Военная ипотека

Автор: admin  //  Рубрики: Азбука недвижимости

Военная ипотека 1

Военная ипотека

Сегодня позволить себе купить жилье за собственные средства могут единицы. Остальным приходится брать ипотеку. Особенно остро вопрос жилья стоит у государственных служащих, к которым относятся и военные. Специально для них создаются программы, которые помогают получать военнослужащим жилье по льготам. Одна из таких программ - так называемая военная ипотека.

Военнослужащие могут покупать жилье любой стоимости. Также, если не хватит средств, то они имеют право докладывать свои деньги. Для этой цели можно использовать и материнский капитал.

Пока военнослужащий является действующей единицей в армии, кредит за него оплачивают из специальных фондов. Сумма субсидии будет увеличена, если военнослужащий не воспользовался ей во время прохождения службы. Чем больше он прослужит, тем большую сумму получит, когда будет уволен в запас.

Стоимость жилья уменьшается за счет того, что по этому виду ипотечного кредитования не взимаются никакие комиссии. Также процентные ставки по этому кредитному продукту более низкие.

Жилье будет выдано через 3 года после вступления в программу. Государство будет выплачивать ежемесячные платежи все время прохождения службы заемщика. Чтобы полностью погасить заем, нужно прослужить 20 лет.

Деньги можно потратить лишь на приобретение недвижимости. Нецелевое использование средств недопустимо. В случае смерти заемщика они передаются его ближайшим родственникам.

Военная ипотека 2

Если военнослужащий был уволен в запас по болезни, прослужив 10 лет, он имеет право на то, чтобы накопленные средства были ему выплачены.

Их можно использовать как первый взнос в приобретение жилья. Но в этом случае остальную часть долга бывшему военному придется выплачивать из собственного кармана. Уволившись, не прослужив 10 лет, заемщик лишается права получения накоплений.

А если к этому моменту он уже стал участником программы, ему придется вернуть средства государству. Приобретенное жилье остается в его пользовании, но совершать дальнейшие выплаты он будет уже сам.

Военная ипотека находится под контролем государства, поэтому условия ее получения одинаковы везде. С 2015 года условия кредитования несколько изменились. Теперь средства выдаются по двум программам: на покупку квартиры и на покупку частного дома. Сейчас можно купить уже построенное жилье и жилье, находящееся в стадии строительства. Также средства можно использовать на приобретение земельного участка.

Минимальная сумма, на которую можно рассчитывать по этим программам - 300 000 рублей. Максимум не определен, так как он индивидуален для каждого региона.

Первоначальный взнос не будет меньше 10% от стоимости объекта покупки. Процентные ставки на рынках первичного и вторичного жилья разнятся. В 2015 году Сбербанк предлагает 12,5% годовых.

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