Aizhk borrower's personal account login password recovery. Aizhk personal account: entrance, registration, opportunities. Life and health insurance of the borrower when applying for a mortgage in Rosgosstrakh

AHML borrower's personal account

The issue of housing mortgage lending is more relevant than ever. Huge real estate prices of the housing stock and crazy interest rates on real estate loans contributed to the creation of a mortgage lending agency. The peculiarity of working with the AHML agency is the possibility of obtaining a mortgage loan for a long period. Only in this way can young families get housing on credit and not connect their lives with rental property. Personal account of the borrower - your guide!

Today, the AHML agency offers several interesting programs to make housing more affordable:

• Housing for the Russian family;
• Social mortgage;
• Borrower Assistance Program.

Using one of the programs, you can purchase housing in a new building or on the secondary market on a long-term loan. You can repay a mortgage loan through the personal account of the borrower.

Regions: Moscow, St. Petersburg, Kemerovo and Kemerovo region, Veliky Novgorod, Volgograd, Vologda, Omsk, Yaroslavl, Novokuznetsk, Chelyabinsk, Perm, Severodvinsk, Murmansk, Nizhny Novgorod, Tver, Penza, Izhevsk, Barnaul, Kurgan, Samara, Krasnoyarsk , Vladimir, Saratov, Astrakhan, Cherepovets, Kirov, Ryazan, Kursk, Orenburg.

Possibilities of a personal account

To use all the functionality of your personal account, you must register on the agency's website. After gaining access to the office, you can perform the following operations:

• Submit an electronic application for full or partial payment of a loan in an amount exceeding the monthly payment.
• Generate receipts for monthly payments.
• Control compliance of dates and amounts of monthly payments.
• Control the movement of funds in your account. With access to such information always at hand, the borrower can sleep peacefully. After all, he is sure that all payments are fixed, and the amount of debt with each payment becomes less.

Registration in the System

Connection to the System is possible for borrowers or co-borrowers under a loan agreement under which the mortgage belongs to AHML (or the Agency represents the interests of the legal owner of the mortgage). To check your status, please contact by phone Hotline 8 000 505 11 11.

How to register and get login information?

If your loan agreement was concluded before 01.05.14: You can independently register remotely in the System by clicking on the link lkz.ahml.ru, or visit your support agent to sign the Offer to conclude an agreement on the use of the Borrower's Personal Account web service (offer).

The Agency for Housing Mortgage Lending (AHML) is a housing development institution whose main task is to increase the affordability of housing for citizens of the Russian Federation.

Personal account of the borrower— a modern online cabinet for managing the state of a mortgage loan. The cabinet allows the borrower to control the state of mortgage debt and independently receive information about the status of payments, generate statements and receive other certificates.

But mortgage lending is consistently associated with several important negative factors: huge interest rates, the dishonesty of most construction companies, the “sustainable” financial crisis in the Russian Federation - this is what makes people unwilling to take out a loan to buy housing. In order to somehow help people who are faced with the difficulties described above, the Agency for Housing Mortgage Lending was created. It was followed by the Unified Institute for Development in the Housing Environment, which was formed two years ago on the basis of this agency. You can learn more about the work of the organization on the dom.rf portal and in the personal account of the AHML borrower.

Features of the personal account of the borrower

Users of a personal account get the opportunity to:

• monitor the current state of payments and debt on the loan;
• make a request for obtaining documentation related to the state of the loan;
• analyze the current loan repayment schedule;
• calculate and receive information on balances and the amount of payment;
• generate requests to the creditor, save and print payments;
• prepare a request for registration of certificates and documents for submission to state institutions (Pension Fund and the Federal Tax Service);
• use reference materials of the Agency for Housing Mortgage Lending.

Mortgage - today it is the only option to purchase an apartment for almost all segments of the population of the Russian Federation. Saving up the amount necessary to buy your own apartment, while simultaneously renting an apartment, is not possible for anyone, since even for an ordinary two-room apartment in a metropolis you have to pay a tidy sum of several million rubles.

AHML assistance program for mortgage borrowers

The program is carried out only through JSC HML, which is responsible for compensating for substantial losses that threaten credit institutions for improving mortgage conditions. In fact, the state is responsible for the financial support of this program, because the full stake in AHML JSC is in the hands of the Government of the Russian Federation.

According to the idea of ​​the founders of AHML, the financial injections made by AHML into mortgages should help with the repayment of the debtor's debt for the purchase of an apartment, and banks should guarantee the receipt of the profit due to them on issuing a mortgage.

New AHML program - rental housing

In fact, the program can be safely divided into two components. So, the first of them is responsible for issuing preferential terms for mortgages to potential customers who are going to buy housing in a new building. This includes military and social mortgage lending. We will talk about each of them separately.

Military mortgage lending

Only military personnel not older than 45 who participate in the savings mortgage system and who have paid a contribution of 20 percent of the cost of housing will be able to take part in this program. In turn, the participation of AHML gives a guarantee to the borrower for the absence of penalties that could be charged due to violations of the mortgage payment schedule, and also gives an interest-free deferment, though only a year.

Social mortgage lending

This loan is issued not only for the purchase of an apartment, but also for a country house. In turn, the participation of AHML enables banks to make mortgage terms more attractive to the population.

Thus, the following conditions are improved:

• the down payment is reduced from twenty percent to ten percent on the cost of the acquired housing;
• the term of issuing a mortgage is increased to 30 years (from 20);
• the maximum annual percentage is only 12 percent.

In addition, the participation of AHML makes it possible in certain cases to reduce the mortgage rate.

This is possible in the following cases:

• the initial payment for the purchase of housing is taken from the maternity capital;
• a square meter of the purchased apartment costs less than the average square meter in the place of residence.

Separately, it is worth adding that the types of lending mentioned above only work when buying an apartment in a new building.

The second component. She is responsible for supporting borrowers who have already taken out a mortgage on normal terms, but are in a difficult financial situation. This practice is called mortgage restructuring.

Mortgage loan restructuring

The process is divided into two parts. The first component is temporary: it allows you to shift the loan repayment schedule, or even gives a delay in payments for a year and a half. The second part is financial, it includes the following measures that help support the deplorable financial situation of borrowers:

reduction of debt obligations by ten percent of the loan balance (which has accumulated at the moment), however, the amount cannot exceed 600,000 rubles;
reduction of the rate to 12%;
a change in a foreign currency mortgage to a ruble mortgage at the current exchange rate of the Central Bank at that time;

Thus, the following persons will be able to take advantage of the restructuring of a mortgage loan:

• disabled people;
• persons who took part in hostilities;
• persons who have taken care of a minor child (children), or with a disabled child (this category also includes guardians);
• persons with low real income, which has decreased by 30 percent or more since taking out a mortgage.

In addition, in order to count on a benefit on a current mortgage, it is necessary that the apartment being purchased meets the following requirements:

• housing should be the only one;
• the price per square meter should not exceed the price of the average square meter in the city by no more than 60%;
• the area of ​​​​the apartment should not go beyond the standard standards, which are determined by the number of living rooms.

Do not forget that the cost of the apartment and its parameters do not play a role in the case of large families (3 or more children). The amount of mortgage debt, the period of delay in repayment of the loan and other restructurings do not affect the decision on assistance.

If you want to receive support under this program, you need to collect certain documents and go to your bank (not AHML) where you took out a loan. The list of required documents can be found on the official portal of your bank, or in the personal account of AHML. Do not forget that in order to receive support, your bank must be a member of the program, otherwise you will not be able to count on the support of AHML JSC.

The Agency for Housing Mortgage Lending provides an opportunity for borrowers to receive information about the state of the loan online, request the necessary documents, and generate receipts for current payments. These and other functions are available in the personal account, which is an information space in the form of a website. Access to information related to a mortgage loan is available to the borrower or co-borrower after authorization, entering a password and confirming the system.

Borrower options

The bank that issued a mortgage loan under the Agency's program is an escort agent. Previously, it was possible to get information about the state of a loan, order a certificate for the Pension Fund or tax authorities, and apply for early repayment of a loan only at the agent's offices. The personal account allows the borrower to perform a number of operations online from the personal account, which operates around the clock, during the entire loan servicing period. The functionality of the service provides the ability to:

• See repayment history (paid interest and loan body);
• Contact the lender and get answers;
• Send an application for early payments (full or partial repayment of the loan);
• Request information for government agencies;
• Check the repayment of insurance payments according to the insurance contract;
• Track the transfer of monthly payments to make sure that there is no debt on the loan;
• View up-to-date information about the current rate, payment amount, loan balance, etc.;
• Inform the lender about changes in personal data;
• View the latest news from the lender and the Agency, etc.

The creators of the service strongly draw the attention of users to compliance with security rules. In order not to encounter unauthorized access to your personal account, you must not disclose your password and login to third parties. The password text should not contain public data (dates of birth, names, addresses, phone numbers). If you lose a phone whose number is registered in the system, you must urgently block the number. Next - register a new number on the site to receive SMS messages. To enter your personal account for the first time, you need to register.

Step-by-step instruction

To get into your personal account, you need to go to the "Mortgage" section on the main page of the official Dom.rf portal, and then go to "Credit Service". By selecting the "Personal account of the borrower" option, the user is taken to the registration page, where you can see a special guide for using the system. After entering your personal account (green button on the right), registration begins:

For the second login and all subsequent ones, the same login and a new password are entered, which must not be disclosed to outsiders. For a secure connection, it is recommended to log into the service only from your own computer (phone), use the versions of browsers recommended in the manual. The relevance of the data is written in the upper right corner of the account page. As a rule, the information is delayed by two days.

Submission of requests, applications for early repayment of the loan

An application for early (full or partial) repayment of a mortgage loan can be sent through your personal account. After authorization, the user enters the credit page, where he selects the "Early repayment" option. You must specify the type of repayment, the desired date of payment and the amount. The calculation of further servicing of the loan after partial repayment is provided. The user chooses to reduce the loan term or reduce current payments.

After sending the request, the entry “Payment schedule calculated” should appear in the “Appeals” section. Be sure to confirm by clicking "Accepted" so that the application is not canceled. The request for references for government agencies also starts from the credit page. The form is filled in the section "Help in the IFTS", the method of receiving the document is selected: through an agent bank or by mail. Be sure to attach scanned documents in the "Attachments" field. Help is also requested for the Pension Fund.

Formation of receipts and tracking payments

To print a receipt, on the credit page, select the option "Make a planned payment". In the form that opens, enter personal data and indicate the bank in which payment will be made. The amount of the next payment will appear in the receipt, but the user can change it. The page "Loans" (section "Information on the loan") allows you to find out the history of payments (including overdue ones), the schedule of payments until the end of the loan repayment, the time and amount of the last installment.

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"AHML JSC User's Guide for Borrower's Personal Account Version 1.0 24.08.2015 Table of Contents Introduction 3 What is a Personal Account, and what is it for..."

Management

user

Borrower's personal account

Version 1.0

Introduction 3

What is a Personal Account and why is it needed 3

Registration process in System 4

How to find out if you can connect to the System 5 How to get your login information 6 Important information about the System 7 Logging in to the System 8 How to log in to the System 9 How to recover your username or password 11 System sections and their purpose 12 Brief description of System sections 13 Key questions 15 Credits page How do I check my account balance? 16 How can I find out the date and amount of the next loan payment? 16 How to view detailed information on a loan? 17 How can I view or print a budget billing schedule? 18 How can I view or print my repayment history? 19 How do I find out the details for making a payment? 20 How to generate a receipt for payment of the planned payment? 21 How to apply for early repayment of a loan? 22 How to calculate the payment schedule after a possible early payment?

Page "Insurance contracts" How to view information about the insurance contract, find out the date and amount of the next insurance premium?

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What is the Borrower's Personal Account and why is it needed The Borrower's Personal Account (hereinafter referred to as the "System") is a service provided to individuals who are borrowers (or co-borrowers) under loan agreements, the pledge holder for which is Agency for Housing Mortgage Lending JSC (hereinafter referred to as the "Agency") (or the Agency represents the interests of the legal owner of the mortgage bond).

Using this service, you can get up-to-date information about your loan agreement, payment schedule and account status;

if necessary, you can remotely apply for early repayment and contact the Agency with any question.

Registration process in the System

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How to find out if you can connect to the System

You can connect to the System if:

You are a borrower or co-borrower under a loan agreement under which the mortgage belongs to the Agency (or the Agency represents the interests of the legal owner of the mortgage);

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Important information about the System To work in the System, we recommend using one of the following browsers:

Internet Explorer 9 or later;

Mozilla Firefox 14 or later;

Google Chrome 21 or later;

Apple Safari 5.0 or later;

Opera 21 or later;

Yandex.Browser 14.2 or later.

Information in the System appears with a slight delay (2 working days), this is due to the peculiarity of its work. The date of validity of the data is indicated in the upper right corner of each page of the Personal Account.

Login

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If this is your first login to the System, you will be taken to the page If you are logging in for more than the first time, then you will immediately get a password change, on which you will need to change to the “Credits” page.

password received by you in the form of SMS. To do this, in the field Change the password again, you can at any time, "Old password", you must enter the received password, and by going to the "Profile" section (this is described in detail below, in the sections "New password" and "New password" fields ( confirmation)" - "Profile").

the value you want to change the password to. Also, if you wish, on this page you can select a security question and an answer to it (this information may be useful to you later when contacting the hotline). After the performed actions, you must click the "Save" button, and you will be taken to the "Credits" page.

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How to recover a username or password If your login data (login or password) is lost, you can recover them using one of the following methods:

1 Use the login and password recovery service on the start page https://lkz.ahml.ru. To do this, in the "Login" window, click on the link "Forgot your username or password?". Next, you need to enter your login (if you know it), or the e-mail address registered in the system, and then click on the "Restore" button.

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Brief description of the System sections All information in the System is divided into five thematic sections (4 in the main menu, 1 is placed separately), you can switch between them from any page of your Personal Account by clicking on the section heading.

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How to check the account balance?

Information about the balance of funds on your account is available on the "Credits" page.

As a rule, an interbank transfer takes from one to three business days, so the information in the Personal Account can be updated only on the fourth business day after the funds are deposited into the account.

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How to view detailed information on a loan?

In order to view detailed information about your loan, you need to left-click on the “Loan Information” icon on the “Credits” page, after which you will be taken to a page containing complete information about your loan agreement:

Mortgage number

Loan agreement number

Date of conclusion of the loan agreement

Type of mortgage product

Amount of credit

Loan maturity

Interest rate at issue date

Current interest rate...

Full cost of the loan

Remaining principal

The amount of the next planned payment

Date of the next planned payment

Amount of overdue debt

Escort agent

Mortgage holder Loans (main page) How do I view or print a budget billing schedule?

To view the schedule of planned payments, you need to go to the "Credits" page by clicking on the link "Schedule of planned payments".

If you want to print the schedule, you need to click on the "Print" button on the payment schedule page, this will open a window containing a payment schedule adapted for printing and a standard "Print" dialog box, where you can select a printer and other print options.

In addition, the payment schedule can be downloaded to Excel format by clicking on the appropriate button.

Also on the payment schedule page you can display only the necessary part of the schedule. To do this, you need to specify the date range you are interested in and click on the "Show" button.

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How can I view or print my repayment history?

To view the history of repayments, you need to go to the "Credits" page by clicking on the link "History of repayments".

The redemption history contains a list of debits made from your account, and not a list of payments actually made. Scheduled payments are written off on the last day of the month (or on the next business day, if the last day of the month is a day off), early payments are written off on the date declared when filling out the application.

As in the case of the planned payment schedule, you can print the repayment history or filter it by the required date range.

Use the "Print" and "Show" buttons for this.

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How can I find out the details for making a payment?

If you need to clarify the details for making a payment under your loan agreement, you can find them by clicking on the "Payment details" link on the "Credits" page.

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How to generate a receipt for payment of a planned payment?

In your Personal Account, you can generate a ready-made receipt for paying the planned payment, then print it out and pay at the nearest bank branch.

To do this, on the "Credits" page, you must click on the "Make a planned payment" icon, after which you will be taken to the receipt preparation page.

This page contains fields for entering data and details of the upcoming payment. On the receipt preparation page, you need to enter the full name and address of the payer, select a bank from the list

– the recipient of the payment, if necessary, you can also change the amount of the payment (by default, the amount required to pay the current planned payment and the overdue debt, if any, is entered).

will automatically generate a receipt in pdf format.

If the generated receipt does not open for you, you need to install Acrobat Reader.

Since interbank transfers can take up to three business days, payment must be made in advance to avoid late payments.

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The date of early repayment must be at least 5 working days from the date of application.

The due date is the date the funds are debited from the Agency's account, not the due date.

The amounts of the current annuity payment and overdue debt are not included in the amount of early repayment and must be paid separately.

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STEP 2 After you complete all the steps described in STEP 1, your application will take the status of "Accepted"

and will be sent for processing (its processing time may take up to 5 minutes). As soon as the processing of the application is completed, its status will change to "Payment schedule calculated".

In order for your early repayment to fall into the planned schedule, you need to confirm it before the due date.

If you do not, the application will be cancelled. To do this, click on the line with the application for redemption to go to the card of this appeal.

In the request card that opens, you can familiarize yourself with the recalculated payment schedule by clicking on this link, after which you need to click on the "Accept" button.

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STEP 3 Now your application for early repayment is on schedule, all you have to do is print the receipt and pay it at the nearest bank branch.

To generate a receipt in the application card, you must fill in the fields "Payer's full name", "Payer's address", select the beneficiary bank from the list and click on the "Print" link.

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Loans (main page) STEP 2 After you complete all the steps described in STEP 1, your application will receive the status "Accepted" and will be sent for processing (processing time may take up to 5 minutes).

As soon as the processing of the application is completed, its status will change to "Payment schedule calculated".

You can track the change in the status of the application on the "Appeals" page.

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How to view information about the insurance contract, find out the date and amount of the next insurance premium?

To view information about your insurance contracts, you need to go to the "Insurance contracts" page, which contains brief information about the contracts, as well as the date and amount of the next insurance premium.

Information on insurance contracts is updated by the Escort Agent according to the documents received from the insurance company or the borrower. If you see that the information displayed in the System is out of date, contact your Accompanying Agent.

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How to view the premium schedule?

To view the schedule of insurance premiums, you need to click on the link "Schedule of insurance premiums" on the page "Insurance agreements".

Questions about the methods of payment of insurance premiums and details for the transfer should be asked to your insurance company.

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How to get a certificate to the Pension Fund of the Russian Federation (PFR)?

To order a certificate from the FIU, you need to click on the link "Help from the FIU" on the "Credits" page. After that, a form to fill out will be presented on your screen.

The "Attached Files" field is intended for attaching scanned copies of documents that are relevant to your request, for example, a request from the FIU to provide this certificate.

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You can track the change in the status of the application on the "Appeals" page.

Obtaining certificates Obtaining a certificate on the amount of interest paid for submission to the Inspectorate of the Federal Tax Service (IFTS).

To order a certificate from the IFTS, you need to click on the link "Help from the IFTS" on the "Credits" page. After that, a form to fill out will be presented on your screen.

The Invoice Number field must be filled in. If you have more than one loan agreement, you must select the mortgage number from the drop-down list.

The value in the "Method of obtaining help" field must be selected from the list of suggested options:

1) Personally at the Agent - means that you receive a certificate from the Agent's office to support your loan;

2) By post - in this case, the certificate will be sent to you at the address indicated as the address for correspondence in your profile.

Obtaining references The "Reporting period" field involves the choice of the period for which you need data.

You can enter any additional information in the "Note" field.

The "Attachments" field is intended for attaching scanned copies of documents that are relevant to your request.

After filling in the above fields, you must click the "Submit" button. If everything is done correctly, a window with a message about sending a request should appear.

Then your application will receive the status "Accepted" and will be sent for processing.

As soon as the processing is completed, its status will change to "Processing completed (certificate from the Agent/certificate sent by Mail)".

You can track the change in the status of the application on the "Appeals" page.

If your Profile has data in the "E-mail" field and subscribes to notifications "Notification of a change in the status of the application", you will learn about the change in the status of the application from the message sent to your e-mail address.

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G find information about a referral?

de The Cases page contains a list of all the cases you have submitted. To simplify the search for the required appeal, you can specify the date range for sending appeals and click the "Show" button.

When you click on the appeal line, you will be taken to the appeal card, which contains complete information on your appeal.

If the request is in the "Accepted" status, it can be canceled by clicking on the "Revoke" button.

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How to view my personal messages?

You can find messages addressed to you on the "Messages" page. As with cases, messages can be filtered by publication date.

To view the selected message, click on the line containing its brief description.

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How to change the login password?

In order to change the password for logging into the System, you need to go to the “Profile” section and click on the “Change password” icon at the bottom of the screen.

In the window that opens, fill in the fields:

Current password (this is the password that you entered when you last logged into the System);

New Password;

New password (confirmation) (is used to exclude typos when entering a new password)

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How to change contact details?

If your mobile phone number or e-mail address has changed, you need to enter new contact details in the System. Having up-to-date contact details, you will be able to receive notifications in a timely manner.

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How to set up a subscription to alerts?

For security purposes and just for your convenience, you can set up a subscription to the notifications you need by choosing the method convenient for you (SMS messages or email).

The System has the ability to notify about the following events:

Changing profile data;

Changing the status of an appeal;

Receiving a new personal message.

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How can I find out the date of validity of the data?

Due to the peculiarities of the work of the accounting system of the Agency, the data in the Personal Account is updated once a day. You can see the date of data relevance on any of the pages in the upper right corner of the screen

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Answers to frequently asked questions Why is there 2 payments per month in the planned payment schedule, and in some months there are no payments at all?

Both the planned and the actual payment schedule indicate the date of write-off of funds to repay the loan. The debit date always falls on the last day of the month, and if it is a weekend or holiday, the debit date is moved to the next business day. Therefore, for example, the payment for May 2015 will be deducted on 06/01/2015, and for June on 06/30/2015.

I regularly deposit more funds into my account than I need to pay off the loan and there must be an overpayment. Why does the score show 0?

Most likely you have opened a bank account through which you pay for the loan, and issued a long-term order to transfer funds to the Agency in a certain amount on a monthly basis. If so, then the funds paid by you are on the bank account, which transfers to the Agency exactly the amount of the monthly payment. The balance of funds remains in the bank account, and not in the Agency, so you do not see it in the personal account. To use the overpayment, you need to contact the bank.

In the application for partial early repayment, I have such and such a date. Does this mean I have to pay THIS day or BEFORE this day?

The date that you specified in the application for early repayment of the loan is the date on which the funds should already be in the Agency's account and be debited. Since the term of an interbank transfer can be from 1 to 3 business days, we recommend that borrowers deposit funds in advance so that they can reach the Agency by the date specified in the application.

How to make a loan payment remotely (using a bank card)?

There is currently no service in the Personal Account that allows you to pay a loan online via the Internet. However, if the bank whose card you hold has an Internet bank that allows you to perform such operations, you can use the service of your Bank using the details of the Agency specified in your Personal Account.

General issues After partial early repayment, the schedule of insurance premiums has not changed. Why?

Unlike monthly payment schedules, insurance premium schedules are not automatically recalculated. In order to change the schedule of insurance premiums, you need to contact the insurance company with a new schedule of monthly payments. The insurance company will conclude an additional agreement with you to the insurance contract, which you will need to provide to your Escort Agent. Only after adding agreement to our system and checking it for correctness, the data will change in your Profile.

When you log in, a message appears that the account was not found (login and password are correct). What can be done?

Please check again that the data you entered is correct. The login consists of 8 digits and remains unchanged, only Latin letters can be used in the password. If you still can't sign in, try using a different browser (such as Internet Explorer or Mozilla Firefox). In case of failure, contact the Personal Account support service (8-800-505-11-11, around the clock).

How to change login?

The login in the Personal Account cannot be changed, it is an identifier that links your account with the main system of the Agency and allows you to update information on your loan in the Personal Account. You can only change the password in the "Profile" section (p.35 of this manual).

How to change personal data: Address of residence, Address of registration, Address for correspondence?

In order to change the address data in the Personal Account, it is necessary to send a written request to the Personal Account support service with up-to-date information on the addresses, attaching a scanned copy of the pages of your passport with your full name and registration address. After that, your address data will be changed in accordance with the request.

Do I need to submit documents to change my name?

The change of surname does not entail the need to make changes to the documents of the credit file, and, accordingly, to the information systems of the Agency.

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How can I turn off SMS notifications on my cell phone?

You can turn off SMS notifications sent by the Personal Account in the "Profile" section (the link is located in the upper right corner of the main page of the Personal Account). On the page that appears, in the "Subscribe to notifications" section, uncheck all the boxes in the "SMS" column.

How can I change the contact details (phone number) of a co-borrower in my personal account?

Access to the Personal Account is issued separately for each borrower/co-borrower (the online registration procedure is the same for everyone, see information on the website http://www.ahml.ru/ru/borrower/payback/lkz/). The phone number in the "Profile" section can only be changed by the person whose data is subject to change while in his/her Personal Account.

Is the service of SMS notification about the transfer of funds / reminder of the upcoming payment provided?

How often is the data on payments made in the System updated?

At the moment, the backlog of data in the Personal Account from the current calendar date by 2 working days is a technical norm. However, the Agency is taking all measures to improve the efficiency of the system and reduce the period for providing information.

Do I need to submit a new payment schedule to the insurance company for recalculation?

The current schedule of monthly payments on the loan must be presented to the insurance company for recalculation of the schedule of insurance premiums. As a rule, insurance companies accept for calculation the payment schedule formed from the Borrower's Personal Account. Please contact your insurance company representative.

Is it necessary to pay the next insurance premium if you plan to pay off your mortgage in full soon?

Unilateral refusal to fulfill the obligations assumed under the contract is not allowed. You need to ensure that you have insurance coverage for the entire period of actual use of the borrowed funds. In case of full early repayment of the loan, you can apply to the insurance company to return to you a part of the insurance premium, in proportion to the unused prepaid period of insurance.

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Where can I pay a loan with a minimum commission?

Banks set a transfer fee in accordance with their own tariff policy adopted in each particular bank. You can choose the Bank with the most favorable rates for you. There is also the possibility of transferring funds without commission through the accounting department of the organization in which you work. If your employer has such an opportunity, you need to apply with the appropriate application to the employer's accounting department.

Is it possible to pay loan payments according to details through the Sberbank Online system?

To make a payment through Sberbank Online, go to the "Transfers and payments" section, select the "Organization transfer" section. Next, copy the account number, TIN and BIC from the AHML Personal Account. On the next page, Sberbank Online will show a message that "Several recipients were found for the specified details ...". Select the link "pay by details". Also copy the payee from the AHML Personal Account. In the purpose of the payment, you must specify: "payment of the loan under the mortgage No. ..." When will the payment made be credited?

As a rule, the term of an interbank transfer is from 1 to 3 business days. As soon as the payment arrives at the Agency's account, you will see the amount of the payment received in the "On your account" column on the main page of your Personal Account.

On my receipts for paying the loan, in the line of the beneficiary's bank, BANK "VOZROZHDENIE" (OJSC) is entered, and in the Personal Account, in the details for payment, only two banks PJSC "MDM BANK" and PJSC AKB "SVYAZ-Bank" are indicated. Can I pay in the future to the BANK "VOZROZHDENIE" (JSC) or do I need to pay only to the indicated banks?

At the moment, we continue to accept payments received through Bank Vozrozhdenie (OJSC). However, in the future we plan to reduce the volume of cooperation with this Bank, therefore, its details are no longer indicated in the Personal Account.

What to indicate in the purpose of payment when paying for a loan?

In the purpose of payment, you must indicate the number of your mortgage. Recommended text: "Repayment of obligations under mortgage No. ...".

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Why do the payment schedules opened from the "LOANS" tab and from the "APPEALS" tab (partial early repayment) do not match?

The correct schedule is located in the "Schedule of planned payments" section. The tab "Appeals" gets a pre-calculated schedule when applying for early repayment. Such a schedule is for informational purposes and becomes the main budgeted payment schedule only if you accept it (on the next business day).

What is the minimum amount of partial early repayment of the loan?

At the moment, the Agency has no restrictions on the minimum amount of early repayment. You can deposit any amount convenient for you as a partial early repayment.

Why is the amount of partial early repayment not debited from the account according to the application created in the Personal Account.

Did the payment arrive on time, but was not debited?

Please check the status of your application. Most likely, the payment was not credited against partial early repayment due to the fact that the recalculated payment schedule was not confirmed by you (the application should go from the "payment schedule calculated" status to the "payment schedule changed" status). If you intend to make a partial early repayment of the loan, you need to open a new application for partial early repayment and be sure to confirm the schedule after its recalculation.

Why are loan payments so late? The payment was made in the middle of the month, and debited only at the end.

Regardless of the date of receipt of the payment to the account of the Agency, the date of its debiting always falls on the last day of the month, and if it is a weekend or holiday, then on the next working day.

I applied for full early repayment of the loan. Is the full amount indicated in the schedule, taking into account the monthly payment, or will there be some other payment?

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What sanctions are provided for non-execution of the application for early repayment?

If the funds for early repayment are not received on the Agency's account before the date you declared, the monthly payment schedule will return to its previous state the next day. The Agency does not charge any penalties for failure to make an early payment.

Can I register my family in an apartment that is in a mortgage?

1. General information 1.1. System capabilities 1.2. Basic concepts and principles of operation of the system 2. Settings ... "of the Department of Marketing KSFEI, Ph.D. E.S. Rolbina Kazan 2012 INTRODUCTION In market conditions, one of the main tools for efficient management of an enterprise has become ...»

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