The mortgage is for the poor inmortgage lending, some of which cost money pays gosudarstvo.Tsel of the mortgage - this is the improvement of the living conditions of certain categories of citizens.
mortgage rate for the poor is 18 sq.m. housing for each person, if the person is not able to purchase a property with a commercial mortgage.
In the mortgage program for the poor, people who are in the queue for the purchase of housing, living space is offered at a reduced price.
This program is open to the budgetary workers, soldiers and young families.
Social mortgage is divided into several types of state aid:
-Low Interest on the mortgage by the State
-particle Subsidy for the purchase of nedvizhimosti-
-Providing Public living area of the mortgages at preferential usloviyam-
-Regional Program of social mortgage.
Currently, the most common mortgage variatntov for two needy citizens. Phe first provides for the purchase of housing,built at cost, which means that the price for it in more than two times lower than the market. The second option is to grant subsidies for the purchase of housing in the mortgage market price.
Of course, the options presented dopurchase of real estate is much more affordable compared to the market conditions. However, this type of mortgage has its own peculiarities. For example, you can not buy a private house or flat in the secondary real estate market. State aid applies only to the purchase of an apartment in a new building.
Also, before you get a mortgage forpoor people, it is necessary to prove that it is right. To do this, you need to collect the documents, which should be given to the municipality. For registration of mortgages for the poor, will need to spend a lot of time and effort. This is due to the fact that the state can not provide the property for everyone. In addition, not all borrowers are trustworthy.
Mortgage loan for young people
The essence of this mortgage is to purchase real estate at cost with the help of a mortgage. Young families with children are eligible to receive a subsidy of up to 40% of the cost of an apartment in the mortgage. The subsidy in this case will depend on the age and number of children.