, it was possible to clearly define what conditions distinguish the mortgage for young teachers:

1. The interest rate on such a loan is 8.5% - for those borrowers who purchase ready-made residential premises in an apartment building or an individual house as part of a well-maintained building education and 10.5% per annum for persons wishing to purchase housing in a house under construction, build a residential building on your own or buy an individual house under construction.
2. The down payment on the loan ranges from 10 to 30%, while the amount of the initially paid amount depends solely on the desire and capabilities of the borrower.
3. The possibility of exempting the borrower from compulsory credit insurance.
4. The maximum loan term is 30 years.

For 2017-2018, specific conditions depend on the program in which the teacher participates. If he does not have options for participating in preferential lending, a mortgage is concluded on a general basis.

Documents required for obtaining a mortgage

To apply for a mortgage, you will need to contact the bank and provide the following set of documents:

1. Personal documents (documents confirming your identity): passport of a citizen of the Russian Federation, pension certificate (SNILS), certificate of registration with the tax authority at the place of residence (TIN), documents confirming registration at the place of residence (if the information is not in the passport);
2. Employment documents: a copy of the work book, a certificate in the form 2-NDFL, and if you work in parallel somewhere part-time, you must provide an employment contract confirming this fact and a certificate 2-NDFL;
3. For men, it is mandatory to provide a military ID;
4. Application (questionnaire) of a potential borrower, issued at the bank;
5. Documents confirming the borrower's marital status: marriage (divorce) certificate, child's birth certificate, maternity capital certificate, etc.;
6. Other documents, depending on the specifics of the particular case and the selected credit institution.

Important information

1. As mentioned above, the down payment usually ranges from 10 to 30%. The terms of the mortgage may provide for the possibility of obtaining an additional benefit in the form of exemption from compulsory loan insurance for those persons who have made 30% of the cost of the chosen dwelling as a down payment. It must be said that the amount that can be "winn" in this way for the total term of the loan is quite tangible, especially considering that the average period of mortgage lending is from 10 to 15 years, and sometimes more. And the borrower will have to pay insurance during the entire period of insurance.
2. If you do not have funds for the initial contribution (accumulated earlier), then you can use the maternity (family) capital or the amount of the subsidy due to you as a young teacher. Subsidies are one of the types of state social support, which consists in the allocation of a certain amount of money, acting as compensation for part of the cost of property acquired on a mortgage. It is important to say that the maximum amount of the subsidy cannot exceed 20% of the property value. The amount of the subsidy is not determined by a fixed amount due to existing differences between regions, in particular, the amount of the subsidy directly depends on the norm of the area of ​​​​the premises provided for each family member.
3. The loan must be repaid before you reach retirement age. That is, the last payment must occur before the age of 55 for women and 60 for men.
4. It should be noted that loans to young teachers under state programs are carried out through the AHML company (OJSC Agency for Housing Mortgage Lending). This agency concludes agreements with the largest banks in the regions that provide loans to citizens, which allows people to receive assistance from the state. For this reason, before going for a mortgage, make sure that the selected bank cooperates with AHML.

How does this happen? First, the bank (cooperating with AHML) checks the solvency of a potential borrower, collects a complete set of necessary documents, after which a mortgage lending agreement and a residential purchase agreement are concluded. Next, the bank must refinance the issued loan in AHML, and the borrower continues to service his loan already on the established terms in AHML.

1. The use of the state program developed for young teachers does not deprive citizens of the right to be simultaneously participants in other state, regional or municipal programs. So, for example, the teacher retains the right to use maternity capital for the intended purpose, to receive regional funds allocated for the birth of a third child in the family, as well as other social support measures received.
2. The general conditions and consequences of concluding a mortgage loan for young teachers and under general conditions are the same, including with regard to the transfer of rights. Until the full repayment of the mortgage loan, the disposal of property (exchange, sale, donation) is possible only with the consent of the creditor, and the guarantee of the fulfillment of this condition is the imposition of an encumbrance on the indicated residential square meters. The encumbrance will be removed only after the relevant application is submitted to the Rosreestr authorities with the submission of a certificate from the bank on repayment of the debt and registration of ownership.

Documents submitted for consideration by AHML

In order to take advantage of the developed state program, a young teacher must obtain approval from the Agency. To do this, you need to follow the following algorithm of actions:

1. Leave an electronic application for a loan on the official website of AHML (fill out the form);
2. Find a lender cooperating with AHML, who is ready to lend you the necessary amount to purchase the selected residential property;
3. Collect a set of documents necessary for the bank to conclude a mortgage agreement (an indicative list is indicated above) and submit them for consideration to a financial institution;
4. Formation of a package of documents for the acquired residential premises, conclusion of an agreement with an independent expert organization on the examination of the object;
5. After receiving a positive decision from the credit institution, it is necessary to determine the date of the planned conclusion of transactions. There will be two transactions: one will conclude a contract for the sale of an apartment, and the other - a mortgage transaction;
6. If the initial installment paid by you under the loan agreement is less than 30%, then the necessary condition will be the conclusion of an insurance agreement for the issued loan;
7. Final steps: registration of the act of acceptance and transfer of housing, transfer of the entire amount of credit funds to the borrower's account, registration of ownership of the property and mortgage with Rosreest.

Since 2011, the state has been providing subsidies for the purchase of housing to teachers and graduate students of universities. Similarly, the authorities are helping to improve the living conditions of educators.

Let's discuss in more detail the program that can solve the housing problems of young teachers.

Who can apply for a subsidy

The state program of preferential mortgage lending and its subsidiary subprograms differ from other housing loans in more favorable conditions. At the same time, too many requirements are not imposed on borrowers, and the package of documents remains the standard list of certificates required for obtaining a conventional mortgage.

Today, subprograms of mortgage lending for novice teachers are involved in the constituent entities of the Russian Federation. Among them are the "House for the teacher", "Mortgage for young teachers" or "Social mortgage".

Most of the programs are created with the assistance of the Agency for Housing Mortgage Lending, which also provides information support to interested state employees.

As AHML specialists explain, social and financial assistance to a teacher can be provided in the following forms:

• The right to receive a subsidy for the payment of part of the housing for young teachers with mortgage loans already issued (up to 40% of the cost).
• Receiving a subsidy to pay the down payment on the purchase of housing.
• Making loans on favorable terms.
• Purchase of housing at cost (due to the purchase of housing from the developer and the subsequent transfer of the apartment or house to the state housing stock).

Benefits schemes, subsidy amounts and requirements for program participants are determined at the regional level by local authorities. This feature of the social mortgage is due to objective factors - the cost per square meter in the region, the subsistence minimum, the level of need for housing specialists and other prevailing conditions.

Bank conditions

The implementation of the preferential mortgage program attracts young teachers no less than the chance to receive a subsidy.

Mortgage loan conditions provided by banks are favorable compared to other lending programs:

1. The interest rate on the loan does not exceed the threshold of 8.5% for housing on the secondary market (ready housing in an apartment building), or the threshold of 10.5% for housing on the primary market (in a house being prepared for commissioning)
2. The interest rate on a loan for the construction or purchase of a residential building does not exceed the threshold of 10.5%
3. The amount of the down payment is from 10 to 30% of the cost of the purchased housing. The borrower independently determines the threshold for the deposited amount, focusing on their own wishes and financial capabilities
4. The future borrower has the opportunity to refuse to participate in insurance contracts.
5. When calculating the available loan amount, it is possible to include up to 4 co-borrowers (including the teacher himself)
6. Mortgages are provided for up to 30 years.

When determining the solvency of a future candidate, only a 2-NDFL certificate and official salary are accepted for consideration. But if the teacher has additional income, they will also be taken into account.

Requirements for the borrower

In order to receive a subsidy for the purchase of housing on a mortgage, teachers must meet a number of requirements put forward by the Ministry of Education and Science of the Russian Federation:

• The age of the young specialist does not exceed 35 years.
• The teacher has the citizenship of the Russian Federation. The fact of permanent residence in the region of application is checked.
• The citizen is registered in the queue for the improvement of housing conditions.
• The minimum work experience is 3 years.
• The teacher has recommendations and positive references from the head.
• The teacher was not subjected to penalties related to non-fulfillment of official duties.
• The future borrower of the bank is recognized as solvent. The amount of the monthly mortgage payment does not exceed 45% of the salary.
• The deposit complies with the conditions of the bank (only accredited properties and developers are allowed when buying a primary home, when buying a secondary home there are requirements for the physical condition of the house, etc.).

When determining the candidates for the "Mortgage for Teachers" program participants, preference is given to the most sought-after specialists - those who are ready to work in villages and villages.

You can get a mortgage loan for teachers only if the teacher works in a state or municipal educational institution that provides training in programs: primary, basic general or complete general education.

At the time of applying for a mortgage, the teacher must work in an educational institution. Previous experience is not taken into account.

Documents for participation in the program

To apply for a mortgage, you will need to collect the following documents:

From the borrower:

• Identity documents (passport of the Russian Federation, SNILS, TIN, driver's license).
• Registration documents (if this information is not in the passport).
• Employment certificates (certified extract from the work book, employment contract).
• Documents confirming the level of income (required - certificate 2 - personal income tax, if there is an additional place of work or sources of income - statements from personal accounts, bank statements, certificates in the form of an employer, etc.).
• Certificates of marital status (certificate of marriage/dissolution of marriage, birth certificates of children/children).
• Men must provide a military ID.
• Since the spouse of the applicant is required to participate in the mortgage as a co-borrower or guarantor, similar paperwork will be required from them.
• Pledge documents. The list of certificates for mortgaged housing should be clarified with a bank employee, as it varies depending on the type of housing (secondary or primary housing, townhouse, house).

Loan processing procedure

If a young specialist wants to take advantage of mortgage lending, he should follow the following procedure:

• Contact the municipal authorities at the place of residence in order to obtain advice. The fact is that the project is partially financed by the Ministry of Education and Science, and the participation of the region in the program must be agreed and confirmed by an agreement.
• Collect a package of documents and apply for registration in the social mortgage lending program.
• Get a membership certificate.
• Go to a lending institution to apply for a mortgage.

When choosing a bank, relying on your own preferences will not work - the Mortgage Agency does not leave much choice and recommends only one or several partner banks.

Features of a mortgage loan

Getting a loan is not easy.

Even if the future borrower meets the stated requirements, he will have to spend a lot of time collecting the necessary documents.

In order not to waste energy, you should enlist guarantees for the success of the entire event:

• Make sure that the region's budget includes provisions to pay for subsidies. Lack of finance is a common problem, so consultation with an administration specialist is essential. Information about the availability of subsidies is usually posted on the official websites of regional self-government bodies.
• Check credit history. Even if the state is ready to provide a subsidy, and all the documents are ready, the bank will refuse to grant a loan to an unscrupulous borrower.
• Check whether the requirements of the bank to the future borrower and to the collateral are met.

Dear readers!

We describe typical ways to resolve legal issues, but each case is unique and requires individual legal assistance.

For a prompt resolution of your problem, we recommend contacting qualified lawyers of our site.

Last changes

In 2018, banking institutions will continue to provide mortgages to teachers on favorable terms. Thus, for the majority of teachers under the age of 36, it remains possible to receive benefits from the state when applying for a housing loan.

The issue of obtaining subsidies deserves special attention. Funds for co-financing mortgages for teachers are provided only in those regions of the Russian Federation that included the amount of subsidies in budget programs in 2016-2018.

But the absence of subsidies does not at all prohibit participation in the social mortgage program if the young teacher has his own funds to pay the down payment.

In April 2019, a regulation on “mortgage holidays” was approved. According to it, borrowers who find themselves in a difficult life situation will be able to count on a six-month grace period, within which citizens will be able to suspend loan payments or reduce their size.
These rules will apply to people who have lost their jobs, received disability groups 1-2 or lost their breadwinner. Including for already existing credit relations.

Our experts monitor all changes in legislation in order to provide you with reliable information.

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Preferential mortgage for teachers

February 3, 2017, 14:14 May 5, 2019 22:21

Today, for many teachers in Moscow and the Moscow region, the issue of acquiring housing is acute. If you want to do this with the help of state support, then you can use the Social Mortgage program, which is implemented jointly with DOM.RF.

Indeed, teachers are one of the socially unprotected categories of the population, because their average monthly earnings remain relatively low. Despite the fact that the Government of the Russian Federation has undertaken to raise teachers' salaries, it still rarely exceeds 20,000 rubles, while the average mortgage payment is 25,000-29,000 rubles.

In order for the socially unprotected categories of Russians to still be able to afford to improve their living conditions, they will be offered assistance from the state. It is implemented in the form of special programs, when certain citizens are invited to apply for a mortgage loan on preferential terms. At the same time, part of the costs will be covered by the state budget.

Conditions of the "Social mortgage" until 2018

We note right away that each region and subject of the Russian Federation has its own programs, and imposes certain requirements on citizens who want to use this program. It is for this reason that the conditions in force in your city must be clarified with the Administration.

What are the types of state aid:

1. Partial subsidizing of the mortgage interest rate. In other words, the bank assigns you one rate, and the state reduces it by a certain amount. Thus, you reduce your expenses, monthly payment and final overpayment. It is noteworthy that this form of support can be implemented both through state subsidies and through special offers from the bank itself,
2. to pay the down payment or part of the cost of the acquired property. In this case, you receive funds that partially cover your debt. On average, it ranges from 30 to 40% of the estimated cost of housing, the exact amount will depend on the number of family members and the cost of one square in your area,
3. Sale of real estate from the social housing stock. In this case, the price will be preferential, i.e. far below market value. Most often it is offered to employees of various state structures.

It is noteworthy that you cannot choose which form of support you want to receive. The decision in this situation is made by local authorities, which individually select the most optimal solution for each application.

How to take part in the program?

Social mortgage is available to almost all employees of the public sector, state and municipal organizations. The participants here are:

• employees in the public sector - teachers, lecturers, graduate students, researchers,
• young and large families,
• poor citizens, i.e. those who live in conditions that do not meet sanitary standards or are less than 14 square meters per person,
• people living in emergency housing, etc.

In order to take advantage of this offer, you must have Russian citizenship, registration on its territory, a permanent income and official employment. In addition, it is necessary to be registered as a family in need of better housing conditions (you need to contact the local Administration of your district of the city at the place of residence).

Program for the Moscow Region

The purpose of this mortgage offer is to attract young professionals, as well as their support and assistance in solving the housing problem. The state provides certain categories of citizens with monetary compensation:

• 50% of the cost of housing in the form of a down payment on the loan - paid in a lump sum,
• another 50% is paid over 10 years in the form of monthly installments under the mortgage agreement.

It turns out that the borrower pays only the interest accrued on the loan amount, while the state itself pays the first installment and the principal amount of the debt. The amount of the subsidy will depend on the number of family members, as well as on the size of 1 sq.m. in the city where the specialist lives.

What should be done:

1. Contact the relevant ministry of the Moscow region (education, or healthcare, or social development, or investment and innovation), which depends on the scope of the borrower's professional activity.
2. Submit an application for participation in the program and the package of documents established by the ministry. The list can be viewed on the official website at the link sotsipotekamo.rf
3. After the documents are accepted and reviewed, you will receive a written notification of the possibility of participation. With its approval, through DOM.RF partner banks (the former, you can apply for a mortgage loan for primary (at 9.9%) or secondary housing (at 10.25%) on the most favorable terms for 10 years. After that, you can get a mortgage will be in Primsotsbank.

Please note that this preferential mortgage for public sector employees applies both to existing teachers living in the Moscow region, and to those professionals who are just ready to move there. You can find out more on the dom.rf portal or on the website of the Department of City Property of the City of Moscow

Is the Social Mortgage for state employees valid in 2019?

The answer to this question will be unequivocal: it works, but only for doctors, teachers, young scientists, specialists of the military-industrial complex in the Moscow region. For residents of other regions, this program ended in 2017.

What kind of support can be used? It is worth noting that some regions of our country are implementing their own “Preferential regional” housing lending programs for certain categories of citizens. a mortgage will be available for them at a rate of 6.9% per annum for the entire term of the contract.