Assistance for families with children. How to get a mortgage under 6 percent?
If a family already has a loan for housing, the rate can be reduced in 2-3 times.
The government has developed the conditions under which families with children can receive social mortgage under 6%.
That such a program will appear in the coming year, became known at the end of 2017 is one of the measures to boost the birth rate in the country. Last week the government finally issued a clarification and approved the rules of granting to banks of grants by which the state will compensate them for the difference between the actual and preferential rates. If the mortgage under 11%, then the family would pay 6%, and the remaining 5% of the Bank will reimburse the state budget. According to calculations of the Ministry of construction, for these purposes from the Treasury will have to spend 600 billion roubles.
Someone laid a soft loan?
“The families whose second child is born from 1 January 2018 to 31 December 2022, will be able to obtain a mortgage loan at 6% for 3 years (further subsidies will be terminated and the percentage increases to real. — Ed.). If a family in this period appears a third child, preferential credit is provided for 5 years, — explains the Minister of construction and housing Mikhail Men. — If the family already has a loan that she took a higher percentage, she will be able to refinance at a lower rate to 6%. But this will not all of the family, and only those in which the 2-nd or 3-rd baby born 1 January 2018 Think this is a good help for families with children, the opportunity for them to improve their living conditions. For the construction industry the program will also be good support”.