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Borrower's personal account Vtb aizhk personal account

House of the Russian Federation (until March 2018 - AHML JSC) is a company that provides services to the population mortgage lending and rental housing, conducts land auctions. In the personal account of the House of the Russian Federation on the official website of the organization, the co-borrowers and borrowers of the Agency can remotely receive information on mortgage agreements and perform various operations.

Registration in your personal account

Registration in the system is available to all borrowers and co-borrowers for mortgage loans issued by the House of the Russian Federation. To create an account, you will need to perform a number of steps:

  • open the login page Personal Area;
  • click on the "Register" button under the authorization form;
  • familiarize yourself with the offer and accept its terms;
  • fill out the registration form, which indicates the name and date of birth of the borrower / co-borrower, mortgage number and cell phone. You can find out the mortgage number by free phone hotline House of the Russian Federation 8-800-505-11-11;
  • click the "Send" button.

Login and password for authorization in your personal account will be sent to the specified phone number in SMS. When you first log into your account, the system will ask you to change the password to a unique one to meet security requirements. You will also need to specify SNILS.

Login to your personal account House of the Russian Federation

To go to the authorization page from the dom.rf website, click on the "Enter your personal account" button at the top right of the page or use the link https://lkz.ahml.ru/borrower from our Internet directory. Enter your username and password and click on the "Login" button. In order not to go through authorization every time you access the system, check the "Remember me" box.

Under the authorization form, there is a link to the service for recovering a forgotten / lost password. To receive a new password, you will need to enter the phone number and email address associated with your account. You can also recover your password by calling the hotline or contacting your personal escort agent.

Possibilities

AHML's personal account, now the House of the Russian Federation, allows clients to:

  1. Have access to the concluded loan and insurance contracts and detailed information about the issued loans and insurance products.
  2. Receive information about the account balance, dates and amounts of upcoming mortgage and insurance payments. Please note that funds are credited to your account within 4 business days from the date of payment.
  3. See the schedule of planned mortgage payments.
  4. View the history of home loan repayment and insurance payments.
  5. Find out the details and generate receipts for making scheduled credit and insurance payments.
  6. Apply for early repayment of your mortgage.
  7. Recalculate the payment schedule provided early repayment debt.
  8. Order certificates for the Pension Fund of the Russian Federation and tax authorities.
  9. Communicate with representatives of the House of the Russian Federation through the system of private messages.
  10. Set up a profile, including changing the password for accessing your account.

Some of the services of the official site do not require registration and entry into the personal account of the House of the Russian Federation. This is getting information about mortgage lending programs (including preferential ones), using a mortgage calculator, applying for loan products.

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

Borrower Opportunities

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

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

The creators of the service strongly draw the attention of users to compliance with safety rules. In order not to face unauthorized access to your personal account, you must not disclose your password and login to third parties. The password text should not contain publicly available data (dates of birth, names, addresses, phone numbers). If you lose the phone, the number of which 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 home page of the official portal "Dom.rf" go to the "Mortgage" section, and then go to the "Credit service". By choosing the option "Personal account of the borrower", the user is directed to the registration page, where you can see a special guide on how to use the system. After entering your personal account (green button on the right), registration starts:

For the second login and all subsequent ones, the same login and new password are entered, which cannot be communicated to strangers. For a secure connection, it is recommended to enter the service only from your own computer (phone), use the browser versions recommended in the manual. The relevance of the data is written in the upper right corner of the cabinet page. As a rule, information is delayed by two days.

Submission of requests, applications for early loan repayment

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

After sending the request, the entry “Payment schedule calculated” should appear in the “Applications” section. Be sure to confirm by clicking "Accepted" so that the application is not canceled. A request for information for government agencies also starts from the credit page. The form is filled out 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 "Attached files" field. Information for the Pension Fund is also requested.

Formation of receipts and tracking payments

To print the receipt, on the credit page, select the option "Making a planned payment". In the form that opens, enter personal data and indicate the bank in which the 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 a 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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In order not to waste all the time visiting customer support offices, mortgage holders from VTB Bank are invited to use such a convenient online service as the borrower's personal account AHML. It is designed to facilitate the execution of loan procedures. Customers can, while at home, check the timing of payments, make recalculations, order certificates, etc.

In order to use the privileges of a program participant, the user should go through a simple registration. And if you need an Internet connection, you can apply on the Tele2 website by clicking on the link to your personal account - you can learn more about the service.

What is the borrower's personal account from AHML?

This is the function remote service clients who have taken out a mortgage at VTB Bank, whose mortgage securities are accompanied by OJSC Agency for Housing Mortgage Lending.

Borrower's office

Mortgages are a profitable solution to the housing issue for many Russians. Someone wants to move away from adult children, others are trying to improve their living conditions. Borrowed funds expand the boundaries of such opportunities.

But mortgage loans are not issued for a month or six months. It is long term credit relations... To make it convenient for the borrower to make payments, keep track of maturities or perform other actions related to the loan, a personal account was created.

Only borrowers under loan agreements, the mortgages of which are owned by AHML, can register in it. Find out the mortgage number securities for registration, you can call the service hotline.

What operations can be performed in your personal account?

Each registered user who has access to the personal account of the AHML borrower can perform the following actions:


 Access to the cabinet
  • create and send applications for early coverage of the loan (in part or in full);
  • monitor your debt online;
  • check the balance of the amount on the body of the loan and accrued interest;
  • check the maturity date of the next payment;
  • see the change in the interest rate on the loan (if such is provided by the agreement);
  • form a request for the issuance of a particular certificate;
  • generate and print a schedule of planned payments, payment history;
  • check information about insurance premiums under the contract;
  • ask questions and receive prompt answers.

How do I register for the online service?

The official resource for registration is https://lkz.ahml.ru/borrower. By clicking on the link, the user is taken to the main page, on the left of which there are fields for the entry of already registered participants. Below there is a button "Register".


 Personal Area

The first thing that needs to be done is to familiarize yourself with the terms of the offer. This is a proposal for the terms of the transaction, which apply only to borrowers serviced by AHML OJSC. Here are the definitions of terms and the rights of the borrower regarding the use of the service. You must confirm your consent by putting a symbol in the field. Only after that will the bottom of the page with registration fields (name, date of birth, mortgage paper number and phone number) open.


 Data input

If all the fields are filled in correctly, a message with a login and a password code will be sent to the phone. If for some reason registration is not possible, you will have to contact the customer support manager.

How to use your personal account?

Login is carried out using the data specified in the SMS message.


 Login by login and password

For maximum security and confidentiality, the first time a user logs in, it is better to change the password to his own.

The personal account interface consists of five main sections:

Sections
  • credit - information about payments under the loan agreement and about the balance of funds on the account;
  • insurance - the amount and timing of contributions under an insurance agreement;
  • appeals - inquiries, user statements;
  • messages - incoming and outgoing letters;
  • profile - personal data, subscriptions, settings.

All functions of the sections are usually self-explanatory. Each section has its own tab. Some sections deserve attention, in which several possibilities are provided.

In the "Credits" section, the user can:

This is the most requested section. Most of the important and useful tools are located here. Another section that the user should get acquainted with is "Profile". In this part of the office you can:

  • change the password (which is recommended at the first visit);
  • change and supplement personal information and contact information (for example, if a phone number or e-mail number has changed or appeared);
  • manage the subscription (you can choose the notifications that the user wishes to receive to his email address or via SMS).

 All cabinet functions

How to arrange early loan repayment correctly?

If it is possible to repay the loan ahead of schedule, this can be done on the page of your personal account. You need to select the "Loans" tab and click the "Early repayment" button. Further steps differ, depending on what type of early repayment is needed: full or partial.

In case of partial repayment, the AHML user can increase the amount of the planned payment, thereby shortening the loan term. To issue a partial early repayment, the user must:

  • specify the date and amount to be debited;
  • choose a way to change the loan (shorten the term or reduce the amount of the monthly payment).

In case of full early repayment, you will need:

  • select the type of the same name from the list;
  • indicate the date of debiting.

After entering all the data, they need to be sent to the operator. If the form is filled out correctly, the application will receive the status "accepted". After the status changes to "Payment schedule calculated", the client must confirm it. This must be done before the planned payment date, otherwise the application will be canceled. It is required to select an application for repayment, open it, familiarize yourself with the new payment schedule and activate the "Accept" button.

What if you have questions?

The AHML website has a telephone that works around the clock. Calls to it all over Russia are free. If you have any questions about entering or using your personal account, AHML borrowers can get expert advice or assistance from experienced service employees.

In order to restore access to the service in case of a lost password, the user must go to the main page and select the link "Forgot your password?" A form will open in which you need to specify a login or email to restore account data.


 Restore password

If the phone is lost, which is linked to the "personal account" service, the user should immediately block it and change the data on his profile page.

All password data must be stored in safe places and not passed on to third parties. Only knowing the login, mortgage number or changed password, a person can enter the personal account of the AHML borrower.

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

Management

user

Borrower's personal account

Version 1.0

Introduction 3

What is a Personal Account, and what is it for 3

Registration process in the System 4

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

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

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What is the Borrower's Personal Account, and what is it for? The Borrower's Personal Account (hereinafter referred to as the "System") is a service provided by individuals who are borrowers (or co-borrowers) under loan agreements, the pledgee of which is the 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).



With the help of this service, you can familiarize yourself with up-to-date information about your loan agreement, payment schedule and account status;

if necessary, you can remotely submit an application 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 bond);

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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 data validity is indicated in the upper right corner of each page of the Personal Account.

Login to the System

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If this is your first login to the System, you will be taken to the page. If you have logged in to the System not for the first time, you will immediately get to change the password, on which you will need to change it to the "Credits" page.

the password you received in the form of SMS. To do this, in the field Re-change the password, 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 "New password" and "New password ( confirmation) "-" Profile ").

the value you want to replace the password with. Also, if you wish, on this page you can choose Security Question and the answer to it (this information may be useful to you in the future when contacting 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 your username or password

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 username (if you know it), or the email address registered in the system, and then click on the "Restore" button.

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

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How do I check my account balance?

Information about the balance of funds on your account is posted on the "Loans" page.

As a rule, an interbank transfer takes from one to three business days, therefore, 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 can I view detailed information on a loan?

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

Mortgage number

Number loan agreement

Date of conclusion of the loan agreement

Mortgage product type

Credit amount

Loan maturity

Interest rate on the date of issue

The current interest rate...

Full cost of the loan

Remaining principal

The size of the next planned payment

Date of the next planned payment

Overdue debt amount

Escort agent

Mortgage Owner Loans (Main Page) How do I view or print the budget billing schedule?

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

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 the payment schedule adapted for printing and the standard "Print" dialog box, where you can select a printer and other print parameters.

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 do I view or print my repayment history?

To view the repayment history, you need to go to the "Loans" page on the "Repayment history" link.

The repayment history contains a list of debits made from your account, not a list of payments actually made. Scheduled payments are written off on the last day of the month (or on the next working 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 with the budget billing schedule, you can print or filter the repayment history 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 "Loans" page.

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

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

To do this, on the "Credits" page, click on the "Making 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 name and address of the payer, select a bank from the list

- the beneficiary 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 overdue debt, if any, is set).

will automatically generate a receipt in pdf format.

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

Since an interbank transfer can take up to three business days, payment must be made in advance to avoid delays.

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

The date of payment is the date when funds were debited from the Agency's account, not the date of payment.

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

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STEP 2 After you have completed all the actions described in STEP 1, your application will take 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".

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

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

In the opened application card, 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, you just have to print the receipt and pay it at the nearest branch of the bank.

To generate a receipt in the application card, you must fill in the fields "Full name of the payer", "Address of the payer", select the recipient bank from the list and click on the "Print" link.

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Credits (main page) STEP 2 After you complete all the actions 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 page "Appeals".

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How to view information about an 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 page "Insurance contracts", which contains brief information about contracts, as well as the date and amount of the next insurance premium.

Information about insurance contracts is updated by the Escort Agent in accordance with 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 Escort Agent.

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How do I view the premium schedule?

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

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 help in Pension Fund RF (RPF)?

To order a certificate from the FIU, you need to click on the link "Help to the FIU" on the "Loans" page. After that, a form for filling 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 page "Appeals".

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

To order a certificate in the IFTS, you need to click on the link "Help in the IFTS" on the "Loans" page. After that, a form for filling out will be presented on your screen.

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

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

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

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

Obtaining certificates The "Reporting period" field assumes the choice of the period for which you need data.

In the "Note" field you can specify any additional information.

The "Attached files" field is intended for attaching scanned copies of documents related to your request.

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

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

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

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

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

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D find information about a targeted appeal?

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

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

If the appeal is in the “Accepted” status, it can be canceled by clicking on the “Revoke” button.

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How do I view my private messages?

You can find the messages addressed to you on the “Messages” page. As with hits, 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 password for entering the System?

In order to change the password for entering 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 you entered when you last logged into the System);

New Password;

New password (confirmation) (serves to eliminate typos when entering a new password)

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How do I change my contact information?

If you have changed your mobile phone number or e-mail address, you need to indicate new contact information in the System. With up-to-date contact information, you will be able to receive timely notifications.

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How do I set up an alert subscription?

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

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

Changing profile data;

Changing the status of the appeal;

Receiving a new personal message.

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How to find out the date of data validity?

Due to the peculiarities of work accounting system Agencies update the data in the Personal Account once a day. You can see the date of data validity on any of the pages in the upper right corner of the screen.

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

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

I regularly deposit more funds into my account than I need to pay the loan and there must be an overpayment. Why is 0 displayed on the account?

Most likely, you have an open bank account through which you pay for a loan, and a long-term order has been issued to transfer funds to the Agency in a certain amount on a monthly basis. If this is the case, then the funds you pay are in 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, therefore you cannot see it in the personal account. To use the overpayment, you need to contact the bank.

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

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

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

At the moment, there is no service in the Personal Account that allows you to pay a loan online via the Internet. However, if the bank whose card you own has an Internet bank that allows you to perform such operations, you can use your Bank's service using the Agency's details specified in your Personal Account.

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

Unlike monthly payment schedules, premium schedules are not automatically recalculated. In order to change the schedule of insurance premiums, you need to contact insurance company with a new schedule of monthly payments. The insurance company will conclude with you an additional agreement to the insurance contract, which you will need to provide to your escort agent. Only after making additional. agreement into 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 double-check the correctness of the entered data. 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 support service of your Personal Account (8-800-505-11-11, around the clock).

How to change Login?

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

How to change personal data: Residence address, Registration address, Correspondence address?

In order to change the address data in your Personal Account, you must send a written request to the support service of your Personal Account with up-to-date information on the addresses, attaching a scanned copy of the pages of your passport with the data of 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 on the change of surname?

Change of surname does not entail the need to amend the documents of the loan, and, accordingly, in Information Systems Agencies.

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

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

How to change the contact information (phone number) of the co-borrower in the personal account?

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

Is the service provided by SMS notifications of enrollment Money/ reminders of an upcoming payment?

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

At the moment, the lag 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 time 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 to recalculate the schedule of insurance premiums. As a rule, insurance companies accept the payment schedule generated from the personal account of the borrower for calculation. Please contact your insurance company representative.

Is it necessary to pay the next insurance premium if you plan to fully repay the mortgage soon?

Unilateral refusal to fulfill 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 borrowed funds. In case of full early repayment of the loan, you can contact the insurance company to return you part of the insurance premium, in proportion to the unused prepaid insurance period.

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Where can I pay a loan with a minimum commission?

Banks set transfer fees in accordance with their own tariff policy accepted in each specific bank. You can choose for yourself 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 credit payments by bank 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 BIK from the AHML Personal Account. On the next page, Sberbank Online will show a message that "By the specified details found several recipients ... ". Select the link" pay by bank details. "Also copy the payee from the AHML's personal account. The purpose of the payment must indicate:" loan payment by mortgage number ... "When will the payment be credited?

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

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

At the moment, we continue to accept payments received through Bank Vozrozhdenie (JSC). 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 should be indicated in the purpose of payment when paying the loan?

In the purpose of payment, it is necessary to indicate the number of your mortgage. Recommended text: "Repayment of obligations under the mortgage bond No. ...".

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Why are payment schedules opened from the "CREDITS" tab and from the "APPLICATIONS" tab (partial early repayment) not the same?

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

What is the minimum amount of partial early loan repayment?

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

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

Was the payment received on time but was not debited?

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

Why are loan payments being debited 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 Agency's account, the date of its debiting always falls on the last day of the month, and if it is a day off or a holiday, then on the next working day.

I have applied for a 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 are the sanctions for non-fulfillment of an early repayment application?

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

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

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