And the main legislative act was the Decree of the President of Belarus No. 240 signed on July 4, 2017 “On state support of citizens in the construction (reconstruction) of residential premises”.
In addition to the current system of preferential lending for housing construction, Decree No. 240 introduced a new type of state support for citizens in need of improvement living 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 for large and young families and orphans - also to repay part of the principal debt on such loans. The recipients of subsidies are mainly:
The maximum loan amount to be subsidized is determined by the following formula…
The conditions for providing such state support will be:
About the subsidy plain language
Decree No. 240 refers to 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:
Banks provide commercial loans for the construction (reconstruction) of housing on their own terms applicable in each of them, the main of which are almost identical today:
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:
| 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 residential premises recognized as unsuitable 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 Law "On Veterans" | SR* — 2 p.p. |
| able-bodied adult family members of the deceased tenant of social housing - during the term of the lease agreement | 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 discharged from military service due to 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:
The transfer of a subsidy for the repayment of part of the interest will be made from the next month after the bank issues a loan for the construction (reconstruction) of housing on a monthly basis during the entire loan repayment period 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:
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-apartment 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, the living space in the property, will determine the maximum amount of the loan to be subsidized by the family
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
To buy an apartment in five years with a salary of 1400 ???))) 1400, dear, this is an unfortunate 700 bucks. Yes, for part of the population - this is good money. But for buying real estate in the capital without a loan - this is a laugh one. What do you offer those people to eat while they save up with a salary of 700 ye? Grass on the road? And where do you live these years - with your mother? Subtract from these 700 the cost of food, clothing, rented apartment(because if they plan to build their own, then they don’t have their own yet and take it off, you understand the logic? I don’t discuss dependents who live with their own family in their parents’ apartment, this is some kind of misery) - and what will be left, a hundred or two? Save up from this hundred for 5 years for a new kopeck piece?)) Tell me, huh?
I have an official income - 1800-1900 rubles per month. My husband has a little more. Moreover, we have had such income for a very long time. And for some reason we cannot afford to save up 80 thousand dollars from it, especially in 5 years, don't tell me. Car service, children's things, food, apartment, etc. - most of it is gone. Simply because in our country everything is not cheap, and a salary of 900-1000 ye is not at all a lot of money, it is very average and not at all enough for everything. And they seem huge to people who are already on the verge of poverty with an income of 300 ye. So this is not because a thousand is a lot, but simply 300 is very, very little. So they put people with cancer, what to do. And now it seems to them that a dream is an unfortunate piece of bucks.
It’s sad that we are considered to be the norm for 10 years to deny ourselves everything and put our lives on the purchase of a beloved concrete box, in which you can bend your back later - do repairs for a couple of years in order to save money and not pay the brigade. Not life, but candy straight)))) God forbid anyone.
In this section, we will talk about citizens who, for one reason or another, apply for receiving on preferential terms.
The ranks of the lucky ones in the past year have noticeably thinned. For those who have passed the most severe face control and ended up on the coveted list, as well as for those who only dream of getting into it, I have collected under “one roof” all the necessary information about what they eat with home loans on preferential terms. So, get acquainted - our new section "The whole truth about preferential lending" or "Preferential lending from A to Z".
Only here you can find answers to all questions regarding preferential loans. We will guide you through the jungle of Belarusian legislation and banking practice from the moment you register for those in need until the happy date when you last payment on credit.
Today we will try to help you figure out if you have, in principle, a chance to apply for soft loan for the construction, reconstruction or purchase of their own square meters. So, let's get acquainted with.
The maximum period for which preferential loans are provided should not exceed 20 years (for large families - 40 years)
Interest for the use of preferential loans for the purchase of residential premises, the construction of which was carried out under the state order in accordance with the Decree of the President of the Republic of Belarus dated May 8, 2013 No. 215 "On some measures to improve the construction (construction, reconstruction) of residential premises", during the period their repayments are established for young families with two minor children who do not belong to the categories of citizens specified in paragraphs three to sixteen of part one of subparagraph 1.1 of this paragraph - in the amount of 50% of the refinancing rate National Bank, effective on the date of approval of the lists for receiving preferential loans, but not less than 5% per annum.
1.1. the right to receive preferential loans for the construction (reconstruction) or purchase of residential premises is provided:
military personnel, members of the rank and file and commanding staff of the Investigative Committee, internal affairs bodies, financial investigation bodies of the Committee state control, bodies and divisions for emergency situations (hereinafter referred to as military personnel), serving in the military, serving in the Investigative Committee, internal affairs bodies, financial investigation bodies of the State Control Committee, bodies and divisions for emergency situations (hereinafter referred to as military service), citizens dismissed from military service by age, state of health, redundancy, including those who exercised their right to register those in need of better housing conditions at the place of residence within 6 months from the date of dismissal from military service, who have at least 5 calendar years of service in military service (with the exception of periods of training in educational institutions that train personnel in specialties (specialties, specializations) for the Armed Forces, other troops and military formations, the Investigative Committee, internal affairs bodies, financial investigation bodies of the State Control Committee, bodies and units for emergency emergency situations in full-time education) and registered as those in need of better housing conditions;
The maximum period for which preferential loans are granted should not exceed 20 years (for large families - 40 years).
Interest for the use of these loans during the period of their repayment is set in the following amounts:
the site continues to acquaint its readers with the Belarusian “benefits”. Who in our state is worthy of a loan for housing construction on preferential terms, we have decided. Now let's figure out how to get on the waiting list.
Despite the fact that when registering those in need of better housing conditions, for example in Minsk, you risk taking an honorable place at number 25,000 (and this is only for your specific area!), This is the only chance to become an applicant for a soft loan for construction, reconstruction and acquisition of own living space. In the new edition Housing Code Chapter 7 is devoted to those who want to “sign up as volunteers” in the Republic of Belarus. If you have already reached the age of 16 (it is from this moment, according to our legislation, a citizen has the right to be registered with those in need, if we are not talking about earlier emancipation - note ed.) For those who are going to conquer the capital, or at least the Minsk region, ten- and five-year registration at the place of residence, respectively, will be required. This applies to nonresident citizens who are not young professionals, family members of local residents, and in other cases, which are not subject to the registration requirement.
Citizens who do not own and (or) use, own a dwelling in the locality where they want to be accepted into this queue have the right to be included in the housing queue. In accordance with new edition ZhK RB the group of applicants also includes those citizens who were evicted from an apartment (house, room), where they lived as a relative, family member, etc. In more detail, with what is meant by citizens not owning and using residential premises, giving the right to register for housing, can be read.
Citizens whose total area of occupied living quarters is less than the established norm also apply for apartment registration: for Belarus as a whole - 15 sq m per person, for Minsk - 10 sq m per person. By the way, when calculating the provision of housing, all housing available to the applicant's family members only in the locality where he intends to be registered is taken into account. For Minsk: residential premises located in the Minsk region are also taken into account.
You have every chance of being registered as those in need of better housing conditions if at least two citizens live in a room or in a one-room apartment, one of whom suffers from a dangerous disease (the list is approved by the Ministry of Health). For those who live in the so-called "communal apartments", the green light is on if the housing supply is below the standard for a family member (15 and 10 sq m for the Republic of Belarus and Minsk, respectively).
Citizens living in non-insulated living rooms and who are not close relatives have the right to be included in the coveted queue.
Among other grounds for registration of apartment registration is residence:
Continuing the topic of matrimony, we note that citizens belonging to young families have the right to be included in the queue if both spouses got married for the first time and neither of them owns, owns or uses a dwelling. A young family is considered if one of the spouses is under 30 years old. Also, the queue includes citizens who have given birth (adopted, adopted) and raising a child without marriage, as well as widowed spouses raising children who have not entered into a second marriage, if they do not have their own housing (by right of ownership, under a contract of employment, under treaty shared construction). Those in need should be registered in without fail young workers (employees), young specialists who arrived at work by distribution, under an agreement on targeted training of a specialist, as well as by sending government agencies and organizations to places with increased radiation. Citizens belonging to the category of orphans and children left without parental care are taken into account.
A person who has a dwelling (apartment, house), but does not live in it, can be considered a person on the waiting list if, upon moving into this living space, he becomes in need of improved living conditions. In accordance with the law, organizations that have housing under economic management should provide in collective agreements additional grounds for admission to apartment registration. But in this case, such people on the waiting list can improve their living conditions only at the place of work. Registration of citizens in need of better living conditions is kept at their place of residence (registration) by the relevant district administrations of Minsk, as well as at the place of work in organizations. For registration at the place of residence from 10.08.2011, a 10-year period of registration at the place of residence in the capital is required. If you have a desire to get acquainted with the information “chewed” by us, so to speak, in the primary source, you can fulfill your plan.
So, you have been registered as those in need of better living conditions. It's up to the small: "sift" through an even finer "sieve". Issues of inclusion in the lists of concessional lending fall within the competence of district, city executive and administrative bodies, local administrations and other state bodies authorized to approve these lists. Our legislation is arranged in such a way that there are citizens who can count on the treasured millions for the construction of their own square meters.
Concessional lending and everything connected with it is under strict control and requires compliance with many formalities. That is why it will not hurt you to familiarize yourself with registering you in need of better housing conditions. Forewarned is forearmed!
In continuation of the journey through the wilds of preferential lending for housing construction, the site acquaints its readers with the conditions for obtaining a preferential loan, as well as with the methodology for calculating the area credited on preferential terms.
Building a palace on a soft loan, of course, will not work. The number of standardized square meters per representative of the homo sapiens species, especially in Minsk, is extremely small:
If you Hero of Belarus, Hero of the Soviet Union, Hero of Socialist Labor, full cavalier of the orders of Glory or Labor Glory, then you can add 15 "squares" to your housing that can be built through concessional lending. The same privilege is enjoyed by citizens who, in accordance with the law, have the right to additional living space for health reasons.
Multiplying the number of those in need by the meters due to you, do not forget to subtract from the resulting value:
By the way, residential premises owned by the borrower and (or) members of his family, located in all settlements of the Republic of Belarus, are taken into account.
The maximum amount of a preferential loan for the construction (reconstruction) of a dwelling is determined by the normalized size of the total area of the dwelling and at the cost of 1 sq. meters of the total area of a residential building under construction (reconstruction), but not exceeding the single marginal standard for the cost of 1 sq. meters of the total area of the dwelling, determined by the Council of Ministers of the Republic of Belarus. The volume of lending should not exceed 90 percent (for large families - 100 percent) of the cost of construction (reconstruction) of the normalized size of the total area of \u200b\u200bthe dwelling, taken into account to determine the size of the soft loan.
as part of the organization of developers, construction (reconstruction) of single-apartment residential buildings (apartments in blocked residential buildings) the calculation of the size of the preferential loan is based on the cost of construction (reconstruction) of 1 sq. meters of the total area of the dwelling at current prices as of the date of conclusion of the loan agreement, excluding costs not included in the summary estimate of the cost of construction, but attributable to the cost of construction.
During the construction (reconstruction) of a residential building on the basis of an agreement on the creation of an object of shared construction the calculation of the size of the soft loan is based on the cost of construction (reconstruction) of 1 sq. meters of the total area of the dwelling, taking into account the limited profit of the developer, provided for by law.
Changing the size of an open credit line is made during the period of issuing a preferential loan and (or) the construction (reconstruction) of a dwelling in the event of a change estimated cost construction (reconstruction) of a dwelling, or a single marginal standard for the cost of 1 sq. meters of the total area of the dwelling, determined by the Council of Ministers of the Republic of Belarus, taking into account the construction readiness of the dwelling house.
At the beginning of 2014, the Council of Ministers of Belarus approved a single marginal standard for the cost of 1 sq. m. m of the total living area in the amount of 6.1 million rubles.
The document entered into force on January 1 this year. Until that time, the marginal standard for the cost of 1 sq. km. m of housing in the amount of 5.3 million rubles, fixed by a government decree in September 2013.
This indicator is used to calculate maximum size concessional loan for the construction or reconstruction of housing. Lending housing construction on the benefits of Belarusbank and Belagroprombank will now provide on preferential terms no more than 6.1 million rubles for the cost of 1 sq. km. m of living space.
Recall that the cost of a soft loan will depend on the category of needy, to which you were assigned in accordance with the law. The maximum loan term will be 20 years (40 years for large families).
“Wrapped up” for the next two decades in a preferential loan from head to toe, you will repay your debt to the bank in equal monthly installments. Payments will need to be made:
In special cases, the bank provides deferred payments certain categories borrowers, namely:
If you have a desire to sell brand new square meters after the full repayment of the preferential loan and buy something at your own discretion for the proceeds, you will have to wait.
Sale of residential premises, their parts, shares in the right of ownership, built (reconstructed) or acquired with the attraction of a preferential loan, within 5 years from the day early repayment this loan can be carried out by the relevant district, city executive and administrative body, local administration in the manner prescribed by law.
If the relevant district, city executive and administrative body, local administration refuses to purchase a dwelling (its parts, shares in the ownership right), built (reconstructed, acquired) with the attraction of a preferential loan, the sale, donation or exchange of the said dwelling (its parts, shares in the ownership right) within 5 years from the date of early repayment of the loan is carried out with the permission of this executive and administrative body, the local administration in exceptional cases (moving to another locality, divorce, death of the homeowner, etc.) or in case of improvement housing conditions by the owner of housing through the construction, reconstruction or acquisition of residential premises.
It will be possible to rent out housing built with a preferential loan not earlier than 1 year from the date of loan repayment.
So, having contacted a preferential loan once, you will not part with it, probably until your retirement.
Next Friday we will continue to understand the intricacies of concessional lending and tell you about subsidies for the construction and reconstruction of residential premises.
Subsidies will be the final point in our journey along the thorny path of preferential lending for housing construction. Small, disposable, but gratuitous, and therefore very desirable.
The amount of the subsidy is determined as the sum of its base share, determined as a percentage of the cost of construction (reconstruction) taken into account for determining the amount of the subsidy of the normalized size of the total area of the dwelling, and housing quotas of the citizen receiving the subsidy and members of his family who, in accordance with the law, are entitled to indexation of housing quotas and those who expressed a desire to improve their living conditions using a subsidy.
The amount of the base share of the subsidy is determined based on:
The calculation of the base share of the subsidy is made at the cost of 1 m 2 of the total area of the housing under construction (reconstruction), but not exceeding the single marginal standard for the cost of 1 m 2 of the total area of the housing, determined by the Council of Ministers of the Republic of Belarus. Recall that today this figure is set at 6.1 million rubles per 1 sq. m.
To receive a subsidy, it is necessary to submit the following to the executive committee or to the organization where the citizen is in line for housing: the documents:
Part of the "paperwork" will have to request at the One Stop Shop.
If it goes on the construction of residential premises as part of the organization of developers, in terms of shareholding housing construction under an agreement with the developer or another agreement on the construction of housing:
When construction (reconstruction) of single-family, blocked houses or apartments:
If you buy a home , then "One Window" will help you with:
Families with many children
At the birth (adoption, adoption) of the third and subsequent children after the conclusion of the loan agreement, financial assistance from the state in repaying the debt on preferential loans is provided to families in accordance with the number of minor children at the date of birth (adoption, adoption) of the child (taking into account the born, adopted, adopted) .
For young families
For families with many children, financial assistance from the state in repaying debts on preferential loans is provided in the manner established by the Council of Ministers of the Republic of Belarus, after the commissioning of residential buildings (acquisition of residential premises) in accordance with the number of minor children on the date of conclusion of the loan agreement and the amount of debt on preferential loans for the date of submission by the borrowers to the open joint-stock company "Savings bank"Belarusbank" documents required to obtain it, and is in the following amounts:
Recalculation for young families financial assistance state, received in accordance with the legislation on the earlier operating conditions, is not produced.
State financial assistance and payment of interest for the use of large and young families on preferential loans repayable at the expense of state financial assistance are provided in equal shares within the terms established by the loan agreement.
Almost everyone dreams of owning their own home. Many citizens can count on state support, for example, to receive a soft loan for housing construction (hereinafter referred to as the loan). And for some persons, the right to receive a loan out of turn is provided.
What you need to know about credit
Only persons who are registered as needing better housing conditions are entitled to receive a loan (hereinafter referred to as registering those in need). They issue loans according to lists approved by local executive committees or administrations. The lists are compiled taking into account the priority: the first to receive a loan is the one who was registered with the needy earlier<*> .
You have the right to use the loan for the construction, reconstruction or purchase of housing. You can build with a loan<*> :
- an apartment in an economical multi-apartment and blocked residential building of typical consumer qualities.
On a note
The list of such houses is approved by the Ministry of Construction and Architecture;
- an apartment in an apartment building and a blocked residential building, project documentation for the construction of which was approved before June 1, 2013;
- single-family residential building.
The loan amount is determined individually for each citizen (family). Wherein<*> :
1) 20 sq. m of total housing area per family member (in Minsk - 15 sq. m);
On a note
For families with many children, the standard for credited area in Minsk is set at 20 sq. m. m per family member<*>
;
2) the cost of one square meter housing should not exceed the established standard;
3) if any of the family members owns housing, then its total area is deducted from the credited one.
Note!
You can be given a loan for up to 90% of the cost of building, renovating or buying a home. The exception is large families: they are entitled to receive a loan in the amount of 100% of this cost<*>
.
The loan is issued for a period<*> :
- up to 40 years - to large families, as well as orphans and children left without parental care (hereinafter - orphans); persons from among orphans;
Note!
Orphans have the right to receive a loan, even if they were provided with social housing<*>
.
The interest on the loan is set in the following amounts, in particular<*> :
- 1% per year - for large families and orphans, including those who received social housing;
- 20% of the refinancing rate of the National Bank, but not less than 5% per year - for other categories.
On a note
For the calculation, the refinancing rate is applied, which is set on the date of approval of lists for loans.
You will repay the loan amount and interest on it in equal installments during the entire loan term. If the family has a child under three years of age and one of the parents receives an allowance for caring for him, then the payment of the loan and interest on it is deferred for the period of receiving the allowance<*> .
Note!
The loan and interest payment deferment is provided only for the period of receipt of the care allowance. second or subsequent
child<*>
.
Who is eligible to receive a loan out of turn
| Categories of citizens | Are they underprivileged?<*> | Note |
| Large families | Yes | To receive a loan, the family must have three or more children under the age of 23. Children must be unmarried and live with their parents<*> |
| Families with disabled children, as well as disabled children of groups I and II | Yes | |
| Citizens who fell ill, suffered from radiation sickness or became disabled as a result of the Chernobyl disaster, other radiation accidents | Yes | |
| Persons who live in residential premises recognized as unfit for habitation | Yes | Unsuitable for habitation, for example, living quarters in which<*>
:
- no kitchen – there are no windows or ventilation in the kitchen; - height from floor to ceiling is less than 2.4 m |
| Laureates of special funds of the President for the social support of gifted students and (or) for the support of talented youth | Yes | To receive a loan out of turn, the laureate must simultaneously<*>
:
- be between the ages of 18 and 31; - have documents that confirm his title |
| Family members of the tenant of social housing, if the tenant has moved to another dwelling or has died | Not | The following conditions must be met at the same time<*>
:
- family members are of age and able to work; - the family has no other housing in this settlement with a total area of 15 square meters. m and more per person (for Minsk - 10 sq. m and more); – the term of the social housing rental agreement has not expired |
| Military dismissed from service due to age, health status, redundancy | Not | They have the right to receive a loan out of turn, including if they are registered as needy within 6 months from the date of dismissal<*> |
| Orphans; orphans |
Not | Orphans (under 18) under one of the following conditions: - a decision on emancipation was made in relation to them; - upon marriage |
| Persons from the number of orphans and orphans in respect of whom a decision on emancipation has been made or married, if they are tenants of social housing | Not | The right is granted only during the term of the fixed-term social housing contract |
| ———————————
<*>The low-income include citizens who at the same time<*> : - the average monthly income for each family member does not exceed three times the average monthly minimum consumer budget for a family of 4 people. The total family income is calculated for the 12 months preceding the month of submission of documents for obtaining a loan; — total cost assets not exceeding twice the maximum loan amount. In this case, property means, among other things, apartments, residential buildings, cottages, garages and shares in them, as well as vehicles except for mopeds and bicycles. |
||
What other forms of government support exist
Other forms of state support for improving housing conditions are also provided for those who are not on the waiting list, for example, a one-time subsidy for the construction, reconstruction or purchase of housing (hereinafter referred to as the housing subsidy)<*>. It can also be obtained out of turn.
The amount of the housing subsidy depends<*> :
- on the composition of your family, which is registered as needy;
- the size of housing quotas (registered privatization checks "Housing") of your family members;
— the average monthly total family income.
Note!
When accruing a housing subsidy for those who are not on the waiting list, it does not matter how long they have been registered as needy. The housing subsidy will be credited to the maximum possible amount without taking into account such a period<*>
.
A housing subsidy can be obtained for no more than 70% of the cost of housing at the rate of 20 sq. m of total area per family member (in Minsk - 15 sq. m, for large families - 20 sq. m)<*> .
Receive at the same time a loan and a subsidy for housing from among the out-of-turn<*> :
- persons who live in residential premises recognized as unsuitable for habitation;
- citizens who fell ill, suffered from radiation sickness or became disabled as a result of the Chernobyl disaster, other radiation accidents;
— families that include children with disabilities, disabled since childhood of groups I and II.
The rest of the citizens need to choose what form of state support they want to use: a loan or a housing subsidy<*> .
Note!
For out-of-priority who have built or reconstructed housing not on preferential
loans, there are also subsidies<*>
:
- to pay part of the interest for the use of loans;
— repayment of principal on such loans.
To date, the main documents that provide state assistance in acquiring housing are:
Decree of the President of the Republic of Belarus No. 13
Lending under Decree No. 13 in our country is carried out only by Belarusbank, we contacted its contact center to find out if it is possible to get such a loan now, here is what a bank specialist answered us:
— The basis for obtaining a preferential loan in accordance with Decree No. 13 are lists compiled in accordance with the order of citizens in need of better housing conditions and approved, respectively, by district, city executive and administrative bodies, local administrations, relevant ministries and departments.
In other words, the loan is valid, but the issue of its issuance will be considered by the bank only after receipt of relevant information from local executive bodies.
Here is what is said about this on the website of the Ministry of Architecture and Construction of the Republic of Belarus:
— Decree No. 13 continues to operate in full for citizens who have already received preferential loans. New contracts under this decree will be concluded only if there is a free funds. The amount of funds for additional lending under Decree No. 13 will decrease every year, and from 2018, support will be provided almost exclusively under the terms of Decree No. 240.
Based on this, we can conclude that although Decree No. 13 is in force, support for it is practically not being carried out.
Decree of the President of the Republic of Belarus No. 240
| What is the subsidy for? | . 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 . for the construction of single-family houses . for residential renovation |
|
| What can be covered with a subsidy? | part of the interest for using a loan for housing construction received from any commercial bank | within the limits of the maximum normalized cost of a dwelling |
| part of the principal debt on a housing loan | only for large families, orphans, families raising disabled children | |
| Who can apply for a subsidy? | citizens eligible to receive state support in accordance with Decree No. 13 | . military personnel, private and commanding officers of the Investigative Committee, State Committee forensic examinations, internal affairs bodies, etc. . citizens entitled to extraordinary receipt of residential premises for social use of the state housing stock . citizens who are tenants of residential premises for social use of the state housing stock, provided to them as orphans and children left without parental care . low-income citizens who are registered in need of improved housing conditions from among large families, citizens whose families include children with disabilities, as well as people with disabilities from childhood of groups I and II …and other categories |
| current prosecutors and already dismissed due to age, health status, as well as due to a reduction in the number or staff |
a prerequisite - at least 5 years of service in the prosecutor's office | |
| low-income citizens who are building or reconstructing housing in the Mogilev region | on the territory of Krichevsky, Klimovichsky, Krasnopolsky, Kostyukovichsky, Slavgorod, Cherikovsky and Khotimsky districts | |
normalized size of living quarters * number of family members * marginal cost standard for 1 sq. meters * 90% (large families - 100%)
At the moment, the maximum cost per square meter is:
About the subsidy - in simple terms
As a result, a person receives not a preferential, but the most common commercial loan and a subsidy for its repayment. This can be done in those banks that participate in the subsidy system, today there are 6 of them:
Please note that when the refinancing rate changes, the loan rate will also change!!!
Amount of aid
| Category | The amount of the subsidy for repayment of the principal debt on the loan, % | The amount of the subsidy for the repayment of interest on the loan, % |
| according to the decisions of the executive committees adopted from March 1, 2019 | ||
| Large families | ||
| large families with 4 or more minor children | 100 | SR+3, |
| large families with 3 minor children | 95 | SR+2, but not more interest rate on credit |
| large families with at least 3 children under the age of 23 who are not married and live together with the recipient of the subsidy | 0 | |
| Children - orphans and children left without parental care | ||
| orphans and children left without parental care, in respect of whom a decision on emancipation has been made or who have entered into marriage, persons from among orphans and children left without parental care | 50 | SR+2, but not more than the interest rate on the loan |
| citizens who are tenants of residential premises for social use of the state housing stock, provided to them as orphans and children left without parental care, in respect of whom a decision has been made on emancipation or who have entered into marriage, persons from among orphans and children left without parental care | ||
| Citizens whose families include children with disabilities, as well as people with disabilities from childhood of groups I and II | ||
| citizens whose families include children with disabilities, as well as people with disabilities from childhood of groups I and II | 50 | SR-2, but not more than the interest rate on the loan |
| young families | ||
| young families with 2 minor children on the date of the decision to provide a subsidy | 0 | SR-2, but not more than the interest rate on the loan |
| Other categories of citizens | ||
| military personnel, members of the rank and file and commanding staff of the Investigative Committee, the State Committee for Forensic Examinations, internal affairs bodies, financial investigation bodies of the State Control Committee, bodies and units for emergency situations, etc. | 0 At the birth (adoption, adoption) of children, young families are provided with a subsidy for repayment of the principal debt: |
SR-2, but not more than the interest rate on the loan |
| citizens who, in accordance with legislative acts, have the right to receive extraordinary residential premises for social use of the state housing stock | ||
| able-bodied adult members of the family of the tenant of residential premises under the contract for the rental of residential premises for social use of the state housing stock in the event of his death or departure for permanent residence in another residential premises | ||
| citizens who fell ill and suffered from radiation sickness caused by the consequences of the disaster at the Chernobyl nuclear power plant, other radiation accidents | ||
| veterans of military operations on the territory of other states from among the categories of citizens provided for in accordance with the law "On Veterans" | ||
| citizens living in residential premises recognized in accordance with the established procedure as unfit for habitation | ||
| adult young citizens who are laureates of the special fund of the President of the Republic of Belarus | ||
| citizens who were awarded scholarships of the President of the Republic of Belarus to talented young scientists | ||
| citizens living for at least 10 years in dormitories, in residential premises of the state housing stock under residential sublease agreements, etc., who are registered as in need of improved housing conditions during the specified period | ||
| citizens engaged in the construction (reconstruction) or acquisition of residential premises in settlements with a population of up to 20 thousand people and in satellite cities | ||
| low-income citizens engaged in the construction (reconstruction) of residential premises in settlements in the south-eastern region of the Mogilev region | ||
| judges and prosecutors, citizens from among prosecutors dismissed from service in the prosecutor's office due to age, health status, etc. | ||
| citizens engaged in labor activities in settlements in the south-eastern region of the Mogilev region, belonging to low-income citizens engaged in the construction (reconstruction) of residential premises in settlements in the south-eastern region of the Mogilev region |
but not more than the interest rate on the loan |
|
For clarity, here is an example:
For a large family with 3 children, the subsidy will cover 11% (refinancing rate 9% + 2 percentage points) of 12% per annum and 95% of the principal amount. And if the family has 4 or more children, the subsidy will fully cover the payment of interest on the loan, as well as 100% of the principal debt.
Please note that the amount of the subsidy depends on the composition of the family. If it changes, the amount of the subsidy will be recalculated.
In addition, Decree No. 474 establishes a number of restrictions to receive state support for able-bodied citizens not employed in the economy. These restrictions came into effect on March 1, 2019. State support will not be provided to families in which all able-bodied family members are not employed in the economy. However, they have been given the right to re-apply for it if the grounds for classifying them in the above category of citizens have disappeared.
How is everything going?
Decisions on the provision of subsidies are made by district, city executive and administrative bodies, and local administrations.
As you can see, Decree No. 240 offers a very convenient and profitable tool for improving living conditions. And if you fall into the category of those who are entitled to the agreed benefits, you can consider yourself lucky!
Information provided as of January 4, 2020.
