Support for AHML mortgage loans through VTB Online: details and payment procedure

Payment through VTB Personal Account

After concluding an agency agreement, VTB clients were able to pay for their mortgage from the Russian House of Representatives using the standard instruments of their bank. It should be emphasized that the basic conditions of the concluded agreement are preserved. VTB does not have the right to set other interest rates or change the approved time schedule for repayment of debts.

To fulfill their obligations, borrowers can use the convenient interface of their Personal Account. After registration, you can pay for your mortgage at DOM RF in the browser or mobile version of the service. Specialized versions of applications are offered for mobile devices with Adroid, iOS and Windows Phone OS installed.

How to connect

To authorize a new user, you must personally visit a VTB branch with a civil passport. You can select a suitable address using the interactive map on the bank’s website. When you mark the appropriate option with a marker, opening hours and contact information are displayed on the screen. It will be necessary to sign a standard comprehensive service agreement (CSA) in order to pay the RF House mortgage and gain access to other services.

For your information! An alternative method is to gain access using an ATM. Select “Settings” from the menu. Next, perform the necessary actions in accordance with the information prompts. Personal identification is performed using a bank card.

After completing the procedure using any of the selected algorithms, the client receives:

• unique code (UNK);
• password.

To download a mobile application in the appropriate store, search for the abbreviation “VTB”.

As a login for the first login, you can use:

• valid card number;
• UNK specified in the DKO;
• voice message when contacting the help center by phone.

The first password is sent in an SMS message to the client number provided in the DKO. For security, it is recommended to change the code in accordance with the current restrictions on the number and composition of characters.

Step-by-step instruction

After logging in:

• go sequentially to the desired section (My Products - Loans - DOM RF);
• check information about completed transactions and the repayment schedule;
• transfer the required amount from any of the existing accounts;
• confirm the action with a code from the received SMS message.

If you wish, you can pay off your mortgage on the House of the Russian Federation faster. To do this, activate the “Repay early” dialog mode. In the application form that appears, mark an acceptable option from the list:

• increase in payment amount;
• changing the time interval.

After the operation is completed, the current schedule is corrected automatically.

Commission

According to the agency agreement between the parties, VTB Bank does not take a commission from clients for repaying the mortgage debt of the House of the Russian Federation.

other methods

You can pay for your mortgage on the House of the Russian Federation using specialized terminals and payment services. Below are technologies that are officially approved by the lender for repaying debts.

Through partners QIWI Bank

To pay using this method, you must present your passport and account number, and indicate the transfer amount. Services are provided by official partners of QIWI Bank: Svyaznoy, M-Video. This service is provided free of charge only in those municipalities where the House of the Russian Federation does not operate under a partnership agreement with VTB.

Gold Crown

This service charges 1% of the amount for the transfer, but not less than 50 rubles. You can pay for your mortgage on the RF HOUSE through Zolotaya Korona partners. To carry out the transaction, take the recipient’s passport and details to the mobile operator MTS or Beeline.

The system of "City

To use this service with an amount above 15,000 rubles. You will need a civil passport. The current commission is 1%, 50 rubles. minimum. The standard period for crediting money to the account is one business day. You can find your nearest service point on the interactive map.

Do you want to move to a new apartment, but are confused by the mortgage term?

We tell you how to pay off your mortgage faster and pay less interest.

Start making early payments

With an annuity loan repayment scheme, you pay the bank the same amount every month. At the same time, at the initial stage, most of the amount is interest.

The sooner you start paying off your mortgage early, the more you can save.

Reduce the payment amount or loan term

Reducing the loan term is beneficial if you want to minimize overpayments.

Reducing your monthly payment is suitable for reducing your debt load.

Even a one-time payment will bring benefits

If you are planning a one-time early partial repayment of the loan, then it is more profitable to reduce the loan term. You will save several times more on interest payments to the bank than by reducing the payment amount.

It is not necessary to deposit large sums of money

Even 2,000 rubles made as an additional mortgage payment can save you a million. The main thing is to add them regularly.

Make early mortgage payments without commission

You can make an early mortgage payment in literally 2 minutes in the DOM.RF Bank mobile application. No commission, applications or trips to the bank.

Repay your loan directly from your phone at any time convenient for you:

1. Go to the “Mortgage” section on the main screen of the mobile application - it displays all the information on your loan
2. Click “Other” and select “Early repayment” - full or partial
3. For partial early repayment, enter the desired payment amount and debit date*
4. Select what you want to reduce: the monthly payment amount or the loan term*
5. And confirm the payment

* For mortgage loans whose terms allow this

AHML or Dom.RF? And what is this anyway?

AHML is the Agency for Instant Housing Credit . Created on the initiative of the Government of the Russian Federation in 1997 with the aim of implementing state housing policy. Since 2021, it has been renamed into the joint-stock company "Dom.RF" and is a financial institution engaged in the development of the housing sector.

Main directions

implementation of state policy is:

• Attracting investment in the housing construction sector;
• Improving the quality and affordability of purchased housing;
• Introduction of federal standards in the areas of construction and lending;
• Stimulating an increase in the supply of ready-made comfortable housing;
• Development of measures and restrictions on the formation of affordable housing prices;
• Development of unused land plots for housing construction;
• Development of urban planning in all regions of the country.

"Dom.RF" fulfills its tasks thanks to state control and guarantees

– they are offered both to investors (developers) and to banks providing long-term loans. The Institute achieves its goals by attracting additional resources on stock markets by placing its own bonds.

The agency did not have its own offices to work with citizens

, since the main work is carried out directly with partner financial institutions. The organization has an impressive authorized capital, part of which is a 100% stake in the Russian Capital Bank.

Now the main activity of the company is carried out on behalf of JSC Bank DOM.RF, and there are also more than 200 partners in the form of companies and banks offering services from the program according to established standards.

Methods of payment (repayment) of a mortgage loan (loan)

Repayment of the loan (loan) and payment of interest for the use of credit funds are carried out by regular (monthly) transfer of payments to the account of the mortgage holder.

You can pay off your obligations:

1. by independently making payments through online banking systems (personal account, Internet banking, etc.), which provide the opportunity to manage funds in your accounts, deposits and make payments without contacting the bank;
2. by providing the bank in which you have a current account with an instruction (one-time or long-term) for a non-cash transfer of funds from your account to repay the debt to the account of the mortgage holder;
3. by non-cash transfer of funds to any bank without opening an account to the account of the mortgage holder;
4. by submitting an order to transfer funds to repay the debt of the organization executing the transfer of funds on your instructions;
5. depositing, with the consent of the Lender, cash into the Lender's cash desk.

We strongly recommend that you:

1. carefully check account details and other data in payment documents prepared by bank employees;
2. pay special attention to the correctness of account details and other data that you provide to bank employees when making payments (we recommend providing bank employees with this Notice with details as a sample for execution);
3. draw the attention of bank employees processing your payments to the individual nature of the Lender's accounts provided to you for the fulfillment of obligations;
4. require bank employees to correctly prepare payment documents in accordance with the details and other data provided by you;
5. pay special attention to the correctness of account details and other data in the case of independent payments through online banking systems (personal account, Internet banking, etc.).

If the Lender's payment details are changed, the new details will be notified to you by KAIZhK JSC.

The date of fulfillment of your obligations under the Mortgage is the day the funds are credited to the Lender's account. Thus, making a payment on the last day of the payment period may result in a delay and, as a consequence, the accrual of penalties. In this regard, you should make payments in advance before the end of the payment period, taking into account the fact that the transfer of funds by the banking system requires a certain time.

Contact information for the department for supporting standard and problem mortgages of OJSC "Kamchatka Agency for Housing Mortgage Lending"

Address: 683003, Petropavlovsk-Kamchatsky, st. Leningradskaya 89, room 314.,

Telephone: tel. (4152) 411-600, 466-600

e-mail

Schedule:

Mon-Fri: 09:00 – 18:00

Break: 13:00 – 14:00

Closed: Sat, Sun.

Login to your personal account AHML House RF on lkz.ahml.ru

To carry out transactions with your mortgage loan, you must log in to the Dom.rf portal. To do this, go to the official website of the organization at https://dom.rf . On the page that opens, in the upper right corner, click the “Login to your personal account” button. You can also directly go to the authorization page on the portal at https://lkz.ahml.ru . The system will redirect you to the login page, where you will need to provide your username and password. If the login details are correct, click the “Login” button.

The borrower’s personal account on the Dom.rf portal has the following functionality:

1. Up-to-date information about your loan agreement
2. Payment schedule and account status
3. Possibility of early repayment of mortgage
4. Ordering a certificate from the Tax Inspectorate or Pension Fund
5. Clarification of payment details
6. Generating a receipt for the scheduled next payment
7. Information about the insurance contract
8. Feedback from the agency

Note! If this is your first time logging in, you will be asked to change your temporary password to a permanent one for security purposes. When creating a password, do not use simple combinations and registration data from your social networks.

On the main screen of the control panel, you may be asked to indicate your SNILS number - you will only need to enter the certificate number once.

Insurance

This obligation remains with the client in full, with the difference that the borrower will have to enter into another agreement with an insurer from among the companies accredited by the new mortgagee. You can select a partner approved by the mortgage agent on the official website of JSC DOM.RF. Since insurance of the loaned object is a mandatory condition established by current legislation, after obtaining the next insurance, the borrower is obliged to provide the bank with a corresponding agreement before the expiration of the 48-hour period.

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What is this program

In June 2021, a law was adopted on the repayment of part of the mortgage debt for large families. The state will pay part of the mortgage debt - up to 450,000 rubles - to those families in which a third or subsequent child was born between January 1, 2019 and December 31, 2022. In the fall, banks began accepting documents for applying for benefits.

Money is not issued in person; it cannot be used to cover another loan. If the mortgage debt was less than RUB 450,000, the difference will be used to pay off interest. If the debt is larger, then the balance will need to be paid to the borrower.

The mortgage agreement must be concluded before July 1, 2023 - this means that all loan agreements before this date are included in the program. For example, you took out a mortgage in 2012, your third child was born in April 2021 - you are entitled to a subsidy. If the mortgage is issued in foreign currency, it’s okay; the bank will recalculate the amount at the exchange rate on the date of early repayment of the loan.

The subsidy can be used once and only under one loan agreement. Children who participated in applying for benefits are not taken into account when applying for subsidies under another mortgage agreement. For example, mom and dad are divorced and have two children together. Each of the parents started a family again, took out a mortgage, and each of them had a third child. Both mother and father have the right to a subsidy - each has three children. If mom is the first to apply for repayment of the mortgage debt and indicates her children in common with her ex-husband, then dad will no longer be able to do this. Whoever is first will receive the subsidy.

There is no need to pay income tax on the subsidy, but if the family used a tax deduction when buying an apartment, then the state will have to return 58,500 rubles (13% from 450,000 rubles).

The subsidy can be used together with maternity capital, then the total amount of the benefit can be more than 900,000 rubles. If you have already used maternity capital, you are still entitled to a subsidy - these are different benefits.

How the program works

The mortgage debt write-off scheme works as follows: clients submit an application and documents to the bank where the mortgage loan was taken out, the credit institution checks them and transfers them to the program operator - DOM.RF, who conducts a final check of the applications and makes a decision either to pay the subsidy or to refuse .
Payments are made in order to repay debt on mortgage housing loans of citizens of the Russian Federation who are entitled to state support measures in the established amount. The subsidy may be less than 450,000 rubles if there is a smaller amount remaining on interest and debt on the loan, respectively.

The procedure for implementing state support measures, which includes regulations for citizens applying for their provision, as well as the list of required documents, can be found in Decree of the Government of the Russian Federation dated September 7, 2019 No. 1170. We recommend that you familiarize yourself with the official documents on the DOM.RF website and then apply.

Credit obligations: pay online

The advantage of online payments is undeniable. The client carries out the transaction in advance, at a convenient time. When transferring, a money transfer operation between your accounts is involved, which eliminates the accrual of commissions.

An important question is from which account the VTB mortgage is written off. For the transaction to be possible, the client needs to open a debit card at the bank and control that there are funds on it.

With the online application, opening a debit card becomes a simple step:

• fill out an application on the website;
• wait for the card plastic to be issued, which will take 7-10 working days;
• the media will be delivered to the department indicated in the application or by courier.

The program's capabilities allow the payer to create a payment transaction template and configure the auto-payment function. On the specified dates, the money will be debited from the specified debit or current account. Such transfers are convenient if you have a VTB salary card.

To pay for a VTB mortgage through the application, perform the following algorithm:

• log in to VTB online;
• in the Main menu bar, select the Transfers tab, and in it the item Transfers between your accounts;
• using the cursor, mark the account from which the money will be debited, then the credit account where the transfer will be made, indicate the transfer amount and select the Transfer command;
• confirm the transaction using the password sent via SMS.

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The operation takes a few minutes to complete. In the Loans tab, the transaction result is checked.

Requirements for borrowers

Regardless of the creditor bank

, whether it is Bank Dom.RF directly or any partner, including Sberbank, clients are presented with uniform requirements for obtaining loans:

1. The borrower's age is between 21 and 65 years until the debt is fully repaid.
2. Citizenship and registration in the Russian Federation.
3. Full legal capacity of the borrower and availability of permanent income.
4. The client has not been declared bankrupt in the past 5 years.
5. The loan currency is exclusively Russian ruble.
6. The loan period is from 3 to 30 years.
7. The minimum loan amount is 500 thousand rubles, and the maximum depends on the region: for Moscow up to 30 million, in the regions up to 15 million rubles.

Books on home lending

On sale today:

• Federal Law “On Mortgage (Pledge of Real Estate)”
  Publisher: Normatika. Year: 2021. Series: Codes. Laws. Norms.

  The federal law was adopted by the State Duma on June 24, 1997. Approved by the Federation Council on July 9, 1998 (as amended by Federal Laws dated November 9, 2001 No. 143-FZ, dated February 11, 2002 No. 18-FZ, dated December 24, 2002 No. 179-FZ, dated February 5, 2004 No. 1-FZ, dated 06/29/2004 No. 58-FZ, dated 11/02/2004 No. 127-FZ, dated 12/30/2004 No. 214-FZ, dated 12/30/2004 No. 216-FZ, dated 12/04/2006 No. 201-FZ, dated 12/18/2006 No. 232 -FZ, dated June 26, 2007 No. 118-FZ, dated December 4, 2007 No. 324-FZ, dated May 13, 2008 No. 66-FZ, dated December 22, 2008...

• Bank mortgage-backed securities in Russia (Covered Bonds) and abroad
  Publisher: Statute. Year: 2021.

  Covered Bonds are mortgage-backed securities issued by credit institutions and are one of the largest segments of the European capital market. The legal framework for Covered Bonds exists in 34 European countries. In Russia, this instrument is provided as one of the options for mortgage-backed securities regulated by the Federal...

Where are applications accepted?

Documents must be submitted to the Sberbank office: either to the Mortgage Lending Center in your region, or to the office of the bank that supports mortgage loans, if there is no Mortgage Lending Center in your city.

You can find out the address of the nearest bank office that provides consultation services, processing and issuing mortgage loans on the Sberbank website - indicate your city, select the services you are interested in using a filter (in this case, advice on mortgage and housing loans) and you will see all the necessary information.

Who is responsible for paying subsidies?

Subsidies are distributed by the program operator - Dom.rf. He checks the documents' compliance with the Rules and transfers money to repay the mortgage to the credit institution.

Subsidy payment scheme:

You submit the documents to the bank → the bank checks them and sends them to Dom.RF → Dom.RF also checks them and → transfers the subsidy to the bank → the bank pays off part of the mortgage.

There is no need to pay anything to apply for the benefit - the procedure is free. If the bank does not accept documents, delays registration, demands to pay a commission, or something else happens, then complain to Dom.rf - he will sort it out.

Hotline number - 8-800-775-11-22. Within Russia the call is free.

Recovering a lost password

A common user problem is how to recover the VTB password online. The instructions that can be found online recommend contacting the department or calling the hotline. But VTB is systematically improving the software. And it’s much easier to recover your password online.

Please note that when logging into Internet banking, in the user authorization window below the login line there is a Restore Access command. The following are the program commands:

• user identification is carried out by phone number or card;
• the system prompts you to enter a new password and confirm it again;
• actions are accompanied by SMS with confirmation codes.

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Follow the prompts carefully and your password will be successfully recovered.