Providing housing for certain segments of the population is a priority task not only for the state as a whole, but also for regional authorities. For example, on the territory of the Republic of Tatarstan since 2004, a draft law on social mortgage, developed at the local level, has been successfully functioning, which differs from national programs and allows you to purchase housing on preferential terms. The program is personally supervised by the President and the State Housing Fund (GHF) of the Republic of Tatarstan.
How the program works, who can become a participant and what is needed for this - we will tell you today.
Social mortgage under the President of the Republic of Tatarstan is focused on a certain contingent, namely:
- Public sector employees - doctors, teachers, law enforcement officers.
- Families with less than 18 sq. m. that is, the available living space does not meet the standards of comfortable living, or the existing housing is recognized as emergency and unsuitable for living.
- Families raising children with disabilities.
- Employees of enterprises who are actively involved in the work of the social mortgage program.
There are a number of other conditions that must be met:
- The family has a monthly income of at least the subsistence level and will be able to pay mortgage payments.
- Applicants must reside in Tatarstan for a certain period of time and work here for at least 10 years.
The essence of the social mortgage program under the President of the Republic of Tatarstan is that an agreement is signed between the person and the State Housing Fund, according to which the first undertakes to pay monthly contributions that form savings for a new apartment. Subsequently, with these contributions, it will be possible to pay part of the cost of new housing, and the missing amount can be arranged in the form of a mortgage loan.
The maximum period for which a loan can be provided is 28.5 years. A fixed interest rate of 7% per annum is set for the entire loan period, which is extremely beneficial for borrowers.
A prerequisite is the presence of an initial payment of 10-30%. It can be formed:
- Due to the savings made during participation in the program.
- With the help of maternity capital.
- With the help of obtaining a state subsidy for young families, the amount of which in some cases can reach 40% of the value of the acquired property.
- At their own expense.
From the explanations given by GZF, we can conclude that the property owned by the property can also act as a down payment, but only if certain conditions are met. In this case, a special agreement is concluded between the GZF and the owner, according to which the family can live in this apartment until they receive a new home.
According to the terms of the program, if the mortgage is issued by a family in which there are no children, but a child is born during the term of the loan agreement, the spouses can expect to receive financial assistance in the amount of 200,000 rubles. These funds will need to be used to repay the loan.
A feature of the program can be called the fact that participants can make monthly payments both in cash and pay with labor, as well as with goods of their own production in their personal household.
How to arrange correctly
The first thing that needs to be done to participate in the social mortgage program is to apply to the local authorities with an application and obtain the status of in need of improvement in housing conditions. The employees working there can also advise in detail on the conditions for the functioning of the program, make preliminary calculations, and suggest the best design option. For employees of enterprises participating in the financing of the program, there is the possibility of submitting an application through the manager.
Next, you will need to collect the documents necessary for consideration of the application and wait for the final decision on whether it is possible to provide a social mortgage. A period of 1 month is allocated for this. If a positive answer is received, it remains to sign a social mortgage agreement and start making monthly contributions to the GZF, the amount of which will depend on the family's income.
- You need to wait for the queue to receive one or more offers to buy a home on a mortgage from the State Housing Fund.
- Take part in the competition, which is held on the principle of a rating auction.
To participate in the competition, you will need to register on the GosZhilFond website and gain access to your personal account, from the page of which applications for participation in the competition are sent. Moreover, the higher the rating of the contest participant, the more chances he has to become its winner. The rating is formed on the basis of the savings already made during participation in the program and the duration of stay in it.
There is a third option, when state assistance in buying a home is provided urgently and urgently. Each such application is considered individually and as soon as possible.
List of required documents
For registration of a social mortgage in the Republic of Tatarstan, you must provide the following package of documents;
- Family member passports.
- INN and SNILS.
- Birth certificate of children (if any).
- Marriage certificate (if available).
- Military ID for men.
- Education documents.
- A copy of the work book and a certificate of the amount of income received.
- Documents for housing in which the family lives.
You also need to fill out an application form. Depending on the situation, in some cases, additional documents are requested.
Where are the apartments
Social mortgage in Tatarstan implies certain restrictions on where you can buy an apartment. It cannot be any apartment building chosen by the borrower, but only those houses and residential complexes that are being built specifically for the purpose of implementing this program.
Such real estate is not being built in all localities. Most of such housing is being built in Kazan, as well as in Naberezhnye Chelny. It also appears in small towns of the republic, but there the choice of offers is often limited. At the same time, you need to understand that the cost per square meter differs depending on where the future house is being built. Based on this, the amount of the loan and the rating points required for registration of real estate in a mortgage will change.
Underwater rocks
Each state program is not devoid of nuances, which at first do not pay attention to themselves, but in fact become the cause of difficulties in the future.
For example, when purchasing housing on a social mortgage in Tatarstan, the borrower undertakes not to change the place of work for 10 years, and also not to stop working. If this requirement is violated, the balance of the debt will have to be paid at double the interest rate. There is an option to terminate relations with the employer without receiving a fine. To do this, it is necessary that the departure of the employee is carried out in agreement with the management.
Also, by purchasing housing under this program, a person will no longer be able to take part in other social projects aimed at helping those in need in their own home. That is, you can buy housing on a social mortgage only once.
It should also be said that there are standards for the size of living space that can be purchased under the social mortgage program. They make up:
- For a family of one person - 33 sq.m.
- From two people - 42 sq.m.
- Of three people - 18 sq.m. for everyone.
Another significant point is that until the borrower pays the cost of the housing purchased on the mortgage, he will use the living space under a social tenancy agreement, as well as pay rent for it (payment is made at state rates, which are minimal). It will be possible to register the property only after the full repayment of the debt.
According to the initial version of the bill, the social mortgage program in Tatarstan is designed for a period until 2020. So far, no reliable information has been received about the extension of the program for the next years. We would like to hope that even if it is curtailed, the regional authorities will develop new measures to provide housing for those in need. You can find out about this from the news.
Answers to frequently asked questions"
Conclusion of a social mortgage agreement
How long does it take to conclude a social mortgage agreement?
From the moment citizens have the right to state support for improving housing conditions under the social mortgage program, citizens, within 90 days from the date of receipt of notification of inclusion in the Register of a specialized organization, are obliged to conclude a social mortgage agreement with the State Housing Fund under the President of the Republic of Tatarstan non-profit organization and make monthly payments of preliminary savings in the amount of at least 11 percent of the average market value of 1 sq. meters of the total area of housing approved by the Federal Agency for Construction and Housing and Utilities for the IV quarter of the year preceding the year in which the program "Provision of housing for citizens in the Republic of Tatarstan" is being implemented for the next year.
Is it possible for a citizen who is not an employee of the public sector to get an apartment on the terms of a social mortgage?
Participation in the social mortgage program, in addition to public sector employees, exists only for employees of organizations participating in the financing of the social mortgage program, as well as for citizens recognized by local governments in need of urgent support and approved by the decision of the Board of Trustees of the Non-Profit Organization State Housing Fund under the President of the Republic Tatarstan ".
In cases where the Applicant has already participated in the social mortgage program and made a choice of dwelling, can he re-register under this program?
The applicant can exercise his right to improve housing conditions in the social mortgage system in accordance with the Law of the Republic of Tatarstan dated December 27, 2004 N 69-ZRT "On state support for the development of housing construction in the Republic of Tatarstan" and only once, with the exception of the following cases:
The applicant and (or) his family members, as of October 1, 2013, were repeatedly recognized by local authorities as needing to improve housing conditions in the social mortgage system;
The applicant is an employee of an organization participating in the financing of the social mortgage program.
Payments under the social mortgage program
What is the required monthly payment of provisional savings under the social mortgage program?
In accordance with clause 1.9 of the Resolution of the Cabinet of Ministers of the Republic of Tajikistan dated 02.08.2007 No. 366, the mandatory monthly payment of preliminary savings is at least 11% of the average market value of 1 sq. meters of total housing area, approved by the Ministry of Construction and Housing and Communal Services of the Russian Federation for the IV quarter of the year preceding the year in which the program "Provision of housing for citizens in the Republic of Tatarstan" for the next year is being implemented.
From 01/01/2020, the calculation base for determining the amount of the mandatory payment in 2020 will be changed.
According to the Order of the Ministry of Construction and Housing and Communal Services of the Russian Federation of 09/18/2019. No. 553 / pr "On the indicators of the average market value of one square meter of the total area of residential premises in the constituent entities of the Russian Federation for the IV quarter of 2019", the average market value of 1 square meter of the total area of IV quarter 2019 in the Republic of Tatarstan - 53,024 rubles.
Thus with 01.01.2020 the obligatory monthly payment is set at 5832.64 rubles.
Up-to-date information on the size of monthly payments is also posted annually in the "News" section.
The funds contributed by the participants of the social mortgage program in excess of the established minimum payment amount are distributed over the number of months covered by this amount. It is important to ensure that your monthly payments are not interrupted.
We also remind you that in accordance with clause 6 of the Resolution of the Cabinet of Ministers of August 31, 2012 No. 748 "On approval of the rules for making payments at birth, as well as in the adoption (adoption) of each child, a family exercising the right to housing in accordance with the law of the Republic of Tatarstan of 27 December 2004 No. 69-ZRT "On state support for the development of housing construction in the Republic of Tatarstan" and registered as needing state support in improving housing conditions "receipt of payment at birth, as well as upon adoption (adoption) of a child in a family does not release citizens registered in the social mortgage system who need to improve their living conditions, from the obligation to make monthly payments from the moment of the conclusion of the social mortgage agreement to the signing of documents certifying the right to move in and use the selected apartment.
Is it obligatory to continue making monthly payments of preliminary savings after receiving a preliminary participation protocol and choosing a future own apartment before putting the house into operation?
According to clause 18 of the Resolution of the Cabinet of Ministers of the RT No. 190 dated April 15, 2005 "On approval of the Rules and the procedure for registering those in need of improving housing conditions in the social mortgage system in the Republic of Tatarstan" the right to be included in the Register of the State Housing Fund under the President of the Republic of Tatarstan remains with the Applicant before the family chooses a separate apartment with the obligatory fulfillment of the terms of the contract for the implementation of monthly payments.
How is the term of payment by installments for an apartment calculated?
The term of payment by installments for an apartment under the social mortgage program is calculated in accordance with Appendix No. 1 to the Procedure for determining the conditions and terms of payment by installments of citizens for the acquisition of housing on a social mortgage, approved by the Resolution of the Cabinet of Ministers of the Republic of Tatarstan No. 366 dated 02.08.07 “On further measures to implement the Law Of the Republic of Tatarstan dated December 27, 2004 N 69-ZRT "On state support for the development of housing construction in the Republic of Tatarstan" and improving the procedure for providing housing within the framework of republican state support. "
Is it possible to make a payment in an amount larger than that provided for by the payment schedule to the social mortgage agreement?
Participants in the social mortgage program have the right to make payments in amounts larger than the payment schedule sets. With the deposited funds, square meters of the future own apartment are redeemed at the price of the month in which the payment is made. The recalculation takes place automatically.
Why is it impossible to create an informer on the e-government website, writes the obligations under the contract are fulfilled.
Electronic government accepts payments only under social mortgage agreements, if you have a loan agreement, the informer is not provided in this case.
Due to financial difficulties, is it possible for a family to switch from the terms of the purchase of the apartment to the terms of rent?
According to clause 6 of the Resolution of the Cabinet of Ministers of the Republic of Tatarstan No. 366 dated 02.08.2007 "On further measures to implement the Law of the Republic of Tatarstan dated December 27, 2004 No. 69-ZRT" On state support for the development of housing construction in the Republic of Tatarstan ", EXCLUSIVELY in case of loss the breadwinner and the impossibility for this reason to buy out the dwelling in installments due to the fact that the total average monthly income of the family minus the subsistence minimum for all family members is less than the current monthly payment under the social mortgage agreement, the dwelling can be transferred to family members by agreement of the parties on the terms of lease with the preservation of their right of further redemption into ownership.
Citizens' applications received by the Fund are considered if there are documents confirming financial difficulties and the loss of a breadwinner.
We want to fully pay off under the social mortgage agreement. What are our actions?
All participants of the social mortgage program over 14 years old must contact the interregional representative office of the Fund in cities and districts of the Republic of Tatarstan with the originals of the social mortgage agreement and a passport to sign the reconciliation act, pay the remaining amount and, in the absence of debt, obtain the necessary documents provided for by law for state registration of an apartment in ownership ...
We want to use the funds of the maternity (family) capital to pay off the debt under the social mortgage agreement. How can I do that?
To switch to a targeted cash loan agreement and deposit maternity capital funds, you must have the originals and copies of the following documents with you: social mortgage agreement, final protocol, payment schedule, passport, birth certificate of children under 14 years old, bank account agreement of the category "GZF Loans" , a certificate for maternity (family) capital, an extract (certificate) on the presence of the balance of maternity (family) capital, certified by a blue seal and signed by an authorized employee of the pension fund / MFC. In this case, the validity period of the statement (certificate) is 14 calendar days.
The balance of maternity (family) capital accepted by the Fund as a partial fulfillment of obligations under the loan agreement is the difference in the amount indicated in the state certificate for MSC (the amount can be increased by the indexation amount) minus the amount of lump sum payments.
According to clause 3.1.5 of the target money loan agreement, within 120 calendar days from the date the loan amount is credited, the citizen is obliged to send the funds of the MSC for partial fulfillment of obligations under the loan agreement.
After concluding an agreement on a targeted monetary loan, it is necessary to obtain a certificate of the payment of the share and register the ownership of an apartment with encumbrances in favor of the Fund from the Rosreestr Office in the Republic of Tatarstan, providing the Fund with an extract from the Unified State Register of Real Estate on the presence of encumbrances. It is also necessary to obtain a certificate of debt under the loan agreement from the interregional representative office. On the basis of these documents, the Department of the Pension Fund of the Russian Federation in the Republic of Tatarstan transfers the maternity (family) capital to repay the debt under the target cash loan agreement.
Please note that a loan agreement is not concluded if there is an overdue debt under a social mortgage agreement.
How to pay off the debt after the Fund has filed a claim for debt collection?
In the event that citizens pay the existing debt after the Fund has filed a statement of claim in court, the parties to the agreement must write to the Fund an application with a request to set off the received funds towards reimbursement of debt, interest and state fees, indicating the corresponding amounts.
On the personal page there is a message that an arrest has been imposed on the account of "GZhF Loans" opened in PJSC "Ak Bars Bank". What to do?
There are 3 statuses of the “GZHF Loans” account: open, closed and seized. Only a citizen who has received a notification from the MCI of the Fund can open and close an account.
The seizure of the account means that the bailiffs have seized the account of GZhF Loans. In this case, citizens need to contact the bailiffs at the place of registration. After the arrest by the bailiffs, the supporting document must be submitted to PJSC "Ak Bars Bank" to change the status of the account.
What caused the change in the cost of 1 sq.m. by the time you receive the final protocol of participation in the selection and transfer of your future own apartment?
The preliminary protocol of participation and choice of a future own apartment sets the approximate cost of 1 sq. M. sale of housing. The final cost of implementation is determined after the residential building has been put into operation and the permit for commissioning the facility has been received, taking into account the investment cost of building a residential building by the time all construction work is completed and the date of the official settlement of this residential building.
In accordance with clause 2 of the Procedure for determining the conditions and terms of payment by installments of citizens for the purchase of housing on a social mortgage, approved by the Resolution of the Cabinet of Ministers of the Republic of Tatarstan dated 02.08.2007 No. 366 "On further measures to implement the Law of the Republic of Tatarstan dated 27 December 2004 No. 69- ZRT "On state support for the development of housing construction in the Republic of Tatarstan" and improving the procedure for providing housing within the framework of state support "The initial cost of 1 sq. M. meters of residential premises to be purchased - the cost determined taking into account the costs incurred in financing the construction, capitalization of the land plot and the state of the real estate market.
Selection of premises under the social mortgage program, confirmation of the right to state support in improving housing conditions under the social mortgage program (re-registration)
Is it possible to participate in the selection of residential premises under the social mortgage program in Kazan, if the applicant was registered in another region of the republic?
Public sector employees have the right to choose residential premises only in the area of their registration who need to improve their living conditions under the social mortgage program.
Employees of enterprises making payments for the development of housing construction, in the presence of an unused quota and upon the provision of their managers when forming the Fund's investment program for the current year, can choose residential premises in any city or region of the Republic of Tatarstan where the enterprise has a quota.
In what cases does the standard of housing provision change when the composition of the family changes?
The standard for the total area of residential premises provided with state support is established by the Resolution of the Cabinet of Ministers of the Republic of Tatarstan dated 02.08.2007 No. 366 "On further measures to implement the Law of the Republic of Tatarstan dated 27 December 2004 No. 69-ZRT" On state support for the development of housing construction in the Republic of Tatarstan ". At the same time, the change in the standard for the provision of housing with a change in the size of the family occurs before summing up the results of the choice of the future own apartment.
Why participants in a social mortgage, having an initial payment, cannot participate in the current competition for points, but must wait a three-year period?
In accordance with clause 5 of Resolution No. 366 dated 02.08.2007 "On further measures to implement the Law of the Republic of Tatarstan dated December 27, 2004 No. 69-ZRT" On state support for the development of housing construction in the Republic of Tatarstan "and improving the procedure for providing housing in within the framework of republican state support "in case of insufficient land plots provided with engineering networks for the construction of residential buildings in the municipalities of the Republic of Tatarstan, the ratio of the total number of apartments according to the budget quota for the selection of apartments by competition and in order of priority is redistributed in favor of citizens who have or the three-year calendar deadline has expired.
When are the results of the competitions announced?
The results of the competitions are summed up by the Fund exclusively for residential properties with a high degree of readiness (ready for commissioning) based on the accumulated points, which are reflected on the Fund's website in the "Ratings" section.
Why did we lose the priority right to choose in the order of priority and we were transferred to the 5.8 quota "Targeted budgetary ones who have lost the priority right to choose an apartment in the order of priority"?
According to the Resolution of the Cabinet of Ministers of the Republic of Tatarstan dated 02.08.2007 No. 366 "On further measures to implement the Law of the Republic of Tatarstan dated 27 December 2004 No. 69-ZRT" On state support for the development of housing construction in the Republic of Tatarstan "citizens who have or the three-year waiting period has expired, those who did not participate in the choice of apartments and (or) did not carry out the choice of residential premises in the presence of vacant apartments, lose the right of priority choice in the order of priority. In the future, the choice of apartments is carried out in the order of participation in the competition within the budget quota on a general basis.
What is the time frame for public sector employees who have entered into a social mortgage agreement must re-register?
According to the Resolution of the Cabinet of Ministers of the Republic of Tatarstan dated 02.08.2007 No. 366 "On further measures to implement the Law of the Republic of Tatarstan dated 27 December 2004 No. 69-ZRT" On state support for the development of housing construction in the Republic of Tatarstan "citizens registered as needy in improving housing conditions under the social mortgage program in local governments, they are obliged in the calendar year in which the choice of dwelling is made, and before signing the protocol for choosing an apartment, re-register at the place of registration in order to confirm the right to state support in improving housing conditions for social mortgage program.
Re-registration is carried out in the same manner as registration of those in need of better housing conditions under the social mortgage program.
Personal Area
How to enter your personal account on the site?
In order to enter your personal account, you will need your account number and the password specified in your agreement. At the entrance to your personal account in the field "number of the registration file" is entered the number of your registration file (with hyphens), the password is entered in capital Latin letters.
For some programs, a preliminary receipt of a username and password is provided. To do this on the site site it is necessary to go to the section "getting a username and password".
How to submit an electronic application for a competition for drawing apartments?
To add an apartment to an electronic application, you need to follow several steps:
- Go to the applicant's personal page using the data specified in your social mortgage agreement.
- Follow the link "add apartments" in the left context menu
- Select the order you need in the "order" field, click "update".
- Select the house you are interested in in the "object" field, then click "update". A list of apartments will appear.
- In the opened window, add the apartments you are interested in to the application by clicking on the link "to the application"
- After you have added all the necessary apartments to the application, you need to go to the “applications” menu and prioritize all the apartments present in the applications.
There cannot be two identical priorities in one application; moreover, the priority cannot be equal to zero.
Apartments with incorrect priorities are marked in red in the application. It is impossible to win an apartment with an incorrect priority. - After all the priorities have been set, you must click on the "save changes" button. To avoid errors related to the quality of communication channels, it is recommended to keep the prioritized in batches of 10-20 pieces.
- After all completed operations, the application will be accepted for the competition.
Obtaining certificates, including a certificate of payment of a share, registration of an apartment in ownership
Is it possible to issue a certificate of payment of a share to one of the parties to the social mortgage agreement?
A certificate of full payment of the share is issued for all family members included in the social mortgage agreement.
What is the procedure for registration of an apartment received under the social mortgage program in ownership after the repayment of its value?
1) It is necessary to issue a technical passport and a plan for a dwelling with the BTI authorities, as well as obtain a cadastral passport from the cadastral chamber.
2) Contact the interregional representation of the Fund in the field to obtain a final reconciliation act and a certificate of full payment of the share.
3) After receiving a certificate of full payment of the share, contact the territorial department of the Rosreestr Office in the Republic of Tatarstan to register the ownership of the residential premises.
What to do if, when submitting documents for registration of ownership, it turns out that the apartment is not registered in the cadastre?
In case of refusal (suspension) of the Office of Rosreestr in the Republic of Tatarstan in accepting documents for registration of ownership of an apartment located in a building that was put into operation before 01.01.2017, due to the absence of an apartment on the cadastral register, we inform you that, in accordance with Art. 14 of the Federal Law of 13.07.2015. No. 218-FZ "On state registration of real estate" cadastral registration is carried out simultaneously with the registration of ownership of the property. To register ownership with simultaneous cadastral registration of an apartment, you need to order the production of a technical plan for an apartment and submit it as part of a package of documents to the registering authority.
How to get certified copies of lost documents?
The issuance of certified copies of documents is carried out on the basis of a written request from the Applicant or a person authorized by the Applicant on the basis of a power of attorney duly drawn up in writing in accordance with applicable law. The application can be submitted in person or sent by mail to the name of the executive director of the State Housing Fund under the President of the Republic of Tatarstan, as well as through the interregional representative offices of the Fund.
The application must be accompanied by a copy of the receipt of payment for services in the amount of 100 rubles for each type of document according to the details, indicating in the column the purpose of payment "for the re-issuance of documents."
Requisites:
INN 1655065113 KPP 165501001
Recipient: Ministry of Finance of the Republic of Tatarstan (NO "State Housing Fund under the President of the Republic of Tatarstan") ЛВ007540001-ГЖФ
Account 40603810700023000014
In PJSC "Ak Bars" Bank Kazan
BIK 049205805
Correspondent account 30101810000000000805
Registration in an apartment received under the social mortgage program
The basis for registration at the place of residence of a citizen in an apartment received under the social mortgage program.
The basis for registration at the place of residence of a citizen in an apartment received under the social mortgage program is the protocol of participation, selection and transfer of the citizen's future own apartment to the social mortgage agreement, which provides the citizen with the right to move in, register (registration) and use the selected apartment on the terms of the concluded agreement social mortgage and current legislation.
Is it possible to register a relative who is not a party to the contract in an apartment received under the social mortgage program?
Only parties to the agreement and family members have the right to register in an apartment received under a social mortgage.
The right to register other citizens applies only to parents, children and officially registered spouses with the written consent of the Foundation. Registration is issued with a limited period in the absence of payment arrears, according to the schedule.
Targeted cash loan agreement
Is early repayment possible under a target cash loan agreement?
Under the terms of the target money loan agreement, early full or partial fulfillment of obligations by the borrower is permissible. Information on the balance of the current debt under the loan agreement is posted on the applicant's personal page.
In order to determine the balance of debt for a specific date, the applicant must personally contact the interregional office of the Fund. According to the Federal Law of 27.07.2006, No. 152-FZ "On Personal Data", the above information is not provided by phone.
If you deposit funds in a larger amount than indicated in the repayment schedule to the target cash loan agreement, will the repayment schedule be revised?
The recalculation of the schedule occurs automatically on the day the funds are received. To receive a new payment schedule under the target cash loan agreement, the participant of the agreement must contact the interregional office of the Fund or recalculate his schedule on his personal page.
How is interest calculated on a loan agreement?
Interest is charged on the amount to be repaid, taking into account the terms of the loan.
We transferred funds from maternity (family) capital to the target money loan agreement, why were interest withheld from these funds?
Interest is calculated and withheld on the amount of the actual payment, taking into account the actual days of using the money loan (according to the terms of the loan agreement).
According to subparagraph 6 of clause 1 of article 10 of the Federal Law of December 29, 2006. № 256-ФЗ "On additional measures of state support for families with children" funds (part of the funds) of maternal (family) capital can be used to pay off the principal debt and pay interest on loans or borrowings for the purchase (construction) of residential premises, including mortgage loans, provided to citizens under a loan agreement (loan agreement) concluded with the organization.
Thus, all incoming payments (including maternity (family) capital) are used to pay off the principal amount of the debt under the loan agreement and interest on it.
How to get a reconciliation statement under a targeted cash loan agreement?
The issuance of the reconciliation act is carried out by the interregional representative office of the Fund in the field on the basis of a written application from the applicant or a person authorized by the applicant on the basis of a duly executed power of attorney.
Compensation at the birth of a child
Who is entitled to compensation for the birth of a child in the amount of 200 thousand rubles and what is the procedure for receiving it?
In accordance with the Resolution of the Cabinet of Ministers of the Republic of Tatarstan dated 02.08.2007, No. 366 "On further measures to implement the Law of the Republic of Tatarstan dated 27.12.2004, No. 69-ZRT" On state support for the development of housing construction in the Republic of Tatarstan " a child is born to a family, it has the right to state support aimed at paying the cost of a dwelling in the amount of 200 thousand rubles, but not more than the cost of the unpaid part of the dwelling or the remainder of the unpaid amount of the principal debt and interest under the target cash loan agreement, concluded with a specialized organization (Non-profit organization "State Housing Fund under the President of the Republic of Tatarstan"), at the time of the birth of the child.
This right is recognized as deferred and is exercised after the family is entered into the Register of a specialized organization. When the family exercises this right, the child acquires the right to common shared ownership of the acquired dwelling after full payment of its cost or full refund of the principal and interest under a targeted monetary loan agreement concluded with a specialized organization.
In order to obtain compensation at birth, adoption / adoption of a child, a citizen-Applicant applies to the local government at the place of registration or the public housing commission at the place of work (if any) with an application for the inclusion of a newly born child in the registration file.
The Public Housing Commission with a cover letter addressed to the executive director of the State Housing Fund under the President of the Republic of Tatarstan provides documents for amending the registration file to include a child.
After the notification on the need to conclude an additional agreement to the social mortgage / targeted cash loan agreement is reflected on the personal page, the Applicant and his family members apply to the interregional office of the Fund.
Providing housing for veterans of the Great Patriotic War
What is the inheritance procedure for a partially purchased apartment for a World War II veteran who improved his living conditions under the social mortgage program?
1) it is necessary to contact a notary to issue a certificate of the right to inheritance;
2) apply to the local government with a certificate of the right to inheritance to include the heirs in the registration file and register of the Fund;
3) after activation in the register, the heirs must, with an identity document and TIN, contact the interregional representative office of the Fund to receive a protocol of participation, selection and transfer of the citizen's future own apartment to the name of the heirs.
Changes for citizens who are in the accounting file. Exclusion from the social mortgage agreement
What if there have been any changes in the citizens who are in the registration file (personal data, family composition, registration address, etc.) and where to go in this case?
According to the Resolution of the Cabinet of Ministers of the Republic of Tatarstan dated April 15, 2005 No. 190 "On approval of the Rules and procedure for registering those in need of improving housing conditions in the social mortgage system in the Republic of Tatarstan" in the event of changes specified when registering information, citizens are obliged within a month, inform the public housing commission about them in writing at the place of registration.
Is it possible to exclude one of the parties to the social mortgage agreement after choosing an apartment?
An exclusion from the social mortgage agreement is carried out only in the event of the death of a party to the agreement, provided there is a document of certificate of the right to inheritance and the inclusion of all heirs in the accounting file.
Is it possible, upon dissolution of a marriage, to amend the accounting file and social mortgage agreement and exclude the former spouse from the agreement?
1. The exclusion of the former spouse (s) after the choice of the apartment from the registration file and the social mortgage agreement and / or the agreement of the targeted cash loan is impossible.
Dissolution of marriage, failure to make payments and not living in the provided living quarters of the former spouse (s) are not grounds for changing the social mortgage agreement and / or the targeted monetary loan agreement by excluding it from the list of participants, since they are joint and several debtors to the Fund for monetary obligations ...
2. The issue of excluding the former spouse (s) before choosing an apartment from the registration file and the social mortgage agreement is considered by the housing commission at the place of registration.
Rental housing
How can I get rental housing?
After registration with the Executive Committee or on the website http://arenda.gilfondrt.ru/ you must go through the following procedures:
Register on the website kooperativrt.ru (the tab for obtaining a username and password), log in to your personal page, accept the terms of the offer agreement, according to which the amount of the deposit and the rental fee should be paid, and the choice of living space. After summing up the results and receiving a message of consent, conclude a lease with a representative in the Interregional Representative Office of the Fund, with the receipt of keys from the dwelling and the conclusion of contracts for the provision of housing and communal services with authorized organizations.
The approved forms of documents for the Rental Housing Program are posted on the Foundation's website at the link website / private / arendadocs.php.
How to terminate the concluded rental agreement if there is no need for housing?
Citizens who have made a decision to refuse to participate in the program and terminate the lease of residential premises, submit an application in the prescribed form to the interregional representation in the district.
In the event that the selected residential space was transferred and a lease agreement was concluded, the following documents are attached to the application:
- agreement on termination of the lease of residential premises;
- the act of delivery and acceptance of the dwelling;
- act of delivery and acceptance of movable property located in a residential building;
- an act of reconciliation for the funds received between the party to the agreement and the Fund;
- a certificate of the absence of arrears on housing and communal payments from network and operating organizations as of the date of application (it is mandatory in case of a refund to a citizen);
- an extract from the house register to confirm the absence of registered persons.
Management of a home built under the social mortgage program
Is it possible to change the management company or create a homeowners association in houses built under the social mortgage program?
According to clause 4. Article 44 of the RF LC, the solution of the issue of choosing a method for managing an apartment building is within the competence of the general meeting of owners of the premises of an apartment building.
To make a decision on this issue, the owners of the premises of the above-mentioned residential building need to initiate a meeting of homeowners, including in the agenda the issue of choosing a method for managing an apartment building.
Citizens who have received a certificate of full payment of a share under a social mortgage agreement can participate in a general meeting of owners of the premises of an apartment building and vote on agenda items.
The Fund takes part in the general meeting of homeowners for unredeemed apartments.
According to Part 4 of Art. 4 of the Housing Code of the Russian Federation, the owner, another person specified in this Code, on whose initiative a general meeting of owners of premises in an apartment building is convened, are obliged to inform the owners of premises in this building about holding such a meeting no later than ten days before the date of its holding.
The minutes and the decision of the extraordinary general meeting of the owners of the premises of the house must be sent to the Fund no later than 5 (five) days from the date of this meeting.
Additionally, we inform you that in order to comply with the legality of holding general meetings of owners of premises, we recommend that you be guided by Art. 36-48 of the Housing Code of the Russian Federation.
Redevelopment of residential premises received under the social mortgage program
Do citizens who have received housing under the social mortgage program have the right to redevelop their living quarters?
The implementation of the reconstruction and redevelopment of the residential premises received under the social mortgage program is possible only after the payment of the cost of the apartment and registration of it in ownership, in the case of payment for the apartment at the expense of the funds of the targeted monetary loan - after the removal of the encumbrance.
Today the Prime Minister of the Republic of Tatarstan Alexey Pesoshin introduced the new head of the non-profit organization "State Housing Fund under the President of the Republic of Tatarstan" (GZHF RT). It was Marat Zaripov.
Recall that today the Decree of the President of the Republic of Tatarstan (UP-723 of October 12, 2018) was signed on the appointment of Marat Rivgatovich Zaripov to the position of executive director of the non-profit organization "State Housing Fund under the President of the Republic of Tatarstan".
In addition, today the Decree of the President of the Republic of Tatarstan (UP-721 of October 12, 2018) was signed on the release of Abdullin Talgat Midkhatovich from the post of executive director of the non-profit organization State Housing Fund under the President of the Republic of Tatarstan.
Alexey Pesoshin thanked Talgat Abdullin for his work as executive director of GZHF RT.
In turn, Talgat Abdullin noted that over the course of many years, the close-knit team of the GZF RT carried out painstaking work in terms of providing citizens with housing. He recalled that over the years, more than 160 thousand families received apartments. Talgat Abdullin noted that such serious and significant programs as the resettlement of citizens from dilapidated housing, provision of housing for citizens living in dilapidated houses, as well as a social mortgage program and others are being implemented in the republic.
Executive Director of the non-profit organization "State Housing Fund under the President of the Republic of Tatarstan" Marat Zaripov assured that the work would continue and wished everyone success.
For reference:
In 1994 he graduated from the Kazan Agricultural Academy with a degree in economics and management in the agro-industrial complex.
Labor activity:
1989-1994 - student of the Kazan Agricultural Academy, Kazan;
1994-1994 - economist of the lending department of the Joint-Stock Commercial Bank "Meta-Impex", Kazan;
1994-1995 - service in the ranks of the Armed Forces of the Russian Federation;
1995-1996 - economist of the lending department of the joint-stock commercial bank "Meta-Impex", Kazan;
1997-1999 - Leading Economist, Head of Sector, Head of Division of the Department for Trust Fund Management of the Ministry of Finance of the Republic of Tatarstan, Kazan;
1999-2000 - Deputy Director of the Treasury Department of the Ministry of Finance of the Republic of Tatarstan, Kazan;
2000-2001 - Acting Head of the Federal Treasury Department of the Ministry of Finance of the Russian Federation for the Republic of Tatarstan, Kazan;
2001-2004 - Head of the Federal Treasury Department of the Ministry of Finance of the Russian Federation for the Republic of Tatarstan, Kazan;
2005-2012 - Head of the Department of the Federal Treasury for the Republic of Tatarstan;
2012-2018 - Chairman of the State Committee of the Republic of Tatarstan on Tariffs;
Since October 12, 2018 - Executive Director of the non-profit organization "State Housing Fund under the President of the Republic of Tatarstan".
Academic degree, title: "Honored Economist of the Republic of Tatarstan", candidate of economic sciences.
He is married and has three children.
The Republic of Tatarstan, regardless of all-Russian trends in providing housing to privileged categories of citizens, has developed its own system of assistance to those in need. To achieve this goal, a special body has been created - the state housing fund under the President of the Republic of Tatarstan. All issues of obtaining mortgage housing within the framework of the regional program, operating until 2019, are resolved directly by him.
Where is the personal page?
The entity created its own portal of state and municipal services https://uslugi.tatarstan.ru/. To receive services, visitors to the portal create a personal account; for participants of the "Social Mortgage" program, it provides for the following actions:
- Registration;
- Appointment to the representative office of GZF for personal attendance;
- Making payments under a mortgage lending agreement.
When registering as a citizen in need of better housing conditions, the GZHF draws up an accounting file. Each case is assigned an account number.
On the state housing fund website https://mail.gilfondrt.ru/private/auth.php, you can create a personal page. First you need to fill out a form to receive a username and password. The applicant indicates the following information:
- Full Name
- date of birth;
- Passport number and series;
- Individual taxpayer number.
Having gained access, the citizen enters the account number and password and enters the personal page. It reflects all the data about the rating, participation in the competition, the status of the application, and so on.
How do I apply?
GZF invests money in the construction of houses, most of the apartments in which are intended to provide mortgage lending to citizens on preferential terms.
It is possible to issue a social mortgage if the borrower meets certain conditions and fulfills the necessary procedure.
The following persons are entitled to participate in the program under the President of the Republic of Tatarstan:
- Owning (not having) dwelling space of less than 18 sq.m. for one family member;
- Receiving income in excess of the subsistence level and allowing them to pay monthly payments;
- In whose family all able-bodied citizens work, dismissal is allowed no earlier than 10 years and only with the consent of the employer;
- Deliberately not worsening their situation in order to obtain the status of needy;
- Belonging to certain categories of the population: state employees, disabled people, employees of defense enterprises, employees of Tatenergo and Tatneft.
The registration procedure begins with registration:
- A citizen writes a statement to the representative office of the GFZh and brings a package of documents confirming compliance with the conditions for the provision of a preferential mortgage. After submitting the application, he waits for a month and gets approval.
- He collects the necessary documentation and sends it with an application to the commission, where the question of the need for a preferential mortgage is finally decided.
- The Commission independently sends data and documents to the GZF.
- The state agency concludes an agreement with the applicant, on the basis of which payment for the future dwelling begins.
After the steps taken, the applicant has a choice. You can choose from two housing options.
| Type of security | Waiting for the turn to come | Participation in the competition |
| Content | Registration in the order of priority of application. The right to receive concessional lending will be realized when the turn comes. | There is no need to wait, you can participate in the competitive procedures held on the GZF website by submitting an application for the selected objects. |
| Option features |
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It is possible to get an apartment only in a city where there is registration. An exception was made for employees of enterprises financing the program, for example, when registering in Kazan, they have the right to purchase housing in Bugulma, Naberezhnye Chelny and other cities.
The government of the Republic of Tatarstan (RT) has developed a special program to provide citizens of this subject of the Russian Federation with housing. It is called "a personal page under the President of the Republic of Tatarstan." Its features will be discussed below.
Social mortgage in the Republic of Tatarstan
This constituent entity of the Russian Federation also participates in the state program of the Russian Federation for social lending (,). The Government of the Republic of Tatarstan has developed and adopted its own project, which is significantly different from the all-Russian program.
Financial resources for the implementation of this project come from the federal budget, and are also allocated from the republic's own funds.
Its implementation is monitored personally by the President and his staff.
Social mortgage under the President of Tatarstan has the following differences from similar programs in other regions:
- the annual mortgage interest is set at 7%;
- applicants must live and work in Tatarstan for a certain period of time;
- square meters are provided only in the state housing stock (primary real estate market).
Conditions of participation in the program
The social mortgage of Tatarstan provides for two options for participation, as well as the condition for providing a loan from the regional budget.
Affordable housing can be obtained by young and socially unprotected families who, in accordance with the established procedure, are recognized as such that they need to improve their living conditions and do not have their own real estate. The distribution of housing in this case is based on the queue.
Employees of various budgetary institutions and law enforcement agencies who have worked in the republic for a certain time and do not have their own residential square meters can count on receiving an apartment. The distribution of housing in this situation takes place on the basis of a competition.
Features of mortgage payments
Social mortgage under the President of the Republic of Tatarstan has some differences from other projects, since citizens are offered a special payment mechanism.
First of all, it is necessary to draw attention to the fact that all issues of the cost and repayment of credit obligations are in charge of a specially created legal entity, NGO "GZhF under the President of the Republic of Tatarstan".
According to the explanations given by the officials of this organization, the initial payment and subsequent payments are made depending on the price per square meter, as well as the period for which the mortgage is issued.
The cost of residential square meters on the territory of the republic may vary depending on the locality where a low-income family lives or where state employees work. Moreover, the approach to each client of this program is individual.
The initial payment for housing can be paid with the help of a state subsidy (for families with one child - 30% of the cost of an apartment, for those raising two or more children - 35-40%) or maternity capital (the so-called assistance at the birth of children).
NO "GZhF under the President of the Republic of Tatarstan" provides grace periods for payment of interest (no more than 6 months). They can be used throughout the entire loan term.
It should be remembered that a mortgage loan in the Republic of Tajikistan is provided for a period not exceeding 28.5 years.
Help with the birth of children
The social mortgage developed by the GZF provides for the use of social assistance at the birth of children to pay the initial payment for an apartment, interest, as well as other mandatory payments.
In 2020, when children are born in young families, payments will be made in the republic, provided for by the all-Russian program to support young mothers and fathers (maternity capital), as well as by a regional project.
Provides for the following presidential and municipal payments:
- 30% monetary compensation for payment of housing and communal services (for example, provided, as well as low-income);
- a one-time material payment at the birth of a baby (regardless of the number of children) in the amount of 20 thousand rubles;
- material compensation for medicines for children under 6 years old (provided for large families);
All of these payments can be used to pay off a concessional loan.
Large families mean families that have more than two children, including adopted children, and have formalized their status with the social security authorities.
Low-income citizens are considered citizens living together, whose total aggregate income is equal to the subsistence minimum or exceeds it by 30-50% (depending on the number of family members).
Work experience not less than 10 years
Preferential conditions for social mortgage in Tatarstan provide for employees of various budgetary organizations, low-income, young families, a mandatory requirement, which is that a person must work in the republic for 10 years (this was mentioned above).
But the majority of citizens who decide to use the program are interested in the question of how this period is calculated.
The calculation mechanism is as follows. A person provides his work book or other document confirming his experience in enterprises, in budgetary organizations of Tatarstan. If the applicant left the republic for some time, then returned, the length of service will be considered only based on his work in the republic.
For example, the total length of service of a citizen is 20 years, of which 10 years in enterprises, in budgetary organizations of Tatarstan. It falls under the social mortgage program.
You need to know that if a person working at an enterprise located in the Republic of Tatarstan was sent on a long-term business trip to another region, he is credited with experience in the Republic of Tatarstan.
Who can get a home loan in the Republic of Tajikistan
According to the Resolution of the Government of the Republic of Tajikistan, the following citizens receive the right to social mortgage lending:
- young families where parents are under 35 years old, they have been living and working on the territory of the republic for more than 10 years;
- low-income families, whose income does not exceed 30-50% of the required subsistence minimum for each member;
- parents with many children, as well as those who have dependent children with disabilities; guardians and adoptees;
- employees of various budgetary organizations who have worked in the republic for more than 10 years.
They all need to improve their living conditions.
Housing fund under the President of the Republic of Tatarstan
To implement the project, a state housing fund was created under the President.
It is formed with the help of construction companies that are engaged in the construction of housing in various localities of the region. For this, construction companies are required to create part of economy-class residential premises in each apartment building and transfer them to the state housing fund.
The state housing fund for social mortgages under the President of the Republic of Tatarstan is managed by a special institution, NGO "GZHF under the President of the Republic of Tatarstan."
Goals and objectives of the organization
As you know, the cost of any housing in our country is significant, and often its purchase is not available to the general population.
Based on these economic realities, as well as for the implementation of the mortgage program in Tatarstan, a non-governmental organization "GZhF under the President of the Republic of Tatarstan" was created.
The purpose of its existence is to register all citizens in need of housing on the territory of the republic, check the submitted documents, queue up and issue residential real estate.
The objectives of the BUT are as follows:
- accumulation of federal, regional budgetary funds allocated for social housing programs;
- accumulation of funds that are paid by citizens in need of housing, repaying mortgage loans;
- redemption of residential premises from construction organizations and their transfer to citizens.
To implement this program, each registered participant has his own personal page on the President's website.
Sources of financing
The principle of operation of the NGO "GZhF under the President of the Republic of Tajikistan" is that this organization accumulates not only budget funds, but also contributions that are paid by those in need of better housing conditions and public sector employees.
