About concessional lending. On some issues of providing citizens with state support for the construction (reconstruction) or purchase of residential premises Chronology of lunar days
♊ Gemini
13 lunar day
Sunrise 2:41 PM
Sunset 7:23 AM
Waxing Crescent
Visibility: 91%
Latitude: 55.75, Longitude: 37.62 Time zone: Europe / Moscow (UTC + 04: 00) Calculation of the moon phase on 1.01.2012 (12:00) To calculate the phase of the moon for your city, register or log in.
Moon characteristics on January 6, 2012
On the date 06.01.2012 v 12:00 The moon is in phase "Waxing Crescent"... it 13 lunar day in the lunar calendar. Moon in the zodiac sign Gemini ♊. Illumination percentage The moon is 91%. Sunrise Moon at 14:41, and sunset at 07:23.
Chronology of lunar days
- 13 lunar day from 14:00 01/05/2012 to 14:41 01/06/2012
- 14 lunar day from 14:41 06.01.2012 until the next day
The influence of the moon January 6, 2012
Moon in the zodiac sign Gemini (+)
Moon in a sign Twins... Time for fast and energetic things. Due to the increased impulsivity, it is worth tackling issues and problems that do not require special concentration of attention and time-consuming issues. Increased intellectual activity has a beneficial effect on matters that require instant decision making or related to the acquisition of information.
You can do any financial transactions or transactions with securities(especially short-term). You can play on the currency exchange. A favorable time for the defense of diplomas, dissertations or collecting information for their writing.
The constant desire to switch to another occupation does not contribute to painstaking work that requires the mobilization of all attention, so all long-term projects, on the solution of which it is necessary to spend more than one day, should be put in the drawer until the onset of a favorable period.
13 lunar day (+)
January 6, 2012 at 12:00 - 13 lunar day... Introspection Day. If you manage to sort out your mistakes and learn a lesson from them, then you will have a real opportunity to raise your authority and strengthen your position in the eyes of the people around you. A surge of creative energy and activity is very likely.
Waxing Moon (±)
The moon is in phase Waxing Crescent... The second lunar phase is the interval between the first lunar quarter and the full moon. During this period, the active growth of the moon continues. The second phase is characterized by an even more significant rise in energy and internal forces, a strongly pronounced activity.
In the business sphere, a favorable time begins for the implementation of planned affairs, the solution of difficult issues and problems. Cases requiring a lot of activity will not be difficult.
In the second lunar phase, physical activity can be useful, it is during this period that it is good to start new training. Changes in absolutely all areas of activity are favorable, as in relationships on personal plan and in business.
This is a good time to move, travel, change the type of activity. Life energy gathers more and more and closer to the full moon its peak is noted. This period is distinguished by emotional outbursts, increasingly frequent conflicts, and the emergence of traumatic situations.
Day of the week influence (±)
Day of the week - Friday, this day is under the auspices of Venus - a mysterious, mysterious and bright planet. Since ancient times, it has been considered a women's day. On this day, girls and women were supposed to rest, not to overload themselves with any business.
Since Venus patronizes grace and beauty, creating a sense of serenity in a person, on Friday it is best to sum up the work week and get rid of everything unnecessary. The best thing is to prepare for the coming week. And in no way try to crank up all the work until the end of the working day.
On some issues of providing citizens with state support for construction (reconstruction) or acquisition living quarters
In order to implement the state housing policy and streamline the conditions for providing citizens with state support for the construction (reconstruction) or purchase of residential premises:
1. Establish that:
1.1. the right to receive preferential loans for construction (reconstruction) or purchase of residential premises is granted:
military personnel *;
citizens who, in accordance with legislative acts the right to extraordinary receipt of residential premises for social use of the state housing stock;
able-bodied adult family members of the tenant of the dwelling under the contract of lease of dwelling for the social use of the state housing stock in the event of his death or departure to permanent residence to another dwelling that does not have
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* The definition of this category, the size and procedure for granting preferential loans and other types of state financial support are regulated by the Decree of the President of the Republic of Belarus dated April 3, 2008 No. 195 "On some social and legal guarantees for military personnel, judges and prosecutors" (National Register of Legal Acts Republic of Belarus, 2008, No. 83, 1/9603).
to adult family members of the deceased (deceased, recognized as missing) tenant of official housing premises of the state housing stock - during the term of the contract for the lease of official residential premises of the state housing stock concluded in accordance with legislative acts;
low-income citizens of the Republic of Belarus, consisting
registered in need of better housing conditions (with the exception of citizens recognized as needing better housing conditions
on additional grounds provided by organizations
v collective agreements), from the number:
citizens whose families include children with disabilities, as well as people with disabilities from childhood I and II groups;
citizens who have fallen ill and have suffered radiation sickness caused by the consequences of the disaster at the Chernobyl nuclear power plant, other radiation accidents, disabled persons, in relation to whom a causal relationship has been established between injury or illness that led to disability, with the disaster at the Chernobyl nuclear power plant, other radiation accidents;
veterans of hostilities on the territory of other states from among the categories of citizens provided for in paragraphs 1 - 3 of part one of Article 3 of the Law of the Republic of Belarus of April 17, 1992 "On Veterans" (Vedamasts і Vyarkho ў naga Saveta Respubl ikі Belarus, 1992, No. 15, Article 249; National Register of Legal Acts of the Republic of Belarus, 2001, No. 67, 2/787);
citizens living in residential premises recognized in the established manner as unfit for living;
young adults who are laureates of the special fund of the President of the Republic of Belarus for social support of gifted pupils and students and (or) the special fund of the President of the Republic of Belarus for support of talented youth, in agreement with the Ministry of Education, the Ministry of Culture and in accordance with documents confirming such rank. In this Decree, young citizens are understood as persons under the age of 31;
citizens who were awarded scholarships of the President of the Republic of Belarus for talented young scientists - in agreement with the National Academy of Sciences of Belarus and in accordance with documents confirming the appointment of these scholarships issued by the organizations that paid them;
citizens living for at least 10 years in hostels, in residential premises of the state housing stock under contracts for the sublease of residential premises, in residential premises of private housing stock under contracts for the lease of residential premises, which, including cohabitating family members and separately living spouses, do not have a ownership of residential premises ( total area residential premises attributable to a share in the right of common ownership of residential premises), including those located in other settlements of the Republic of Belarus;
citizens engaged in construction (reconstruction) or purchase of residential premises in settlements with a population of up to 20 thousand people;
judges and prosecutors;
young families with two minor children as of the date of approval of the lists for obtaining preferential loans.
Foreign citizens and stateless persons permanently residing in the Republic of Belarus enjoy the right to receive preferential loans for construction (reconstruction) or purchase of residential premises on an equal basis with citizens of the Republic of Belarus, unless otherwise provided by laws and international treaties of the Republic of Belarus.
The conditions and procedure for classifying citizens as low-income citizens for the provision of soft loans, subsidies and other forms of state support for the construction (reconstruction) or purchase of residential premises are determined by the Council of Ministers of the Republic of Belarus;
1.2. an extraordinary right to receive preferential loans are:
large families;
citizens whose families include children with disabilities, as well as people with disabilities from childhood I and II groups;
citizens who have fallen ill and have suffered radiation sickness caused by the consequences of the disaster at the Chernobyl nuclear power plant, other radiation accidents, disabled people, in relation to whom a causal relationship has been established between injury or illness that led to disability, with the disaster at the Chernobyl nuclear power plant, other radiation accidents;
citizens who have lived for at least 10 years in hostels, in residential premises of state housing stock under contracts for sublease of residential premises, in residential premises of private housing stock
under contracts of lease of residential premises, which, including jointly living family members and separately living spouses, do not own residential premises (the total area of residential premises attributable to a share in the common ownership of residential premises), including those located in other populated areas points of the Republic of Belarus;
able-bodied adult members of the family of the tenant of the dwelling under the contract of lease of dwelling for the social use of the state housing stock in the event of his death or departure
for permanent residence in another dwelling without
in the use of residential premises of the state housing stock on the basis of a lease agreement or in the ownership of another residential premises in this settlement with a total area of 15 sq. meters and more
(in Minsk - 10 square meters or more) per person who meets the established sanitary and technical requirements, - during the term of the contract for the lease of residential premises for social use of the state housing stock concluded in accordance with legislative acts with one of them;
adult members of the family of a deceased (deceased, recognized as missing) tenant of official housing premises of the state housing stock - during the term of the contract for the lease of office premises of the state housing stock concluded in accordance with legislative acts;
1.3. citizens of the Republic of Belarus who have the right to receive preferential loans (with the exception of citizens specified in paragraphs two and seventeen of the first part of subparagraph 1.1 of this paragraph) are entitled to receive one-time subsidies for construction (reconstruction) or purchase of residential premises.
The right to joint use of a soft loan and a one-time subsidy for construction (reconstruction) or purchase of residential premises are:
citizens who, in accordance with legislative acts, have the right to an extraordinary receipt of residential premises for social use of the state housing stock;
veterans of hostilities on the territory of other states from among the categories of citizens provided for in paragraphs 1 - 3 of part one of Article 3 of the Law of the Republic of Belarus “On Veterans”;
citizens living in residential premises recognized in the established manner as unfit for living;
citizens who have fallen ill and have suffered radiation sickness caused by the consequences of the disaster at the Chernobyl nuclear power plant, other radiation accidents, disabled people, in relation to whom a causal relationship has been established between injury or illness that led to disability with the disaster
at the Chernobyl nuclear power plant, other radiation accidents;
citizens whose families include children with disabilities, as well as persons with disabilities from childhood I and II groups.
Citizens from among those entitled to receive a one-time subsidy for construction (reconstruction) or purchase of residential premises not specified in part two of this subparagraph have the right, at their choice, to use either concessional loans or one-time subsidies for construction (reconstruction) or purchase of residential premises ...
One-time subsidies for construction (reconstruction) or purchase of residential premises out of turn are provided to citizens who have the right to receive out of turn soft loans for these purposes.
Young families, as well as citizens permanently residing
and those working in rural settlements are entitled to a one-time subsidy to pay off debt on a preferential loan received for the construction (reconstruction) or purchase of housing.
A one-time subsidy for the repayment of debt on a concessional loan received for the construction (reconstruction) or purchase of residential premises is provided to young families, as well as citizens permanently residing and working in rural settlements, after putting a residential building into operation (purchasing residential premises) in equal shares within the terms established by the loan agreement.
Transfer of funds local budgets for the provision of one-time subsidies for the repayment of debt on preferential loans is carried out on a monthly basis in accordance with the applications of an open joint stock company " Savings bank Belarusbank.
Citizens eligible for one-time subsidies
for construction (reconstruction) or purchase of residential premises
and to repay concessional loans, can exercise the right to receive one of the types of one-time subsidies.
Provision of one-time subsidies for construction (reconstruction) or purchase of residential premises and for debt repayment
on preferential loans received for the construction (reconstruction) or purchase of residential premises, is carried out on the terms and in the manner determined by the Council of Ministers of the Republic of Belarus;
1.4. soft loans for construction (reconstruction) or purchase of residential premises are provided by the open joint-stock company Savings Bank Belarusbank.
The maximum size of a concessional loan for the construction (reconstruction) of residential premises is determined by the standardized size of the total area of the residential premises, determined in accordance with subparagraph 1.6 of this paragraph, taking into account the standards for the total area of the residential premises under construction (reconstruction) established
in subparagraph 1.5 of this paragraph, and in terms of the cost of construction of 1 sq. meters of the total area of residential premises of typical consumer qualities for the corresponding type of residential buildings, approved by local executive and administrative bodies, and should not exceed 90 percent (for large families - 100 percent) of the construction cost of the standardized dimensions of the total area of residential premises of typical consumer qualities.
The maximum period for which soft loans are provided should not exceed 20 years (for large families - 40 years).
The interest for the use of these loans during their maturity is set in the following amounts:
for large families - 1 percent per annum;
for citizens permanently residing and working in settlements with a population of up to 20 thousand people - in the amount of
10 percent of the refinancing rate of the National Bank in effect as of the date of approval of the lists for obtaining soft loans, but not less than 3 percent per annum;
for other categories of citizens specified in paragraphs three through sixteen of part one of subparagraph 1.1 of this paragraph - in the amount of 20 percent of the refinancing rate of the National Bank in effect on the date of approval of the lists for obtaining soft loans, but not less than 5 percent per annum;
for young families with two minor children,
not related to the categories of citizens specified in paragraphs three through sixteen of part one of subparagraph 1.1 of this paragraph - in the amount of 50 percent of the refinancing rate of the National Bank, in effect on the date of approval of the lists for obtaining preferential loans, but not less than 5 percent per annum.
The margin of the open joint stock company Savings Bank Belarusbank is 3 percent per annum.
In cases of employment and (or) relocation of borrowers and (or) their spouses, permanently residing and working in settlements with a population of up to 20 thousand people, during the period of issuing a preferential loan and the construction (reconstruction) of residential premises in settlements with a population of population over 20 thousand people, the amount of interest for the use of a preferential loan is recalculated taking into account the norms provided for in paragraph four of part four of this subparagraph, as of the date of conclusion loan agreement.
Families who have acquired the status of a large family after concluding a loan agreement, the period for which soft loans are provided increases to 40 years. Interest rate for the use of these loans during their repayment period is set at 1 percent a per annum based on the amount owed on the date of submission of documents to the open joint-stock company "Savings Bank" Belarusbank ". If the family loses this status during the construction process, either
during the repayment period of the concessional loan, the conditions of concessional lending are not changed.
In the cost of the construction of residential premises in rural settlements, carried out by citizens permanently residing in them
and working, as well as the construction of residential premises in settlements with a population of up to 20 thousand people, carried out by large families, the cost of the construction provided for by the project is included outbuildings in the amount of up to 20 percent of the construction cost of the standardized dimensions of the total area of residential premises of typical consumer qualities, determined in accordance with subparagraph 1.6 of this paragraph;
1.5. standards for the total area of a residential building under construction (reconstructed) to determine the size of a preferential loan are set at 20 sq. meters (in Minsk - 15 sq. meters,
and for large families - 20 sq. meters) per family member (during construction for one person studio apartment, single-family residential building - 30 sq. meters), and for citizens permanently residing
and those working in rural settlements and building (reconstructing) single-family or blocked residential buildings in them - 30 sq. meters (for the construction of a single-family residential building for one person or a one-room apartment in a blocked residential building - 44 square meters).
For Heroes of Belarus, Heroes of the Soviet Union, Heroes of Socialist Labor, full holders of the Orders of Glory, Labor Glory, as well as citizens who, in accordance with the law, have the right to additional area living quarters for health reasons, the specified standards for the total area of living quarters increase by 15 sq. meters for each family member who has the right to additional living space for the listed reasons.
Citizens engaged in construction (reconstruction) or purchase of residential premises with a total area of less than 15 sq. meters
(in Minsk - less than 10 square meters) per person, a preferential loan is provided subject to the voluntary expression of the will of these citizens and their family members included in the lists for obtaining preferential loans, to deregister those in need of better housing conditions;
1.6. the lists for obtaining concessional loans indicate the normalized sizes of the total area of the residential premises, which are set minus the total area of residential premises owned by the borrower and his family members (including the total area of residential premises attributable to the shares in the right of common ownership of residential premises), as well as the total area of residential premises located
owned and alienated by the borrower and (or) his family members for 3 years prior to the conclusion of the loan agreement (including the total area of residential premises belonging to the
and alienated by the borrower and (or) his family members within 3 years prior to the conclusion of the loan agreement, shares in the right of common ownership of residential premises). The total area of a dwelling, attributable to a share in the right of common ownership of a dwelling, is determined on the basis of the total area of a dwelling in proportion to the size of a share in the right of common ownership of a dwelling.
The total area of residential premises owned by the borrower and his family members (including the total area of residential premises attributable to the share in the common ownership of residential premises owned by the borrower and his family members), taken into account when establishing the standardized sizes of the total area of residential premises for calculating the amount of a preferential loan, is reduced by the standard for the total area established in subparagraph 1.5 of this paragraph, attributable to each remaining resident
in the considered living quarters of a family member of the borrower.
In case of alienation by the borrower and (or) members of his family of the dwelling in their ownership (their share in the right of common ownership of the dwelling) within 3 years
Before concluding a loan agreement and acquiring ownership of another residential premises (shares in the common ownership of residential premises), residential premises of a larger area are taken into account from these residential premises (shares) (the share that accounts for a large area of residential premises).
The normalized dimensions of the total area of the residential premises taken into account for determining the size of the concessional loan are established minus the total area of residential premises of the organizations of developers,
for which share contributions were paid by the borrower and (or) members of his family, and residential premises for which the borrower and (or) members of his family paid the price of the object shared construction, as well as taking into account the total area of residential premises in commissioned residential buildings(start-up complexes), the construction of which was carried out by the borrower
and / or members of his family.
The normalized dimensions of the total area of a dwelling taken into account for determining the amount of a concessional loan are set without taking into account the total area of a dwelling (including the total area of a dwelling attributable to a share in the common ownership of a dwelling):
for the reconstruction of which a preferential loan is provided;
alienated (including in case of alienation of a share in the right of common property) by the borrower and (or) members of his family to jointly living family members, if the total area of the said premises (the total area of the living quarters attributable to the share in the right of common ownership of the dwelling) is taken into calculation of the standardized size of the total area to determine the size of a preferential loan for a given family.
In the event of a gratuitous transfer under a donation agreement by borrowers and (or) members of their families of residential premises (shares in the right of common ownership of residential premises), including those recognized in the established manner unsuitable for habitation, to local executive and administrative bodies, and by military personnel - also to the Ministry defense and other state bodies that have military formations and paramilitary organizations, the standardized sizes of the total area of \ u200b \ u200bthe living quarters for determining the size of the concessional loan are taken into account in the prescribed manner, without taking into account the area of the transferred residential premises (the area of residential premises attributable to the transferred shares in the right of common ownership to Living spaces).
When the family composition of the borrower changes during the construction or reconstruction of a dwelling with the use of a preferential loan, the amount of the preferential loan is recalculated.
The dwelling premises of the state housing stock occupied under the lease agreement, in which the persons retaining the right to use it, in accordance with the legislation, do not remain, shall be rented out to the lessor.
If, in the process of construction (reconstruction) of a dwelling, the borrower and (or) members of his family acquired the ownership of a dwelling (a share in the right of common ownership of a dwelling) by privatizing the occupied dwelling of the state housing stock, under a sale and purchase agreement, donation, by inheritance and on other grounds provided for by legislative acts, the relying amount of the preferential loan is recalculated in accordance with this subparagraph;
1.7. concessional loans for the construction (reconstruction) of residential premises are allocated taking into account the cost of work on the production of design and estimate documentation.
When purchasing under a contract of sale of unfinished residential buildings (apartments) and ineffectively used buildings and structures located in state property, to calculate the amount of a preferential loan allocated for the construction (conversion into residential premises) of the specified objects, their cost at the time of the conclusion of the relevant agreement, as well as the residual cost of construction (conversion into residential premises) of these facilities is taken into account.
In case of free transfer of these objects, the amount of the soft loan is calculated based on residual value their construction (conversion into residential premises), taking into account the standards provided for concessional lending.
Sale and purchase agreements or gratuitous transfers to developers of unfinished residential buildings (apartments) and ineffectively used buildings and structures with an indication of their value are concluded before the opening of a credit line open joint stock company"Savings Bank" Belarusbank ";
1.8. preferential loans for the purchase of residential premises are provided to citizens in an amount not exceeding 90 percent (for large families - 100 percent) maximum size loan allocated for the construction (reconstruction) of housing in accordance with
with subparagraphs 1.4 - 1.6 of this paragraph (with the exception of residential premises built by organizations and individual entrepreneurs specially for sale), and the value of the estimated value of the acquired dwelling, determined in the manner established by the Council of Ministers of the Republic of Belarus.
Citizens who are registered in need of better housing conditions at the place of residence, as well as at the place of work (service)
(with the exception of citizens registered in need of improving their living conditions at the place of work (service) in state bodies (except for regional, city executive and administrative bodies, local administrations), who, in accordance with part one of subparagraph 1.9 of this paragraph, have the right to approve the lists to receive preferential loans, as well as in organizations that are part of their system or subordinate to them), who have expressed a desire to improve living conditions through the acquisition of residential premises, are included by local executive and administrative bodies in the lists for obtaining preferential loans in the event that in the settlement at the place of residence of citizens who improve their living conditions (for citizens living in rural settlements, urban-type settlements, cities of district subordination, - within the boundaries of the relevant district), in the settlement at the location of the organizations that have registered citizens in need of improving their living conditions, the construction of residential buildings is not carried out by equity participation or by developer organizations created at the initiative of local executive
and regulatory bodies.
Citizens who are registered in need of improving their living conditions at the place of work (service) in state bodies (with the exception of regional, city executive and administrative bodies, local administrations), who, in accordance with part one of subparagraph 1.9 of this paragraph, have the right to approve lists for receiving preferential loans, as well as in organizations that are part of their system or subordinate to them, who have expressed a desire to improve housing conditions by purchasing residential premises, are included in the lists for obtaining concessional loans in the event that the construction of residential buildings is not carried out in the settlement at the place of purchase of housing by equity participation either by organizations of developers created as at the initiative of the relevant government agencies, So
and at the initiative of local executive and administrative bodies
with the participation of these state bodies.
Citizens who improve their living conditions by purchasing residential premises built by organizations and individual entrepreneurs specifically for sale, as well as large families who improve their living conditions by purchasing residential premises, including in the secondary market, are included in the lists for obtaining preferential loans, regardless of restrictions. foreseen
in parts two and three of this subparagraph.
Concessional loans for the purchase of residential premises built by organizations and individual entrepreneurs specifically for sale are provided in accordance with the procedure used for lending to the construction of residential premises;
1.9. concessional loans for the construction (reconstruction) or purchase of residential premises are provided according to the lists drawn up in accordance with the order of priority of citizens needing to improve their living conditions and approved, respectively, by district, city executive and administrative bodies, local administrations, the Ministry of Defense, the Ministry of Internal Affairs, the Investigative Committee , The Ministry of Emergency Situations, the State Security Committee, the State Border Committee, the Security Service of the President of the Republic of Belarus, the Operational and Analytical Center under the President of the Republic of Belarus, the State Inspection for the Protection of Fauna and Flora under the President of the Republic of Belarus, the Committee state control... These state bodies (with the exception of district, city executive and administrative bodies, local administrations) have the right to delegate the authority to approve the lists for obtaining preferential loans to organizations that are part of their system or subordinate to them. Citizens who are registered in need of better housing conditions and who are eligible for soft loans are included in the lists within the funds allocated for soft loans for the corresponding year. Approval of lists for obtaining concessional loans by district, city executives
and administrative bodies, local administrations is carried out taking into account the date of registration of those in need of improving housing conditions, determined by the regional, city executive
and regulatory bodies. The basis for concluding a loan agreement for obtaining a preferential loan from citizens arises after their approval in the lists for obtaining preferential loans. The approved lists are submitted to the open joint-stock company "Savings Bank" Belarusbank "for fully formed organizations of developers no later than a month before the start of lending.
Citizens registered in need of better housing conditions at the place of work (service), with the exception of citizens registered in need of improvement in housing conditions at the place of military service (work) in the Ministry of Defense, the Ministry of Internal Affairs, the Investigative Committee, the Ministry of emergency situations, the State Security Committee, the State Border Committee, the Security Service of the President of the Republic of Belarus, the Operational and Analytical Center under the President of the Republic of Belarus, the State Inspectorate for the Protection of Fauna and Flora under the President of the Republic of Belarus, in the bodies of the State Control Committee, as well as in organizations included in their system or subordinate to them, they are included in the lists for obtaining preferential loans by regional, city executive and administrative bodies, local administrations in the settlement at the location of the organization that has registered those in need of improving housing conditions.
Citizens who are registered in need of improved housing conditions at their place of residence, who wish to improve their housing conditions by construction (reconstruction) or the acquisition of residential premises in other settlements (with the exception of regional centers, the city of Minsk and settlements of the Minsk region), are included, upon their applications, in the lists for obtaining concessional loans by the relevant local executive and regulatory bodies at the place of registration of those in need of better housing conditions when accepted by citizens and their family members included in the lists
to receive soft loans, obligations to register them at the place of residence in constructed (reconstructed) or acquired
using concessional loans for residential premises.
Inclusion of citizens, including those registered in need of improving housing conditions at the place of work (service), military service (work) in the Ministry of Defense, the Ministry of Internal Affairs, the Investigative Committee, the Ministry of Emergency Situations, the State Security Committee, the State Border Committee, The Security Service of the President of the Republic of Belarus, the Operational and Analytical Center under the President of the Republic of Belarus, the State Inspectorate for the Protection of Fauna and Flora under the President of the Republic of Belarus, in the bodies of the State Control Committee, as well as in organizations that are part of their system or subordinate to them, in the lists to receive preferential loans are carried out in accordance with the procedure established by law, subject to the voluntary expression of the will of these citizens and their family members to deregister those in need
in improving housing conditions both at the place of residence (including family members living in other settlements) and at the place of work (service), military service (work) of each of them.
Citizens registered as needing better housing conditions who have exercised their right to extraordinary inclusion
in the lists for obtaining preferential loans, cannot be re-included in the named lists out of turn, regardless of whether they have grounds for extraordinary inclusion in the lists for obtaining preferential loans, with the exception of large families exercising such a right in accordance with paragraph 9 of this Decree.
Large families who have exercised their right to extraordinary inclusion in the lists for obtaining preferential loans in accordance with
with clause 9 of this Decree, as well as large families that have improved their living conditions with the attraction of a preferential loan in the family of parents, have the right to be included in the named lists out of turn in accordance with the named clause of this Decree only if the grounds for registering those in need
to improve their living conditions in connection with the birth, adoption, adoption of children;
1.10. before the conclusion of loan agreements with citizens who are members of organizations of developers, preferential loans for the construction (reconstruction) of residential premises can be provided to organizations performing the functions of customers for the construction (reconstruction) of residential premises (hereinafter referred to as customers) *, by concluding loan agreements for an amount equal to no more than 50 percent of the estimated cost of a residential building under construction (reconstructed), indicating the interest paid for the use of preferential loans, in the amounts determined in part four of subparagraph 1.4 of this paragraph. Soft loans are provided to customers for up to 6 months
with the condition of their subsequent re-registration to members of organizations of developers in proportion to the share of preferential loans
the area of residential premises under construction (reconstructed) on the conditions provided for by this Decree, until the end of the period for which they are provided.
After the conclusion of loan agreements with citizens who are members of organizations of developers, preferential loans for the construction (reconstruction) of residential premises can be provided to organizations of developers within the amount of credit lines open to citizens
with the subsequent re-registration of the issued loan to members of organizations of developers in proportion to the specific weight of the preferentially credited area of residential premises under construction (reconstructed) under the conditions provided for by this Decree, until the end of the period for which they are provided.
Debt classification and valuation credit risk for loans issued in accordance with this Decree to customers are carried out regardless of the debtor's ability to fulfill his obligations, the quality and sufficiency of collateral.
Concessional loans for the construction (reconstruction) of residential buildings are provided to organizations of developers, customers in the presence of the conclusion of the state examination of projects and estimates for the specified objects, permission of the state construction supervision body of the Republic of Belarus for construction and installation works issued to the customer, construction contract.
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* Organizations performing the functions of customers for the construction (reconstruction) of residential premises include utility unitary enterprises for capital construction, which are entrusted with the functions of single state customers for the construction of residential buildings for citizens engaged in the construction of residential premises with state support, other government organizations or organizations with a state share in the authorized capital of more than 50 percent, acting as customers for the construction of residential buildings for citizens engaged in the construction of residential buildings premises with state support, on the basis of the decision of the district, city, district in the city of the executive and administrative body.
When reissuing the liabilities provided in accordance with parts one and two of this subparagraph of preferential loans
on their repayment and payment of interest for their use, they are transferred to members of organizations of developers from the date of issuance of preferential loans to these organizations on the conditions provided for in this Decree,
in proportion to the specific weight of the concessionally credited area of residential premises under construction (reconstructed) to determine the size of the concessional loan.
If, as of the expiration date of the loan agreement with the customer, concluded in accordance with part one of this subparagraph, the organization of developers is not fully formed or there are members of the organization of developers who have not concluded loan agreements for obtaining soft loans with the bank, the unregistered part The concessional loan is subject to repayment by the customer within three months with the payment of increased interest in the amount of the refinancing rate, increased by a margin of 3 percentage points, from the date of receipt of the concessional loan by the customer. At the same time, compensation for losses to the bank from the republican budget for the unregistered part of the preferential loan is not carried out.
In the case of the construction of residential premises by citizens who have entered into contracts for the creation of shared construction objects, payment of the price of the shared construction object is carried out on the basis of monthly certificates submitted by the developer about the cost of work performed, the costs of the developer and the amount of the next installment to pay the cost of construction of the residential premises. This certificate includes advances that should not exceed 50 percent of the cost of work to be performed in the next month, as well as targeted advances for the purchase of structures, materials and products;
1.11. the maximum period during which a preferential loan is issued for the construction of single-family, as well as blocked residential buildings, should not exceed 3 years from the date of the first part of the loan;
1.12. repayment of debts on preferential loans and payment of interest for the use of them are carried out by citizens in equal shares during the entire period of repayment of loans:
when purchasing residential premises - with next month after the loan has been issued;
during the construction (reconstruction) of single-family residential buildings in an economic way - from the next month after the delivery of the house
into operation, but no later than 2 years after the start of lending,
and for citizens permanently residing and working in settlements with a population of up to 20 thousand people, and large families - from the next month after the house was put into operation, but no later than 3 years after the start of lending;
in the construction of apartments in multi-apartment residential buildings, as well as in the construction of single-family residential buildings by contract- from the next month after the commissioning of the house (start-up complex)
in operation, and in the case of putting the house into operation (construction of apartments) without completing the full scope of work to ensure the full readiness of the residential premises for operation, six months after the house was put into operation.
Families in which one of the parents after the birth of the second
and subsequent children are on parental leave for a child under the age of three years, for the period of this leave, a deferral in repayment of debt on a loan (including interest on a loan) provided for the construction (reconstruction) or purchase of a dwelling is provided.
Families with many children financial aid the state in repayment of debt on preferential loans is provided in the manner established by the Council of Ministers of the Republic of Belarus, after the commissioning of residential buildings
into operation (purchase of residential premises) in accordance with
with the number of minor children on the date of the loan agreement and the amount of debt on preferential loans as of the date the borrowers submitted to the open joint-stock company "Savings Bank" Belarusbank "the documents necessary for its receipt, and turns out to be in the following amounts:
in the presence of three minor children - 75 percent
from the amount of outstanding loans;
in the presence of four or more minor children -
100 percent of the outstanding loan amount.
Families at birth (adoption, adoption) of the third
and subsequent children after the conclusion of a loan agreement, financial assistance from the state in repayment of debt on preferential loans is provided in accordance with the number of minor children at the date of birth (adoption, adoption) of the child (taking into account the born, adopted, adopted) in the manner specified in part three of this subparagraph ...
The recalculation of the amount of state financial assistance provided to families with many children in repayment of debts on preferential loans issued taking into account the actual cost of work on the completion of the construction of residential buildings, including work on exterior decoration, landscaping and landscaping, the implementation of which, when residential buildings are put into operation, has been postponed to favorable time period.
For large families that have received financial assistance in the amount of 30 or 50 percent with three children and 50 or 70 percent with four children, financial assistance is recalculated if the family has at least three minor children on the date of submission by the borrowers to the open joint stock company "Savings Bank" Belarusbank “documents required for its recalculation.
The amount of financial assistance when it is recalculated in accordance with
with part six of this subparagraph is determined as a percentage of the amount owed on the date of submission of documents as the difference between the amount of financial assistance established by this Decree and the amount of previously provided financial assistance, expressed as a percentage.
Financial assistance from the state in repayment of debt on preferential loans is provided to young families at the birth (adoption, adoption) of the first and (or) second child after the conclusion of a loan agreement for the construction (reconstruction) or purchase of residential premises.
Financial assistance from the state to young families in repayment of debt on preferential loans is provided in accordance with the procedure established by the Council of Ministers of the Republic of Belarus, after the commissioning of residential buildings (purchase of residential premises) based on the amount of debt on preferential loans as of the date of submission by borrowers to the open joint-stock company "Savings Bank" Belarusbank “documents required to obtain it, and is in the following sizes:
at the birth (adoption, adoption) of the first child -
10 percent of the amount owed on loans issued;
at the birth (adoption, adoption) of a second child -
20 percent of the amount owed on loans issued.
For young families, the recalculation of state financial assistance received in accordance with the legislation on previously existing conditions is not made.
Recalculation of the amount of state financial assistance provided in accordance with this Decree to young families
in repayment of debts on preferential loans issued taking into account the actual cost of work on the completion of the construction of residential buildings, including work on exterior decoration, landscaping and landscaping, the implementation of which, when residential buildings were put into operation, was postponed for a favorable period of time.
The documents required for obtaining financial assistance are submitted by large and young families to the open joint-stock company "Savings Bank" Belarusbank "after the commissioning of a residential building (purchase of residential premises).
State financial assistance to large and young families
in repayment of debts on preferential loans is provided in equal shares within the terms established by the loan agreement.
The payment of interest for the use of large and young families with a part of a preferential loan to be repaid with financial assistance from the state is made by the state in equal shares within the time frame established by the loan agreement;
1.13. own funds are paid by individual borrowers on a monthly basis at current prices.
One-time subsidies count towards own funds citizens to pay for the cost of construction of standardized sizes of the total area of living quarters of typical consumer qualities. The amount of own funds deposited is determined as the difference between the cost of the dwelling and the amount of the received soft loan;
1.14. when dwelling houses (apartments) are put into operation without the full scope of work ensuring the full readiness of dwellings for operation, the costs associated with the production of these works are attributed to the citizens' own funds, which they send to finance the construction (reconstruction) of dwellings;
1.15. the transfer of debt on the received concessional loan is allowed only to a family member of an individual borrower or in the presence of a decision of a local executive and administrative body or a decision of the relevant republican body government controlled to a person who is registered as needing to improve housing conditions and who, in accordance with the law, has the right to receive a preferential loan for construction (reconstruction) or purchase of residential premises.
Obligation to repay debt on a preferential loan
and interest for the use of it can be imposed by a court decision on the spouse of the individual borrower, other family members, including the former, who have jointly improved their living conditions, claiming a share in the constructed living quarters, or in case of divorce - on the spouse ) of an individual borrower on the basis of a marriage or other contract (agreement) concluded
v writing according to established order;
1.16. residential premises under construction (reconstructed, acquired), as well as constructed (reconstructed, acquired) are pledged (mortgaged) by the open joint-stock company "Savings Bank" Belarusbank. Wherein:
the right of pledge arises at the open joint-stock company Savings Bank Belarusbank from the moment of the conclusion of the corresponding loan agreement and is terminated in the event of the termination of the loan obligation, the destruction of the mortgaged residential premises or foreclosure by the pledgee in the manner prescribed by law;
a pledge (mortgage) of a building (structure) is carried out without a pledge (mortgage) of the land plot on which it is located;
claims of other mortgagees of residential premises built (reconstructed, acquired) with the attraction of soft loans are satisfied from the cost of these residential premises after satisfying the claims of the open joint-stock company "Savings Bank" Belarusbank "under the relevant loan agreements;
the pledge (mortgage) of the specified residential premises is made according to the rules determined by the legislation, which do not contradict this Decree;
1.17. financing of expenses related to lending for housing construction is carried out within the limits approved by the law on the republican budget for the next financial year.
Distribution of lending volumes for housing construction by regions and Minsk city depending on the need for soft loans selected categories citizens who, in accordance with the legislation, have the right to receive them, is carried out by the Council of Ministers of the Republic of Belarus;
1.18. sale of residential premises, their parts (if the division of residential premises is carried out), as well as shares in the ownership of these residential premises, built (reconstructed) or acquired with the involvement of a soft loan:
until its full repayment is not allowed;
within a year from the date of repayment of this loan can be carried out to the relevant regional, city executive and administrative body, local administration in the manner prescribed by law.
In case of refusal of the relevant regional, city executive and administrative body, local administration to purchase residential premises (its parts, shares in ownership), built (reconstructed, acquired) with the attraction of a soft loan, sale, donation or exchange of said residential premises (parts thereof, shares in ownership) within a year from the date of repayment of the loan is carried out with the permission of this executive and administrative body, local administration in exceptional cases (relocation
to another locality, divorce, death of a home owner, etc.) or in case of improvement of living conditions by a homeowner recognized in the prescribed manner in need of improvement of living conditions, through construction, reconstruction or acquisition of a dwelling. Prior to repayment of the soft loan decision of the executive
and the administrative body, local administration on the donation or exchange of the mentioned residential premises (its parts, shares in ownership) can be accepted only with the consent of the open joint-stock company "Savings Bank" Belarusbank "in the manner prescribed by law;
1.19. in the event of the sale by citizens of the residential premises in their ownership, the proceeds from this sale cash
are not included in the family's income for calculating the average monthly total income for each of its members who are eligible for a soft loan, subject to the direction of these funds for the construction (reconstruction) or purchase of a dwelling.
2. Responsibility for illegal inclusion of citizens in the lists for obtaining concessional loans for construction (reconstruction) or the acquisition of residential premises shall be assigned to local executive and administrative bodies and heads of organizations (when registering citizens in need of improving housing conditions at the place of work), and control for the correct inclusion of citizens in these lists - to regional executive committees, Minsk City Executive Committee, Ministry of Defense, Ministry of Internal Affairs, Investigative Committee, Ministry
Emergency Situations Committee, State Security Committee, State Border Committee, Security Service of the President of the Republic of Belarus, Operational and Analytical Center under the President of the Republic of Belarus, State Inspectorate for Animal Protection
and flora under the President of the Republic of Belarus, the State Control Committee in accordance with their competence.
3. Grant the right to the open joint-stock company "Savings Bank" Belarusbank ":
require from district, city executive and administrative bodies, local administrations, from the heads of organizations
(when registering citizens in need of better housing conditions at the place of work) additional documents confirming the legality of the inclusion of citizens in the lists for obtaining preferential loans;
in the event of violations of the law when a citizen is included in the specified list, refuse to conclude a loan agreement with this citizen and appeal the decision of the district, city executive and administrative body, local administration
on his inclusion in the list in the relevant regional executive committee (Minsk City Executive Committee), the Ministry of Defense, the Ministry of Internal Affairs, the Investigative Committee, the Ministry of Emergency Situations, the State Security Committee, the State Border Committee, the Security Service of the President of the Republic of Belarus, the Operational and Analytical Center under the President of the Republic of Belarus , The State Inspectorate for the Protection of Fauna and Flora under the President of the Republic of Belarus, the State Control Committee in accordance with their competence;
not to lend to the construction of an object in the absence of a project approved in the prescribed manner and passed the state examination, as well as without a work contract and permission to carry out construction and installation works;
to carry out control measurements of the volume of construction and installation work performed during the construction (reconstruction) of residential premises
using concessional loans;
in the event of an overestimation of the volume or cost of construction and installation work performed and costs incurred during the construction (reconstruction) of residential premises using preferential loans:
to withhold in the prescribed manner from the contractor at the next payment for the construction and installation work performed by him, the amount of such an overstatement revealed during the construction;
collect from the contractor in an indisputable manner on the basis of the bank's decision, which is executive document, and to send to the repayment of concessional loans the amount of the specified overstatement revealed after the commissioning of the facility and (or) upon termination (suspension) of the work by the contractor at the facility.
4. Compensation for losses of the open joint-stock company "Savings Bank" Belarusbank "associated with the provision of soft loans to citizens, as well as organizations of developers and customers
at the expense of the own funds of the named joint-stock company, it is carried out from the funds of the republican budget on a monthly basis during the entire period for which these loans are provided.
5. For the purposes of this Decree, the following terms apply
and their definitions:
dwelling - a single-family dwelling house, an apartment in a multi-dwelling or a block-off dwelling house;
citizens permanently residing and working in settlements with a population of up to 20 thousand people - borrowers and their spouses registered at the place of residence in settlements with a population of up to 20 thousand people and working in organizations, separate subdivisions organizations and their structural units located in such settlements, as well as registered at the place of residence in settlements
with a population of up to 20 thousand people non-working borrowers and their spouses receiving pensions and (or) state benefits who have worked in such settlements before retirement (receiving state benefits) for at least 5 years (except for citizens whose families there are disabled children, as well as disabled from childhood I and II groups), and borrowers and their spouses registered at the place of residence in settlements
with a population of up to 20 thousand people engaged in entrepreneurial and craft activities, activities in the field of agroecotourism in the territory of the corresponding settlement;
young family - a family in which at least one of the spouses (a parent in an incomplete family) was under the age of 31 at the date of registration of those in need of better housing conditions, and for citizens registered in need of better housing conditions before joining marriage (birth, adoption, adoption of a child), -
on the date of marriage (birth, adoption, adoption of a child). The members of a young family include a spouse and their children (relatives, adopted children);
large family - a family with three or more minor children. The members of a large family include a spouse and their children (relatives, adopted children, adopted children). In order to receive soft loans or one-time subsidies for construction (reconstruction) or purchase of residential premises, large families are recognized as families included in the lists of large families in need of better housing conditions and entitled to receive soft loans or one-time subsidies, which, on the date of the loan agreement or at least three children under the age of 23 who have not married and live with their parents, including those receiving vocational, secondary specialized, higher, postgraduate education in the daytime form of education or mastering the content of an educational training program persons for admission to educational institutions of the Republic of Belarus in the daytime form of receiving education in other settlements or undergoing urgent military service by conscription, for which, in accordance with the law, the right to use the living quarters occupied by the parents is retained. In order to receive financial assistance from the state in repayment of debt on preferential loans, large families are recognized as families engaged in the construction (reconstruction) or acquisition of residential premises and having three or more minor children at the date of the loan agreement, as well as families who have at birth (adoption, adoption) the third and subsequent children after the conclusion of the loan agreement of three or more minor children on the date of birth (adoption, adoption) of the child (taking into account the born, adopted, adopted child);
standardized size of the total area of a dwelling is the total area of a dwelling taken into account when determining the amount of a preferential loan during construction (reconstruction) or the acquisition of a dwelling, which is determined taking into account the established
in subparagraph 1.5 of paragraph 1 of this Decree, the standards for the total area of the residential premises under construction (reconstructed) and the total area owned (were) owned by the borrower
and (or) members of his family of residential premises (including the total area of residential premises attributable to (owned) by a citizen and (or) members of his family shares in the right of common ownership of residential premises) located in settlements of the Republic of Belarus;
family members of the borrower - spouse, spouse, minor children, children under the age of 23, unmarried and living
together with parents, including those receiving vocational, secondary special, higher, postgraduate education in the daytime form of education or mastering the content of the educational program to prepare persons for admission to educational institutions of the Republic of Belarus in the daytime form of education in other settlements or undergoing compulsory military service by conscription, for which, in accordance with the law, the right to use the living quarters occupied by the parents is retained.
6. Introduce into the Regulations on organizations of developers, approved by the Decree of the President of the Republic of Belarus dated January 28, 2008 No. 43
"On the activities of organizations of developers, garage cooperatives
and cooperatives operating parking lots "(National Register of Legal Acts of the Republic of Belarus, 2008, No. 29, 1/9411; 2010, No. 249, 1/12032; 2011, No. 91, 1/12747), the following additions and changes:
6.1. clause 2 shall be supplemented with the thirteenth paragraph of the following content:
”Family members of a member of a developer's organization whose house has not been completed (reconstruction of the house has not been completed) - spouse, spouse, children, parents, other relatives, in-laws, disabled dependents, former family members registered as needy
in improving living conditions with a member of the organization of developers, whose house is not completed construction (the reconstruction of the house is not completed); “;
6.2. in point 8:
in part two:
in the second paragraph of the word "according to the Decree of the President of the Republic of Belarus dated April 14, 2000 No. 185" On providing citizens with preferential loans and one-time subsidies for the construction (reconstruction) or purchase of residential premises "(National Register of Legal Acts of the Republic of Belarus, 2000, No. 38, 1/1172) “replace with words” in accordance with
with legislative acts ";
after the second paragraph, add the following paragraphs to the part:
”From among judges and prosecutors;
living in Minsk and having a total living space of less than 10 sq. meters per person, - for organizations of developers formed in Minsk; ";
to exclude part three;
in part four, the words "fourth", "except for the case specified in part six of subparagraph 1.10 of paragraph 1 of the Decree of the President of the Republic of Belarus of April 14, 2000 No. 185" replace, respectively, with the words "third", "unless otherwise established by the President of the Republic of Belarus" ;
6.3. part one of clause 23 shall be stated as follows:
”23. Upon termination of membership in the organization of developers of a citizen who has a unit accumulation in it, who is not the owner of the dwelling, with the exception of the cases provided for in clauses 24 and 241 of these Regulations, one of the family members of a former member of this organization or another has the priority right to join its members. a person entitled to a part of the unit accumulation (who took part
in payment of unit savings). “;
6.4. supplement the Regulation with clause 241 as follows:
”241. Upon termination of membership in an organization of developers, whose house has not been completed (the reconstruction of the house has not been completed), formed from the number of citizens registered in need
in improving the living conditions at the place of work (service), the retiring member of the organization of developers is refunded the funds contributed for the construction, reconstruction of the house (with self-financing of construction, reconstruction of the house), or unit accumulation (when financing the construction, reconstruction of the house by the organization of developers) in the manner, established by the Council of Ministers of the Republic of Belarus, and by a state body other government organization, at the place of work (service) of which was registered as needy
to improve housing conditions, a retiring member of the organization of developers, in accordance with paragraph 8 of this Regulation, a citizen who is registered in need of improvement in housing conditions at the place of work (service) in this state body (organization) is sent to be included in the organization of developers; ";
6.5. in paragraph 28:
from the fourth paragraph of the first part of the word ", including those living with him," to exclude;
in part two:
after the fourth paragraph, add the following paragraph to the part:
”Transfer the right to savings unit to a family member or another person,
with the exception of the case of membership in an organization of developers, whose house has not been completed (the reconstruction of the house has not been completed), formed from the number of citizens registered as needy
in improving living conditions at the place of work (service); “;
6.6. in the second part of clause 29:
after the third paragraph, add the following paragraph to the part:
”Upon termination of membership in the organization of developers due to
with a voluntary withdrawal from this organization, notify family members about this, except for the case of termination of membership in the organization of developers, formed from the number of citizens registered in need of better housing conditions at the place of work (service); ";
6.7. paragraph 45 after the word "ninth" shall be supplemented with the words "of the first part".
7. To recognize as invalid the decrees of the President of the Republic of Belarus and their individual provisions in accordance with the appendix.
8. Open Joint Stock Company "Savings Bank" Belarusbank ":
provision of concessional loans to citizens who entered into loan agreements before the entry into force of this Decree, but not related to
to the categories defined in part one of sub-clause 1.1 of clause 1 of this Decree, to be carried out on the conditions provided for by the concluded credit agreements, within the limits of the credit lines opened on the date of entry into force of this Decree;
ensure coordination with the Ministry of Architecture and Construction and the Ministry of Justice of their decisions on the provision of preferential loans to citizens for construction (reconstruction) or purchase of residential premises.
9. District, city executive and administrative bodies, local administrations to ensure:
maintaining separate lists of large families in need
in improving housing conditions, for extraordinary receipt of preferential loans or one-time subsidies with the allocation of a separate list of large families with four or more minor children;
inclusion of large families in the members of the organization of developers (conclusion of an agreement for the creation of a shared construction object)
in the prescribed manner within a year from the date of filing of applications by large families with necessary documents, including, as a matter of priority, large families with four or more minor children;
inclusion of large families in the lists for obtaining preferential loans for the construction of single-family, blockaded residential buildings (apartments), reconstruction or purchase of residential premises
(including in the secondary housing market) within a month from the date of submission by large families of applications with the necessary documents;
in accordance with the established procedure, together with the open joint-stock company "Savings Bank" Belarusbank "timely allocation to large families who, in accordance with legislative acts, have the right to receive state support for the construction (reconstruction) or purchase of residential premises (including on the secondary housing market), disposable subsidies or soft loans.
10. Regional executive committees and Minsk city executive committee ensure:
jointly with the open joint-stock company "Savings Bank" Belarusbank "control over the targeted use of preferential loans allocated for the construction (reconstruction) or purchase of residential premises;
providing large families land plots for the construction and maintenance of individual residential buildings.
11. Regional executive committees, the Minsk City Executive Committee, the Ministry of Defense, the Ministry of Internal Affairs, the Ministry of Emergency Situations, the State Security Committee, the State Border Committee, the Security Service of the President of the Republic of Belarus, the Operational and Analytical Center under the President of the Republic of Belarus,
State Inspection for the Protection of Fauna and Flora under
To the President of the Republic of Belarus, the State Control Committee to ensure the revision of the lists of citizens for obtaining preferential loans
subject to the provisions of this Decree.
12. The effect of part five of sub-clause 1.3 of clause 1 of this Decree applies to preferential loan agreements, under which, as of July 1, 2011, soft loans or soft loans for construction (reconstruction) or purchase of residential premises have not been issued, and a one-time construction subsidy ( reconstruction) or purchase of residential premises was not provided, as well as for newly concluded loan agreements.
The effect of part seven of subparagraph 1.4, parts two - fourteen of subparagraph 1.12 of paragraph 1 of this Decree applies to loan agreements concluded before and after April 14, 2000, as well as to newly concluded loan agreements.
The effect of part one of subparagraph 1.10 of paragraph 1 of this Decree applies to newly concluded credit agreements, as well as
on previously concluded credit agreements, including under which crediting is carried out.
Subparagraph 1.16 of paragraph 1 of this Decree applies to residential premises started by construction (reconstruction) and built (reconstructed, acquired) with the use of soft loans before the entry into force of this Decree.
Subclause 1.18 of clause 1 of this Decree applies to residential premises built (reconstructed) or purchased using soft loans received under loan agreements concluded prior to the entry into force of this Decree.
13. The Council of Ministers of the Republic of Belarus shall, within three months, ensure that legislative acts are brought into conformity with this Decree.
14. Control over the implementation of this Decree shall be entrusted to the State Control Committee.
15. This Decree comes into force after its official publication.
President of the Republic of Belarus A. Lukashenko
On January 6, 2012, the President of Belarus signed Decree No. 13 “On Certain Issues of Providing State Support to Citizens in the Construction (Reconstruction) or Acquisition of Residential Premises”. Enough time has passed since its adoption, nevertheless, housing construction issues still concern people, as evidenced by their appeals and phone calls to the Central Bank of Ukraine No. 713 of Belarusbank OJSC.
The most frequently asked questions and answers to them are offered to the attention of our readers. On what conditions can you get a preferential loan for housing construction today?
The maximum period for which soft loans are provided should not exceed 20 years (for large families - 40 years). Interest for the use of these loans during their maturity is set in the following amounts: for large families - 1 percent per annum; for citizens permanently residing and working in settlements with a population of up to 20 thousand people - in the amount of 10 percent of the refinancing rate of the National Bank, in effect on the date of approval of the lists for obtaining soft loans, but not less than 3 percent per annum. Large families receive financial assistance from the state to repay debts on preferential loans: in the presence of three minor children - 75 percent of the amount of outstanding loans; if there are four or more minor children - 100 percent of the outstanding loan amount.
Did the changes in the standards of housing under construction affect?
For those living in settlements with a population of up to 20 thousand people, the previous standard remained - 20 m2 per person and 30 m2 per person in countryside for persons permanently residing there, working and building (reconstructing) residential buildings.
Are there preferential loans for young families for the purchase of housing?
Preferential loans for the purchase of residential premises are provided to large families in the amount of 100 percent of the maximum loan amount. Young families registered in need of improving housing conditions at their place of residence, who have expressed a desire to improve living conditions by purchasing residential premises, are included by local executive and administrative bodies in the lists for obtaining preferential loans in the event that construction is not carried out in the settlement at the place of residence. residential buildings by equity participation or by organizations of developers created at the initiative of local executive and administrative bodies.
Do young families receive financial assistance from the state at the birth of their children to pay off debts on soft loans received?
At the birth of the first child, 10 percent will be written off, at the birth of the second - 20 percent of the amount owed on loans issued on the date the borrower provides the documents necessary to receive it.
If another child is born in a large family, and the family has already received a preferential loan for construction and lives in a newly built house. Can I once again apply for a preferential loan to improve housing conditions?
Perhaps, if the grounds for registering those in need of improving their living conditions have arisen in connection with the birth, adoption, adoption of children.
Is it possible to use "Housing" checks when paying for extra meters?
Yes, indexed Shelter checks can be used to repay the loan. But the decision here is made not by the bank, but by the regional executive committee. The wife is on parental leave first.
Does the family have the right to defer the loan repayment? If so, what documents do you need to submit and who should you contact?
The possibility of granting a deferral by Decree No. 13 provides for families in which a second and subsequent child was born. This grace period can be used by both the spouse and the spouse if they are on parental leave. To do this, they must contact the branch where the loan was issued, submit either an extract from the order, or the order itself, or a certificate stating that this citizen is on parental leave.
At the time of inclusion in the lists of housing cooperatives, the refinancing rate was higher than it would be at the conclusion of the loan agreement. From which bank will the bank settle?
Decree No. 13 provides for the establishment of the interest rate at the date of approval of the lists for a preferential loan, and not at the date of the conclusion of the loan agreement. Thus, after the receipt of these lists to the bank, a loan agreement will already be concluded and the interest rate will be indicated exactly depending on the date of approval in the list.
Today, the main documents that provide state assistance in purchasing housing are:
- dated January 6, 2012 "On some issues of providing citizens with state support for the construction (reconstruction) or purchase of residential premises"
- of July 4, 2017 "On state support of citizens in the construction (reconstruction) of residential premises"
Decree of the President of the Republic of Belarus No. 13
Lending under Decree No. 13 in our country is carried out only by Belarusbank, we contacted its contact center to find out if it is now possible to get such a loan, this is what a bank specialist answered to us:
— The basis for obtaining a concessional loan in accordance with Decree No. 13 is the lists drawn up in accordance with the priority of citizens in need of improving their living conditions, and approved, respectively, by regional, city executive and administrative bodies, local administrations, relevant ministries and departments.
In other words, the loan is valid, but the issue of its issuance will be considered by the bank only after the receipt of relevant information from local executive bodies.
Here is what is said about this on the website of the Ministry of Architecture and Construction of the Republic of Belarus:
— Decree No. 13 continues to operate in full for citizens who have already received soft loans. New agreements under this decree will be concluded only if there are available funds for this. The amount of funds for additional crediting under Decree No. 13 will decrease every year, and from 2018, support will be carried out practically only on the terms of Decree No. 240.
Based on this, we can conclude that, although Decree No. 13 is valid, support for it is practically not being carried out anymore.
Decree of the President of the Republic of Belarus No. 240
Decree No. 240 introduced a new type of state support for citizens who need to improve their living conditions - state targeted subsidies.
What is the subsidy for? | ... for the construction of housing in apartment and block houses of economy class, which are included in the list approved by the Ministry of Architecture and Construction of the Republic of Belarus ... for the construction of single-family residential buildings ... for the reconstruction of residential premises |
|
What can be repaid with a subsidy? | part of the interest for using a loan for housing construction received in any commercial bank | within the maximum standardized cost of living space |
part of the principal debt on a housing loan | only for large families, orphans, families raising disabled children | |
Who can qualify for the grant? | citizens eligible for state support in accordance with Decree No. 13 | ... servicemen, privates and commanding officers of the Investigative Committee, the State Committee for Forensic Expertise, internal affairs bodies, etc. ... citizens entitled to an extraordinary receipt of residential premises for social use of the state housing stock ... citizens who are tenants of residential premises for social use of the state housing stock, provided to them as orphans and children left without parental care ... low-income citizens who are registered in need of better housing conditions from large families, citizens whose families have disabled children, as well as people with disabilities from childhood I and II groups ... and other categories |
current prosecutors and already dismissed due to age, health status, as well as due to reduction in the number or staff of employees |
a prerequisite - at least 5 years of service in the prosecutor's office | |
low-income citizens who are building or reconstructing housing in the Mogilev region | on the territory of Krichevsky, Klimovichsky, Krasnopolsky, Kostyukovichsky, Slavgorodsky, Cherikovsky and Khotimsky districts |
The maximum amount of a loan subject to subsidization is determined by the following formula ...
standardized size of living quarters * number of family members * maximum standard cost of 1 sq. meter * 90% (large families - 100%)
The standardized dimensions of the living quarters are set in the following dimensions:
- in Minsk - 15 sq. meters, and for large families - 20 sq. meters per family member
- in cities other than Minsk - 20 sq. meters per family member
- during the construction of a one-room apartment for one person, a one-room residential building - 30 sq. meters
- for citizens working in rural areas and building single-family or block houses - 30 sq. meters (during the construction of a one-room apartment for one person, a one-room residential building - 44 square meters)
At the moment, the maximum cost standard square meter is:
- 718 rubles
- 940 rubles - for large families who permanently live and work in rural settlements and carry out construction (reconstruction) there
About the subsidy - in simple terms
In Decree No. 240 it comes on attracting loans from commercial banks with the provision of the necessary targeted financial support for their repayment.
As a result, a person receives not a preferential, but the most common commercial loan and a subsidy for its repayment. This can be done in those banks that participate in the subsidy system, today there are 6 of them:
- Bank BelVEB
- Belagroprombank
- Belarusbank
- Belinvestbank
- BPS-Sberbank
- Priorbank
- loan term - up to 20 years;
- loan rate - 12% per annum (or refinancing rate + 3 percentage points).
Please note that if the refinancing rate changes, the loan rate will also change !!!
The subsidy is provided in cashless form and is sent to the bank that issued the commercial loan to repay part of the interest or principal debt for the citizen.
Aid sizes
As we said above, subsidies can be provided to pay off interest and / or principal on a loan. The amount of assistance is determined depending on the category of citizens.
Category | The size of the subsidy for the repayment of the principal debt on the loan,% | The amount of subsidy for repayment of interest for using a loan,% |
by decisions of the executive committees adopted from March 1, 2019 | ||
Large families | ||
large families with 4 or more minor children | 100 | CP + 3, |
large families with 3 minor children | 95 | CP + 2, but not more than the interest rate on the loan |
large families with at least 3 children under the age of 23, unmarried and living with the recipient of the subsidy | 0 | |
Orphans and children left without parental care | ||
orphans and children left without parental care, in respect of whom a decision has been made to emancipate or who have entered into marriage, persons from among orphans and children left without parental care | 50 | CP + 2, but not more than the interest rate on the loan |
citizens who are tenants of residential premises for social use of the state housing stock, provided to them as orphans and children left without parental care, in respect of whom a decision has been made to emancipate or who have entered into marriage, persons from among orphans and children left without parental care | ||
Citizens whose families include disabled children, as well as disabled people from childhood I and II groups | ||
Citizens whose families include disabled children, as well as people with disabilities from childhood I and II groups | 50 | CP-2, but not more than the interest rate on the loan |
Young families | ||
young families with 2 minor children at the date of the decision on granting a subsidy | 0 | CP-2, but not more than the interest rate on the loan |
Other categories of citizens | ||
servicemen, individuals of the rank and file and commanding staff of the Investigative Committee, the State Committee for Forensic Expertise, internal affairs bodies, financial investigation bodies of the State Control Committee, bodies and divisions for emergency situations, etc. | 0 At the birth (adoption, adoption) of children, young families are provided with a subsidy to pay off the principal debt: |
CP-2, but not more than the interest rate on the loan |
citizens who, in accordance with legislative acts, have the right to an extraordinary receipt of residential premises for social use of the state housing stock | ||
able-bodied adult members of the family of the tenant of the dwelling under the contract of lease of dwelling for social use of the state housing stock in the event of his death or departure for permanent residence in another dwelling | ||
citizens who fell ill and suffered radiation sickness caused by the consequences of the disaster at the Chernobyl nuclear power plant, other radiation accidents | ||
veterans of hostilities on the territory of other states from among the categories of citizens provided for in accordance with the law "On Veterans" | ||
citizens living in residential premises recognized in the established manner as unsuitable for living | ||
adult young citizens who are laureates of the special fund of the President of the Republic of Belarus | ||
citizens who were awarded scholarships of the President of the Republic of Belarus for talented young scientists | ||
citizens who have lived for at least 10 years in hostels, in residential premises of the state housing stock under contracts for the sublease of housing, etc., who are registered in need of improvement of housing conditions during the specified period | ||
citizens carrying out construction (reconstruction) or purchase of residential premises in settlements with a population of up to 20 thousand people and in satellite cities | ||
low-income citizens engaged in the construction (reconstruction) of residential premises in settlements in the south-eastern region of the Mogilev region | ||
judges and prosecutors, citizens from among prosecutors who were dismissed from service in the prosecutor's office due to age, health status, etc. | ||
citizens working in settlements in the southeastern region of the Mogilev region, belonging to low-income citizens who are engaged in the construction (reconstruction) of residential premises in settlements in the southeastern region of the Mogilev region |
but not more than the interest rate on the loan |
CP - refinancing rate, from 20 November 2019 - 9%.
For clarity, here's an example:
For a large family with 3 children, the subsidy will cover 11% (refinancing rate 9% + 2 percentage points) out of 12% per annum and 95% of the principal amount. And if the family has 4 or more children, the subsidy will fully cover the payment of interest on the loan, as well as 100% of the principal debt.
Please note that the amount of the subsidy depends on the composition of the family. If it changes, the amount of the subsidy will be recalculated.
The last time the amount of state support for construction was changed on March 1, 2019. According to Decree No. 474 "On State Support for Construction (Reconstruction) or Acquisition of Residential Premises", it increased for such categories of citizens as:
- orphans - the amount of the subsidy was increased from 35% to 50% (for the repayment of the principal debt)
- low-income citizens who build housing and work in settlements in the south-eastern region of the Mogilev region - the amount of the subsidy has been increased by 4 percentage points. (to pay part of the interest)
- citizens raising children with disabilities - granted the right to receive a subsidy to pay off 50% of the principal debt on commercial loans
In addition, Decree No. 474 establishes a number of restrictions to receive state support for able-bodied citizens not employed in the economy. These restrictions came into effect on March 1, 2019. State support will not be provided to families in which all able-bodied family members are not employed in the economy. However, they have been given the right to reapply for it, if the grounds for classifying them to the above category of citizens have disappeared.
How is it going?
The granting of a subsidy is possible only when the queue of those in need of better housing conditions approaches and is classified as low-income.
Decisions on the provision of subsidies are made by district, city executive and administrative bodies, local administrations.
- To receive a subsidy, citizens in the order of their status registered with those in need of better housing conditions are invited to the executive committee at the place of their status with such registration and they offer the construction of living quarters in specific house
- With the consent of a citizen for construction under Decree No. 240, he submits an application to the executive committee
- The Executive Committee makes a decision on the provision of a subsidy, with which a citizen applies to any bank operating under Decree No. 240, where a loan agreement is concluded
- Then the contract is submitted to the executive committee that made the decision on the subsidy
- Subsidy payment in progress
As you can see, Decree No. 240 offers a very convenient and profitable tool for improving housing conditions. And if you fall into the category of those who are entitled to the agreed benefits, you can consider yourself lucky!
Information presented as of January 4, 2020.Decree No. 13 of January 6, 2012 On some issues of providing citizens with state support for the construction (reconstruction) or purchase of residential premises
On some issues of providing citizens with state support for the construction (reconstruction) or acquisition of residential premises
In order to implement the state housing policy and streamline the conditions for providing citizens with state support for the construction (reconstruction) or purchase of residential premises:
1. Establish that:
1.1. the right to receive preferential loans for construction (reconstruction) or purchase of residential premises is granted:
Military personnel *;
Citizens who, in accordance with legislative acts, have the right to extraordinary receipt of residential premises for social use of the state housing stock;
Able-bodied adult family members of a tenant of a dwelling under a contract of lease of a dwelling for social use of the state housing stock in the event of his death or departure for permanent residence in another dwelling, who does not have a dwelling of the state housing stock in use on the basis of a lease agreement or in the ownership of another dwelling in this settlement with a total area of 15 sq. meters or more (in Minsk - 10 square meters or more) per person who meets the sanitary and technical requirements established for living - during the period of validity of the contract for the lease of residential premises for social use concluded in accordance with legislative acts with one of them state housing stock;
________________________
* The definition of this category, the size and procedure for granting preferential loans and other types of state financial support are regulated by the Decree of the President of the Republic of Belarus dated April 3, 2008 No. 195 "On some social and legal guarantees for military personnel, judges and prosecutors" (National Register of Legal Acts Republic of Belarus, 2008, No. 83, 1/9603).
To adult members of the family of a deceased (deceased, recognized as missing) tenant of an official residential premises of the state housing stock - during the term of the contract for the lease of official residential premises of the state housing stock concluded in accordance with legislative acts;
Low-income citizens of the Republic of Belarus who are registered in need of better housing conditions (with the exception of citizens recognized as needing better housing conditions on additional grounds provided by organizations in collective agreements), from among:
Large families;
Citizens whose families include children with disabilities, as well as disabled people from childhood I and II groups;
Citizens who have fallen ill and have suffered radiation sickness caused by the consequences of the disaster at the Chernobyl nuclear power plant, other radiation accidents, disabled people, in relation to whom a causal relationship has been established between injury or illness that led to disability, with the disaster at the Chernobyl nuclear power plant, other radiation accidents;
Veterans of hostilities on the territory of other states from among the categories of citizens provided for in paragraphs 1 - 3 of part one of Article 3 of the Law of the Republic of Belarus of April 17, 1992 "On Veterans" 15, Article 249; National Register of Legal Acts of the Republic of Belarus, 2001, No. 67, 2/787);
Citizens living in residential premises recognized as unfit for living in accordance with the established procedure;
Young adult citizens who are laureates of the special fund of the President of the Republic of Belarus for social support of gifted pupils and students and (or) the special fund of the President of the Republic of Belarus for support of talented youth - in agreement with the Ministry of Education, the Ministry of Culture and in accordance with documents confirming this title ... In this Decree, young citizens are understood as persons under the age of 31;
Citizens who were awarded scholarships of the President of the Republic of Belarus for talented young scientists - in agreement with the National Academy of Sciences of Belarus and in accordance with documents confirming the appointment of these scholarships issued by the organizations that paid them;
Citizens who have lived for at least 10 years in dormitories, in residential premises of the state housing stock under contracts for the sublease of residential premises, in residential premises of private housing stock under contracts for the lease of residential premises, which, including jointly living family members and separately living spouses, do not have a ownership of residential premises (the total area of residential premises attributable to a share in the right of common ownership of residential premises), including those located in other settlements of the Republic of Belarus;
Citizens engaged in construction (reconstruction) or purchase of residential premises in settlements with a population of up to 20 thousand people;
Judges and prosecutors;
Young families with two minor children at the date of approval of the lists for obtaining preferential loans.
Foreign citizens and stateless persons permanently residing in the Republic of Belarus enjoy the right to receive preferential loans for construction (reconstruction) or purchase of residential premises on an equal basis with citizens of the Republic of Belarus, unless otherwise provided by laws and international treaties of the Republic of Belarus.
The conditions and procedure for classifying citizens as low-income citizens for the provision of soft loans, subsidies and other forms of state support for the construction (reconstruction) or purchase of residential premises are determined by the Council of Ministers of the Republic of Belarus;
1.2. an extraordinary right to receive preferential loans are:
Large families;
Citizens whose families include children with disabilities, as well as people with disabilities from childhood I and II groups;
Citizens who have lived for at least 10 years in hostels, in residential premises of the state housing stock under contracts for the sublease of residential premises, in residential premises of private housing stock under contracts for the lease of residential premises, which, including jointly living family members and separately living spouses, do not have a ownership of residential premises (the total area of residential premises attributable to a share in the right of common ownership of residential premises), including those located in other settlements of the Republic of Belarus;
Able-bodied adult members of the family of a tenant of a dwelling under a contract of lease of a dwelling for social use of the state housing stock in the event of his death or departure for permanent residence in another dwelling, who do not have in use dwelling of the state housing stock on the basis of a lease agreement or in the ownership of another dwelling in this settlement with a total area of 15 sq. meters or more (in Minsk - 10 square meters or more) per person who meets the sanitary and technical requirements established for living - during the period of validity of the contract for the lease of residential premises for social use concluded in accordance with legislative acts with one of them state housing stock;
Adult members of the family of a deceased (deceased, recognized as missing) tenant of an official residential premises of the state housing stock - during the term of the contract for the lease of official residential premises of the state housing stock concluded in accordance with legislative acts;
1.3. citizens of the Republic of Belarus who have the right to receive preferential loans (with the exception of citizens specified in paragraphs two and seventeen of the first part of subparagraph 1.1 of this paragraph) are entitled to receive one-time subsidies for construction (reconstruction) or purchase of residential premises.
The right to joint use of a soft loan and a one-time subsidy for construction (reconstruction) or purchase of residential premises are:
Citizens who, in accordance with legislative acts, have the right to an extraordinary receipt of residential premises for social use of the state housing stock;
Veterans of hostilities on the territory of other states from among the categories of citizens provided for in paragraphs 1 - 3 of part one of Article 3 of the Law of the Republic of Belarus “On Veterans”;
Citizens living in residential premises recognized in the established manner as unfit for living;
Citizens who have fallen ill and have suffered radiation sickness caused by the consequences of the disaster at the Chernobyl nuclear power plant, other radiation accidents, disabled people, in relation to whom a causal relationship has been established between injury or illness that led to disability, with the disaster at the Chernobyl nuclear power plant, other radiation accidents;
Citizens whose families include children with disabilities, as well as people with disabilities from childhood I and II groups.
Citizens from among those entitled to receive a one-time subsidy for construction (reconstruction) or purchase of residential premises not specified in part two of this subparagraph have the right, at their choice, to use either concessional loans or one-time subsidies for construction (reconstruction) or purchase of residential premises ...
One-time subsidies for construction (reconstruction) or purchase of residential premises out of turn are provided to citizens who have the right to receive out of turn soft loans for these purposes.
Young families, as well as citizens permanently residing and working in rural areas, are entitled to a one-time subsidy to pay off debt on a preferential loan received for the construction (reconstruction) or purchase of housing.
A one-time subsidy for the repayment of debt on a concessional loan received for the construction (reconstruction) or purchase of residential premises is provided to young families, as well as citizens permanently residing and working in rural settlements, after putting a residential building into operation (purchasing residential premises) in equal shares within the terms established by the loan agreement.
The transfer of funds from local budgets for the provision of one-time subsidies for the repayment of debt on preferential loans is carried out monthly in accordance with the applications of the open joint-stock company "Savings Bank" Belarusbank.
Citizens who have the right to receive one-time subsidies for construction (reconstruction) or the purchase of residential premises and to pay off preferential loans can use the right to receive one of the types of one-time subsidies.
The provision of one-time subsidies for the construction (reconstruction) or purchase of residential premises and for the repayment of debt on soft loans received for the construction (reconstruction) or purchase of residential premises is carried out on the terms and in the manner determined by the Council of Ministers of the Republic of Belarus;
1.4. preferential loans for construction (reconstruction) or purchase of residential premises are provided by the open joint-stock company Savings Bank Belarusbank.
The maximum size of a concessional loan for the construction (reconstruction) of a dwelling is determined by the standardized size of the total area of the dwelling, determined in accordance with sub-clause 1.6 of this clause, taking into account the standards for the total area of the dwelling under construction (reconstruction) established in sub-clause 1.5 of this clause, and by the indicator construction cost of 1 sq. meters of the total area of residential premises of typical consumer qualities for the corresponding type of residential buildings, approved by local executive and administrative bodies, and should not exceed 90 percent (for large families - 100 percent) of the construction cost of the standardized dimensions of the total area of residential premises of typical consumer qualities.
The maximum period for which soft loans are provided should not exceed 20 years (for large families - 40 years).
The interest for the use of these loans during their maturity is set in the following amounts:
For large families - 1 percent per annum;
For citizens permanently residing and working in settlements with a population of up to 20 thousand people - in the amount of 10 percent of the refinancing rate of the National Bank, in effect on the date of approval of lists for obtaining soft loans, but not less than 3 percent per annum;
For other categories of citizens specified in paragraphs three through sixteen of the first part of sub-clause 1.1 of this clause - in the amount of 20 percent of the refinancing rate of the National Bank in effect on the date of approval of the lists for obtaining preferential loans, but not less than 5 percent per annum;
For young families with two minor children who do not belong to the categories of citizens specified in paragraphs three through sixteen of the first part of subparagraph 1.1 of this paragraph - in the amount of 50 percent of the refinancing rate of the National Bank in effect on the date of approval of the lists for obtaining preferential loans, but not less than 5 percent per annum.
The margin of the open joint stock company Savings Bank Belarusbank is 3 percent per annum.
In cases of employment and (or) relocation of borrowers and (or) their spouses, permanently residing and working in settlements with a population of up to 20 thousand people, during the period of issuing a preferential loan and the construction (reconstruction) of residential premises in settlements with a population of population over 20 thousand people recalculate the amount of interest for using a preferential loan, taking into account the norms provided for in paragraph four of part four of this subparagraph, as of the date of the loan agreement.
Families who have acquired the status of a large family after concluding a loan agreement, the period for which soft loans are provided increases to 40 years. The interest rate for the use of these loans during their maturity is set at 1 percent per annum based on the amount owed as of the date of submission of documents to the open joint-stock company "Savings Bank" Belarusbank. If the family loses this status during construction or during the repayment period of the soft loan, the conditions of the soft loan will not change.
The cost of the construction of residential premises in rural settlements, carried out by citizens who permanently live and work in them, as well as the construction of residential premises in settlements with a population of up to 20 thousand people, carried out by large families, includes the cost of construction of the outbuildings provided for by the project in the amount of up to 20 percent of the cost of construction of standardized dimensions of the total area of residential premises of typical consumer qualities, determined in accordance with subparagraph 1.6 of this paragraph;
1.5. standards for the total area of a residential building under construction (reconstructed) to determine the size of a preferential loan are set at 20 sq. meters (in Minsk - 15 sq. meters,
and for large families - 20 sq. meters) per family member (during the construction of a one-room apartment for one person, a one-apartment residential building - 30 square meters), and for citizens who permanently live and work in rural settlements and build (reconstruct) single-family or blocked residential buildings in them, - 30 sq. meters (for the construction of a single-family residential building for one person or a one-room apartment in a blocked residential building - 44 square meters).
For Heroes of Belarus, Heroes of the Soviet Union, Heroes of Socialist Labor, full holders of the Orders of Glory, Labor Glory, as well as citizens who, in accordance with the legislation, have the right to additional living space for health reasons, these standards for the total area of living space are increased by 15 sq. meters for each family member who has the right to additional living space for the listed reasons.
Citizens engaged in construction (reconstruction) or purchase of residential premises with a total area of less than 15 sq. meters
(in Minsk - less than 10 square meters) per person, a preferential loan is provided subject to the voluntary expression of the will of these citizens and their family members included in the lists for obtaining preferential loans, to deregister those in need of better housing conditions;
1.6. the lists for obtaining concessional loans indicate the normalized sizes of the total area of residential premises, which are set minus the total area of residential premises owned by the borrower and his family members (including the total area of residential premises attributable to the shares in the right of common ownership of residential premises), as well as the total area of residential premises that were owned and alienated by the borrower and (or) his family members for 3 years prior to the conclusion of the loan agreement (including the total area of residential premises belonging to the owned and alienated by the borrower and (or) his family members for 3 years before the conclusion of the loan agreement for a share in the common ownership of residential premises). The total area of a dwelling, attributable to a share in the right of common ownership of a dwelling, is determined on the basis of the total area of a dwelling in proportion to the size of a share in the right of common ownership of a dwelling.
The total area of residential premises owned by the borrower and his family members (including the total area of residential premises attributable to the share in the common ownership of residential premises owned by the borrower and his family members), taken into account when establishing the standardized sizes of the total area of residential premises for for calculating the amount of a preferential loan, is reduced by the standard for the total area established in subparagraph 1.5 of this paragraph, attributable to each remaining resident in the living quarters of a family member of the borrower taken into account.
In case of alienation by the borrower and (or) members of his family of the dwelling in their ownership (their share in the right of common ownership of the dwelling) within 3 years
Before concluding a loan agreement and acquiring ownership of another residential premises (shares in the common ownership of residential premises), residential premises of a larger area are taken into account from these residential premises (shares) (the share that accounts for a large area of residential premises).
The normalized dimensions of the total area of the residential premises taken into account for determining the size of the concessional loan are established minus the total area of residential premises of the organizations of developers,
for which share contributions were paid by the borrower and (or) members of his family, and residential premises for which the borrower and (or) members of his family paid the price of the object of shared construction, as well as taking into account the total area of residential premises that are in commissioned residential houses (start-up complexes), the construction of which was carried out by the borrower and (or) his family members.
The normalized dimensions of the total area of a dwelling taken into account for determining the amount of a concessional loan are set without taking into account the total area of a dwelling (including the total area of a dwelling attributable to a share in the common ownership of a dwelling):
For the reconstruction of which a preferential loan is provided;
alienated (including in case of alienation of a share in the right of common property) by the borrower and (or) members of his family to jointly living family members, if the total area of the said premises (the total area of the living quarters attributable to the share in the right of common ownership of the dwelling) is taken into calculation of the standardized size of the total area to determine the size of a preferential loan for a given family.
In the event of a gratuitous transfer under a donation agreement by borrowers and (or) members of their families of residential premises (shares in the right of common ownership of residential premises), including those recognized in the established manner unsuitable for habitation, to local executive and administrative bodies, and by military personnel - also to the Ministry defense and other state bodies that have military formations and paramilitary organizations, the standardized sizes of the total area of \ u200b \ u200bthe living quarters for determining the size of the concessional loan are taken into account in the prescribed manner, without taking into account the area of the transferred residential premises (the area of residential premises attributable to the transferred shares in the right of common ownership to Living spaces).
When the family composition of the borrower changes during the construction or reconstruction of a dwelling with the use of a preferential loan, the amount of the preferential loan is recalculated.
The dwelling premises of the state housing stock occupied under the lease agreement, in which the persons retaining the right to use it, in accordance with the legislation, do not remain, shall be rented out to the lessor.
If, in the process of construction (reconstruction) of a dwelling, the borrower and (or) members of his family acquired the ownership of a dwelling (a share in the right of common ownership of a dwelling) by privatizing the occupied dwelling of the state housing stock, under a sale and purchase agreement, donation, by inheritance and on other grounds provided for by legislative acts, the relying amount of the preferential loan is recalculated in accordance with this subparagraph;
1.7. concessional loans for the construction (reconstruction) of residential premises are allocated taking into account the cost of work on the production of design and estimate documentation.
When acquiring under a contract of sale of unfinished residential buildings (apartments) and ineffectively used buildings and structures that are in state ownership, in order to calculate the amount of a soft loan allocated for the construction (conversion into residential premises) of these objects, their cost is taken into account at the time conclusion of an appropriate contract, as well as the residual value of construction (conversion into residential premises) of these objects.
When these objects are transferred free of charge, the amount of a soft loan is calculated based on the residual cost of their construction (conversion into residential premises), taking into account the standards provided for soft loans.
Sale and purchase agreements or gratuitous transfer to developers of unfinished residential buildings (apartments) and ineffectively used buildings and structures with an indication of their value are concluded before the opening of a credit line by the open joint-stock company Savings Bank Belarusbank;
1.8. preferential loans for the purchase of residential premises are provided to citizens in an amount not exceeding 90 percent (for large families - 100 percent) of the maximum loan amount allocated for the construction (reconstruction) of housing in accordance with subparagraphs 1.4 - 1.6 of this paragraph (except for residential premises built organizations and individual entrepreneurs specifically for sale), and the estimated value of the acquired dwelling, determined in the manner established by the Council of Ministers of the Republic of Belarus.
Citizens who are registered in need of improved housing conditions at their place of residence, as well as at the place of work (service) (with the exception of citizens registered in need of improvement of housing conditions at the place of work (service) in state bodies (except for regional, city executive and regulatory bodies, local administrations), entitled in accordance with part one of subparagraph 1.9 of this paragraph to approve lists for obtaining preferential loans, as well as in organizations that are part of their system or subordinate to them), who have expressed a desire to improve living conditions by purchasing residential premises , are included by local executive and administrative bodies in the lists for obtaining preferential loans in the event that in the settlement at the place of residence of citizens who improve their living conditions (for citizens living in rural settlements, urban-type settlements, cities of district subordination - within the borders corresponding area), in populated about the m point at the location of the organizations that have taken citizens on record in need of improving their living conditions, the construction of residential buildings is not carried out by equity participation or by organizations of developers created at the initiative of local executives
and regulatory bodies.
Citizens who are registered in need of improved housing conditions at the place of work (service) in state bodies (except for regional, city executive and administrative bodies, local administrations), who, in accordance with part one of subparagraph 1.9 of this paragraph, to approve lists for receipt concessional loans, as well as in organizations that are part of their system or subordinate to them, who have expressed a desire to improve housing conditions by purchasing residential premises, are included in the lists for obtaining concessional loans in the event that the construction of residential buildings is not carried out in the settlement at the place of purchase of housing by equity participation either by organizations of developers created both at the initiative of the relevant state bodies and at the initiative of local executive and administrative bodies with the participation of these state bodies.
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