In the conditions of modern economic realities, the Government of the Russian Federation is developing new mechanisms to support vulnerable and needy segments of the population. The governments of the republics, territories and regions do not stand aside and, in turn, create programs of benefits and subsidies on the ground. Most of the programs are designed to allow different segments of the population to improve their living conditions. An example of such a successful program is the social mortgage under the President of the Republic of Tatarstan.
social mortgage in Tatarstan, it replaced the program for the resettlement of owners of residential premises recognized as emergency or dilapidated, which ended in 2004. The social mortgage program allows borrowers to purchase housing on more favorable terms than the national average, which became possible thanks to the participation of the State Housing Fund under the President of the Republic of Tajikistan (SHF).
Social mortgage in the Republic of Tatarstan allows the borrower to:
When obtaining the opportunity to purchase an apartment under the program, the borrower must comply with certain restrictions:
In this connection, before applying for a social mortgage, it is necessary to calculate all types of possible benefits and subsidies and choose the most beneficial for the borrower.
For receipt social loan under the President of the Republic of Tatarstan, the following groups of citizens can count:
The conditions of social mortgages are made up of many factors, the main of which is the purchase of a dwelling in certain residential complexes. Apartments on preferential terms are provided in the houses under construction of those developers who are participants in the program. The list of residential complexes is available on the GZHF website and on the websites of developers, as well as on the websites of banks participating in the program.
A mandatory criterion for the construction of residential square meters is complex development, so the borrower gets the opportunity to purchase new housing in an area with developed infrastructure.
Since the list of residential complexes is limited, it is possible to purchase an apartment with the help of social mortgage funds only in large cities.
The list of possible borrowers for obtaining a social mortgage in Kazan corresponds to the general list. If a citizen fully meets the requirements of the program, he needs to collect a complete package of documents:
After submitting all the documents to the GZHF and making a positive decision by the City Housing Commission in relation to the borrower, the citizen has to wait for the appearance of a suitable apartment. The Salavat Kupere microdistrict, which is designed to solve the housing problem of 14 thousand families, is the most demanded today.
In addition to social mortgages, branches of major banks in Tatarstan offer a number of programs to improve living conditions.
In Naberezhnye Chelny, the list of possible borrowers under the social mortgage program includes the same groups of citizens. The main condition for obtaining the opportunity to participate in the program is documentary evidence of the status of the family as needy. the total cost square meter housing includes benefits for children.
Are more popular residential complexes located on the outskirts of the city, since the cost per square meter is lower here than in central regions cities, and the ecological situation is much more comfortable. The most popular are the area "Yalshek - 2", the construction of which is ongoing, and "63 complex".
Residents of Naberezhnye Chelny also have the opportunity to take advantage of the Building the Future program, which allows them to purchase their own housing on favorable terms.
The number of banks participating in the program is limited, as not many are present in individual settlements.
The program includes not only banking organizations Republic of Tatarstan, but also partner banks operating throughout the territory Russian Federation:
For the current period, a social mortgage agreement in Tatarstan is concluded by the borrower directly with the representative office of the State Housing Fund under the President of the Republic of Tatarstan. The borrower opens an account in the partner bank of the program, to which he undertakes to transfer the minimum amount every month during the payment period, which is formed from at least 11% of the cost of 1 sq. meters of housing area. GZHF has the right to terminate the contract in unilaterally if the borrower defaults on payment obligations.
In addition to social mortgages, banks of the Republic offer borrowers to improve their living conditions by participating in the Young Family program. The main criterion for the borrower is the age of the spouses (at least one of them should not be older than 35 years). This program allows you to purchase housing at a lower interest rate (on average from 7.4%) both in new buildings and in the secondary housing market.
The creation of the non-profit organization "State Housing Fund under the President of the Republic of Tatarstan" is determined by Decree of the President of the Republic dated March 30, 1995 No. 213. The main idea of creating the organization is to search for and attract extra-budgetary funds to develop the construction of housing stock in the Republic and create the possibility of acquiring their own housing for citizens of the Republic of Tatarstan.
The initial task of the GZHF was to implement a program for the resettlement of citizens of the Republic from housing that does not meet the required standards (dilapidated, emergency). In addition to the construction of residential premises, the Foundation was engaged in the construction of socially significant facilities (polyclinics, schools, kindergartens and other facilities). Upon completion of the program in 2004, the Fund switched to the implementation of the program formulated in the Law of the Republic of Tatarstan dated December 27, 2004 No. 69-ZRT.
The Housing Fund under the President of the Republic of Tatarstan creates the conditions under which housing becomes more accessible to potential owners, and construction residential areas– profitable for commercial developers. The balance is achieved by providing the developer with commercially successful land plots in exchange for the allocation by the developer of 50% of the housing stock under the social mortgage. The developer has the right to sell the remaining 50% at the market price, thereby receiving a financial profit.
Upon approval of a social mortgage under the President of the Republic of Tatarstan, the borrower can wait for proposals for suitable apartments from the Housing Fund, or he can create a personal page on the GZHF website. It will display the rating of the borrower, which depends on the amount of accumulated amount for the proposed housing. An important criterion is the degree of need of a particular family.
When ready-made options apartments, the possibility of obtaining housing is higher for those program participants whose rating is higher. Practice has shown that obtaining an apartment on the basis of a rating is faster.
The implementation of the social mortgage program under the President of the Republic of Tatarstan is planned until 2019, but in case of high demand among the population, it can be extended.
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June 21, 2017The city of Naberezhnye Chelny actively participates in the implementation of the Social Mortgage Program. The investor - the State Housing Fund under the President of the Republic of Tatarstan - entrusted LLC "DOMKOR" (formerly LLC "Housing investment company"), the main customer-developer residential buildings in the city of Naberezhnye Chelny, to carry out technical supervision of housing construction under this program.
The non-profit organization "State Housing Fund under the President of the Republic of Tatarstan" (NO GZhF RT) was founded on March 30, 1995 by Decree of the President of the Republic of Tatarstan M.Sh. Shaimiev No. 213 "On measures for the development housing construction in the Republic of Tatarstan" to develop and implement non-traditional methods of financing and attracting extra-budgetary funds for housing construction. The Fund has been implementing the Social Mortgage Program since 2005 in accordance with the Law of the Republic of Tatarstan No. 69-ZRT “On government support housing construction in the Republic of Tatarstan” dated December 27, 2004.
The main activity of the fund is the implementation housing programs adopted by the Government of the Russian Federation, public authorities of the Republic of Tatarstan and local governments, as well as the sale of housing to the population of the Republic of Tatarstan on the principles of social mortgage, mortgage lending to citizens and legal entities. The operation of the Social Mortgage Program is planned for the long term - until 2019.
Social mortgage is designed specifically for certain categories people who need better housing but cannot afford it.
Social mortgage provides an opportunity to purchase housing on privileged terms for certain categories of the population using state financial support and mortgage lending. The social mortgage of the Republic of Tatarstan is regulated by the Law of the Republic of Tatarstan No. 69-ZRT dated December 27, 2004 “On State Support for the Development of Housing Construction in the Republic of Tatarstan”.
Decrees of the Cabinet of Ministers of the Republic of Tajikistan dated April 15, 2005 No. 188, No. 189, No. 190, No. 233, No. 479, No. 480. It is important to remember that living conditions improve only within the established social norms (today this norm is 18 sq. m per person).
Since 2004, more than 5,000 families have celebrated housewarming under the social mortgage program.
For specific information on social mortgages, contact non-profit organization"State Housing Fund under the President of the Republic of Tatarstan".
Welcome! Today we will find out what a social mortgage is, who can get it. How to get 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 at the expense of your own funds, who have them, or you can resort to the help of banks and use mortgage credit lending. But what if the income does not allow you to use any of these methods? Social security comes to the rescue. It is she who exists in our country to solve the housing problem of citizens with medium and low incomes.
What is the difference between a regular loan and a soft loan? First issued commercial bank a client who repays a 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 the use of borrowed funds and the down payment will be rather rather big. The social mortgage agreement will include a third party to the agreement - the state. Here, his role is to maintain the interests of both parties: reimburse the bank for its commercial benefits and provide citizens of the Russian Federation with affordable housing.
Social mortgage lending is a government program implemented at the subject level. Therefore, in each region it has its own characteristics, which can be found in the local authorities at the place of residence, or in AHML.
What is the essence of social mortgage? The point is that the housing mortgage will be issued with one or another support state budget. And in what amount - depends on which category of beneficiaries you fit. In fact, a social mortgage is a complex concept that includes a number of government support programs for the population as part of the housing issue. They are often confused and confused into one concept.
The concept of "social mortgage" should be divided into a number of derivatives:
In certain cases, state assistance will be 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 be 30%, and for young families with children - 35% market value dwellings.
There are the following social mortgage conditions:
Who is eligible? Many citizens are unaware of the opportunity for them to acquire housing at preferential terms. To do this, you need to know who can get a social mortgage.
You can expect to receive in 2019:
Program participants are solvent working citizens of the Russian Federation who have stable incomes and are able to get a loan, i.e. comply with the terms of its provision; having in the accumulation of funds for the down payment. Them credit history must be positive. They must be recognized as in need of housing improvement or residents of the emergency fund (for a number of subprograms). For state employees it is required to have seniority by profession from three years or more in state structures. Citizens from 18 to 54 years of age with continuity of service in one place for at least six months fall under the housing social mortgage fund. Military personnel who have served for at least ten years. More detailed conditions should be considered for specific programs.
First of all, you need to make sure that you are in any category of beneficiaries. Depending on the type of program, contact the authorities and/or the bank first. If so, the next step is to collect the necessary documents.
The basic list includes:
This list is basic and basic for all categories of beneficiaries and is supplemented depending on which social program suits you. What documents are still needed, you can find out more in the rest of the articles on our site.
A special certificate will be required in order to become a member of the Young Family program in 2019. You must notify the local authorities and the bank of your intention to receive soft loan to buy an apartment and get into 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 give a loan agreement already drawn up with the bank.
Most profitable offer under this program in 2019 is offered by NOAIK, a partner of AHML in Novosibirsk, for example, the rate of 10.95 for finished housing and 11.2 for the construction period.
A mortgage for military personnel involves opening a nominal savings account. The state monthly transfers certain amounts to it, regularly indexed. The money can then be used to purchase a home. You can use it both during service and after leaving the reserve. Such a product in 2019 is available to all young officers, even those who already own real estate. Several banks are engaged in lending to the military under the NIS.
And other points are discussed in our last post. You can also use our credit calculator for calculation.
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 amount of the monthly loan installment, use our website.
Social mortgage "Building the Future" operates in the Republic of Tatarstan (Kazan, Naberezhnye Chelny, etc.). The essence of the program is that the family joins the “Building the Future” cooperative and then participates in the auction of apartments, offering their affordable price for them. The family that offers the highest price will win the competition and receive the apartment at a discounted price. Social mortgage Building the future is available in the city of Naberezhnye Chelny, for example, 90% of the population.
The social mortgage "We are building the future" under the President of the Republic of Tatarstan is issued on the following conditions: Rate from 7% per annum; First installment from 10% of the loan amount; Term 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 rates are offered by VTB24 Bank (this is 9.4% per annum for using a loan and a down payment of only 10% for any convenient loan term), Rosbank, and the Mortgage Agency of the Republic of Tatarstan. For selection credit institution and more favorable conditions for yourself, use our mortgage calculator.
Rosselkhozbank has developed a special loan product– rural mortgage in Russia. It was created to help young professionals living in countryside. 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 provinces because of the low value of collateral.
Lending terms:
Knowing the terms of the loan and the cost of the desired apartment, you can calculate the amount of the monthly payment using our mortgage calculator.
How to get a social mortgage in 2019 — can be found in AIZhK. This is the main organization to which the government entrusted the implementation of state social programs to provide the population of the Russian Federation with their own housing and improve living conditions. AHML implements such programs as "Housing for the Russian family", issues such products as " military mortgage”, “Social Mortgage for Doctors, Teachers and Scientists”, also implements a program to help borrowers.
Advantages of AHML:
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