The government has simplified the banks access to the Family Mortgage Program.
If only banks at the beginning of the program could be participants in the program, and the redistribution of limits occurred inside this "circle", now the restriction is removed. Now, when redistributed the limits of the application for participation in the Program will be able to submit new lenders by the curator of the Family Mortgage program, by the way, the House of the Russian Federation is appointed instead of the Ministry of Finance. It is he who will redistribute the limits on the program.
Family mortgage. Conditions:☑️ Participants of the program can families in which from January 1, 2018 was born a second or subsequent child, as well as families with one child, if he had disability. ☑️ You can only buy an apartment in a new building, ready or at the construction stage. The seller can only be Juro face. But some bank and, such as the Bank of the Russian Federation, VTB. Metalinvestbank and Raiffeisenbank, allowed the possibility of buying under the assignment contract in individuals. ☑️ The initial contribution ranges from 15% of the cost of housing. ☑️ The maximum loan amount depends on the region. So, for Moscow, St. Petersburg, Moscow and Leningrad regions, it is 12 million rubles, for other territories - 6 million rubles.
☑️ Basic rates for family mortgage by banks:✅ PSB - 4.5% ✅ Rosselkhozbank - 4.6% ✅ AK BARS Bank - 4.6% ✅ Bank St. Petersburg - 4.69% ✅ Sberbank - 4.7% ✅ Bank House RF - from 4.7% ✅ Opening Bank - 4.7% ✅ Metalinvestbank - 4.8% ✅ Surgutneftegazbank - 4.8% ✅ Severgasbank - 4.85% ✅ Bank Zenit - 4.9% ✅ Sovcombank - 4.99 ✅ Raiffeisenbank - 4.99 % ✅ Rosbank House - 5% ✅ VTB - from 5% Gazprombank - 5% ✅ Absolut Bank - 5.49% ✅ Uralsib - 5.5% * The rate is taken into account the availability of personal insurance. With its absence, the rate increases. With the developers of some banks there are special programs with extra subsidies. Check in banks.
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