Mortgages and loans for disabled people of groups 1, 2, 3 in Sberbank

The legal topic is very complex, but in this article we will try to answer the question “Mortgage with a disabled child, benefits 2020.” Of course, if you still have questions, you can consult with lawyers online for free directly on the website.

• the subsidy is provided not only for new loans, but also for existing loans;
• part of the interest is paid by the state, and the remaining rate is paid by the borrower;
• You can take out a loan at 6% per annum or at 5% for residents of the Far East;
• a child with a disability group must be born before December 31, 2022;
• disability was recognized later - participation in the program can be accepted over the next five years.

There are also regional assistance programs. They include the provision of housing for families raising an incapacitated child and the right to receive land ownership without waiting in line. If you have severe mental illness, real estate is provided under a social rental agreement, and rental costs are also compensated. And any living space given to such a family must be equipped with special devices that simplify the child’s life.

Under what conditions is a preferential loan provided?

You can use a mortgage for families with disabled children over the next three years. Preferential interest applies to the entire loan period. But if the child was born before the end of 2022, and was diagnosed with a disability later, then the period for applying for a loan at a reduced rate is extended until the end of 2027. There are other subsidy conditions that you need to be aware of.

• have Russian citizenship and appropriate registration;
• the child was born disabled or became disabled as a result of some incident/illness;
• the disability status of a disabled child is officially formalized;
• In addition to the disabled child, the family is raising two or more children;
• the parents of a disabled child do not have housing or it does not meet the standards;
• guardians of a disabled child meet the age limit - 21-75 years;
• parents have an excellent credit line;
• the potential borrower and co-borrower have income sufficient to make monthly payments;
• the state approved the subsidy.

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Rules for providing mortgages for disabled people in 2020

Providing loans for the purchase of housing to Russians with disabilities is regulated by the following laws:

• “On social protection of disabled people in the Russian Federation” dated November 24, 1995. No. 181-FZ;
• “On the basics of social services for citizens in the Russian Federation” dated December 28, 2013. No. 442-FZ;
• “On state social assistance” dated July 17, 1999. No. 178-FZ;
• “Housing Code of the Russian Federation” dated December 29, 2004. No. 188-FZ;
• By Government Decree of December 14, 2005. N 761 “On the provision of subsidies for the payment of housing and utilities.”

People with disabilities and families with disabled children in need of housing (improved conditions) are provided with premises at the expense of federal subsidies when they are registered before 01/01/2005. Further, for such citizens, the acquisition (increase) of residential premises is possible in accordance with housing legislation - at on general grounds.

• Pension for self-employed citizens - conditions of assignment and registration
• Transfer to a card by phone number via the Internet, terminal or ATM, via SMS or ussd request
• How to make a health resort card

Subjects of the country are given the right to decide for themselves the issue of allocating additional benefits. Favorable loan conditions can be provided if a person falls under other government programs, for example, for:

• young specialists;
• young families;
• military;
• public sector workers.

In general, banks' approach to disabled people is stricter. If a mortgage for disabled people of group 3 is possible on a general basis, since a person, as a rule, works (even in retirement) and receives benefits from the state, then for categories of group 2 it will be necessary to insure life and health. Incapacitated persons of the 1st disability group will most likely be denied a loan, offering to issue a loan for a capable relative.

Which banks can give a mortgage?

A number of large banks, ready to cooperate with disabled borrowers, offer the following lending options:

Mortgage for disabled children

Advice from lawyers:

1. Are there benefits for obtaining a mortgage in a family with a disabled child?

1.1. A mortgage for a family raising a disabled child will receive government guarantees only if the family is in the housing queue. It is possible to register in the queue: At the place of work, if the parents (or one of them) work at an enterprise or organization that owns the housing stock. At the place of residence in local government bodies. Preferential mortgages for families with a disabled child can be issued upon provision of the following list of certificates: an application to be placed on a waiting list to improve living conditions; extracts from the house register; information confirming the existence of a bank personal account; copies of documents on the basis of which the child was granted social status; copies of the rehabilitation program; other documents. The conditions for providing a social mortgage in the region should be specified by the local authority in charge of housing issues.

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1.2. Hello Tahir. It all depends on your child’s illness, you can qualify for free emergency housing...

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2. I have been disabled for 3 groups since childhood. Can I get a mortgage in a new building without interest?

2.1. Dear site visitor! In this case, there are no benefits for disabled people of group 3 from childhood to mortgage, because mortgage loans are provided by banks to earn their interest.

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2.2. I have been disabled for 3 groups since childhood. I have been disabled for 3 groups since childhood. Can I get a mortgage in a new building without interest? There are no such conditions. No one issues a mortgage without interest.

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3. A disabled person from childhood 2 years old has a child can get a mortgage in the amount of 500 rubles.

3.1. Hello. This question applies to the banks from which you are going to receive a loan. The law does not establish requirements for borrowers.

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3.2. Hello, Katerina The mortgage is issued by the bank. We cannot say for sure whether they will give you a loan or not. If there is no other income other than a pension, then it is unlikely. I wish you good luck and all the best!

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3.3. A disabled person from childhood 2 years old has a child can get a mortgage in the amount of 500 rubles. Only the bank can tell you this. But if you don’t have a regular income, they’re unlikely to approve.

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3.4. Good day! A group 2 disabled person can get a mortgage to purchase a home, the terms of the mortgage are determined by the bank. If your pension with bonuses and additional payments is enough to support your family and pay the monthly payment, the mortgage will be approved.

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3.5. Hello! In this case, you need to contact the Bank regarding this circumstance. Thank you for being with us, we were glad to help you!

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4. In 1919, three of me got divorced, one of them is disabled due to childhood, joint loans, mortgage, car loan, home renovation, small loans, can I sue for the division of the loan?

4.1. You can, since the loans (mortgage, car loan) were obtained for family needs. But as for small loans, it is possible that you will need to prove that they were also used for the needs of the family. But keep in mind that your ex-wife has the right to divide all jointly acquired property, incl. and a “mortgage” apartment. Also, from the title of the question I can make the assumption that the children remain with you, therefore you have the right to receive alimony from your ex-wife. PS: Do not neglect the legal support of this court case.

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5. I have been disabled since childhood, second group, indefinitely, I want to take out a mortgage, but I don’t work. Is it possible?

5.1. It depends on the size of your income. The bank must make sure of your solvency.

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6. I am 24 years old and have two daughters as an orphan and as a disabled person from childhood. I have been living in a civil marriage for 7 years. I gave birth to a child in the last name of my common-law spouse and I want to take advantage of my mother’s capital and take out a mortgage. How do I know if I buy a home, can I be taken off the waiting list?

6.1. Yes, they will remove it if you register it as a property.

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7. My husband and I have an apartment with a 1/2 share, the apartment was purchased with a mortgage in 2010 until 2025, at the time of purchase I had two children, 1991 and 2001. The eldest child has been disabled since childhood. In 2011, my husband and I had a child. and the resulting mate. We contributed capital to the mortgage. Please tell me what share my eldest son, born in 1991, has been disabled since childhood (my son has not lived with me for 5 years) can claim?

7.1. The size of shares in housing purchased using mat funds. capital is determined by agreement; the specific amount is not established by law. Federal Law of December 29, 2006 N 256-FZ (as amended on August 2, 2019) “On additional measures of state support for families with children” Article 10. Allocation of maternal (family) capital funds to improve housing conditions 4. Residential premises purchased ( built, reconstructed) using funds (part of the funds) of maternal (family) capital, is registered in the common ownership of parents, children (including the first, second, third child and subsequent children) with the size of shares determined by agreement.

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8. We live in rented housing. There is no one. Can the state help in purchasing housing, because... There are not enough funds for a mortgage. Only my husband works; I stay at home with my two minor children. He doesn’t seem to earn too bad, but according to official income, it’s the minimum wage. Now I found out that my child is disabled since childhood and now I won’t be able to go to work at all. What should we do if we don’t have our own real estate? There is only mat capital.

8.1. Good afternoon Contact the administration at your place of residence (through any MFC) with an application to recognize the family as low-income for the purpose of registering citizens in need of residential premises. And after that, submit an application: for a subsidy, or for a preferential mortgage loan, or for the provision of a land plot.

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9. I have been disabled (group 3) since childhood. I took out a mortgage on the apartment. What benefits am I entitled to?

9.1. D. If you mean benefits under the loan agreement, then they do not exist. All benefits for disabled people are provided for by regional and federal legislation and they do not apply to mortgages.

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10. The child is disabled since childhood. Next year he will be 18 years old. Is it possible to get a mortgage on him if I am his guardian?

10.1. Possible with the permission of the guardianship authority.

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11. The husband and his ex-wife took out a mortgage on the apartment, they divorced after 2 years, and he pays the mortgage alone for another 11 years. The court divided the apartment and the mortgage by gender, she moved into the apartment but would not pay for anything since she had a child from another man who was disabled since childhood. The bank does not divide the mortgage. Is it possible to refuse a mortgage? And tell me what we should do?

11.1. You can refuse a mortgage only by agreement with the bank and the second borrower. You need to fulfill your obligations. Upon fulfillment of obligations, the husband has the right to recover from his ex-wife the fulfilled obligations in proportion to her share in the property right, or to offer offset.

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11.2. Hello. Hard case. You need to go to court: either divide the mortgage debt between them or demand termination of the mortgage agreement. If you pay further, then half the apartment will go to your ex-wife for free.

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12. They are laying off an employee who is disabled since childhood. His wife is also disabled, two children and a mortgage. What are our actions?

12.1. If you don’t agree, write a complaint to the labor dispute commission; if they refuse, go to court.

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13. How the apartment will be divided; type of right: Common joint property. Divorce 4 years ago. Disabled child from childhood with his father. The mother also has a group 3 disability. The mortgage was paid by the husband and part of it was paid with the children's capital.

13.1. As a general rule, the total joint property of the spouses is divided in half. 254 Civil Code of the Russian Federation. But the court may, taking into account the interests of the child, increase the share.

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13.2. Hello,. Marina! More than three years have passed since the divorce. In legal terms, the three-year limitation period provided for in Article 38 of the Family Code has been missed, which, according to Article 199 of the Civil Code, is a basis for refusing a claim. However, former spouses can make property claims against each other even years after the divorce and division of common joint property. If, of course, they can prove that they only learned yesterday about their violated right to it. But keep in mind that if you establish common shared property, then the mortgage debt after the divorce can be divided accordingly if the husband demands it. I advise you to discuss these issues with your spouse in advance. All the best!

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14. I have a 16-year-old disabled child, are there any benefits for taking out a mortgage on a house and what is the best way to do this?

14.1. Good afternoon. As such, there are no benefits for mortgage lending, BUT you can get a discount on the interest rate if you meet the requirements for the programs: - young family - 0.5% of the base rate - state program rate 4.99% fixed rate for the entire loan period.

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15. Is it possible to get a mortgage for a disabled child? I am a guardian. We are on the waiting list for housing improvements.

15.1. Hello! The bank decides whether to approve a mortgage or not.

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16. I am a single mother and I have a disabled child, can they give me a mortgage, thank you in advance.

16.1. — Hello dear site visitor! Neither one nor the other (neither a single mother nor a disabled child) relates to a mortgage in any way. Only the bank decides who to issue it to, and as a rule, it issues it to citizens with stable financial security. Good luck to you and all the best, with respect, lawyer Legostaeva A.V.

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17. And in 2013, my wife and I took out a mortgage, which we are still paying off today. We have 2 children in our family, one of them is disabled from childhood, he was born in 2003, and another daughter was born in 2010. Tell me, is it possible to get help from the state to pay off the mortgage and where? ask for help.

17.1. You should contact the Social Security Administration with an application for financial assistance to pay off your mortgage.

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18. I have been disabled since childhood, hearing group 3. Can they give me a two-room apartment on a mortgage? Mother doesn't work. It's on the labor exchange. He receives a hearing and survivor's pension for two children. And I live in an illegal marriage with a foreigner for almost a year; he has been working.

18.1. The mortgage issue is a commercial loan issue. Approval of a mortgage occurs solely at the discretion of the bank. The list of documents is established by the bank; they may vary from bank to bank. It is better to clarify this information with the specific bank that interested you in its mortgage rate.

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19. A disabled child of 2 degrees (mild imbecility) was given a mortgage without checking the court with a medical esper. I confirmed the diagnosis both at the time of the transaction and now, but the judge does not satisfy the claim; for some reason I don’t know, the decision is not ready.

19.1. What is your question? The court may refuse the claim if you challenge the transaction on the grounds that the party did not understand what they were doing, but at the same time registered ownership of the apartment and made payments on the loan, then the court will most likely not be in favor of such a party.

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20. Can a child support ex-husband help pay half of the mortgage since the child needs housing? (the child has been disabled since childhood). OK.

20.1. Good afternoon Only with his consent. Whether or not it counts towards alimony.

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20.2. Good evening, alimony cannot be replaced by paying part of the mortgage. If you, as the legal guardian of a child, send money from alimony to the mortgage account and the child does not have ownership rights in this home, then the guardianship authorities may subsequently begin an investigation into the misappropriation of the child’s money.

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I live with my mother and my three minor children in a two-room apartment.

I took out a mortgage from Sberbank 5 years ago, my eldest daughter is now disabled since childhood

I have been disabled group 3 since childhood. I took out a mortgage for the apartment, but the bank refused to apply for life insurance due to my disability.

Will the bank mortgage rate be reduced without having to stand in line for a family with a disabled child (childhood disabled)

I have a child with a childhood disability of group 1, we have been on the waiting list for 20 years to improve our housing. If we take out a loan or mortgage and improve our housing, will we be kicked out of the queue?

I’m tormented by one question, I’m a group 2 disabled person since childhood, I live in a village, the state gave me money to buy an apartment,

I have been disabled since childhood, group 2, my husband took out a mortgage, but I have a share, and I am also considered the owner. What can I get from this?

I took out a mortgage a year later and became a group 2 disabled person since childhood indefinitely, what should I do? Do I have any benefits?

We have an apartment purchased with a mortgage. The management company issues us a debt of 10 thousand.

Please tell me I have a disabled child, can I get an apartment on a mortgage? I'm not working at the moment.

I have a child with a childhood disability. I am a caregiver and bought an apartment with a mortgage. Can I get 13% of the cost of the apartment. Thank you.

Preferential mortgage for disabled people

There are no special mortgage programs for people with disabilities yet. Such citizens can receive preferential conditions in the form of state social assistance. In some regions, the following are possible for people with disabilities:

1. payment for part of the loan (or making a down payment);
2. obtaining a housing certificate;
3. compensation of part of the interest from the budget.

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Russians with disabilities have access to standard options for preferential housing loan programs:

• target direction of maternal (family) capital;
• subsidies for young families;
• mortgage for young professionals (teachers, doctors, scientists);
• state subsidies for low-income, large families raising a disabled child.

If a Russian with a disability applied for state assistance before 2005, he is entitled to subventions from the budget. Those who reported housing problems later than January 1, 2005 receive mortgage guarantees from the state in order of priority under the following conditions:

• lack of own housing;
• living in premises that do not meet the area standards for a particular region and sanitary conditions;
• living in a shared area with strangers (not relatives);
• registration in a hostel, communal housing.

Conditions for a housing loan in St. Petersburg

Banks offer potential borrowers the following conditions:

• annual interest rate – up to 6%;
• loan term – up to 30 years;
• the maximum possible amount is 6-12 million rubles.

In this case, it is mandatory to make a down payment of 20% of the cost of housing or more.

As for real estate, mortgages are issued for families with disabled children only for new apartments or houses with a plot, purchased in the following ways:

• under an agreement of participation in shared construction;
• under a purchase and sale agreement.

And clients must buy real estate from a legal entity.

It is also possible to use the refinancing service within the framework of the program under consideration. This means that if you already have a housing loan, you can get a new mortgage; if the child is disabled, the family will receive more favorable conditions. The old debt will be repaid immediately, and the new one will be able to be paid off with less financial burden on the family budget.

Mortgage for families with a disabled child

Social assistance in the form of a mortgage is provided to a family with a disabled child if the family living space does not meet the established standards:

• per family member
• due to the nature of the illness, a disabled child is given the right by law to a separate room;
• the family lives with another family in the same area or in an apartment with non-isolated rooms;
• the family lives in a dormitory;
• The family rents housing from the state fund on a sub-tenant basis.

Features of mortgages for disabled people

The main feature of mortgages for disabled people is that you can wait several years to receive benefits. After 2005, changes in the conditions for providing such benefits led to the fact that disabled people of groups 1, 2 and 3 are issued under the same conditions.

Disabled children have the right to receive a social housing loan, but again if they need to improve their living conditions. If the property is owned and it complies with the standards, then only a mortgage is available to a disabled person on general terms. Social mortgage is a much more attractive option (and sometimes the only possible option), but the conditions for registration vary depending on the region.

When applying for a mortgage on general terms, having a guarantor who is not a person with disabilities significantly increases the chances of approval.

Refusal of a mortgage for a disabled person

Banks put forward standard conditions for their borrowers, and disability in itself is not a reason for refusal. A mortgage for disabled people of group 2 or 3 is issued if the applicant meets the requirements for:

• solvency;
• age;
• the amount of the down payment;
• ownership of property.

If refused, the borrower can provide additional collateral, guarantees from other healthy persons, reduce the amount of the application, try to apply for a loan through another credit institution or for government support. If the refusal is unfounded, the citizen has the right to go to court.

Benefits that exist today.

In short, we can unequivocally answer that there are no credit offers that would be developed specifically for people with disabilities and would take into account their already difficult situation and the prospects for their appearance are extremely unlikely. Despite this, there is still a certain set of benefits that can be obtained under government lending programs. They are implemented both within the framework of the well-known social mortgage for the disabled and under the Housing program. Unfortunately, the set of privileges for them is more than modest: in the first case, the benefit is that the disabled person will have a priority right to receive property or monetary support from the state, and in the second, the standard subsidy rate will be calculated using an increasing coefficient. From a practical point of view, this means that by participating in the first program, the waiting time in line to receive a payment or housing at a reduced cost will be less for such a person, and when participating in the second, the subsidy will be more significant. The main thing in both cases is to meet standard requirements, the main of which is to register the participant as needing new housing.