The register of participants in the accumulative mortgage housing system for military personnel (hereinafter referred to as the NIS) is compiled and maintained by the registering bodies of federal executive authorities (federal government bodies) in which military service is provided for by federal law (hereinafter referred to as FEAs and FGOs).

The registering body is a structural unit of an FEA or FGO, appointed or established by a decision of the head of that FEA or FGO.
Upon inclusion in the register, each participant is assigned a registration number (a twenty‑digit number). After making an entry on inclusion in the register, the registration authority of the Federal State Educational Standard (FGF) sends a notification to the serviceman on inclusion in the register (hereinafter referred to as the Notification) indicating the registration number of the participant.

Information from the Notification, including the registration number, is entered into the personal card of the NIS participant, which is drawn up in accordance with the form approved by the Federal Tax Service and attached to the personal file of the serviceman.

If a service member has not received the Notification and their personal record does not contain information about being included in the register of NIS participants, they must contact the registering authority of the federal executive body or federal government agency in which they are serving regarding the issue of being included in the register.

The right of military personnel to participate in the NIS is defined by Article 9 of Federal Law No. 117‑FZ dated August 20, 2004, “On the Accumulative Mortgage Housing System for Military Personnel” (hereinafter referred to as the Federal Law).

A military personnel member is included in the register of NIS participants in accordance with the categories and grounds provided for in Article 9 of the Federal Law.
The Rules for the Inclusion of military personnel in the Register of NIS Participants were approved by Decree of the Government of the Russian Federation
No. 89 dated February 21, 2005 "On Approval of the Rules for the Formation and Maintenance of the Register of Participants in the Accumulative Mortgage Housing System for Military Personnel by the Ministry of Defense of the Russian Federation, federal executive authorities and federal state bodies in which military service is provided for by federal Law."

The procedure for including military personnel in the register of NIS participants is established:
in the Ministry of Defense of the Russian Federation – by Order of the Minister of Defense of the Russian Federation dated September 20, 2020 No. 477 "On Approval of the procedure for implementing the funded mortgage housing system for military personnel in the Armed Forces of the Russian Federation" (paragraphs 8-18 of this order);
In the National Guard – by order of the National Guard dated February 9, 2021, No. 43 “On the Approval of the Procedure for Implementing the Accumulative Mortgage System for Providing Housing for Military Personnel of the National Guard Troops of the Russian Federation” (clauses 16–24 of this order).

In accordance with the legislation on the savings and mortgage system for housing provision for military personnel (hereinafter referred to as the NIS), a participant in the NIS has the right to submit a report requesting the provision of a targeted housing loan (hereinafter referred to as the THL) for the purchase of residential property no later than three years after participating in the NIS.

To obtain a targeted housing loan, a military personnel member submits a report addressed to the commander of the military unit. The responsible official, based on the reports submitted for obtaining a loan, prepares information about the participants of the NIS who have expressed a desire to receive a housing loan for the purpose of purchasing residential premises, and forwards the information about the NIS participants to the federal executive body (federal government agency).

The procedure for preparing this information is established:
in the Ministry of Defense of Russia – by Order No. 477 of the Minister of Defense of the Russian Federation dated September 24, 2020, “On Approval of the Procedure for Implementing the Accumulative Mortgage Housing System for Military Personnel in the Armed Forces of the Russian Federation” (clauses 42–47 of this order);

In the National Guard – by order of the National Guard dated February 9, 2021, No. 43 “On the Approval of the Procedure for Implementing the Accumulative Mortgage System for Providing Housing for Military Personnel of the National Guard of the Russian Federation” (clauses 45–49 of this order).

After receiving a Certificate of the participant's right to receive a targeted housing loan (hereinafter referred to as the Certificate), the serviceman chooses a credit institution (bank) operating under the Military Mortgage program in the region where he is going to purchase housing. The purchase of residential premises by an NIS participant is possible throughout the Russian Federation.

By presenting a Certificate and passport to the bank, the NIS participant finds out what additional documents he needs to collect and submit in order to conclude a mortgage loan agreement in order to purchase housing.

Participants in the accumulative mortgage housing system for military personnel (hereinafter referred to as the NIS) can use maternity (family) capital funds both to pay the down payment and to partially or fully repay a mortgage loan.

Subject to the amendments introduced by Decree of the Government of the Russian Federation No. 627 dated May 25, 2017 to paragraph 91 of the Rules for Granting Targeted Housing Loans to NIS Participants, as well as Repayment of Targeted Housing Loans approved by Decree of the Government of the Russian Federation No. 370 dated May 15, 2008, in the case of using NIS participants to purchase residential premises or an apartment building with in addition to the funds of the targeted housing loan and mortgage loan of the funds of the maternal (family) capital, this residential premises is registered in the common ownership of the serviceman and his family members with the determination of the amount of shares by agreement within 6 months after the removal of encumbrances from the residential premises or an apartment building with a land plot, and if the residential premises to the contract of participation in shared–equity construction - within 6 months after signing the act of transfer to the NIS participant of the shared-equity construction facility and removal of encumbrances from the residential premises.

In accordance with Part 1 of Article 14 of Federal Law No. 117-FZ of August 20, 2004 "On the Accumulative Mortgage Housing System for Military Personnel", a participant in the accumulative mortgage housing system for military personnel (hereinafter referred to as NIS) may use funds recorded in his personal savings account provided to him under a targeted housing loan agreement (hereinafter referred to as CJZ), including for the purchase of residential premises under a shared–equity construction agreement, as well as for paying part of the price of a shared-equity construction agreement using a mortgage loan and repayment of mortgage loan obligations.

To obtain a loan for the purchase of an apartment in a building under construction under a shared construction participation agreement, a participant can contact one of the partner banks of the Federal State Institution “Rosvoenipoteka” that implement the lending program for NIS participants in the primary housing market (hereinafter referred to as partner banks).

According to Part 1 of Article 14 of Federal Law No. 117‑FZ dated August 20, 2004, “On the Accumulative Mortgage System for Housing Provision for Military Personnel” (hereinafter referred to as the Federal Law), a participant in the NIS has the right to purchase a residential house (or part of a residential house) with a land plot using a targeted housing loan (hereinafter referred to as the THL).

The procedure and conditions for the provision of housing and communal services for the purchase of an apartment building or part of an apartment building and a land plot occupied by the acquired apartment building or part of an apartment building and necessary for their use are determined by the Rules approved by Decree of the Government of the Russian Federation dated May 15, 2008 No. 370 (paragraphs 54-71 of the Rules).
The list of banks providing mortgage loans for the purchase of an apartment building and a land plot occupied by an apartment building to be purchased, as well as the terms of lending in these banks, are posted on the website of FGKU Rosvoenipoteka www.rosvoenipoteka.ru in the "Programs" section, the subsections "Credit programs", "Mortgage lending in the secondary market (residential building with a land plot)".

The Federal Law does not provide for the use of CJZ funds for the construction of an apartment building.
If a participant acquires the right to use savings for housing provision, as provided for in Article 10 of the Federal Law, as well as the right to receive funds that supplement savings for housing provision, as provided for in Article 4 of the Federal Law, they may use these funds either for the purpose of purchasing residential premises or for other purposes (including the construction of a residential building).

If a participant in the NIS has not used the housing loan fund to purchase housing, the savings in their individual savings account do not disappear. They can be accessed when the right to use the savings arises under Article 10 of Federal Law No. 117-FZ.

The main cases are:
1. 20 years of total military service, including the application of preferential calculation.
2. Dismissal after 10 or more years of service on certain grounds:
- reaching the maximum age;
- health status — limited fitness for service;
- organizational and staffing measures;
- family circumstances provided for by law.
3. Discharge due to health reasons, with recognition as unfit for military service — also regardless of reaching the age of 20.

How to receive the money
Once the relevant grounds arise, the participant is removed from the NIS register, their individual savings account is closed, and the accumulated funds are paid out to them. The payment procedure is established separately.

An important point: if a service member is simply discharged before they become eligible for the savings, for reasons that do not grant such eligibility, the accumulated funds will not be paid to them — they must be returned to the federal budget.

1. The right to additional funds arises for a participant in the NIS who is discharged with a total duration of military service of 10 to 20 years on grounds provided for by law. This is essentially compensation for the savings that the servicemember could have received if they had served for 20 years.
2. Before being removed from the personnel lists, the servicemember submits a report at their last place of service requesting payment of additional funds. The report specifies the recipient and bank details.
3. The amount is calculated based on the annual accumulative contribution and the amount of time the service member has not served up to 20 years.
4. The authorized body reviews the documents and makes a decision on whether to pay or to refuse.
5. After a positive decision is made, the funds are transferred via bank transfer. They can be used:
- to repay the debt to the authorized body;
- to repay a mortgage loan;
- directly to the account of the NIS participant.
6. The payment period is up to 3 months from the date the relevant report and necessary documents are received.

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