You are a young, loving family. And everything is fine with you, only there are certain problems with housing - a small footage, dilapidated walls. Or it is absent as such. It is believed that a mortgage can serve as a way out of this situation. But what exactly needs to be done to get in line for it?
Instructions
Step 1
Understand all sorts of terms, names and laws that you will have to face. For example, in Russia there is a program called “Affordable Housing for a Young Family”, which takes care of the living conditions of citizens and provides improvements in the form of benefits, and separately Sberbank has created a project “Mortgage for Young Families”, which helps to pay off various types of loans for real estate.
Step 2
Familiarize yourself with the conditions set for obtaining a social mortgage. Know that if you own any real estate, you will most likely be refused. In this situation, there is only one option - to prove that the property is unusable or too small.
Step 3
Take a list of documents you need to submit to the institution that will decide the fate of your mortgage. For a young family, this list will consist of documents proving the identity of each family member, a marriage certificate, an act that the family is really recognized in need of better housing conditions, confirmation of the family's ability to pay, an extract from the house book, a copy of a personal account and a direct application for mortgage in duplicate.
Step 4
Apply to your local government. Having received a receipt in exchange for the documents handed over, wait until the appointed time. Typically, the institution takes 30 days to review the housing issue. After the expiration of the term, a verdict is issued on whether you are accepted for registration or not.
Step 5
Wait until the list of families recognized as participants in this program is formed and transferred to the constituent entities of the Russian Federation. It is from there that your documents will go to Rosstroy, which is the customer of this state program.
Step 6
You proceed to the direct repayment of mortgage loans, purchase of living space or land, after the issuance of a special certificate to you, which means the transfer of budget funds to the account you specified.
