State housing stock under the President of the Republic of Tatarstan Social mortgage under the president of the Republic of Tajikistan
In the context of the economic crisis, the Government of the Russian Federation proposes new mechanisms to support socially unprotected citizens. To improve the quality of their lives, programs of housing loans with state support are being developed. Borrowers who meet the conditions of a specific project will be able to use a social mortgage.
The programs cover many categories of the population: low-income citizens, young families, state employees (doctors, teachers, young scientists), military personnel.
The social mortgage program was prepared by the Department of Housing Policy and is aimed at fulfilling the instructions of the Government of the Russian Federation. The Housing Fund approved the procedure for the provision of residential real estate on social mortgage. Applicants can purchase an apartment under a sale and purchase agreement with the registration of the document at the Department of Housing and Housing Policy.
For getting preferential loan socially unprotected citizens can apply to any state or commercial Bank, which provides mortgages with government guarantees.
According to the Department of Social Mortgage under the President, over the past five years, every seventh participant in state programs has been able to use and improve their living conditions with the help of state subsidies and mortgage lending.
According to the conditions social programs low-income borrowers can purchase real estate in the primary and secondary markets, as well as social housing at reduced prices, which is owned by local authorities.
The mortgage under the president is multivariate: a subsidy is allocated for a part of the cost of the purchased apartment or a subsidy for an interest rate. Municipal housing is sold to participants in social programs at an affordable price. Which type is used in a particular region depends on the initiative of the local authorities.
A good example in this matter, the Republic of Tatarstan may become, where since 2004 they have successfully implemented a draft law on social home lending significantly different from the standard version.
How to get a
The implementation of the program is supervised by the State housing stock(ГЖФ) and the President of the Republic of Tatarstan.
The peculiarities of the presidential program are that the borrower and the GRF enter into an agreement, according to which the project participant undertakes to regularly contribute a certain amount to form a reserve. The savings are necessary to partially pay the cost of the purchased housing. A mortgage is issued for the rest of the amount.
The term of the agreement is up to 28.5 years. Bank rate (7%) - fixed, set for the entire crediting period. The obligatory moment is the first installment (10-30%). You can use:
- Maternal capital;
- Accumulations formed during the period of participation in the project;
- State support for young families (the size of the subsidy can reach 40% of the cost of an apartment);
- By own means.
Sometimes, to pay the first installment, they take an additional loan, leaving the existing housing as a pledge (if the borrower or co-borrowers are its owners).
Under the terms of the project, mortgages are also provided to childless families. If a child is born during the term of the contract, the spouses are provided with material assistance in the amount of 200 thousand rubles. The funds must be used to pay off mortgage obligations.
The peculiarity of the presidential project is that participants may not always make monthly contributions the traditional way- they pay with labor or products produced on their own household.
Where can I get housing
The difference between a mortgage under the president is that an applicant can choose an apartment only from the real estate that was built within the framework of this project. Such housing complexes (LCD) are being built mainly in large cities and some small settlements... Apart from a limited choice of apartments, they also differ in price: square meters in the capital will be more expensive than in the periphery. These factors also affect the size of the loan and the rating points.
The exact list of areas where construction is being carried out by partner firms of the project can be found on the website of the state housing fund. There is information on the websites of banks and developers. An important requirement for the latter is to build housing in a complex manner, so the program participant receives an apartment in microdistricts with normal infrastructure. After the transfer of documentation to the GZHF and the approval of the application by the housing commission, the participant waits for his real estate option.
- Kazan. Social homes are being built in Aviastroitelny, Kirovsky, Privolzhsky, Pakhitovsky and Sovetsky districts. The most popular microdistrict is Salavat Kupere, where it is planned to solve housing problems 14 thousand families. More than 350 hectares are being built up with residential complexes in order to accommodate about 40 thousand people. MK "Raduzhny" is also located in an ecologically clean area, but there are more apartments for commercial sale. A school for a thousand children is being built.
- Naberezhnye Chelny. The most popular complexes are located on the outskirts of the city: the cost of housing here is significantly lower, and these ecologically areas are much cleaner. Among the actively under construction complexes - "Yalyshek-2", as well as "63rd complex". In addition to the presidential mortgage, city residents can participate in the "Building the Future" project, which also helps to purchase real estate on favorable terms for the participant.
The contract for the selected apartment is preliminary and has no special legal force. If a program participant violates the debt repayment schedule or does not score enough points, other applicants may be moved into the selected apartment.
If the borrower got a part-time job or left the public sector altogether, he no longer has the right to demand an apartment on a social mortgage. In times of crisis, many building materials even fell in price, so the developer sees no reason to increase the cost of housing.
Who can participate in the project
Social mortgage under the President of the Republic of Tatarstan covers many segments of the population:
- Budget workers - teachers, scientists, doctors, young professionals, culture and social protection workers;
- Servicemen, participants in hostilities;
- Citizens who huddle in an emergency or unsuitable for housing premises;
- Young families (age limit - up to 35 years old) with or without children;
- Applicants whose living space does not meet the standards (18 square meters per tenant);
- Large families;
- Disabled people and families with disabled children;
- Single-parent families, if their income has dropped by 30%;
- Employees of enterprises-investors, participants in the presidential mortgage program.
A project participant can be solvent working citizens with a stable income and normal credit history eligible for the program and have funds for the first payment. The applicant must also have the status of a person who needs to improve their living conditions.
Families with higher incomes can apply for social housing living wage if they can do regular contributions to repay the loan.
State employees must have at least three years of work experience in their specialty. Citizens aged 18 to 54 years old with continuous work experience in the last place of 6 months or more can apply. For the military, the minimum service life is 10 years. Applicants must live and work in the Republic of Tajikistan for at least 10 years.
Home loan registration
To obtain the status of a program participant, you must contact the administration with an application. Here you can also consult on the selected program, make a preliminary calculation. Employees of enterprises funding the program can apply through the supervisor.
Prepare all required documentation while waiting for preliminary approval of the application. The officials have 1 month to make the final decision. If the decision is positive, they sign a social mortgage agreement, after which they make monthly contributions to the GZF (the amount depends on family budget).
It remains to wait for one or more offers of housing space from GZF, which can be bought within the framework of the project.
You can participate in a competition like a rating auction. To do this, you need to register on the GZF website and gain access to your personal account, from where applications for participation are sent. The higher the rating, the more chances the contestants have to win. Points are generated based on the amount of each participant's savings and the length of stay in the program.
There is another option for obtaining a mortgage, when state support is provided out of turn. Each case is studied individually in an extremely short time.
What documents to prepare
Applicants for a presidential mortgage must submit documentation:
- Family member passports;
- INN and SNILS;
- Certificate of marriage or its dissolution (if any);
- Birth certificates of children (if any);
- Military ID (for those liable for military service);
- Education documents;
- Income statement;
- Real estate title deeds;
- Confirmation of the status of a person who needs to improve their living conditions.
A completed application form is attached to the documents. The Commission has the right to request additional confirmation of the applicant's solvency.
Pros and cons of a presidential mortgage
A mortgage under the President in the Republic of Tatarstan is an opportunity to purchase an apartment on terms that are more favorable than in the country as a whole.
The participation of GZF allowed applicants to receive a number of advantages:
- Reduce the down payment to 10% of the apartment price ( maximum limitation – 30%).
- For single mothers and some other categories in individually full exemption from the first installment is also possible.
- At the base rate of 7.4%, social mortgages are given at 7% per annum.
- The maximum repayment period (28.5 years) can be shortened and the loan can be closed ahead of schedule without overpayments.
- When a baby is born, the family receives 200 thousand rubles. to pay off mortgage obligations.
- After the appearance of the second and subsequent children, you can contribute funds from maternity capital to repay the loan.
- You can pay for a mortgage not only with money, but also with labor, agricultural products.
- Not additional insurances- only the purchased apartment and the participant's liability are insured.
If the family has a difficult financial situation, the borrower is afraid of losing the apartment - all cases are considered by the GZF individually, developing a convenient option for repaying the debt (deferral, restructuring, etc.). The deferral of payments does not relieve the bank's client of the need to pay the rent for the apartment.
In any state support program there are details that the participant does not pay due attention to at first. But later, such nuances can create additional difficulties.
After purchasing housing within the framework of the project, the participant has no right to stop working or leave the public sector for 10 years. If the condition is violated, the remainder of the debt will have to be repaid at a double rate. It is possible to terminate labor relations with the enterprise without penalties if the dismissal was by agreement of the parties.
A program participant after receiving an apartment in other social projects aimed at improving housing conditions, will no longer be able to take part. Under a presidential mortgage, housing can only be purchased once in a lifetime, so it makes sense to study everything possible benefits and subsidies that a family can count on and choose the best option for state aid. In total price square meters housing and child benefits are included.
Developed standards for the size of mortgage living space:
- Lonely - 33 sq. m;
- For a childless family (2 people) - 42 sq. m;
- A family of 3 people - 18 sq. m per tenant.
There is one more important point: before full payment housing, issued in a mortgage, the borrower uses the living space under the contract social recruitment... He also pays for rent (at minimum state rates). He will be able to obtain a certificate of ownership only after the final repayment of the debt.
Partner banks
Quantity financial institutions participation in the program is limited, as many have representative offices only in large cities. Among the program participants there are not only banks of the republic, but also partners providing services throughout Russia: Sberbank, Kara-Altyn, Rosbank, Ak Bars.
According to the terms of the presidential mortgage, the borrowers conclude an agreement with the representative office of the housing fund under the president. And in a bank that is a partner, you need to open an account for monthly payments, taking into account the cost of 1 sq. m of social housing (from 11%). If the bank's client violates the schedule of payments on mortgage obligations, GZF has the right to terminate the contract on its own initiative.
In parallel with the mortgage under the President, the banks of the republic offer their clients to solve housing problems with the help of the "Young Family" program. The first requirement for candidates: one of the spouses must be under 35 years old. The project makes it possible to purchase housing for base rate(from 7.4%) both at primary and secondary market.
In accordance with the bill, the social mortgage under the President in the Republic of Tatarstan runs until 2019. It remains to be hoped that after its end, the regional authorities will develop even more effective measures to provide the needy socially vulnerable citizens with housing.
The sale of housing on the principles of mortgage lending and socially affordable mortgage for citizens of the Republic of Tatarstan is carried out under the control of the State Housing Fund under the President of the Republic of Tatarstan (NO GZHF RT).
The foundation was founded on March 30, 1995 By the Decree of the President of the Republic of Tatarstan M.Sh. Shaimiev No. 213 "On measures for the development of housing construction in the Republic of Tatarstan", is a non-profit, extra-budgetary organization.
Its main areas of activity are assistance in the implementation of housing programs of the Government of the Russian Federation by local government and self-government bodies, the development and implementation of non-traditional methods of financing and the attraction of extra-budgetary funds to housing construction.
The President of Tatarstan M.Sh. Shaimiev was appointed the Chairman of the Board of Trustees of the GHV.
The fund has been implementing the social mortgage lending program since 2005 after the adoption on December 27, 2004. ... Law No. 69-ZRT of the Republic of Tatarstan "On state support housing construction in the Republic of Tatarstan ".
The Fund acts as an investor of funds in the construction and improvement of residential buildings, social infrastructure, a developer of new and reconstructed residential buildings and has the right to purchase and sell them.
Social mortgage under the President of the Republic of Tatarstan is also carried out in accordance with annually approved target programs, in particular:
- The program for "Provision of housing for citizens in the Republic of Tatarstan on social" mortgage "
- The national project “Affordable and Comfortable Housing - for the Citizens of Russia”.
- Federal target program "Housing" and its subprograms: "Provision of housing for young families", "Provision of housing for families of young professionals in the countryside", "Provision land plots communal infrastructure ”,“ Development of the agro-industrial complex ”.
The action of the program for " mortgage loans»Scheduled until 2019.
Social mortgage under the President of the Republic of Tatarstan can be provided:
- public sector employees
- citizens who are unable to improve their living conditions without state support.
Employees of organizations that provide assistance in financing social mortgage programs also have advantages.
It is also assumed that future borrowers must be on a special register of citizens who need housing.
Residential real estate is distributed in turn order in two directions:
- as part of providing emergency assistance to low-income residents
- choosing an apartment on a competitive basis for public sector employees
The social competition is attended by 50% of residential real estate from the total housing stock.
The conditions for the distribution of housing stock for citizens eligible for emergency assistance are determined by local authorities self-government in private.
The social mortgage under the President of the Republic of Tatarstan has a number of features that distinguish it from other types of mortgage:
- Firstly, all those who received a mortgage loan undertake not to stop working and not change their current place of work within ten years from the year of taking mortgage obligations on the mortgage.
- Secondly, state employees who received real estate in a special order are deprived of the right to acquire it on preferential terms in any other way (for example, when housing is distributed at a preferential cost).
Otherwise, the unpaid balance of the amount for the property will be calculated at double interest rate... The rate is stipulated in the rules of social mortgage.
The long-term beneficiary of the social loan program left amid high-profile scandals.
Stories with the termination of the contract with the socialist and the increase in the cost of housing in Innopolis were the last things that will be remembered by the GZF of the era Talgata Abdullina... Honored Economist of the Republic of Tatarstan came to the State Housing Fund under the President of the Republic of Tatarstan in 1997. GZF was created two years earlier - in 1995, in Tatarstan, they began to implement a program to resettle residents from dilapidated housing. At that time, out of 5.5 thousand houses, 1.5 thousand were over 100 years old. Then the idea appeared to create the State Housing Fund, to which the commodity producers of the republic would contribute 1% of their proceeds.
Since 2005, the Fund has launched a social mortgage program. Note that up to this point, the organization was called the State Off-budget Housing Fund under the President of the Republic of Tatarstan, but was transformed into a non-profit organization State Housing Fund under the President of the Republic of Tatarstan (GZHF), which has no membership and does not aim to make a profit.
Work within the framework of the social league program caused a lot of criticism from the residents of the republic, and then from the authorities. The GZF canceled the preliminary protocols for the selection of apartments, a square meter of housing was becoming more expensive. There were complaints about the delay in the construction of facilities being built by the Foundation.
For example, in the spring of 2015, the quality of houses built by the State Housing Fund of the Republic of Tatarstan became the object of criticism from the Kazan authorities. Then, at one of the apparatus meetings, the chairman of the city committee of housing and communal services spoke Iskander Giniyatullin... He said that the residential building at 44 Chelyuskin, built in 2004, had “overgrown” with cracks on the facade for 10 years. There were also other construction defects.
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A year later, in 2016, the Foundation in unilaterally revised its terms of the competition, according to which housing was distributed among those on the waiting list. GZF again put up for auction the previously drawn square meters of housing. The community members, who dreamed of an imminent move to new buildings, took to the streets, mass and single spontaneous rallies began. Only after the intervention of the President of Tatarstan Rustam Minnikhanov The scandal over the revision of the "rules of the game" was leveled, and Talgat Abdullin made a statement to reporters that there would be no more changes in the distribution system of apartments.
Abdullin scolded not only with social workers, but also with contractors. GZhF did not have a relationship with Kamgesenergostroy and PSO Kazan. The Goszhilfond criticized these companies for their slowness, poor performance and excluded them from the construction of facilities.
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The collapse further weakened Abdullin's position. GZhF turned into a defendant to the bankruptcy trustee of TFB - the Deposit Insurance Agency. The climax was the DIA's demand to return a block of shares of the State Housing Fund to Ak Bars Bank in the amount of 9.8 billion rubles. GZF acted as a pledger under loan agreements of Tatfondbank with several companies associated with the former chairman of the board of the TFB Robert Musin... The shares of Ak Bars Bank acted as collateral. By the way, Talgat Abdullin was closely associated with ABB - for four years he was the chairman of the board of a financial organization.
As a result: 20.4% of Ak Bars Bank shares owned by GZF were arrested as part of a criminal case on fraud in Tatfondbank. However, the arrest was subsequently lifted. The Supreme Court RT. However, scandals seemed to haunt Abdullin's organization. GJF filed in Arbitration court RT claim against the company in the amount of 7.2 billion rubles. Curiously, the Fund owns a block of shares in the developer, and now they say that Talgat Abdullin will take the post of head of ABD, pushing Marata Shagitova.
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Yesterday (October 11 - Ed.) President of Tatarstan Rustam Minnikhanov instructed to investigate the situation with the termination of the social mortgage agreement by the State Housing Fund. It is about a mother with many children Elvira Sadkina... The state housing fund under the President of the Republic of Tatarstan unilaterally terminated the social mortgage agreement with the woman for construction three-room apartment in the residential complex "Salavat Kupere". The mother of many children believes that in this way the GZF “punishes” her for her “active civic position.
The last nail in Abdullin's ambitions was hammered by the State Housing Fund. Moreover, before that, the GZHF regularly received claims regarding shortcomings in the construction of housing in the city. It is interesting that in the Fund itself, the information about the increase has not been denied. This was done by representatives of the Ministry of Communications of Tatarstan in response to a request from the KazanFirst editorial office. The reports of the increase in the rental price were called a mistake.
Meanwhile, Rustam Minnikhanov appointed the new head of the State Housing Fund Marat Zaripova, who previously served as head of the RT State Committee on Tariffs. It is curious that the transfer of Zaripov to another position is taking place against a not very positive informational background.
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The State Committee on Tariffs of the Republic of Tajikistan has always been a separate “state within a state” within the system of state authorities of the republic, with its own rules of operation and the absence of any control over their activities. This was due to the specifics federal legislation in the field of tariff regulation. As an example, we can recall the history of 2012, when the fact was revealed that the State Committee, by its decision, laid in the tariffs for heat "Tatenergo", then still headed, overstated costs for the purchase of gas. It was about the withdrawal of billions of rubles from "Tatenergo" collected from consumers of the republic through tariffs for heat.
At the time when Marat Zaripov was at the head of the State Committee on Tariffs, the launch of a system of public control over the activities of constituent entities in Russia natural monopolies... Tatarstan President Rustam Minnikhanov supported the federal initiative, so the republic actually became a platform for testing the entire structure of this system.
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As a result, both the State Tariffs Committee and the decisions made by it fell under independent control. As the interlocutors of KazanFirst in the government of the republic, who wished to remain anonymous, note, as a result, alternative opinions appeared on many decisions of the State Committee and serious omissions of the department began to be revealed. On the other hand, in the past few years, the State Committee and personally Marat Zaripov himself have become open to the media, unlike their predecessors.
Providing housing for certain segments of the population is a priority task not only for the state as a whole, but also for regional authorities. For example, on the territory of the Republic of Tatarstan since 2004, a draft law on social mortgage developed at the local level has been successfully functioning, which differs from national programs and allows you to purchase housing on preferential terms. The program is personally supervised by the President and the State Housing Fund (GHF) of the Republic of Tatarstan.
How the program functions, who can become a participant and what is needed for this - we will tell you today.
Social mortgage under the President of the Republic of Tatarstan is focused on a certain contingent, namely:
- Public sector employees - doctors, teachers, law enforcement officers.
- Families with less than 18 sq. m. that is, the available living space does not meet the standards of comfortable living, or the existing housing is recognized as emergency and unsuitable for living.
- Families raising children with disabilities.
- Employees of enterprises who are actively involved in the work of the social mortgage program.
There are a number of other conditions that must be met:
- The family has a monthly income of at least the subsistence level and will be able to pay mortgage payments.
- Applicants must reside in the territory of Tatarstan for a certain period of time and work here for at least 10 years.
The essence of the social mortgage program under the President of the Republic of Tatarstan is that an agreement is signed between a person and the State Housing Fund, according to which the first undertakes to pay monthly contributions that form savings for new apartment... Subsequently, with these contributions, it will be possible to pay part of the cost of new housing, and the missing amount can be arranged in the form of a mortgage loan.
The maximum period for which a loan can be provided is 28.5 years. A fixed interest rate of 7% per annum is set for the entire loan period, which is extremely beneficial for borrowers.
A prerequisite is the presence down payment in the amount of 10-30%. It can be formed:
- Due to the savings made during participation in the program.
- With the help of maternity capital.
- With the help of obtaining a state subsidy for young families, the amount of which in some cases can reach 40% of the value of the acquired property.
- At the expense of own funds.
From the explanations given by the GZF, we can conclude that the property owned by the property can also act as a down payment, but only if certain conditions are met. In this case, a special agreement is concluded between the GZHF and the owner, according to which the family can live in this apartment until they receive a new home.
According to the terms of the program, if the mortgage is issued by a family in which there are no children, but during the period of validity loan agreement a child is born, spouses can expect to receive financial assistance in the amount of 200,000 rubles. These funds will need to be used to repay the loan.
A feature of the program can be called the fact that participants can make monthly payments as in cash, and pay with labor, as well as goods of their own production in the personal household.
How to arrange correctly
The first thing that needs to be done to participate in the social mortgage program is to apply to the local authorities with an application and obtain the status of in need of improvement in housing conditions. The employees working there can also consult in detail on the conditions for the functioning of the program, make preliminary calculations, suggest the best option clearance. For employees of enterprises participating in the financing of the program, there is the possibility of submitting an application through the manager.
Next, you will need to collect the documents necessary for consideration of the application and wait for the final decision on whether it is possible to provide a social mortgage. A period of 1 month is allocated for this. If a positive answer is received, it remains to sign a social mortgage agreement and start making monthly contributions to the GZF, the amount of which will depend on the family's income.
- You need to wait for the queue to receive one or more offers to buy a home on a mortgage from the State Housing Fund.
- Take part in the competition, which is held on the principle of a rating auction.
To participate in the competition, you will need to register on the GosZhilFond website and get access to personal account, from the page of which applications for participation in the competition are sent. At the same time, the higher the rating of the contest participant, the more chances he has to become its winner. The rating is formed on the basis of the savings already made during participation in the program and the duration of stay in it.
There is a third option, when state assistance in buying a home is provided urgently and urgently. Each such application is considered individually and as soon as possible.
List of required documents
For registration of a social mortgage in the Republic of Tatarstan, you must provide the following package of documents;
- Family member passports.
- INN and SNILS.
- Birth certificate of children (if any).
- Marriage certificate (if available).
- Military ID for men.
- Education documents.
- A copy of the work book and a certificate of the amount of income received.
- Documents for housing in which the family lives.
You also need to fill out an application form. Depending on the situation, in some cases, additional documents are requested.
Where are the apartments
Social mortgage in Tatarstan implies certain restrictions on where you can buy an apartment. It cannot be any apartment building chosen by the borrower, but only those houses and residential complexes, which are being built specifically for the implementation of this program.
Such real estate is not being built in all localities. Most of such housing is being built in Kazan, as well as in Naberezhnye Chelny. It also appears in small towns of the republic, but there the choice of offers is often limited. It should be understood that the cost per square meter differs depending on where the future house is being built. Based on this, the amount of the loan and the rating points required for registration of real estate in a mortgage will change.
Underwater rocks
Each state program is not devoid of nuances, which at first do not pay attention to themselves, but in fact become the cause of difficulties in the future.
For example, when purchasing housing on a social mortgage in Tatarstan, the borrower undertakes not to change his place of work for 10 years, and also not to stop working. If this requirement is violated, the balance of the debt will have to be paid at a double interest rate. There is an option to terminate relations with the employer without receiving a fine. To do this, it is necessary that the departure of the employee is carried out in agreement with the management.
Also, by purchasing housing under this program, a person will no longer be able to take part in other social projects aimed at helping those in need in their own home. That is, you can buy housing on a social mortgage only once.
It is worth mentioning that there are standards for the size of living space that can be purchased under the social mortgage program. They make up:
- For a family of one person - 33 sq.m.
- From two people - 42 sq.m.
- Of three people - 18 sq. M. for everyone.
Another significant point is that until the borrower pays the cost of the housing purchased on the mortgage, he will use the living space under a social tenancy agreement, as well as pay rent for it (payment is made at state rates, which are minimal). It will be possible to register the property only after the full repayment of the debt.
According to the initial version of the bill, the social mortgage program in Tatarstan is designed for a period up to 2020. So far, no reliable information has been received about the extension of the program for the next years. I would like to hope that even if it is phased out, the regional authorities will develop new measures to provide housing to those in need. You can find out about this from the news.
The Government of the Republic of Tatarstan (RT) has developed special program to ensure the citizens of this entity Russian Federation housing. It is called "a personal page under the President of the Republic of Tatarstan." Its features will be discussed below.
Social mortgage in the Republic of Tatarstan
This constituent entity of the Russian Federation also participates in state program RF social league (,). The Government of the Republic of Tatarstan has developed and adopted its own project, which is significantly different from the all-Russian program.
The funding for this project comes from federal budget, and are also allocated from the republic's own funds.
Its implementation is monitored personally by the President and his staff.
Social mortgage under the President of Tatarstan has the following differences from similar programs in other regions:
- annual mortgage interest set at 7%;
- applicants must live and work in Tatarstan for a certain period of time;
- square meters are provided only in the state housing stock (primary real estate market).
Conditions for participation in the program
The social mortgage of Tatarstan provides for two options for participation, as well as the condition for providing a loan from the regional budget.
Affordable housing can be obtained by young and socially unprotected families who, in accordance with the established procedure, are recognized as such that they need to improve their living conditions and do not have their own real estate. The distribution of housing in this case is based on the queue.
Employees of various budgetary institutions and law enforcement agencies that have worked in the republic for a certain time and do not have their own residential square meters. The distribution of housing in this situation takes place on the basis of a competition.
Features of mortgage payments
Social mortgage under the President of the Republic of Tatarstan has some differences from other projects, since citizens are offered a special payment mechanism.
First of all, it is necessary to pay attention to the fact that a specially created entity NO "GZhF under the President of the Republic of Tatarstan".
According to the explanations given by the officials of this organization, the initial payment and subsequent payments are made depending on the price per square meter, as well as the period for which the mortgage was issued.
The cost of residential square meters on the territory of the republic may vary depending on the locality where a low-income family lives or where state employees work. Moreover, the approach to each client of this program is individual.
The initial payment for housing can be paid using a state subsidy (for families with one child - 30% of the cost of an apartment, for those raising two or more children - 35-40%) or maternity capital (the so-called assistance with the birth of children).
NO "GZhF under the President of the Republic of Tatarstan" provides grace periods interest payment (no more than 6 months). They can be used throughout the entire loan term.
It should be remembered that a mortgage loan in the Republic of Tajikistan is provided for a period not exceeding 28.5 years.
Help with the birth of children
Developed by GZHF social mortgage provides for the use of social assistance at the birth of children to pay the down payment for an apartment, interest, and other mandatory payments.
In 2020, payments will be made in the republic for the birth of children in young families, provided for by the all-Russian program of support for young mothers and fathers ( maternal capital), as well as a regional project.
Provides for the following presidential and municipal payments:
- 30% monetary compensation for payment of housing and communal services (for example, provided, as well as the needy);
- a one-time material payment at the birth of a baby (regardless of the number of children) in the amount of 20 thousand rubles;
- material compensation for medicines for children under 6 years old (provided for large families);
All these payments can be used to pay off a soft loan.
Large families mean families that have more than two children, including adopted children, and have formalized their status with the social security authorities.
Low-income citizens are considered citizens living together, whose total aggregate income is equal to the subsistence minimum or exceeds it by 30-50% (depending on the number of family members).
Work experience at least 10 years
Preferential conditions for social mortgage in Tatarstan provide for employees of various budgetary organizations, low-income, young families is a mandatory requirement, which is that a person must work on the territory of the republic for 10 years (this was mentioned above).
But the majority of citizens who decide to use the program are interested in the question of how this period is calculated.
The calculation mechanism is as follows. The person provides his work book or another document confirming his experience at enterprises, in budgetary organizations of Tatarstan. If the applicant left the republic for some time, then returned, the length of service will be considered only according to his work in the republic.
For example, the total experience of a citizen is 20 years, of which 10 years in enterprises, in budgetary organizations of Tatarstan. It falls under the social mortgage program.
You need to know that if a person working at an enterprise located in the Republic of Tatarstan was sent on a long-term business trip to another region, he is credited with experience in the Republic of Tatarstan.
Who can get a home loan in the Republic of Tajikistan
According to the Decree of the Government of the Republic of Tajikistan, the right to social mortgage credit lending receive the following citizens:
- young families where parents are under 35 years old, they have been living and working on the territory of the republic for more than 10 years;
- low-income families, whose income does not exceed 30-50% of the required subsistence minimum for each member;
- parents with many children, as well as those who have dependent children with disabilities; guardians and adoptees;
- employees of various budgetary organizations who have worked in the republic for more than 10 years.
They all need to improve their living conditions.
Housing fund under the President of the Republic of Tatarstan
To implement the project, a state housing fund was created under the President.
It is formed using construction companies, who are engaged in the construction of housing in various localities of the region. For this, construction companies are required in each apartment building create part living quarters economy class and transfer them to the state housing fund.
The state housing fund for social mortgages under the President of the Republic of Tatarstan is managed by a special institution, NGO "GZhF under the President of the Republic of Tatarstan."
Goals and objectives of the organization
As you know, the cost of any housing in our country is significant, and often its purchase is not available to the general population.
Based on these economic realities, as well as for the implementation mortgage program In Tatarstan, a non-governmental organization "GZhF under the President of the Republic of Tatarstan" was created.
The purpose of its existence is the registration of all citizens in need of housing on the territory of the republic, verification of the submitted documents, queuing and issuance of residential real estate.
The objectives of the BUT are as follows:
- accumulation of federal, regional budgetary funds allocated for social housing programs;
- accumulation of funds that are paid by citizens in need of housing, repaying mortgage loans;
- buyout of residential premises from construction organizations and transferring them to citizens.
To implement this program, each registered participant has his own personal page on the President's website.
Sources of financing
The principle of operation of the NGO "GZF under the President of the Republic of Tatarstan" is that this organization accumulates not only budgetary funds, but also contributions that are paid by those in need of better housing conditions and public sector employees.
- The use of customer-supplied raw materials for the production of finished products: accounting, consumption rates, write-off Reflection of services for the processing of materials
- Terms of payment of insurance premiums and submission of reports under the new rules
- Reminder of admission to off-budget (paid) places How to pay for tuition
- Online courses for accountants, distance accounting courses online, online training for accountants Accounting for cash transactions and transactions with accountants