“Far Eastern mortgage”
Any Russian can take advantage of preferential terms under this program, however, it is possible to buy housing only in the Far Eastern Federal District. The rate will be only 2% per annum, but there is many conditions, including age groups. But the age restrictions do not apply to the owners of the Far Eastern hectares.
The program disseminate for secondary housing in single-industry towns, on the territory of the Far Eastern Federal District (FEFD). As the necessity explains, it is almost impossible to buy an apartment on the primary market for the majority of single-industry cities of the Far Eastern Federal District, and, therefore, get a cheap housing loan provided for by the program. The decree of October 18 will solve this problem.
This program operates throughout the country. The preferential rate – it remains for the entire term of the mortgage – is subsidized by the state for banks. Initially, the loan was to be issued in the period from April 17, 2020 to July 1, 2021 at a rate of 6.5%. As noted earlier, Chairman of the State Duma Viacheslav Volodin
Chairman of the State Duma of the Federal Assembly of the Russian Federation of the eighth convocation. Elected from electoral district No. 163 (Saratov – Saratov region)
, due to the mortgage benefit program, more than two million people have improved their living conditions.
It was decided to extend the program until July 1, 2022. The rate is 7%. More details – here…
Resolution On October 18, the government will open the opportunity for lending to citizens wishing to buy or build a private house at a rate of 7%. You can get a cheap loan until the end of the preferential mortgage program – that is, until July 1, 2022.
According to the Government, this will make it possible to issue about 15 thousand loans for the purchase and construction of private houses, and the total amount of loans will exceed 30 billion rubles.
Program operates throughout the country, but there are special conditions in the Far Eastern Federal District. Since January 1, 2018, the second child or subsequent children have been born. The program allows you to get a mortgage loan for the purchase of residential premises at a preferential rate of up to 6% for a period of up to 30 years.
Decree of the Government of the Russian Federation from April 14 the conditions of the “Family Mortgage” program were expanded. Now loans at a preferential rate of up to 6% per annum can be obtained not only for the purchase of finished housing, but also for the construction of a private house and the acquisition of a land plot. Receive a preferential mortgage for a family in which a second or subsequent child was born from January 1, 2018. Loans under the program are also available to families with one child if they have a disability. A prerequisite is to build a house for a company or individual entrepreneurs under a work contract. The initial payment will be 15% of the cost of the plot and the price of building a house under a contract, or only the price of building a house, if the borrower already has a land plot.
For those wishing to buy an apartment in rural areas throughout the country, there is a program with a preferential rate of up to 3%. The initial payment must be at least 10% of the cost of the purchased property. Program allows you to buy ready-made housing under a sale and purchase agreement or an apartment in a building under construction under an agreement for participation in shared construction, as well as a land plot for individual housing construction.
Building a house at 6.1%
The program does not work throughout the country. The land plot can be located in any region of Russia, with the exception of North Ossetia-Alania, Kabardino-Balkaria, Ingushetia, Adygea, Kalmykia, Dagestan, Karachay-Cherkessia, the Chechen Republic. Those Russians who will be from 21 to 65 years old at the date of loan repayment will use the program. There are a number of other conditions, you can familiarize yourself with link…
For military personnel
The program was launched in 2005. It is regulated by No. 117 FZ from 2004. Military mortgages are given for a period of one to 20 years. At the same time, the military is obliged to pay off it before he turns 45 years old. Supervises the program Rosvoenipoteka, all conditions can be viewed on their website…
The operator of the remaining preferential mortgage programs is a state-owned company DOM.RF…