Apartments on military mortgage Morton. Buying an apartment with a military mortgage from a developer

Brief information about the key player in the real estate market, Morton Group of Companies

Morton Group turns 22 in 2016. Over the many years of its development, the organization, specializing in large-scale development of residential neighborhoods, was able to implement a huge number of serious projects. Last 2015, Morton Group of Companies, despite the crisis in the country, was able to maintain extremely high construction rates and a consistently high revenue volume, which amounted to 59.2 billion rubles.

Thanks to financial stability and active growth of indicators, in 2016 the National Rating Agency assessed the company’s creditworthiness level as “A+”.

One of the key activities of Morton Group of Companies is the professional construction of facilities under concluded government contracts. The Morton Group of Companies feels confident in the international market, as it is engaged in the implementation of joint projects with key Asian and Western European companies in the construction sector. At the beginning of 2016, the number of properties being sold by the Morton developer was 42. Statistics show that today every fourth apartment on the primary market is sold by Morton Group of Companies.

Morton Group of Companies is proud to be one of the leading developers in our country and occupies an honorable place in the list of systemically important enterprises of the Russian Federation. It is always profitable to buy residential properties from Morton Group of Companies, because there are no dark spots in its history. Today, the key market player described above has put up for sale 43 properties in the capital and in the Moscow region. It will be useful to get acquainted with the projects under construction by the Morton Group of Companies, which support the sale of apartments, according to the NIS state program.

Review of current projects of the Morton Group of Companies

List of capital new buildings of the Morton Group of Companies

Residential complex "Peter I". This business class residential complex is being built in the capital, near the Aviamotornaya metro station. In total, it is planned to build 6 buildings, which will contain both one-room and multi-room apartments of different sizes. The developer sells a square meter in the Peter I residential complex for 145,000 rubles. This facility has been accredited by Sberbank of the Russian Federation, so the risks of shareholders are fully insured.

Residential complex "Vlyublino", sales started in June 2016. The starting cost per square meter is 100,000 rubles. 17-storey buildings are built according to an individual project. The Vlyublino residential complex is located a few minutes from the Lyublino metro station.

Residential complex "Capital Polyany", the start of sales was announced not so long ago. The residential complex will be located within Southern Butovo (South-Western Administrative District), near the station. m. st. Skobelevskaya. The starting price per square meter is 83,000 rubles.

Headquarters on Mosfilmovskaya, construction of which will finish closer to the 2nd quarter of 2017. Due to the location of the property in an expensive, prestigious area of ​​the capital, one square meter is put up for sale for 178,000 rubles.

Residential complex "Zhemchuzhina Zelenograd", geographically located in the Zelenograd Autonomous Okrug. Military personnel will be able to purchase a square meter of housing from 74,800 rubles. NIS participants will be able to become new residents of the Zhemchuzhina Zelenograd residential complex in mid-2017.

Microdistrict “Northern”, the name of which speaks of its territorial location. The houses are built according to a unique design. Another new building is up for sale today. The minimum price per square meter starts at 79,000 rubles. The complex will be handed over one by one. Residents of the second phase will be able to receive the keys to their apartments in the winter of 2017.

Microdistrict “Solntsevo-Park” is geographically located in the Novomoskovsk Autonomous District of the capital. One square meter of housing began to be sold at a price of 69,500 rubles.

Due to the density of Moscow buildings, the pace and volume of construction of new residential buildings within the capital’s territory is decreasing. Therefore, Morton Group of Companies is setting its sights on developing land in the Moscow region - a promising area where all types of real estate have always been in demand.

List of residential real estate projects under construction near Moscow from Morton Group of Companies

Residential complex "Parade of Planets", the occupancy of which will begin in mid-2018. Comfort-class houses are created according to unique design developments. The cost per square meter is estimated at 68,500 rubles.

Microdistrict in Shcherbinka, the development includes 11 multi-storey buildings. The development company offers all its potential buyers, including military personnel, to become owners of 1-2-3-4-room apartments. Buying a home in Mkrn. in the city of Shcherbinka can become very profitable, since the sale of residential space is still taking place at a relatively low price of 65,500 rubles per square meter. The move-in of residents in this microdistrict will begin in the last months of this year.

The Lyuberetsky residential complex recently presented its new building. A square meter starts from 61,500 rubles. The first stage of this residential complex, which is being built in the city of Lyubertsy, will be handed over to residents in the first months of 2017. Monolithic houses under construction require different number of storeys. Buyers have a choice of many one-, two- and three-room apartments, since there are still many free offers in the developer’s database.

Residential complex "Nakhabino" involves the construction of multi-apartment brick-monolithic buildings. Construction should be completed in the spring-summer period of 2017. The developer offers military personnel the purchase of spacious, bright 1-2-3-room apartments with areas ranging from 37.90 to 84.77 square meters.

Microdistrict “Shchitikovo” is being built 2 km from the Moscow Ring Road along Shchelkovskoye Highway, in Balashikha. Due to the close proximity to the capital, the pricing policy per square meter of housing starts at 86,000 rubles. The houses that will appear soon will delight you with unique architecture, as they are based on original designs. The result of construction will be the delivery of 20 buildings, including both monolithic and brick apartment buildings. The construction of almost completed buildings will be completed in the winter of 2016.

Microdistrict “Sacramento”, a square meter costs from 53,575 rubles. Buyers wishing to purchase small-sized housing will be provided with spacious one-room apartments. Also in the assortment are “two-room apartments”, differing in different layouts. Very soon, in the 2nd quarter of 2016, residents will be able to move into their apartments.

Residential complex "Rozhdestvensky" in Mytishchi near Moscow. A square meter of residential real estate here starts selling at 83,541 rubles. Military personnel will be able to purchase spacious apartments in this business-class residential complex with both a single living room and two or three rooms. Residents will be able to move into their homes in the 3rd quarter of 2016.

Microdistrict “Katyushki 2” in Lobnya, whose residents will be able to receive the coveted keys to their own apartment in the fall-winter of 2016. The microdistrict includes eight large buildings. A square meter of housing is sold at around 66,000 rubles.

Morton Group of Companies is recognized as a reliable, well-proven developer, so investing in any of its projects will be a competent, informed decision. Morton builds housing that is generally inexpensive and accessible, but of adequate quality. Construction, as a rule, is carried out by microdistricts with social infrastructure introduced at the planning stage. This housing meets the basic requirements of NIS participants for an apartment on a military mortgage.

For many people, the problem of purchasing their own home is now quite acute. Military personnel are no exception here. Not every one of them can afford to buy even the smallest living space. In many cases, the only way out is a mortgage.

Fortunately, the so-called savings-mortgage system (NIS) has been operating in Russia for about 10 years. Now anyone who serves in the military can afford to buy a home with a mortgage, both in a new building and on the secondary real estate market. Today, many construction companies provide affordable housing for military personnel and their families on mortgage terms with fairly favorable terms. The main thing here is not to make a mistake in choosing.

Who does Morton Group cooperate with?

The company has four partner banks. Everyone will be able to choose suitable mortgage offers for themselves. In any of the banks represented by Morton, the savings portion transferred to the account of a military member of the NIS can serve as both a first cash payment for the purchase of square meters in a new building, and as finance for further monthly interest payments.

Partner banks:

OJSC "GAZPROMBANK"

• minimum down payment – ​​15%;
• borrower age – 20-45 years;
• maximum loan term – up to 25 years;
• loan rate – up to 12%.

OJSC "Bank ZENIT"

• participation in the NIS – at least 3 years;
• borrower age – 22-45 years;
• the maximum loan term is until the military personnel retire;
• loan rate – up to 12%.

OJSC AKB Svyazbank

• participation in the NIS – at least 3 years;
• minimum down payment – ​​10-70%;
• borrower age – 20-45 years;
• maximum loan term – 3-20 years;
• loan rate – up to 18%.

"VTB 24"

• participation in the NIS – at least 3 years;
• minimum down payment – ​​from 10%;
• borrower age – 20-45 years;
• maximum loan term – 3-16 years;
• loan rate – from 8.7%.

Features of cooperation

The legal right to take advantage of a mortgage for the military at the Morton company is available to:

• those officers of the Russian army who entered into their first contract for military service since the beginning of 2005;
• the duration of contract service for midshipmen and warrant officers in the Russian Army must be at least 3 years from the beginning of 2005;
• the second military contract should be concluded no earlier than 2005;
• young specialists who graduated from military universities after 2005 and entered into their service contract from the beginning of 2005.

Every military member participating in NIS can buy living space with a mortgage directly from the developer without much difficulty from the Morton company - literally in 3 steps:

1) contact company representatives directly,

2) provide the required documents (copies, originals),

3) enter into an appropriate agreement.

In order for the military to purchase the desired apartment in a new building through a mortgage to be approved by Morton Group and the selected bank, the borrower must provide the developer and credit institutions with the following package of documents for consideration:

• ID card (passport);
• a certificate confirming participation in the NIS (the certificate is valid for no more than six months, starting from the day it was signed by authorized persons);
• a corresponding application, drawn up in accordance with all the rules;
• application-questionnaire in the form established by the selected bank.

Many residents of Moscow and the regions have already taken advantage of military mortgages from Morton Group, purchasing housing in new buildings. All of them note the following advantages of cooperation:

• high professionalism of employees,
• individual approach to each client,
• good quality of apartments sold on credit,
• a large selection of housing (both in houses under construction and on the secondary market).

The MORTON group of companies is one of the leading companies in the field of construction. This developer is engaged in the construction of large residential neighborhoods and entire complexes with the latest infrastructure. All developer projects are located in the capital region and the nearest Moscow region. This company is ready to offer its clients real estate of various levels: from economy class to comfort and business class.

A pleasant moment for military personnel will be that new buildings and military mortgages from the Morton company are available in several banks. This indicates the good reputation of the developer and a wide selection of banking conditions under which a targeted housing loan can be provided.

Developer partner banks

The list of Morton's partners is very large and includes more than 20 financial institutions, which indicates its reliable position in the market. The developer cooperates with creditor banks:

• OJSC Sberbank of the Russian Federation,
• Uralsib,
• Metallinvestbank,
• NOMOS-bank,
• OJSC Moscow Industrial Bank,
• OJSC Gazprombank,
• ZAO Raiffeisenbank,
• MDM Bank and many others.

But not all of the listed creditors provide CLP to NIS participants. For example, it will not be available yet.

As for targeted housing lending to military personnel with shared participation, the developer also works in partnership with several lending institutions for military mortgages and shared construction:

• Gazprombank;
• Bank ZENIT;
• Svyazbank;
• VTB 24.

CLOs are provided by partner banks of the Military Mortgage program. Morton works with the following lenders:

Gazprombank

The maximum loan amount is 2,200,000 rubles, the minimum is not established. The interest on the loan depends on the age of the serviceman and on the status of the apartment (under construction or completed) and varies from 10.5 to 12%. In addition to insurance of property interests, due to the risk of damage to the property itself, Gazprombank does not require other types of insurance (insurance of the risk of death or disability).

Bank ZENIT

Available in the amount of CZHZ - from 300 thousand to 2.2 million rubles. The percentages will be:

1. at the stage of equity participation - 12%,
2. after delivery of housing and ownership rights - 10.5%.

Insurance includes both various risks during the construction stage and property insurance after registration of property.

The period for consideration of an application for a CLP is 10 working days.

Svyaz-bank

The size of the loan for a military mortgage is from 400 thousand to 2.2 million rubles, the interest rate also depends on the age of the serviceman, the status of the property being sold and ranges from 11.30% at the construction stage and 10.5% for registered housing.

Svyaz-Bank provides mandatory insurance for clients (insurance of risks and loss of property) and voluntary (personal insurance, as well as life and disability).

It will take up to 2 business days to review your application and receive a response.

VTB 24

The maximum loan amount for a military mortgage is 2.35 million, the minimum is 300 thousand rubles. Interest will be charged from 8.7% per annum, the risk of loss is insured and property insurance is provided (after state registration).

Considering the conditions of banks, it is clear that each has its own positive aspects in the conditions of obtaining a military mortgage. Therefore, when choosing a lender, you should decide what priority is the maximum loan size or the minimum interest rate.

Accredited facilities

Morton Group has several accredited construction sites where you can purchase living space with a military mortgage on the basis of an equity participation agreement. At the same time, if the main characteristics of housing and its cost suit the military man, then he needs to decide on the choice of a creditor bank. Because different banks work with different real estate properties.

By applying for a targeted housing loan from a selected bank, a military serviceman can purchase apartments in new buildings from Morton in the following areas of the Moscow region:

• Leninsky district;
• Zheleznodorozhny;
• Shchelkovo;
• Krasnogorsk region;
• Vidnoye, Leninsky district;
• g., etc.

A serviceman will be able to get acquainted with each property from the developer in more detail by visiting the official website of Morton Group of Companies. The Military Mortgage section describes in detail the conditions for all properties offered for sale.

What reviews say about the developer

If you study the messages on the forums about the Morton company, you can see some uncertainty between positive and negative reviews.

For example, everyone who applied for a loan at VTB 24 (which has the lowest interest rate) was denied a loan. You can also see many complaints about the high cost of housing and a few about delays in housing delivery.

Taking into account the dynamic development of construction projects, it is recommended to find out all current conditions directly from the developer. Depending on the degree of readiness of a residential building, whether it is a zero cycle or interior decoration, the cost per square meter depends.

Mortgage loan rates start at 5% per annum depending on the bank, client category, method of income verification, etc. We work under bank lending programs, where rates are fixed for the entire loan term.

What is the minimum down payment?

When purchasing apartments in PIK Group, VTB Bank gives you the opportunity to deposit only 10% of your own funds at 10.5%. There is also a program without a down payment with a rate of 14.2% per annum from Bank Vozrozhdenie.

For what period is it better to take out a mortgage?

When choosing a loan term, you need to start from the monthly payment that is comfortable for you; the longer the loan term, the lower the required monthly payment.

What is the maximum term for a mortgage loan?

A mortgage loan can be issued for a period of up to 30 years, and the Bank takes into account the age of the borrower at the time of application and at the time of full repayment of the loan. For example, at Sberbank the maximum age of a borrower cannot exceed 75 years, VTB up to 55 years for women, 60 years for men.

Is it possible to pay off the mortgage early?

Early repayment of a mortgage loan is possible at any time without penalties or additional fees. In this case, you can either repay the loan in full or in part, reducing either the loan payment or the term.

What are the chances of approval?

According to statistics, more than 98% of all clients who apply through our company receive approval from at least one of the banks.

Can a foreign citizen get a mortgage loan?

Yes, it is possible, some Banks provide mortgage loans to foreign citizens.

What is the validity period for mortgage documents?

The validity period of income certificates and a certified copy of the work book is 30 calendar days from the date of issue.

Why do you need a guarantor? Who could it be?

If the borrower is unable to pay the mortgage loan, a claim for payment of the loan will be made to the guarantor. Typically, banks require close relatives of the borrower (mother/father, brother/sister, son/daughter) as guarantors.

Is it possible to purchase commercial premises with a mortgage?

It is possible to use a mortgage loan when purchasing commercial real estate. PIK Group works with several banks under this program.

What documents are needed to apply for a mortgage?

The standard package of documents includes a completed application form, a scan of all pages of the passport (including blank ones), a certified copy of the work book and a certificate of income (2NDFL or according to the bank form). Many banks also require SNILS and Military ID for men under 27 years of age.

I am married, is it necessary to involve my wife as a co-borrower?

You may not involve your spouse as a co-borrower; however, depending on the bank, you will need either notarized consent to the transaction or the drawing up of a marriage contract. In a number of banks, you can register an apartment only in your name, but in the absence of a marriage contract, the apartment will be considered jointly acquired property according to the legislation of the Russian Federation.

Is it necessary to take out life and health insurance?

Life and health insurance is an additional expense when taking out a mortgage. The cost of insurance may vary depending on the chosen bank and insurance company, usually the amount of insurance ranges from 0.2% to 1% of the loan amount per year. A number of banks may refuse insurance, but at the same time the interest rate increases in such a way that in most cases it is more profitable to take out insurance.

How much work experience is required to apply for a mortgage?

To complete an application from persons working for hire, a total work experience of at least 1 year is required, while at the last place of work the experience must be at least 1 month in the absence of a probationary period, but it is advisable to work at the current place of work for at least 3 months, then the choice of banks will be wider. For individual entrepreneurs and business owners, the period of activity must be at least 1 year for Sberbank. For other banks working with this category of clients, a period of existence of 2-3 years is required.

Will I be able to get approval without a 2NDFL certificate?

You can provide a certificate in the form of the bank. At the same time, most banks accept the form of a certificate from the PIK Group, which will allow you and your accountant not to waste time filling out numerous certificates for different banks.

I am not officially employed, but my income is stable, can I get approval?

To complete an application using two documents without proof of income, it is enough to indicate in the application form the details of the organization for which you work (even unofficially): name, including legal form, telephone number and Taxpayer Identification Number (TIN). In this case, you need to have 20-50% of the cost of the apartment. The greater the amount of your own funds you are willing to deposit, the more banks we can offer you. As a second document, you can provide, for example, SNILS or TIN certificate.

I am a pensioner and do not work, is there any point in submitting documents to banks?

A non-working pensioner can apply for a mortgage loan from Sberbank. In this case, the loan period will be limited to 75 years of age. The loan amount in this case will depend on the possible term of the loan (that is, on the age at the time of application), on the amount of pension income, as well as on possible additional income, which Sberbank also takes into account when considering an application for a mortgage loan.

Can maternity capital be used as a down payment?

Yes, using maternity capital for a down payment is allowed. In a number of Banks it is necessary to have an amount of own funds (from 5%), in addition to maternity capital funds.

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