Making major purchases such as a home, car, furniture, or Appliances, credit is becoming more popular. And sometimes money is urgently required to pay for education, treatment, recreation, etc.

In these cases it is also possible to use borrowed money. However, for large families Repaying a loan with interest is not easy.

By supporting such families, the state, with the assistance of banks, implements programs that allow obtaining loans for various purposes on preferential terms.

Consider where and how you can get a soft loan for large families.

In order to use measures state support family must meet certain criteria. As a rule, they relate to the number of children and the age of the spouses.

Families with many children are considered to be those in which at the time of applying for help in obtaining a loan there are three or more children whose age is less than 18 years.

Adult children are counted in the following cases:

• if they are currently serving in the army on an emergency call;
• studying in the daytime department educational institution middle or higher professional level on a budgetary basis.

In the latter case, families are eligible for assistance until the children reach the age of 23.

If a student is expelled or transferred to a correspondence department, the opportunity to use benefits is lost.

Most of credit programs for families aims to improve their living conditions.

difference mortgage loans in their duration, so banks set limits for the age of borrowers, as a rule, it is 35 years. In other words, such loans are intended primarily for young families.

Preferential bank loan products for large families in 2017-2018

Most of the soft loans offered by banks to large families in 2017-2018 are mortgage loans. This is quite logical, given the cost of housing and the relatively small earnings of young families with children.

But there are other loans, targeted or consumer, when applying for which you can count on certain benefits.

They can be expressed as follows:

• reduced interest rate, sometimes twice the base rate;
• minimum an initial fee or its absence;
• credit holidays at the birth of a child;
• the possibility of repaying interest on a loan at the expense of maternity capital (for example, to pay for education or a mortgage);
• debt restructuring if necessary.

At the same time, loans are issued to large families on a general basis.

The Bank carefully checks not only the borrower's compliance with the criteria for participation in concessional lending programs, but also his ability to repay the loan on time. If there is any doubt about this, the loan will most likely not be given.

Banks proceed from the fact that monthly loan repayment payments should not exceed 30-50% of the total family income. It includes not only the salaries of parents, but also various benefits.

Therefore, even if the level of official earnings is relatively low, families with many children may well count on loan approval.

In order to increase the chances of a positive response, one of the parents with many children, whose official income is higher, should apply. If this seems not enough, then you can involve your spouse or parents as a co-borrower. This allows you to assess the level of income of the entire family as a whole. Or the older generation of the family may be involved as guarantors.

Sberbank loans for young and large families

In 2017, any targeted government programs Sberbank does not support large families. Moreover, almost all mortgage programs with government co-financing have been curtailed this year.

But the fact of having many children can be taken into account when issuing a loan that implies benefits for other reasons.

So, Sberbank offers a reduced interest rate for consumer loans those borrowers who receive wages to the card of this bank.

A loan "for your own" implies not only a lower percentage, but also solid amounts that can be issued. You can also reduce the interest on the loan by another 1-2% if you insure your life for the entire repayment period.

You can confirm your reliability as a borrower by submitting proof of ownership of housing or a new car. A pledge on this property is not issued, but if the debt is not paid, it may be foreclosed.

Banks, first of all, are interested in the return of the issued loan and the payment of interest for its use.

Therefore, they establish a number of requirements for borrowers that are common to all credit institutions:

• Russian citizenship;
• working age, as a rule, from 21 to 60 (55 for women) years;
• permanent employment for more than a year, and at least 3 months at the current place;
• availability of official earnings sufficient to pay monthly contributions.

To confirm these facts, you will need to attach a copy of a valid Russian passport to the loan application, as well as a certificate of employment, best if it is 2 personal income tax. The original passport is presented to the bank employee accepting the application.

The same set of requirements and supporting documents applies to the second spouse if he acts as a co-borrower.

The fact of having many children to receive a loan on preferential terms is confirmed by:

• birth certificates of children (their copies);
• passports of children (their copies);
• a certificate of family composition received in the passport office of the housing office.

If the head of a large family works as individual entrepreneur, he will need to provide a certificate of registration as an individual entrepreneur and a declaration of 3 personal income tax.

Families with many children, as well as other borrowers, may be denied a loan if the bank considers their income insufficient to repay the debt on time.

However, this does not mean that a soft loan for large families is impossible in principle. After some time, you can re-submit the application, reducing the requested amount or indicating additional sources of income.

In this case, the chance of a positive answer is quite high.

We describe typical solutions legal issues, but each case is unique and requires individual legal assistance.

For a prompt resolution of your problem, we recommend contacting qualified lawyers of our site.

Our experts monitor all changes in legislation in order to provide you with reliable information.

In the context of the demographic crisis, the Russian government has determined that one of the main driving forces that can solve the problem is a large family. To support this category, there are subsidies, subsidies, free provision and other privileges, including concessional lending.

What is a soft loan: concept and principle of operation

Each banking institution has its own loan program, which is called credit policy. Its basis is the most optimal ratio of risk and return. Benefits are significantly affected by the situation with the economy, political stability, exchange rate national currency. Based on this, conditions are formed for all borrowers.

Some of the loans are targeted at a specific group and have softer terms than regular loans. In this case, the bank deliberately incurs losses if federal, municipal structures, the borrower's employers or the lender itself undertake to cover them. Based on this, the types of concessional lending are distinguished:

• state, to support certain categories of the population - large and young families, pensioners, students;
• banking, aimed at attracting customers, promoting their products on the market;
• loans for specialists of important professions – Special offers for employees of individual enterprises with which the bank has agreements.

Loans on special conditions are always targeted - the purchase of real estate, Vehicle, training, entrepreneurship support, stimulation of certain sectors of the economy and others.

Lending is carried out on the basis of the application of a potential borrower. Banks assess the risks and creditworthiness of the client. If the decision is positive, an agreement is signed, which defines the conditions for fulfilling obligations, in accordance with the current programs. Sometimes borrowers go through a kind of competition, since the volume of allocated Money may be limited.

Large families: determining the status

The legislation of Russia does not give a clear concept of the family. But from the provisions of the Family Code of the Russian Federation it follows that the determining factors are:

• marriage;
• the birth or adoption of children for upbringing;
• joint life;
• joint responsibility.

In most of Russia, a family with 3 or more children is considered to have many children. The age of children is up to 18 years. Status granted:

• in the presence of citizenship of the Russian Federation or a residence permit;
• complete and incomplete families;
• with children from previous marriages, relatives and / or adopted (officially adopted).

In some areas, adults (up to 23 years old) are counted if they study at a higher or secondary institution with a budgetary daytime education. Registration of the status is impossible if the child is fully supported by the state or the parents are deprived of the right to raise children.

Preferential government programs

Support for families with children is provided at the federal and regional levels. Decree of the President of 05.05.92. No. 431 instructs each region to independently establish a sign of large families and the need for additional social protection. Therefore, when you change your place of residence, you need to re-apply for status, in relation to local law.

The state subsidizes housing and communal services, allocates money for medicines for children under 6 years old (by prescription), shoes, clothes, and provides places in preschool institutions. Preferential lending makes it possible to make large purchases, such as housing, transport, even with relatively small incomes of parents.

Working since 2017 federal program on a mortgage, thanks to which families with many children can apply for a loan on the terms of state compensation 4% credit rate.

Since July 2017, the Government has been compensating for a car loan (Resolution No. 808 of 07/07/2017). According to current program « family car”, the buyer is exempt from the down payment. If you have not previously had your own transport, you can additionally receive a 10% discount (of the cost) on another offer - "The first car". Thanks to the state subsidy, the bank's base rate is reduced by 6.7 points.

To apply for a loan for the purchase of a car worth no more than 1.45 million rubles. necessary:

• have a regular source of income;
• correspond to the age of 21-65 years;
• possession of a driver's license;
• no other car loans;
• purchase a car manufactured in 2016-2017 from an official representative or dealer.

Loan term - 3 years.

Banking products: how to get a loan on favorable terms

For families with many children, the state guarantees land plot for construction, and credit target programs for construction should be looked for in banks. Some regions have their own preferential offers, developed jointly with financial institutions. They may provide for:

• reduced interest rate;
• no down payment (or minimum size);
• change in the payment schedule or credit holidays at the birth of a child;
• use of maternity capital as a source of repayment or collateral;
• possibility of debt restructuring if necessary.

For long-term lending, restrictions on the age of parents are possible. For example, on a mortgage - up to 35 years.

financial institution carefully checks the borrower's compliance with the requirement of concessional lending, his ability to repay the loan received. When calculating, they are guided by the fact that monthly deductions should not exceed 30-50% family budget. At the same time, the total income is calculated taking into account salaries and various benefits, which gives a chance to get a loan for the family even with small earnings.

It is better to apply to the spouse who has more official income. If it turns out to be insufficient, a second spouse or parents can be involved as a co-borrower (Article 323 of the Civil Code of the Russian Federation). This will allow us to consider the total family income.

• “Mortgage for young families” (from 8.6% per annum, for up to 30 years) for the purchase of apartments under construction, new apartments and housing for secondary market;
• credit for leading personal subsidiary farms- up to 1.5 million rubles. without commissions. Part of the interest rate is subsidized by the state;
• loan for military personnel - participants of the NIS. With collateral (guarantee) - 13.5% for up to 1 million rubles, without collateral - 14.5%, 500,000 rubles, term - up to 5 years, for any purpose.

Preferential car loans Sberbank from 01.01.16. handed over to its retail structure for convenience. LLC "Cetelem Bank" specializes in issuing loans to individuals, including large retail chains and car dealerships.

The draft Russian budget for 2018 proposes to continue state subsidies when buying a car under the Family Car and First Car programs. The government has allocated 20 billion rubles for subsidies to large families. The concept of the state family policy of the Russian Federation has been developed until 2025. It is possible that new programs to support large families will be opened within its framework.

Questions and answers

Can I get a discounted car loan? She has three children, the oldest is 9 and the youngest is 2. I divorced my husband and have two children with me.

No you can not. In the event of a divorce of spouses, the one with whom 3 or more children remain to live is considered to have many children.

How to get a soft loan to buy a home?

To apply for a state subsidy, you need:

• confirm the status of those in need of better housing conditions;
• receive a certificate confirming the right to compensation (become a member of the Young Family program);
• apply to the Mortgage Lending Agency (an organization established by the Government).

After that, choose a bank, familiarize yourself with the proposed conditions, submit documents and conclude an agreement.

How to get an interest-free loan for large families?

Article 809 of the Civil Code of the Russian Federation establishes that a loan is considered interest-free, which is issued:

• for an amount not exceeding 50 minimum wages;
• only for personal use (not for business purposes);
• in the form of an apartment, a car and other property.

Obviously, bank loans are not gratuitous, since this is contrary to the principle of their work. For the borrower, it will be interest-free, if only the state compensates the overpayment to the lender.

You can apply for this type of loan through:

• credit card with a grace period during which no interest is charged. If the spent amount is not returned to the card account within the prescribed period, the bank calculates the overpayment, as with ordinary lending;
• receiving money at the enterprise where the person works. This is not prohibited by law. It is issued by the decision of the management on the basis of the concluded agreement, which sets the repayment period. Money is returned gradually from salary or other income.

The maximum limit on the card is up to 700,000 thousand, the grace period is from 50 to 1846 days, the percentage is from 12 to 49.9 per annum. Beneficial for those who have permanent cash receipts.

The amount and term of a loan received by an enterprise depends on many factors. This may be the position, the size of the employee's salary, and even the personal attitude of the management towards him.

The documents

• Civil Code of the Russian Federation, http://base.garant.ru/10164072/
• Family Code of the Russian Federation, http://pravo.gov.ru/proxy/ips/?docbody=&nd=102038925
• Decree No. 431, http://base.garant.ru/10100845/
• Decree No. 808,

According to the current legislation, in the Russian Federation, a family with more than 2 children, each of whom is less than 16 years old, is recognized as a large family, however, in some subjects the number of children may be more. It is especially worth noting that we are talking not only about relatives, but also about adopted children. A child ceases to be counted as part of the family when he reaches the age of 23, if after the age of 18 he was in training or in the ranks of the armed forces.

Decrees of the governments of the subjects of the federation (“On the approval of the procedure for providing social support measures to large families ...”) establish benefits, which, as a rule, include those related to the registration of preferential mortgages.

How to take part in the social program

A large family is not just a fact, but a social status. It must be properly issued and certified, since without registration it is not automatically assigned to the family.

Status holders can freely access all social benefits provided by the legislation of the given subject of the federation. For this, documents are collected and submitted to territorial bodies guardianship, social security or MFC, namely:

1. Birth certificates for all children.
2. Passports of parents (legal representatives).
3. Information about the composition of the family.
4. Single mothers file a divorce certificate.

As soon as all documents (copies) along with the application are submitted, verified (no longer than 1 month), a case will be opened. After its consideration, as a rule, it is required to submit additional documents, about which the family is notified. And only when all the necessary information about the family is collected, it is assigned the social status of having many children, about which an appropriate certificate is issued. In a number of subjects, the certificate has a limited validity period (1 year), in others it is indefinite.

Features of mortgages for large families in 2017

There is still no special law on mortgages for large families. There is currently only a federal program "Providing citizens of Russia with affordable housing and utilities", which was adopted back in 2013, then extended until 2016, now we are talking about its extension or replacement with a new wording.

The program covers a range of preferential categories citizens, including large families under the subprogram "Housing for the Russian family". According to the program, parents of 3 or more children are entitled to receive compensation from the state for a preferential mortgage for large families, which avoids disagreements due to various regional formulations of this social status.

Sberbank: mortgages for large families in 2017

Sberbank is today the leader in terms of the volume of mortgage loans issued to the population in the country. Also, the bank with state participation conducts various programs aimed at implementing social programs on the favorable conditions. Therefore, almost every second large family goes to Sberbank to apply for a mortgage loan.

Today, a mortgage for large families in Sberbank is not a rigid set of conditions, but an opportunity to conclude an agreement on individual conditions. Social mortgage 2017 is focused on the borrower, his financial capabilities, the available down payment, the number of co-borrowers and other factors.

The key advantages of obtaining a social mortgage for a large family in Sberbank:

1. Low interest rate - from 12% per annum.
2. Possibility to get a loan for up to 30 years.
3. The amount of the down payment is from 20% of the cost of the purchased housing.
4. You can not confirm the size monthly income and employment.

You can fill out and submit an application directly on the bank's website by filling out a questionnaire. The application is considered within a week, after which the result is reported to the applicant via the specified communication channel. When positive decision the borrower is invited for an interview to agree on the terms of the loan.

Since the incomes of young families, as a rule, are not high, given the number of children, banks are accommodating and allow co-borrowers to be attracted. Sberbank is no exception in this regard. When applying for a mortgage loan, a family has the right to attract up to 6 co-borrowers. At the same time, in order to increase the size of the loan, you can take into account the income of each of the co-borrowers.

This is not the only difference between a social mortgage and a regular one.

If the family appears new baby, then the bank may, upon application, grant a deferment of the payment of the main loan (credit holidays). Also, in case of any difficulties arising in the payment of current payments, the borrower can also contact the bank for settlement.

Attention!

Attention!

• Russian citizenship;

Types and amount of assistance to large families

For recent years the state actively encourages citizens to improve demographic situation in the country.

For example, they are trying to increase the birth rate by providing social assistance to large families.

The introduction of effective support measures has led to a long-awaited result - more and more parents are thinking about the birth of a 3rd child. What are the benefits for a large family?

Legislative regulation of the issue

The current measures to support large families are contained in Decree of the President of the Russian Federation No. 431, dated 05/05/1992.

The document is regularly amended and supplemented, but it does not cease to be the only valid legislative act regulating the relationship between a large family and the state.

The Decree prescribes a certain list of benefits, which includes such areas of life as public Utilities, subsidies, allocation of land, assistance in the development of farming, preferential mortgage loans, provision of free meals to schoolchildren, etc.

The same document assigns the main list of responsibilities for the comprehensive support of large families to the regional authorities.

General information and list of state support

The federal document establishes the following benefits for large families:

• a discount, the amount of which should be at least 30% of payments for heating, water, sewerage, electricity and gas, and for those living in houses not equipped with central heating - for purchased fuel, within the limits provided for in a particular region;
• allocation of free medicines (by prescription) for children under 6 years of age;
• free transfer to public transport intracity (metro, trams, trolleybuses, buses), as well as intra-district and suburban type (buses);
• priority admission to a preschool institution;
• provision of free breakfasts and lunches in schools and vocational schools;
• free admission to any cultural event, but not more than once a month;
• the allocation of a free set of school uniforms or other clothing that meets the requirements, as well as a tracksuit during the time the child is studying in a general education institution;
• gratuitous support for a large family that decided to organize farming or another structure aimed at making a profit (provision of a land plot, full or partial exemption from paying land tax within a certain time period or the use of a reduced rate);
• reduction of registration fees from individuals dedicated to entrepreneurship;
• the priority allocation of a garden plot to a large family;
• assistance in providing a large family with preferential mortgage loan or an interest-free loan necessary for the construction of housing or the purchase of various materials for construction.

In addition, when developing local programs, regional authorities should take into account the need for employment of a parent with many children, the provision of work on a flexible schedule (part-time work, work at home, temporary work, etc.), training and retraining in accordance with the state of the economy and the market labor.

Housing issue

Currently, there are several programs aimed at improving the housing situation for families with many children.

The difference lies in the rules and conditions for the provision of assistance.

A family with many children, standing in line for the improvement of housing space, can count on the allocation of budgetary funds at the local level. Acquired housing in the territorial plan is limited only by the country.

The minimum area for 1 family member is 18 sq.m. Dedicated grant can be used on the:

• building your own house;
• purchase of a finished apartment;
• expansion of space compared to the occupied premises;
• redemption of a free room in a communal apartment.

A large family that was on the waiting list before 2005 can receive 100% state aid. When calculating the allocated amount, the available living space is taken into account.

Benefits Programs

The state is trying in every possible way to help large families with the purchase of their own living space. For example, through the Young Family and Affordable Housing programs. The allocated state subsidies can even be used to pay off a mortgage loan. It is also allowed to pay off housing debt to the bank with the help of maternity capital.

The federal program provides for the provision of housing in any subject of the country.

In addition, large families the following types of support:

1. Repayment of higher interest rates. This assistance is provided to families for whom housing issue is especially sharp.
2. 50% refund of the amount of money spent on rented accommodation. The funding source is local budget. The amount of compensation directly depends on the average market value of rent for housing in a particular area.
3. A payout equal to 1/3 of the value of the desired square meters on the market. Each large family can receive 30 square meters from the state. m. as a gift. At the same time, the initial payment and the size of the annual interest rate (for 10 years) should not exceed 10%.

Each newborn, who appeared in the family after the conclusion of an agreement with the bank, gives the right to write off part of the loan obligations - up to 18% of the amount. The term of the provided mortgage loan is up to 30 years.

Targeted assistance

address financial assistance in accordance with federal programs, they are allocated not only to large families, but also to low-income families. To obtain it, the submission of a corresponding written application is required.

Most common types of targeted payments:

• one-time;
• grocery;
• monthly (regular);
• compensation transport costs schoolchildren.

The benefits provided are directly dependent on the number of children in the family.

The allocation of targeted assistance requires the provision package of documents, consisting of:

• statements;
• identity document;
• extracts from the place of residence;
• paper confirming the income of each member of a large family for 3 months;
• a certificate for each child and a document confirming the marriage;
• other papers requested locally.

In response to a request for targeted assistance, a refusal will come if the following facts are found:

• departure to another area;
• falsification and fraud;
• false information specified in the submitted documents;
• unreliable total family income.

social contract

From 2011 to the present, the state continues to conduct an experiment, which is expressed in the provision of targeted payments and other types of budgetary assistance in accordance with the signed social contract.

On the one hand, such an agreement is signed by a large family, and on the other hand, by the department of social protection. At the same time, the only goal is to create a comfortable microclimate so that the family can gradually cope with a difficult financial situation and achieve a decent standard of living in the future.

Targeted assistance can be provided in each individual region in different ways, but its sequence design something like this:

1. Making a visit to the department of social protection at the place of registration and providing its employees with all the necessary documents.
2. A specially created commission has 25 days to determine the need for assistance.
3. A continuation of the positive response is the development of a program that helps a large family out of crisis conditions.
4. This is followed by the signing of an agreement, the validity of which can vary from 3 to 6 months, which describes in as much detail as possible a number of obligations imposed on a parent with many children (search for work or development Agriculture etc.).
5. After passing through all the stages, the program takes effect. Help is to provide building materials for repair work help you find a job or start your own business.

Sphere of education and medicine

A large family can count on the following medical privileges:

• provision of medicines for children free of charge;
• extraordinary service in any medical institution;
• priority provision of a place in a sanatorium-resort institution;
• secretion of vitamins needed for seasonal time, and their mothers - during the next interesting situation.

Benefits that make life much easier the sphere of education:

• free educational and teaching aids issued both at school and at the university;
• additional education free of charge (this group includes various circles and sections);
• priority conditions for enrolling in a university, that is, if a member of a large family scored the same number of points as another applicant, then the first one will be accepted to study;
• an increased scholarship, the amount of which is half the minimum wage (at the same time, intermediate certification must be passed at "4" and "5");
• refund of half the cost of paid education;
• extraordinary allocation of a place in a preschool institution;
• provision of meals and school uniforms free of charge.

Provision of legal services

The presence of 3 or more children in the family gives the right to getting free legal aid on the following questions:

• buying a home;
• insurance covering any area other than medical;
• the composition of the package of documents required for registration of benefits;
• representation in court hearings, etc.

Free legal advice is a very relevant service, as many large families feel unprotected due to lack of funds.

See the following video about state support for large families in Moscow:

Preferential loans for large families in 2017-2018: programs, conditions, how to get, necessary documents, laws

Making large purchases, such as a home, car, furniture or household appliances, on credit is becoming more and more popular. And sometimes money is urgently required to pay for education, treatment, recreation, etc.

In these cases, it is also possible to use borrowed funds. However, for families with many children it is quite difficult to repay the received loan with interest.

By supporting such families, the state, with the assistance of banks, implements programs that allow obtaining loans for various purposes on favorable terms.

Consider where and how you can get a soft loan for large families.

In order to benefit from state support measures, a family must meet certain criteria. As a rule, they relate to the number of children and the age of the spouses.

Families with many children are considered to be those in which at the time of applying for help in obtaining a loan there are three or more children whose age is less than 18 years.

Adult children are counted in the following cases:

• if they are currently serving in the army on an emergency call;
• study at the full-time department of an educational institution of an average or higher professional level on a budgetary basis.

In the latter case, families are eligible for assistance until the children reach the age of 23.

If a student is expelled or transferred to a correspondence department, the opportunity to use benefits is lost.

Attention!

Most of the credit programs for families are aimed at improving their living conditions.

The difference between mortgage loans is their duration, so banks set limits for the age of borrowers, usually 35 years. In other words, such loans are intended primarily for young families.

Preferential bank loan products for large families in 2017-2018

Most of the soft loans offered by banks to large families in 2017-2018 are mortgage loans. This is quite logical, given the cost of housing and the relatively small earnings of young families with children.

But there are other loans, targeted or consumer, when applying for which you can count on certain benefits.

They can be expressed as follows:

• reduced interest rate, sometimes twice the base rate;
• minimum initial payment or its absence;
• credit holidays at the birth of a child;
• the possibility of repaying interest on a loan at the expense of maternity capital (for example, to pay for education or a mortgage);
• debt restructuring if necessary.

At the same time, loans are issued to large families on a general basis.

The Bank carefully checks not only the borrower's compliance with the criteria for participation in concessional lending programs, but also his ability to repay the loan on time. If there is any doubt about this, the loan will most likely not be given.

Banks proceed from the fact that monthly loan repayment payments should not exceed 30-50% of the total family income. It includes not only the salaries of parents, but also various benefits.

Attention!

Therefore, even if the level of official earnings is relatively low, families with many children may well count on loan approval.

In order to increase the chances of a positive response, one of the parents with many children, whose official income is higher, should apply. If this seems not enough, then you can involve your spouse or parents as a co-borrower. This allows you to assess the level of income of the entire family as a whole. Or the older generation of the family may be involved as guarantors.

Sberbank loans for young and large families

In 2017, Sberbank does not implement any targeted state programs to support large families. Moreover, almost all mortgage programs with government co-financing have been curtailed this year.

But the fact of having many children can be taken into account when issuing a loan that implies benefits for other reasons.

So, Sberbank offers a reduced interest rate for consumer loans to those borrowers who receive wages on the card of this bank.

A loan "for your own" implies not only a lower percentage, but also solid amounts that can be issued. You can also reduce the interest on the loan by another 1-2% if you insure your life for the entire repayment period.

You can confirm your reliability as a borrower by submitting proof of ownership of housing or a new car. A pledge on this property is not issued, but if the debt is not paid, it may be foreclosed.

Banks, first of all, are interested in the return of the issued loan and the payment of interest for its use.

Therefore, they establish a number of requirements for borrowers that are common to all credit institutions:

• Russian citizenship;
• working age, as a rule, from 21 to 60 (55 for women) years;
• permanent employment for more than a year, and at least 3 months at the current place;
• availability of official earnings sufficient to pay monthly contributions.

To confirm these facts, you will need to attach a copy of a valid Russian passport to the loan application, as well as a certificate of employment, best if it is 2 personal income tax. The original passport is presented to the bank employee accepting the application.

The same set of requirements and supporting documents applies to the second spouse if he acts as a co-borrower.

The fact of having many children to receive a loan on preferential terms is confirmed by:

• birth certificates of children (their copies);
• passports of children (their copies);
• a certificate of family composition received in the passport office of the housing office.

If the head of a large family works as an individual entrepreneur, he will need to provide a certificate of registration as an individual entrepreneur and a declaration of 3 personal income tax.

Families with many children, as well as other borrowers, may be denied a loan if the bank considers their income insufficient to repay the debt on time.

However, this does not mean that a soft loan for large families is impossible in principle. After some time, you can re-submit the application, reducing the requested amount or indicating additional sources of income.

In this case, the chance of a positive answer is quite high.

We describe typical ways to resolve legal issues, but each case is unique and requires individual legal assistance.

Our experts monitor all changes in legislation in order to provide you with reliable information.

Making large purchases, such as a home, car, furniture or household appliances, on credit is becoming more and more popular. And sometimes money is urgently required to pay for education, treatment, recreation, etc.

In these cases, it is also possible to use borrowed funds. However, for families with many children it is quite difficult to repay the received loan with interest.

By supporting such families, the state, with the assistance of banks, implements programs that allow obtaining loans for various purposes on favorable terms.

Consider where and how you can get a soft loan for large families.

In order to benefit from state support measures, a family must meet certain criteria. As a rule, they relate to the number of children and the age of the spouses.

Families with many children are considered to be those in which at the time of applying for help in obtaining a loan there are three or more children whose age is less than 18 years.

Adult children are counted in the following cases:

• if they are currently serving in the army on an emergency call;
• study at the full-time department of an educational institution of an average or higher professional level on a budgetary basis.

In the latter case, families are eligible for assistance until the children reach the age of 23.

If a student is expelled or transferred to a correspondence department, the opportunity to use benefits is lost.

Attention!

Most of the credit programs for families are aimed at improving their living conditions.

The difference between mortgage loans is their duration, so banks set limits for the age of borrowers, usually 35 years. In other words, such loans are intended primarily for young families.

Preferential bank loan products for large families in 2018

Most of the soft loans offered by banks to large families in 2018 are mortgage loans. This is quite logical, given the cost of housing and the relatively small earnings of young families with children.

But there are other loans, targeted or consumer, when applying for which you can count on certain benefits.

They can be expressed as follows:

• reduced interest rate, sometimes twice the base rate;
• minimum initial payment or its absence;
• credit holidays at the birth of a child;
• the possibility of repaying interest on a loan at the expense of maternity capital (for example, to pay for education or a mortgage);
• debt restructuring if necessary.

At the same time, loans are issued to large families on a general basis.

The Bank carefully checks not only the borrower's compliance with the criteria for participation in concessional lending programs, but also his ability to repay the loan on time. If there is any doubt about this, the loan will most likely not be given.

Banks proceed from the fact that monthly loan repayment payments should not exceed 30-50% of the total family income. It includes not only the salaries of parents, but also various benefits.

Attention!

Therefore, even if the level of official earnings is relatively low, families with many children may well count on loan approval.

In order to increase the chances of a positive response, one of the parents with many children, whose official income is higher, should apply. If this seems not enough, then you can involve your spouse or parents as a co-borrower. This allows you to assess the level of income of the entire family as a whole. Or the older generation of the family may be involved as guarantors.

Sberbank loans for young and large families

In 2017, Sberbank does not implement any targeted state programs to support large families. Moreover, almost all mortgage programs with government co-financing have been curtailed this year.

But the fact of having many children can be taken into account when issuing a loan that implies benefits for other reasons.

So, Sberbank offers a reduced interest rate for consumer loans to those borrowers who receive wages on the card of this bank.

A loan "for your own" implies not only a lower percentage, but also solid amounts that can be issued. You can also reduce the interest on the loan by another 1-2% if you insure your life for the entire repayment period.

You can confirm your reliability as a borrower by submitting proof of ownership of housing or a new car. A pledge on this property is not issued, but if the debt is not paid, it may be foreclosed.

Banks, first of all, are interested in the return of the issued loan and the payment of interest for its use.

Therefore, they establish a number of requirements for borrowers that are common to all credit institutions:

• Russian citizenship;
• working age, as a rule, from 21 to 60 (55 for women) years;
• permanent employment for more than a year, and at least 3 months at the current place;
• availability of official earnings sufficient to pay monthly contributions.

To confirm these facts, you will need to attach a copy of a valid Russian passport to the loan application, as well as a certificate of employment, best if it is 2 personal income tax. The original passport is presented to the bank employee accepting the application.

The same set of requirements and supporting documents applies to the second spouse if he acts as a co-borrower.

The fact of having many children to receive a loan on preferential terms is confirmed by:

• birth certificates of children (their copies);
• passports of children (their copies);
• a certificate of family composition received in the passport office of the housing office.

If the head of a large family works as an individual entrepreneur, he will need to provide a certificate of registration as an individual entrepreneur and a declaration of 3 personal income tax.

Families with many children, as well as other borrowers, may be denied a loan if the bank considers their income insufficient to repay the debt on time.

However, this does not mean that a soft loan for large families is impossible in principle. After some time, you can re-submit the application, reducing the requested amount or indicating additional sources of income.

In this case, the chance of a positive answer is quite high.

We describe typical ways to resolve legal issues, but each case is unique and requires individual legal assistance.

Our experts monitor all changes in legislation in order to provide you with reliable information.

For a family with a large number of children, the issue of accommodation is always relevant, because each child needs space to play, study and live. Unfortunately, not everyone can afford to buy a new home, and therefore state level support for such families. In particular, they are given the opportunity to take a mortgage on preferential terms.

Mortgage conditions for a large family

First, the family must have the status of having many children. For this you need:

• officially registered marriage of parents (as well as the position of mother or single father);
• have three or more children, and adoptive, stepchildren, and stepdaughters are considered;
• the age of children under 18 years of age (also taken into account being in full-time education).

Secondly, there must be an appropriate document issued by the authority local government and confirming the need to improve living conditions. This takes into account the number of square meters required for each of the family members, as well as the technical condition of housing, the level of comfort, etc.

The third main requirement is permanent registration in a certain subject of the Russian Federation.

It should be noted that special loyalty is usually shown to young families (the age of parents is not more than 35 years).

Mortgage benefits for large families

So what exactly are mortgage benefits for large families? In fact, loans for beneficiaries are no different from ordinary ones - they are the same credit relations between lender and borrower. But there are still several advantages. It is known that mortgage rates are quite high and reach an average of 13% per annum. In addition, if we are talking about a large family, then small-sized options are clearly not suitable. Therefore, the amount becomes unbearable for most average Russian families. Social support measures are aimed at facilitating the process of acquiring an apartment (or building a house - although not everyone decides to take this step).

Preferential mortgage for large families includes:

• reduced interest rates- usually about 6-7%, rates for secondary housing are increasing and are already about 11%;
• repayment by the state of some part of the loan;
• the ability to pay the down payment, interest or the principal amount of the loan with the help of maternity capital;
• long repayment period - about 30 years on average, but by agreement it can reach 50;
• down payment ranging from 10 to 30%.

How to get a mortgage for a large family: necessary documents

To apply for a mortgage, you will need:

• copies of passports of family members who have reached the age of majority;
• Marriage certificate;
• information about the composition of the family;
• certificates of parents with many children;
• income statements, copies of work books;
• documents for the acquired property;
• military ID (for the head of the family, if he has not yet reached the age of 27);
• certificate for maternal capital(if there is a desire to use it to repay part of the loan);
• extract from the FIU on the state of the family account.

Mortgages for large families from Sberbank

Sberbank has programs specifically for large families. For example, co-borrowers (no more than three people) can be attracted, which should help to obtain consent from the bank as soon as possible, even if the income of the married couple itself is small. In this case, one of the co-borrowers is automatically considered the spouse of the person for whom the loan is issued.

The main conditions of the mortgage of Sberbank for large families

• down payment - at least 10% for primary housing, 15% - for secondary housing;
• the maximum repayment period is 30 years;
• the average rate is 11.4%, but it can be reduced depending on the specific situation;
• maternity capital can be used to pay the first installment;
• a three-year deferment is granted for the birth of another child;
• the loan is issued only in rubles;
• Additional commissions are not charged, but property insurance is required.

Mortgages for large families: a new law

Adopted in 2018 new law on mortgages for large families, allowing you to get mortgage credit lending at 6% per annum in Sberbank. However, there are a number of conditions and features:

• only those Russians who had a second or third child in 2018 are eligible for the benefit;
• housing is provided for purchase from the developer;
• down payment - 20%;
• life insurance is mandatory;
• the 6% rate is not valid for the entire period: if a second child appeared in 2018, then the rate is valid for three years, if the third - then five years;
• if the third child is born after the loan was issued (that is, while the three-year period is valid), then Grace period extended for another five years;
• thereafter the rate becomes standard.

The new law on the issuance of subsidies for housing loans will be in effect for five years, that is, until 2022.

Preferential mortgage for large families without interest

It is also possible to take an interest-free mortgage for large families. This benefit is provided to families with the status of "in need of support" and acquiring their first and only housing or secondary housing - due to the fact that living conditions in the same place are recognized as unsatisfactory.

To receive the benefit, you must apply to your local municipal authority. After approval by the administration, an application should be submitted directly to Sberbank. In this case, the borrower undertakes to repay only the principal amount of the loan, all interest is paid from the budget of the Russian Federation.

Documents to be provided:

• the passport;
• the consent of the husband or wife;
• birth certificates of children;
• certificate of recognition as a participant in the state program;
• income statement.

If a mortgage was taken from Sberbank before the family was replenished, then, after the birth of two or more children, a new payment schedule will be drawn up, taking into account the preferential interest rate.

Mortgage conditions for a large family are really quite favorable. However, in each case, it is worth carefully analyzing the situation and weighing all the pros and cons.