What programs exist HMLA?

The state has its own company, which holds the masses "will of the government" on affordable housing. Call this company HMLA, and it works on the market since 1997. Agency for Housing Mortgage Lending (HMLA) was for many borrowers simply "savior." And all because the agency has one, but a very noble purpose - to help the vulnerable person with the purchase of housing through loans with favorable terms, for example, a low rate. In practice, the program HMLA HMLA implements six mortgage programs: "New" (loans for new homes with a rate of up to 11%), "mother's capital" (special conditions for the mortgage payment for the IC), "Standard mortgage (a conventional loan to purchase housing), "Military mortgage (a loan of up to 2 million rubles. for the program participants for the military)," variable rate "(the cost of the mortgage depends on the refinancing of the Central Bank) and" Low-rise housing "(favorable conditions for purchasing real estate in small houses ). Principles of HMLA works under the scheme. Partner bank gives the borrower a loan and then redeems the credit agency. Purchaser of housing, of course, be notified of this in writing. And now, the borrower will pay his duty HMLA. During the "raid" the borrower actually receives a state credit on more favorable terms (with a reduced rate or a grace period of payments). Here you can read about how to obtain a mortgage in the HMLA.