the news of Alina Ivanova found out in a day after the test showed them with her husband Denis and two cherished stripes. “At the beginning of September is born our son and we will begin the design of the mortgage. We will take an apartment in his native Pushkino, not far from the parents,” says Alina.
And like Ivanov, this year in Moscow will be 500 families. That’s how much preferential mortgages are going to give the regional authorities. Registration began on 1 June, to join the residents of the area can at any time.
let me Remind you of the conditions. Mortgage “minus three percent” is intended for families from 1 January 2020 first child was born. Mandatory conditions for participation in this program are the presence of Russian citizenship by both parents, and permanent registration in the Moscow region – at least one.
In the suburbs must be born and registered and the toddler and select the accommodation can only be in the new building. Also in future the new settlers should not be owned by other housing. Share in the parents ‘ apartment to have, but it should not exceed sinarm.
“And another very important caveat – regional preferential mortgage cannot be combined with preferences for Federal mortgage program”, – said the Minister of housing policy of the Moscow region Inna Fedotova. That is not to add or minus three percent at the regional program for the reduced rate of 6 per cent, which issue mortgage loans to families with two children. To minyobates suburban three percent will be from Bank base rate.
But stressed Fedotov, preferential regional mortgage, you can refinance your current mortgage loan. Suppose you have a young family already have a mortgage under 9 percent. But if this family had recently had a baby, she will be able to benefit from the regional programme and reduce the percentage by three points. These three points will help it to save on the mortgage payments of about 1.5 million rubles.
the Partner region in this program is the Bank BUILDING.Of the Russian Federation. As explained “RG” the Director of the mortgage business of the Bank Igor Larin, final interest rate depends on a number of reasons, including from the initial fee. In the end, the minimum percentage may reach 3.1 percent. “Support for families with children and increasing the availability of mortgages for them is one of our priorities. A running program will provide the suburban families with assistance in improving housing conditions. At the moment, subsidies to mortgage rates there are 22 regions in the near future run them in 10”, – said the Larin.
to Apply for a preferential mortgage residents of suburbs can register a personal account on the regional geoportal: rgis.mosreg.ru. The term of consideration of applications – from three to ten days.
While power�� say that the program will last three years. During this time, the owners of attractive mortgage will be 1.5 thousand families. But, as practice shows, good programs usually have the extension.
In the suburbs there is still one mortgage program that is very popular among the population. It is a social mortgage that can get doctors, teachers and young scientists. The program operates in 2016 and during this time the region issued more than 1.6 thousand certificates to receive social mortgage. “Almost 1,000 of them went to the doctors, 400 young scholars, more than 200 teachers”, lists of Inna Fedotova. Moreover, the number of educators include not only teachers, but the kindergarten teachers and sports coaches.
the conditions of a social mortgage is more than interesting. The first payment for the acquirer pays housing area. It is the same for 10 years and extinguishes the body of the loan. To the newcomer is to pay only the interest. To choose housing in any municipality. The borrower should not be older than 45 years – still expect at least 10 years of full work, and have a specialty in demand in the suburbs. For example, physicians are internists, pediatricians, anesthesiologists-resuscitators, surgeons, obstetricians, trauma surgeons, paramedics, psychiatrists. Teachers – English language teachers and computer science, scientists – those who work with biotechnology, pharmaceutical, industry of nanosystems.
By the way, the first person in 2016 has bought in Moscow apartment at a discounted mortgage, became candidate of biological Sciences, head of laboratory of the Moscow agricultural research Institute “Nemchinovka” nail Gainullin. He is engaged in the search for genes of resistance to brittle stalk of wheat – invents a sort of grain, which, if consistently high yields to be more stable to low temperatures, and dangerous diseases. The scientist got a one-bedroom apartment with an area of 48 square meters in the Odintsovo district of the Moscow region. “Picked up housing so that it is close to work,” says nail, adding that his apartment has very comfortable layout, which allowed us to allocate space even for the work area. And now scientist can not break away from work activities and on weekends. By the way, the original mortgage payment from the family amounted to 24 thousand rubles, and now down to 18. For the money in Odintsovo will not be removed, and an inferior one.
Initially, the social mortgage program was introduced for three years, but every year it is extended – so it turned out to be popular among specialists. In 2020, says Inna Fedotova, will be issued 365 certificates. They will get 110 teachers, 100 scholars and 155 health professionals. And for the last time the certificate is automatically extended. “The doctors is not the easiest job. We understand that manyx neither the strength nor the time for the selection of housing and registration of documents”, – said the Minister Realpolitik.
Read the terms of the social mortgage and a list of the necessary for registration documents on the Ministry’s website: minzhil.mosreg.ru.
In the state Duma introduced a bill according to which the paramedics first line managers and doctors “first aid” will be able to get the property for housing. This bill is very important for the Moscow region, where a lot of such housing. According to the Moscow regional Duma, during the last five years health workers in the region were allocated to different conditions 2267 apartments and rooms in hostels. In this case, said the Chairman of the Duma Committee on health, labour and social policy Andrey Golubev, doctors need to see the future when service housing may be in their property. The new bill spelled out the possibility to privatize housing after 10 years of working in the same hospital.
