State mortgage support programs from AHML: preferential lending, refinancing rules

The Housing Mortgage Lending Agency is the main component in the development of the housing stock. When implementing this program, the Russian government guarantees to take the emerging risks under its own responsibility. A new scheme is used in which the selected bank issues the required amount of money, and the state buys a mortgage under the AHML program. The money that is used to buy out contracts goes to the state’s balance sheet through the issue of securities. This program attracts the majority of citizens of the Russian Federation and helps strengthen financial relations in terms of credit.

What is AHML Dom.rf

Dom.rf (formerly AHML) is a federal agency that was created in 1997 by the state to help the population in purchasing comfortable housing with the help of a mortgage and maintaining liquidity in banks issuing such loans. By type it is a joint stock company with 100% state capital.

At the initial stage of the agency’s work, special standards were developed, with the help of which the interests of the majority of categories of citizens of the Russian Federation are taken into account as much as possible. These standards contain generalized requirements for borrowers, the main terms of the mortgage transaction, the structure of the loan agreement, etc.

Housing loans according to Dom.rf standards are issued by authorized agent banks. Only Russian citizens aged 21 to 65 with full legal capacity can become recipients of a mortgage for a period of up to 30 years.

The main difference between AHML and a regular bank is state participation. The agency is a government agency seeking to increase the availability of mortgage lending throughout the Russian Federation. Banks are commercial institutions that carefully select borrowers according to their criteria and give preference to the most affluent.

Thanks to Dom.rf, military personnel, employees of budgetary organizations, large families, young families, etc. were able to obtain a mortgage.

Important! The agency's products are distinguished by favorable interest rates and social orientation, that is, support for the most vulnerable segments of the population.

Registration on the portal House of the Russian Federation

Only citizens who are borrowers or co-borrowers under a loan agreement, the mortgage for which belongs to the agency, can register on the Dom.rf portal. If you are in doubt whether you meet these requirements or not, you can ask for help by calling the hotline 8 or +7 (495) 775-47-40.

You can register yourself on the official website at https://dom.rf . On the page that opens, in the upper right corner, click “Login to your personal account”, then select the “Register” option.

The system will prompt you to fill out a registration form consisting of the following data:

1. FULL NAME.
2. Date of Birth
3. Mortgage number
4. Phone number

Note! All fields are required. You can find out the mortgage number by calling the portal's hotline.

After sending the data to the portal, you will be provided with a login and password to enter your personal account. Information in your personal account is updated with some delay, so to obtain up-to-date information on mortgages, we recommend that you visit the portal 2-3 days after registration.

Main goals, objectives and activities

Dom.rf (AHML) was initially created to solve the following key tasks:

• support of government mortgage programs and their popularization among the population;
• prevention of possible risks in the mortgage industry;
• providing assistance to problem mortgage borrowers;
• obtaining competent advice on existing issues regarding the acquisition of real estate with the help of borrowed funds.

At the same time, the main goal of the former AHML is to maintain the liquidity of Russian commercial banks issuing long-term mortgage loans.

Key areas of activity of Dom.rf:

• lending to banks to issue housing loans;
• development of mortgage products;
• mortgage restructuring;
• purchasing rights of claim on housing loans of the population by placing agency bonds on the stock market;
• development of the rental market.

The activities of Dom.rf bring benefits to all participants in the mortgage transaction. Banks here are increasing their profits and expanding their line of mortgage products with new programs, the agency itself is developing a network of its regional offices without opening physical offices, and borrowers are solving housing problems.

Renaming AHML of the Russian Federation and the current state of the program to assist mortgage borrowers

AHML RF is now the House. RF is an agency whose shareholder is the Federal Property Management Agency. Initially, it assisted in mortgage restructuring and participated in securities trading. Today AHML changed to House. RF name. The organization's powers have been expanded. Its task is to promote affordable housing for citizens of the Russian Federation and improve the comfort of living conditions.

Prerequisites and procedure for changing the name to “House. RF"

AHML (house of the Russian Federation) was created in 1997. Its name did not change until March 2021, when the new name “House. RF". The subsidiaries will also be renamed to reflect the new brand name. General Director Alexander Plutnik linked the reasons for renaming the AHK to the House of the Russian Federation with the fact that the brand was not registered. Regional companies have used the acronym in their names, although the agency does not officially have any regional subsidiaries. Some of these companies committed fraudulent acts with which citizens associate the Home Mortgage Lending Agency. Now the house of the Russian Federation is the official AHK. To register a brand now you need to initiate legal proceedings. The shareholders decided to change the name to the House. RF. The brand is officially registered and can only be used by the relevant organization and its official subsidiaries. This is how we managed to preserve the agency’s reputation. Aizhk, the official website of the agency in the Russian Federation, has already been renamed Dom. RF.

Assistance program

The AHML assistance program for the Russian Federation was approved on April 20, 2015. With dom.rf, mortgage payments are easier. 4.5 billion rubles were allocated from the federal budget for the restructuring of mortgage loans.

The restructuring procedure took place as follows:

1. Borrowers contact the bank where they took out the loan with documents confirming their financial situation and an application.
2. The bank processes the application and sends a package of documents to partners. 3. The agency compensates the bank for losses from restructuring from funds allocated by the state. The restructuring consisted of reducing the balance of the loan by 30%, but if 30% of the balance - no more than 1.5 million rubles. The size of monthly loan payments was recalculated and reduced, and the borrower could improve his financial situation. But payments under insurance contracts concluded as part of a mortgage are not restructured and the obligations to pay them remain with the relevant party to the contract.

The interest rate on the restructured loan remains unchanged throughout the entire loan term and cannot exceed 11.5% per annum for foreign currency loans, and in effect at the time of restructuring for mortgages in rubles. Debt on loans in foreign currency is converted into rubles at a rate lower than the current exchange rate of the Central Bank at the time of restructuring.

The terms of the offer were favorable and applications for restructuring the mortgage debt were submitted to Russian banks. The funds allocated by the state were spent before the offer expired. But the program was not closed. A Government Resolution was issued to allocate an additional 2 billion rubles to help needy borrowers. As of May 1, 2018, the balance of allocated funds is 429,094,840.05 rubles, and citizens who took out housing on credit can still participate in the restructuring. Information is available on the AHJK website - dom.rf. In March 2018, the AHML organization was renamed into the House of the Russian Federation.

Services within the offer are provided free of charge. But not all Russian banks take part in the program. Only individuals whose banks have entered into agreements with AHML (now House of the Russian Federation) can restructure mortgage debt with the help of the state. You can find out whether you can count on help by contacting your lender. On the website of AHML (House of the Russian Federation), the assistance program for borrowers is described in detail.

Mortgage programs

Currently, AHML has developed and is implementing 8 main mortgage programs for various categories of borrowers. See the table below for details.

Additional options allow you to minimize the client’s time and financial costs, as well as receive support from the state.

Preferential offers

In addition to standard programs, the bank has implemented special offers for certain groups of the population. The programs imply a reduction in interest rates and even more favorable lending conditions.

Purchasing real estate for the military

The program involves providing a loan for the purchase of an apartment in a new or secondary building. Military personnel who participate in the NIS qualify for the conditions. The bank offers a loan of 36 months with a down payment of 20% (you can pay from personal funds or from an NIS account). In this case, the rate is fixed at 10% per annum.

Recommended article: Mortgage in Sberbank at the birth of a second child

Mortgage lending with state support for families

The program is great for families in which a second or next child was born (will be born) from the beginning of 2021 to the end of 2022. In this case, the bank offers the most favorable conditions. Only 6% per annum with a first payment of 20%.

Please note that the grace period under the program lasts from three to eight years.

Mortgages with state support at 6% for families with children: answers to frequently asked questions

Special offer for living social workers in the Moscow region

This program was created for health workers, scientists and teachers (teachers). The offer allows you to buy an apartment in a new building or on the secondary market, with a rate of 8.5 and 8.75%, respectively. The loan is provided for a period of up to 10 years.

Note! To get a loan, you can be registered in another region, but work in the Moscow region.

Regional program with a reduced rate

Depending on the regional distribution, public sector employees, families with three or more children, young families, and so on can become participants in the preferential program. The list can be found on the bank’s website, where all categories of citizens are divided by region. If the program is provided, you can get a loan at a rate of 5.5% per annum (without increase).

Note! In Dom.rf (AHML), mortgage repayment can be made ahead of schedule; to do this, you need to inform the bank employee about your intentions and deposit the desired amount without overpayments or interest.

We reviewed all available programs from AHML. For additional information, go to the bank's website, where you can find out complete information about the program you are interested in.

Mortgage conditions AHML Dom.rf

Let's consider the conditions of the mortgage lending programs listed above in more detail.

New building

The parameters for purchasing an apartment/apartment in a new building are as follows:

For regions, the maximum loan amount cannot exceed 10 million rubles.

This program provides a preferential interest rate of 8.5% per annum for a large family, as well as in the case of purchasing housing in the Baikal region and the Far Eastern Federal District.

If the client is not able to prepare a complete package of papers, then it is possible to obtain a mortgage using two documents. The rate under these conditions will start at 9.25% per year.

Ready housing

Key conditions of the program for the purchase of finished real estate on credit:

When submitting an application with a minimum package of documents, the minimum rate will be 9.5% per year.

Refinancing

With the help of the mortgage loan refinancing program at AHML (Dom.rf), borrowers with a valid mortgage agreement have the opportunity to lower the established rate. The parameters will be as follows:

• the amount of the balance of credit funds is from 500 thousand to 20 million rubles;
• term – up to 30 years;
• rate – from 8.75% per annum.

In this case, the loan itself must comply with standard restrictions:

• making monthly payments for at least 6 multiple periods;
• absence of any delays or violations of the terms of the loan agreement;
• no restructuring.

As part of the mortgage refinancing product at AHML, the client has the right to use the “Variable Rate” option, for which the interest rate today is 9.67.

On bail

Using the security of an existing apartment or apartments, a person can purchase an apartment on the primary or secondary market. Parameters of this mortgage product:

The loan is strictly targeted, which requires confirmation of the expenditure item of the allocated funds. Until such confirmation, the contract rate will be increased by 4 percentage points.

No down payment is required.

Military mortgage

NIS participants apply for a military mortgage with AHML under the following conditions:

• interest rate – 9% per year;
• loan term – at least 3 years;
• down payment – ​​no less than 20%;
• amount – up to 2 million 486 353 thousand rubles.

The first installment is paid from savings in an individual account or the serviceman’s own funds.

The maximum loan period is limited by the maximum age of military service.

Family mortgage at 6%

You can apply for a family mortgage under the following conditions:

The product provides a grace period of 3 to 8 years, during which a reduced interest rate (6%) will apply. Further interest calculation will be carried out as the key rate + 2%. At the moment, this figure is 9.25% per annum.

When refinancing, the conditions will be similar.

Social mortgage in Moscow and Moscow Region

Social mortgages from Dom.rf are issued to doctors, teachers and scientists living and planning to purchase housing in Moscow and the Moscow region.

Mortgage parameters:

• rate – 8.75% when purchasing an apartment in a new building and 9% for finished properties;
• repayment period – 10 years;
• first installment - paid by the Government of the Moscow Region (no more than 50% of the housing price).

Attention! The government will also take over the principal payment in the monthly payment structure. The borrower will only pay accrued interest.

Already working professionals, as well as people who are ready to move to the Moscow Region and take up open vacancies in budget organizations, will be able to get a mortgage with government support.

To obtain a social mortgage, you will need to contact the relevant Ministry and submit the appropriate application. The registration procedure takes place at BINBANK.

Social mortgage in the regions

At the level of individual constituent entities of the Russian Federation, preferential mortgage programs have been developed and are being successfully implemented, allowing the rate to be reduced to 5.75% per annum. Large families, young families, disabled people, public sector employees, etc. can apply for such a loan.

For consultation and submission of documents, a potential borrower should contact the regional office of the agency: Vladimir, Ulyanovsk, Omsk, Novgorod, Kemerovo, Udmurt, Voronezh, Volgograd, Sverdlovsk SAIZhK, etc.

The application will be submitted through local authorities, and the loan itself will be issued through partner banks.

Objectives and requirements of AHML

The state will suffer huge losses if citizens suddenly begin en masse to refuse to fulfill the terms of the contract on their part. In order to avoid this, the government decided to allocate part of the money from the state budget to help citizens who have difficulty paying.

Initially, the AHML program provided conditions under which the state would issue 20% of the outstanding loan balance at the time of signing a loan restructuring agreement. In this case, the final amount of interest tax should not exceed 600,000 rubles. Since February 2021, the government has reviewed and amended the law. According to the new wording, the interest rate was raised to 30%, and the remaining amount of subsidies reached 1,500,000 rubles.

In order to become a participant in the AHML program, citizens must fulfill the following conditions:

• The citizen must belong to the appropriate category of the population (presence of minor children or disabled children).
• The citizen must be a war veteran.
• The optimal level of income, which is calculated based on earnings for the previous 3 months. It must be below 30% of the same income before directly signing the contract.
• The housing for which a citizen takes out a mortgage loan must be located on the territory of the Russian Federation.
• The area of ​​housing must correspond to its cost, according to accepted standards. The cost of one square meter should not exceed more than 60% of the same square footage of housing on the primary or secondary real estate market.
• The housing that a citizen plans to buy must be owned by one owner.
• The duration of the mortgage agreement should not be less than one year from the date of filing the application under the AHML program.

Families whose income over the last three months was no more than twice the minimum subsistence level for each family member can participate in the program. A reservation in the law is the easing of the requirements for square footage and the cost of housing for large families.

Requirements for the borrower

The key requirements for potential clients are:

1. Availability of Russian citizenship and registration on the territory of the Russian Federation.
2. Age limit: from 21 to 65 years.
3. Sufficient solvency.
4. Work experience of at least six months at the last place of work and a year in total.
5. Full legal capacity.
6. Possibility of collecting the necessary set of papers.

For preferential and social mortgage programs, borrowers are subject to their own specific requirements, which should be clarified with the authorized bodies.

What it is?

The Housing Mortgage Lending Agency, or AHML (the new name of JSC DOM.RF) is a state company created to implement various projects in the field of housing management. For example, the company acts as a guarantor for mortgage securities and develops standards for preferential mortgage lending for a number of programs.

Since 2021, AHML has also been issuing mortgage loans at the offices of friendly banks for the purchase of housing on the primary market from partner developers.

How to get a loan through the Home Mortgage Lending Agency?

In order to receive a mortgage loan at a preferential rate, you must meet the requirements of each specific program. For example, you can get a mortgage at 6% per annum only if the family has children born between 2021 and 2022. To take advantage of a military mortgage, you must be a military personnel and a participant in the savings-mortgage system.

To obtain a loan, you need to contact any of the AHML partner banks or send an application on the DOM.RF website. The agency is not a credit organization, therefore loans are issued from its balance sheet using agency technology. Payments on a future loan are also paid through the agency's partner banks. If the application is approved, the applicant will undergo the standard procedure for obtaining a mortgage loan and purchasing an apartment or house.

In May 2021, the DOM.RF website offered eight mortgage programs on preferential terms.

The highest rates are provided for home purchase programs on the primary and secondary markets for all categories of borrowers. Only military personnel, large and young families, and public sector employees can count on preferential conditions.

Standards, parameters and conditions

The Agency has developed and applies “Standards for procedures for issuing, refinancing and maintaining mortgage loans.” According to the standards, loans are issued for a period of 36 to 360 months. You can buy an apartment, individual residential buildings at the same time as the land plots on which they are located (we talked in detail about what real estate is considered residential and who can take out a mortgage to purchase such real estate in this material).

Requirements for borrowers:

• The borrower's age is from 21 to 65 years;
• registration at the place of residence/place of stay in the Russian Federation;
• capacity;
• no more than four co-borrowers;
• experience of at least one year;
• verified income, meets creditworthiness and solvency requirements.

For a military mortgage:

• Participation in the NIS is mandatory;
• citizenship of the Russian Federation;
• age from 25 years.

For social mortgage:

• experience of at least three years;
• highest or first qualification category, academic degree;
• willingness to enter into an employment agreement for a period of at least 10 years.

Read more about preferential mortgage lending and social mortgage programs here.

AHML provides for certain requirements for borrowers and real estate purchased on credit. For example, it is allowed to purchase only residential premises that comply with the requirements of housing legislation, are not in disrepair and are not registered for major repairs with resettlement. The wear rate of such a building should be no more than 70%.

Interest rates on AHML loans range from 6 to 9.75% per annum in rubles. The lending limit is provided separately for each mortgage program, but on average ranges from 500 thousand to 8-20 million rubles.

Where can I get a mortgage?

Mortgages according to Dom.rf (AHML) standards are issued in branches of the Russian Capital Bank and reliable partners. Partners include an approved list of banks, including:

• Globex Bank;
• BINBANK;
• Alfa Bank;
• Metalinvestbank and others.

After reviewing the terms and conditions of registration together with a package of papers prepared in advance, the client will need to contact the selected agent bank to fill out a form and clarify the conditions.

Before submitting a mortgage application, each future borrower must understand the basic concepts of a mortgage and the nuances of interaction with a lender, including:

• know what a mortgage is;
• how a mortgage transaction is completed;
• what is important not to miss in the loan agreement;
• what is the effective rate, etc.

Recovering the password from your personal account House of the Russian Federation

If you have forgotten your login details for your personal account, you can restore them in one of the following ways:

1. On the Dom.rf portal
2. Call the hotline 8
3. Contact your escort agent

The most convenient way to restore access is to change your login and password on the company website. To do this, go to https://lkz.ahml.ru/ and under the login form click the “Forgot your password?” link.

Depending on what you remember, enter the username or email address you received during registration.

What documents will be needed

The list of required documents includes:

• Russian passport;
• application form;
• documents on income (requirements for a certificate in the bank form) and employment of the client;
• documents for the purchased property.

Military personnel provide a certificate of NIS participant, family mortgage clients - birth certificates of children, a marriage document.

For some programs, it is possible to apply for two documents. These include a passport and a second document of the borrower’s choice (SNILS, driver’s license, military ID, international passport).

How to get a mortgage from the Housing Mortgage Lending Agency?

The State Agency for Housing Mortgage Lending can issue mortgages only to persons with Russian citizenship whose age at the time of full repayment of the loan will not be more than 65 years.
There are other conditions: • The amount of monthly annuity payments cannot be more than 45% of the borrower's total income; • The allowed number of co-borrowers is 4 people.

Banks work according to a different scheme: they limited the size of regular contributions to 30% of the total family income.

The standards by which AHML mortgages are issued are practically no different from the requirements of banks.

The latter also seek to apply similar requirements to loan applicants in order to be able to sell mortgage loans to structures. So, the applicant will be required to present a standard package of documents.

Procedure for obtaining a mortgage

Applying for a mortgage from AHML includes the following steps:

1. Studying offers and choosing a loan program.
2. Getting advice from a partner bank or Dom.rf.
3. Collection of documents.
4. Search for the property being purchased and preliminary agreement with the seller.
5. Submitting a loan application.
6. Making a decision on the feasibility of issuing a housing loan.
7. Concluding a loan agreement and a mortgage agreement with a bank.
8. Buying insurance.
9. Payment of the first installment.
10. Registration of the transaction in the Registration Chamber (housing encumbrance).
11. Transfer by the bank of the remaining funds to the seller.

Social products additionally provide for interaction with relevant Ministries and other authorities.

AHML programs, mortgage rates

Information on tariffs and a list of mortgage programs DOM.RF Agency for Housing Mortgage Lending is presented in the table:

Mortgage calculation Sberbank

When applying for an AHML mortgage, insurance of the collateral object is mandatory. Additionally, depending on the terms of the specific program, there is life and disability insurance for the borrower.

On the official website of DOM.RF, you can pre-submit an online application for consideration of a housing loan, and you can also independently calculate the loan amount using a mortgage calculator. At the request of borrowers, it is possible to activate special functions of AHML:

• easy mortgage (subject to an initial payment of 50%) allows for simplified registration (application is considered only based on the application form and the borrower’s passport);
• variable rate - 9.67% per annum until expiration (from 30% of the down payment on the loan).

In addition, AHML programs provide for the use of maternity capital and assistance to borrowers when their financial situation worsens (restructuring).

Mortgage servicing

In accordance with the concluded agreement, the borrower undertakes to pay current payments in accordance with a clear schedule without violating deadlines. Responsibilities also include purchasing an insurance policy annually and informing the lender of any changes to your personal information.

Payment can be made through VTB Bank (free), ATMs, terminals and other financial organizations. Due to the possibility of a delay in crediting funds to the account, it is recommended to deposit the required amount at least 3 business days before the planned date.

Debt settlement procedure

In case of failure to pay the loan on time, the borrower will be obliged to pay accrued penalties and fines in the amount of 1/366 of the key rate of the Central Bank of the Russian Federation.

In a situation of malicious and systematic violations, the creditor has the right to demand termination of the contract and return of the balance of the debt, as well as foreclose on the collateral.

Non-payment and violation of the terms of the agreement will lead not only to a deterioration in the client’s credit history, but also to additional costs.

Disadvantages of lending from Dom.RF

Even though there are so many positive aspects, there are still two significant disadvantages of contacting the DOM.RF company to obtain a mortgage. The first is a lengthy application review process.

.

According to borrowers' reviews, some applications take several months to be processed, as a double check is carried out: first by the bank, and then by the agency itself. This pushes customers away - after all, in such a period of time it is possible to get approval from several other banks, and customers who are running out of time apply for less profitable loans, but already approved in a short time.

Second – if you refuse insurance, the loan rate increases by 0.7 percentage points

. This can result in a significant overpayment taking into account the loan term (on the other hand, all banks have this). Therefore, it is always worth making a preliminary calculation before making a final decision.

Otherwise, contacting Dom.RF is a real opportunity to use government support for housing loans and receive a relatively low rate and additional benefits.