For service related questions mortgage loan, you can
contact the offices of VTB Bank (PJSC) that provide client support
mortgage loans(the list is indicated on the website of VTB Bank (PJSC)) or by phone
Hotline:

8-800-505-11-11 Call within Russia is 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 the contract property insurance;
• Pay annual insurance premiums under an accident insurance contract
  and diseases (when choosing this type of insurance);
• Inform the lender about the change in contact details.

Questions and answers

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

New interest rate will take effect from the first day of the month following the month in which documents are submitted to VTB Bank (PJSC).

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

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

Please note that in case of non-payment insurance premium under an accident and illness insurance contract, the interest rate on the loan can be increased if it is provided for by the conditions 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 the payment of the insurance premium within 2 (two) business days from the date of conclusion.

List of companies

For partial or full early repayment of the loan, you can apply through the "Personal Account of the Borrower" service or contact the office of VTB Bank (PJSC), which provides client support for mortgage loans.

The application is submitted:

• not later than 5 (five) working days before the date of the proposed early payment, through Personal Area the borrower;
• no later than 15 (fifteen) calendar days before the date of the proposed early payment through the office of VTB Bank (PJSC).

The application must contain information on the amount and date of the proposed early payment.

In the absence of a timely application and Money on the account, the creditor has the right not to take into account 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 the loan;
• reduce your monthly payment.

Attention! An application for early repayment of the loan is not required when making an early payment at the expense of funds provided in the form of additional state support measures (including at the expense of maternity (family) capital (MSC)). Upon receipt of these funds, a partial early repayment loans with a shorter term. If you wish, in order to reduce the amount of the monthly payment, you must, no later than the date of actual receipt of funds, provide the office of VTB Bank (PJSC) that provides client support for mortgage loans with information on the method of their accounting.

If the option " Maternal capital» upon receipt of MSC funds, the amount of the payment decreases.

After the Developer receives in accordance with the established procedure permission to put the real estate object into operation, the Developer transfers the shared construction object to you according to the transfer act. After signing the act of acceptance and transfer of real estate, it is required to carry out all necessary actions on registration of a mortgage on a finished property.

MORTGAGE ISSUANCE

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

• participation agreement in shared construction/ an agreement on the assignment of rights of claim under an agreement on participation in shared construction, with all the documents specified as annexes to the agreement;
• a new valuation report, unless the previously issued valuation report reflected the market value of the property, taking into account the assumption of completion of the property.

The original mortgage 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 required documents for an apartment building and productions apartment building for cadastral registration. The cadastral registration of an apartment building should include the simultaneous registration of all premises in this building.

For the implementation state registration rights are subject to the payment of a state fee. State duty payers are organizations and individuals who applied for the performance of legally significant actions provided for in Chapter 25.3 Tax Code Russian Federation(hereinafter - the Tax Code of the Russian Federation). In the event that several payers who are not entitled to the benefits established by Chapter 25.3 of the Tax Code applied for a legally significant action at the same time, the state duty is paid by the payers in equal shares.

To register the ownership of a property, the following documents are submitted to the registering authority:

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

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

note

If, during the commissioning of an apartment building, the cadastral registration of all the premises located in it was not simultaneously carried out (information can be obtained on the Rosreestr website, in the cadastral chamber or in the MFC), then a technical plan is required.

The list of documents that you need to provide to the cadastral engineer to obtain a technical plan:

1. Passport.

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

3. The act of acceptance and transfer of real estate.

4. Documents (requested from the developer):

• permission to put into operation;
• project stage "P" (Section architectural solutions);
• decision on the assignment of an address to the house.

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

note

! The bodies that carry out state registration of rights are provided with original documents and their copies.

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

CONTRACT OF INSURANCE CONTRACT

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

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

• 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 by JSC "site".

NOTE

! The mortgaged property must not be subject to unacceptable alterations and/or alterations.

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

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

The borrower transfers the mortgage with a note of 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 acquisition of real estate (the value specified in the acquisition agreement), while maximum amount, from which it is possible to issue a tax deduction, is established by the legislation of the Russian Federation in the amount of 2 million rubles (the maximum return of 13% of personal income tax will be 260 thousand rubles).

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

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

For getting property deduction At the end of the year, you must submit:

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

Upon receipt of 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 evidencing the payment of interest under a loan agreement (for example, a creditor's certificate of the amount of interest paid in the reporting year).

Property tax deduction provided tax office at the place of registration of the taxpayer upon submission of the declaration, necessary documents and compliance with the conditions stipulated by Article 220 of the Tax Code of the Russian Federation. More information can be found on the website of the Tax Office.

The term 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 allotted for a desk audit and one month for a tax refund.

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

• parents' passports;
• certificate for MSC;
• insurance certificate of compulsory pension insurance of the person who received the certificate;
• birth certificate of all children;
• marriage certificate;
• an agreement on participation in shared construction / an agreement on the assignment of rights of claim under an agreement on participation in shared construction - if the object housing construction not put into operation.
• extract from the United state register real estate - in the case of the acquisition of residential premises, as well as in the case of commissioning of a housing construction facility;
• loan agreement;
• mortgage agreement, if its conclusion is provided for by the loan agreement;
• certificate of the creditor (lender) on the size of the balance of the principal debt and debt on payment of interest for the use of the loan;
• a document confirming the receipt of a loan by bank transfer to the account, open face who received the certificate, or his spouse (wife) in credit institution.

More detailed information about the list of documents can be found on the official website pension fund Russia.

Important! In the case when the residential premises are not registered in the common property of parents and children, it is necessary to provide a notarized written obligation to register the residential premises in the common fractional ownership all family members after the repayment of the mortgage loan.

Copies of documents are submitted to the territorial body of the PFR with the original documents. The originals are returned to the owner of the certificate.

An application for the disposal of the MSC can be submitted to the territorial body of the PFR at the place of residence (stay) or actual residence or through the “Citizen's Personal Account” on the PFR website.

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

The Home Mortgage Lending Agency was created to provide liquidity to commercial public financial institutions that have the power to issue large loans to people for the purpose of purchasing a home.

Main functions

Each user has his own personal account on the official website. It can manage the mortgage program.

Section “Loans”

Provides comprehensive information regarding the loan:

• amount, loan repayments,
• payment history,
• the amount of the monthly installment.

It contains electronic variant contracts. It is possible to create an application for an unscheduled deposit of funds to repay the loan.

Section “Insurance contracts”

Mortgages are often accompanied by disability, health, and life insurance. In the section it is possible to 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 complete) through another bank. You can apply for specific documents.

Section “Messages”

The client sees:

• system notifications,
• response messages after the customer's request.

Section “Profile”

The section contains personal information that identifies the client:

• information about a person's employment;
• passport data;
• email address and phone number;
• identification and insurance number.

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

Client options in the personal account

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

• receive information regarding the terms of credit,
• ask for information assistance from employees of a financial institution,
• change the terms of credit to the most favorable,
• get 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 a personal insurance number (SNILS). There is a form for renewing the password and login if they are lost.

Registration

Before registration, the client must agree to the terms of the offer. Then enter personal information: full name, phone number and mortgage. To confirm registration specified number phone receives an SMS with a username and password. They can later be quickly changed to more convenient ones.

AHML mortgage refinancing 2018

This year, with the help of AHML, it is possible to apply for mortgage refinancing to create more comfortable conditions. For this purpose, an appropriate appeal is created, which is then sent to all parties to the mortgage agreement.

Customer Assistance Program

Through the personal account of AHML, 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 transferred electronically directly to the program.

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

Despite the fact that the service belongs to the state, data can be stolen. Therefore, in no case do not provide data for logging in, or create a simple password.