Conditions for granting a military mortgage

It is quite easy for military personnel to solve the housing problem with the help of a savings-mortgage system. At the same time, you are provided with housing in any city of the Russian Federation from the primary or secondary real estate market.

What do you need to become the owner of your own apartment? First you need to become participants in the mortgage system. Most often, membership is issued automatically or by contract of a military personnel.

According to the stages of the savings-mortgage system, a serviceman can receive the right to purchase an apartment only after three years. However, this period can be extended by continuing to save money.

How much does it cost?

A serviceman does not receive an apartment for free. Funds from a personal account can fully repay the loan payments, but the serviceman must pay the associated expenses himself. These mainly include paperwork, services of a realtor, lawyer and appraiser.

However, on such issues there is a “Youth Construction” project, where you do not have to pay for mediation with realtors.

Under the mortgage system, savings account holders can purchase apartments during the development process. But you can move into such an apartment only after commissioning. You can be sure that you are getting quality housing, and you will not have to make repairs or remodeling. If you have chosen a rather expensive apartment and you will not be able to pay from your savings account. You can use your personal savings, this is legally possible.

Features of the loan

The state purchases an apartment for a serviceman. You just have to choose your future home and the bank, which, according to the mortgage system, is obliged to issue you a loan secured by an apartment. According to the savings-mortgage system, after three years the required amount for the down payment for the loan is in the personal account. Next, your loan must be repaid by the state, and you become the owner of the apartment. The only thing is that you do not have the right to resign from service. If this happens, the mortgage system stops working and then the owners will have to pay off their property. The exception is dismissal for health reasons. The down payment on the loan should not exceed 10% of the cost of the apartment. You can also repay the loan early.

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Until recently, in order to get their own housing, officers had to stand in line to receive an apartment, like other citizens of our country. At the same time, having rejected an unsuitable option, they could find themselves back at the “tail” of the list.

In order for military personnel to be confident in the future and know that they and their families are guaranteed to receive housing of their own choice, in the coming years, and not at the time of retirement, and also in order to attract young people to serve in the army under contract , the Ministry of Defense and the Government of the country developed a funded system, which began to operate in 2005.

The savings-mortgage system allows you to become the owner of your own home in the first years of service.

The system includes all aspects of this issue, including legal, financial and organizational relations. Military personnel of any branch and rank can use the program. All issues are regulated Federal Law “On the savings and mortgage system of housing for military personnel” No. 117. The law reflects the main goals of the program, the principles of its operation, the requirements for participants, the formation of the register, inclusion and exclusion from it, as well as the mechanism for implementing the program itself.

The system implies creating a list (register) military personnel who entered the program. A separate personal account is opened for each person, where monthly savings contributions are transferred. Afterwards, a loan can be provided from federal budget funds, its amount is equal to the funds that a program participant could collect from savings contributions, subject to service for at least twenty years. Funds are paid up to three months after the participant submits the application. According to the law, you can use the program just one time.

Funds are accrued based on the Government Decree of November 7, 2005 “On the procedure for functioning of the savings-mortgage housing system for military personnel” No. 655.

In addition to Federal Law No. 117, “military mortgage” is based on some provisions and resolutions of the Bank of Russia, the law “On the status of military personnel”, “On mortgage (pledge of property)” and other regulations.

Implements the operation of the program Federal State Institution "Rosvoenipoteka", which reports to the Ministry of Defense.

Procedure for financing and accrual of funds

During the entire period of service, monthly contributions are taken into account in the personal accounts of program participants.

Their amount cannot be constant: annually indexing occurs taking into account the inflation rate. Thus, in 2005, from the beginning of the program, it amounted to 37,000 rubles per year. In 2014, due to the crisis, indexation decreased, and in 2016 the government completely refused to index contributions. The military personnel immediately felt this on themselves, since as a result they “owed” credit institutions up to 1 million rubles. indexation has resumed, and today the amount of the annual contribution is 260,141 rubles.

In addition, income from investing funds is credited to personal accounts every quarter. The selection of companies that will manage funds and invest them makes "Rosvoenipoteka". The military personnel themselves cannot influence this, since until the moment of payment the funds do not belong to them.

Who can become a participant

Military personnel of different categories can join the program, regardless of rank and branch of service.

Submit a report about participation in the “military mortgage” can:

In a programme do not participate military personnel transferred to the reserve due to retirement after 01/01/2005. For them, the Ministry of Defense has adopted a different housing scheme.

After three years of participation In the program, a serviceman can purchase an apartment using funds accumulated in a personal account. At the same time, he can choose a property in any location, without tying it to the region of service. The choice of housing is also not affected by the presence of another real estate property, the composition of the family and the area of the purchased apartment or house.

Participants' rights

After a system participant has served under a contract for three years, he has the right to dispose of the savings collected in his personal account.

They may be spent for the purchase of any home with a mortgage or using a targeted loan. In addition to mortgages and borrowed funds, military personnel can use this money to purchase housing without using a loan or spend it on improving existing housing conditions.

When purchasing a home on credit, a serviceman can expect to receive 13%.

Along with a “military mortgage,” any other “civilian” loan product can be used if the applicant does not have enough NIS funds to purchase the desired property. Moreover, if a service member has a mortgage, he can use the funds accumulated in his account to pay off the existing mortgage.

In the event of a divorce, housing purchased with NIS funds cannot be divided, since while the serviceman is a participant in the program, the apartment or other type of residential real estate is pledged simultaneously to both the bank and the Ministry of Defense.

Regarding the rental of empty housing purchased under a “military mortgage”, if this clause is not specified in the contract, in order to rent it out you will need the consent of the credit institution with which the apartment or house is pledged.

Loan repayment procedure

Funds from the military savings and mortgage system are used to repay a targeted housing loan. All funds collected in the account by the time the loan is issued are used to make the initial deposit. All obligations for the remaining payments on the loan are assumed by Rosvoenipoteka.

You can only spend money for such purposes:

acquisition of residential real estate on collateral;
making an initial payment on a mortgage loan and further payments to repay the debt;
acquisition of residential real estate under an equity participation agreement.

Housing purchased using “military mortgage” funds becomes the property of the serviceman, but remains pledged to the bank and the military department until the end of the payment period.

In order to purchase housing under the program, you need to complete the following: actions:

The program participant must understand that by joining it, he must serve in the Armed Forces for at least 10 years. If after this period he retires, he will have to pay off the remaining mortgage debt on his own, without the participation of budget funds. Those who have served for 20 years or more are in a much more advantageous position: the entire loan debt is paid off through the program, so it is better for military personnel to join it earlier and start using the funds.

In addition to 20 years of service, targeted use of funds is possible if the serviceman has reached the end of service or was dismissed due to staff reduction; in case of death or recognition as missing; due to the onset of disability (in this case, the balance of the loan debt will be repaid not from the funds of the military family, but from the regional budget according to the state’s obligations to the NIS participant).

Registration number and verification of savings

All military personnel participating in the program receive a special number indicating their registration in the registry.

To do this you first need to write an application addressed to the head of his military unit. After this, the candidate submits information about himself to the regional branch of Rosvoenipoteka, where the participant is registered and assigned individual registration number of the participant. It is necessary in order to open a special account in which funds will be collected and receive information about their receipts and expenditures.

Notification of the assignment of a number to each military personnel is sent by official mail at the place of service. If three months after writing the report, the notification has not arrived, you can find out your number in the personal card of the military man in your unit. If the card does not contain information about IRNU, then you need to submit a report to the leadership and make an official request to Rosvoenipotek and the housing department to which this military unit belongs.

After registration, you will be able to control the status of your account through your Personal Account on the portal of the registering authority.

Restoring a lost certificate

If you lose your NIS participant certificate, you need it as quickly as possible restore. This is done according to the same scheme as the initial receipt.

A report is written to the leadership of the unit, which includes information about the serviceman’s passport, registration data in the system: date and individual number. The report in the unit must be assigned a registration number and an entry about this is made in a special journal. After that within 30 days a new certificate must be obtained.

The recovery status can be checked via the Internet; in the appropriate section you will need to enter your data, after which the system will find all the information about the readiness of the document. You can also check your account status in the same way.

Service housing

At the place of service, the soldier and his family must be provided with housing for three months after arrival at the unit. It is temporary and subject to transfer to the state after transfer to the reserve.

If, simultaneously with receiving official housing, a serviceman owns an apartment in another region or locality other than his place of service, which he purchased using a “military mortgage”, the right to use municipal housing remains with him.

The same applies to the case when a military man applying for departmental housing becomes a participant in the NIS. According to the law, the presence of living space (municipal or private) is not an obstacle to participation in the program.

The benefits of participating in the system discussed are described in the following video:

Welcome! Today we will talk in more detail about the savings-mortgage housing system for military personnel, how savings mortgages help military personnel realize their right to housing from the state.

The savings and mortgage system for military personnel was created with one main goal - to help military personnel and their families acquire comfortable housing with the help of mortgages on preferential terms. Let us examine in more detail the features of the implementation of the state program with the participation of NIS.

On behalf of the President of the Russian Federation, in order to realize the rights to own housing with the help of a mortgage for military personnel, in 2005 a savings-mortgage system (NIS) was developed and began its work. For this purpose, the Federal State Institution “Rosvoenipoteka” was created, the main functions of which are:

posting on the official website all necessary information for the population;
preparation of documents and certificates;
maintaining a register of participants;
accounting of all savings in accounts;
implementation of measures aimed at obtaining funds for military personnel;
other functions provided for by law.

All functioning of the savings and mortgage system is regulated by the following regulations:

Federal Law No. 117 “On the NIS of housing provision for military personnel” dated August 20, 2004.
Civil Code of the Russian Federation.
Housing Code of the Russian Federation.
Decree of the Government of Russia No. 655 of November 7, 2005 “On the procedure for functioning of the NIS of housing provision for military personnel.”

The main one, of course, is 117-FZ, which establishes the responsibilities, rights of the parties involved, features of the targeted expenditure of funds and other restrictions and opportunities.

The essence of the NIS lies in monthly subsidies from the federal budget to the personal accounts of military personnel participating in the system from the very moment of registration/receipt of a confirming certificate. The balance of funds in each account is determined by the total term of participation and the established contribution amount.

You can use the money accumulated in the account only after 3 years from the date of its opening to pay the down payment on the mortgage or pay off part of the current debt under the loan agreement.

Military mortgage allows NIS participants to buy an apartment or a separate house in both the primary and secondary real estate markets. The acquisition of land for the purpose of further construction under this program is not permitted.

How to register with NIS

In order to become a participant in the NIS, a serviceman must meet the categories of military personnel entitled to receive a military mortgage established by 117-FZ. These categories include:

military personnel with the rank of officer who entered into their first contract for service in the RF Armed Forces after 2005;
warrant officers, midshipmen and petty officers with a contract duration of more than 3 years;
soldiers, sailors, sergeants with a repeat contract concluded after the start of the state program.

The registration procedure itself in NIS is carried out in two ways:

automatically (the register and lists of military participants are formed in educational institutions and upon concluding a contract for service without the participation of the military man himself);
using an application (military personnel who do not fall under the requirements of federal legislation can, on their own initiative, submit a report addressed to their immediate superiors with a request to become a member of the NIS and subsequently receive a preferential mortgage).

If the outcome of the case is positive, the applicant will be included in the register and will receive a supporting certificate. After this, Rosvoenipoteka will assign the military man a unique identification number (registration number of a participant in the savings-mortgage system) and open a personal savings account, to which government funds will then be credited.

How the personal account of a member of the NIS institution of the Federal State Institution Rosvoenipoteka works is discussed in detail in the next post.

Participation in NIS and use of savings

The legislation annually establishes the amount of the NIS contribution, which will be transferred to the military personnel to his personal account. The transfer is carried out by dividing this amount into equal 12 parts - that is, for each calendar month. In 2017, the contribution of the savings-mortgage system is 260 thousand rubles. This amount is subject to annual indexation and adjustment taking into account inflation, but since 2016 it has remained unchanged. This is due to the unfavorable economic situation in the country.

After three years of participation in the NIS, when there is already a sufficient amount in the account, the serviceman will be able to use these funds to apply for a targeted housing loan under the preferential “Military Mortgage” program. In summary, the process of implementing the NIS program is as follows:

Choosing housing

Since 2016, military personnel have been given the right to independently choose the property they are purchasing, including the area of the city or town, house, number of floors, layout and area. But naturally, there are a lot of restrictions imposed both by Rosvoenipoteka and banks. Housing must be included in the list of facilities accredited by these structural divisions (you can find out more specifically on the websites or in person) and meet the established requirements. Such requirements include the permissible level of wear and tear of the building (for the secondary market), the presence of necessary communications, compliance with all social and sanitary standards according to the Housing Code of the Russian Federation, etc. It will not be possible to buy dilapidated housing subject to demolition or reconstruction, as well as apartments with illegal redevelopment . No one will give such permission.

Studying offers in banks

NIS participants will be able to obtain a mortgage loan only from certain partner banks. Currently, 13 largest Russian banks are implementing such programs, including Sberbank of Russia, Gazprombank, Rosselkhozbank, Svyaz Bank, Zenit Bank and others. The lending conditions in them are quite similar, but there are still some differences. They relate to the interest rate, type of payments, the need for insurance and the requirements for the borrower. Before making a final choice in favor of a specific lender, the client is recommended to study the loan parameters in detail and use a visual mortgage calculator, which will allow you to estimate the final cost of the loan in advance and in case of force majeure (for example, dismissal) be prepared for such a financial burden.

Preparation of a package of documents and submission of a loan application

Along with the NIS participant certificate, the military man will have to provide the bank with a minimum set of documents, including a Russian passport, an application form and documents for the purchased property. Some banks may additionally require a marriage certificate, SNILS, consent of the spouse to receive a loan and transfer of housing as collateral. For secondary real estate, it will be necessary to provide a report on a professional assessment of the property (the assessment is carried out at the serviceman’s own expense).

Submitting the submitted application to the Credit Committee and making a final decision

Like any other mortgage application, an application for a military mortgage is considered at least 5-7 days, since a thorough check of the provided documents and real estate, in particular, is required. The maximum duration for making a decision does not exceed 14 working days. After this, the final decision will be immediately announced to the client.

Conclusion of a purchase and sale agreement

If the bank makes a positive decision in favor of the potential borrower, then the next stage will be the conclusion of a tripartite purchase and sale agreement between the buyer (NIS participant), the seller and Rosvoenipoteka. The contract must stipulate in the clause on the procedure for payment for the purchased housing that the transfer of money will take place using borrowed funds.

Conclusion of a mortgage agreement

The mortgage agreement is concluded after agreeing on all details and terms of registration with the bank and Rosvoenipoteka. A payment schedule will be a mandatory annex to the agreement. After signing the contract and schedule, Rosvoenipoteka will transfer the amount of the down payment to the account of the real estate seller. All operations by this body are carried out exclusively in non-cash form, which allows for maximum transparency of all procedures. All terms for receiving money are set out in detail in the mortgage agreement. As soon as the government agency transfers the money to the seller, the remaining amount will be credited by the creditor bank.

Fulfillment of loan obligations by the borrower

The current payment schedule details the terms of repayment of the client's debt, broken down by month. The repayment scheme is such that every month money from the budget is received into the military account as part of the annual contribution, which is written off as payment under the concluded mortgage agreement. Since the contribution amount can be adjusted, the schedule will also change accordingly. The new schedule is sent by Rosvoenipoteka to each borrower, or can be obtained directly from the bank.

If the monthly payment from the state budget is enough to service the mortgage debt, then the serviceman does not contribute any of his own funds. If not, then the remaining part is paid by him. The agreement also allows for repayment of the debt ahead of schedule in full or in part.

Pros and cons of the savings-mortgage system

The NIS, as a proven effective measure of state support, has many obvious advantages. Among them:

the opportunity to obtain housing almost immediately after entering the service, without waiting for long years of service and retirement;
permission to participate in the program even if the military man and his family have their own housing;
equality of annual contributions for all ranks and ranks of military personnel, without any discrimination;
the ability to independently select the property to be purchased (district, area, layout, number of floors, etc.);
preferential lending conditions (lower interest rates) and loyal attitude towards borrowers;
possibility of early repayment of debt.

But there are also disadvantages:

limitation of the maximum amount (up to 2.8 million rubles);
the need to contribute your own funds to pay additional expenses (for an assessment report, purchase of an insurance policy);
bureaucracy and lengthy processing times by government agencies;
exclusion from the register and requirement to return all savings in case of dismissal.

In general, participation in the savings-mortgage system is an effective financial form of assistance to military personnel with families who do not have their own housing. This is a good alternative to the previously used program to provide this category of citizens with ready-made housing, which did not differ in comfort and desired living conditions.

You can learn more about how savings mortgages work in different banks from a special post.

Our mortgage lawyer is ready to support you with any questions. Fill out a special form on the website with your question.

We will be grateful for your rating of the post and reposts.

The state military mortgage program was developed by the competent authorities on behalf of the President of the country. The Federal Law on Military Mortgage (117-FZ) was adopted in 2004. To ensure the full functioning of this system, a structure was specially created, which is under the jurisdiction of the Ministry of Defense of the Russian Federation.

After 3 years from the moment of inclusion in the savings-mortgage system, the participant has the right to apply for a loan from a bank for (or a private house on a plot of land). The funds accumulated by this time in the serviceman’s personal account act as a down payment on a mortgage loan. Subsequently, the state monthly transfers 1/12 of the annual savings contribution to repay loan obligations.

The step-by-step process of buying an apartment in a new building or on the secondary market using a military mortgage is as follows:

The serviceman is included in the register of NIS participants (mandatory or voluntary, depending on your military rank, the date of entry into military service and the period of military service under the contract at the specified time). Confirmation of inclusion in the register of NIS participants is a Notice of inclusion in the register with a 20-digit registration number of the NIS participant.

Based on his report, the serviceman is issued the appropriate amount for the purchase of an apartment on a military mortgage (or houses on a plot with a military mortgage), a special bank account is opened. A transaction is being made to purchase a residential property.

Every year the state transfers funds to the serviceman’s account, the amount of which is approved by the federal law on the federal budget for the corresponding year. In 2015 and 2016, payments amounted to RUB 245,880. Military mortgage contribution in 2017 - RUB 260,141. In 2018, the savings contribution was approved in the amount of RUB 268,465.60. If a serviceman has a loan and bought an apartment using a military mortgage, monthly funds from his personal account are transferred to the bank to repay loan obligations. After the loan is repaid, the funds will again begin to accumulate in the personal account of the NIS participant.

Two options for NIS participants to purchase their own real estate

The state military mortgage program offers military personnel to purchase apartments or houses on the site through two strategies:

Applying for a military mortgage - that is, using accumulated funds in the form of a targeted housing loan (CJZ) during military service, and, if desired, apply for a mortgage loan from an NIS partner bank to purchase an apartment or house on a plot with a military mortgage with the desired characteristics.
Accumulate funds in a personal account until the right to use them arises; upon the onset of this right, use them, if desired, making up the amount missing to purchase the apartment with your own funds.

How to become a member of NIS and buy an apartment with a military mortgage?

To become a member of NIS, for the most widespread category of the system (sergeants, foremen, soldiers and sailors serving under contract), it is enough to serve in the army for three years and prepare a report on your desire to be included in. The NIS program does not limit the military man in any way: he can buy almost any type of real estate with a military mortgage at his discretion (exception - land without a house).

There are also no restrictions on area. An NIS participant can choose real estate in any region of the country; the program does not in any way tie him to the region of service.

An important positive aspect of the system is the fact that a serviceman having his own housing (or his family members) is not an obstacle to purchasing housing with a military mortgage. This restriction was in effect in the old housing system, which was imperfect in this regard.

If a NIS participant purchased housing not at the place of military service, he retains the right to official housing.

Thus, military personnel who bought apartments in new buildings or a secondary fund with a military mortgage can receive income from renting out their real estate.

Key concepts of the savings-mortgage system

Related materials

Savings contribution - funds that are allocated from the state budget and transferred to the personal savings account of the NIS participant. The amount of the savings contribution is reviewed annually by the state. For all NIS participants, its size is the same, regardless of family composition, military rank and other factors.

Personal savings account of NIS participant is a form of analytical accounting that includes information about funded contributions that are regularly received from the federal budget. Also, this form of analytical accounting reflects the amount of income from investment activities. In addition, this account reflects information about the participant, information about his debt and obligations secured by collateral.

Military mortgage for warrant officers, officers - where to start?

Warrant officers and officers today are a mandatory category of NIS participants. That is, for most of them (with rare exceptions) the right to choose the form of security is not provided for by law at all: only NIS is possible.

In this regard, the main task of any warrant officer is (midshipman) or an officer in the matter of their housing provision - to control their timely inclusion in the register by responsible officials of the military unit.

Only timely inclusion can ensure a sufficient amount of funds in the personal account for full security using a targeted housing loan for the purchase of an apartment with a military mortgage or a house on a land plot.

These are funds that are provided to the NIS participant on the terms of returnable gratuitous or returnable use.

Military personnel who want to become members of the NIS, but do not know how to do it, will be helped by “Military Relocation”. We will tell you whether you have the right to a military mortgage, and how best to exercise this right.

Mortgage for military personnel

The agonizing wait for a roof over your head for a long time was very important for military personnel. They had to wait for their own apartment for decades, being content with temporary government-owned corners in closed towns or in a hostel.

Today this issue is being successfully resolved in a positive direction. The savings-mortgage housing system for military personnel has been operating in Russia for the eleventh year. This is a set of various measures that are aimed at ensuring that representatives of law enforcement agencies receive their own housing. The essence of this system, which is enshrined in the Law of the Russian Federation of August 20, 2004 No. 117-FZ, its advantages and features, will be described below.

Purposes of military mortgage

Until recently, a military man, regardless of rank and position, could get the coveted square meters only after many years of standing in line for an apartment. Constant moves associated with service led to the fact that the military man, upon retiring, was left without a roof over his head. The new savings mortgage system for military personnel allows them to find their own home while still in service, and in a fairly short period of time.

The goals of a funded military mortgage are to perform the following tasks:

Monetization of a serviceman's right to living space. Using a certain amount that the state guarantees to him, a person gets the opportunity to choose his place of residence, the type, quality and area of the property.
A person with shoulder straps receives the right to membership in the savings-mortgage housing system for military personnel after three years from submitting an application.
Interest of young people in serving under a contract. In addition, this encourages specialists with experience, who are needed in military units, to remain in the army.
Freedom to choose where to live. Often, in remote garrisons, security forces were offered extremely unprofitable options for houses or apartments when their turn came. Rejection meant moving down the waiting list. The new law provides for the use of funds to purchase housing at any time and in any district of the country.

Important detail: Please note that the state guarantees a roof over the head of the defender of the fatherland. A fairly significant amount is allocated from the budget for these purposes, which increases annually depending on inflation.

Principles of the military savings mortgage system

Principles of the mortgage system

The savings mortgage system for military personnel is not gratuitous assistance or charity on a state scale. In order to take advantage of its benefits and advantages, there are certain rules and restrictions.

Here's what they are:

Representatives of all branches of the Russian military who began active service (signed a second contract) after the law came into force (01/01/2005) can take part in the savings mortgage. In order to become a member of the NIS, you must submit an application in the prescribed form.
Funds are transferred to the security officer’s personal account annually. The size of regular transfers is equal to the price of 3 m² of an average apartment in the country. According to this calculation, after 20 years of service, savings will reach an amount that is enough to buy a two-room apartment, cottage or small house.
A participant in the savings mortgage system for military personnel loses the right to receive funds transferred to him if he was transferred to the reserve after serving less than ten calendar years. This rule does not apply to those persons who left the service for family reasons, health reasons or due to staff reductions.
A military man can use public funds after three years of being registered with the NIS. For this purpose, a mortgage loan provided by one of the banks is used. The collateral in this case is real estate. Payments to the bank are made from the security officer’s personal account.

An undoubted advantage is that after taking out a savings military mortgage, a person stops worrying about the future regarding housing. At the same time, he is forced to serve until he reaches the age limit. The fear of being fired early forces him to do this in good faith. A situation is emerging that is beneficial to everyone - the serviceman and his superiors. The Armed Forces as a whole benefit.

Subjects of the funded mortgage system in the army

The savings mortgage system for military personnel involves the participation of a wide variety of categories of security forces.

So, on full legal grounds, the following can take part in a military mortgage:

Graduates of higher military educational institutions who received their first officer stars after 01/01/2005. At the same time, graduates of military universities who signed the first contract before this deadline can submit appropriate applications.
Officers who were called up from the reserves for active military service after 01/01/2005. To register, they must enter into a contract.
Military personnel with the rank of warrant officer (midshipman for sailors), if at the time the law comes into force, they have at least three years of service.
Sergeants (petty officers) and soldiers (sailors) who signed a second contract after January 1, 2005. The military savings mortgage system gives them a very real chance of owning their own home after 8-10 years of mortgage membership.
Specialists who graduated from civilian universities and received officer's shoulder straps after the military department. The category of graduates who received assignments to military units and who signed contracts is taken into account.
Officials who have been awarded officer ranks in connection with occupying a position where the staff of the military unit provides for the officer to remain. At the same time, it must serve after this for at least three years, starting from 01/01/2005.
Officers who received primary military ranks after completing the relevant courses. The period of service in an officer position upon entry into force of the law must be no more than three years.

A serviceman can begin the procedure for purchasing housing as personal property at any time after he acquires the right to do so. That is, after three years of membership in NIS. It all depends on whether the military man has the required amount of funds to make a down payment. At the same time, he is not obliged to be tied to the locality where his part is stationed. In addition, a security officer can purchase a multi-room apartment of any size, regardless of family composition.

On a note: The savings mortgage system for military personnel does not apply to military pensioners who were transferred to the reserve before 01/01/2005. Providing housing for this category of pensioners is carried out under a separate program.

Conditions and methods of using savings for their intended purpose

Using savings

Having entered the military savings mortgage system, the defender of the fatherland must initially understand that from that moment on he will have to serve for at least 10 years. It is much more profitable to serve the pension minimum, which is 20 years. In this case, you will not have to pay the balance of the mortgage, which may be too large for the laid-off person.

Joining the NIS is not an overly complicated undertaking.

The sequence of actions is as follows:

studying the procedure and rules of military mortgage;
submitting a report on command to join the savings mortgage system for military personnel;
obtaining a document on membership in NIS;
making a decision to purchase real estate;
selecting the bank that will be the lender;
receipt of settlement documents indicating the maximum loan size and the amount of the down payment;
selection of housing that meets the established parameters;
achieving preliminary agreement with the owner of the property for its sale;
drawing up a loan agreement;
signing an insurance contract;
registration of a housing purchase and sale agreement;
transfer of completed documents to the territorial body of Rosvoenipoteka for registration and start of repayment of the mortgage loan.

Attention: The undoubted advantage of a military mortgage is that a person who has put on a uniform can find a roof over his head already in the first years of service, without spending his hard-earned money on renting housing. At the same time, he has full right to choose the size, type and quality of the home.

A certain disadvantage of the NIS is the relatively small size of the loan issued and a significant amount of the down payment. This forces the military to use their own funds and ask their relatives for financial assistance.