In recent years, various mortgage programs have been very successful because allow you to purchase housing on his bail. Of course, this property cannot be sold and reissued until the loan is fully repaid. However, the ability to use living space is the most “attractive” feature of mortgage lending.
Instruction manual
1
Military mortgage - one of the types of acquisition of housing by the military. The long-term nature of the service (15-20 years) and the budget allocations for the accumulation of funds in personal accounts are the basis for this type of mortgage.
2
If you are a soldier who enlisted after 2005, you are eligible for a military mortgage. In this case, the type of troops and the place of service are not important. Remember that the main condition for mortgage lending is to remain in service until the loan is fully repaid. At the same time, you can purchase housing in any region of the country, regardless of the place of conscription and service. Also, the availability of other housing and the number of family members is not a limitation.
3
To participate in the state military mortgage program, you must be a graduate of a military university with the rank of officer. You must have an insurance policy. Open an account with any bank that works with the military mortgage lending program. Next, you must sign a loan agreement. After that, transfer to your account all the accumulated funds (usually at least 300 thousand rubles).
4
Choose the option of purchased housing and prepare the necessary package of documents for consideration by the bank. Usually, originals and certified copies of a passport or a substitute document, a military ID, a certificate of state pension insurance, a certificate of assignment of a tax identification number, education documents, a marriage certificate, a birth certificate, a work book are presented.
5
Remember that you can become a member of the "military mortgage" program only after serving at least three years. In addition to the amount that the state annually transfers to the personal account of the military (in 2010 it amounted to 175600 rubles), you need to have your own savings in order to arrange a home purchase on a mortgage.
