Non-payment of tax up to 600,000 rubles will not entail criminal liability

Government support for mortgage borrowers

The Government of the Russian Federation has approved a special program to assist borrowers who have taken out a housing loan. It lies in the fact that people who paid a mortgage to the bank will be able to receive an amount of up to 600 thousand rubles, as well as a restructuring of the foreign currency mortgage at the rate of the Central Bank. The duration of the program was set from 2020 to May 31, 2020 inclusive. But life made its own adjustments and already on March 7, the program was closed ahead of schedule due to a budget deficit (all the funds that were initially allocated were spent). By the way, borrowers who managed to submit the required package of documents before March 7, 2020 can well count on receiving assistance under this program.

How to get 600 thousand rubles from the state to repay a mortgage loan?

It is this office that reviews all applications for financial assistance. Naturally, the current legislation sets a number of requirements for borrowers, which will be discussed below, so not every person will be able to count on such financial assistance. Unfortunately, this program sets a limit amount which can be used to pay off mortgage obligations that do not exceed 600 thousand rubles. Compared to 2020 (it amounted to 200 thousand rubles), in 2020 and 2017 borrowers can count on a more significant one. But 600 thousand is not the limit, for 2017-2018 the Government plans to revise this program, perhaps even carry out indexation , which indicates the possibility of increasing assistance. It is important to remember that citizens who have a permanent income, which has not decreased or increased recently, cannot

Repayment of 600 thousand on a mortgage in 2020 - who is eligible for the assistance in question?

Naturally, many people now want to receive a very decent amount to pay off their mortgage, but not everyone is entitled to it. So, the following categories of borrowers can count on the right to receive funds from the state in the established amount for mortgage repayment:

• Persons raising one or more children under eighteen years of age (or being their guardians);
• This service can be used by those citizens who are raising a disabled child, regardless of the disability group (by the way, this amendment was made to the previous project to help mortgage borrowers);
• Borrowers who support adult children under 24 years of age who are studying full-time at a university;
• Combat veterans.

That is, in order for the principal debt on a mortgage of up to 600 thousand rubles to be written off at Sberbank or any other financial organization participating in the program, the borrower must prove his right to use this privilege.

How to return mortgage interest: instructions for returning personal income tax

Every month it decreases and at the end of the term it represents a ridiculous amount of 2-3 thousand monthly payments.

The only exceptions to these restrictions are those families that have 3 or more children under 18 years of age. Here they will no longer look at the category of housing or its area. At the same time, the condition of the absence of any other real estate is not canceled in any exceptional case. Here, even owning a share in some real estate is not permissible.

Today we will talk about such a thing as a mortgage. Everyone had mixed opinions. For some, a mortgage is bondage for life, for others it is an opportunity to create their own living conditions, or even acquire their own home.

The Citizen Assistance Program developed in 2020 provides for the possibility of writing off the principal debt on a mortgage legally. Find out whether you fall under the terms of the resolution and whether you have the right to reduce your debt by 600 thousand rubles.

Housing with a mortgage cannot be premium class. This means that the property must have a typical value for a particular region.

And it can become even happier when you find out that the state has legislated the return of mortgage interest - by collecting the necessary documents, the owner can receive a serious deduction of up to 13 percent. You can receive such a deduction either directly in cash or by reducing the taxation of your income by a certain amount.

The size of the home purchased with a mortgage is also important. If the apartment is one-room, then the area should be less than 45 square meters. m.

Previously, the agency accepted all borrowers who took out a mortgage before January 1, 2020. Along with increasing the limit, the government softened the conditions for mortgage housing. According to current standards, an apartment registered with a mortgage must be the only living space owned by the owner.

The state is ready to return 390 thousand rubles to you. We tell you who can receive them, where to apply and what documents to attach. In fact, everything is quite simple, the main thing is to know how.

Russians facing financial force majeure during the period of servicing mortgage obligations can take advantage of the federal program to assist individual borrowers. It provides for the write-off of the principal debt on the mortgage in the event of a decrease in income, the birth of a baby, or a young family recognized as in need of improved living conditions. Let's consider each case separately.

If you did not receive it in full (that is, the amount is less than 260 thousand rubles), then you can use the rest when you want to buy another apartment.

Initially, the project provided for the restructuring of a target loan only if there was a delay. The new version allows individuals who do not have overdue payments to apply for government assistance. This allows you not only to ease the credit burden, but also to maintain an impeccable credit history.

Restrictions on the amount of funds allocated

...The amount of financial assistance to mortgage borrowers has been increased to 1.5 million rubles, but it should not exceed 30% of the balance of the principal debt. This innovation applies only to the following categories of borrowers:

1. Combat veterans.
2. Persons raising two or more minor children (or being their guardians).
3. Disabled people or parents of a disabled child (regardless of the established disability group).

All other categories of borrowers experiencing difficulties with mortgage payments, namely:

• persons who have one child under eighteen years of age or are his guardians,
• persons supporting full-time students who have not reached 24 years of age,
• can receive financial assistance in the amount of 600 thousand rubles, while the specified amount should not exceed 20% of the balance of the principal debt.

How much do you need to save for an apartment or is it worth taking out a mortgage?

The habit of saving money and storing it in a pillow (at best, in a bank account) was inherited from grandparents who carefully put money in savings books and were afraid to spend an extra penny. Everyone knows what such frugality led to: savings depreciated and if previously the family could afford to buy a car, then just two days later it was impossible to even buy a box of matches for the same money.

Some still believe that it is better to save for 10 years on real estate than to get involved with a mortgage. After all, firstly, banks profit from their clients, receiving almost double benefits from each loan. I took four million for a one-room apartment and gave it back eight. But you could buy a two-room apartment for eight. And, secondly, in case of delay, you can lose everything. In fact, if you approach the purchase of a home with a mortgage wisely, you can, a couple of months after applying to the bank, already live in your own apartment, paying the same amount monthly as for renting a similar property.

So, for example, let’s take a one-room apartment in the nearest Moscow region in a new building for 2.5 million rubles. The average salary in the capital, according to Rosstat, is 67.8 thousand rubles. We subtract 13% of income tax from it, as a result the employee receives just under 60 thousand rubles. Let’s imagine that a person has a place to live (for example, with his parents) and does not pay rent. But he needs to eat, travel to and from work, get dressed, pay for his mobile phone and internet. We set aside at least 20 thousand rubles a month for expenses (although the cost of living in Russia is 17.6 thousand rubles. In total, he will be able to save 40 thousand rubles monthly. Ideally, you can save up for an apartment in five and a half years. But do not forget about inflation when money instantly depreciates. Plus, sometimes it is tempting to take a little from your savings, for example, for a trip to the sea, for gifts, for new gadgets.

If a person rents a house and gives “someone else’s uncle” about 25 thousand rubles a month, then he will be able to save 15 thousand rubles. In total, he will be able to become the owner of his own apartment, at best, in 14 years. And during this time he will limit himself in everything. The figures are provided subject to stability in prices for both food and housing.

Advantages of a mortgage

The most important advantage of a mortgage over a lease is the availability of an asset that will only grow in value every year. If problems arise, the property can be sold and even after paying off debts to banks, there will be money left over. Now mortgage rates are not so high; the same Sberbank offers options at only 8% per annum. Plus, a down payment is not required everywhere; some construction companies are ready to enter into an agreement without an advance payment.

In addition, if this is the purchase of a first home, the buyer receives a property tax deduction, which can be used to partially repay the mortgage. You can “reduce” the amount with the help of maternity capital. And if loan rates drop in the future, the client can simply contact the bank to refinance the loan. We subtract the maternal capital from 2.5 million 453 thousand, as a result, the mortgage is taken for 2 million rubles. But let's consider the option where the apartment is purchased on general terms and there is a down payment of 375 thousand. If you pay 40 thousand rubles monthly, you will pay off the debt in 6 years. But at the same time you will have your own housing. If you take out a loan for 10 years, you will have to pay only 28 thousand rubles. The interest rate in this case is 10%.

If you buy a property from certain developers at 8% per annum, then you can pay off the mortgage in 7 years, paying 33.2 thousand rubles each.

When is the best time to buy your own home?

It is better to take out a mortgage if:

• you have a stable income, you have worked in one place for more than 6 months;
• the mortgage payment is equal to the rental rate or, if it exceeds, then not by much;
• housing prices are rising faster than savings can be achieved;
• purchasing real estate will not affect the family’s well-being.

But it is better to rent if there is no confidence in the future, salaries are paid with delays, there is no certainty about the place of residence, rent is an order of magnitude lower than monthly mortgage payments.

Your own home in Moscow

Thus, according to studies, teachers (at least 19 years), medical personnel (about 15 years), engineers (12 or more years) will save the longest for their housing in the capital, and the least of all will be managers and top managers of serious companies.

“Considering that a one-room apartment in Moscow costs about 7 million rubles, it makes sense to collect for housing for people with a salary of 90 thousand rubles a month, and this takes into account that this entire amount will not be spent. Those. If the spouses have such income in the family, they can afford to save this money. True, in this case it is still more relevant to purchase real estate with a mortgage,” shares Alexey Shmonov, CEO and co-founder of the online real estate portal Move.ru.

According to experts, when compared with prices and wages over the past 5 years, saving now is a little easier and faster. The term was reduced by an average of 2-3 years (for example, instead of 22 to 19). But, again, this is provided that all income will be deferred for the purchase. Don’t forget that many still rent apartments in Moscow, so this option is unrealistic for them. Therefore, it is not surprising that last month the number of mortgage loans repeated the record of 2014. In July, more than 84 thousand loans were issued. Since May of this year, mortgage issuance volumes have been growing by leaps and bounds. The reason is low interest rates on home loans. Not only bank representatives, but also Russian residents themselves are talking about the increased affordability of housing and mortgage loans. If the rate drops to 6% and the same conditions for borrowers remain, then the majority of citizens of our vast homeland will be able to afford their own housing.

How to reduce your mortgage by 600 thousand?

The fundamental points are listed below:

1. First of all, you will need to contact the bank and submit applications for restructuring. An important point is that it is not at all necessary that the borrower have an overdue loan balance at the time of application.
2. The time elapsed from the signing of the loan agreement to the filing of the restructuring application does not matter from 2020.
3. Any mortgage is subject to restructuring, even those that were registered as social.

Details of AHML for paying a mortgage through VTB in 2019

The following instructions will help you find out the creditor's identification data:

1. At the bottom of the main page of the official website there is a block highlighted in black.

   

2. The “Mortgage” section contains the “Loan Servicing” subsection. When you click on it, a page opens where on the right there is the option “Current account details for paying a mortgage loan.”

   

3. When you click the mouse, a page with AHML details for paying for a mortgage through VTB opens. It is worth noting that since March 2020 the agency has been called JSC DOM.RF.

   

The form with details can be downloaded here.

In addition, the borrower can contact VTB offices if any questions arise regarding loan servicing. Reference information can be obtained by calling 8(800)-100-24-24.

Which apartments are covered by the federal mortgage program (600 thousand assistance)

1. Mortgage housing must be the only one.

2. Belong to the category of economy class housing.

3. In addition, there are strict area restrictions:

• apartment - no more than 45 sq.m;
• apartment – ​​65 sq.m;
• apartment or more – 85 sq.m.

An important point is that if a family has three or more minor children, the requirements regarding the price and area of ​​housing are not relevant. However, according to innovations from 2020, in order to receive 600 thousand to repay the mortgage from the state, the family cannot additionally own any other property, including more than half of the share.

Mortgage for 600,000 rubles

No. 2210More detailsMortgage conditionsPurpose: Apartment in a new buildingProgram:State support for families with childrenDown payment:20% - 90%Rate:5.5%Amount:300,000 ₽ - 12,000,000 ₽Term:from 36 to 300 monthsSecurity:Pledge of the purchased propertyInsurance:Property insuranceRequirements Borrower Age at the time of receipt: from 20 years Age at the time of repayment: up to 75 years Length of service in last place: 3 months Total length of service: 12 months Monthly income: permanent Documents for consideration of the application Required documents: Passport, Birth certificates/passports of minor children, Certified copy of the work record book or employment contract Confirmation income (1 document to choose from): Certificate 2-NDFL, Certificate in free form, Certificate in the bank formAnother 58.90% “More meters - lower rate” 600,000 ₽ - 60,000,000 ₽For a period of up to 30 years Age from 21 years 4 documents Persons . No. 1000More detailsMortgage conditionsPurpose:Apartment in a new building,

Which banks offer subsidies for mortgage repayments of 600 thousand?

It is necessary to understand that by writing off part of the mortgage loan debt to the client, in this case the bank does not incur losses. And by receiving 600 thousand rubles in mortgage compensation from the state, the borrower does not spoil the relationship with the bank. This also does not in any way affect his credit history. Therefore, the vast majority of banks issuing mortgage loans participate in the program under consideration.

But in any case, before you start preparing the documents necessary to receive assistance, you should check with bank employees about the possibility of receiving compensation when working with this financial institution.

The list of documents that must be provided to participate in this program to return 600 thousand on a mortgage from Sberbank or another credit organization may differ in each individual case (depending on the terms of the loan, the size of the mortgage and other factors), so this question should be check directly with employees of the bank whose client is the borrower.