How to get a loan a young family for construction or purchase of housing – Rules for receiving mortgage loans for young families

How to get a loan on the program young family? Read on Lady-Magazine.COM instructions for obtaining housing loans for young families. Meet the terms of receipt of a loan to young families on housing

Many families do not have enough money to buy housing. Most of them either remove the apartment, or live with parents. But – this option suits not all. How then to solve such an actual question for many – housing? If you do not have a perspective to get a house inheritance, then you should try to become a member of the program mortgage loans for young families.

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Instructions for receiving a loan for a young family

1. The state program works in Russia «Accommodation», which is aimed at helping young families. To get a chance to become a member of the program you should Sign up to family, who need to improve housing conditions. What period of time you are in this queue is not important, the main thing is that this registration is. Registered in this queue of families who have bad housing conditions. According to the legislation, families include families, where spouses are less than 35 years old, and they lived together less than 3 years.
2. note that Each region has its own housing standards. For example, in Moscow, the family in which there are no children, for each of the spouses is 18 m2. If there is a child – 48 m2 per family.
3. Same different subsidies. Calculate it depending on the number of families and the value of real estate in the region. Therefore, it is necessary to specify accommodation tariffs in the region.
4. State percentage of state aid everywhere is the same. A married couple who does not have children receives assistance in the amount of 35%. Families with children The rate rises by 5% for each child.
5. Determine the amount of bank loan. Focusing on the cost of selected housing, calculate the amount you need. Credit young families on housing issues public, and commercial banks.
6. Carefully examine bank conditions. You can do this as on various Internet sites, so in catalogs of bank credit proposals. Attention should be paid not only to the loan percentage, but also to other conditions (the age of the borrower, is it possible to attract the co-career, the amount of the starting fee, the level of income and T.D.). Choose several financial institutions that have the most acceptable conditions for you.
7. Prepare documents required for loan:
8. The passport;
9. A copy of the workbook, certified by the printing of the enterprise where you work;
10. Income certificate (2ndfl form), it is desirable to specify a salary that is actually obtained in.
11. To bank documents bring personally. If you want to attract the co-career, he should also be present. An employee of the Bank will advise you on all issues and will evaluate your chances in obtaining a loan.
12. Having studied your application within a few days, Credit specialist will say, do you agree to issue a bank loan on the program Young family. With the consent you bring documents to the bank. Next will be carried out by the transfer of property rights with imposition of housing encumbrance in mortgage.
13. Starting the process of buying housing in the mortgage, You may encounter some difficulties, and should be prepared for this. About the most common problems arising from submission of documents for registration of state aid on housing, on the nuances of regional housing policies can be found in local Internet forums or contacting the real estate agencies dealing with these issues. You can also seek help to the financial advisor.

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