For questions related to mortgage loan servicing, you can
contact the offices of VTB Bank (PJSC) providing client support
mortgage loans (the list is available on the VTB Bank (PJSC) website) or by phone
Hotline:

8-800-505-11-11 Calls within Russia are free

Responsibilities

In accordance with the loan agreement, the borrower must:

• Pay monthly payments in accordance with the payment schedule;
• Pay annual insurance premiums under a property insurance contract;
• Pay annual insurance premiums under an accident insurance contract
  and illnesses (when choosing this type of insurance);
• Inform the lender about changes in contact information.

Questions and answers

An employee of VTB Bank (PJSC), at your request, can issue a copy of the Application with a mark on the date of its acceptance, or provide the opportunity to photograph the application with a mark on acceptance on a smartphone (if available).

The new interest rate will begin to apply on the first day of the month following the month of submitting documents to VTB Bank (PJSC).

The insurance premium is paid annually until the start date of the next insurance period (insurance periods are established by the insurance contract).

Important! Promptly provide the support agent - VTB Bank (PJSC) with documents confirming the payment of the insurance premium under the insurance agreement for the following insurance periods.

Please note that in case of non-payment of the insurance premium under the accident and illness insurance agreement, the interest rate on the loan may be increased if this is provided for by the terms of the loan agreement.

When concluding a new insurance contract (additional agreement to the insurance contract), it is necessary to submit to VTB Bank (PJSC) a copy of the contract and a document confirming payment of the insurance premium within 2 (two) working days from the date of conclusion.

List of companies

For partial or full early repayment of the loan, you can submit an application through the “Borrower’s Personal Account” service or contact the office of VTB Bank (PJSC), which provides client support for mortgage loans.

The application is submitted:

• no later than 5 (five) working days before the date of expected early payment, through the borrower’s personal account;
• no later than 15 (fifteen) calendar days before the date of expected early payment through the office of VTB Bank (PJSC).

The application must contain information about the amount and date of the expected early payment.

In the absence of a timely submitted application and funds in the account, the creditor has the right not to take into account the early payment on the specified date.

In case of partial early repayment of the loan, you can choose one of the following options for recalculating the payment schedule, if this is provided for by the terms of the concluded loan agreement:

• shorten the term of using the loan;
• reduce your monthly payment.

Attention! An application for early repayment of the loan is not required when making an early payment using funds provided in the form of additional government support measures (including from maternal (family) capital (MSC)). Upon receipt of the specified funds, partial early repayment of the loan is carried out with a reduction in the loan term. If you wish, in order to reduce the size of the monthly payment, you must, no later than the date of actual receipt of funds, provide information about the method of accounting to the office of VTB Bank (PJSC), which provides client support for mortgage loans.

If the “Maternity capital” option is used, when MSC funds are received, the payment amount is reduced.

After the Developer receives permission to put the property into operation in the prescribed manner, the Developer transfers the shared construction project to you under a transfer deed. After signing the deed of acceptance and transfer of real estate, it is necessary to carry out all the necessary actions to register a mortgage on the finished property.

REGISTRATION OF A MORTGAGE

To draw up a mortgage (additional agreement to the mortgage), you provide the following documents to VTB Bank (PJSC):

• agreement for participation in shared construction / agreement for the assignment of rights of claim under the agreement for participation in shared construction, with all documents specified as appendices to the agreement;
• a new assessment report, except for the case where the previously issued assessment report reflected the market value of the property taking into account the assumption that construction of the property was complete.

The original mortgage note is drawn up in a single copy and signed by all borrowers and property owners.

REGISTRATION OF OWNERSHIP OF REAL ESTATE

Registration of ownership of real estate is possible after the Developer transfers to Rosreestr all the necessary documents for an apartment building and registers the apartment building with the cadastral register. Cadastral registration of an apartment building must include simultaneous registration of all premises in this building.

For state registration of rights, payment of a state fee is provided. Payers of the state duty are organizations and individuals who apply to perform legally significant actions provided for in Chapter 25.3 of the Tax Code of the Russian Federation (hereinafter referred to as the Tax Code of the Russian Federation). If several payers who are not entitled to the benefits established by Chapter 25.3 of the Tax Code simultaneously apply for a legally significant action, the state duty is paid by the payers in equal shares.

To register ownership of a real estate property, the following documents are submitted to the registration authority:

• application of a participant in shared construction for state registration of ownership rights;
• agreement for participation in shared construction / agreement for the assignment of rights of claim under the agreement for participation in shared construction, with all documents specified as an appendix to the agreement;
• act of acceptance and transfer of real estate;
• document confirming full payment of the cost of the property;
• passports or other identification documents of buyers;
• mortgage;
• assessment report;
• loan agreement with all additional agreements to it - if they are concluded.

Important! In addition to the listed documents, other documents may be required.

note

If, when putting into operation an apartment building, all the premises located in it were not simultaneously registered with the cadastral register (information can be obtained on the Rosreestr website, at the cadastral chamber or at the MFC), then a technical plan is required.

List of documents that need to be provided to the cadastral engineer to obtain a technical plan:

1. Passport.

2. Agreement of participation in shared construction / agreement of assignment of rights of claim under the agreement of participation in shared construction.

3. Certificate of acceptance and transfer of real estate.

4. Documents (requested from the developer):

• permission to commission;
• project stage “P” (Section architectural solutions);
• resolution on assigning an address to a house.

When contacting Rosreestr, the personal presence of all participants in shared construction / buyers under an agreement for participation in shared construction / agreement for the assignment of rights of claim under an agreement for participation in shared construction or their authorized representatives with notarized powers of attorney is required.

note

! Original documents and their copies are provided to the authorities carrying out state registration of rights.

Operations for state registration of rights and cadastral registration of real estate in various cases are carried out within 5 to 12 working days

EXECUTION OF AN INSURANCE AGREEMENT

After registration of ownership, you are required to insure the property.

To draw up a property insurance contract, you must provide the following documents to the insurance company:

• title documents for real estate;
• passports of all owners;
• payment schedule;
• loan agreement.

Other documents may be requested at the discretion of the insurance company.

Important! Insurance must be carried out in a company agreed upon by JSC "site".

NOTE

! In respect of the real estate that is the subject of the pledge, unacceptable redevelopment and / or reconstruction should not be carried out.

Inadmissible include: redevelopment and (or) reconstruction of the premises, leading to a violation of the strength or destruction of the load-bearing structures of the building, disruption of the operation of engineering systems and (or) equipment installed on it, deterioration of the safety and appearance of the facades, violation of fire safety devices.

After full repayment of the loan, the support agent - VTB Bank (PJSC), at the request of the borrower, transfers the mortgage to the borrower in the manner and within the time frame established by the current legislation of the Russian Federation.

The borrower transfers the mortgage note with a note about the repayment of obligations to Rosreestr to remove the encumbrance.

When purchasing residential real estate with a mortgage, you can take advantage of the following tax deductions (at the same time):

1. property tax deduction, which is calculated from the amount actually spent on the purchase of real estate (the cost specified in the purchase agreement), while the maximum amount with which a tax deduction is possible is established by the legislation of the Russian Federation in the amount of 2 million rubles (maximum return 13% Personal income tax will be 260 thousand rubles).

2. property tax deduction, which is provided on the amount of interest paid, but not more than 3 million rubles (the maximum refund of 13% personal income tax will be 390 thousand rubles).

You have the right to use a deduction for the acquisition (construction) of real estate, starting from the year in which the ownership of real estate was registered in Rosreestr.

To receive a property deduction at the end of the year you must provide:

• application for a personal income tax refund in connection with the costs of purchasing property;
• tax return (in form 3-NDFL);
• certificate in form 2-NDFL for the corresponding year;
• purchase agreement (agreement for participation in shared construction / agreement for the assignment of rights of claim under an agreement for participation in shared construction / agreement for the purchase and sale of real estate);
• act of acceptance and transfer of real estate;
• payment documents confirming expenses for the acquisition of property.

When receiving a tax deduction from the amount of interest paid on a mortgage loan, the following documents are additionally provided:

• loan agreement;
• mortgage agreement (if any);
• loan repayment schedule;
• payment documents indicating the payment of interest under the loan agreement (for example, a certificate from the lender about the amount of interest paid in the reporting year).

Property tax deduction is provided by the Tax Inspectorate at the place of registration of the taxpayer upon filing a declaration, the necessary documents and compliance with the conditions provided for in Article 220 of the Tax Code of the Russian Federation. More detailed information can be obtained on the Tax Inspectorate website.

The period for transferring the property deduction (overpaid tax) is four months from the date of filing the declaration along with the application, of which three months are allocated for a desk audit and one month for a tax refund.

To direct MSC funds to repay a mortgage loan, you must submit to the Pension Fund of Russia (hereinafter referred to as the PFR) an application for disposal of MSC and a set of documents:

• parents' passports;
• certificate for MSK;
• insurance certificate of compulsory pension insurance of the person who received the certificate;
• birth certificate of all children;
• marriage certificate;
• agreement for participation in shared construction / agreement for the assignment of rights of claim under an agreement for participation in shared construction - if the housing construction project has not been put into operation.
• an extract from the Unified State Register of Real Estate - in the case of the acquisition of residential premises, as well as in the case of commissioning of a housing construction project;
• loan agreement;
• mortgage agreement, if its conclusion is provided for in the loan agreement;
• a certificate from the creditor (lender) about the amount of the balance of the principal debt and the debt to pay interest for using the loan;
• a document confirming receipt of a loan by non-cash transfer to an account opened by the person who received the certificate or his spouse (wife) in a credit institution.

More detailed information about the list of documents can be obtained on the official website of the Russian Pension Fund.

Important! In the event that the residential premises are not registered as the common property of parents and children, it is necessary to provide a notarized written undertaking to register the residential premises as the common shared ownership of all family members after repaying the mortgage loan.

Copies of documents are submitted to the territorial body of the Pension Fund of the Russian Federation along with the original documents. The originals are returned to the certificate holder.

An application for an MSC order can be submitted to the territorial body of the Pension Fund of the Russian Federation at the place of residence (stay) or actual residence, or through the “Personal Account of a Citizen” on the Pension Fund of the Russian Federation website.

If a positive decision is made, the period for transferring funds to MSC does not exceed two months from the date of submission of the application.

The Housing Mortgage Lending Agency was created to provide liquidity to commercial government financial institutions that have the ability to issue large loans to people for the purpose of purchasing housing.

Main functions

Each user has his own personal account on the official website. It allows you to manage your mortgage program.

Section “Credits”

Provides comprehensive information regarding the loan:

• amount, overpayment on loan,
• payment history,
• monthly payment amount.

Here is an electronic version of the agreement. It is possible to create an application for an unscheduled deposit of funds to repay the loan.

Section “Insurance Contracts”

The mortgage is often accompanied by disability, health, and life insurance. In the section you can view the full text of the insurance document.

Section “Appeals”

In it, each client has the opportunity to ask a question of interest to an AHML employee. He has the opportunity to send a request for debt repayment (partial or full) through another bank. You can submit a request for specific documents.

“Messages” section

The client sees:

• system notifications,
• response messages after the client’s request.

Section “Profile”

The section contains personal information identifying the client:

• information about a person’s employment;
• passport details;
• email address and telephone number;
• identification and insurance number.

Information is entered into your personal account during its creation. They are visible to the owner of the login and password, as well as to employees of government financial institutions.

Client capabilities in your personal account

It was created to facilitate quick client access to the current mortgage program. With it you can:

• obtain information regarding loan terms,
• ask for information assistance from employees of a financial institution,
• change lending conditions to the most favorable ones,
• receive documents.

Login

Logging into your personal account is possible only after entering your personal login and password. During the first visit to his personal page, the client must enter his personal insurance number (SNILS). There is a form for renewing your password and login if they are lost.

Registration

Before registering, the client must agree to the terms of the offer. Then provide personal information: full name, phone number and mortgage. To confirm registration, an SMS with your login and password is sent to the specified phone number. They can later be quickly changed to more convenient ones.

Mortgage refinancing AHML 2018

This year, with the help of AHML, it is possible to submit an application for mortgage refinancing to create more comfortable conditions. For this purpose, a corresponding request is created, which is then sent to all parties to the mortgage agreement.

Customer Assistance Program

Through the AHML personal account, the client has the opportunity to write an application sent to the borrower assistance program. A package of all necessary documents is sent to the system and then transmitted electronically directly to the program.

The main page of the client’s personal account contains the loan amount. It also indicates the balance and amount of money paid. With all this information, you can quickly and easily calculate how long it will take to fully repay the loan.

Despite the fact that the service belongs to the state, data can be stolen. Therefore, do not under any circumstances provide your login information or create a simple password.