Mortgage loan: how to use the parent capital
These recommendations were prepared in connection with the entry into force on 1 January 2009, the Federal Law of 25.12.2008 ? 288-FZ on the basis of which the administrators of the parent (family) capital (hereinafter - the funds MSCs) have the right to allocate funds to repay the state support for mortgage credit or a loan, regardless of the period elapsed from the date of birth (adoption) of the second, the third child and subsequent children. Prior to the entry into force of the Law, the right to dispose of the funds to repay the MSC mortgage or loan was granted on or after the child reaches the age of 3 years. These guidelines contain information for citizens who have obligations under the mortgage loans or loans granted for the purchase of residential premises on the territory of the Russian Federation and carrying out their repayment to the creditor (or representative of the creditor) - JSC "Agency for Housing Mortgage Lending" (hereinafter - AHML).
The procedure for the transfer of funds of the parent (family) capital (hereinafter - MSC), as described in these recommendations have been prepared in accordance with the legislation of the Russian Federation.
In order to realize the right to the use of the additional state support to citizens having the right to dispose of the means of MSCs, to channel funds or resources of the CMC in the fulfillment of obligations by mortgage loans or recommend the following.
Step 1: Gather required to apply for a package of documents.
For the purpose of applying for disposal MSCs to the territorial office of the Pension Fund of the Russian Federation at the place of residence or stay the citizens need to prepare the following documents:
1. The original and the copy of the certificate (a duplicate in case of loss or damage to the certificate).
Place the document: the hands of the administrators of the MSC.
2. The main document certifying the identity of the person who received the certificate and its registration at the place of residence or the place of residence, as a rule, the passport of a citizen of the Russian Federation.
Place the document: the hands of the administrators of the MSC.
3. Documents confirming the identity of the representative and his authority (notarized power of attorney), if an application to the local office of the RF Pension Fund filed by a representative acting under a power of attorney.
Place the document: the hands of the administrators of the MSC.
4. A copy of the loan agreement (loan agreement).
Place the document: in the hands of administrators of MSCs or members of his family.
Important: The law does not contain requirements for certified copies of the loan agreement (loan agreement), the mortgage agreement, so it is recommended together with a copy of the contract to produce the original contract. Considering that at the time of treatment to the Pension Fund, there could be a change of the creditor in connection with the assignment of the claim on the credit (loan) (change of ownership mortgage), it is advisable to provide the borrower received notice of the change of creditor (change of ownership of the mortgage).
5. A copy of the mortgage agreement, passed the state registration in the prescribed manner. Subject to availability.
Place the document: in the hands of administrators of MSCs or members of his family.
6. The certificate of state registration of ownership of the premises purchased using credit (borrowed) funds and a copy of the original.
Place the document: in the hands of administrators of MSCs or members of his family.
Important: in case of loss a duplicate of the document can be obtained in the territorial division of the Federal Registration Service.
7. A copy of the marriage certificate if the party of the loan agreement (loan agreement) the spouse is the person receiving the certificate.
8. If you purchased in a mortgage dwelling is not registered in the property of all family members, including children (first, second and subsequent children) the borrower (borrowers) whose property is decorated in the living room provides the notarized written commitment to issue acquired with a mortgage premises in the common property of the parents, children (including the first, second and subsequent children) and other co-living with them family members with the definition of the size of shares under the agreement after the removal of encumbrances from the premises.
Note: This requirement is enshrined in the revised "Rules of channeling funds (of the funds) of maternal (family) capital", approved by the Government of the Russian Federation ?20 from January 13, 2009
9. Help the creditor (lender) the amount of the principal debt balance and the balance of arrears of interest on the loan or loans.
Place the document: service company authorized by AHML servicing mortgage loans (loans).
Important: Information about the company serving the mortgage (loan), contained in the notification sent earlier to the borrower. If the borrower does not have information on the service company, accompanying the mortgage (loan), contact tel. (495) 775-47-40, given the number of mortgages, the full name, passport data, address, location of the mortgaged property, and the number the date of the loan agreement (loan agreement).
10. In addition to help on the rest of the debt service the company provides billing information to transfer funds MSCs and payment schedule for the entire term of the loan or loan and a copy of the proxy service company AHML, which are issued on the basis of the said documents.
Additionally, it is recommended to contact the local office of the RF Pension Fund to refine the list of necessary documents.
Step 2: Applying for the disposal of funds in the IIC local office of the Pension Fund of Russia.
The application for the order is filled by means of MSC approved by the Ministry of Health and Social Development of the Russian Federation dated October 28, 2008. ?599n form and submit to the territorial department of the RF Pension Fund with the application of documents collected. The application form is available in the territorial department of the RF Pension Fund, or may be printed out from your own reference and legal systems "Garant" Consultant + ", etc. editor MS-Word (cm. specimen filling)
1. Subparagraph a) the application specifies the amount of funds CMC allocated for the improvement of living conditions, namely, the repayment of obligations under a mortgage or loan.
Note: The amount of funds CMC allocated to repayment of the loan may not exceed the principal balance on the loan and accrued but unpaid interest. Means of MSCs can not be used to pay fines and penalties arising from the improper fulfillment of obligations under the credit agreement or loan agreement.
2. Details for the transfer of funds to the MSC AHML fill in the appendix to the application in accordance with the details provided in the help provided by the representative of the creditor of the claim. 9 Step 1 of this Notice.
Important: We recommend additionally specify: the number of the credit agreement or loan agreement, the number of mortgages in a single information system HMLA (ERC HMLA).
3. In taking the territorial department of the RF Pension Fund application for disposal of documents and MSC officer adopted a statement, issue the applicant a receipt notification (notice) indicating the date of acceptance of the application, the registration number of the application and the name of the responsible officer who took the statement.
4. At the end of 1 month from the date of acceptance of the application the territorial body of the RF Pension Fund makes a decision on approval or denial of the application for disposal GMT. Territorial body of the RF Pension Fund not later than five days from the date of the relevant decision sent to the person who has submitted an application for disposal, the notice of meeting or a reasoned refusal of its application.
Note:
In accordance with the Federal Law of 29 December 2006. ?256-FZ, of an application for disposal MSCs may be refused if:
- Termination of the right to additional measures of state support on the grounds set out in parts 3, 4 and 6 of Article 3 of the Federal Law
- Violation of the rules of application for the disposal; indicate in a statement on the disposal of the use of funds (of the funds) of maternal (family) capital is not provided for by the Federal Law;
- Guidance on the application of the disposal amount (often in combination), exceeding the total volume of the parent (family) capital, which has the right to dispose of the person who applied for the disposal;
- Limiting a person referred to in paragraphs 1 and 3 of Article 3 of the Federal Law, parental rights to the child, the birth of which the right to additional measures of state support on the date of the decision on the application for disposal, according to the said person ( until the abolition of restrictions on parental rights in the prescribed manner)
- Of a child, the birth of which the right to additional measures of state support, the person specified in paragraphs 1 and 3 of Article 3 of the Law, in the manner prescribed by the Family Code of the Russian Federation (the period of a child).
5. In the event of refusal of an application for disposal MSCs in the appropriate notification outlines motivated grounds, according to which the territorial body of the RF Pension Fund such decision was taken. Notification of applicants made territorial body of the RF Pension Fund in a manner that provides the opportunity to confirm the fact of the notification. The decision to dismiss the application for the disposal may be appealed to a higher authority or the RF Pension Fund in the prescribed manner to the court.
6. In the case of notification of a positive decision, in accordance with the terms approved by the Russian Government means MSC should be listed in the creditor (lender's representative) for details specified in the application within 2 months from the adoption of a positive decision.
Step 3. Interaction with the lender (lender's representative) after notification of a positive decision on the application for the disposal of funds GMT.
It is recommended to inform the lender (the representative of the creditor) the timing and amount of funds allocated from the funds to repay the remainder MSC principal and interest on a mortgage or loan. The procedure provided by law, but in order to avoid unforeseen situations in accordance with the terms of the credit agreement or loan agreement should:
1. Apply to the accompanying service company and fill out an application for partial or full repayment of obligations under a mortgage / loan at the expense of the WCS.
2. In the case of partial repayment of a mortgage / loan application must specify the chosen method of payment schedule changes: reducing the term of the loan / loan while maintaining the size of the monthly payments and save the current period of performance with a reduction in the size of monthly payments.
3. It should be borne in mind that the means of MSCs can be transferred to the account of the creditor (the representative of the creditor) for two months. In this connection, in the case of partial (full) repayment of the loan until the confirmation of receipt of funds to the lender (the representative of the creditor) the borrower will need to continue to make monthly payments in accordance with the terms of the credit agreement or loan agreement.
Recommendations:
Due to the lack of order and procedure of refund MSCs to the FIU in the case of an overpayment, as well as the timing of the transfer of funds is necessary to observe the following guidelines: The sum of MSCs directed to repay the loan should not be a difference remaining debt on the loan at the time of submission of the application and the amount of 3-monthly payments.
4. After receipt of funds on account of MSK creditor (lender's representative) if the loan is repaid incompletely, the payment schedule will be adjusted. For the new schedule of payments borrowers must apply in person accompanying a service company.
Mortgage Standards AHML
The main parameters of the program AHML
Loan Currency: Ruble
Down payment: not less than 10% of the cost of housing (the cost of housing - the lower of the purchase price under the contract or of the evaluation conducted by an independent appraiser). If the initial payment on the loan is less than 30% of the market value of housing is mandatory to be insured by the borrower's liability under the loan agreement.
The maximum amount of not more than 4 000 000 (for the Novosibirsk region)
Interest rate: Mortgage Rates Calculator
Term Loan: at least 3 years and no more than the shorter of the following periods: 30 years (360 months), or the difference between 65 years and the current age of the borrower (years), and the full implementation of the obligations under the Loan Agreement / Loan Agreement shall be made not later than the month in which the borrower will reach the age of 65 years. If some borrowers, the maximum term of fulfillment of obligations under the Loan Agreement / Loan Agreement is calculated from the difference between the lowest and the current 65 years of age (full years) of each of the Borrowers. Term of the loan, calculated in months, the value should be a multiple of 12.
The ratio of expenses / revenues:
Payment on the loan is not more than 45% of the total income of the borrower.
Requirements to the Borrower (s):
- Russian citizenship,
- Registration of residence / stay in the territory of the Russian Federation,
- Age of the borrower at the time of the loan agreement / contract of the loan must be at least 18 years, and shall not exceed 65 years at the end of the term of the mortgage (loan)
- The total number of borrowers, according to one speaker Loan Agreement / Loan Agreement may not exceed three (3) people
Proof of income:
- For employees: Certificate of employment, confirming the amount of income for the last six months, in the form of 2-PIT or in the form of AHML.
- Individual entrepreneurs submitted documents for a period of at least the last 24 months
Banks offering mortgage programs by the standards AHML:
GLOBEXBANK
Novosibirsk Municipal Bank
AK BARS Bank
Housing Finance Bank (Zhilfinans)
Bank Zenit
City Mortgage Bank
TATFONDBANK
Siberian Bank of Sberbank of Russia
UniCredit Bank
Uralsib Bank
Bank opening
The program AHML "New"
In early 2010, AHML developed special conditions for the issuance and redemption of mortgage loans for the purchase of housing in the newly built after 2008 or under construction apartment houses of economy class.
AHML: Terms of mortgage loans for construction:
Mortgage / loan is given:
- For the purchase of residential premises under construction through participation in the joint construction, which is decorated in accordance with the Federal Law of 30.12.2004 ? 214-FZ "On Participation in the shared construction of apartment buildings and other real estate and on amendments to some legislative acts of the Russian Federation" ;
- For the purchase of residential premises under construction by agreement / contract cession of Legal Entities (-im) person (s) under the contract of a joint construction, which is decorated in accordance with the Federal Law of 30.12.2004 ? 214-FZ " On Participation in the shared construction of apartment buildings and other real estate and on amendments to some legislative acts of the Russian Federation ";
- For the purchase of residential premises on completion by the purchase and sale of residential premises of a legal entity;
- For the purchase of premises by paying a share in building society.
Product Requirements AHML "New" to the acquired mortgage real estate:
Acquired apartment is located in an apartment building in 2008 and later years of construction. The apartment can be purchased during the construction phase and upon completion of construction. Also, loans may be granted to members of the HBC to pay for shares of Housing Cooperative.
Collateral for the loan is purchased apartment or the right of claim under a contract of investment. Seller apartment necessarily a legal entity.
Credit term: up to 30 years.
The maximum amount of not more than 4 000 000 - for the Novosibirsk region, for the purchase of housing in Moscow and St. Petersburg - 8 million.
The initial payment and interest rates under the "New":
The initial payment on the loan is at least 10% of the market value of the property. If the initial payment on the loan is less than 30% of the market value of housing is mandatory to be insured by the borrower's liability under the loan agreement.
On payment of an initial payment, you can use the means of the parent (family) capital.
With an initial contribution of 50% to 70% (inclusive) rate on the loan is set at 10.5% per annum, from 40% to 49% - 10.75% per annum, from 30% to 39% - 11% per annum, from 20 to 29% - 11.25% per annum, from 10 to 19% - 11.5% per annum. These rates are subject to personal insurance of the borrower. In the absence of private insurance is the interest rate increased by 0.7 percentage points.
The ability to reduce the interest rate on your mortgage:
Additional deductions of the interest rate available to buyers of economy class housing, the recipients of the parent (family) capital, young families and owners of public housing certificates.
The largest size of the deduction of - 0.5% - is provided to citizens when purchasing economy class housing at a price set by the Ministry of Regional Development and do not exceed 30 thousand. Rubles per square meter of floor area.
The interest rate on the loan is reduced: 0.25%, if the initial payment on the mortgage is paid funds to the parent (family) capital, and 0.25% - in the case of a mortgage participant of the federal target program "Housing": young families - participants of the subprogram "Providing housing for young families" and the owner of the state housing certificate member subprogram "Fulfillment of government obligations to provide housing for categories of citizens established by federal law." If the borrower satisfies several requirements at once, put his deductions from the interest rate are summarized. Thus, the total amount of the interest rate on the loan may be reduced by 1.25%.
The ratio of expenses / revenues:
Payment on the loan is not more than 45% of the total income of the borrower.
Requirements to the Borrower (s):
- Russian citizenship,
- Registration of residence / stay in the territory of the Russian Federation,
- Age of the borrower at the time of the loan agreement / contract of the loan must be at least 18 years, and shall not exceed 65 years at the end of the term of the mortgage loan (with the participation of several borrowers loan period is calculated taking into account the achievements of 65 years of age the oldest of the borrowers)
- Work experience in the last place of the borrower and co-borrower must be at least 6 months
- The total number of borrowers, according to one speaker Loan Agreement / Loan Agreement may not exceed three (3) people
Proof of income:
- For employees: Certificate of employment, confirming the amount of income for the last six months, in the form of 2-PIT or in the form of AHML.
- Individual entrepreneurs submitted documents for a period of at least the last 24 months.
Moratorium on early repayment:
A moratorium on the early repayment of 6 months. Commission for early repayment is not
Banks that offer mortgages on standards AHML-building:
Bank ITB
Housing Finance Bank (Zhilfinans)
TATFONDBANK
MDM Bank
ForBank
Novosibirsk Municipal Bank
Debt friendly companies in the hands of the company
Loans costs, depreciation calculations
Do not fall into the trap of these tax treaties
As reflected in the account of the receipt of money from the founder
The company receives loans of founders. Driving?
The debate about individual income tax from the compensation, rent and loan
Contributions to material assistance at birth and benefits from interest-free loans
Friendly companies can not collect debts with each other, and using them as a way to increase the income tax on profits. There are three popular ways to use the debt-friendly companies.
Method number 1
Include accounts receivable in reserve duty at the counter
When mutual debts, both sides can write off expenses
Tax officials need to set off mutual debts
Friendly companies, which have a reciprocal debt for goods or works, it is advantageous to repay them temporarily. Then the amount of arrears can be included in the allowance for doubtful accounts.
Recognize the debt may be questionable when the counterparty did not return the money in time, and the debt is not secured by anything (a pledge, surety or bank guarantee). Other requirements of the Tax Code no. In particular, there are no conditions that take into account the reserve is possible only when there is no oncoming debt. Just consider and judge (decree of the Presidium of the RF from 19.03.13 ? 13598/12).
Tax measures of security. According to tax, if a collision can not create a debt reserve. After all, the company may set off debts unilaterally. And these debts are not considered to be questionable (letter from the Federal Tax Service of Russia 16.01.12 ? ED-4-3 / 269 @). Create a reserve tax allowed only to the difference between accounts receivable and kreditorki.
To secure costs in contracts should prescribe that the unilateral set-off of debt is not allowed. But if that does not convince the tax authorities, the costs will defend in court.
Method number 2
To write off accounts receivable in the partial repayment of the debt
You can write off the remainder of the debt ahead of time
It is necessary to confirm that the debtor does not recognize the debt
After three years since the emergence of the debt can be written off as expenses as hopeless. But only on condition that the limitation period was not interrupted (Art. 203 of the Civil Code). At the same time, you can take into account the costs, even if in the last three years, the counterparty partially repay the debt. After all, the term is interrupted if the debtor filed a lawsuit or their actions recognized debt. A payment of the debt does not mean that the contractor agrees with the entire amount. That is, the partial repayment do not interrupt the limitation period.
Tax measures of security. It is safer not to take from the debtor a letter to say that he agrees with all the debt. And not to sign bilateral reconciliation statements in which the contractor recognizes the entire debt. However, despite these precautions, the tax authorities may find that partial payments interrupt the limitation period. So, it should be considered again after each repayment of the debt.
But if a dispute arises, it can be solved in the court or the Federal Tax Service. According to the judges, voluntary payment by the buyer of the debt does not mean that it recognizes the rest of the debt (the decision of the Federal Arbitration Court of the Moscow District of 17.06.13 ? A40-112981 / 12-99-580).
Method number 3
List an advance to write off as bad debt
It is possible to consider in advance the full amount of costs
Before writing off the debt it is necessary to go to court
If the group of companies is that which is scheduled to close, then use it for the next way to save. Before the liquidation of her contract and an advance list. The amount of this advance, the company transferred to third organizations (such as the repayment of its debts to another company of the holding). But in connection with the liquidation of the Contractor can not fulfill the deal. He has no assets, and return the advance he can not.
For debt collection customer goes to court and then to the bailiffs. Once the assets have no artist, police officer makes a decision about the termination of the enforcement proceedings in connection with the inability to recover the debt. On the basis of this document can be considered bad debt and write it off to expenses. With debt relief on the basis of a police officer and the Treasury agree (letter dated 06.03.13 ? 03-03-06 / 1/6752).
Tax measures of security. Safer that the debtor has sent an advance debt repayment of the real, not phony. At the same time the risks are not excluded. Officials believe that unreturned advances can not be included in expenses (letter from the Ministry of Finance 01.08.11 ? 03-03-06 / 1/441). But if the tax authorities denied in spending, they can defend in court. Judges believe that recognition of the debt is not necessarily bad, that it arose from the sale of goods (Decree of the Federal Arbitration Court of the Moscow District of 19.03.12 ? A40-75954 / 11-115-241)
Mortgage today - financial slavery or the winning ticket?
One of the most important financial topics today remains a mortgage.
This is a great decision to change their living conditions in a very short period of time.
It is important to understand that the financial dependence of the bank may not be oppressive on the psyche of bondage, but a real opportunity to get what you've always dreamed of.
To little to dispel the clouds in search of the truth and understand what can be civilized "smart" mortgages, today Let us examine the main points that you should consider the simple inhabitant.
The most basic condition - it is, of course, your "liquidity". This refers to the amount of payment on the mortgage, which you can pay your monthly credit. The vast majority of banks will be able to give you a "good" if their mortgages will not exceed 50% of the net total income declared by you and the confirmed bank. (Submit your revenue to the bank in various ways, not necessarily documented, but it is - a topic for another conversation).
Net income in this case - the amount earned during the month of money for less mandatory (where they get away from) payments - apartment rent, taxes, payments on other loans. Moreover, payments on other loans banks can be considered "as is" and can - with a coefficient.
The important point! Psychologically 50% per month will still create some discomfort. Therefore, the system will calculate the loan repayment, starting from 40%. The difference in the 10% - of our comfort zone, when to pay more than 40% - infringe upon yourself in something, and less - just do not make sense.
For how long to take a mortgage?
Banks offer stretch "fun" for 25 years, some even do not stint on the 30.
The most popular among Muscovites is a 15-year loan term, but most borrowers pay the entire amount in advance.
Following the rules of a "smart" mortgage today repayment period over 10 years - this is a frightening reality.
Firstly, in 30 years you overpay 270% and 10 years will cost you in the "funny" 72%. Do not believe? Then we use the loan calculator. Substitute: loan size, for example, 5 million, the interest rate, for example, 12% per annum and will change the credit terms and see what happens.
Yes, for 30 years, you will give the bank is almost three times more money than have!
But if you take a loan for 10 years, a payment on the loan will be too large, or loan size is too small.
Therefore, the main rule of "smart mortgage" can be formulated as follows: loan need to take a long time: the very 25 - 30 years, and the need to repay the loan as soon as possible, preferably within 10 years, repaying the loan early.
Second, today the mortgage for you is necessary and urgent, and at the end of the contract period everything can change - requests, preferences, life situation, etc.
Therefore, it is better to improve the living conditions gradually taking every time "all possible burden": less flat, but the payment for which you will not only do what "work for the bank."
Why should you pay on the loan ahead of schedule?
Let's start small - 7 years. With an average annual rate of 12% interest on the loan overpayment will be 48% for the 10-year loan - 72% of the principal amount. It is advisable to arrange a mortgage today at a more modest property to pay off the loan ahead of schedule, and a maximum of 7 years to find a more suitable option.
Again, not the fact that half the term of the mortgage payments on the contract for 30 years, in your life, nothing will change.
Guided by the rule "from smaller to larger" we just outright kill two birds - does not impinge on the psychological health and average the costs.
The optimal rate for the loan, what is it?
It is understood that the smaller the better. But the stakes "in Europe" can wait for years, but because it makes sense to talk about what can now. Today, the mortgage provided by various credit programs with different rates (from 11.5 to "barrage" of 25% per annum) ... For some programs the rate of 13% seems too high, and for some of that, which we can only dream of.
If we're talking about getting a loan secured by the purchased apartments in the secondary market, the rates start from 12.5 - 13% per annum in rubles.
When lending to new buildings, taking into account the state. Support rates could be between 11.5 - 12%, and in some cases, taking into account the subsidy rate developers - 7 - 8% and even 1% per annum. (However, such low rates are usually within 1 - 2 of the first years of credit use, and then become higher).
When applying for a loan to buy a house to the ground - the best rates start at 14.25% per annum.
Where have the finances, there are always risks, so it happened. In case of force majeure should have surplus funds.
Let's say that you have excellent business and things are going great. But it is today. Mortgage (for some time) - a constant, and business affairs may stop going great, so you need to protect yourself.
This will require an amount of 3-6 monthly income to "wait", "to endure" to find new work and so forth.
This does not mean that the money must be based on "dead weight." The easiest way to place a deposit (not in the bank where to pay the mortgage) with interest that maintain the balance with respect to inflation and good humor you and your family.
HMLA reduced rates! Long live the HMLA!
Question: "How to lower rates will be reflected in the mortgage market"?
In answering this question, it makes sense to talk about the different time intervals.
If we consider the time interval 2 - 3 months, the mortgage market is not affected almost nothing.
It will be easy-lung revival of demand, not more.
Why?
For mortgage lending needs stability: a stable job, a stable salary and confidence in the future.
Such confidence among citizens - less than a year ago, and even more expensive products.
In order to in such a situation the population worried about obtaining a mortgage, mortgage rates should be low.
What do we know of the news?
With loan rates start at 10.3% per annum. But for whom such rates?
For socially important categories of citizens.
List of categories rather extensive: teachers, doctors, workers of military-industrial complex, scientists, public authorities and others.
But: 10.3% per annum - is if the borrower has a down payment of more than 50% of the purchase price and the loan is less than 1.5 million.
In Moscow, where the price of one-bedroom apartments start at 5 million and above, half a million, which is called "nothing."
If the borrower's first payment less than 50% - the rate of 11.4% per annum.
If the loan is more than 1.5 million, for the same socially important categories of citizens - the interest rate increases in proportion to the excess amount, but not more than 12% per annum.
That is, speaking of Moscow, in most cases, we talk about the rate on loans to 12% per annum.
Although here we are talking about quite serious limitations.
The fact that AHML considers such income borrowers who are confirmed by a certificate in Form 2-PIT.
Now imagine: Moscow.
The cost of one-bedroom apartments start at 5 million.
For example, 1 million the borrower has, and it is necessary to obtain a loan of 4 million.
To obtain such a loan in AHML, a period of 20 - 30 years old, you need to have an income of about 120 thousand!
Again, the income must be fully confirmed by a certificate on Form 2-PIT (for "socially important categories of citizens" - especially).
Something tells me that with "socially significant categories of citizens," we are talking about relatively small amounts of loans and more often than not in Moscow.
We go further: in addition to socially significant categories of citizens are those who in these categories does not apply. For them, the rates on loans - 13 - 13.5% per annum.
Today it is - in the "corridor of interest rates" on the verge of the lowest.
But anyway it is quite high rates.
If you look at the average rate of the loan, the rate at which a balance of supply and demand is at about 12% per annum. Such rate on mortgage loans has been over the last few years.
Lowering the (average) rates below 12% led to an increase in demand and rising - to the lower demand.
But this - the average rate when the best deals - by 10, and the worst - 14 - 15%, and receives an average of 12%.
Now the average rate on mortgage loans above 12% per annum.
With a higher rate, the demand - less than the supply. That is, the proposed level of rates is not enough to reach the level of demand last year.
In HMLA a strong position in the region, which shows a relatively small number of banks, mortgage loans for its own programs.
In Moscow, the Moscow region, St. Petersburg, many banks have always been banks, which have the best deals than in AHML, and therefore, the share of loans issued by AHML, was relatively small.
And this is connected not only with the rates. HMLA loans do not directly issue: only through authorized organizations.
Loans are issued HMLA money must comply with the standards serious enough. For example, in the apartments, which are issued under the guarantee of loans should not be replanning (none at all), the borrower's income must be supported by 2-PIT.
Also on the "standards of AHML made relatively small ratio of" payment / income ", that is, HMLA believe that the borrower can repay the debt spend less of their income than they find in other banks.
But because of a combination of factors, the proportion of AHML in the markets of Moscow, the Moscow region, St. Petersburg - quite small.
To visualize the proposal AHML to reduce rates - imagine a dark room and a burning in her match.
The Dark Room - Offer, and a burning match - demand from mortgage holders.
Thanks to the proposal AHML, instead of matches appeared torch: as if the room was a little brighter, but it's still not bright.
Therefore, even though the reduction of interest rates, the supply exceeds the demand of the real estate.
The gradual reduction of interest rates on mortgages and AHML, and other banks - as an attempt to catch up with the train uezzhayuschy.
But look at the situation in the long term.
What HMLA lowers rates - is good. Do not forget that AHML - Government organization 100% of the shares belong to the state AHML.
Therefore, the actions of AHML can be considered as those actions that are of interest to the state. That is, their actions HMLA shows the direction in which you should move to other banks.
So soon we will see a gradual decline in interest rates on loans to other banks, or rather, the continuation of this decline.
And it is - good for the real estate market.
But in my opinion, the reduction of interest rates by banks is too slow. The population there is a feeling that what happened reduction - is not the limit, and that the reduction of interest rates on loans will continue, but because the rate cut is not strong increases in demand.
Potential buyers of apartments - are waiting for further decline in apartment prices and further decline in mortgage rates.
To revive the demand for real estate market, you need to lower your interest rate (and not only for socially significant categories of citizens) to the level of 9% per annum, at least for a few months. (That is, do exactly what they did in 2009, to stop the crisis of the last crisis).
It is funding the developer increased risk for the bank.
Banks actively lend to real estate investors, so they bought an apartment from the developer, becoming participants of shared construction.
But few banks have issued loans for the construction of apartment buildings directly to developers.
Why is this happening?
What are the risks they see banks in financing real estate developers?
What additional risks occur in connection with a possible ban of shared construction? (It turned out to be a topical theme as possible ban of shared construction discussed at the level of the Government of the Russian Federation).
Portal Ipotek.ru Ask the Expert: What are the risks they see banks in financing the construction?
Dmitry Ovsyannikov, director of "mortgage. RU "marked one of the major risks:" When a bank loans to developers, there is always the risk that the apartment in a newly built house can not find a buyer, for example, due to the fact that the house was poorly located. The developer may go bankrupt and then the unfinished house is on the balance sheet of the bank and the bank will have to think about making it as something completed and sell apartments. "
Also Lyudmila Tsvetkova, CFO of "MIEL-Residential Real Estate" drew parallels between the bank and the developer: "The main risk to the bank's risk is similar to the main developer (in the case of the prohibition of share construction) and is postponing terms of raising funds.
For developers postponed the deadline for receipt of funds from co-investors, which leads to problems with covering credit obligations to the bank. Depending on the size of the building and as defined stages of construction, the deadline for the builder will be extended for one or two years.
That is, only after at least one year since the start of the project, the developer will start to receive the first funds.
This is at best. In more complex situations, the beginning of the cash flow can move away for 2-3 years. "
Ponomarev and Emma Sophia Lebedev identified various possible threats to ban banks in share construction.
According to Emma Ponomareva, director of retail operations "Investtradebank": "The main risk - reducing demand, leading to a drop in revenue of developers and the emergence of complexity to the execution of existing credit obligations."
But Sophia Lebedev, CEO "MIEL Development" sounded different: "Naturally, the main risk for the bank is a credit default due to the deterioration of the situation of the developer and its subsequent possible bankruptcy."
The opinions skyrocket risks for banks, if they are to finance developers, not to give money to end users - real estate investors, shared Dmitry Ovsyannikov: "The more risk seeing the bank in financing of these projects, the higher the interest rate on loans: increased risks laid in a bid. The interest rate on mortgage loans to the population - one, and loan business - different: much higher.
That is, the developer financing, bank, judging by the rate at which the loan issue, sees more risks than financing the final consumer. "
The risks that can result in an advantage Sophia told Lebedev, CEO "Miel New": "Along with the increase in risk for banks will rise and risks for developers are commonplace due to the fact that housing will not be sold.
This risk can lead to withdrawal from the market of a certain part of the developers, the beginning of the process of mergers and acquisitions, and then even to monopolize the market the largest group of developers.
And for the banking sector, this situation may even become an advantage. Have proven, reliable builders reduces the risks of the bank. This is the first. Second - it makes it possible to optimize the internal structure. For example, to produce a reduction of the mortgage department with a simultaneous increase in corporate lending department, including the expansion of state investment analysts, appraisers, etc. specialists.
It may also be developed mutual partnership of the bank and the developer regarding the use of barter. Given the fact that the sale of the apartments in the new bank is easier than to contact individuals and selling second homes (for debt), the credit institution receives on hands quickly turns into an asset. "
Dmitry Charikov, head of the Department for Control over the observance of legality in the sphere of housing construction the Committee of the Federation Council of the Russian Federation expressed his views on the possible situation under the prohibition of share construction, banking and finance: "I believe that the coming redistribution of construction market, and believe that the engagement of banks in initiatives related to the abolition of share building, visible to the naked eye. The most desired option for bankers - to build a vicious cycle where the money leaving the bank for the construction or in the form of mortgages, immediately returned to the bank. But for this, you must first destroy the existing mechanism, which, it seems, and launched. "
Association Akon launches associated with informing the citizens and professional community in the field of housing.On the website of the Association of companies serving the property (Akon) to the end of August this year it is planned to create a special section, which will come all the questions related to the subject, and housing problems. Priority Akon is planning to advise and support the professional community: management companies - members of Akon and related representatives of the market of real estate services. However, consumer issues and not be left without attention. Consultants - experienced lawyers, specialists and experts - will carry out consultations online.
The official website of ONF provides information that in the past six months the number of citizens on the improvement of residential areas has doubled, and has secured the stable first place among the causes of discontent citizens of the housing sector. Moreover, many citizens complain that the information concerning the housing sector, they do not have enough people have accumulated a lot of questions that they want answers, homeowners need professional advice. At the same time, there is a clear lack of attention to the problems and professional market participants - management companies serving the real estate, contracting organizations.The project Akon is that the site of the Association until the end of August this year will be a special section, which will come all the questions related to housing and threads, including representatives from the professional community. All questions will be answered and experienced lawyers, specialists and experts will carry out consultations in the online mode.According to the press service of the Association, has held preliminary agreements with such portals dedicated to the real estate market as cian.ru, ipotek.ru, �Moscow apartments�, afy.ru information about placing banners on the link at the top section of the portal of the Association of Consulting , reached an agreement with the Committee for cooperation with the federal authorities in the Federation Council, negotiations are under way with other resources and organizations. In September, as part of the exhibition "Real leaders of 2015", supported by Akon will operate counseling center, where the lawyers of the Association will carry out consultations to visitors and exhibitors.
How to get the approval of the bank for a loan
Choose banking program with the most favorable interest rates - is half the battle, because the more important to get approval: what's the point in a low interest rate at which the loan will, but do not you?By submitting documents to the bank should take into account several factors:1. Clothing should be neat and match the position. Not in the sense that if you, for example, a house painter, you need to be entered in the bank in paint spattered overalls, but in the sense that it is necessary to dress in a clean and neat clothes, almost like a date.If the bank applies for a loan or cheap slovenly dressed and client states that he works as director general, he could not refuse. Moreover, failure to deliver and can be an ordinary bank manager, without additional consideration of documents.
2. Credit history - is an important factor when deciding whether to grant a loan. Damaged credit history - one of the first reasons for refusal in the loan. And be sure to check her bank when considering loan applications.3. Before taking a decision the bank verifies the client and, if the audit reveals a negative or false information, then this client bank fails. Before applying the questionnaire to the bank to check all the written information, especially phone numbers. Bank employees may prozvanivat work and mobile phone numbers for additional verification. Therefore, the phone numbers that indicate someone has to not only answer, and it is advisable not childish voice: "Mommy is not home."4. Before serving documents and the signing of the questionnaire, ask the bank manager to calculate the monthly payments on the loan. Will you be able to repay this amount every month without delinquency? Remember, too, that the bank takes into account the cost of dependents, usually as the subsistence minimum. If there are current loans and credit cards out of your income just as well be deducted monthly payments on them (and most likely, the payments will be deducted in double size, because to get a loan for which you have to pay 10 thousand rubles, making you need at least 20 thousand).5. If you have assets - real estate, automobile, securities, should specify them in the questionnaire. It characterizes you as a borrower prone to hoarding, which is very welcome, and the banks will be a definite plus when deciding on a loan.The approval procedure - is complex. For approval must take into account all the factors (listed here are just a few), or refer to specialists who are not only pick the best program to help with the approval of the loan, and possibly arrange a discount on the interest rate.
Requirements for the pensioner for a mortgage:1. It is no secret that in retirement, many continue to work for a long time. Accordingly, the first requirement - it is the experience at the same place must be at least 6 months.2. Your income must be sufficient to repay the loan and a comfortable existence.3. As a rule, banks are considering pensioners, if they turn to the bank before the age of 65.Mortgage pensioners
Get a mortgage pensioner difficult, but possible.
Of the benefits: the majority of pensioners, unlike young people in the property already has a property, savings and other assets, which is definitely an advantage for a decision on granting a loan.Of the minuses: a short term loan. Most banks lend to pensioners up to 65 years, and only a small number of banks willing to lend up to 75 years old (at the time of repayment of the loan).Life and health insurance of the borrower-pensioner will cost much more than the young man.If you are retired and you need a loan, then there are two options: either to issue a mortgage on their purchasing power relative who is not a pensioner, or seek help from a specialist who will select the bank with the maximum possible term of the loan, comfortable monthly payments and the best interest rate.
The criminal case on the accident - perhaps one of the most difficult types of legal practice. The driver who has violated the rules of the road and caused harm to the health of another person, and witnesses of the incident are often diverge in the testimony, and they do not always do it on purpose.
Blame can be a normal shock, which, however, very difficult to parse circumstances. The situation is complicated when it is clear that an accident may result in criminal liability. There has anyone got nervous!
Judicial practice in cases of accidents
Perhaps jurisprudence in cases of accidents with consequences of varying severity could not be so rich, if pedestrians and drivers to mutually respect each other. But sometimes you can not avoid hitting not out of malice, but for technical reasons.
The driver, who was responsible for a traffic accident, can expect a few types of liability:
Administrative: if the driver violated traffic rules, or if the vehicle had a fault which led to the accident. For this, you can lose the rights, pay a fine, or fall under administrative arrest for up to 15 days (in the cases provided for in Article 12.27 of the Administrative Code).
Civil: If damage (eg damaged car). In this case, the damage will have to repay.
Criminal: if the damage was caused to people (pedestrians, other drivers, passengers).
However, if the victim has suffered slight damage, then the driver has administrative responsibility. The severity of the injury is determined by an expert during the examination or special investigation.
Criminal liability when an accident occurs in the following cases (Article 264 of the Criminal Code):
Part 1: If the fault of the driver's person was seriously injured, the perpetrator shall be punished by restriction of freedom for up to 3 years or imprisonment for up to 6 months, or - imprisonment for up to 2 years, with deprivation of rights under 3 years. However, the rights can not be collected in this case.
Part 2: If the offender was intoxicated and negligently caused grave damage to human health, he shall be punished by imprisonment and the right to operate a vehicle for up to 3 years.
Part 3: If the victim died, the driver will be imprisonment for up to 5 years and the prohibition to operate a vehicle for up to 3 years.
Part 4: if the perpetrator was in a state of intoxication, which entailed by negligence the death of a person, he will get up to 7 years and deprivation of the rights to three years.
Part 5: if the accident resulted in the death of 2 or more persons, the driver can go to jail for up to 7 years and lose the right to operate a vehicle for up to 3 years.
Part 6: If the driver in this case was under the influence of alcohol, then he faces up to 9 years, with disqualification to three years.
In each case, the Court considers the evidence provided and determine the circumstances of the incident and to decide whether or not to satisfy the claim and what legal standard should apply. However, clarification of all circumstances of the case could drag on for a long time, so that there can be very useful assistance of an experienced attorney.
Help a criminal defense lawyer in an accident
The more experience the lawyer in criminal cases is on the accident, the better he will be able to protect your rights. However, even generalists much better than hope for your own luck. He knows the minimum that need and the accused and the victim in the first place: what you need to say, and that - no. Sometimes this is already enough to party a criminal case on the accident are not aggravated their situation.
Of course, we understand that in our country a legal culture is much less developed than in the West, where the man throws himself calls "his" lawyer in the most unimaginable situations. So we do not expect that, got in an accident, people immediately find in my notebook the number. However, a criminal lawyer accident may be involved in the process at any stage, whether it is:
decision to open a criminal case at the very beginning of the investigation;
peer reviews;
investigations;
hearing.
A hundred times wrong the driver who decides to defend himself. Before you give up a lawyer, say, did you know that, by law, a pedestrian generally can not be found guilty of an accident? But the guilty, in the end, there must exist. And how do you think, who they will be? Judicial practice in cases of accidents faced with such situations more than once, and without the help of an experienced lawyer who is rarely able to prove that a collision with a pedestrian could occur, for example due to a technical fault. Of course, in any case, a lawyer will be appointed to the accused, however, whether the culprit be sure that he is in any way interested public defender?
However, not only negligent driver may need legal assistance in a criminal case. The victim is also sometimes difficult to defend their rights. In addition, if you are not satisfied with the decision made by the court, the lawyer will make a statement of claim in the Court of Appeal to appeal, collect all the necessary documents, as well as provide assistance in the organization of various types of expertise.
Needless to say - criminal investigation of accidents are specific and can be very complex. To achieve an equitable solution can be very difficult, so it is important to time apply for legal aid.
19:26:00
Anonymous
