But state housing stock rt. Sotsipoteka under the President of the RT - personal account
To save up to an apartment of 60 square meters, an average Tatarstan family of two adults and a child will need 6.9 years. At the same time, it is necessary to get the average salary in the region, to survive exclusively at the cost of living, and to tamp the rest into housing. Tatarstan on this indicator ranks 67th from 84 regions of Russia, follows from the data of RIA Rating agency.
It is not surprising that for many residents of the republic, a way out (if not the only opportunity) to get your own apartment is a mortgage. But then the banks found a “gold mine” - 10-20%, or even more, can be overpayed on a commercial loan for housing. For those segments of the population who cannot afford to pull such conditions, in Tatarstan they created a social library - an option of lending with more benign conditions.
In 2019, the investment program of the State Housing Fund of the Republic of Tajikistan involves the construction of 165 houses in the republic for 7.8 thousand apartments with a total area of \u200b\u200b438.3 thousand square meters. meters.
In Chelny, under the social mortgage program, houses are being built in the 63rd microdistrict. According to the construction sketch, it is planned to build 17 houses for 3.5 thousand apartments here. Now three houses for 722 apartments have been commissioned, two more are being prepared for settlement - 63/12 and 63/01.
Near the almost completed house, 63/12 journalists were met by the Deputy Executive Director of the State Housing Fund of the Republic of Tatarstan Vladimir Nikiforoin and CEO of Domkor Munir Gaynullov. Because of the frost, the speakers wanted to cover only a few questions regarding plans for future construction, and to continue the conversation in one of the apartments preparing for delivery. But the journalists were busy, so most of the planned press conference was held on the street.
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Favorable social mortgage situation in Tatarstan. The plan is being implemented, 430 thousand square meters. meters of housing will be rented this year. I’ll say more, now new programs are being developed - “Young Family”, a repeated social library. We will continue building, we will not slow down the pace. Everything goes on as usual, - Nikiforov noted.
Gainullov said that Domkor this year turned to the State Housing Fund with a request to increase the cost of a square meter of social housing.
We were laid out to the screw, to the screw, it took a long time to prove the price, the cost of components. Everything has been double-checked. They set a marginal price of 35 thousand rubles for us, ”he said.
Apartments in the 63rd microdistrict (those that will be commissioned in 2020) will be sold at a new price - 36.7 thousand rubles per “square”.
What happened on the market? Over the past year, the price increased by 15-17%. This year will be about the same. According to our forecasts, the range for two years of increasing the price of commercial housing will be from 28 to 35%. And the price of the social mortgage did not change. The social orientation of the project is important. Today, the price per square meter for commercial housing is 55 thousand rubles. The social price is still a very good price. Almost 20 thousand rubles is the difference, the developer said.
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Prices will rise, can upset you. But still they will be significantly lower than market ones. You understand that energy resources are becoming more expensive, construction materials are becoming more expensive, people also need to increase their salaries, ”the representative of the State Housing Fund said.
Journalists did not pass by and problematic issues. Residents of the co-mortgage house 63/13, commissioned at the end of 2018, complained that in practice. According to KazanFirst, the reason was the "division" of heat networks (which in the housing estate GZhF built at its own expense) between the State Housing Fund and Tatenergo. Given the novelty of the networks, the depreciation returned through the tariff can be quite substantial. Therefore, the State Housing Fund back in the days of leadership Talgata Abdullina began to collect networks in one company - RSK.
The townspeople, of course, are worried about the other side of the question - is it possible that similar situations will be repeated in all co-mortgage houses.
This situation will not happen again. This issue was related to technical design, documentation and heating networks. The contractor did not have time to draw up the documentation in time, hand it over to Rostekhnadzor, and present certain certificates. Therefore, heating networks did not give a command to turn on. A large amount of network construction was completed in a short time, ”Nikiforov briefly answered.
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Another hot question is “deceived equity holders”. They don’t have a direct connection with the social network, but Domkor, which was completing one of the “frozen” facilities, proposed a scheme in which the citizens who were left without apartments would receive housing in one of the new houses of the company. Almost a year has passed since then, the Chelny residents are worried - have they been deceived once again?
We work it all out. We have been holding apartments for them for more than a year. The procedure, which was, suggested completion. This time, having agreed with the Cabinet, we went a little different way. A roadmap has been drawn up; the process will take several more months. Everything is ready with us, the only thing is the paperwork: the order of transfer of finished housing, the order of distribution. All lists are approved, everything is approved, a land plot has been determined, which is allocated to us under this program. Unfortunately, we are pioneers in this version, when finished housing is transferred immediately, and not completed, ”Gainullov explained.
The speaker also promised that the interest holders will have to wait at least a few more months: the apartments are ready, guarded and heated, but it takes a little more time to resolve “procedural issues”.
Owning real estate today is still a dream for many. The President of the Republic of Tatarstan has developed a special program that allows local residents to get apartments in a mortgage on favorable terms.
The program has been introduced since 2005. The acquisition of real estate through it takes place with the direct support of the state. Control over the process of obtaining housing is carried out by the Housing Fund of the Republic.
Purpose of the Housing Fund under the President of the Republic of Tatarstan
The State Housing Fund is an off-budget organization under the President. The main tasks of the department:
- Monitoring the implementation of all implemented federal programs in the territory of Tatarstan;
- Search and implementation of new ways of financing projects not from the budgets of the Russian Federation and Tatarstan;
- Acting as an investor in the construction of new housing, adjoining territories, infrastructure;
- Accumulation of funds received from debtors for the purchase of real estate for a social project.
Important: You can find out more about the economic indicators of the Housing Fund on its website without entering the personal page - gilfondrt.ru.
Conditions for participating in the social mortgage program
Obtaining a social mortgage from the state implies certain conditions. They are:
- The high demand of the program participant in their own housing in order to improve these conditions. According to the decree, one person in a family should have at least 18 m².
- Favorable interest rate. The borrower is offered to take a mortgage at only 7% per annum. It .
- The loan repayment period can reach 28 years.
- If a childless young couple took a real estate loan and a baby was born in the payment process, the state offers one-time assistance in the amount of 200,000 rubles to pay off part of the debt.
- It is possible not to make a down payment due to objective good reasons.
Important: To take part in the program, the participant must write an application and submit it to the local administration. The document is considered three days. After that, a potential participant in mortgage lending has the right to register and receive his home in a mortgage.
How to get a social library under the president of RT?
After reviewing the application, proceed as follows:
- Conclude an agreement with the Housing Fund for the Social Security Fund.
- Create a page on the fund’s website and fill out an application for real estate. The list of apartments participating in the program is also indicated here.
- Put your savings into a new apartment on the Housing Fund account. In the future, they will play the role of a rating for a participant in a social program.
As a result, the winner is the one who has the highest number of points (investments), and the requirements meet the stated ones.
Features of cash payments
Payments on the social network are made both standardly and taking into account some features. For example, repaying a debt is permissible both in money and in-house products if the borrower is an entrepreneur, a farmer, etc. In addition, you can pay the amount for the apartment with your own labor.
Not fully redeemed real estate is allowed to be leased, which improves the chances of the debtor to quickly repay the entire loan amount.
Tip: Today the law on. It is worth using this to reimburse part of the funds spent on the purchase of housing.
Presidential Social Mortgage - personal page
To become a full-fledged participant in the program, you need to register on the Housing Fund website (mail.gilfondrt.ru) and create your own page. To do this, you must enter your personal data.
A ready-made profile allows you to track the movement of the line of applicants for real estate, all payments made, as well as all cash receipts to the account from the state in the form of a subsidy. When registering on the foundation’s website, a program participant receives a personal code to enter his account (mail.gilfondrt.ru/private). A citizen is also provided with a personal login and password.
After the real estate is received, it is in his office that a citizen can track the schedule of payments, the balance of the loan debt and other detailed information.
Important: only those persons who have received permission to participate in the social program under the President of the Republic of Tajikistan can register on the site.
To summarize
So, it becomes clear that a similar co-mortgage program from the President of Tatarstan allows young families to acquire their own housing without causing particular damage to the family budget. Everyone who has a personal page and their account on the ZhF website have the right to respond to his offer and get their own cozy nest.
As a result, a minimum of time and effort spent plus loyal requirements for the program from the state. Under such conditions, the purchase of their own apartment becomes possible even for a poor family. By the way, you can try to spend.
The company NON-PROFIT ORGANIZATION "STATE HOUSING FUND UNDER THE PRESIDENT OF THE REPUBLIC OF TATARSTAN" 1655065113 was registered at 420015, TATARSTAN REPUBLIC, KAZAN CITY, GORKY STREET, 8/9. According to registration documents, the main activity is Management of real estate on a fee or contract basis. The company was registered March 29, 2005. The company has been assigned the All-Russian State Registration Number: 1051622037400. The head is EXECUTIVE DIRECTOR ZARIPOV MARAT RIVGATOVICH. To obtain more detailed information, you need to go to the company card and check the counterparty for reliability.
The company GZHF UNDER THE PRESIDENT OF RT March 29, 2005 was registered with the Interdistrict Inspectorate of the Federal Tax Service No. 18 in the Republic of Tatarstan. The procedure of registration with the State Institution - the Office of the Pension Fund of the Russian Federation in the Vakhitovsky district of Kazan, the Republic of Tatarstan was carried out on 12.01.2010. Also, Branch No. 1 of the State institution - the regional branch of the Social Insurance Fund of the Russian Federation for the Republic of Tatarstan, registered the company on 12.05.2005 00:00:00. The last entry in the Unified State Register of Legal Entities registry that contains about this organization: Submission by the licensing authority of information on license revocation.
Providing housing for certain segments of the population is a priority task not only of the state as a whole, but also of regional authorities. For example, in the Republic of Tatarstan since 2004, a draft law on social mortgage, developed at the local level, has been successfully operating, which differs from national programs and allows you to purchase housing on favorable terms. The program is personally monitored by the President and the State Housing Fund (GF) of the Republic of Tatarstan.
We will tell you how the program functions, who can become a member and what is needed for this.
The social mortgage under the President of the Republic of Tajikistan is oriented towards a certain contingent, namely:
- Public sector employees - doctors, teachers, law enforcement officers.
- Families with less than 18 square meters per person m. that is, the available housing does not meet the standards of comfortable living or the existing housing is recognized as emergency and unsuitable for living.
- Families raising children with disabilities.
- Employees of enterprises that are actively involved in the work of the social mortgage program.
There are a number of conditions that must be met:
- The family has a monthly income not lower than the living wage and will be able to pay mortgage fees.
- Applicants must live in the territory of Tatarstan for a certain time and work here for at least 10 years.
The essence of the social mortgage program under the President of the Republic of Tatarstan is that an agreement is signed between the person and the State Housing Fund, according to which the first undertakes to pay the contributions that form the savings for the new apartment every month. Subsequently, with these contributions it will be possible to pay part of the cost of new housing, and to fill out the missing amount in the form of a mortgage.
The maximum term for which a loan can be granted is 28.5 years. For the entire loan term, a fixed interest rate of 7% per annum is set, which is extremely beneficial for borrowers.
A prerequisite is the presence of a down payment of 10-30%. It can be formed:
- Due to the accumulated savings during the participation in the program.
- With the help of maternity capital.
- By obtaining a state subsidy for young families, the amount of which in some cases can reach 40% of the value of the acquired property.
- At the expense of own funds.
From the explanations given by the State Housing Fund, it can be concluded that the initial contribution may also be the property owned, but only subject to certain conditions. In this case, between the Housing Estate Fund and the owner enters into a special agreement under which the family can live in this apartment until they receive new housing.
According to the terms of the program, if a mortgage is issued by a family in which there are no children, but a child is born during the term of the loan agreement, the spouses can expect to receive financial assistance in the amount of 200,000 rubles. These funds will need to be sent to repay the loan.
A feature of the program can be called the fact that participants can pay monthly payments both in cash and pay with labor, as well as goods of their own production in the household.
How to arrange
The first thing you need to do to participate in the social mortgage program is to contact the local authorities with a statement and get the status of those in need of better housing conditions. The staff working there can also give detailed advice on the conditions of the program, make preliminary calculations, suggest the best design option. For employees of enterprises participating in the financing of the program, it is possible to submit an application through the head.
Next, you will need to collect the documents necessary for considering the application and wait for the final decision on whether it is possible to provide a social mortgage. A period of 1 month is allocated for this. If you receive a positive response, it remains to sign a social mortgage agreement and begin to make monthly contributions to the State Housing Fund, the amount of which will depend on family income.
- You need to wait in line for one or more proposals for the purchase of housing in a mortgage from the State Housing Fund.
- Take part in the competition, which takes place on the principle of a rating auction.
To participate in the contest, you will need to register on the website of the State Housing Fund and get access to your personal account, from the page of which applications for participation in the contest are sent. At the same time, the higher the rating of the participant, the more likely he is to become its winner. The rating is formed on the basis of the savings already made during the time of participation in the program and the length of stay in it.
There is a third option, when state assistance in the purchase of housing is provided urgently as a matter of urgency. Each such application is considered individually and as soon as possible.
List of required documents
To apply for a social mortgage in the Republic of Tajikistan, you need to provide the following package of documents;
- Passports of family members.
- TIN and SNILS.
- Birth certificate of children (if any).
- Marriage certificate (if any).
- For men, a military ID.
- Documents on obtaining education.
- A copy of the work book and a certificate of income.
- Documents for housing in which the family lives.
You also need to fill out an application form. Depending on the situation, additional documents are requested in individual cases.
Where are the apartments
Social mortgage in Tatarstan implies certain restrictions on where you can buy an apartment. This cannot be any apartment building chosen by the borrower, but only those houses and residential complexes that are being built specifically for the implementation of this program.
Such real estate is not being built in all settlements. Most of such housing is being built in Kazan, as well as in Naberezhnye Chelny. It appears in small cities of the republic, but there the choice of offers is often limited. It should be understood that the cost per square meter differs depending on where the future home is being built. Based on this, the size of the loan and the rating points required for registration of real estate in a mortgage will change.
Underwater rocks
Each state program is not devoid of nuances that at first do not attract attention, but in fact become the cause of difficulties in the future.
For example, when purchasing housing on a social mortgage in Tatarstan, the borrower agrees not to change his place of work for 10 years, and also not to stop working. If you violate this requirement, you will have to pay the rest of the debt at a double interest rate. There is an option to terminate relations with the employer without receiving a fine. For this, it is necessary that the employee leave in coordination with the management.
Also, when purchasing housing under this program, a person will no longer be able to take part in other social projects aimed at helping those in need in their own home. That is, you can buy housing on a social mortgage only once.
It is worth saying that there are standards for the size of housing that can be purchased under the social mortgage program. They make up:
- For a family of one person - 33 sq.m.
- Of two people - 42 sq.m.
- Out of three people - 18 sq.m. for each.
Another significant point is that until the borrower pays the cost of housing purchased in a mortgage, he will use the living space under a social contract of employment, as well as pay rent for it (payment is made at state prices that are minimal). It will be possible to register the property only after full repayment of the debt.
According to the original version of the bill, the social mortgage program in Tatarstan is designed for a period up to 2020. So far, there has been no reliable information on the extension of the program for the next years. I would like to hope that even if it is curtailed, new measures will be developed by the regional authorities to provide housing for those in need. You can find out about this from the news.