GZhF social mortgage. Social mortgage under the President of the Republic of Tajikistan personal page
Welcome! Today we will find out what a social mortgage is and who can get it. How to apply for a social mortgage. How banks and social mortgages interact. Read the post to the end and you will find out all the news of 2019 on this topic.
You can acquire your own housing using your own funds, if you have any, or you can resort to the help of banks and use mortgage lending. But what if your income does not allow you to use any of these methods? Social mortgage comes to the rescue. It is precisely this that exists in our country to solve the housing problem of citizens with average and low incomes.
What is the difference between a regular loan and a preferential loan? The first is issued by a commercial bank to the client, who repays the loan and interest on it with his own funds. It follows that the consumer can only rely on his own strength. At the same time, the annual rate for using borrowed funds and the down payment will be quite large. The social mortgage agreement will include a third party to the agreement - the state. Here his role is to support the interests of both parties: reimbursing the bank for its commercial benefits and providing citizens of the Russian Federation with affordable housing.
Social mortgage lending is a government program, which is implemented at the subject level. Therefore, in each region it has its own characteristics, which can be found out in the local authorities at the place of residence, or in the AHML.
What is the point of social media? The point is that the housing and social mortgage will be issued with some kind of support from the state budget. And how much depends on which category of beneficiaries you qualify for. In essence, social mortgage is a complex concept that includes a number of government support programs for the population as part of solving the housing issue. They are very often confused and mixed into one concept.
The concept of “social mortgage” should be divided into a number of derivatives:
- Social mortgage in banks and partners of AHML (mortgage that provides a number of benefits on the rate, mortgage term, size of the monthly allowance, etc. to employees of socially significant and budgetary institutions, as well as large families).
- Subprogram “Housing for the Russian Family” (allows you to get a discount on an apartment from development companies that participate in the program, those in need of improved housing, low-income people and, again, state employees of various levels, as well as young families with children. The mortgage rate remains within the framework of the bank’s standard programs ).
- The “Young Family” subprogram is federal and local (you must obtain a certificate of participation in the program in order to be recognized as needing improved housing conditions, then the state will provide a subsidy for the purchase of housing up to 35% of the cost of the apartment).
- Regional subsidies (for example, the Republic of Tatarstan, where there is a reduced interest rate on mortgages and a discount on housing).
- State support programs for military personnel, maternity capital.
In certain cases, state assistance will amount to 10-50% of the cost of the apartment. There are regional subsidies that reimburse 100 percent of the price of housing, and the citizen only has to pay interest to the bank. For young people, such support can amount to 30%, and for young families with children – 35% of the market value of the home.
The following conditions of social mortgage exist:
- Lowest interest rate possible. Today, it is 7.55%;
- Minimum down payment 10%;
- Longer loan term;
- Subsidies from budgets of different levels to reimburse part of the cost of housing. One example is compensation of monthly social mortgage contributions for some state employees during the entire loan term;
- Deferment of payment or restructuring. In different cases from 1.5 to 3 years;
- Reducing the monthly payment by refinancing;
- Construction of economy-class real estate with state support and its sale at preferential prices to certain categories of citizens;
- One-time subsidies for improving housing conditions. One such example is maternity capital.
Who can get it
Who is eligible? Many citizens are unaware of the opportunity that exists for them to acquire housing on preferential terms. To do this, you need to know who can get a social mortgage.
You can expect to receive in 2019:
- large families;
- single-parent families whose income fell by 30%;
- disabled people and families raising disabled children;
- young families under 35 years of age with and without children;
- some categories of doctors, teachers and scientists;
- employees of scientific municipal and government institutions;
- workers of science cities;
- military participants in the accumulation system;
- combat veterans;
- Young professionals;
- workers of culture, social protection and employment institutions;
- specialists from sports organizations;
- workers of the military-industrial complexes;
- the poor.
Program participants are solvent working citizens of the Russian Federation who have stable incomes and are able to obtain a loan, i.e. meet the conditions for its provision; having accumulated funds for a down payment. Their credit history must be positive. They must be a recognized need for housing improvement or emergency fund residents (for a number of subprograms). For public sector employees, it is required to have a professional work experience of three years or more in government agencies. The Housing Social Mortgage Fund covers citizens from 18 to 54 years of age with a continuous work experience in one place of at least six months. Military personnel who have served at least ten years. More detailed conditions should be considered for specific programs.
How to apply
First of all, you need to make sure that you are included in any category of beneficiaries. Depending on the type of program, contact the authorities and/or the bank first. If so, then the next step is to collect the necessary documents.
The basic list of these includes:
- application for a social mortgage;
- a copy of the applicant's passport;
- certificate from the place of work about income in form 2NDFL;
- a certified copy of all sheets of the work book;
- a document confirming the applicant’s need for housing or improved living conditions;
- a document stating that you are in line to resolve the housing issue with local authorities;
- an extract from the house register or a certificate of family composition;
- Marriage certificate;
- children's birth certificates.
This list is basic and basic for all categories of beneficiaries and is supplemented depending on which social program suits you. You can find out more about what other documents are needed from other articles on our website.
You will need a special certificate in order to become a participant in the Young Family program in 2019. You must notify local authorities and the bank of your intention to receive a preferential loan to purchase an apartment and be included in the final list.
When the lists of such participants are formed, the municipal government receives money from the budget for subsidies and distributes them. By that time, you will need to provide a loan agreement already drawn up with the bank.
Banks and social mortgages
The most advantageous offers under this program in 2019 are offered by NOAIK, a partner of AHML in Novosibirsk, for example, the rate is 10.95 for finished housing and 11.2 for the construction period.
A mortgage for military personnel involves opening a personal savings account. The state transfers certain amounts to it monthly, which are regularly indexed. The money can subsequently be used to purchase housing. Can be used both during service and after leaving the reserve. In 2019, such a product is available to all young officers, even those who already own real estate. Several banks are engaged in lending to military personnel under the NIS.
And other points were discussed in our last post. You can also use our loan calculator to calculate.
The advantage is that a decision is made within three days with a minimum package of documents. The only requirement for the borrower is a period of service of at least three years.
To find out the monthly loan payment, use our website.
The social mortgage “Building the Future” operates in the Republic of Tatarstan (Kazan, Naberezhnye Chelny, etc.). The essence of the program is that a family joins the “Building the Future” cooperative and then participates in an auction of apartments, offering their own reasonable price for them. The family that offers the highest price will win the competition and receive ownership of the apartment at a reduced price. Social mortgage Building the future is available in the city of Naberezhnye Chelny, for example, 90% of the population.
The social mortgage “Building the Future” is issued under the President of the Republic of Tajikistan on the following conditions: Rate from 7% per annum; Down payment from 10% of the loan amount; Duration from 20 to 28.5 years. To draw up an agreement, you should contact AK Bars Bank, Kara Altyn Bank, Sberbank of Russia.
In Naberezhnye Chelny, the most favorable conditions for rates are offered by VTB24 Bank (this is 9.4% per annum for using a loan and the down payment is only 10% for any convenient loan term), Rosbank, and the Mortgage Agency of the Republic of Tatarstan. To choose a credit institution and more favorable conditions for yourself, use our mortgage calculator.
Rosselkhozbank has developed a special loan product - rural mortgages in Russia. It was created to provide assistance to young professionals living in rural areas. It implies that part of the debt is repaid from the federal budget, another part is allocated by the region, part by the local agricultural producer, and the remaining small share is paid by the employee himself. This is one of the few banks that does not refuse to give loans to clients from the province due to the low value of collateral.
Lending terms:
- rate from 11.5% to 13.5% per year;
- no down payment;
- the amount is within 3 million rubles;
- period from 1 year to 25 years;
- no guarantors required;
- the borrower's age is over 18 years;
- confirmation of the amount of income using a 2NDFL certificate or a bank form.
Knowing the terms of the loan and the cost of the desired apartment, you can calculate the size of the monthly payment using our mortgage calculator.
How to get a social mortgage in 2019 — You can find out from AHML. This is the main organization entrusted by the government with the implementation of state social programs to provide the population of the Russian Federation with their own housing and improve living conditions. AHML implements programs such as “Housing for the Russian Family”, issues products such as “Military Mortgage”, “Social Mortgage for Doctors, Teachers and Scientists”, and also implements a program to assist borrowers.
Advantages of AHML:
- Annual rates here start at 10.95%.
- Down payment of 10% of the loan amount.
- The maximum possible term is up to 30 years.
- The loan amount is not limited.
- There are no additional insurances, that is, only the purchased property and the borrower’s liability under the contract are insured.
- Maternity capital funds are used.
- If the payer encounters financial difficulties, a reduction in the monthly contribution is provided.
- Opportunity to buy an apartment thirty percent cheaper than a similar segment in an accredited project.
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Welcome! Today we have a social mortgage in Kazan . In the Republic of Tatarstan, a program for issuing social mortgages on preferential terms for certain categories of citizens has been adopted and has been successfully implemented since 2005. This program is a striking example of the effective work of the state in providing housing to socially vulnerable segments of the population. Let’s take a closer look at who can count on receiving it and what features exist.
The social mortgage program under the President of Tatarstan replaced the previously implemented program for relocating citizens from dilapidated housing, which ended in 2004. It is being implemented especially actively in Kazan.
Social mortgage under the President of the Republic of Tajikistan has the main goal of providing assistance to citizens in obtaining housing. A special feature of the program is that mortgages are provided not only to those who have been queuing for housing for many years, but also to persons with acceptable living conditions.
The following categories of people can apply for a loan:
- workers employed in the fields of education, healthcare, law enforcement agencies (in budgetary organizations);
- people and families with living space that does not meet accepted standards for comfortable living (less than 18 sq. m. per person);
- disabled people and families with disabled children;
- employees of military-industrial complex enterprises;
- employees of commercial enterprises that invested in housing construction to implement the social mortgage program (for example, Tatenergo, Tatneft companies).
In general, the essence of a social mortgage is the conclusion of an agreement between a potential borrower and the State Housing Fund of Tatarstan, under which the former undertakes to make monthly contributions to the fund, thereby simply saving for a future apartment.
The contribution amount is set by the fund in proportion to the income received by the client (usually no more than 40-50% of the monthly salary). Then, with these savings it will be possible to pay part of the cost of the purchased housing, and the remaining part will be received in the form of a mortgage loan with a preferential interest rate.
The standard terms of a social mortgage are as follows:
- down payment – 10 – 30% of the cost of housing;
- repayment period – up to 30 years;
- interest rate – 7% per year (fixed).
The offered lending conditions are clearly more favorable than those available on the regular mortgage market. It is unlikely that you will be able to find a rate below 7% per annum.
Where do they give apartments?
You can purchase an apartment with the help of a social mortgage not in any building, but only in housing specially built for this purpose. Modern and attractive housing complexes are now being built. The largest is the Salavat Kupere residential complex, which is still under construction today.
All program participants are on a waiting list for apartments under construction. As soon as the apartment building is completed, citizens are given the opportunity to obtain a mortgage. In this case, each participant is assigned a rating, which depends on the waiting period and the amount of payments made by him. The higher these indicators, the higher the rating.
The distribution of apartments occurs subject to the following steps:
- information on the availability of vacant properties is posted on the official website of the housing stock;
- the participant submits a purchase application;
- priority is given to the person whose rating is higher than that of the others.
In any case, all information on potential housing must be requested from the State Housing Fund of the Republic of Tatarstan.
Documentation
Participants in the social mortgage program in Kazan who are eligible to receive housing on preferential terms will be required to provide the following set of documents:
- Identity documents for each family member.
- TIN certificate.
- SNILS.
- Military ID for men liable for military service.
- Copies of children's birth certificates (if available).
- Certificate of marriage/divorce.
- A copy of a diploma or other educational document.
- Documents confirming income and employment.
- Application form.
- Documents confirming certain living conditions (certificate of ownership, extract from the house register, technical passport of the BTI, certificate of recognition of housing as unsafe, etc.).
This kit is standard, but the applicant may be asked to provide some additional documents.
How and where to apply
The initial authority that a person who decides to apply for a social mortgage should contact is the local administration. It is there that you can get complete information about the conditions for issuing a loan, obtaining an apartment and make preliminary calculations. After receiving preliminary clarifications and consultation on what documents need to be collected.
After this, the client submits an application to the State Housing Fund, which is reviewed by the City Commission on Public Housing. The decision she makes will determine whether a particular person will be able to participate in the preferential lending program.
Nuances
Socipotec in Kazan has some nuances. Among them:
- The need to pay for the rental of that part of the property for which the accumulated savings were not enough.
This refers to a situation where, for example, a family was able to save 40% of the cost of an apartment, then in addition to monthly payments on the mortgage loan, it will have to pay rent for the remaining 60% of the price. Usually such a fee is relatively small.
- Prohibition on dismissal from the employer for 10 years.
The state social policy of the Russian Federation in the housing field is aimed at helping categories of the population who, for one reason or another, do not have the opportunity to independently resolve the issue of purchasing personal housing. The country has developed comprehensive programs to help young, low-income and large families, military personnel, and public sector employees, including at the regional level. Among such programs is a social mortgage under the President of the Republic of Tajikistan, which has been available to applicants since 2005.
Basic Concepts
Social mortgage under the President of the Republic of Tatarstan is a special housing lending program on special conditions, implemented under the control of the State Housing Fund (hereinafter referred to as the State Housing Fund) within the Republic of Tatarstan.
Not all apartments are available for preferential lending within the project. Contracts are concluded for housing specially built under the state program and for individual real estate selected by a commission. The largest selection of “social meters” is provided in two cities: Kazan and Naberezhnye Chelny. In smaller towns, supply is very limited.
Conditions for granting a preferential loan:
- rate 7% per annum;
- loan term up to 28.5 years;
- a one-time gratuitous provision of funds to repay part of the mortgage in the amount of 200 thousand rubles upon the birth of a child;
- making a down payment by the borrower, forming savings.
Under what conditions is a preferential loan provided?
7% per annum
Free issuance of funds to repay part of the mortgage
200 thousand rubles at the birth of a child
Credit term
up to 28.5 years
* - the borrower makes a down payment
When implementing the state program, a targeted approach is used, which implies an assessment of the applicant based on his or her current life situation. In severe or emergency cases, options for obtaining a mortgage without a down payment in an accelerated manner are possible.
Requirements for program participants
To receive a mortgage loan on preferential terms, the applicant must be a resident of the Republic of Tatarstan and meet one or more requirements:
- be an employee of the public sector or an enterprise that finances a state housing program;
- are in dire need of such support;
- be a parent raising a disabled child;
- have a housing supply of less than 18 square meters. meters per family member.
A related requirement for a potential participant is the presence of an official income not lower than the subsistence level established on the date of application, as well as initial savings.
Important! The applicant has the right to take advantage of the preferential mortgage lending program once in his life, regardless of subsequent circumstances (bankruptcy, divorce).
How to register a personal page and receive a social mortgage
State aid is provided on an application basis. Initially, a citizen submits an application of the established form to the regional administration. The period for reviewing the document is three days, after which a decision is made on assigning the status of a person in need and on the citizen’s participation in preferential social services. program.
- participant questionnaire;
- ID cards of all family members;
- certificates of marital status (marriage, divorce);
- data on length of service and current employment (work book, certificates, etc.);
- information about income (work certificates, account statements);
- originals SNILS, TIN;
- data on the occupied housing (area, type of ownership, etc.).
The period for reviewing the package of documents is up to one month. Next, a social mortgage lending agreement is concluded. A citizen registers a participant’s personal account on the GZhF portal (kooperativrt.ru). The opening process is simplified to a minimum. After clicking on the link “Receiving a login and password” in the first window, you must enter your TIN and full name, date of birth and ID number, then a password will be automatically created.
The functionality of the page will become available after entering the generated password and account number in the “Personal Page” item. This section allows you to track the fate of applications, the process of drawing up contracts, dates of registration and re-registration, etc. Mortgage borrowers will find the “Contractors”, “Competitions” and “Ratings” tabs useful. You can make mortgage payments or register as a needy person on the portal uslugi.tatarstan.ru.
Registration of the obligation implies the beginning of the accumulation of funds and rating points. The minimum required loan payment amount is 11% of the cost per square meter of subsidized housing. In 2019, the price of a preferential meter is 4034.47 rubles.
The applicant tracks the rating, formed from existing financial savings, on his personal page. The longer a participant stays in the project, the more points he has and the higher the opportunity to conclude a preferential loan agreement.
As points accumulate, the participant can go in two ways - wait for a direct offer from the State Housing Fund for specific housing, or independently select the desired apartments and take part in the competition. The commission reviews the documents of the participants in the mortgage auction and selects the one who optimally meets all the requirements for the future owner. In case of winning, the participant receives a preliminary protocol on the choice of apartment.
Important! The state housing fund in each case sets the end date by which the contract must be signed and all other documents must be completed. If this does not happen, the citizen is excluded from the civil society register.
Features of the program and its advantages
The process of providing social mortgages is regulated by a number of legislative acts, including Resolutions of the Cabinet of Ministers of the Republic of Tatarstan No. 847 of October 12, 2011, No. 321 of May 14, 2013.
The advantages of social mortgages under the President of the Republic of Tajikistan are obvious - residents of the republic have the opportunity to purchase inexpensive housing in an affordable time, while paying feasible contributions. The offer is especially relevant for young childless couples, because in case of replenishment they receive financial support.
An interesting nuance - you can pay fees not only with money, but also with products of your own production.
However, there are also limitations. A person who has received a social mortgage does not have the right to stop working for any reason other than:
- by agreement with the employer;
- due to inability to perform work due to health reasons;
- upon reaching the retirement age established by law.
That is, he cannot resign from the public sector of his own free will. At the same time, you need to work for at least 10 years after signing the contract.
To obtain a mortgage, you must have your own funds and replenish your mortgage savings account every month. The starting payment amount is very small; the minimum payment in 2019 is less than 500 rubles. However, the principle of accumulating points is simple - more money, more points, therefore, the faster savings are formed and the rating grows, the sooner the family will receive the desired apartment. The order in which applications are submitted is of secondary importance.
After determining the parties and the subject of the contract, the applicant receives a preliminary protocol on the choice of housing, which indicates the location and characteristics of a specific apartment. But it’s too early to rejoice - after delivering the document, it is important to comply with all the requirements for the borrower. Lack of monthly transfers to a savings account, replenishment of less than the recommended amount, leaving the public sector - all this can become a reason for inclusion in the list of fines, lead to the revocation of the protocol and deprivation of the right to purchase the apartment. If the benefit continues, the participant will have to start all over again.
Federal state programs operating in 2019: and.
Having your own “family nest” is the dream of every unit of society. But, unfortunately, for most, purchasing a house or apartment is an unbearable burden.
In recent years, citizens have resorted to lending services to purchase square meters. Getting a mortgage from a bank is not difficult. However, in many regions of Russia there is a social mortgage. It can be used to purchase housing on more favorable terms. Moreover, support is provided precisely from the state.
Getting a social mortgage
Social mortgage is a procedure for improving the living conditions of citizens. It uses mortgage lending and government financial assistance. In our country, not everyone can enjoy this privilege. As a rule, these are newly created families and military personnel.
For a newly created family in Russia there is a state program that provides:
- support up to 35% of the regional average housing price if the couple does not have children;
- up to 40% if there are children.
All money comes from the federal budget. The size of future housing is calculated based on the size of the family. The amount of subsidies varies in each region. It all depends on the cost of apartments in a given region.
- The age of husband and wife is up to 35 years;
- The family was recognized as in need of purchasing housing or improving living conditions;
- The family must have savings that are needed to pay part of the amount. It must exceed the amount of the subsidy.
- Citizens who graduated from a military school or institute and received the rank of “officer” since January 2005.
- Military personnel who entered into a contract or were called up for service from the reserve from the same moment as in the first case.
- Military personnel with the rank of warrant officer and midshipman, who served under a contract for more than three years, also since January 2005.
- Military personnel with the rank of “sergeant” and “sergeant major,” as well as soldiers and sailors who entered into a second service contract no earlier than January 2005.
Conditions for obtaining a social mortgage under the President of the Republic of Tatarstan
In this region of Russia, social mortgage is very popular. Many people who do not have sufficient funds, but really want to improve their living conditions. They have been waiting in line to get an apartment for years. And social mortgages have helped to significantly shorten this list.
The population support system of the Republic of Tatarstan is aimed at providing benefits to employees of enterprises who can actively participate in the financing of social mortgages.
The transfer of housing under the program occurs according to the queue. A competition is being held in the region to select apartments that can be transferred to residents of the republic as part of a social mortgage.
Social mortgage in the Republic of Tatarstan is a mortgage that is provided on special (preferential) terms.
Main features of a mortgage:
- The citizen's need to improve living conditions. The decree stipulates that at least 18 square meters must be allocated per family member.
- The maximum term of a social mortgage is just over 28 years.
- The affordable interest rate is only 7%.
- Down payment required. However, if the borrower has compelling reasons, it is possible to obtain permission not to make the down payment.
- You can pay off your mortgage with more than just money. The program involves paying in goods of one’s own production in a personal household or repaying the debt with one’s labor.
- Part of the housing that has not yet been purchased can be rented out.
- If a childless family took out a social mortgage, and after some time they had a child, then the state provides financial assistance (200,000 thousand rubles) to pay for housing.
Who can get a mortgage?
- Public sector employees;
- Employees of enterprises participating in the financing of social services. mortgages;
- People who need urgent support.
Almost every resident of the Republic of Tatarstan can get a mortgage. To do this, you need to write an application to the local administration. The letter must be reviewed within three days. If the answer is positive, then the citizen can participate in the competition for housing under a social mortgage.
- A citizen must enter into a social mortgage agreement.
- Participates in a competition for housing.
- On the housing stock website you need to fill out an application containing a list of apartments.
- It is necessary to accumulate a large rating. It is determined by the amount of a person’s savings. These funds must be in the housing fund account.
- The winner of the competition will be the one whose application meets all the requirements and the citizen has the highest rating.
It is important to remember that those citizens who received square meters under the social program. mortgages under the President of the Republic of Tajikistan can no longer qualify for preferential housing distribution procedures.
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