Mosoblbank - military mortgage for real men. Reviews of the Moscow regional bank Mosoblbank military mortgage
Good afternoon, my dear Bank! Let me introduce myself as your former employee, who faithfully worked for you, of course there were mistakes and complaints, but the most important thing in our office (OO Elista-2) was always to treat clients with respect. Everything worked like clockwork, and clients knew that the office would always help them and explain how to proceed. The time has come and we were closed on March 1, 2016, how the office was closed is a separate story, the main thing is that almost all clients were notified and those who wanted took their deposits, closed their accounts, but oh well, that’s not what I want to write about.
I would like to write that in March 2014 I became a co-borrower on a MOSOBLBANK mortgage loan from an employee who at that time worked as a credit expert. Yes, he did something stupid, my wife is still nagging me, in the end the paradox is that I fired him myself (I perfectly understood that the time was such, it was very difficult to find a job, but I could not do otherwise, he wrote a statement of his own free will) and from then on he stopped paying, he and his wife ran away, he sits in St. Petersburg and says that there is no money. I corresponded with the head office about applying for a loan in my name and the borrowers were not against re-registering the apartment in my name, the bank agreed, but with an increase in the interest rate by 2 or 3 percent, and so it’s not cheap, but there’s even more bondage. I refused. I tried to sell the apartment together with the borrowers, but you are in a crisis. A 4-room apartment cost about 3 million rubles, now it’s around 2.5 million rubles. and what’s also cool is that they started renovations and everything in this apartment was broken, opened, torn off, and that’s where their renovation ended. The red price, as realtors say, is 2.4 million rubles. and this despite the fact that all the stars must align.
As a result, at the moment I can’t sell the apartment, the debt under the writ of execution is about 2.5 million rubles, more than 170 thousand rubles have been withheld from my salary at the moment. Since November, when the court decision came into force, I have been corresponding with the idea of buying out the debt in installments under an assignment agreement, getting a mortgage for me to cover this debt, offering a bunch of options, because my home bank does not have its own proposals to settle the debt. And I received the first verbal answer at the end of April that the bank was offering to buy back the debt in one payment, okay, one payment at a time. At that time I sold my apartment (this is also a separate story and I’m the last goat in it, and the main thing that’s disgusting is that I sold my excellent apartment (newly renovated) at a big discount, because I realized that with my native bank " You can’t cook porridge.”
And now another catch. I want to close the debt under the writ of execution, but they tell me that the amount is 100 thousand rubles. already more, because the bank did not terminate the contract with me. Got it, thank you, I point to clause 6.10, no, they say you are interpreting this clause incorrectly. Now I would like to request a certificate stating how much money was withheld from wages, played football for half a day, despite the fact that I know many of the employees, because at one time I worked and communicated with them almost every day. I understand everything, there was a big reduction, many specialists were laid off, the workload increased, and the credit committee could not meet for more than 3 months, because many were laid off, and new ones were not approved. I have nothing to do with this as a client, you couldn’t decide for more than six months, but I wrote a bunch of applications, I’m constantly calling, asking how things are going and now you owe us another 100 thousand rubles. above. What kind of arbitrariness is this? There is no limit to the indignation, but I understand that emotions will not help the matter, but to be honest, I want to humanely send my dear Bank to the forest, etc.
I wrote a statement that I am asking you, my home bank, to conclude an assignment agreement with my wife for the balance of the debt under the writ of execution, or at least give an official answer that if I pay off the debt under the writ of execution, there will be no claims and the mortgage will be sent as soon as possible. I
I hope that there are still specialists at the Bank who understand the following:
1) I will refer in court to paragraph 6.10 and what you wrote there “in a foreign” language in quotation marks is your problem;
2) I have filed all the statements since November 2015 and I will show this in court, but I have not received a single answer, and it turns out that the Bank itself has been delaying time in order to impose further penalties on top;
3) I know that our judicial practice in different regions can be different on the same issue, but here in the Republic of Kalmykia repeated claims are almost always refused.
I have a request to my native Bank, close the loan agreements after the court decision, you will save your specialists and the bank from many problems, and I think you will have fewer problem assets if my native Bank turns to face the clients (debtors are also clients of the Bank and just “people” for the most part who find themselves in a difficult life situation). A small example of the work of another Bank in Elista: The co-borrower (debtor) himself expresses a desire to repay the debt, but he does not have enough of the entire amount, for the rest they issue him a loan with additional co-borrowers. Interesting, yes, I suggested this option to you. As the saying goes, “the sheep are safe and the wolves are fed.” In conclusion, I would like to wish my native Bank financial stability, good and competent specialists and to find a human face. Honestly, it’s a shame for my dear Bank, what they turned you into!
Best regards, your former employee.
Today, “mortgages” are already quite commonplace. The loan helps to purchase the desired property “here and now” without interfering with the borrower’s ability to meet his daily needs. However, the standard conditions of mortgage programs are focused on the capabilities of the population working in commercial organizations. What should certain categories of citizens do: public sector employees, specialists in the field of scientific development, military personnel?MOSOBLBANK is ready to help these people. The Bank takes an active socially oriented position, cooperates with such government agencies as OJSC Agency for Housing Mortgage Lending (AHML), OJSC Agency for Restructuring of Housing Mortgage Loans (ARHML), Federal State Institution Rosvoenipoteka.
Elena Sannikova, Head of the Mortgage Lending Department of JSCB MOSOBLBANK OJSC, talks about the implementation of social programs with government support.
MOSOBLBANK pays special attention to the development of mortgage lending within the framework of social projects. As an accredited partner of AHML, MOSOBLBANK actively participates in the implementation of state policy in the field of increasing the affordability of housing for the Russian population.
MOSOBLBANK was one of the first in 2009 to begin implementing - together with the Federal State Institution Rosvoenipoteka and AHML - the Military Mortgage program.
Today, within the framework of the current conditions of the Military Mortgage program, MOSOBLBANK offers military personnel - participants in the savings-mortgage system (NIS), who are applying for or have already issued a mortgage loan under the Military Mortgage program, to take advantage of the terms of the consumer lending program. A consumer loan is issued in the amount of up to 1 million rubles at 18% per annum or the equivalent in US dollars/euro at 9% per annum, without additional collateral, for a period of up to five years.
In addition, MOSOBLBANK has developed an exclusive program “Military Mortgage - Moving”. Any military personnel who is an active member of the NIS can use it. This program may be of interest to those who want to exchange their existing real estate, purchased under the Military Mortgage program, for a new apartment of a larger area (including in another region). Under the terms of the “Military Mortgage - Moving” program, MOSOBLBANK repays the serviceman’s obligations to the Federal State Institution “Rosvoenipoteka” and the bank on the “first” military mortgage and removes the encumbrance in the form of collateral. After this, the existing apartment is sold. The proceeds from the sale of real estate are used to repay the loan issued to MOSOBLBANK, and are also used as a down payment when purchasing a new apartment. The remaining part of the cost of the new apartment is paid with the funds provided from the mortgage loan and targeted housing loan under the current lending conditions of MOSOBLBANK under the Military Mortgage program.
MOSOBLBANK also began implementing two large social projects developed by AHML on the basis of Resolutions of the Government of the Russian Federation - lending to young scientists and lending to young teachers.
Lending to young teachers is regulated by the Government Decree of December 29, 2011 “On the procedure for the provision and distribution of subsidies to reimburse costs in connection with the provision of mortgage loans to teachers of general education institutions.” The program is available to state and municipal school teachers under the age of 35 who are eligible for a subsidy to pay part of the down payment on a mortgage loan. In this case, the minimum down payment from your own funds must be at least 10% of the cost of the apartment. The interest rate on the loan is fixed at 8.5% per annum for the entire loan period, regardless of the size of the down payment. Information about the possibility of participation and/or conditions for participation in the program can be clarified at the regional office of the Ministry of Education/Department of Education and Science/regional administration.
The mortgage program for young scientists was developed for researchers of the Academies of Sciences (RAN, RAAS, RAMS); federal universities; universities that have been assigned the category “national research university”, as well as a number of research centers approved by the Decree of the President of the Russian Federation. In addition, a borrower under the terms of this program can be a person entitled to a regional subsidy. Then there are no specific requirements for the place of work. The conditions for issuing a subsidy must be formulated by the “subsidy payer” (a subject of the Russian Federation).
Mosoblbank, whose military mortgage is known for its favorable conditions, is implementing it together with the Federal State Institution Rosvoenipoteka and OJSC AHML. Military mortgage Mosoblbank is intended to provide housing for military personnel.
Mosoblbank military mortgage
It is designed for military participants of the NIS. Thanks to a military mortgage from Mosoblbank, you can get housing without raising your own funds. In addition, the borrower chooses the apartment in the region himself, and the state repays the mortgage loan.
The advantages of the Mosoblbank military mortgage program include the following:
Low interest rate,
Fast consideration of the loan application (1-3 days, subject to the availability of a full package of necessary documents),
Opportunity to buy an apartment after 3 years of service,
The initial contribution can be funds allocated to the military from the federal budget (in this case, a personal account is opened for each of the NIS participants, where funds from the federal budget are accumulated during the process);
You can repay the loan early;
You can buy housing in any region of the country, regardless of your place of service,
The maximum loan size is up to 2,300 thousand rubles;
You can buy secondary housing, including those located in the accredited territory of low-rise buildings,
Purchase on the secondary housing market under a contract of a residential building with a land plot, including low-rise buildings located in the accredited territory,
You can buy housing under this program not only for an officer, but also for a private contractor,
Availability of the opportunity to re-enter the savings-mortgage system,
The ability to repay the loan, take out a new targeted housing loan under the military lending program and purchase an apartment with a larger area.
After only 3 years of participation in the NIS, the military acquires the right to use a targeted housing loan to purchase their home, even with the involvement of mortgage lending funds.
A consumer loan on preferential terms was developed especially for each client who contacted the Bank in order to receive a loan under the Mosoblbank “Military Mortgage” program and entered into a loan agreement. It can be used to renovate a new apartment or as an additional contribution to the purchase of an apartment under the NIS program.
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Mosoblbank allows any category of citizens to obtain a mortgage at a rate much lower than that offered even by large financial institutions such as Sberbank of Russia - only 8.5%. Among the advantages of cooperation with this organization are also the provision of affordable banking products for young families and the issuance of military mortgages on acceptable terms.
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How is a loan agreement signed, is it possible to receive a loan under the program for young teachers. The pros and cons of lending at Mosoblbank will be discussed in this publication.
About the bank
Moscow Regional Bank was created in 1992. Accepted into the deposit insurance system. The authorized capital guaranteeing the fulfillment of obligations to clients is 4.5 billion rubles for 2019. It has 63 regional divisions in Russia. There are 19 offices in Moscow and the Moscow region.
At the beginning of 2019, it occupies a position in the TOP-30 main banks of Russia according to various parameters, including the package of loans issued to improve housing conditions.
Provides services to individuals and organizations in the field of placing deposits, servicing plastic cards of various international systems, issues investment coins and provides safe deposit boxes for payments.
Payments for issued loans and deposits of cash are made using terminals, of which there are 407 in the Russian Federation; there are also 258 payment terminals operating.
The shareholders are JSC SMP Bank in the amount of 98.31%, the remaining assets are divided between private investors.
Mosoblbank is an active participant in the Association of Russian Banks and TPP of the Russian Federation, the Association of Regional Russian Banks.
Terms
Mortgage lending is carried out on the basis of the following programs:
Secondary housing |
Provides for the purchase of ready-to-construction real estate - apartments or apartments. The rate reaches a minimum of 10.9% per year. The loan term ranges from 3 to 25 years. The rate is fixed depending on the amount of the down payment: when making 40% of the cost of the property, it is 11.20% per annum for the “Preferential” client category, and 11.70% per annum for participants in the “Retail” program. When financing a purchase in the amount of 5 to 29%, for preferential borrowers the tariff is 11.40%, for other categories of citizens - 11.90% per annum. Rates are valid for clients who have purchased a personal insurance package. In the absence of title insurance, the rate increases by 1% per year on the outstanding balance. If there is no personal insurance, the tariff increases by 1%, and if only real estate risk coverage is provided - by 2%. If the assignment of the right of claim on the initiative of clients is prohibited, then the interest rate increases by 1 point |
Property in a new building | Involves concluding agreements for shared participation in construction with reliable companies selected and recommended by the lending bank. The minimum accepted rate is 10.9% per year. It is possible to register only properties of accredited developers, the list of which is presented on the official website of Mosoblbank. The interest rate is set in the same manner as when purchasing an object on the secondary market |
Money on bail | As collateral, it is possible to place existing real estate with a loan. The maximum down payment is 60% of the cost of the purchased apartment. The interest rate for the preferential category of clients is 14% per year, for other citizens - 14.50% per year. The maximum loan size is RUB 5 million. or in foreign monetary units in an equivalent value. When purchasing real estate above the specified value, confirmation of the intended use of funds is provided |
The minimum amount of funds for a loan is set at RUB 400,000.
Requirements for clients
Categories of citizens who meet the following requirements are considered as borrowers:
- citizens of Russia with registration in the country;
- it is necessary to have an employment relationship - only hired workers are accepted into the mortgage program, with the exception of accepting applications from individual entrepreneurs, managers or institutions of organizations;
- availability of a stable income in the form of wages, other payments in the form of pensions and social charges, receipt of rent from the rental of property are accepted in aggregate;
- When concluding an agreement, no more than 3 co-borrowers are accepted; the loan amount can be calculated taking into account their total income;
- The length of service at the last place of employment must be at least 3 months.
When completing a loan transaction, the borrower’s personal presence at the bank is required and when registering collateral for a property at the Rosreestr branch. Representation by proxy in such cases is not permitted even in exceptional cases.
How to get a mortgage at Mosoblbank
To conclude a mortgage loan agreement, you must complete the following steps:
- Submit an application indicating your passport details and information about your income level at a bank branch.
- Wait for the decision. If the outcome is positive, search for real estate with a value that the bank is willing to issue as a loan.
- Provide documentation for the selected object in copies and originals for verification.
- To appear to conclude a loan agreement, you can first draw up a written agreement with the seller of the apartment.
- Making payments according to the payment schedule or ahead of schedule with revision of payment periods and amounts contributed towards the execution of the loan agreement. Registration of real estate pledge and purchase and sale transactions in Rosreestr.
- Obtaining a certificate of absence of debt and an agreement to terminate the loan agreement from the bank. Submitting them to the registration authority to remove restrictions. Receiving a new statement with a note indicating that there is no encumbrance in the form of a mortgage under the loan agreement. After this, the former borrower, the owner, can dispose of the property at his own discretion.
The spouse, in the absence of a marriage certificate or other document on the allocation of shares in jointly acquired property into the personal property of the husband and wife, automatically assumes the role of borrowers and bears joint liability under the loan agreement.
Military mortgage
Mosoblbank has state accreditation to provide banking services under the Military Mortgage program. A special feature of the program is that payments are financed through government subsidies.
To pay the initial fee, you must have 3 years of service and provide an NIS participant certificate. The funds are transferred from the federal budget with the assistance of the Ministry of Defense and the Federal State Unitary Enterprise Rosvoenipoteka.
For young teachers
The bank participates in the federal program for providing mortgages for young teachers. Part of the funds is provided through government funding. An innovation is the possibility of purchasing a house with a plot of land under the program. Citizens can receive a loan even if they do not have the status of a participant in the program for young teachers, but are employed in such a position.
There is the possibility of early repayment without imposing a moratorium or fees when the debt is fully or partially covered.
There are no fees for processing the loan. There is also no interest on cashing out credit funds.
Documents
To draw up a loan agreement for the purchase of real estate, you will need to provide:
- application form filled with personal data according to the bank form;
- the presence of an insurance policy in relation to the property is mandatory; for risks associated with the identity of the borrower/co-borrower, guarantors or loss of title to the property due to unforeseen circumstances, it is possible to refuse services with an increase in the tariff rate;
- confirmation of income from the main place of earnings, accrual of pension and social benefits, payments under commercial lease agreements for premises owned by the borrower.
- the property is located no more than 100 km from the city limits;
- complete landscaping, connection to the energy supply system, utility systems, equipment with doors and windows, the presence of a roof, utility networks for providing utilities, working plumbing equipment;
- the presence of a separate kitchen and bathroom from other apartments, therefore they are not accepted as provision for rooms in dormitories and communal apartments;
- the property should not be pledged, mortgaged, be the subject of legal disputes, seized on the basis of a resolution of the Bailiff Service, or with the claims of third parties;
- lending is carried out subject to mandatory registration of encumbrances - restrictions on the right to dispose of real estate;
- the premises must be located in a house with at least 2 floors;
- premises with wooden floors are not accepted for mortgage; monolithic structures, brick and other materials are allowed;
- the depreciation of the building should not exceed 60% based on the expert opinion of the appraisers;
- houses with a construction date earlier than 1970 are usually not accepted into the program;
- individual private buildings and land plots cannot be the subject of loan agreements and collateral;
- the premises must be in proper condition, without defects that prevent it from being used for its intended purpose; if the building threatens to collapse or is in disrepair and is registered as such, the bank will not accept it for credit relations.
The full cost of the loan is determined by the cost of the apartment and the amount of the down payment. The price of housing is calculated by experts, subject to drawing up a conclusion on the analysis of the market situation on the real estate market in a certain region.
Based on the specified data, the insurance amount is calculated for the risks of loss or destruction of the collateral. The assessment is carried out both by a company recommended by the creditor bank and by any other organization with the approval of the appointed institution by Mosoblbank.
To consider an application at a bank branch, all documents for the property being purchased or pledged as collateral must be provided in originals for comparison with the submitted copies.
For the collateral and for the purchase of real estate you will need:
- title documents confirming the seller’s ownership, plus a certificate of ownership from Rosreestr;
- an extract from the Unified State Register of Real Estate stating that there are no restrictions on the disposal of the property;
- cadastral and technical passport highlighting the characteristics of the residential premises;
- notarized consent given by the spouse to register ownership of the residential premises and conclude a loan agreement, when establishing a separate regime for the use of property - a marriage contract or an agreement on the allocation of shares;
- an extract from the house register indicating that there are no persons registered in the premises;
- a certificate from the house administration stating that there is no debt for utilities;
- expert opinion on the condition of the premises and its value;
- when classifying a house as a cultural heritage site, a security certificate is required from the authorized body for control of transactions with such real estate.
Pros and cons
The advantages of mortgage lending at Mosoblbank include:
- low interest rate;
- a large percentage of approval of transactions that were rejected by other credit institutions, including Sberbank of the Russian Federation;
- the possibility of financing programs for young teachers and military personnel on preferential terms with the provision of subsidies by the state;
- the possibility of repaying the debt in whole or in part using maternity capital funds, a certificate of participation in the NIS program;
- purchase of houses with land plots under a special program for young teachers.
Among the disadvantages are:
- increasing the interest rate when refusing voluntary and title insurance;
- Submission of electronic reporting to the tax office via the Internet
- Exclusion of a legal entity from the Unified State Register for false information: grounds, appeal of the decision of the Federal Tax Service on the upcoming exclusion
- What is an inn? By contacting the authorized body, you can find out
- Application for deregistration of UTII IP UTII deregistration grounds