As polls show the population to use the maternity certificate is to improve the living conditions of most Russians would like that this right belongs to zakonu.Po estimates "of the Agency for Housing Mortgage Lending" (HMLA), potential participants in the program are 2 million people. Since early 2009, when the crisis came into force an amendment authorizing unlimited use family capital to repay the mortgage, the opportunity to put "parent money" to housing benefited more than 157,000 Russian families. Topic attachments literate state aid in the purchase of an apartment has recently become more urgent. The crisis has taught everyone not only count money, but also to better understand the financial instruments, including mortgage lending program. Size maternity certificate is now 343,378 rubles annually to review the amount depending on the level of inflation. In most Russian regions, the size of the certificate is equal to 10-30% of the cost of an average apartment. Just in time for the initial payment on the mortgage - many will think ... and make mistakes, because legislation is currently limited to the use of mother's capital for an initial fee. Such a right certificate holder gets only 3 years to execute a child in connection with the birth of which came right to receive the certificate. Bottleneck in the legislation to "expand" in the federal Agency for Housing Mortgage Lending (100% of the capital will offer the state), inviting all comers without waiting for the three-year moratorium to take advantage of the new mortgage product with the same name "mother's capital". Its main advantage - low down payment - 10%, which is precisely designed to make mortgages more affordable. Statistics show that 25% of borrowers who have applied to the Agency for Housing Mortgage Lending "with questions about the use of the parent capital to improve their living conditions, have problems with lack of down payment. And it is for them 10% - payment for the product "mother's capital" could be the first step in solving the housing problem. By the way, banks tend to avoid providing loans with low down payment because of their high risk and substantially increase the interest rate on them. But in the case of a certificate for the parent bank's capital can easily agree to participate in the program HMLA. The whole point of special construction loan product, whereby the risk of bank credits to borrowers on the terms "mother's capital", is not increased and consistent level of risk according to standard banking products. In addition, the "family" Customers have high payment discipline: of 572 mortgage loans, participating in the pilot program, the Agency's "maternal capital" was not a single late payment. In HMLA not hide the fact that new product development has become the state order, a measure for state support for families with children, so the rate on the loan also made sparing: Partners Agency lend in the range of 10.25 -11.45%, and for new buildings are lower than on the flat purchased on the secondary market. Bonus for the borrowers who dared to participate in the Agency, and has been an increase in the size of the loan: to the amount by which, taking into account family income borrowers could qualify for the beginning, is now added to an amount equal to the size of the parent capital. Loan burden is not increased: an increase in the size of the loan does not affect the payment amount. And by the way, eschee a plus - you can bring up to four co-borrowers, such as parents, that is an essential tool for young families. Because the product with the participation of parent certificates to market new and familiar, we encourage banks to enter the program and issue loans on concessionary terms HMLA going too innovative way - by offering a new mechanism for refinancing mortgages. The banks engaged in lending to the population under the terms of "mother's capital", the Agency is ready outputting not only buy mortgages, but also give out loans under their mortgage. In late July, a law was passed, which simplified the use of the parent capital to improve their living conditions. And this is a significant reason to look closer to the product. Changes in legislation should solve most of the problems that impeded obtaining mortgages using certificates. For example, before the date of application for use of mother's capital as an initial contribution to the transfer of funds from the FIU could take up to 8 months - a few sellers of housing agreed to wait such a long time. Today, the term of the application on the disposition of family capital is reduced to two months. However, the law did not answer the main question - whether the prolonged anti-crisis measure of the state, allowing the use of maternal capital to repay the mortgage loan immediately after the birth of her second child. If the extension does not happen, tovladeltsam certificates will, as before, waiting for the expiration of three years, not only in terms of making a down payment on the mortgage, but also in terms of maternity pay equity mortgage. This, naturally, can entail some changes in the "mother product" of the Agency, for example, can reduce the amount of "allowances", which increases the size of the loan. Therefore, the HMLA strongly advise potential borrowers have time to take the credit this year and promise to soon expand the capabilities of the product: to lend under the terms of "mother's capital" not only on the flats, but also on the low-rise housing projects of integrated development, and allow to choose between fixed and variable rate.
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