FEDERAL LAW OF THE RUSSIAN FEDERATION

of July 3, 2019 No. 157-FZ

About measures of the state support of the families having children regarding repayment of obligations on the mortgage housing loans (loans) and about introduction of amendments to article 13.2 of the Federal law "About Acts of Civil Status"

Accepted by the State Duma on June 19, 2019

Approved by the Federation Council on June 26, 2019

Article 1

1. This Federal Law establishes the bases for implementation of measures of the state support of the families having children for the purpose of creation of conditions for repayment of obligations on the mortgage housing loans (loans) (further also - measures of the state support).

2. The citizen of the Russian Federation - mother or the father at whom the third child or the subsequent children were born from January 1, 2019 to December 31, 2030 in the period and which are borrowers on the mortgage housing loan (loan) has the right to measures of the state support.

3. In case of determination of the right to measures of the state support the children who are not citizens of the Russian Federation and also children concerning whom the citizen specified in part 2 of this Article was deprived of the parent rights or concerning which adoption was cancelled are not considered.

4. Measures of the state support are implemented once (concerning only one mortgage housing loan and irrespective of the birth of children after implementation of measures of the state support) by complete or partial repayment of obligations on the mortgage housing loan (I will occupy) the citizen in the amount of its debt, but no more than 450 thousand rubles. The specified funds are allocated for debt repayment on principal debt and if such debt is less than 450 thousand rubles, the remained funds are allocated for repayment of the percent added for use of this credit (loan).

5. Complete or partial repayment of obligations on the mortgage housing loans (loans) according to this Federal Law is performed if the citizen specified in part 2 of this Article till July 1, 2031 signs the credit agreement (loan agreement) which purpose is:

1) acquisition according to the purchase and sale agreement in the territory of the Russian Federation at legal entity or physical person of premises (except for the premises recognized for date of acquisition in accordance with the established procedure unsuitable for accommodation), including object of individual housing construction, or the parcel of land provided for individual housing construction, maintaining personal subsidiary farm or conducting gardening or acquisition of premises under the agreement of participation in shared-equity construction or the agreement (agreement) on concession of the rights of requirements for the specified agreement according to provisions of the Federal Law of December 30, 2004 No. 214-FZ "About participation in shared-equity construction of apartment houses and other real estate objects and about modification of some legal acts of the Russian Federation";

1. 1) construction in the territory of the Russian Federation object of individual housing construction;

1. 2) acquisition according to the purchase and sale agreement in the territory of the Russian Federation at legal entity or physical person of object of individual housing construction which construction is not complete;

1. 3) acquisition in the territory of the Russian Federation share (shares) in the right of common property to the real estate object specified in Item 1 of this part provided that as a result of acquisition of such share (shares) the real estate object arrives in property of the citizen specified in part 2 of this Article, or in common property of spouses, or in common property of the citizen specified in part 2 of this Article, and his child(children), or in common property of spouses and their child(children);

1. 4) payment (introduction) of share of the member of housing cooperative which activities conform to requirements of Item 3 of part 2 of article 1 of the Federal Law of December 30, 2004 No. 214-FZ "About participation in shared-equity construction of apartment houses and other real estate objects and about modification of some legal acts of the Russian Federation", the member of housing cooperative or the member of housing accumulative cooperative whose activities conform to requirements of Item 2 or 3 of part 4 of article 8 of the Federal Law of July 1, 2018 No. 175-FZ "About introduction of amendments to the Federal law "About Participation in Shared-equity Construction of Apartment Houses and Other Real Estate Objects and about Modification of Some Legal Acts of the Russian Federation" and separate legal acts of the Russian Federation";

1. 5) acquisition in the territory of the Russian Federation premises (except for the premises recognized for date of acquisition in accordance with the established procedure unsuitable for accommodation) within the programs and (or) actions realized according to the laws of subjects of the Russian Federation and other regulatory legal acts accepted according to them;

2) complete repayment of the mortgage housing loans (loans) specified in Items 1 - 1.5 these parts and parts 5.1 of this Article;

3) complete repayment of the mortgage loans (loans) which are earlier issued for the purpose of, specified in Item 2 of this part.

5.1. Measures of the state support are implemented also concerning the mortgage housing loans (loans) which are granted on the purposes provided by part 5 of this Article including payment of inseparable improvements, and (or) payment of repair of the real estate objects specified in Items 1 - 1.5 parts 5 of this Article, and (or) payment of insurance premiums (insurance premiums) according to insurance contracts which conclusion is provided by credit agreements (loan agreements) specified in parts 5 of this Article, and (or) fee of the creditor or the third parties which rendering is provided by credit agreements (loan agreements) specified in part 5 of this Article.

5.2. Complete or partial repayment of obligations on the mortgage housing loans (loans) according to this Federal Law is performed if creditor (creditor) according to the credit agreement (loan agreement) specified in part 5 of this Article is:

1) credit institution according to the Federal Law "About Banks and Banking Activity";

2) the single institute of development in the housing sphere determined by the Federal Law of July 13, 2015 No. 225-FZ "About assistance to development and increase in management efficiency in the housing sphere and about modification of separate legal acts of the Russian Federation" (further - single institute of development in the housing sphere);

3) ceased to be valid according to the Federal Law of the Russian Federation of 12.06.2024 No. 137-FZ

4) the mortgage agent performing activities according to the Federal Law of November 11, 2003 No. 152-FZ "About mortgage securities";

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