After 20 years of service. What time do people retire now?

When talking about pension provision for people in uniform, it is important to distinguish between two concepts: retirement age and length of service giving the right to a pension. The exact retirement age, that is, at what age do military personnel retire, matters only if the citizen has a mixed work history: military service and in a civil organization. In this case, you must reach your 45th birthday to qualify for government support. General seniority must be at least 25 years, and the service period must be at least 12.

For those who worked exclusively as military personnel, length of service is more important - the length of time spent in the ranks of the Armed Forces. In 2020, the required length of service is 20 years. If a citizen joined the Armed Forces at 20, then at 40 he will be able to receive state support.

The possibility of such early retirement is the subject of discussion; proposals have been repeatedly put forward to increase the retirement age for military personnel, to increase the duration of military service.

Will the length of service increase for retirement?

In 2020, a serviceman’s retirement experience is 20 years, but the threat of his promotion has long been hanging over the armed forces. Reform pension provision citizens in uniform assumes:

increasing military experience by 5 years to a total of 25, provided that all work activity citizen passed in the ranks of the Armed Forces. A former military man will receive state support even if he resigned of his own free will;
Having 20 years of military experience, a citizen will receive state support provided that he is discharged from the army due to circumstances beyond his control: reaching the age limit, organizational and staffing events, or unfitness for service for health reasons.

The conditions for receiving state support with mixed length of service remain the same.

What determines the retirement age?

There is no single age when military personnel can retire:

a citizen has the right to retire at his own request after 20 years of service in the Armed Forces;
upon reaching the age of forty-fifth, a citizen leaves the Armed Forces and receives military state support if he has twenty-five years of total work experience, of which 12 are military experience, and the reason for leaving service is medical indications or staff changes;
a serviceman leaves service upon reaching the age limit, which depends on rank. For Marshall Russian Federation, general of the army, admiral of the fleet, colonel general, admiral, he is 65 years old; for lieutenant general, vice admiral, major general, rear admiral - 60; colonel, captain 1st rank - 55; the rest are 50. For female military personnel, the age limit is 45.

Speaking about the length of service required to receive pension benefits, it is important to understand what length of service is equivalent to military service:

work in the bodies of the Ministry of Internal Affairs of the Russian Federation and the fire service;
in the authorities for control over the circulation of narcotic drugs and psychotropic substances;
in the Federal Penitentiary Service of the Russian Federation and the National Guard of the Russian Federation;
being in Soviet partisan detachments;
periods of work in civilian ministries and departments, provided that during this time the citizen was not removed from military service;
the time spent in captivity, provided that the captivity was not voluntary and the serviceman did not commit crimes against the Motherland;
the period when the serviceman was kept in custody, served a sentence in prison, if the charges turned out to be unfair and the citizen was rehabilitated;
the period of training before service is no more than five years.

Should we expect an increase in pension payments?

Project for which it is expected to increase the duration pension experience, will change the procedure for calculating state maintenance. If the changes take place, then military personnel who retire after 25 years of service will immediately receive 65% of the allowance. For each additional year of service over 25, their pension will increase by 3% until reaching a maximum of 85%.

If a military man, due to reasons beyond his control, is dismissed with twenty years of service, he is assigned a pension of 50% of his salary. For each additional year beyond 20 years of service, the pension amount increases by 3%.

The reform will increase the period when a military man will not be able to resign of his own free will. A forcibly discharged soldier with twenty years of service will receive a state pension.

Simultaneously with the increase in pension length of service, the bill changes additional payments to salary during service for length of service:

Military personnel who have twenty-five years of experience in the Armed Forces and remain in their ranks, although they have the right to retire, are supposed to be paid 25% of the state allowance that would have been assigned to them if they had retired.

A military serviceman has the right to receive pension benefits after his years of service. There is an amendment to the bill that stipulates 25 years of service to acquire the right to claim a pension. What is the reason for this amendment and what does it entail?

Features of the bill

Starting from 2020 in Russia, the length of work experience will increase to 25. This was accepted by the Ministry of Defence. IN legislative framework amendments of this type will also be made. The state decided that it could save several billion rubles from this action.

An exception to the rule will be a military man who has already concluded a current contract for 20 years of service. This is far from a new project. It was already nominated in 2013, but then it was not accepted. In 2015, a proposal was put forward to increase the length of service from 20 to 30, but even then the idea was rejected. Now we have decided to make some amendments.

Military pensions are significant state support for a specific category of people, especially after their dismissal from their place of employment. The advantage here is not only that the pension is higher, but also that they have the right to retire much earlier.

A military man has the right to retire after completing 20 years of service. Now the government has increased the period by 5, which made it possible to raise the age limit to 25.

The president's intervention allowed all officials to slightly change the project and propose a final version that took into account the interests of each pensioner.

A military man has the right to resign for several reasons:

upon reaching the maximum age limit;
presence of medical contraindications;
regular events have been organized.

Such situations make it possible to assign pension provision at a rate of 50% of financial resources, if there is 20 years of experience. An additional 3% is paid for each period exceeding, but in total no more than 95%.

The current federal legislation does not stipulate indexation, which is assumed to be an annual increase in salaries. Since 2013, the military has been provided with a reduction factor.

The law sets the annual increase at 72.23 for 2017. In accordance with this, pension benefits increased by 30% over the five-year period.

There are still disagreements and the adoption of the law has been delayed. The government has not yet finally decided when it would be profitable for it to do this - in 2020 or 2020. The transition phase will not be immediate. It will be extended for five years until 2023.

This situation is necessary in order to adapt all those responsible to the new system. All friction and amendments are now complete. And in the near future a bill may be adopted at the state level.

The legislative act will gain full influence only from the beginning of 2023, thereby causing some confusion among the entire structure of the military forces. The transitional age will allow the variation to be somewhat clarified, but most likely the transition will be difficult.

Now all military personnel will retire on a general basis, which are stipulated in the pension legislation.

If a person meets the above requirements, then he has the right to receive a retirement pension. How much money should he receive? If you have 20 years of experience, then the security is ½ of the salary that was received during your work activity.

Similar indicators apply to citizens whose experience is 25 years, of which 12.5 years are considered service in the army or other military structures.

Longevity for the military gives the right not only to purchase additional financial security, but also allowances and special conditions for provision.

Many media outlets have already published this information and some military personnel have been misled by this. Changing the age limit has already been discussed more than once. The bill is already fully prepared, but cannot find approval from the head of state.

Options for how this document will be implemented are already being considered. The reasons for prolonging the work activity of this category of citizens are more than serious.

The Ministry of Internal Affairs constantly attracts citizens to perform military service under a contract. Almost 15 million people are currently employed. And people find jobs, and the basis for this is a preferential program, financial assistance and long-term pension provision.

There are many bonuses when recruiting for military service, and this is what attracts the majority.

It is worth remembering that this is a growing prestige of employment. Regardless of this, the Ministry of Home Affairs has certain restrictions on the financial plan, which are spent not only on working class employees, but also on pensioners who have retired.

The state could have increased funding, but the crisis did not allow this. If action was not taken, there would be no opportunity to buy equipment and train new workers. Accordingly, there would be no full protection of the civilian population.

That is why they began to consider the possibility of increasing the period of retirement for long service.

The question has already been raised more than once large quantities paperwork for employees of the authorized structure, which should be automated. In fact, this would make it possible to somewhat reduce the current number of workers who do not earn wages, but simply sit behind papers.

This would reduce the costs of the authorized structure and increase the provision of pensioners.

Lack of indexation of salary

Pension benefits are calculated according to a specific algorithm of actions. To begin with, official salaries, part-time payments and military awards, a monetary bonus for length of service and, in fact, for length of service are taken. Based on these factors, the pension provision of all retired citizens is formed.

The national average for pensions is:

for military personnel 23,000;
for the security structure – 30,000;
for a law enforcement agency – 17,000 rubles.

Additionally, it is worth noting that they are entitled to another social payment. This is a civil pension. During the period of receipt, the employee must be in the reserve, have a specific length of service and acquire a salary in civilian employment upon reaching the age limit. Currently it is 55 for women and 60 for men.

To acquire a second pension, you must not only reach the age above, but also have at least 8 years of civilian employment. It is worth remembering that minimum threshold length of service is constantly increasing, which will allow it to increase to 15 by 2024.

Under the bill, the length of service must exceed 25. And such a pension will actually lose relevance. Many, before reaching retirement age, will not have the necessary indicators for sufficient security.

Indexation is not currently provided for in current legal documents. This means that a person will not receive any additional promotions based on his length of service, but will be content only with the benefits specified earlier. The government is in no hurry to support citizens for consistency in employment and for protecting the Motherland.

Of course, this will negatively affect further actions to attract citizens to military service. After all, almost everyone goes for this type of employment, focusing on low age standards and high pension benefits in the future.

Annual inflation will “eat up” several percent in the absence of indexation. But the state reassured us by saying that the security would be increased by payments, regardless of inflation for previous annual periods. Time will tell how it will turn out in practice.

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Bringing into force the draft law on the length of service of military personnel for pensions

The length of service for military personnel for pensions is 25 years, which came into force in 2023. This is the date planned for the implementation of the program to increase seniority. It is worth remembering that the five-year plan was created to introduce innovations and to clarify some of the nuances that a person may encounter when applying for additional pension benefits.

During the first years, it is planned to support the military and gradually introduce an increase in seniority. That is, every year the experience will increase by exactly one year. This will allow you to painlessly go through the implementation procedure and determine how effective this measure is for the country’s economy.

So far, the government is only amending current legislation. The plan has not yet been signed, much less specific dates have been agreed upon when the countdown of this time will begin. For now, the old rules apply for calculation - 20 years to receive a superannuation pension.

Military pensions are always provided properly. But due to the crisis, the government decided to save payments by increasing the length of service for retirement. By this action they provoked resentment on the part of those future retirees who were supposed to leave in the near future. It has not yet been adopted, but many are already afraid of falling under this bill.

In the Russian army, for a long time, a soldier could only receive retirement if he became completely unfit for service - as a result of injury, disability or illness. Only in 1793, by decree of Empress Catherine the Great, was it established emergency service at the age of 25, after which the soldier was expected to retire. Over the next hundred years, the service life gradually decreased: for example, under Nicholas I, after 20 years, a soldier was sent on indefinite leave.

Therefore, starting from the 1830s, new categories of the military class appeared in Russia - the soldier on leave and the retired soldier. This lasted until 1874, when they began to serve for only six years, and after serving in the army, the soldiers returned to their former class - that is, they became artisans and peasants.

Soldiers are a special class

“But throughout the entire 19th century, the military class in Russia was a phenomenon, a special group of the population,” he writes about this in his article “ Family life retired and vacation soldiers in the Russian army in the 18th century” by Yu. V. Shcherbinina. This group began its formation at the beginning of the 18th century; it included regular troops, Cossacks with their families, all soldiers on permanent leave and retirees, as well as their families. By law, a recruit conscripted into the army was exempt from serfdom, and his children born after conscription were not serfs, while children born before conscription remained subject to serfdom. However, the fate of the “free” soldiers’ children was also bleak: young men were obliged to serve in the army just like their fathers, and daughters were given in marriage to soldiers.

This system created many problems, one of which was retired veterans - often they did not have any support, family, children or means of livelihood. This is reflected in Russian folk tales: “A soldier served for twenty-five years, they gave him a blue ticket and he went home. And he had money - three kopecks!”

And after the service they remained soldiers

In the mid-19th century, military personnel made up about 14% of the population of Russian cities and about 7% of villages. The retirees were personally free, but if they wished they could enroll in the tax-paying class, which almost never happened. Sometimes, if they could not work, they were given a pension - 36 rubles a year.

In 1858, there were 478 thousand vacationers and 291,600 retirees in Russia. From 1796 to 1858, 2,034,100 veterans completed military service. The army, in fact, became another way of liberation from serfdom.

However, upon resignation or indefinite leave, the majority of the military remained precisely “soldiers”, without mixing with other classes. Entire “soldier’s” families appeared, which could consist of a retiree, his wife, children, an old retired soldier (for example, his wife’s father), a soldier with a child - for example, the wife of a son or brother. The retirees were in no hurry to return to serfdom; their daughters were married off to similar retirees or, in the most extreme case, to appanage peasants.

Until the 1850s, retirees preferred to settle in the city, where they could take up crafts or become firefighters, doormen, or caretakers. Retirees and their families were not subject to the poll tax, but were almost deprived of social support.

Even if a soldier returned to his native village, he often preferred to live in his own yard, separately from his relatives. But more often the soldiers left for their wives’ homeland.

In gratitude - three rubles

During the reign of Emperor Nicholas I, the government more than once paid attention to social support veterans. Since 1828, soldiers were allowed to leave one of their sons in the family - to provide for the old age of their parents. And when in 1848, vacationers were again called up to serve, their families were given benefits to support their lives, but the tsarist government made a trick by placing this responsibility on the shoulders of the local nobility, which is unlikely to have particularly improved the situation of the families.

In 1867, a special Regulation for retirees approved an allowance of three rubles per month, but only 20 years later all retired soldiers began to receive this “pension”. And in 1876, dismissals on indefinite leave were abolished. All non-conscripts were provided with dismissal tickets and transferred “to the lower reserve ranks.”

Not like us

As you can see, for almost two hundred years in Russia - the entire 17th and 19th centuries - recruitment changed the lives of peasant boys forever. They received freedom from serfdom, but almost never returned to their native village, married the daughters of soldiers, remained in the city, and until the end of the 19th century they were a special class, which you could enter after serving in the army, but from which no one ever left.

It is no wonder that yesterday’s neighbors - serfs and even relatives forever crossed out the recruit from their lives and no longer perceived him as an equal, as relatives. For them, the soldier forever became the “sovereign’s man,” carrying out an unknown service, about which the peasants had a very vague idea. It is not for nothing that in fairy tales about a soldier, the hero’s service most often consisted only of “standing guard.”

Russian fairy tales and songs reflected the “otherness” of the soldier - he is not afraid to die (it is not for nothing that the main saying of the soldier in fairy tales is: “You can’t have two deaths, but you can’t call one!”), he can easily cope with evil spirits, outwitting the devil or the stupid Snake , and is endowed with a special ingenuity that allows him to cook porridge from an ax, return alive from hell and even marry the king’s daughter. However, a similar attitude towards soldiers still exists today - it is not without reason that on February 23, many families remember another saying: “If you didn’t serve, you’re not a man!”

Reading time: 14 min

Military personnel, due to their professional activities, often become pensioners much earlier than ordinary citizens.

A completely young man or woman, having served a certain number of years, which is called length of service, has the right to a pension under special conditions. And their calculation of pensions differs from civil ones. Let's talk about this in more detail.

Dear readers! Each case is individual, so check with our lawyers for more information.Calls are free.

Who is eligible?

According to the law (RF Law No. 4468-1), military personnel have the right to receive in the following cases:

If at the time of dismissal from service the length of service is 20 years or more. This rule also applies to citizens who serve in the Ministry of Internal Affairs, in the penal system, and in the fire service.
If the total length of service is 25 years (and twelve and a half years of them were given to military service), the serviceman’s age is 45 years, and he is dismissed due to the age limit of the awarded rank, organizational measures being taken, or for health reasons. This paragraph also affects the persons noted in the first paragraph.

If at least one of the conditions is met, then the serviceman can count on a pension for long service. And when the opposite happens, then his length of service is counted toward his total, and he retires on the general terms provided for by pension legislation.

When leaving, check to see if you have any unused vacation days - the employer is obliged to compensate them. You can read more in .

How to apply for this type of pension?

Before registration military pension definitely worth considering important point– you need to register with the commissariat that is located in the territory where the serviceman lives.

To do this, you need to prepare a package of documents:

passport with registration;
a military ID card or other identification document indicating that the serviceman served, was discharged, and surrendered his weapons.
private bussiness;
prescription;
token (or personal number);

All available records must be certified by the official, his signature, and seal.

When all the documents have been collected and the fact of retirement has arrived, you will need to write an application for a military pension.

In addition to the above documents, you will also need:

matte photograph 3 x 4 in one copy;
SNILS;
employment history.

Other documents confirming the fact of special conditions of service may be required.

It is important to note that the registration of the pension will begin from the moment the military registration and enlistment office receives military service certificate. After this moment, about three months will pass and the serviceman will receive his first pension.

It is quite possible to apply for this pension at the regular Pension Fund of the Russian Federation at the place of registration. Only here you will still need to provide a certificate of the average monthly salary for the last five years.

The right to savings appears to a participant in the savings mortgage system (NIS) upon reaching twenty years of service. In this case, the time of military service on preferential terms is also taken into account. After twenty years of service, a serviceman has the right to resign for any reason, including due to failure to fulfill the terms of the contract or due to the end of the contract. It should be noted that twenty years of service does not include years of service in the structures of the Ministry of Internal Affairs, the Federal Penitentiary Service and others. Service in these units will be taken into account when calculating the pension, but will not be counted as military service.

After reaching twenty years of service, a military personnel participating in the savings-mortgage system can retire with the right to receive payments. Thus, he will not have to return to the state cash: no CZL, no monthly payments. You need to understand that if an NIS participant purchased an apartment or private house under the Military Mortgage program, then upon dismissal under this article he will not receive additional payments from the state and will have to pay off all debts from his own funds.

Please note that:

The encumbrance in favor of the bank is removed at the moment when the debt under the loan agreement is fully repaid.
The encumbrance in favor of the state will be lifted when the military unit provides information that there are no overpayments on the part of Rosvoenipoteka. To do this, it is necessary to notify Rosvoenipotek about the dismissal of the NIS participant from service within five days.

Features of debt to the bank after dismissal with 20 years of service.

When applying for a military mortgage, the bank calculates payments until the NIS participant reaches the age of 45 years. Often military personnel receive twenty years of service before reaching this age. For officers, twenty years of service usually reaches 37–38 years, and with preferential calculation it begins already at 33 years.

It is important to remember that interest is the first to be paid when repaying a loan. Payments for the principal portion of the debt occur at the end of the period of military service. Therefore, a service member discharged after reaching twenty years of service may be left with a huge amount of debt. In this case, the entire amount will need to be paid from your own funds.

Let’s consider the case if, while participating in the “Military Mortgage”, a serviceman purchased residential premises only under a targeted housing loan agreement or did not purchase housing at all. At the same time, Rosvoenipoteka, after the dismissal of an NIS participant upon reaching twenty years of service, is obliged to transfer all accumulated funds to the serviceman’s bank account. He can use the funds received at his own discretion.

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under what conditions can you resign after 10 years of service?

The right to housing under a military mortgage upon dismissal with 10 years of service

“Military Relocation” constantly draws the attention of all military personnel!

Dismissal with 10 to 20 years of service without serious problems with fulfilling obligations on an apartment or house on the site purchased with a military mortgage is possible only on “preferential” grounds!

Only on a “preferential” basis does a military person have the right to funds!

Unfortunately, many military personnel who have served 10 calendar days of service still think that when they leave, say, at the end of their contract, they receive housing rights from the state, or at least do not have to return the money taken to buy an apartment on a military mortgage, and must close only the mortgage loan.

If the grounds for exclusion from a part are “preferential”, such as: age limit, general mobility, health status, valid family circumstances, the NIS participant has the “right” to savings and to additional payments on a military mortgage.

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Those. what the state has credited to the participant’s account at Rosvoenipoteka or paid for residential premises under the CZLZ agreement does not need to be returned. According to the new procedure, the encumbrance in favor of the Russian Federation is lifted when Rosvoenipoteka receives information from the regulatory authority, sent in part.

In the case of receiving a Military Mortgage, that is, the purchase of an apartment/house on the site under a military mortgage during participation in the system, and dismissal with a length of service of more than 10 calendars, it is on preferential grounds that the former participant can repay the balance of the debt with so-called additional funds (also known as "dopa"). Additional funds are paid based on how many years the serviceman has left until he turns 20 in calendar terms (calculation is made to the month and day). The calculation is based on the savings contribution for a military mortgage on the date of dismissal from military service.

Important! If additional funds are not enough to repay the debt to the bank in full, the outstanding balance falls on the shoulders of the borrower himself, that is, the former NIS participant.

As practice shows, if dismissal occurs after 10 - 12 calendar years of service, the amount of additional payments is enough to fully pay off the creditor and remove the encumbrance (collateral). But after 15 years of service, most likely the additional funds will not be enough to fully pay off the Military Mortgage. This is due to the fact that during the first few years of a military mortgage loan, interest is mostly repaid, and the body of the loan, that is, the principal debt, practically does not decrease. Because of this, as paradoxical as it may sound, the winners are not those who served longer, but those who quit earlier. They will most likely have no military mortgage debt.

Use of additional means upon dismissal

Earlier in the text it was stated “can repay”, let us explain this in more detail. Additional funds do not have a strictly prescribed purpose for their use by law, but it is understood that they will be used specifically to pay off the mortgage, if one is issued.

Again, no one needs to report for the use of the additional funds received. In this regard, some former NIS participants who received “extras” use them for other purposes not related to solving the housing issue. In our opinion, this use of funds is erroneous.

At the same time, former NIS participants repay the balance of the military mortgage loan on their own, monthly, according to the payment schedule. Do not forget that after deleting a state program from the register, the bank can change the lending rate to a “civil” one. The bank's encumbrance (collateral) will be removed only after full payment of the mortgage.

Military mortgage upon dismissal under a non-preferential article and 10 years of service

Upon dismissal with more than 10 years of service under items not related to preferential benefits, the serviceman does not have the “right”, that is, all amounts available or accounted for in a personal savings account in Rosvoenipoteka must be returned to the country’s budget.

If the residential premises have already been purchased, the former participant must return everything that was provided to him under the loan agreement concluded with Rosvoenipoteka. You will have to repay it according to a schedule calculated for 10 years (this is the maximum period), taking into account accrued interest.

It is possible to repay the entire debt to the state with a one-time payment, without prolonging the process of removing the encumbrance (collateral) in favor of the Russian Federation. In addition, the former participant must not forget about the lender for the Military Mortgage - the bank. The debt to the bank will also need to be repaid in full from your own pocket.

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How to receive funds from a personal NIS account after 20 years of service

Expert answer:

According to the current legislation, the right to use savings that were accounted for in a personal savings account appears to a serviceman after reaching the total duration of military service - 20 years or more.

There are also some other grounds that give him the opportunity to receive the funds due before the deadline.

Thus, if an NIS participant resigns for one of the reasons provided by the legislator, then he will be obliged to repay the loan obligations only to the bank. He does not need to repay the funds from the targeted housing loan. Additional funds can be used to pay off loan obligations.

If an NIS participant does not resign on the preferential grounds provided for in Article 10 of Federal Law No. 117, then he is obliged not only to pay the bank, but also to return the full amount of the targeted housing loan to the state.

After the dismissal of a serviceman, the registration authority sends information about this fact to Rosvoenipoteka.

This authorized body then notifies the closure of the account to its owner, who must submit an application and a copy of his passport. After the serviceman applies to the Federal State Unitary Enterprise "Rosvoenipoteka", actions will be taken to remove the encumbrance of the rights of the Russian Federation from the home, as well as operations to register ownership rights will be carried out.

In the future, the military man will have to return the remaining amount of debt to the bank. It should be borne in mind that often credit institutions reserve the right to reconsider relations with the borrower if he resigns. In particular, monthly payments may be increased.

It must be borne in mind that banks usually use the wording “reaching the age limit for military service.” Due to latest changes, affecting the military, they will now serve 5 years longer than before. Thus, all military personnel who have already entered into loan agreements and have a debt repayment schedule will pay the funds as usual.

According to the current legislation, a military man has the right to receive his money accumulated on the NIS if the total duration of his service is 20 years. In this case, a calculation is made, which takes into account, in particular, the funds received from investments accumulated on the NIS.

A.O. Marshals

independent expert on

savings-mortgage system

gosvoenipoteka.ru

all payments upon dismissal due under a military mortgage

In accordance with paragraph 8 of Art. 5 of the law on NIS, savings for military housing are the property of the Russian Federation. Payment of funds accumulated during participation in the state program is carried out by Rosvoenipoteka. Those funds that the participant could accumulate by remaining in service further, up to 20 calendar years, - the body in which the NIS participant served in military service.

When can an NIS participant receive a military mortgage “in cash”

A participant can receive money under the NIS state program “in cash” in a legal way only upon the occurrence of a certain circumstance, as a result of which the “right” to savings arises. This right participant of the NIS state program is prescribed in Article 10 of Federal Law 117 on military mortgages. In accordance with this article, the reason for the emergence of “right” may be: 1) military service of 20 “calendars”, incl. in preferential terms; 2) dismissal with a length of service of 10 “calendars” or more, but only for good reasons: - age limit; - health status - limited fitness; - general education; - family circumstances; 4) state of health - “unfit”, regardless of length of service.

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Achieving 20 “calendars” of service, incl. in the “benefits”, allows the participant of the state program to receive all funds from a personal account in Rosvoenipoteka “in hand”. In this case, the serviceman does not necessarily have to resign, but can continue to serve. And claim funds according to the report and then, for example, every year.

The receipt of money under a military mortgage (savings) is not affected by the presence of any real estate owned by the NIS participant or members of his family.

In addition to savings from an account in Rosvoenipoteka, there is another type of payment in NIS - additional funds, “extras” - funds that supplement savings. Previously, unlike savings, “extras” were not paid to all military personnel participating in the state program, but the situation changed in May 2016 (FZ 118).

When are military personnel entitled to additional payments?

Additional funds are provided to those participants in the state program who, for some valid reason, are forced to resign from the military department. Valid reasons for dismissal when paying “additional benefits” duplicate the same grounds as when paying savings:

age limit;
limited use;
valid family circumstances;

But if savings are paid for the period of participation in the NIS state program, then additional funds are paid for unserved up to 20 “calendars” of the year. Those military personnel who retire with more than 10 “calendars” of service can count on receiving additional funds.

Please note that when calculating additional funds, only calendar service is taken into account, “preferential” service is not taken into account.

Regardless of the length of service, additional funds are provided to NIS participants who are transferred to the reserve, according to the testimony of the medical commission, under the article completely “unfit” for military service, as well as to members of the family of a deceased serviceman.

Payment of additional funds is carried out in the same way as savings, from the state budget, but they are transferred not by Rosvoenipoteka, but by the financial body, on whose pay the part was, at the last place of service of the NIS participant.

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Military mortgage after dismissal, end of contract – Military relocation

The topic of dismissal is one of the most difficult and painful for military personnel.

It has been noticed that military personnel often mistakenly believe that when they retire after 10 years of service, they will only have to repay the loan. In many ways this has worsened misinterpretation provisions of 76-FZ on the status of military personnel in terms of providing housing to military personnel discharged with more than 10 years of service on preferential terms.

Awareness of the full complexity of the situation usually occurs only after dismissal. To prevent this from happening, military personnel should study all the consequences of dismissal before applying for a mortgage.

According to the NIS law, officers and contract soldiers have the right to receive payments:

after 20 years of service in the army (also with preferential calculation);

after 10 years of military service, if there was a dismissal for such preferential reasons as general education, health status, family circumstances and reaching the age limit;

Military mortgage when a military personnel reaches 20 years of service

If a military man retired after 20 years of service and purchased a home using a mortgage loan:

There is no need to return the TsZZ, just like the monthly payments made by the Federal State Institution “Rosvoenipoteka”. The mortgage on real estate in favor of the state can be removed by sending information from the military unit to the Federal State Institution "Rosvoenipoteka";

The serviceman will have to pay off the debt under the state military mortgage program to a banking organization entirely at his own expense. Often, when an NIS participant is excluded from the register, the loan rate changes and a transfer to a “civil mortgage” is made. The mortgage on housing in favor of a banking organization is removed only when the debt under the loan agreement is fully repaid.

If a serviceman retired after 20 years of service and purchased housing using the funds accumulated in his account without taking out a mortgage:

CZHZ funds do not need to be returned. The mortgage on housing in favor of the Russian Federation can be removed by monitoring the sending of the relevant information about the right to savings from the military unit;

the NIS participant can withdraw residual savings if he submits a report to the commander. FGKU "Rosvoenipoteka" transfers according to the details the entire balance of savings, which can be used by the military personnel at their own discretion.

Military mortgage and 10 years (or more) service: dismissal for preferential reasons

If a serviceman purchased housing with a mortgage:

The CLC and monthly payments made by the government do not need to be returned. You can remove the deposit from your home by monitoring the sending of the relevant information from the unit;

the balance of the debt to the creditor will need to be repaid yourself. You can use the so-called for this. DOPs (additional funds). The deposit in favor of the bank can be removed by writing a corresponding application. But the pledge can be removed only when the debt to the bank is repaid in full.

If a serviceman acquired housing without a mortgage, only using the funds accumulated in his account:

There is no need to return the CJZ. The deposit in favor of the Russian Federation can be removed by monitoring the sending of the relevant information from the unit;

Dismissal for preferential reasons, with less than 10 years of service

If the property was purchased with a mortgage:

The CZHZ, including the down payment and payments made by the Federal State Institution "Rosvoenipoteka", must be returned. 10 years are given for this. The deposit on housing can be removed only when a full refund of the funds to the Housing Authority occurs;

The NIS participant repays the balance of the mortgage debt at his own expense.

If housing was purchased without a mortgage, only from accumulated funds:

CZHZ funds should be returned to the budget of the Russian Federation within 10 years.

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Military mortgage after 20 years of service

After a serviceman who is an accomplice in the NIS project has achieved twenty years of military service, including under the preferential calculation system, he has the right to savings under the military mortgage system. The main thing is that the NIS participant does not forget that twenty years are taken into account precisely in armed forces, and not other law enforcement agencies.

Problems getting a mortgage

In case of dismissal from service in the armed forces after reaching the age of twenty years Military service members often cannot figure out on their own what benefits they are entitled to and what benefits they have lost due to ignorance of the law. They often do not know under what circumstances they are entitled to additional payments from the state and under what circumstances they are not. When will the state pay for their military mortgage, and in what cases will they have to pay it themselves, at their own expense. Therefore, it will be very difficult for military personnel to independently understand all the intricacies of these issues without the help of specialists. It will be difficult to figure out which forms need to be filled out and in what cases; a number of other questions may arise.

Services of our organization

In order for a military man to easily purchase real estate under the military mortgage program, he must contact our company. We employ highly qualified specialists who will help solve all problems when applying for a military mortgage, dismissal from service, obtaining living space and completing all the necessary papers. Our company works like this:

Meeting with a military member of the NIS. Consultation is provided on all issues of interest;
Real estate examination. Specialists conduct a professional examination of housing;
Selecting a bank. Specialists will offer cooperation with a bank that has more favorable conditions without unnecessary commissions and payments;
Analysis of documents. A thorough legal analysis of all documents is carried out;
Consultation with specialists. Consultation on all current issues from the very beginning of cooperation until the client receives all real estate papers.

What you need to do to apply for a mortgage

In order for our organization, which provides assistance to military personnel in obtaining a military mortgage, to help a participant in the NIS program obtain housing, you must contact us at the toll-free phone number indicated on the website and our employee will definitely contact you. You can also fill out a form to submit an application for remote loan approval.

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What happens to the military mortgage upon dismissal?

Retiring military personnel usually worry about what will happen to their military mortgage when they leave. Depending on the reason for termination and length of service, the money accumulated in the service member's trust account may remain in his use or be returned.

Dismissal for good reason

Persons who have served more than 10 years and were discharged from the Armed Forces on preferential terms have the right to repay their credit debt with funds in their savings account. The following are considered valid reasons for dismissal:

Carrying out operational and routine activities.
Achieving maximum service life.
Personal circumstance specified in the legislation of the Russian Federation.
Unfitness for military service due to illness, according to the conclusion of the commission.

Organizational and staffing activities include:

reduction of the official position held by the employee;
replacing one staff with another;
recognition of unfitness for the position with a simultaneous reduction in salary;
expiration of the contract;
reduction of overlapping specialties.

If the contract is terminated after 10 years of service, the military mortgage is closed and the accumulated funds are transferred to the loan account. If the money received is not enough to close the mortgage agreement, the borrower repays the debt from his own funds.

Nuance! In the event of the death of an NIS participant who has served 10 years, his relatives receive the right to dispose of the amount in the target account.

In addition to the accumulated funds, employees with 10 years of experience are entitled to additional payments. They are credited once and can be used to purchase a new home or pay off a loan. To receive additional funds, the dismissed person must:

terminate the contract on a preferential basis;
be the owner of a single apartment purchased with a mortgage;
not be a tenant of residential property under a social tenancy agreement.

The amount of payments depends on the length of service, the remaining 20 years of service and the amount of the savings contribution.

Retirement after 20 years of service or more

After reaching 20 years of service, an NIS participant has the right to resign of his own free will or for any other reason, without repaying the targeted housing loan funds. It is believed that the serviceman earned money that the state allocated to him for the purchase of housing. For those who have exceeded 20 years of service after dismissal, following rules:

the serviceman is excluded from the NIS register with the “right” to savings;
no additional payments are due;
if savings are insufficient, the debt to the bank is repaid from one’s own funds;
The encumbrance in favor of the state on the property is removed after final settlement with the bank.

It happens that an NIS participant has not purchased housing or used savings to purchase real estate during its 20-year service life. In this case, Rosvoenipoteka transfers the money to the personal account of the employee, who has the right to spend it at his own discretion, without reporting to the state.

Dismissal due to health reasons

A special commission may declare a military person unfit for service due to illness. Upon dismissal of a military mortgage participant who has not passed the commission, repayment of the targeted housing loan is provided on preferential terms.

For employees who have not used targeted funds or purchased housing and are leaving due to illness, the right to savings is determined by length of service.

The commission may recognize a military person as limitedly fit or unfit for service. The above rules apply to limited-fit military personnel.

Important! An employee has the right to participate in a military mortgage only 3 years after registration with NIS. The maximum age for obtaining a targeted housing loan is 45 years.

Those declared unfit for service are entitled to funds accumulated during the period of participation in the NIS and additional payments, regardless of length of service.

In what cases, upon dismissal, used savings must be returned?

It is necessary to return the spent funds from the target account upon termination of the contract for the following reasons:

personal wishes of the employee;
failure to comply with the terms of the contract;
preferential terms for service life up to 10 years.

A military mortgage upon dismissal due to the end of a contract without a valid reason and with less than 20 years of service also provides for the return of the transferred money to the state in full.

A serviceman who is discharged without the right to savings is required to pay funds aimed at the down payment and monthly payments under the mortgage agreement. In the future, the borrower repays the loan debt independently. After settlement with the bank, the encumbrance on the housing is removed, and it becomes the property of the military man. The funds in the trust account must be returned within 10 years of leaving the Armed Forces.

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