Preferential mortgage for teachers in Moscow for 2021

Mortgage lending for teachers is the provision of funds to solve housing problems under socially oriented programs that were introduced by the Russian Government. Such benefits for young teachers under 35 years of age, postgraduate students and graduates of higher educational institutions help increase the prestige of the profession and retain professional staff.

Moreover, a mortgage for young teachers 2021 will allow teachers’ families to find the best solution when solving housing problems.

Conditions and features when applying for a mortgage loan

The state provides assistance to the teacher when obtaining a mortgage, compensating for the difference when paying the down payment using funds from the regional budget fund. Such subsidies are a significant assistance to a teacher with a low average monthly income.

A preferential mortgage for teachers in 2021 is the repayment by the state of a certain part (up to 40%) of the cost of an apartment or house. Thanks to this, the price of housing is affordable, and any young teacher will be able to afford to buy an apartment with a mortgage, paying small monthly interest . In addition, a loan in the form of a preferential mortgage can be used not only to repay the down payment, but also to pay the interest rate on the loan.

Each region of the Russian Federation has its own characteristics of providing such material support to young specialists. Regional budget authorities determine the size of subsidies, the mechanism for their provision and the requirements for program participants to receive assistance.

Apartments for teachers in the Moscow region

Legislators and teachers also paid attention. Representatives of the most in-demand professions - in particular teachers and doctors - working in the Moscow region will be provided with service apartments. Deputies approved a list of specialists who are entitled to official housing. Thus, the region hopes to solve the personnel problem.

The right of young teachers included in the List of applicants for a housing subsidy in the planned year of a housing subsidy is certified by a personal Certificate of provision of a housing subsidy to repay the down payment when receiving mortgage housing loans (loans) for the purchase of housing (Certificate 2).

Where to start designing?

If a teacher wishes to take advantage of the mortgage concession, they will need to contact their local authority for further guidance and advice. Such a preferential loan should be valid in a given region, financed by the Ministry of Education and Science of the Russian Federation and allocations should be made for it.

Once approved, the potential borrower must collect documentation and forms and submit an application as a program participant.

Important: After reviewing the application, the participant is issued a certificate with which he is sent to the banking institution.

The teacher should know that such social mortgages are issued only in partner banks with which the regional authorities have concluded agreements. Therefore, a young teacher cannot choose a bank on his own.

Advice: A list of financial institutions that cooperate under partnership agreements can be obtained from administration specialists.

Requirements for the borrower

The Department of Education sets out requirements for candidates to receive a social mortgage. These include:

The age of the potential borrower must not exceed 35 years . He must have Russian citizenship and the teacher must not own housing, that is, he really needs an apartment.
with more than 1 year of work experience and permanent residents of the region can receive an approval for a loan
Availability of letters of recommendation from management at the place of work and positive characteristics. The teacher should not have any penalties for his official duties.
During the selection of candidates, preference is given to teachers who work in schools in rural areas or have decided to move to rural areas, as well as teachers who have minor children.
The potential borrower must be solvent, that is, interest on the loan should not exceed 45% of income. Not only wages are taken into account, but also other income: incentives and bonuses at work, grants, maternity capital and more.

What are the salaries of teachers in Moscow?

In the Komi Republic, a teacher’s salary is approximately 7 thousand. Head teachers, together with the director, receive several times more. There is a certain incentive fund that pays teachers extra for good work. This is just a laugh. There are teachers who are good specialists and do a tremendous job with children, and progressive, but somehow they don’t notice them. That’s why they don’t pay extra. Envy at school, intrigue in the women’s team, “snatching” each other’s watches. And the administration is scattering personnel, horror!

It infuriates Fursenko, who calmly declares to the whole country that the average salary of a teacher is about 30. I don’t remember exactly what he said, but twice as much as the real one. In Moscow, of course, the situation is different; Moscow is, in general, a different country, only it draws resources from all over Russia. They tell me that I have the ability to teach, I would be a teacher in the third generation, but under current conditions it’s better to realize myself somewhere else in another field!! In short, citizens, do not believe anything Fursenko says about teachers’ salaries, this is misinformation!

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Sberbank - profitable social mortgage

An agreement with this financial institution to provide mortgage loans to young teachers under preferential programs was concluded at the end of 2013.

Thanks to Sberbank and mortgages for teachers, in 2021 young teachers will have the opportunity to purchase housing in new buildings, as well as on the secondary market and housing that is under construction.

This financial institution provides mortgage lending on the following terms:

The mortgage program can be used by a teacher who works in a state or municipal secondary or higher educational institution;
the down payment is made from funds under the social program (20% of the total cost of housing);
Young teachers can involve their parents, spouse and other relatives as co-borrowers.

A preferential mortgage issued at Sberbank can take several forms:

State loan to pay part of the cost of housing (up to 40%).
Sale of a state apartment at the best price.
Loan to pay mortgage interest.

Social mortgages for young teachers from Sberbank or other partner banks help attract young specialists to the profession and provide significant financial assistance to the families of these teachers. Also, such lending helps to normalize the material and housing situation in the country, so it is beneficial for the state to help young teachers purchase housing.

House for Teachers": which mortgage programs for teachers have begun to be successfully implemented

The Komi government has its own way of solving the issue of providing housing for teachers. The construction of so-called “teachers’ houses” based on low-rise construction projects is being successfully carried out here Now young specialists who have graduated from pedagogical universities will be more willing to go to work in a village or small provincial town if their families are provided with comfortable housing, which in case of dismissal will be transferred to the use of another teacher.

One of the main advantages of the new social program at the state level, along with solving the housing problem for this category of needy Russian citizens, is to increase the status and prestige of the teaching profession. Such a program will strengthen faith in the importance of education and help retain highly qualified personnel. It is no secret that a huge number of teachers, tired of waiting for decent salaries and social benefits from the state, as is customary in all civilized countries of the world, leave their profession in search of more profitable work. A new social program to provide preferential housing loans may be the first step that will begin to revive the prestige of the teaching profession in Russia.

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Advantages of a preferential mortgage

The advantages of state subsidies for the purchase of housing for young teachers include:

the minimum interest rate is not higher than 8.5%; if the borrower wants to get such a preferential mortgage for housing that is under construction, then he will have to pay 10.5% per year;
a small down payment or the possibility of paying it from budget funds . The down payment ranges from 10 to 30% and depends on the desire and capabilities of the young teacher who is applying for the loan;
long loan term - up to 30 years;
the borrower may be exempt from mandatory loan insurance.

If half of the total loan amount is repaid, then the borrower has the right to repay the rest of the loan early. This condition is provided only for this type of mortgage lending.

Documents for obtaining a mortgage for young teachers

Mortgage benefits for teachers will be available if they provide the necessary papers to the banking institution. Before going to the bank, you need to collect a package of documents, which consists of the following forms:

passport, SNILS, INN and documents that confirm registration on the territory of the Russian Federation, if there is no stamp in the passport. You need to make photocopies of all these documents, and present the originals to the bank specialist for verification;
photocopy of the work book;
certificate of salary at permanent place of work. If the specialist works somewhere else part-time, then you will need an employment agreement and a salary certificate from this place of work;
military ID - for male teachers;
application form (the form must be obtained from the bank);
marriage or divorce certificate, birth certificates of children, certificate for receiving maternity capital and others;
other documents that may be needed depending on the specific case and the credit institution.

How to get an apartment for a teacher in Moscow

Home — Current — Mortgage Today, for many teachers in Moscow and the Moscow region, the issue of purchasing housing is urgent. If you want to do this with the help of government support, then you can use the Social Mortgage program, which is implemented jointly with AHML. Indeed, teachers are one of the socially vulnerable categories of the population, because

their average monthly earnings remain relatively low. Despite the fact that the Government of the Russian Federation has pledged to increase teachers' salaries, its amount still rarely exceeds 20,000 rubles, when the average mortgage payment is 25,000-29,000 rubles. Social mortgages are available to almost all employees of the public sector, state and municipal organizations.

25 Jan 2021 etolaw 552

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It is important to know!

1. To avoid wasting time, before contacting the city administration to obtain a program participant certificate, you need to know your credit history . If it is negative, then the bank may refuse to lend money, even if all the documents from the administration specialists are in hand.

2. Do not rush to collect documents until the administration specialists begin processing. After all, in order to receive such a loan, appropriations must be included in the regional budget. If this money is not in the budget, then you will have to wait for the next financial year.

3. If a young teacher does not have the means to pay the first installment, then you can use maternity capital for this . You can pay the down payment using a government subsidy, which is compensation for part of the cost of the property purchased with a mortgage (no more than 20% of the cost of the apartment or house).

4. It must be remembered that the last payment must be made before retirement age.

5. Before studying the conditions at the bank, you need to find out whether it has a cooperation agreement on providing this type of loans.

6. The use of the state program for young teachers does not prevent them from using their right to participate in other regional social support schemes: receiving maternity capital, various social benefits, and so on.

Mortgages for young teachers are subject to the same requirements as mortgages under general terms. For example, until the loan is fully repaid, the borrower does not have the right to exchange, sell or donate an apartment, or has the right, but with the permission of the lender.

What do you need to contact the administration?

There is a certain algorithm of actions when contacting a specialist in the city administration. To obtain approval for a mortgage and receive a certificate you must:

1. Write an application and provide it to a specialist.

2. Find out which banks cooperate under this program.

3. After receiving a positive response and a certificate, prepare documents for the bank.

When everything is ready, you should perform the following steps:

1. Plan the dates for concluding transactions: purchase and sale agreements and mortgage transactions.

2. When the money is received and the apartment or house is purchased, draw up an act of acceptance and transfer of housing. Register in Rosreestr the ownership of the property purchased with a mortgage.

Video: A primary school teacher’s mortgage was 2 times cheaper than a regular one

How to get an apartment for a teacher in Moscow

, said Tatyana Ershova. As for teachers, in the opinion of the majority, only decent pay can make the profession of a school teacher attractive. If you believe the promises of the president and the government of the country, then from December 1, a teacher’s salary should be at least equal to the average in the economy - no less than 23 thousand 700 rubles.

In general, a potential borrower should contact the city or district administration for advice and detailed information about the terms of preferential lending. Preferential mortgages for young teachers should become a way to attract active creative personnel into the profession, as well as a means of solving the housing problem for the families of young teachers.

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