Succeed on the last day24.05.2022
Amendments to the law on preferential mortgages for families with children have been adopted. The document has not yet been adopted, but is available in the public domain on the Federal Portal of Draft Regulatory Legal Acts, where you can familiarize yourself with its content.
Recall that now the family in which the second, third or subsequent children were born are entitled to a preferential mortgage rate. For parents of a second child, the reduced rate of 6% will continue for the first three years of benefits. For those who are already raising their third child, the benefit has been extended to five years. You can exercise this right from January 1, 2018 to December 31, 2022. In addition, according to the Minister of Labor and Social Protection of the Russian Federation Maxim Topilin, it is now possible to send money from maternity capital to the initial payment for housing,
However, legal difficulties may arise, or rather likely arise, for parents whose second and subsequent children will be born in the last days of the program – that is, on December 31, 2022 or a few days before. It turns out that such families will have the right to a benefit, but they simply will not be able to exercise it physically – they will not have time to complete all the necessary documents.
The amendments of the Ministry of Finance propose in such cases to extend the benefit until March 31, 2023, so that parents can take advantage of targeted state support. In total, the government allocated 600 billion rubles for preferential housing loans.
47 banks received the right to issue subsidized mortgages, almost half of them are regional. The lion’s share of budget subsidies went to Sberbank – 320.8 billion rubles, 200 billion will be given to borrowers by VTB Bank, in third place is Absolut Bank, which received 46.6 billion rubles from the government.