In our country, a mortgage loan to improve housing conditions can be obtained with special benefits and bonuses. For example, special conditions have been created for the military. It is advisable to know exactly your rights in order to enjoy benefits and objectively assess your capabilities.

Let's consider Federal Law 117 on the savings and mortgage system for military personnel. It describes in detail the rights of the military, the procedure for obtaining a mortgage loan, and covers all the subtleties. Let's dwell on the key points.

General provisions of the law on the savings and mortgage system for military personnel

We will review the current version of the law, with changes until 2019.

The first chapter of the federal law is traditionally devoted to general provisions. It is immediately noted here that this document was created to regulate relations that are associated with the nuances of the use, investment and formation of funds intended to provide military housing. All laws according to which military personnel are provided with housing are briefly covered.

The emphasis is on the fact that all domestic legislation is primarily based on the norms of international law and the Constitution. In addition, the regulations of the Central Bank of the Russian Federation also play an important role. It is the savings-mortgage housing system for military personnel that makes it possible to solve the military’s housing problems using budget funds. It is extremely important that everything is as transparent as possible. All details are specified in the law.

Of particular interest is the third article of the first chapter, where all the basic concepts appearing in the law are revealed. This information will be useful to anyone who is faced with the need for mortgage lending while being a military member.

  1. The savings-mortgage system for providing military housing is the entire set of organizational, economic and legal relations that are aimed at realizing the military’s rights to housing.
  2. Participants in this system are all military personnel included in a certain register.
  3. The register of participants is a list that includes all participants in the savings-mortgage system. The register is formed by the relevant federal body.
  4. The operation of the entire system is ensured by a specially appointed federal body.
  5. Savings contributions are money allocated from the budget. They are accounted for in a special savings account.
  6. Savings for housing include funds from management companies transferred to them in trust, as well as savings contributions.
  7. Each participant in the system has his own personal account with savings. It contains all the information about savings, contributions, investment profits, debts and collateral.
  8. There is also a targeted housing loan. It includes money provided to the participant on a reimbursable or gratuitous basis.
  9. There is also an index investment fund, from which money is used to invest in securities.
  10. All savings contributions of a participant during the period of military service constitute the estimated total contribution.
  11. They receive income from investing. They include interest on bank deposits, securities, and dividends.
  12. The investment portfolio combines all securities and funds that are transferred to trust management on the basis of an agreement.
  13. There is also a so-called investment mandate, which lists all types of assets.
  14. The total investment portfolio combines all assets that are under trust management.

All these terms will be useful when concluding contracts and signing papers related to the savings-mortgage system for providing military housing. Each serviceman who logs into the system receives a personal registration number as a participant in the savings-mortgage system, and the funds are transferred to his personal account.

Implementation of the savings and mortgage system

The second chapter of the Federal Law is devoted directly to the implementation of the savings and mortgage system, thanks to which military personnel have the opportunity to improve their living conditions. We will focus only on the key points in order to imagine the order of implementation of the system.

The law determines how the implementation of the right to housing by a participant in the system is carried out. For this First, savings are formed, then a targeted housing loan is provided. Then the payment is made using federal budget funds. The funds must supplement the participant's savings account in the same way that the participant himself could accumulate money if his military service had already completed twenty years.

This payment is made only if the participant has not previously purchased residential premises using targeted housing loans. Therefore, this target program can only be used once.

Payments are made within three months from the date of submission of the application from the participant. The application must be submitted in writing. It can be submitted not only by the serviceman himself, but also by members of his family. When a person is included in the register, he receives a certificate of right to participate in the savings-mortgage system.

How savings are formed

The next chapter discusses in detail the mechanism of savings formation. The main sources of savings are income from investment, contributions from the federal budget and other revenues that are not prohibited by the legislation of the country.

All savings are strictly accounted for. A maximally transparent system has been created, during the operation of which it is impossible to misuse funds received from the budget. All this is done primarily in the interests of system participants - military personnel who want to improve their living conditions. Housing problems are being solved with the help of budget funds.

The functions of the federal bodies in which military service takes place are examined in detail. These bodies do the following:

  • maintain a register of participants, form it, send all the necessary information to the authorized federal body, in accordance with which savings accounts are maintained;
  • be sure to inform if a participant transfers to another federal body;
  • receive all information about participants;
  • compare data;
  • provide information on the number of participants;
  • provide information to the system participants themselves if they are included in the register or excluded from it;
  • decide whether to pay out funds;
  • explain to participants how the savings-mortgage system works;
  • perform other functions.

Functions of the authorized body

When this system is in effect, federal management of all processes is mandatory, since funds from the budget are used. It is also important to know the functions of the authorized federal body, which include:

  • accounting of all savings;
  • registration of receipt of funds by system participants;
  • holding competitions to select a specialized depository with the subsequent conclusion of an appropriate agreement;
  • holding competitions for the selection of management organizations;
  • preservation of savings of all system participants;
  • issuance of targeted loans with preliminary registration to participants after receiving relevant applications from them;
  • receiving funds from management organizations;
  • informing about all processes of formation, investment, and use of savings;
  • providing reports on the formation and use of savings to the Government of the Russian Federation annually;
  • informing all system participants about the situation on the housing market;
  • carrying out explanatory work with the population;
  • implementation of other functions provided for by law.

It is noteworthy that a public body is provided to control the operation of the savings and mortgage system for military personnel. A separate article of the law deals with the work of the Council. Representatives of federal executive bodies, public organizations, and securities market participants may be members of the Public Council. At the same time, those persons who make decisions on investing savings do not have the right to join the Council.

All members of the Council work for free. The Council has the right to send requests for investment, ask for various reports, contacting the Central Bank of the Russian Federation and the authorized federal body for this purpose.

Participation in the savings and mortgage system for the military

The law discusses in detail who specifically can become a participant in the savings-mortgage system. This information will definitely be useful to everyone who decides to take part in this federal program. We list all categories of military that can enter this system.

  1. Everyone who graduated from military educational organizations, after which they received the rank of officer no earlier than January 1, 2005. If they entered into contracts for service before the specified period, they can also enter the system by writing an application.
  2. Sailors, soldiers, foremen and sergeants who entered into a second contract no earlier than January 1, 2005, and who expressed a desire to enter the savings-mortgage system.
  3. Midshipmen, warrant officers with a total duration of service under a contract of 3 years from January 1, 2005. If the contracts were concluded earlier, you can also join the system when the military man expresses such a desire.
  4. If a person graduated from a military educational institution in the period from January 1, 2005 to January 1, 20078, and received an officer rank during training, he can also enter the system by expressing such a desire.
  5. Officers, both those who voluntarily entered service and those called up from the reserve, who entered into the first contract before January 1, 2005.
  6. Military personnel who received military rank after completing training courses for junior officers in the period from January 1, 2005, who served less than three years under a contract. If they received their first officer rank before January 1, 2008, they must confirm their desire to become participants in the system.
  7. If a person entered the service under a contract, and it provided for an officer rank according to the state, which he received on January 1, 2005, he also becomes a participant in the system. When the specified person received the rank of officer before January 1, 2008, his desire to enter the system must be confirmed.
  8. Persons who became officers after being appointed to a military position for which the rank of officer was provided for by the state, and who served under a contract for less than three years, can also, if they wish, become participants in the savings-mortgage system.

Formation of a register of system participants: inclusion and exclusion

It is important to know on what basis they can include participants in the register, which becomes the reason for exclusion from it.

Receiving the first military rank of an officer becomes the reason for inclusion in the register for the following categories:

  • Military personnel who entered service under a contract, where an officer rank was provided in the state. The period is considered to be from January 1, 2008.
  • Persons who graduated from military educational organizations, both higher and professional, and in the period after January 1, 2005, entered into the first contract for military service.
  • Military personnel who have completed junior officer training courses and subsequently received the rank of officer. The period is considered from January 1, 2008.

The following categories of military personnel need to submit a written application with a request to be included in the register of participants:

  • Midshipmen, warrant officers who have served under a contract for three years since January 1, 2005, if the first contract was concluded before the designated period.
  • If a person became an officer in the process of training, and received military education in the period from January 1, 2005 to January 1, 2008.
  • Persons who received military education between January 1, 2005 and before the onset of this period entered into a contract for military service.
  • Petty officers and sailors, sergeants and soldiers.
  • Military personnel who received ranks after appointment to a position where the officer rank is provided for by the state. The period from January 1, 2005 to January 1, 2008 is considered.
  • Persons who received the rank while serving under a contract and entering a position where the officer rank provides for staff. The period from January 1, 2005 to January 1, 2008 is considered.
  • If the military during the same period, from 2005 to 2008, became officers after completing junior officer training courses.

There are other reasons why military personnel are included in the register of participants in the savings-mortgage system.

Some military personnel voluntarily leave the reserves and enter service. If they were not excluded from the register and did not receive payments, they only need to conclude a new service contract in order to again receive all the rights of a participant in the system.

If military personnel returned to service from the reserve voluntarily, but before that they received payment and were excluded from the register, the basis for re-inclusion may be a total duration of service of more than 20 years.

If midshipmen and warrant officers entered into their first military contract after January 1, 2005, but managed to serve for more than three years, they also have the right to become participants in the system.

For officers who entered the service voluntarily or called up for service, it is enough to conclude the first contract for military service.

Exclusion from the registry

Those who retire from military service are excluded from the register of system participants. Of course, all persons whom the state has already provided with living quarters cease to be participants.

It is important to note that housing from a specialized housing stock is an exception.

Also, persons who are declared dead or missing are excluded from the register.

Using savings in the account

Funds from the personal savings account of a system participant can be used in some cases. The entire amount remains available under certain conditions. This possibility arises if the total period of military service of the person was twenty or more years.

If a military man retires after ten years for health reasons, due to reaching the age limit for service, for health reasons or due to organizational and staffing measures, he also has the right to use savings. In addition, funds are used when a military man is discharged for health reasons, declared dead or missing.

It is worth noting that the conclusion of contracts and the preparation of all necessary documents to improve housing conditions are the responsibilities of the authorized federal body. The law itself is quite extensive, but we have covered all the key points. If necessary, you can familiarize yourself with the text itself and the comments to it.

Video: Formation of savings in the personal accounts of NIS participants, grounds and procedure for receiving them, features of use

Since 2005. The Savings and Mortgage System (SMS) operates for military personnel. Her goal is government subsidy purchases of housing by military personnel using a military mortgage.

Funds for such a purchase are generated on individual accounts military personnel at the expense of annual budget payments. They increase year to year.

  • In 2005 - 37 thousand rubles.
  • 2010 - RUB 175,600;
  • 2016 - 245880 rub.
  • 2017 - 260141 rub.

For 2018 payment planned RUB 268,465.6

The size of the annual payment depends on the state of affairs in the country's economy.

How can a military man find out the military mortgage savings in his account?

Military mortgage payments must be made on time

If on schedule changes are being made, then the updated document is sent to the borrower no later than The 25th of January the year for which the changes are planned.

If the borrower knows that the payment schedule has been changed, but he has not received a new document, then he should contact directly to the bank.

However, the NIS operator transfers money from the individual account of a serviceman to repay his mortgage loan independently, without the participation of the borrower. And resolving problems with the payment schedule, etc. is more relevant to the competence of the operator.

In other words, all conditions have been created for the NIS participant to served the Motherland, and was not worried about settlements with the bank.

Most military families have to live in rented apartments or houses for several years. Despite the fact that the activities of military personnel often involve traveling, they are still interested in purchasing their own housing. The government of our country has developed a special savings mortgage system (NIS) for the military, which provides significant assistance in purchasing housing on favorable and preferential terms.

Concept of NIS

It has been operating in the country for a long time. It was developed by order of the President of the Russian Federation and gives military personnel and their families the right to purchase their own housing through a targeted loan, even at the very beginning of their service.

The essence of the program is that every employee has the right to write a report, and 3 years after submitting such a document, he can receive a preferential loan for housing. The main advantage of the program involves paying off the debt not from personal funds, but from government authorities, including the Ministry of Defense.

In 2018, the NIS program can be used exclusively by military personnel who are able to pay a down payment from their family budget at a minimum rate of 10% of the total cost of the loan.

A prerequisite for participation in the savings mortgage system for the military is the targeted portion of federal subsidies. Based on them you can buy:

  • private home ownership;
  • housing in a new building or on the secondary market;
  • communal apartment for the total area of ​​the premises;
  • townhouse or cottage.

Important! The purchase of a land plot within the framework of the savings mortgage system is not provided for and does not correspond to its intended purpose. The exception is a private house with a plot.

An initial fee

To ensure that the military man does not have to save funds on his own, a personal current account is opened, into which funds are received within 3 years. In the future, the amount of savings is transferred as a down payment.

Who is entitled to a military mortgage?

Military mortgages are not available to all employees. You can receive funds to purchase your own home:

  • employees dismissed for health reasons;
  • those who changed their place of service;
  • have served for 3 years or more;
  • military whose units were disbanded.

Attention! Employees working in the Armed Forces and who do not have military status cannot qualify for participation in the mortgage program. Exceptions are employees transferred to civilian work for reasons beyond their control.

Rules for obtaining NIS

Before taking part in the program, which is voluntary, you need to take into account the nuances and features.

  1. A military man has the right to choose housing in any region of his choice.
  2. The average loan rate varies from 11 to 12.5% ​​per annum.
  3. The maximum loan term is 20 years.
  4. Military personnel over 25 years of age can receive mortgage funds.
  5. The entire mortgage must be closed before age 45.

In addition to the above list, it can be noted that the bank offers much more favorable conditions for military personnel with extensive experience.

How to get money for a loan

As soon as 3 years have passed after submitting the application, a personal account is opened. After which the employee can contact a banking institution to draw up a mortgage agreement for the selected apartment. The initial payment must be made from the employee’s personal current account, further payments are made from the treasury without the participation of the citizen.

Important! A military man can purchase an apartment at the expense of the state worth no more than 1 million 400 thousand rubles, which above this amount the citizen must pay from personal funds.

Advantages of NIS in comparison with civilian conditions

Below is a comparative table in which you can consider both the advantages and disadvantages of preferential conditions:

NIS for the military Standard mortgage for citizens of the Russian Federation
Only military personnel according to the specified NIS criteria have the right to receive Concludes any resident
The maximum established cost of housing is 2.4 million. If this amount is not enough, you can add from your own money. The loan amount is regulated by the bank, depending on the age and financial condition of the payer.
The loan is paid by the Ministry of Defense, so the apartment is pledged to it. The housing is pledged to the organization.
The waiting period has been increased due to possible delays in the transfer of money. The mortgage is issued very quickly.
The originals of the necessary documents are provided to the financial institution several weeks before the conclusion of the contract. The originals are transferred after execution of the contract solely for making photocopies.
Registration of the deed of sale and purchase takes no more than 7 days. Registration of the agreement can take about 30 days.

Despite the minor drawbacks, we can safely conclude that the terms of NIS are much more favorable than a conventional mortgage.

An important advantage is the fact that all state banks work with the military mortgage program. But, unfortunately, not a single banking institution sets the down payment rate less than 10%.

The owner of the mortgage is only the serviceman for whom it is registered. Family members have no rights to this property.

You can use your savings only after a 3-year waiting period has passed, which precedes entry into the program. In addition, federal funding may be unstable, causing the amount in the escrow account to accumulate longer than expected.

Questions and answers

I am a participant in the savings mortgage system program at the age of 47 and have served for more than 10 years. How can I spend the accumulated funds?

Since banks, under the terms of the Military Mortgage program, take into account the age of the borrower on the day the contract ends, which should not exceed 45 years, they will refuse you a loan.

If the amount of accumulated funds allows you to buy housing, then you can use this option. But if there is not enough money, there are a number of factors when you can use the accumulated funds:

  1. Dismissal under a preferential clause (age, serious family problems, poor health).
  2. Recognition as unfit for military military commission.

In addition, in the above circumstances, additional funds are provided, which can be calculated using the formula.

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.


Free consultation with a specialist on all issues related to military mortgages

To get a consultation

Policy for the protection and processing of personal data of ILIS Group LLC

This Policy for the Protection and Processing of Personal Data (hereinafter referred to as the “Privacy Policy”) explains in detail how the site located at the addresses of the site (hereinafter “we”, “our”, “site”) uses the information left by you or received during any of the Your user sessions (hereinafter referred to as “Your Information”). The privacy policy has been drawn up in accordance with paragraph 2 of Article 18.1 of the Federal Law of July 27, 2006 No. 152-FZ “On Personal Data” (hereinafter referred to as the Law on Personal Data), as well as other regulations in the field of protection and processing of personal data and is valid in relation to all personal data (hereinafter referred to as the Data) that ILIS Group LLC (hereinafter referred to as the “Company”) may receive from the subject of personal data while using the site. Your use of the site constitutes your acceptance of this Privacy Policy. You are informed and agree that your consent, given in electronic form on the site, is a consent that fully meets the requirements of the current legislation of the Russian Federation and allows you to confirm the fact of its receipt by the Company. You give your will and in your interest consent to processing, including collection, systematization, accumulation, storage, clarification, updating, change, use, transfer to the site administration, depersonalization, blocking, destruction, transfer to third parties of personal data, including, but not limited to the following personal data: full name, contact phone number, email address, name of the legal entity, individual entrepreneur, INN, OGRN, OGRNIP, location of the legal entity and individual entrepreneur, bank details and other.

This document applies to the site. The Company does not control and is not responsible for third party sites that you can access via links available on the site.

The site administrator processes the personal data contained in your information in order to fulfill the agreement between the site administrator and the User for the provision of site services (see Rules for using the site).

The Company ensures the protection of processed personal data from unauthorized access and disclosure, misuse or loss in accordance with the requirements of the Personal Data Law.

The Company has the right to make changes to this Policy.

Personal data (PD) – any information relating to a directly or indirectly identified or identified individual, legal entity (subject of personal data).

Processing of personal data – any action (operation) or set of actions (operations) performed using automation tools or without using such tools with PD, including collection, recording, systematization, accumulation, storage, clarification (updating, changing), extraction, use , transfer (distribution, provision, access), depersonalization, blocking, deletion, destruction of PD.

Automated processing of personal data – processing of personal data using computer technology.

Personal data information system (PDIS) is a set of personal data contained in databases and ensuring their processing using technologies and technical means.

Operator is an organization that, independently or jointly with other persons, organizes the processing of personal data, as well as determines the purposes of processing personal data to be processed, and the actions (operations) performed with personal data. The operator is ILIS Group LLC, located at: 115054, Moscow, st. Dubininskaya, 57, building 1, E 2, room. I, K 7, office 30B.

You have the right to access your personal data and the following information:

– confirmation of the fact of processing of PD by the Operator;

– legal grounds and purposes of PD processing;

– goals and methods of PD processing used by the Operator;

– name and location of the Operator, information about persons (except for employees)

– terms of processing of PD, including terms of their storage;

– the procedure for the exercise by the subject of personal data of the rights provided for by the Law on Personal Data;

– name or surname, first name, patronymic and address of the person processing PD on behalf of the Operator, if processing has been or will be assigned to such a person;

– contacting the Operator and sending him requests;

The operator is obliged:

– in cases where the PD was not received from the subject of the PD, notify the subject;

– in case of refusal to provide PD, the consequences of such refusal are explained to the subject;

defining its policy regarding the processing of personal data, to information about the implemented

requirements for personal data protection;

– provide responses to written requests and appeals from subjects of personal data, their representatives and the authorized body for the protection of the rights of subjects of personal data.

All information is collected in three ways.

First, browsing our site will cause its software to create a number of "cookies" (small text files downloaded to your browser's temporary files folder). "Cookies" contain an anonymous session identifier ("session-id") automatically assigned to you by the site's software, as well as information about the forum topics you have read, thus improving your user experience.

Secondly, the site is connected to the automatic service Yandex.Metrica and Google Analytics, which read the parameters of your visit to the site. We need these services to analyze problematic, incomprehensible and bottleneck areas of our site, identify difficulties in the operation of the site, and also localize possible errors.

Thirdly, the website has a programmatic implementation of the ability to submit the following applications:
application for a discount;
request for consultation;
request for feedback;
other application forms.

By specifying a phone number, you automatically agree to send the entered data to partner organizations, to receive SMS messages with important information from the point of view of the site administration about the Savings and Mortgage System of Housing for Military Personnel, including information about current discounts and special conditions. If you wish to unsubscribe from this mailing list, you must fill out an application in any form using the feedback form.

Processing of personal data is carried out:

– with the consent of the PD subject to the processing of his personal data;

– in cases where the processing of personal data is necessary for the implementation and fulfillment of the functions, powers and duties assigned by the legislation of the Russian Federation;

– in cases where PD is processed, access to an unlimited number of persons is provided by the PD subject or at his request (hereinafter referred to as personal data made publicly available by the personal data subject).

Purposes of PD processing:

– implementation of civil law relations.

PD of the following subjects is processed:

– any individuals and legal entities.

The Company is not responsible for any harm or losses caused to you resulting from inaccuracies or errors in the information provided on the site. The Company is not responsible to you for failure to receive any information due to preventive or other technical work on the site. Stored PD of subjects that can be obtained can undergo further processing and be transferred for storage both on paper and in electronic form.

PD recorded on paper is stored in locked cabinets or

locked rooms with limited access rights.

PD of subjects processed using automation tools for various purposes,

are stored in different folders.

It is not allowed to store and place documents containing PD in open

electronic catalogs (file hosting services) in ISPD.

This Privacy Policy is posted on the website, changes to the Privacy Policy are made by posting a new Privacy Policy on the website and comes into force from the moment it is posted on the website, no additional notification of changes is required.