Apartment for a large family in Belarus. All about benefits for large families
Soviet times are in the distant past, but the queues for free apartments have not gone away. "AiF" learned how to get free housing.
Large families
Large families have privileged rights to receive a free apartment. It is easier and faster for them to acquire the treasured meters. A large family has an extraordinary right to receive preferential loan or housing subsidies. If there are three children in the family, then the state pays 75% of the debt on loans issued; in the presence of four or more minor children - 100% of the loan debt. Plus - this category of citizens a loan for housing construction is issued for 40 years and at the most low interest. The loan covers the cost of up to 20 square meters for each family member, and the loan can be up to 100% of the cost of housing. But all this is possible under certain conditions:
A large family should be low-income;
Be on the list of large families in need of improvement living conditions and eligible for soft loans or one-time subsidies;
Have at least 3 children under the age of 23 who are not married and live with their parents, including those studying or doing military service.
Military personnel, police officers, employees of the Ministry of Emergency Situations, the KGB, employees of the operational-analytical center, as well as employees of the presidential security service, the KGB financial investigation department, judges, prosecutors, as well as former military who are registered who need to improve their living conditions at the place of residence at least 6 months before the day of dismissal.
The apartment is not completely free, but still, you can’t usually buy housing in our country for that kind of money.
Call of Duty
The next way to get an apartment is the privatization of a commercial apartment (formerly a service apartment). But this must be done before July 1, 2016. Thus, according to the Housing Code of the Republic of Belarus, certain categories of citizens who were provided with official housing before April 8, 2006, have the right to transfer ownership of such residential premises, namely: judges and prosecutors, provided that on the date of application they are listed as needy in improving housing conditions, have worked for 10 years or more (judges of the Constitutional Court of the Republic of Belarus - 8 years or more); military personnel, private and commanding officers, including those who have been transferred to the reserve (retired) and have served in military service for 10 years or more, and other categories.
social housing
In our country, there are citizens who have the right to receive social housing. Social housing is provided for an indefinite period and is free of charge. The only thing that citizens cannot do with social housing is to privatize it, exchange it, sell it or rent it out.
The procedure for providing residential premises for social use is determined by the norms Housing Code Belarus. The right to receive such "free" housing is granted certain categories citizens who are registered as needing better housing conditions. In particular, these include citizens whose living quarters have become uninhabitable due to natural and man-made emergencies, hostilities and terrorist acts; citizens or their children with diseases in which cohabitation with them in the same room or one-room apartment impossible.
Orphans and children left without parental care, Heroes of Belarus, full cavaliers of the Orders of Glory and Labor Glory, veterans and invalids of the Great Patriotic War and invalids of military operations on the territory of other states can count on receiving social housing. And this is not the whole list of those who can claim free meters.
Paradise in a hut
The next method is suitable for those who already own housing - if you can call it that ... In this category of applicants for free apartment includes citizens living in houses under demolition. They receive new apartments, usually within the limits of a given locality, without worsening their living conditions. So, if a resident is the owner of an apartment, then he has the right to expect to receive ownership of another residential building (monetary compensation in the amount of the market value of the demolished home ownership is still possible). Moreover, the total area of the provided residential premises must be no less than the area of the house or apartment that is subject to demolition. At the same time, at least 15 square meters are allocated for each person.
Care in exchange for ... an apartment
This method cannot be called a full-fledged way to get an apartment for free for one reason - it will require certain costs from the new owner of the apartment associated with the conclusion of a rental agreement. The concept of rent is contained in Article 554 Civil Code The Republic of Belarus. The meaning of the rental agreement is that one of the parties agrees to transfer an apartment to the other party in exchange for certain obligations: to periodically pay the rentee a certain sum of money or provide funds for its maintenance in another form.
Such contracts are usually concluded by elderly lonely people who have no one to leave their apartment as an inheritance and who are afraid that towards the end of their lives there will be no one to take care of them. For the recipient of the apartment, such cooperation is also beneficial, because in the vast majority of cases, the costs of maintaining an elderly owner of housing are disproportionately small compared to market value apartments.
Decree No. 240 has already entered into force on 7 August. And this means that the allocation of targeted subsidies in the field is about to begin. Who and how in a dream to find their own " square meters» Will the state support the ruble?
Only the one who is registered in need of better housing conditions. At the same time, subsidies will be issued for the repayment of interest:
- Preferential category of citizens listed in the Decree of the President of the Republic of Belarus dated January 6, 2012 No. 13 “On some issues of providing citizens state support in the construction (reconstruction) or acquisition of residential premises.
- The current prosecutor's employees and those already dismissed due to age, health status, as well as due to a reduction in the number or staff of employees (due to organizational and staffing activities). Important here is the length of service in the prosecutor's office - at least 5 calendar years.
- Low-income citizens who build or reconstruct housing in the Mogilev region (in the territories of Krichevsky, Klimovichsky, Krasnopolsky, Kostyukovichsky, Slavgorod, Cherikovsky and Khotimsky districts).
- large families with 3 or more minor children;
- young low-income families at birth (adoption, adoption) of the first and (or) second child;
- orphans and those left without parental care;
- tenants of social housing, which they were provided as orphans and children left without parental care. The subsidy can be allocated while it is valid fixed-term contract renting such accommodation.
- for the construction of housing in multi-apartment and semi-detached houses of economy class, which are included in the list approved by the Ministry of Architecture and Construction of the Republic of Belarus, as well as for the construction (reconstruction) of single-apartment residential buildings;
- for residential renovation.
What can be subsidized?
1. Only a portion of the interest on a home construction loan obtained in any commercial bank.
2. Part of the interest and principal on the loan.
! Unlike a concessional loan, compensation from the budget will not be paid to the bank, but directly to the citizen.
What is the amount of subsidies for paying part of the interest on the loan?
1. For large families with 3 minor children - refinancing rate + 2% * .
2. For large families with 4 or more minor children - refinancing rate + 3% * .
3. Large families with 3 or more children under the age of 23, as well as orphans - refinancing rate + 2% * .
* if smaller interest rate on the loan is not specified in the contract
4. Others in need of better living conditions: refinancing rate - 2%. That is 9.5%.
What is the amount of subsidies for repayment of the principal debt?
Only for young and large families, orphans:
- for large families with 3 minor children - 95% of the principal debt on the loan;
- for large families with 4 or more minor children - 100% of the principal debt on the loan.
– for young families at birth (adoption, adoption):
- the first child - 10% of the principal debt on the loan;
- second child - 20% of the principal debt on the loan.
! The amount of the subsidy will be recalculated when the composition of the family changes (first, the base cost of the loan will be recalculated, then the appropriate changes will be made to the decision of the district (city) executive committee).
MP calculator
Since now Belarusbank and Belagroprombank for housing construction issue loans for 20 years at 14.5% per annum (refinancing rate + 3%), in practice, repayment of debt to these banks through targeted subsidies looks like this:
- for large families with 3 children, the subsidy will cover 13.5% (refinancing rate 11.5% + 2%) per annum out of 14.5%;
- for large families with 4 children, the subsidy will fully cover the payment annual interest on a loan (14.5% per annum - 14.5% subsidy);
- for all the rest, the subsidy will cover 9.5% per annum out of 14.5%.
It is always easier to understand the essence of any innovation through examples. We take as a model different families that can count on state support under Decree No. 240, and calculate how much more affordable a commercial loan for housing has become in monetary terms.
What part of the living space will be subsidized to pay part of the interest on the loan?
Example 1
The maximum normalized cost of a dwelling to provide a subsidy for the payment of part of the interest to this family will be 35,640 rubles: 20 sq. meters * x 3 people x 660 rubles ** x 90%.
Example 2 A family of 3 with a disabled child was referred on a first-come, first-served basis to share building 3-room apartment with a total area of 70 sq. meters. The cost of 1 sq. meters - 800 rubles. However, the family already owns a 1-room apartment of 30 sq. meters.
In this case, the maximum normalized cost of housing to provide a subsidy for paying part of the interest to this family will be 17,820 rubles: (20 square meters x 3 people - 30 square meters) x 660 rubles x 90%.
Example 3 A large family with 3 children, in order of priority, was sent to share the construction of a 4-room apartment with a total area of 90 sq. meters. The cost of 1 sq. meters - 800 rubles.
The maximum normalized cost of a dwelling to provide a subsidy for the payment of part of the interest for this large family will be 66,000 rubles: 20 sq. meters x 5 people x 660 rubles x 100%.
Example 4 A large family with 3 children, in order of priority, was sent to share the construction of a 4-room apartment with a total area of 90 sq. meters. The cost of 1 sq. meters - 800 rubles. The family already owns a 1-room apartment of 30 sq. meters.
The maximum normalized cost of a dwelling to provide a subsidy for the payment of part of the interest to this family will be 46,200 rubles: (20 square meters x 5 people - 30 square meters) x 660 rubles x 100%.
Example 5 A large family with 3 children takes out a loan for the construction of a one-family residential building with a total area of 150 sq. meters in a settlement with a population of up to 20 thousand people. The cost of 1 sq. meters of the house (excluding the cost of outbuildings) - 1000 rubles. The construction of a residential building (excluding the cost of outbuildings) will cost the family 150,000 rubles. Price outbuildings- 15,000 rubles.
The maximum normalized cost of housing for the provision of subsidies to this large family (excluding the cost of outbuildings) will be 66,000 rubles: 20 square meters. meters x 5 people x 660 rubles x 100%.
The maximum normalized cost of housing for the provision of subsidies to this large family, taking into account the cost of construction provided project documentation outbuildings will amount to 79,200 rubles: 66,000 rubles x 20% + 66,000 rubles.
Example 6 A family of 3 with a disabled child was sent in turn to the shared construction of a 3-room apartment with a total area of 70 sq. meters. The cost of 1 sq. meters - 800 rubles.
The maximum normalized cost of a dwelling to provide a subsidy for the payment of part of the interest to this family was 35,640 rubles: 20 sq. meters x 3 people x 660 rubles x 90%.
However, while the apartment was being built, another child was born in the family. Therefore, the maximum normalized cost of housing for the provision of subsidies for the payment of part of the interest to this family was recalculated. As a result, it amounted to 47,520 rubles: 20 sq. meters x 4 people x 660 rubles x 90%.
For reference
* 20 sq. meters - standard total area housing under construction (reconstruction), established in subparagraph 1.5 of Decree No. 13.
** 660 rubles - the marginal standard for the cost of 1 square. meters of the total area of the dwelling, as defined by the second paragraph of paragraph 8 of the Decree of the Council of Ministers of December 29, 2016 No. 1113.
In Belarus, a family with three or more children is considered to have many children. This provision is enshrined in Art. 62 of the Code of the Republic of Belarus on marriage and family. This status is confirmed by a certificate issued by local executive and administrative bodies. The state helps such families by providing various benefits, gratuitous subsidies, family capital, as well as other benefits.
vk.com
First of all, I would like to note that in order to receive discounts, benefits or additional bonuses, you need to present a certificate of a large family and, just in case, take a copy of it with you. You may be asked to issue special card buyer or visitor, and a copy of the certificate will be taken away for reporting. Be prepared for the fact that in addition to the certificate, you will be asked to present also a passport or any other document proving your identity.
So, let's move on to the benefits, guarantees and financial assistance that a family receives along with the status of "large families".
Family (maternity) capital
Kapital-rus.ru
Family capital is a one-time financial help state, which is provided to citizens of the Republic of Belarus permanently residing on its territory. The right to maternity capital appears after the third or subsequent child has appeared in the family (born or adopted) in the period from January 1, 2015 to December 31, 2019. A mother (stepmother) can apply to the executive committee for registration of family capital in a complete family, a parent in an incomplete family, an adoptive parent (adopter).
When assigning capital, children are not taken into account:
- over whom guardianship (trusteeship) is established;
- in relation to which the parents (parent) are deprived of parental rights;
- selected from the family;
- deceased;
that were abandoned by their parents.
The important point is that family capital can be received only once and used for the purposes specified by the legislation:
- improvement of living conditions;
- getting an education;
- receiving services in the field of social services, healthcare;
- formation of a funded (additional) pension for a mother (stepmother) in a complete family, a parent in an incomplete family.
For appointment maternity capital the applicant must apply to the executive body within 6 months from the date of birth (adoption) of the child. You will be asked to write an application of the established form, as well as ask for the following documents:
- passport;
- birth certificates of children (a copy of the adoption decision);
- Marriage certificate;
- a document proving the identity of the spouse.
tax incentives
Home73.ru
Tax credits are exemptions or reductions in tax rates state fees. Families raising three or more children are exempt from land and real estate tax on apartments, structures, buildings, parking spaces. It should be noted that this benefit is not provided in case of using real estate or land for business activities.
When accruing wages parents use increased tax deduction for children by income tax. For comparison, at present this tax for parents with many children is 57.00 bel. rub. for every child. For those who have one child - 30.00 Bel. rub. The single tax rate has also been reduced by 20% if one or both parents are individual entrepreneurs and pay this fee. To receive benefits in tax office you need to present an identity document (for example, a passport) and a certificate of a large family.
Parents with many children are granted benefits on customs payments when they import goods into the customs territory of the Republic of Belarus for personal, household, family and other needs not related to entrepreneurial activities. In order to be exempted from paying customs duties, one of the parents must apply in writing to the district executive committee with a justification for the need to provide benefits for customs payments.
Benefits for children
medaboutme.ru
When registering a child from a large family in Kindergarten or school, do not forget to also bring a copy of the certificate, a certificate of family composition and place of residence. Since in this case the state provides its support. So, in preschool institutions, payment for meals is reduced by half. The decision to reduce your fee must be made within 5 days of your application.
At school, children from large families have the right to:
- for free meals during the school year, that is, from September 1 to June 1. To do this, the legal representative of the child should apply with an appropriate application to the school administration with a certificate of a large family attached to it. The child will start receiving free food from the day the decision to provide it is made. Legislation has 5 days to make a decision;
To pay for textbooks in the amount of 50% of the established amount. To do this, the family provides the school with a copy of the certificate, a certificate of family composition and place of residence before August 15;
Free education in art schools;
- obtaining a ticket to a health camp with a round-the-clock stay. By general rule such vouchers are issued no more than once a year.
Also, the Republic of Belarus provides for the payment of one-time financial assistance by the academic year to families raising three or more children studying in institutions of general secondary education.
If a child is studying at a vocational school on a paid basis, then for children from large families a discount of 40% of the cost of education is provided. An important condition is the end of the academic year with an average score of 6 or higher. In counting this indicator marks obtained in differentiated tests, exams, practice, for term papers and theses are taken into account. Thus, a student can receive a discount on tuition only from the 2nd year. If the student is in arrears in subjects, then the right to a discount is lost. Also, this benefit will be canceled in case of receiving unsatisfactory grades during the session, violation of the internal regulations of the educational institution and public order.
For university students, the amount of the discount is determined by the institution itself.
Benefits for parents
i2.wp.com
According to the legislation, parents with many children are given 1 additional day off during the working week with the payment of an average wage. This privilege valid if the family brings up three or more children under 16 years of age. This right can be exercised by the mother or father at their discretion.
Both parents must be employed. And the parent who applies for the extra day off must be employed at a full-time job, while the working time must be at least 40 hours.
For registration, you will need the following documents: an application indicating the preferred day off, a birth certificate of the child (children), a certificate of residence and family composition. The employer will issue an order to grant you a free day within 3 working days from the date of application.
Retirement Benefits
Mtdata.ru
A woman who has given birth to five or more children has the right to retire earlier than the term established by law.
For 5 years, if they raised children under 8 years old and have at least 15 years of work experience;
- at any age, if they raised children under 16 and worked for 10 years in the production of agricultural products (for example, on a collective farm, state farm). At the same time, the time of caring for children is not counted in the 10-year experience.
Mothers who have given birth and raised 5 or more children under the age of 1 year, if these children are alive, are awarded the Order of the Mother. Along with the award, the woman is entitled to receive cash payment in the amount of five budgets living wage. Upon reaching the age of 55, the mother is entitled to an increase in pension for special merit. A mother with many children who receives a disability pension also has this right.
Benefits for paying utility bills, television
radical.ru
The state provides large families with benefits when paying for housing and communal services. After obtaining the status of having many children, the family pays at subsidized tariffs for the population, regardless of consumption volumes for services of gas, electricity, water supply and sewerage, as well as liquefied hydrocarbon gas from individual cylinder installations.
Please note that when registering a large family at the place of residence at two or more addresses, payment benefits utilities are provided to only one address of the applicant's choice.
byfly introduced a new tariff plan"Social Unlim 3", "Social Unlim 10" focused on those "who need special treatment and have the right to count on the support of others." When connecting to these service packages, do not forget to take with you a certificate of having many children, as well as a passport.
Holidays at a reduced price
vkpress.ru
A large family can walk for free. Throughout the year, in this realm of beautiful flowers, useful herbs, interesting exotic plants, powerful trees with their own history, many interesting events are held: festivals, parties, lectures, excursions, exhibitions, game holidays.
In the parks of culture and recreation and, and there is a separate reduced rate for visiting attractions for children from large families.
It also provides an interesting offer for those who have many children. In order to enjoy the starry sky of the Planetarium, watch a spherical film, the family can only buy tickets for adults. Children are admitted to the session free of charge.
Everyone will be able to admire amazing exotic animals, many of which are listed in the International Red Book, as well as see rare representatives of the fauna of our country. In addition, various festive events, concerts, quests, educational workshops are held here, which can be accessed with an entrance ticket to the park. Relatively recently, the zoo began to provide discounts on tickets for large families. A ticket to visit the zoo will cost 6.00 rubles per person, and a zoo + dinopark ticket will cost 10.00 rubles.
dubna-24.ru
Recreation at a discount is offered to large families by entertainment centers, recreation parks, and water parks.
Provides a 10% discount for families with many children. To do this, in addition to a certificate of having many children, you also need to provide an identity card for each family member.
Services are available with a 20% discount (from the "Adult" tariff) for visiting the Aquazone (all services), BTK (all services) and Bowling. An important point: the discount is provided subject to visiting with children under the age of 18.
A 20% discount is provided for a birthday party with a transformer show and a live postcard, a fabulous quest where children can go through the rope town tracks, as well as quad biking and shooting at a shooting range.
Children from large families can try on different roles with a 5% discount.
The family entertainment center offers families with many children to visit the children's maze, triple Q-zar laser battles, ride pony bikes, shoot at the laser shooting range, as well as xd-motion car simulator and watch 5D movies with a 30% discount.
In an indoor theme park, when you provide a certificate of having many children, you will be offered to receive an additional bonus of 20% of the amount paid to the guest card.
The game labyrinth, air guns, inflatable attractions and play areas in the children's entertainment center are offered at a 20% discount.
The interactive exhibition at the Museum of Entertaining Sciences covers the main areas of science. In each hall there are exhibits with which you can interact: explore, collect, solve, pull, jump and even scream. Here for families for large families there is a 30% discount.
There is a permanent exhibition of various interactive exhibits that you can explore and launch on your own. Here you can get lightning with a Tesla coil, listen to music with your teeth, sit on nails and much, much more. Entrance for large families 6.00 rubles.
Entertainment in » is adapted for all ages, from the smallest to the oldest, and is designed to truly surprise. The discount for large families will be 50%.
Store Social Programs
Promum.com.ua
Going shopping with a large crowd of children, and not at least think about saving money and a well-written shopping list. But many retail chains have thought through these issues and provide discount cards for their stores to large families. In many retail chains social programs are similar. The percentage of the discount and the time of its provision may differ:
- Stores Euroopt offers large families the program “E-plus. Good percentage. The discount card is issued free of charge for one certificate. The program discount is 5%.
Stores "Almi" also offer 5% discount card“Benefit!”, according to which large families can purchase food and non-food items on weekdays from 8.00 to 16.00.
In the shops "Belmarket" and "Rublevsky", "Neighbours" members of a large family can purchase goods with a 3% discount from 09:00 to 12:00, and in stores "Vitalur"- from 09:00 to 15:00. To obtain this privilege, the cashier must present a valid certificate of a large family or birth certificates of three or more minor children and a passport.
AT trading network ProStor every Sunday for all goods except for promotional items, a 10% discount is provided to buyers from large families.
But man does not live by bread alone. Discounts for those who have many children are provided by other stores. For example, in bookstores "Belkniga" Families with many children are given a 5% discount on the purchase of educational and methodological literature, dictionaries, reference books, encyclopedias for schoolchildren, paper and white products.
If you or your kids are ill and there is a ZAO pharmacy near your house "Berolina"- Take your ID with you. The discount for large families is 7%.
The review was prepared by Tatiana Temraleeva
* Reprinting materials from the site is possible only with the written permission of the editors.To date, there are more than 62,000 large families in the Republic of Belarus that need state assistance. As in other CIS countries, the republic adopted a law on timely assistance to such families to ensure guarantees of living in decent conditions. Last year, about 1,000 families got the opportunity to buy an apartment on special terms, like families with many children. These conditions are partial repayment mortgage loan to improve living conditions in large families. preferential programs There are several ways to help a large family, one of the most important is a housing program that allows a family to take over or improve their living conditions. Families with many children are families consisting of at least one parent and including more than three children under the age of 18. Housing for large families in Belarus provided by the state or assisted in its acquisition, other conditions of housing assistance are not provided.
Housing programs for large families
There are two types of assistance programs for large families in Belarus - this is the receipt of financial assistance for the purchase of new housing (Belarus has been actively developing for many years, which is primarily aimed at providing the opportunity to purchase four-room apartments for large families) to a large family, and social housing, which provided to the family and is the property of the state. The last benefit can be used by low-income families, families where the mother of the children has the status of a "mother-heroine" or has been awarded the Order of the Mother of a Heroine. In order to receive social housing, the amount of family income must not exceed the subsistence minimum budget for each family member and not have real estate that satisfies the standard living area for an average family. The first type of program involves the purchase of real estate in the primary market for cash or with the help of a mortgage. When applying for a mortgage, a family is not allowed to rent out the acquired housing for up to two years from the start of the purchase - this condition is mandatory and imposes penalties if it is not complied with. Also, such property cannot be sold or transferred for use. As for social housing, which is owned by the state, this condition is also tough here, if a family tries to pull off a fraud on renting out housing for profit, then the family is automatically deprived of this subsidized housing.These programs have been implemented for 20 years and more than 1,000 families with three or more children are assisted annually. At the same time, if the family includes other categories of citizens who fall under preferential social assistance, then the benefits are summed up.
Statistics show that every year in Russia the number of large families is decreasing, and the number of families with only one child has long exceeded the number of families with two ...
Free housing for large families is provided in the form of social assistance. In this case, housing belongs to the administrative center local government, which...
And the main legislative act Decree of the President of Belarus No. 240 “On state support of citizens in the construction (reconstruction) of residential premises” was signed on July 4, 2017.
In addition to the current system of preferential lending for housing construction, Decree No. 240 introduced the new kind state support for citizens in need of better housing conditions - state targeted subsidies, informs infobank.by.
What are the subsidies for?
They can be provided to pay part of the interest for using a loan for housing construction received by citizens in any commercial bank, and to large and young families and orphans - also to pay off part of the principal debt on such loans. The recipients of subsidies are mainly:
- the same categories of citizens who were entitled to receive state support in the form of soft loans under Decree No. 13
- prosecutors
- low-income citizens engaged in the construction (reconstruction) of residential premises in settlements on the territory of the south-eastern region of the Mogilev region
The maximum loan amount to be subsidized is determined by the following formula…
The conditions for providing such state support will be:
- order of receipt
- classification of citizens as low-income
About the subsidy plain language
In Decree No. 240 we are talking 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 4 of them:
- Bank Bel VEB
- Belagroprombank
- Belarusbank
- Belinvestbank
- BPS-Sberbank
Banks provide commercial loans for the construction (reconstruction) of housing on their own terms and conditions, the main of which are almost identical today:
- loan term - 20 years
- loan rate - 13% per annum (or refinancing rate + 3 percentage points).
Please note that when changing the refinancing rate ( last years it falls) will change and the rate on the loan!!!
The subsidy is provided in non-cash form and is sent to the bank that issued the commercial loan to pay off part of the interest or principal debt for the citizen.
Amount of aid
A subsidy for the payment of part of the interest is provided:
- beneficiaries listed in Decree No. 13 “On Certain Issues of Providing Citizens with State Support in the Construction (Reconstruction) or Acquisition of Residential Premises”
- prosecutors, citizens from among the prosecutors dismissed from service in the prosecutor's office due to age, health status, in connection with a reduction in the number or staff of employees (in connection with organizational and staff measures), who have at least 5 calendar years of service in the service prosecution authorities
Categories of citizens | The amount of the subsidy for the payment of part of the interest on the loan |
Out of turn | |
large families | 3 children under 23 years old — SR* + 2 p.p./ 4 or more minor children — SR + 3 p.p. |
citizens who fell ill and suffered radiation sickness caused by the consequences of the Chernobyl disaster | SR* — 2 p.p. |
citizens whose families include children with disabilities, as well as people with disabilities from childhood of groups I and II | SR* — 2 p.p. |
citizens living in living quarters declared unfit for habitation | SR* — 2 p.p. |
veterans of military operations on the territory of other states, from among those provided for in paragraph 1 - 3 of the first part of Art. 3 of the Law "On Veterans" | SR* — 2 p.p. |
able-bodied adult family members of the deceased tenant of social housing - during the term of the contract of employment | SR* — 2 p.p. |
laureates of special Fund of the Head of State for the Support of Gifted Pupils and Students | SR* — 2 p.p. |
citizens dismissed from military service by age, health status, reduction | SR* — 2 p.p. |
orphans and citizens who are tenants of social housing provided to them as orphans - during the term of the contract of employment | SR* + 2 p.p. |
In general order | |
military personnel and persons equivalent to them | SR* — 2 p.p. |
prosecutors | SR* — 2 p.p. |
citizens entitled to extraordinary social housing | SR* — 2 p.p. |
citizens who have been awarded scholarships by the Head of State | SR* — 2 p.p. |
citizens living at least 10 years in dormitories, in housing under a contract for hiring a private housing stock | SR* — 2 p.p. |
judges | SR* — 2 p.p. |
citizens engaged in the construction of housing in settlements up to 20 thousand people. and in satellite cities | SR* — 2 p.p. |
citizens engaged in the construction of housing in the south-eastern region of the Mogilev region | SR* — 2 p.p. |
young families with two minor children | SR* — 2 p.p. |
* SR - refinancing rate
And speaking in very simple terms, in practice it will come out like this:
- for large families with 3 children, the subsidy will cover 12% (refinancing rate 10% + 2 percentage points) out of 13% per annum
- for large families with 4 or more children, the subsidy will fully cover the payment of annual interest on the loan
- for all others, the subsidy will cover 8% (refinancing rate 10% - 2 percentage points) out of 13% per annum
The transfer of the subsidy for the repayment of part of the interest will be made from next month after the issuance of a loan by the bank for the construction (reconstruction) of housing on a monthly basis during the entire repayment period of the loan established by the loan agreement.
The right to receive a subsidy for the repayment of the principal debt together with a subsidy for the payment of part of the interest is granted:
- large families with 3 or more minor children
- young families from among low-income families at birth (adoption) of the first and (or) second child after the decision to provide a subsidy for the payment of part of the interest
- orphans
At the same time, the subsidy for the repayment of the principal debt is set for large families with 3 children in the amount of 95%, and for orphans - 35%.
For large families with 4 or more children, monthly loan payments, both for interest and principal, will be fully subsidized from the budget.
Young families at the birth of children after the decision to provide a subsidy for the payment of part of the interest: 10% - at the birth of the first child; 20% - at the birth of a second child.
The amount of the subsidy will change when the composition of the family changes!
How to get support?
The issuance of a subsidy is possible only when the queue of those in need of better housing conditions approaches and is classified as low-income.
Subsidies are provided for the construction of housing in economical multi-family and block residential buildings, the list of projects of which is approved by the Ministry of Construction and Architecture.
Decisions on the provision of subsidies are made by district, city executive and administrative bodies, and local administrations.
The order of your actions
1. Citizens eligible to receive targeted subsidies (subsidies) will be invited in turn to the executive committee, where they will be offered housing construction with such state support
2. If a citizen agrees to participate in the program, the executive committee sends him to the construction of housing, and the citizen enters into an appropriate contract for the construction
3. After concluding a contract for the construction of housing, a citizen shall apply to the executive committee with an application and relevant documents to make a decision on providing him with a targeted subsidy. The Executive Committee, taking into account the composition of the family, living space in the property, will determine maximum size family subsidized loan
4. With this decision, a person goes to the bank to conclude a loan agreement
5. The Bank concludes loan agreement and send a copy to the executive committee. The Executive Committee, on the basis of information provided by the bank on a monthly basis, transfers to the bank that granted the loan a subsidy for the payment by a citizen of part of the interest on the loan, starting from the next month after the bank issued the loan (its part), a subsidy for repaying the principal debt on the loan - starting from the month of commencement principal repayment of a loan