Every soldier of the former Soviet army knows firsthand how difficult it is for a person to put on uniform. Many years of standing in apartment lines and wandering around garrisons did not at all guarantee the receipt of the coveted square meters by the time of departure for a well-deserved rest.
Soft loan program
Today the situation is fundamentally different. Using a funded mortgage program, a soldier can acquire personal housing after several years of service.
Each month, the state transfers a certain amount to the soldier’s account, which increases every year. After 36 months, sufficient capital is accumulated to make the down payment on the mortgage. Control and accrual of funds is carried out by an organization called Rosvoenipoteka. How to find out how much the account has accumulated at one time or another? The answer to this question is very important. After all, such information allows you to correctly assess your financial situation and determine the willingness to purchase housing.
The procedure for accumulating funds
So, you have a military mortgage. How to find out how much the account has accumulated at a certain point, we will tell a little lower. Now let's talk about the rules by which funds are accumulated:
- Monthly money is credited to the personal account of the participant in the funded program.
- Transfers are made until the soldier has a mortgage loan. After this, the funds begin to flow already to the account of the financial institution.
- You cannot get money on hand. And you can use them only for the purchase of housing.
- Only those who are registered can participate in the program.
- The accumulated funds can be used no earlier than 36 months from the moment of registration.
- A program participant can purchase housing at a higher cost than provided. In this case, he will cover the difference from personal savings.
- The bank in which the mortgage registration is planned must be accredited to participate in the program for the military.
Nevertheless, not every soldier may decide to purchase housing even under the Rosvoenipoteka program. How to find out how much is in the account, is it enough for the first installment? Is it worth the wait until more money accumulates? We will try to answer these questions below.
Formation Rules
The conditions under which the accounts of participants in the NIS state system are formed are spelled out in the Decree of the Government of Russia. According to the document, the beginning of the formation of the amount of accumulations in the account of the program participant is considered the moment of occurrence of the grounds for entering the army man in the register. At the same time, it does not depend on the date of entering the information or on exactly when the personal savings account was opened. The amount of savings consists of two flows: state contribution, monthly coming from the budget, and income from investments.
The first part is established by law and is growing annually. If in 2005 the amount of charges amounted to only 37 thousand Russian rubles, in 2015 the amount reached 245 thousand 880 rubles. Moreover, annually (except for 2016), contributions are indexed as inflation increases. Therefore, they cannot be less than last year.
The second part of the savings is formed by investing the available amounts in highly profitable assets, which Rosvoenipoteka has the right to choose. How to find out how much the account has accumulated by the current day? Can I start a loan? It turns out that this is pretty easy.
How can I determine the balance in the account?
The easiest way is to send a regular request to the place of service. In a short time you will receive an exhaustive answer. All the same Rosvoenipoteka will give it to your leadership. How do I know how much is in the account if I don’t feel like waiting for an answer? You can do it yourself quickly enough. To do this, you need to go through a standard and simple registration on the website of Rosvoenipoteka. It is called - rosvoenipoteka.ru. It stores all the information about the program participants under the name "Military Mortgage". How to find out how much money is in the account? Just go to the "My Account" and send the appropriate request. In addition, every year, by April 15, a member of the NIS program will certainly receive a letter containing information on the state of the savings account.
registration on the website
So, we go to the website of the organization "Rosvoenipoteka". How to find out how much is in the account by registration number? To do this, you will have to enter your data in the questionnaire on the site. It is very easy to do. We find on the site (top right) a button with the inscription "Registration", click on it and enter the standard items: last name, email address, password you invented. Now we are looking for the inscription “Change data” and enter additional information: the last 10 digits of the NIS participant’s number, the date from which you had reason to register in the registry. Then click "Save." After all the necessary data are filled in, you can send a specialist a request about the status of your personal savings account.
Conclusion
As you can see, information about how much money is in the account (“Military mortgage”) is incredibly easy to find out. Having received all the necessary information, you can accurately calculate when exactly the long-awaited acquisition of real estate will become possible.
It is also worth paying attention to a few more points. Firstly, in the case when a soldier voluntarily leaves the armed forces without having served in the army for 10 years and has not had time to exercise the right to purchase housing on a military mortgage, all accumulated funds are subject to return to the state budget. The personal account is closed. Secondly, if the apartment was nevertheless bought, and the soldier resigned without having served the cherished 10 years, he is supposed to return all the money received. The term is set at the discretion of Rosvoenipoteka. It depends on the solvency of the borrower and the amount of debt. At the same time, housing remains in the ownership of the former army officer. And the rest of the amount due for him, he will have to pay on his own.