Advice 1: How to apply for social mortgage in Saratov

Social mortgage is sometimes the only opportunity to obtain their own housing for low-income families. Take advantage of this program can citizens who do not have their space or a family member have no more than 14 square meters.
How to apply for social mortgage in Saratov
You will need
  • - documents: the application form No. 1; copies of identity documents of all family members; the documents confirming structure of a family; a copy of the marriage certificate or its dissolution; the documents confirming the right to extraordinary receiving housing and others;
  • - a signed or executed contract on a mortgage;
  • - matched housing / housing options, appropriate housing standards.
If you and your family fall under the rule of the insufficient number of square metres per capita or total lack thereof, in obtaining a social mortgage you will be reimbursed 50% of the expenses actually incurred on payment of interest on a mortgage loan issued for the purchase of real estate. The loan itself is not kompensiruet.
Collect the required documents-the list is quite long. With their complete list and General information about the social mortgage can be found on the website of the Government of the Saratov region. Go to the website go to "Government", then chain "Structure of the Government of the Saratov region" - "the Ministry of construction and housing and communal services of the Saratov region" - "Mortgage lending". You will be taken to a page where information for citizens participating in the subprogram "Development of mortgage housing crediting".
Please read carefully this information, the entire process of obtaining a social mortgage it is painted in great detail. Take the collected package of documents to the Ministry of construction and housing and communal services at the address: Saratov, Chelyuskintsev St., 114, office. No. 4. Inquiries by phone 8 (8452) 26-59-71. If you have any questions, you can always consult with a specialist Ministry, and you will be given all necessary explanations.
Choose housing that meets housing standards – not less than 14 square meters total area. Remember that with the purchase of this property you have to improve their living conditions, otherwise your family will not receive compensation for social mortgages.
Enclose a contract with the Bank for mortgage lending.
The compensation process is as follows. In accordance with the signed agreement of compensation of interest on mortgages, but also on the basis of information received from credit institutions on payments made, the Ministry of construction will make the transfer specified amount to the participant's personal account of "social mortgage".
After the changes made by the Government of the Saratov region in regulation No. 265-P, the list of persons falling under the "social mortgage" has expanded. Now it can get and the shareholders of housing under construction, and recipients of the parent capital.
Useful advice
The district administrations work Advisory services on mortgages, where not only will answer all questions, but will help to fill necessary documents.

Advice 2: How to get a mortgage poor?

Mortgages for the poor is to provide a mortgage loan of the cash cost of which is paid by the state.
The purpose of this mortgage is the improvement of the living conditions of certain categories of citizens.
How to get a mortgage poor?

The rate of mortgages for the poor is 18 sq. m. of housing per person, if the person is unable to purchase a property using a commercial mortgage.

The mortgage program for the poor, people who are in the queue for the purchase of housing, offers housing at a reduced cost.

In this program can participate budget workers, military personnel and young families.

Social mortgage is divided into several types of state aid:

-Low-interest mortgage at the expense of the state;

-Partial subsidy for the purchase of real estate;

-Provision of a public dwelling mortgage on preferential terms;

-Regional program of social mortgage.

Currently, the most common variantov mortgages for low-income citizens two. Pirst provides for the purchase of housing built at cost, and this means that prices in two or more times below the market. The second option consists in granting subsidies for the purchase of housing mortgage at the market price.

Definitely shows the options that make buying property much more accessible in comparison with market conditions. However, this type of mortgage has its own peculiarities. For example, it is impossible to buy a private house or dwelling on the secondary market. State aid applies only to the purchase of an apartment in a new building.

In addition, before you can obtain a mortgage for the poor citizens, need to prove that it has rights. For this you will need to collect the documents to be submitted to the municipality. For registration of mortgages for the poor have to spend a lot of time and effort. This is because the state can't give property to everyone. In addition, not all borrowers are trustworthy.

Mortgage for young people

The essence of this mortgage is to purchase real estate at cost with the mortgage. Young families with children are eligible to receive a subsidy of up to 40% from cost of an apartment in the mortgage. The subsidy in this case will depend on the age and number of children.

Is the advice useful?