1 февраля фонд реновации2026 г.
Introduction to New Family Mortgage Rules
Overview of Changes
- Михаил Частяков introduces himself and his role in assisting with apartment purchases from the Moscow renovation fund.
- He discusses the new family mortgage rules effective from February 1, which are less daunting than previously anticipated.
- The new regulations stipulate that only one family mortgage is allowed per family, automatically making spouses co-borrowers.
Implications for Borrowers
- If either spouse had a previous family mortgage or state-supported loan after December 23, 2023, it will affect their eligibility and interest rates.
- Banks require proof that children live with the borrower, leading to confusion over necessary documentation.
Documentation Challenges
Required Proof of Residency
- Clarification is needed on what documents can confirm a child's residency with the borrower; banks have differing opinions on acceptable forms.
- Issues arise when parents live in different cities; complications occur if one parent is registered at a different address than the child.
Conflicting Bank Policies
- Discrepancies exist among banks regarding document validity periods; some accept older forms while others demand recent ones.
- Obtaining required documents like housing book extracts can be difficult due to varying availability across residences.
Impact on Credit Approval
Increased Complexity in Applications
- Borrower credit histories now significantly influence approval rates for family mortgages, leading to increased rejection rates.
- A child's SNILS (insurance number), rather than just its number, is now mandatory for applications.
Ongoing Uncertainties
- There remains ambiguity about which co-borrower's residency must be proven; further clarifications from banks are expected soon.
Conclusion and Assistance Offer
Support Services Available
- Михаил offers assistance in navigating these complex requirements and gathering necessary documentation for potential borrowers.