Mortgage lending allows many people to purchase a home without waiting for an inheritance. After all, during a period of inflation it is impossible to purchase your own real estate. But in order for the loan to be profitable, you can use specialized programs.

State employees are often called citizens working in self-government bodies, hospitals and schools, and other institutions that are funded by the state. The government has long planned to support this category of people.

Citizens already receive various types of benefits. Every year, special programs are developed that are designed to simplify the purchase of real estate. Mortgage lending programs with improved conditions for public sector employees are developed annually.

Despite the name of mortgage lending, this program has nothing to do with the standard procedure. A program participant is entitled to several options for government support. He has the right to choose any of those presented on his own.

In this case, he can choose only one help option:

1. One-time benefit. Any person working in a government agency can use it. It looks like this: a return of no more than 15% of the cost of the purchased property. But for registration you will need already completed documents confirming ownership;
2. Mortgage interest rate compensation. Typically performed once a year;
3. Providing real estate on more favorable terms, taking into account a lower percentage.

Special programs have been developed for certain citizens, such as military personnel and teachers. Their essence is to reduce the interest rate to a minimum, as well as to reduce the down payment amount.

Features of mortgage lending

The main feature here is that this benefit is not valid in all regions of the country. Such lending is provided only in specific constituent entities of the Russian Federation. This is justified by the fact that it is necessary to attract young specialists to a specific region. And at the same time you need to keep them there.

That is why there is interest in settlements that lack personnel. Therefore, before contacting the social service, it is necessary to check the availability of social mortgages in a particular region.

To qualify for a subsidy, certain conditions must be met. In particular, all state employees stand in line to receive monetary compensation. Citizens who have the right to receive a subsidy out of turn include:

• disabled people;
• a family member who has a serious illness;
• a citizen who participates or has participated in military operations.

In connection with such first-priorities, the line of ordinary citizens is moving forward. Therefore, people can receive a subsidy in 5 or 10 years.

Preferential mortgage lending for public sector employees was created to help young professionals purchase real estate. After all, the income of such citizens is much lower than that of the same people working in commercial organizations. But not all credit institutions approve your loan application. If a person’s income is not high, then the bank refuses without explanation.

This is justified by the high risks of the credit institution. In this case, it is worth choosing Sberbank, since it is this institution that receives co-financing from the state.
Participation in such a program requires the employee to fulfill specific conditions. In particular, if he receives a subsidy, he undertakes to work in this area until the end of the loan payments. In other words, the contract is concluded for a period of 15–20 years. This does not mean that you should never change your job. It can be changed, but within the budgetary sphere. But you cannot receive a subsidy and go to work in a commercial institution.

This program has a significant advantage. If the borrower cannot repay the loan obligations, then no one will be able to deprive him of the property. Even if the bank sues the borrower, the authority will side with the client and offer a deferment in repaying the loan.

For unique people, for example, those with a disabled status, the law provides for priority consideration of an application.

There are several loan programs that allow beneficiaries to take out a loan:

1. mortgage for employees of the Ministry of Internal Affairs;
2. for Rostec employees;
3. mortgage for rural specialists.

Mortgage for young Russian Railways specialists

Railway mortgage for a young specialist is a product provided to all young specialists on the basis of current laws. You can often find them for specialists from Russian Railways and Zheldor.

Mortgage lending is provided to such specialists in the form of an interest-free mortgage. This service is provided by the local administration, which the employee contacts at his place of residence.

How can I get back the interest on a mortgage I have already paid? You can also apply for a mortgage for an apartment using a young specialist’s certificate. Initially, come to the bank and submit an application in the prescribed form.

A mortgage is provided with state support and the possibility of obtaining a tax deduction for an apartment, residential building or other housing.

You can also submit an application to Zheldoripoteka. This program is not valid for those who have previously received loans from the company.

Recipient requirements are as follows:

1. A citizen of Russian Federation;
2. Age 1–65 years;
3. Minimum 3 years of experience in the railway industry. If this is a young specialist, then the length of service is not taken into account;
4. Availability of a stable salary to repay loan obligations.

The program for such specialists has a fixed interest rate of 14%. 12% of them are paid by the state. Down payment 10% of the loan amount. Issued for a maximum period of 15 years.

Mortgage for a young specialist - teacher

It is almost impossible for a young family to take out a mortgage without a down payment. But if at least one family member has the status of a teacher, then this is possible.

The conditions for providing a young specialist are quite simple:

1. the young specialist is under 35 years of age;
2. work experience of at least one year in a state or municipal institution of general primary, basic or secondary education.

Mortgage lending for this category of persons is issued on the following terms:

1. A teacher under 35 years of age with at least a year of experience - from 3 to 30 years with a product cost of 8.5%. Down payment 10% of the amount of the provided credit limit. It is possible to attract two co-borrowers;
2. Young scientists have the right to count on an interest rate of 10–10.5% per annum for a period of 2–25 years. The down payment is similar to the previous option.

Preferential mortgage for doctors

Doctors who meet the following requirements can participate in the program for preferential receipt of real estate:

1. Citizen of the Russian Federation with specialized education. The program is designed not only for doctors, but also for nurses. Must have a secondary or higher education diploma;
2. Age limit is 35 years. In some regions of the country the maximum age is raised to 40 years;
3. At least one year of work experience in the medical field. In some regions, the minimum length of service to obtain must be a quarter or six months;
4. The medical worker must have lived in the given region for at least five years;
5. A health worker must not own property and must be recognized as in need of social housing.

Conditions for obtaining a loan:

1. Interest rate 5–7% per annum;
2. Down payment – ​​10% of the cost of housing;
3. Part of the cost of purchased real estate is subsidized by the state.

How to get a mortgage as a young professional

As mentioned earlier, to receive a subsidy you need to meet certain requirements. But the most important condition is the need to purchase real estate.

If a person already owns housing, then he is not considered to be in need. But those who live in a rented apartment or in a communal one can prove their right. But you will have to fight a little for it. In advance of visiting a credit institution, you need to come to the local administration and inquire about the conditions.

If the representative of the authority expresses a positive opinion, then the most difficult stage begins - collecting all the necessary documents. This is not a matter of five minutes. Some citizens spend at least a month on this stage. But if a person really needs living space, then this will not be difficult for him. What specific list of documents is required is determined individually by local authorities.

If a person does not have property and lives in a rented apartment, then it is necessary to provide a certificate of absence of ownership rights. More often, this certificate is accompanied by a certificate of family composition and the presence of small children.

Apartment owners also have the right to expect to receive housing, but under certain conditions. The property does not have to conform to generally accepted standards. For example, this is a tiny apartment where a large family lives. To determine the size, a commission is called, which, after analysis, issues a decision. It is with this document that a person applies to the local administration.

The more additional conditions there are - disability, large family, the faster the answer will be received. And accordingly, housing. If the local organization responds positively, a certificate for the benefit is issued. With this document you can go to the selected credit institution.

The certificate allows you to receive credit funds on more favorable terms with a reduced cost of the banking product. There is also the possibility of obtaining a mortgage without a down payment.

Required documents

To receive a subsidy and then a mortgage, you need to provide the following documents:

1. benefit certificate;
2. certificate of family composition;
3. passport of a citizen of the Russian Federation - all family members;
4. marriage certificate;
5. children's birth certificate;
6. certificate from the place of work about wages and employment;
7. personal account of all family members to calculate total income;
8. certificate of absence of debt;
9. when purchasing an apartment - a purchase and sale agreement and a certificate of ownership.

Documents for life insurance for a mortgage:

• loan agreement;
• borrower's application;
• receipt for payment of insurance premium.

Obtaining a mortgage for young professionals is a common practice in Russia. For quick registration, you can hire a lawyer who, on the basis of a power of attorney, will collect the necessary documents and submit them for a fee.

Mortgage for young professionals is an assistance program that is designed to provide preferential lending conditions when young professionals purchase housing with a mortgage. It is financed from the federal or regional budget.

Young specialists include citizens of the country who have graduated from higher educational institutions and have recently started working in budgetary organizations. Due to the low level of wages, this category of workers is in particular need of financial support from the state.

To support the influx of new specialists into this area, special benefits were developed for young specialists and the possibility of their participation in the mortgage lending program.

• doctors;
• teachers;
• scientific workers.

There are also requirements for the employee himself:

1. Age up to 35 years for all categories except scientific ones. For them the maximum age is 40 years.
2. Employment in a budget organization for the first time after graduation.
3. Hiring no later than one year from the date of completion of specialized training.

Also, depending on the profile of the budget profession, there are additional requirements for an applicant for the benefits of a young specialist:

Military personnel

This category of workers is allocated funds from the federal budget. They must participate in the mortgage savings program. They must make contributions to this program for 3 years, after which they will be eligible to participate in preferential lending.

But if a military man does not want to participate in this program, he has the right to refuse contributions and entry into this program. And, accordingly, will lose the right to receive a preferential mortgage.

Teachers and researchers

For them, specialized education makes no difference. They can graduate from a higher educational institution in any specialty and go into teaching. In this case, the main requirements for teachers will be:

• employee age under 35 years;
• his experience of more than a year in a non-profit educational organization.

For scientific workers these requirements are more stringent:

• age up to 40 years;
• his work experience in a non-profit educational organization is at least 5 years.

Medical workers

For doctors, one of the most mandatory conditions is their relocation to rural areas. The professional orientation of the healthcare worker will also have an impact. First of all, the most sought-after specialists will be included in the program. In addition, the following requirements also apply:

• the employment contract must be concluded for at least 5 years.
• The age of the medical worker is up to 35 years.

Benefits for young professionals

In addition to the opportunity to obtain favorable mortgage terms, employees who meet the requirements for the category of young professionals have the right to apply for:

• lifting;
• one-time payments.

The allowance is accrued to the employee by the employer in the first month of official work. The amount of these payments is regulated by regional authorities and depends on the chosen profession. As a rule, it ranges from 20 to 100 thousand rubles. If a specialist resigns of his own free will before the end of the employment contract, then he is obliged to return the amount of the allowance. The period of work when concluding a contract with lifting services cannot be less than 5 years.

A one-time payment can be made as a bonus during the validity of the primary employment contract, or can be paid after its completion. This payment is also made by the employer. It is calculated as 40-50% of the monthly salary.

All benefits listed are tax-free. And they are additional measures to attract personnel to budget professions with low wages.

Regions may also provide the following benefits for specialists who move to live in rural areas:

1. Early retirement after 25 years of work experience.
2. The right to longer annual leave, which can increase to 1 calendar year after receiving more than 10 years of service.
3. Permission to combine the main work activity with other types.
4. The working week may be shortened.

There are also special compensation measures to stimulate rural specialists:

1. Reimbursement of payment for services for heating and combustible materials for heating in the amount of up to 100%.
2. Compensation for electricity payments up to 100%.
3. Compensation for renting housing, as well as its maintenance and repairs up to 100%.

Regions may provide other types of benefits. Detailed information about this is provided in the social protection authorities.

Mortgages for young professionals

Applying for the purchase of housing on credit is another measure to attract young employees to budget organizations. There are several options for preferential purchase of residential space:

• by receiving subsidies from the state;
• federal program "Housing";
• regional programs such as “Mortgages for young specialists”;
• mortgage programs developed with the involvement of the employer's interests.

When allocating subsidies from the state, the specialist pays only the principal amount of the monthly payment. And the interest for using the loan is repaid from the federal budget.

In case of a mortgage with the involvement of the interests of the employer, in the same way, the interest for using the loan can be repaid from the budget of the employer himself.

Federal program "Housing"

Any young specialist can take advantage of this program. It implies state assistance when purchasing housing in the amount of 40-50% of its market value. To do this, the young specialist must submit an application to the local administration for participation before September 1 of the current year.

Along with the application, he must submit documents showing that he has the ability to make a down payment of 10%. You must also prove your ability to repay the loan.

Mortgages for young professionals

Regional program, on the basis of which a specialist receives preferential lending conditions:

• low interest 5%
• loan term up to 10 years.

To approve this loan, you need to prove that the specialist has 30% of the cost of housing, and also has the ability to make monthly loan payments. When applying for this program, a specialist must work in the given area for at least 5 years.

Thus, the state encourages young professionals at the federal and regional levels to choose budget-funded professions and live in sparsely populated areas.

Young professionals are a difficult group to obtain a first mortgage. Most banking programs are aimed at married couples, families with children, military personnel, and a single worker taking his first steps in his career has little to offer the bank. Organizations do not want to take risks - new employees have little work experience, such employees feel insecure in the workplace, have an unsuitable level of income, and it is difficult to say for sure whether wages will increase in the near future.

Realities are changing, and in a highly competitive environment, organizations begin to fight for potential clients and offer specialized programs aimed at providing mortgages for young professionals at Sberbank (among other organizations). The systems bring sustainable results - there are more people who want to provide themselves with their own housing, and it is morally easier to do this in youth.

A young specialist is an employee of an organization who has a secondary specialized or higher education, or has at least three years of work experience in a specific place, and has not reached the age of thirty. Important: this category does not include people who have graduated from school or who have not completed higher or secondary vocational education.

How to get a mortgage if you don’t have much experience:

• Under general conditions similar to those received by older people;
• According to corporate offers from companies where employees work;
• Using services from the state for representatives of certain professions;
• By taking advantage of government systems for youth, including special requirements for married couples with young children.

How to get a loan: standard mortgage

A popular and simple option for those who want to take out a loan quickly and not have to worry about collecting certificates and applications. The action plan is simple: visit the selected bank (popular options are Sberbank, VTB24), submit an application and collect the necessary package of documents. The main problem is that banks refuse young people, not being confident in their reliability as payers. But there is a chance that the mortgage will be approved. You can opt for a long-term payment (fifteen or twenty years), the amount of payments will be minimal. Later, the size of payments increases, thereby paying off the debt faster, without risk to your financial condition.

You can increase your chances by having a credit history without any complaints and a stable income thanks to work. If a person chooses a small apartment, the chances of getting a mortgage in the standard way increase.

Those who are not ready to repay money for a long time should look at government offers - perhaps their profession will allow them to take out a loan with more acceptable requirements. In order to develop certain industries and get more professionals, the state is developing specialized proposals, which are a new trend for Russia. Due to their novelty, such systems are available to novice scientists and representatives of medical specialties working at universities and conducting scientific activities. It is worth noting that a university must have the status of a research institute.

Among the positive aspects of state systems (in Sberbank, including):

• Interest rate up to 10 percent;
• Comfortable debt repayment requirements, very different from standard methods: at first the payments are small, then they increase. This scheme is designed taking into account that people initially have a low level of income, but over time the salary will gradually increase;
• Possibility of using specialized payments, including maternity capital;
• When a child is born in the family, the payment decreases.

The only problem with government proposals is that they are not widespread in Russia, so it is quite difficult to get money under such conditions. But you shouldn’t miss the chance and not try to get a loan with similar privileges.

Programs from companies for young professionals

If an employee works for a large corporation, then it makes sense to find out whether the company has programs to help new employees obtain a mortgage loan. Typically, comfortable offers are implemented by companies with a wide client base and income level, in Russia these are Russian Railways, or small companies for which this is an opportunity to attract new employees. Disadvantage of offers from companies: they are valid while working in companies. If an employee is not confident in his readiness to work for the benefit of the company for a long time, then it is better for him to choose another option - money troubles cannot be avoided in the future.

To obtain a loan on favorable terms, it is not enough just to be employed. Depending on the profession, you can purchase interesting conditions that make subsequent payments easier. In addition to the listed requirements, an employed graduate of an educational institution must:

• Have at least twelve months of work experience;
• If the organization is budgetary, belongs to the field of education or medicine, then the employee is not older than thirty-five years;
• Scientists must work at research universities or hold senior positions in large corporations. The age of a doctor of sciences should not exceed forty years.

Supports athletes, winners or medalists of the Olympic (Paralympic) Games; specialists with higher education and working in villages and villages; military personnel.

Many workers in the fields of education and medicine (teachers, nurses, doctors, employees of the Ministry of Emergency Situations, ambulances) specifically move to villages and villages to purchase an apartment - preferential conditions are an excellent start for purchasing their first property. A few years away from the city - and a teacher or doctor becomes the owner of a house and land.

Sberbank is the most famous bank in Russia that implements social events and helps to obtain a loan with special requirements. Previously, Sberbank implemented a program providing mortgage lending to education workers, which was used by thousands of representatives of this profession under the age of thirty-five. Benefits of the program:

• Low interest rate;
• Comfortable requirements and schedule;
• Low down payment;
• Possibility to borrow money for a long term, minimizing monthly payments;
• Receiving a subsidy for partial debt repayment.

Today there is no specialized system for young professionals, but Sberbank offers clients to accept a mortgage on favorable terms for the budget category of citizens or use the state “Social Mortgage”.

What are the advantages of a loan from Sberbank for those starting their career path:

• Reduced interest rate not exceeding ten percent;
• Low down payment amount. Usually amounts to no more than ten percent of the total amount;
• Subsidies, including maternity capital, can be used as a down payment;
• The amount can be borrowed for a long period of up to thirty years;
• State certificates for social programs can be used as payment;
• When a child is born into a family, it is possible to receive a deferment for a short period of time.

A pleasant offer for employed people from Sberbank is the opportunity to purchase a fifty percent subsidy of the full amount and pay the first installment with it, provided that the bank client lives in the Moscow region. The remaining half of the amount is allocated after execution of the contract and is divided over a ten-year period - the buyer pays a percentage from the bank. Who is eligible for this advantageous offer? For industry workers:

• Healthcare;
• Education, including employees of national research universities;
• Social development;
• Innovation (scientists, researchers, inventors, programmers).

Before submitting an application to the bank, a package of documents is submitted to the Ministry of Education, where they will decide whether it is possible for the person wishing to receive payments.

If an apartment is purchased in a building under construction, the interest rate is several tenths lower. Sberbank is implementing offers for families with children - a mortgage loan with easy requirements for a long term.

The development of programs for knowledge workers to receive money for housing in recent years will make it possible to purchase their own home at a young age. In order not to spend money on renting an apartment, you can invest in a comfortable future now, without waiting for advancement on the career ladder and killing two birds with one stone. Before taking out a classic loan, it doesn’t hurt to carefully study the requirements for granting a loan - most young professionals can purchase payments at more favorable requirements than banks offer. Many government offers and subsidies for newlyweds with children will make the future easier.

You won’t be able to buy your dream home when you’re young, but you can and should buy your first personal apartment. In the future, a small property will become a guarantee for new purchases and acquisitions; they will not have to be bought “from scratch” - the down payment and collateral will be the property acquired on the first steps of the career ladder.

Mortgages for young professionals are intended for representatives of the public sector: medical workers, teachers, researchers and representatives of other professions. The program is designed to attract young people to work in government agencies.

Mortgages under the “Young Specialist” program are not valid in all regions of the country. In some regions, private large enterprises are also connected to this program, which themselves allocate funds to help their employees.

Who can participate in the program

A young specialist is recognized as a graduate of a higher educational institution who, within the first year after graduation, got a job in his specialty. There are also other requirements:

1. age up to 35 years;
2. Only graduates who studied full-time and on a budgetary basis participate;
3. successful completion of the final exam and defense of the diploma;
4. the graduate was employed in the direction of the university;
5. official employment.

The following specialists can apply for participation in the program:

• teachers;
• doctors;
• military personnel;
• police officers;
• scientists;
• Russian Railways employees and other representatives of public sector sectors;
• employees of private enterprises, if their employer funds the program.

Since a mortgage is in any case taken out from a bank, the credit institution’s requirements for the borrower must also be taken into account. These may vary depending on the bank, but basically they are:

1. Age - from 21-22 years old, some banks issue a mortgage starting from 18 years old, if the borrower’s parents act as guarantors;
2. Work experience - from six months with the current employer;
3. Financial condition. The income of a young specialist must be sufficient to repay mortgage payments, if the salary is small, the loan is issued only with guarantors.

Depending on the type of activity of the young specialist, the criteria for participation in the program may differ:

• Teachers. In some regions, the age limit has been lowered to 30 years. Work experience in state educational institutions - at least 1 year.
• Doctors. Specialists must work in public hospitals and have scientific articles. Anyone can participate in the program, but preference is given to rare specialists. An agreement must be concluded with the employer stating that the program participant must work in his current place for at least 5 years.
• Scientists. The age is up to 35 years, for doctors of science it is increased to 40 years. At least 5 years of work experience in a scientific organization in an engineering or management position.
• Military. Housing for this category is provided at the expense of the state. Applicants must be a member of the NIS (savings-based mortgage system). Over a 3-year period, they make contributions to a special fund, after which they receive an apartment.

Regional authorities also support specialists working in rural areas (teachers, doctors, etc.) and athletes who have won medals at major competitions (Olympic, Paralympic Games, etc.).

Features of providing a loan

1. Low interest rate. The interest rate on such a mortgage cannot be more than 10%; as a rule, it is set within 7 - 8%. And the rate may decrease further upon the birth of a child.
2. Differentiated loan payments. With a conventional mortgage, in the vast majority of cases, the bank sets the same monthly payment for the entire loan term. For young specialists, the first loan payments will be the lowest, and subsequently will increase, since it is assumed that as work experience increases, the salary of such an employee will increase.
3. No down payment. Some banks can issue a mortgage under the state program without a down payment. If teachers, doctors or military personnel who fall into the preferential category already have 10 years of work experience or more, the initial payment for them is paid by the state.
4. Subsidizing part of the cost of the apartment. The state will pay 30% of the cost of new buildings and secondary housing and 40% of the cost of building a house.
5. Maternity capital can be used to repay the mortgage under this program.

With a preferential mortgage, you can take out money for any type of real estate: primary and secondary market, building a house.

As mentioned above, not only the state provides subsidies, but also the largest enterprises in the country. This is how Russian Railways partially finances the mortgage of its employees. The term of such a loan is 25 years, no down payment is required, the rate is 10.5%, of which the employee pays only 2%. The rest is paid by the company. Russian Railways enters into an agreement with young specialists, according to which the latter cannot quit until the loan is fully repaid.

Not all banks operate under the preferential program, but the largest banks in the country (Sberbank, Rosselkhozbank, VTB-24) provide such loans.

To apply for a mortgage, you need to submit to the bank:

• passport;
• income certificate;
• a certificate from the place of work confirming the length of employment, a copy of the work book;
• military ID;
• a certificate stating that the potential borrower is not the owner of other real estate.

Stages of obtaining a mortgage

The first thing a young specialist needs to do is apply to local authorities for benefits - get in line for a subsidy. The waiting period may vary depending on the region of residence, but, as a rule, it is several months.

Then you need to collect money for a down payment (if required) and find a suitable housing option. After this, an application is submitted to the bank and if the credit institution’s decision is positive, the apartment is purchased with a mortgage. After registration of ownership of the property, the government subsidy is transferred to the credit institution as part of the loan payment.

Preferential mortgage programs, government subsidies and regional support programs for young teachers, doctors, and scientists allow specialists under the age of 35 to buy or build their own housing. Employees of federal and municipal budgetary institutions, enterprises, and state corporations have the right to support.

Young specialists are the most promising, but least protected category of employees of enterprises and organizations.

Without sufficient work experience, the necessary qualifications, their own savings and property, they often become disillusioned with the world around them and try to find employment in other countries.

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The shortage of young personnel in certain, especially budgetary, sectors is so great that the state is forced to take special support measures to attract young people to production and public sector sectors.

Such measures include the preferential program “Mortgages for young specialists”.

Preferential programs

Benefits may be provided:

• under government support programs,
• from regional budgets,
• banks to attract customers.

State support is provided under the “Youth - Affordable Housing” program. Young teachers, scientists, military personnel, employees of state and municipal medical institutions in need of housing are given subsidies to pay the down payment or pay off mortgage debt.

Benefits are provided:

• for the purchase of secondary housing,
• for the construction or completion of a private house,
• for equity participation in the construction of housing in new buildings.

Regional authorities additionally provide loans, organize the construction of budget housing with prices at the cost level, and provide land plots for the construction of private houses free of charge or on preferential terms.

A young specialist can count on the following benefits:

• from the federal budget in the form of subsidies up to 30% estimated cost of purchased or constructed housing;
• from the regional budget of many regions to 40% the cost of an apartment or house (each region has its own youth support programs);
• 10% down payment on a mortgage in many banks, the loan rate can be variable: low in the initial period and higher by the time the young borrower’s salary increases, the loan term from 5 before 50 years.

Preferential mortgages are processed by the Housing Mortgage Lending Agency and housing construction funds, and lending is provided by partner banks.

Young personnel are also covered (if they meet the requirements) by the mortgage support programs “Young Family”, “Maternity Capital”, “Large Family”. You can use maternity capital and one of the programs.

Who is considered a young specialist?

From a legal point of view, this category includes a full-time graduate of a primary, secondary or higher educational institution who first got a job in his specialty within a year from the date of completion of his studies.

For the purposes of social support, the age of young professionals is limited to 35 years; a young scientist is a candidate of science under the age of 35, or a doctor of science no older than 40 years.

To provide benefits for mortgage lending, social support, loans and other payments, in addition to age restrictions, there are requirements for specialty and work experience in the public sector.

Requirements for the profession

State support for mortgage programs is provided to young borrowers under the age of 35 working in educational, medical, and scientific institutions financed from the budget.

• Teachers: work in a state or municipal institution of general primary, basic or secondary education. Experience of at least 1 year.
• Scientists- specialists (Doctors of Science up to 40 years old) working at state universities, institutes of academies of sciences, holding engineering and management positions in state corporations and research institutes, defense industry enterprises, the Ministry of Emergency Situations, the Ministries of Defense, Communications, Education and Health.
• Doctors: employees of state and municipal medical institutions, graduate students and residents who have published works and are engaged in scientific activities.

The budgets of most regions also support:

• Athletes: winners and medalists of the Olympic, Paralympic or Deaflympic Games.
• University graduates working in rural areas (specialists, teachers, doctors).

Conditions

AHML, in collaboration with partner banks, implements preferential mortgage programs for young teachers and scientists.

• Teachers under 35 years of age with work experience of at least 1 year and those in need of improved living conditions will receive a mortgage for a period of 3 before 30 years under 10% a down payment that can be repaid with subsidies. Loan rate from 8,5%. The amount of monthly mortgage payments should not be higher 45% monthly income. You can attract up to two co-borrowers.
• For young scientists and doctors will issue a loan against 10–10,5% for a period from 2 before 25 years. The debt repayment schedule is preferential: minimum interest rate at the initial stage, halving the rate at the birth of a child. Down payment of 10% Housing costs and payments can be paid off with the help of an allocated subsidy or maternity capital.

Bank lending

Sberbank is not one of AHML's partners. But under a special program for teachers for the purchase of finished housing, a mortgage is offered at a rate of 12,0% before 13,25% with a down payment amount of 10% . Loan term from 3 months before 14 years.

The borrower's life and health insurance, appraisal and insurance of the purchased property are required.

Bank "Obrazovanie" provides young teachers eligible for subsidies with a loan against 8,5% with down payment 20% the cost of an apartment or individual house.

Collateral insurance is mandatory; the life and health of the borrower are insured at his request. With a down payment of less than 30% The amount of the loan agreement requires insurance of the borrower's liability under the loan.

Corporate programs

A good chance for a young specialist to purchase housing is to get a job in a company that implements corporate programs for preferential mortgage lending.

Organizations that have such programs can be divided into two categories: those that are doing well and can afford to provide benefits to young people (for example, Russian Railways, IT companies), or those that need young personnel and they are forced to spend money on such programs (industrial and agricultural enterprises).

For example, for young Russian Railways specialists under the age of 30 years who received a profession under a training agreement or were sent to Russian Railways under an agreement with a university, the mortgage loan rate is equal to 10,5% , for other employees - 12% .

Requirements for age, education, work experience, and housing provision for young personnel in organizations may be different. One condition remains the same: benefits apply as long as the specialist works for the company.

In case of dismissal, benefits are terminated and penalties are possible. Those wishing to take advantage of corporate benefits should decide what is more profitable: staying in one company for a long time or looking for higher-paying jobs in others.

How to get a mortgage on general terms

Any young borrower can count on a mortgage on general terms. All that is needed for this is to submit loan applications to banks whose requirements the young specialist meets.

The age of the borrower may be one of the reasons for refusal of a loan, but banks need clients, and getting their positive decision is quite likely.

Given the instability of the situation, it is better for a young specialist to take a loan with a minimum monthly payment; in this case, the likelihood that the bank will approve the loan is higher.

The borrower's diligence and responsibility are the key to the fact that the bank will treat him with great confidence and approve a loan for a higher amount. It is advisable for young people to start improving their living conditions with a small-sized home.

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