What to do with a military mortgage upon dismissal? Is it possible to buy housing from relatives using a military mortgage? Registration of a military mortgage.

The problem of lack of own housing is relevant for many Russian military personnel. To solve this problem, the state adopted a special law dedicated to the savings-mortgage system for providing housing for military personnel. This law allows military personnel serving in the Russian army not to wait, as before, to receive an apartment after completing their service, but to acquire the necessary housing much faster with the help of a mortgage and government support.

Participants in the state military mortgage lending program

By law, only some military personnel have the right to take advantage of the savings-mortgage system developed for the military.

Mandatory participation in the developed savings-mortgage program is provided for military personnel of the Republic of Armenia who entered into the first contract for military service in the Russian army after 01.01.2005, namely for:

• graduates who graduated from higher military educational institutions;
• midshipmen and warrant officers (with a contract duration of military service of 3 years)
  officers who were called up or entered voluntarily for military service in the Russian army from the reserve.

In addition, voluntary participation of the military in the savings-mortgage system developed by the state is also possible. This opportunity is available to certain categories of military personnel who entered into an initial contract for military service in the Republic of Armenia before 01/01/2005:

• graduates of higher military educational institutions who received their first military officer rank, starting from the beginning of 2005;
• warrant officers and midshipmen whose duration of contract military service in the army will be 3 years, starting in January 2005.

To participate in the preferential military mortgage program, a serviceman must be entered into a special register of participants in the NIS.

This register is a list of persons participating in the state mortgage program for military personnel, indicating information about these participants. Federal legislation determines that the formation and maintenance of such a register of military personnel participating in the savings and mortgage state system falls within the competence of federal executive authorities, in which Russian legislation provides for military service.

As already mentioned, today both voluntary and mandatory inclusion in this register are possible. If a serviceman voluntarily expresses a desire to participate in the program, in order to be included in the register, he needs to write a corresponding report to the commander of the military unit in which he serves.

Inclusion in the register of military personnel occurs 10 days after Rosvoenipoteka receives the relevant lists from military units.

To include a military personnel in the list of those wishing to participate in the mortgage program, you must present:

1. Application for participation;
2. Passport of the military personnel applying for participation;
3. A copy of the contract.

Mechanism for implementing the mortgage program

The main idea of ​​a military mortgage is to replace the state obligation to provide housing for military personnel with the issuance of financial resources for the purchase of this housing.

The state mortgage program for military personnel of the Republic of Armenia gives military personnel the opportunity to purchase an apartment or other housing using mortgage lending at any time after three years of participation of these persons in the savings-mortgage system. Thanks to this program, Russian military personnel receive their own housing without waiting for the end of their military service.

A serviceman included in the register becomes a participant in the mortgage program. After this, he has the right to count on receiving funded contributions from the state, which he can use only in strictly defined cases by the legislator.

Each military personnel participating in the savings-mortgage system opens a special personal savings mortgage account for the state to transfer monthly cash contributions.

Such transfers for military personnel are carried out at the expense of financial resources from the federal budget. The amount of funded contributions is determined by Russian legislation and is indexed annually. The amount of government contributions to be transferred to a military serviceman’s savings account is not affected by his military rank or the branch of the military in which he serves.

At the time of the introduction of the mortgage program for the military, the size of the financial contribution was set at 37,000 rubles per year, and in the current 2014 this contribution is already 233,100 rubles. Accounting and transfer of savings is carried out by the Federal Institution “Rosvoenipoteka”.

Today, there are several options for military personnel to receive accumulated financial resources:

• after 20 years of military service in the Russian army;
• after 10 years of service in the army upon dismissal, including dismissal when a serviceman reaches a certain age, is recognized for some reason as limitedly fit for military service or as a result of a reduction that has occurred;
• at any time after 3 years of participation in the mortgage program for the military by obtaining a targeted housing loan provided to a military personnel who participated in the state mortgage program by Rosvoenipoteka.

Obviously, the accumulated amount in a serviceman’s personal account is not always enough to purchase his own home. Therefore, many military personnel turn to banks lending under the military mortgage program for the missing amount.

The procedure for purchasing housing under the mortgage program for military personnel is similar to conventional mortgage loans. The main difference is that in order to receive a bank mortgage, a serviceman must submit to the credit institution a certificate of participation in the savings-mortgage system.

To exercise his right to a military mortgage, a serviceman who meets the requirements for participants in the state program must:

• get into the register of persons participating in the savings mortgage system;
• after 3 years of participation in the mortgage program, submit a corresponding report to receive a special certificate confirming the right of a military member participating in the mortgage program to receive targeted loan funds for the purchase of housing;
• receive this certificate;
• select suitable residential property that meets the serviceman’s own requirements, as well as the requirements of the Russian Ministry of Defense, credit institution and insurance company;
• apply for a mortgage from a bank that provides loans to military personnel;
• open a special account and transfer available funds from the personal savings account to it, which will become the down payment;
• wait for the bank’s decision and sign the mortgage agreement, which is drawn up between the military personnel participating in the preferential military mortgage program, the bank issuing the loan, and the Federal State Institution “Rosvoenipoteka”;
• conclude an appropriate transaction for the purchase of housing;
• obtain a registration certificate.

Documents for military mortgage

To obtain bank approval for mortgage lending, military personnel usually need the following documents:

• certificate of a military personnel on the right of an NIS participant to housing mortgage lending;
• military ID;
• the identity card of the serviceman applying for a mortgage and the identity card of the spouse of the serviceman, if necessary - the passport of an authorized person who has a notarized power of attorney from the purchaser of the home;
• certificates of marriage by a military personnel (divorce), birth certificates of children;
• a certificate from the management company from the place of registration from the applicant-military and his family members;
• certificate of TIN of the applicant-military;
• certificate of education of a military personnel;
• certificates from the place of service;
• consent from the spouse - if the participant in the military mortgage is married;
• power of attorney - if the serviceman is not personally present at the transaction.

The bank issuing a mortgage under the government program may require other documentation to approve the loan.

Basic program conditions

To summarize the above about the state program, we can highlight the main conditions for participation in a military mortgage:

• the term of the contract for military personnel is of fundamental importance when participating in the mortgage program;
• a serviceman can purchase housing with the help of state savings contributions no earlier than 3 years after concluding a contract;
• a serviceman can himself determine the parameters of the purchased housing and the region in which it is purchased;
• the maximum amount allocated by the state for the purchase of housing for a military man is 2.2 million rubles, and the minimum loan amount for a mortgage issued by a bank is 300,000 rubles. The size of a mortgage loan for military personnel depends on two factors: the size of the savings contribution available in the personal account of the military member of the NIS, and the term of the mortgage. All mortgage loans under the program are issued in ruble equivalent;
• Mortgage loans for military personnel can be issued for a period from 3 to 25 years. The military mortgage loan must be repaid in full before the military borrower turns 45 years of age.

As you know, the housing issue is one of the most pressing not only in Russia, but also in other countries. Military personnel are no exception in this matter. Many families of soldiers and officers are forced to hang around rented apartments for decades without any hope of their own housing.

To correct this situation, the Russian government has developed a special program. It's called "Military Mortgage". What new things have the experts come up with? And how can the new program help military personnel get their own housing? Read about it below.

What it is?

The law making life easier for military personnel was adopted back in 2004. As conceived by the Russian government, this document is intended to provide military personnel with comfortable housing on preferential terms. The program contributes to this

So, military mortgage - what is it and how to get it? Let's figure it out. The essence of the program is that any soldier can write a corresponding report and start saving for his own apartment. 3 years after submitting such an application, you can apply for preferential treatment. The peculiarity of such lending is that the debt is paid not from the military’s own funds, but by the executive authorities. In particular, the Ministry of Defense. There is a whole department there that deals with such issues as mortgages for military personnel. It is on his behalf that money is transferred to a special contractor.

Who will get a military mortgage?

If you are a contract soldier in the Russian army and you do not have your own home, a military mortgage will help you.

What kind of “miracle” is right for you can be determined by the following indicators:

• you are an officer and your contract was signed no earlier than 01/01/2005;
• your service period turned out to be less than 3 years, but you became an officer after 01/01/08;
• midshipman, as well as ensign, and your contract was issued after January 2005, and you served more than 3 years;
• soldier, sailor, sergeant or foreman (the conditions are the same);
• a graduate of a military academy (another educational institution) who received a diploma after 01/01/05 and signed a contract;
• you are a military personnel called up from the reserves.

No other factors, including the presence or absence of spouses, children or registration, affect the ability to obtain a military mortgage. The only condition is that the applicant for housing for military personnel must be a participant in the NIS (savings and mortgage system) for at least 3 years.

Conditions in 2016

Since 2016, there have been some changes in the housing issue for the military. The Russian Ministry of Defense has decided to abandon the practice of issuing housing “in kind,” that is, simply in the form of a house or apartment. Only those army players who signed a contract before 2005 will be able to take advantage of what existed before this moment. All housing built by the Ministry of Defense by this time was intended for them.

All other military personnel can receive an apartment or house on a military mortgage. At the same time, the state decided to dictate its own lending conditions. This means that the conditions for registration in any bank participating in the system will be almost identical. For 2016, these conditions are as follows:

1. Mortgages for military personnel are issued for a maximum of 25 years. At the same time, at the end of this period, the borrower must be no more than 45. So if you are already 40 at the time of registration, you should not expect to extend the loan for more than 5 years.
2. The first payment is at least 10% of the cost of the premises purchased by the army soldier.
3. The loan rate is 12.5% ​​(on average).
4. The maximum possible amount for housing for military personnel is 2 million 400 thousand Russian rubles.
5. It is also possible to repay part of the debt through maternity capital and obtain an additional consumer loan on preferential terms.
6. In order for the loan to be approved, the soldier must have continuous work experience of at least 12 months, 4 of which at his last place of work.

"Military" step by step

If you decide to take part in the “military mortgage” program, the loan will have to be issued in stages. Therefore, let's take a close look at all the “circles of credit hell” of a Russian soldier.

1. Registration of NIS certificate. To do this, you need to submit a corresponding report, which is approved within 2-3 months. After this, the army soldier will be issued a document that is valid for 6 months.
2. Choosing housing. There are no restrictions here; you can choose an apartment or house in any region of the country. But if you decide to use the help of a realtor, you will have to pay for his services out of your own pocket.
3. Determining the place of lending (bank) and signing the agreement. More than 20 banking institutions across the country operate under this program, so it’s worth finding out the conditions in advance.
4. Drawing up an agreement with the Ministry of Defense. Its employees will study all documents and put their signatures within ten days. After this, the money will be transferred to your bank account.
5. Signing documents for the purchase and sale of housing.
6. Registration of documents. It usually takes about 7 days.
7. And only after all this, the targeted funds are transferred to pay off the mortgage.

Differences between military and civilian mortgages

To make it more clear how a military mortgage for a new building or an “old” fund differs from regular housing lending, let’s make a small table.

Are you unsure whether you need a military mortgage? We have already discussed what it is and how to register it. Now let's discuss all the advantages and disadvantages of this

pros

Compared to “civil” housing lending, the interest rate is much lower.

• There are already funds for the down payment.
• Housing can be chosen in any region, and not just where the service takes place.
• You can take part in the NIS regardless of whether you own housing.
• You can buy both new buildings and the secondary sector.

Minuses

However, such a program also has disadvantages. True, they are not that significant.

• Lengthy procedure for concluding a deal. Registration may take more than 2 months.
• To carry out finishing work (if housing is purchased in a new building), you will have to take out an additional consumer loan.
• Housing is registered as the property of the soldier directly, and not of his family members.
• The terms of the program are valid only in case of continued service. Upon dismissal, the borrower is required to repay the loan from his own funds. The only exception is retiring for health reasons.

The possibility of obtaining a mortgage on preferential terms is a program that replaced the free provision of housing to military personnel, which was previously provided.

The essence of this program is that now the state does not provide them with ready-made free housing, as it was before, but pays mortgage payments for them.

The mechanism for implementing the program is as follows:

It is worth considering that the amount that accumulates in a serviceman’s personal account may depend on many factors: the duration of the formation of savings, the level of his salary, etc. It can be used to make a down payment and part of the loan payments. If it is not enough to pay the fees in full, then the borrower will have to contribute all remaining funds.

Features and conditions of receipt

A military mortgage for contract soldiers is a more profitable and convenient option compared to free housing, since it allows you to get it faster, without the need for a long wait in line.

Also, the serviceman is not limited in his choice - he will not be content with the option provided, but will be able to choose the region, city and specific apartment or house on his own.

In addition to participation in the NIS, which is a mandatory requirement for obtaining a loan, the borrower must meet several more.

So, how can a contractor get a military mortgage? To do this, a number of conditions must be met. For example, his age at the time of registration of the mortgage must be at least 22 years, and at the time of its repayment - no more than 45 years.

The terms of a military mortgage for contract soldiers are as follows:

• the maximum amount to receive is 2.2 million rubles;
• interest rate - no more than 12.5%;
• The amount of the down payment is 20% of the cost of housing.

Certain features and difficulties may arise in the event of termination of a contract and termination of military service. In this case, the right to accumulated funds will directly depend on the reason for dismissal - if it is considered valid, the serviceman will be able to use them. Otherwise, he will lose the opportunity to use this money and will be forced to repay the loan himself.

Another significant drawback of the program is the limitation on the maximum possible loan amount. Often these funds are only enough to purchase housing in not very large settlements, while the cost of housing in regional centers is much higher.

However, this problem can be solved at the serviceman’s own expense - he has the right to add the missing amount himself. Subject to these conditions, a mortgage may be granted to military personnel under a contract.

Bank selection

Not all banks offer loans to military personnel on preferential terms, but their list is still quite wide.

As a rule, these are the largest state-owned financial institutions that have many different mortgage programs.

It is worth considering their conditions for obtaining a mortgage for military personnel under a contract, which are presented in table form:

Obviously, these conditions do not have any fundamental differences and are practically the same. The borrower is not limited in any way in his choice and can apply to any financial institution at his own discretion.

It is best to submit documents to several banks at once - this will significantly increase the likelihood of getting a mortgage.

Required documents

When contacting a bank, the borrower is required to provide a certain package of documents, which includes:

IMPORTANT! Depending on the requirements of a particular bank, other documents may be required to obtain a loan. You can find out the exact list only by consulting a bank employee.

Conclusion

Today, a contract mortgage for the military is a controversial transaction, which has both its advantages and certain disadvantages. However, sometimes this is the only way to purchase housing, since mortgage terms for contract military personnel turn out to be more favorable than in general cases.

Military mortgage is a government program aimed at purchasing housing for military personnel within the framework of the savings-mortgage system (NIS). In this article we will consider all the cases that may arise when a serviceman who has taken out a military mortgage is dismissed.

The essence of the program

In order to receive a preferential loan, a military personnel must become a participant in the savings system. The register of participants must include all persons who graduated from a military educational institution and signed the first contract for military service after January 1, 2005. For such inclusion in the register, the fact of receiving an officer rank is sufficient.

Persons who graduated from educational institutions before January 1, 2005 are included on a voluntary basis. The basis for entry is the report.

The essence of the savings system consists in the fact that its participants receive a certain amount of money into their personal account. Their size is the same for everyone and does not depend on rank, position held or length of service. The amount of revenue changes every year as a result of indexation.

• After three years, a serviceman who is a member of the savings system has the right to submit a report for a targeted housing loan (CHL). The result of reviewing the report is that the serviceman receives a certificate. Its validity period is six months from the date of signing.
• After providing the certificate, you need to select a property. A prerequisite is that the purchased housing meets the requirements of the Ministry of Defense of the Russian Federation.
• In order to apply for a loan, you need to contact the bank that operates within the framework of this military mortgage program, and open an account with it, as well as transfer the accumulated funds. This money will be used to pay the down payment. After completing the above steps, the serviceman provides a package of documents necessary to obtain a mortgage. It is also worth noting that housing must meet the bank’s requirements.
• As soon as the application is approved, a CZL agreement is concluded, the parties to which are the military personnel, the bank, and the federal economic institution Rosvoenipoteka. The lender and the borrower, in turn, enter into a separate loan agreement.
• The loan is repaid using state budget resources. The payment amount cannot exceed 1/12 of the military member’s savings contribution.

What happens to savings upon dismissal?

Many military personnel wonder what will happen to their savings if they leave the military. The answer to this question depends on the reason for the dismissal.

Reasons for dismissal may be so-called preferential and others. Preferential reasons for dismissal include various organizational and staffing measures, namely:

1. the serviceman cannot maintain his previous position for reasons beyond his control, and he refuses the offered lower or higher position;
2. the staffing unit where he worked was reduced;
3. the serviceman was declared unfit for military service.

In addition, valid reasons for dismissal include the following:

• health problems that may interfere with the performance of military duties;
• reaching a certain age;
• family circumstances.

If a serviceman who retired for one of the above reasons did not manage to purchase an apartment under the program before his departure, then he has the right to the accumulated and additional funds only if his total term of service exceeds ten years. When, when the length of service is more than twenty years, the serviceman can use the savings in the account at his personal discretion, and he also has the right to additional funds. If the length of service is within 10-20 years can use the accumulated funds.

To receive funds you must complete the following steps:

1. after reading the dismissal order, the serviceman writes an application addressed to the head of the military unit for the transfer of funds from the savings account;
2. the unit commander provides the necessary information about the serviceman to the military command and control authorities, they, in turn, to the FHKU "Rosvoenipoteka";
3. The application can be considered within 30 days, then the money is transferred to the details that the serviceman indicated in the application.

The right to additional funds is available to persons who do not use residential real estate under a social tenancy agreement and do not own other housing.

If such a serviceman managed to purchase a mortgage, then he is not obligated to return all the money to the CJZ, both those that were used for the down payment on the mortgage, and those that were used to repay regular payments according to the schedule and the loan agreement.

The remaining debt after dismissal can be paid off with funds that supplement savings. When additional payments are not due or are insufficient, the serviceman pays off the debt using other personal funds.

The encumbrance on the part of the state is removed upon dismissal, and the borrower decides on the issue of removing the encumbrance on the part of the bank independently after full repayment of the loan.

Upon dismissal of his own free will, due to a violation of the terms of the contract, as well as when the length of service is less than 10 years, the serviceman loses his right to savings within the framework of targeted housing financing. He must return all funds, including the first installment and monthly payments from the federal budget, to the state.

Debt repayment may not be one-time in nature. If a serviceman does not have the opportunity to return all the money at once, then he will do this over a certain period, but not more than 10 years, and in accordance with the schedule formed by the Federal State Institution "Rosvoenipoteka". In this case, the balance of the debt will be charged an interest rate equal to the discount rate of the Central Bank of the Russian Federation. The rate taken into account is the rate that was on the date when the basis for excluding the military personnel from the register of NIS participants arose.

On the part of the state, the encumbrance will be removed from the real estate when the former serviceman pays off his debt in full under the targeted housing financing agreement.

The borrower repays the entire remaining loan amount independently in accordance with the schedule provided by the bank. Accordingly, the encumbrance on the part of the bank will be excluded from the register after full repayment and closure of the loan agreement.

If a serviceman does not repay a debt

In a situation where a former serviceman does not repay his debt under the LLC, the Federal State Institution "Rosvoenipoteka" has the right to forcefully sell the housing that is pledged by applying to the courts. The residential premises will be sold forcibly within the framework of current Russian legislation.

After sale, the proceeds will be used to:

• repayment of debt on CLP and bank loan;
• payment of expenses associated with forced sale;
• legal costs.

If after forced sale and all mandatory repayments there is a balance of funds, then it is credited to the personal bank account of the former serviceman, opened within the framework of the savings mortgage system. In a situation where the proceeds were not enough to repay all payments, the person remains a debtor. The debt is repaid in accordance with the procedure established by law.

What happens when a discharged service member enters into a new contract?

A serviceman who has left military service can enter into a new contract. If military service is provided for by law in this federal body, then the serviceman can be re-included in the register of the savings mortgage system. The basis for this will be a new contract.

If a serviceman was dismissed from his first place of service due to family circumstances, as a result of health conditions or organizational and staffing measures, then the accrual of contributions is resumed. For the period when the person was not in military service, contributions are not accrued. The funds that had already been accumulated before dismissal are used to pay off the debt under the targeted housing loan agreement. If there is a balance of funds after repayment, they will also be taken into account in the new savings account.

When dismissal occurs at will or as a result of a violation of the terms of the contract, the money accumulated in the account is not restored. After re-registration, the funds are used to pay off the debt on the target mortgage loan (if the mortgage has been issued).

Repayment of a mortgage from a bank at the expense of the state budget is possible when the debt on the central mortgage loan is repaid, including accrued interest and penalties.

Thus, the only risk-free option for obtaining a mortgage is the situation when a military personnel has served 20 years or more. Even if a serviceman is dismissed, he will not bear any costs. If the length of service at the time of dismissal is less than 10 years, the former serviceman may be left with debt or lose his apartment. Therefore, when deciding on this option of purchasing real estate, it is worth weighing all the risks. On the other hand, in recent years, real estate prices have been rising at a faster pace than the indexation of payments. Consequently, no one can guarantee that a serviceman will be able to buy normal housing by postponing the purchase until he has served 20 years.

The state has a number of responsibilities to military personnel who have entered into a contract. One of them is to provide the military man and his family with housing for the entire period of service after retirement.

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Relatively recently, the ineffective procedure for providing free housing was replaced by a funded mortgage system.

This made it possible to simplify and speed up the solution to the housing problem for many military families.

Law

The basis for regulating relations between the state and military personnel regarding the provision of housing is the law of August 20, 2004.

To implement its provisions, a number of by-laws were subsequently adopted.

The essence of the innovations is as follows:

• Instead of building houses for the military and further transferring ownership of apartments there free of charge, the state allocates a certain amount for the independent purchase of housing$
• this saves the state from construction costs, and allows military personnel to choose exactly the housing that suits them best.

Conditions

Under the mortgage program for military personnel, you can buy both a city apartment and a country house. It does not matter whether the transaction is carried out on the primary or secondary market.

But when planning to buy a house, you need to remember that the mortgage does not apply to the land plot. That is, the land must be purchased at your own expense.

The loan term is at least 3 years. The upper limit is set by the age limit for military service - 45 years. But also the period cannot exceed the value indicated in the certificate of the right to receive a targeted loan - 15 years.

The loan size also has limitations. Minimum - 300,000.

The maximum depends on how much the service member can accumulate in his mortgage account over all the years. In 2018 this is about 2 million rubles.

Mandatory conditions are the assessment and insurance of the purchased housing. The costs are borne by the borrower.

The assessment is carried out by JSC AHML, and the insurance is carried out by one of the companies accredited by the bank. Life and health insurance is not required, but is recommended.

Accumulation system

Payment for housing purchased by military personnel falls on the state. To do this, each citizen entering into a contract becomes the owner of a special account, to which a certain amount is credited annually until dismissal.

It does not depend on rank or type of military service. Its size is established by Government Decree taking into account the rate of inflation.

Three years after joining the NIS, a serviceman receives the right to a targeted loan and a mortgage. But you can continue saving further, right up to retirement.

It is understood that the amount accumulated up to this point should be enough for a two-room economy class apartment.

Who should?

You can become a member of NIS on a mandatory or voluntary basis. Since 2005, all military personnel entering into a contract must be included in it.

Employees can join voluntarily from an earlier time.

Participants include:

• soldiers and sailors;
• midshipmen and warrant officers;
• sergeants and foremen;
• officers.

Mortgage for military personnel

Civil

A serviceman can pay a mortgage loan using NIS funds even after dismissal.

But only if this happened either after 10 years of service, or for good reasons:

• illness that prevents further service;
• reduction;
• reaching the age limit.

In this case, the loan will be repaid in full or in part from the NIS account.

The interest rate will remain preferential.

Social

Military personnel who retired before the start of the NIS, who are in line for housing, or military veterans have the right to apply for assistance under the Affordable Housing state program.

The repayment of the loan is partially borne by the state. To participate in the program, you must be on the waiting list before 2005.

Rosvoenipoteka

To implement the Military Mortgage program, a specialized institution was created -:

1. It ensures the functioning of the NIS.
2. On its official website, this organization conducts awareness-raising work.
3. In their personal account, NIS participants can find out the status of their savings account and other necessary information.

Which banks should I contact?

Not all banks offer military mortgages. As a rule, these are the largest credit organizations that have been working in the mortgage lending industry for a long time.

The conditions are the same for everyone, but there are some minor differences.

Only NIS participants can use this program.

Sberbank

The maximum amount that can be approved for a military personnel is 1.93 million rubles.

How to calculate?

There are various types of mortgage calculators that allow you to make approximate calculations. This will allow you to imagine how much you can expect and how long it will take to repay the debt.

The convenience of such programs is that by changing the conditions, you can determine the most profitable option for yourself.

But such calculations are for informational purposes only. Placing a loan calculator on the bank’s website does not oblige the bank to offer exactly such conditions to the borrower.

Everything can be finally clarified only with the bank immediately before concluding the contract.

Sum

But you can find out exactly how much money is in your savings account:

1. To do this, you need to go to the Rosvoenipoteka website and register.
2. After this, your personal account will become available.
3. By entering additional data in special fields, you can obtain information on the account status, movement of documents, etc.

These data reflect the actual situation.

Registration procedure

A contract soldier who has received the right to use NIS funds turns to the commander of his military unit with a report. In it, he expresses a desire to receive a targeted housing loan.

The report is registered, the information is transferred to Rosvoenipoteka for document processing.

Once the serviceman has a certificate of entitlement to a mortgage loan in his hands, he can apply with it to one of the banks implementing the Military Mortgage program.