Mortgage on preferential terms will become more affordable
Head of State Vladimir Putin ordered to make changes and amendments to the conditions programs of concessional lending at the rate of 6% per annum for families in which the second and third babies are born.
Now the program will be able to participate in the families in which the light will appear fourth, fifth and subsequent child.
According to preliminary estimates by experts, the number of potential participants in the state program may increase. for 10 thousand large families.
A father of three children from Ivanovo addressed the president on June 7 with a complaint about the refusal of the bank in concessional lending to the “Direct Line”.
He said that he was going to become a dad for the fourth time, but this would not help to get a preferential mortgage, since the Government’s decree clearly states that only "families in which a second or third child was born" can participate in the program. Since nothing is said about the fourth, bankers refused to lend.
The man proposed to amend the resolution and add the word "follow-up children".
The head of state agreed that this clause of the federal resolution does not meet the needs of families and was drafted with an obvious mistake.
According to preliminary estimates, from the budget of the country for the empowerment of preferential mortgage will have to additionally allocate 9 billion rubles.
Vladimir Putin noted that this amount is not so large when it comes to helping families with children.
The decree on preferential mortgage was adopted in December 2017.
It implies the ability to get a loan for the purchase of housing at 6% per annum (the state pays the difference) to families in which between January 1, 2018 and December 31, 2020 a second or third child is born inclusive.
Preferential terms are valid for three years, after which the rate is set at the level of the Central Bank rate.
Experts believe that many points of the program are incomplete, and therefore commercial banking structures are still reluctant to cooperate with it.
At the beginning of the year, 47 financial organizations received financial limits for lending to families, but in fact only 7 banks issue such loans.
After the amendment, it is planned that the bankers will cooperate more actively with the population and the government.
The timing of the changes has not yet been named, but experience shows that the personal instructions of the head of state in the “long box” are usually not stale.