Let's look at another loan offer in the article - AHML mortgage (Dom.rf). The agency provides favorable conditions for obtaining a loan; we will tell you about the features of each program, requirements for borrowers and the nuances of concluding an agreement.
Purchasing a home on credit is a real way to improve your living situation today. Modern financial institutions have formulated many proposals for various groups of the population, which allows you to obtain a loan with maximum benefit.
Taking out a Dom.rf mortgage (AHML) is very simple; in order to learn about the key features of cooperation, we suggest considering each program for obtaining a loan separately.
Types of real estate and requirements for objects
You can take out a Dom.rf (AHML) mortgage for any type of real estate. Today, loan programs include offers for the following objects:
- house (with land or townhouse);
- apartment (in a new building or secondary market, as well as objects under construction);
- apartments;
- room or share in an apartment.
The bank offers to issue a loan for any of the listed properties, but has established certain requirements that the property must meet. The following are not allowed for the transaction:
- the house is in disrepair (or potentially in disrepair);
- apartment in a new building from a non-accredited developer;
- any type of housing that has controversial or unresolved legal issues.
There are a number of other factors for certain groups of real estate that influence the bank’s decision. This includes the year of construction, type of foundation, area of the object and its condition. This information can be found by going to the Dom.rf website or contacting the bank manager.
Program for assistance to mortgage borrowers of AHML in 2020-2020
The maximum permissible amount of financial assistance is a reduction in debt obligations by 10% of the debt balance, but the allocated amount of assistance per borrower cannot exceed 600 thousand rubles. In addition, the program provides for a reduction in the interest rate on foreign currency mortgages to at least 12% per annum for the entire remaining period of the loan agreement, and on ruble mortgages - to the rate in effect on the date of registration of the restructuring. An upward revision of the rate is allowed only in case of significant violations by the borrower of the terms of the agreement.
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An application for financial assistance must be submitted to the bank where the loan was issued , or to the successor bank that has assumed the appropriate rights as a creditor. The latter is possible if, for example, the bank where the mortgage was issued was deprived of its license and its rights were transferred to another bank. A prerequisite is the participation of the creditor bank in the program. It is important to take into account here that out of more than half a thousand operating credit institutions, only about 85 banks are currently participants in the program.
Dom.rf mortgage: conditions and types
It is important to understand that in Dom.rf (AHML) the mortgage interest rate depends on the chosen lending program. Therefore, it is necessary to initially understand the nuances of bank offers in order to get a loan at a favorable rate without overpayments and extra interest. At Dom.rf, the options for obtaining a loan are maximally tailored to certain groups of the population; we will consider each offer.
For those wishing to purchase an apartment in a new building
Purchasing housing in a new building from AIZHIK involves obtaining a loan at a rate of 9.9%. In this case, the maximum loan amount is 30,000,000 rubles. An advantageous offer for those who have long dreamed of an apartment in a new building. The first loan payment is 15-50 percent of the value of the property.
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Buying a new building with a mortgage: instructions
For apartments on the secondary market
Here the bank has implemented a program for the secondary market, while the mortgage conditions are practically the same as for new buildings. With only one exception – the loan rate starts from 10.25%.
Buying a secondary apartment with a mortgage: step-by-step instructions
Refinancing (recalculation) of the current loan
AHIC proposes to reconsider the existing loan on more favorable terms for the borrower. The loan term is standard – from 3 to 30 years. The interest rate starts from 9.9% and depends on the loan amount, which cannot exceed 85% (in relation to the value of the property). Please note that refinancing for Urban Group real estate takes place under the same conditions.
When is mortgage refinancing beneficial?
For those wishing to purchase real estate using their apartment as collateral
The optimal offer that allows you to buy any housing option today using your existing property as collateral. The program includes houses with lots, townhouses, apartments and apartments of any format. The interest on the loan is 11%. The loan is issued in an amount of up to 60% of the real value of the apartment (owned), and a down payment is not required. The loan is provided for a maximum period of 360 months.
Note! We talked about basic loan offers from the bank (Dom.rf) AIZHIK. Mortgage interest may be increased for certain groups of the population. It is also expected that the rate will be reduced under preferential programs, which we will consider below. The amount of payments depends on the region of residence of the borrower. So, for Moscow, St. Petersburg and the corresponding regions, loans are issued in the amount of up to 30,000,000 rubles. For other participants, the maximum amount is 15,000,000 rubles.
Special options
- Easy bet. The program is in addition to the listed loan options. Using it, you can get a loan without providing a full package of documents at reduced rates.
- Use of maternity capital. Suitable for citizens who have a certificate of benefits. Using the add-on, you can reduce the level of the first payment and increase the total loan amount. Mortgage and maternity capital
- Variable interest rate. It varies depending on the economic situation in the country and is calculated quarterly.
For additional information on the distribution of these options, you can go to the website of the financial institution or contact a bank manager who will tell you the loan conditions for your situation.
AHML: assistance programs for mortgage borrowers in 2020
- the duration of the period of assistance to borrowers ranges from 6 months to a year;
- the lender (bank) has the right to compensation for lost profits or losses from borrowers with a difficult financial situation;
- the maximum amount of such compensation cannot exceed 200 thousand rubles.
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This makes it possible to judge the impossibility of issuing a restructuring program for persons who fall under the other criteria of the Program, except for the presence of a mortgage in foreign currency. People who really find themselves in a difficult life situation and cannot cope with their credit burden are unlikely to hear a positive response to their application.
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.
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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.
Assistance program for mortgage borrowers in 2020-2020
Borrower Assistance Program The Unified Institute for Development in the Housing Sphere is implementing a state program to assist certain categories of borrowers with credits (loans) who find themselves in a difficult financial situation. We have already helped thousands of families with mortgage restructuring. In accordance with the decision of the Government of the Russian Federation, the program will be continued.
list of banks providing assistance to mortgage borrowers. The service is free, the application template will be given to you specifically at. The main banks of the Russian Federation have joined the program to help borrowers, these include. It is for these reasons that it is more profitable for the bank to reach a peaceful agreement with the borrower who is experiencing temporary financial difficulties and agree to restructure the mortgage loan debt than to waste money and time.
Who can take out a loan from AHML?
The bank puts forward loyal requirements for the borrower, which do not differ from the conditions of most financial institutions:
- minimum age – 21 years (for NIS participants from 25 years);
- age at the time of full repayment of the debt - 65 years (for NIS participants up to the maximum age for service);
- registration and citizenship – Russian Federation;
- income - confirmed by a relevant certificate from a permanent place of work.
- length of service – 3 months for employees, for individual entrepreneurs – from 24 months.
Note! The bank also sets requirements for the borrower's credit history. So, you are obliged to resolve all existing disputes before submitting an application for a loan, otherwise the bank may refuse to issue a loan.
What is the telephone number of the AHML hotline?
Consult on mortgages, conditions for issuing state loans. assistance, loan terms, can be done online or by asking a question to a call center operator.
In Russia there is a single hotline number. You can call for free. You can get through from any region from all cellular and landline devices.
Additionally, you can contact the AHML reception call center in Moscow at +7 (495) 775 47 40. Tariffing depends on the operator’s conditions.
What documents are needed for registration?
To obtain a loan from AHML you will need a standard list of documents:
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- passport with a mark of registration as a citizen of the Russian Federation;
- a copy of the work book/agreement, which contains information about the place of employment of the potential borrower;
- documents confirming the applicant’s income for the last six months;
- for men under the age of 27, a military ID must be provided;
- for the family program, copies of the children’s birth certificates must be attached;
- real estate documents (appraisal, equity participation, technical passport, etc.).
Requirements for online mortgage documents
We would like to remind you that providing false information or an incomplete package of documents may result in refusal to issue a loan. We recommend that you carefully check the specified data and only then transfer it to bank employees.
Other reasons for refusal are described in detail in the article: Reasons for refusal of a mortgage: what should borrowers take into account?
The main stages of a real estate acquisition transaction
In general, the scheme of the transaction for the purchase of a property with a Dom.rf mortgage is as follows:
- Submitting documents and applications for a mortgage;
- Ordering a real estate appraisal from an accredited appraiser;
- Providing a package of documents for the property;
- Insurance of the property, life and health of the borrower;
- Signing a loan agreement;
- Transfer of the down payment to the seller, signing of receipts;
- Submitting documents for registration to the MFC;
- Providing the Dom.rf specialist with a list of documents issued by the MFC and transferring the loan amount to the buyer’s account;
- Transfer of borrowed money to the seller, signing of a receipt;
- Receiving a registered agreement and an extract from the Unified State Register of Taxes at the MFC;
- Providing Dom.rf with documents on the buyer’s ownership.
If the borrower is about to sign a purchase and sale agreement, it is useful to read the information in the article: Sale and purchase agreement with a mortgage - important points for the seller and buyer.
If a buyer asks to inflate the price of a property, then it is important to read the article: Overpriced mortgage: risks for the seller and the buyer.
Summary
AHML offers a variety of lending offers for groups of the population of the Russian Federation, which allows you to take out a loan on the most favorable terms.
A distinctive feature of the Dom.rf mortgage (AHML) is the conclusion of a loan agreement with the client, and not a loan agreement. This is what allows you to buy real estate that is pledged to the bank and the seller’s debt has not been repaid. More details about such transactions in another article: Purchase of collateral real estate under the mortgage of Dom.rf (AHML).
To pre-calculate loan terms and the possible amount of overpayment, you can use a special calculator on the bank’s website. The software will consider commissions and additional payments, and will also take into account benefits and rate reductions.
It is possible to apply for a mortgage online. To apply for a loan, you can use the online form or contact the bank. Addresses of representative offices are indicated on the website of the financial institution.
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Author:
Maria Yurievna Sokhan
Date of publication February 5, 2019February 25, 2019
