Every soldier of the former Soviet Army is nothearsay hears how difficult it is for a person who has put on shoulder straps to get housing. Perennial staying in apartment lines and wandering around the garrisons did not guarantee receiving the cherished square meters by the time of departure for a well-deserved rest.
Concessional lending program
Today the situation is radically different. Using the mortgage savings program, the soldier can acquire personal housing after a few years of service.
Every month the state transfers to the accountsoldier a certain amount, which is increasing every year. After 36 months, sufficient capital is accumulated to make the initial payment on the mortgage. The control and accrual of funds is carried out by an organization called Rosvoenipotek. How to find out what amount of money in the account has accumulated by this or that moment? The answer to this question is very important. After all, such information allows you to properly assess their financial situation and determine the readiness to purchase housing.
Order of accumulation of funds
So, you have a military mortgage.How to find out what amount of money in the account has accumulated by a certain moment, we will tell a little lower. And now let's talk about the rules for accumulating funds:
- Money is received monthly on the personal account of the participant of the accumulative program.
- The transfers are made until the soldier issues a mortgage loan. After that, the funds begin to arrive at the expense of the financial institution.
- You can't get money on your hands. And they can be used only for the purchase of housing.
- Only those who have registered can participate in the program.
- You can use the accumulated funds no earlier than 36 months from the date of registration.
- A program member may purchase housing at a higher cost than provided. In this case, the difference he will cover from personal savings.
- The bank, in which mortgage registration is planned, must be accredited to participate in the program for the military.
However, not every soldier candecide to purchase housing even under the Rosvoenipoteka program. How to find out how much is in the account, is it enough for the down payment? Should I wait for more money to accumulate? We will try to answer these questions below.
Rules of formation
Условия, по которым формируются счета участников state system NIS, spelled out in the Decree of the Government of Russia. According to the document, the beginning of the formation of the amount of savings on the account of the participant of the program is considered the moment of occurrence of the basis for entering the army into the register. However, it does not depend on the date of entering the information or on when the personal savings account was opened. The amount of savings consists of two streams: the state contribution, which comes monthly from the budget, and the income from investments.
The first part is established by law andgrowing annually. If in 2005 the amount of charges was only only 37 thousand Russian rubles, then in 2015 the amount reached 245 thousand 880 rubles. Moreover, annually (except for 2016) contributions are indexed as inflation increases. Therefore, can not be less than in the past year.
The second part of the savings is formed byinvesting the available sums in high-yielding assets, which only Rosvoenipotek has the right to choose. How to find out how much money has accumulated in the account by the current day? Is it possible to start processing a loan? It turns out that this is pretty easy.
How can I determine the balance on the account?
The easiest way is to send a normal request.at the place of service. After a short time, you will receive a comprehensive answer. Your leadership will give it all the same "Rosvoenipoteka." How to find out what the amount on the account, if you do not want to wait a long time to answer You can do it yourself quickly enough. To do this, you need to go through a standard and simple registration on the Rosvoenipoteks website. It is called so - rosvoenipoteka.ru. It stores all the information about the participants of the program called "Military Mortgage". How to find out how much money is in the account? Just go to "My Account" and send the appropriate request. In addition, every year until April 15, the NIS program participant will certainly receive a letter containing information on the status of the savings account.
registration on the site
So, go to the website of the organizationRosvoenipoteka. How to find out the amount on the account by registration number? To do this, you will have to enter your data in the form on the site. Make it very easy. We find on the website (at the top right) a button labeled “Registration”, click on it and enter the standard items: last name, e-mail address, password that you have invented. Now we are looking for the words “Change data” and add additional information: the final 10 digits of the NIS participant number, the date from which you had a reason to register in the registry. Then click "Save." After all the necessary data is filled, you can send a request to the specialist about the status of your personal savings account.
Conclusion
As you can see, information about how much money is onaccount ("Military Mortgage") is incredibly easy to learn. Having received all the necessary information, you can accurately calculate when it will be possible long-awaited purchase of real estate.
Also worth paying attention to a fewmoments. First, in the case when a soldier voluntarily dismisses the armed forces, not having served in the army for 10 years and not having time to exercise the right to purchase housing on a military mortgage, all accumulated funds are subject to return to the state budget. The account is closed. Secondly, if the apartment was nevertheless purchased, and the soldier quit, not serving the cherished 10 years, he is supposed to return all the money received. The term is set at the discretion of Rosvoenipotek. It depends on the solvency of the borrower and the amount of debt. Housing at the same time remains the property of the former army team. And he will have to pay the rest of the amount due for it on his own.
