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 a notice of inclusion in the Register of a specialized organization, are required to conclude a social mortgage agreement with the Non-Profit Organization "State Housing Fund under the President of the Republic of Tatarstan" and make monthly payments of preliminary savings in the amount of at least 11 percent of the average market value of 1 sq. m. meters of the total area of ​​housing approved by the Federal Agency for Construction and Housing and Communal Services 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 authorities 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 has made a choice of housing, 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-ЗРТ "On state support for the development of housing construction in the Republic of Tatarstan" and only once, except for the following cases:

The applicant and (or) members of his family as of October 1, 2013 were repeatedly recognized by local authorities as in need of better 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 amount of the mandatory monthly payment of preliminary savings under the social mortgage program?

In accordance with paragraph 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. m. meters of the total area of ​​housing 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" is being implemented for the next year. According to the Order of the Ministry of Construction, Housing and Communal Services of the Russian Federation of September 12, 2018 No. No. 572/pr "On indicators of the average market value of one square meter of the total area of ​​housing in the constituent entities of the Russian Federation for the IV quarter of 2018", the average market value of 1 square meter of the total area of ​​housing for the IV quarter of 2018. in the Republic of Tatarstan - 43,722 rubles.

Thus, for 2019, the mandatory monthly payment is set at 4,809.42 rubles.

Up-to-date information on the amount of monthly payments is also annually posted in the News section.

The funds contributed by the participants of the social mortgage program, exceeding the established minimum payment amount, are distributed over the number of months covered by this amount. It is important not to allow a break in making monthly payments.

We also remind you that in accordance with paragraph 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 for the adoption (adoption) of each child by a family exercising the right to housing in accordance with the law of the Republic of Tatarstan dated 27 December 2004 n 69-LRT “On state support for the development of housing construction in the Republic of Tatarstan” and registered as in need of state support in improving housing conditions, receiving payment at birth, as well as upon adoption (adoption) of a child in a family, does not exempt citizens registered in the social mortgage system for those in need of better housing conditions, from the obligation to make monthly payments from the moment the social mortgage agreement is concluded to the signing of documents certifying the right to move in and use the chosen apartment.

Is it obligatory to continue to make monthly payments of preliminary savings after receiving the preliminary protocol of participation and choosing a future own apartment before putting the house into operation?

According to paragraph 18 of the Decree of the Cabinet of Ministers of the Republic of Tatarstan No. 190 dated April 15, 2005 “On approval of the Rules and procedure for registering those in need of improved housing conditions in the social mortgage system in the Republic of Tatarstan”, the right to be in the Register of the State Housing Fund under the President of the Republic of Tatarstan remains with the Applicant until the family chooses a separate apartment, subject to the obligatory fulfillment of the terms of the contract for the implementation of monthly payments.

How is the installment payment term calculated?

The term for installment payments 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 for installment payments for citizens to purchase housing under a social mortgage, approved by the Decree of the Cabinet of Ministers of the Republic of Tajikistan No. Republic of Tatarstan dated December 27, 2004 N 69-ЗРТ "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 greater than that stipulated by the payment schedule for the social mortgage agreement?

Participants in the social mortgage program have the right to make payments in amounts greater than the established payment schedule. With the money contributed, 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 it is not possible to create an informer on the e-government website, it says the obligations under the contract have been fulfilled.

The 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 the family to switch from the terms of buying out an apartment to terms of employment?

According to paragraph 6 of the Decree of the Cabinet of Ministers of the Republic of Tatarstan No. 366 dated August 2, 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 redeem 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 may be transferred by agreement of the parties to family members on a rental basis with the preservation of their right to further redemption in the property.

Citizens' applications received by the Fund are considered in the presence of 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 apply to the interregional representative office of the Fund in the cities and regions of the Republic of Tatarstan with the original social mortgage agreement and passport to sign the reconciliation act, pay the remaining amount and, in the absence of debt, receive the necessary documents provided by law for the state registration of an apartment in ownership .

We want to use the funds of maternity (family) capital to pay off debt under a social mortgage agreement. How can I do that?

To switch to a targeted cash loan agreement and deposit maternity capital funds, you must have originals and copies of the following documents with you: social mortgage agreement, final protocol, payment schedule, passport, birth certificate for children under 14 years old, bank account agreement of the category "GZhF Loans" , a certificate for maternity (family) capital, an extract (certificate) on the availability of the balance of maternity (family) capital, certified with a blue seal and signed by an authorized employee of the pension fund / MFC. In this case, the validity period of the extract (certificate) is 14 calendar days.

The balance of the 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 lump-sum payments.

According to clause 3.1.5 of the target money loan agreement, within 120 calendar days from the date of crediting the loan amount, the citizen is obliged to send the funds of the MSC as part of the fulfillment of obligations under the loan agreement.

After the conclusion of the target cash loan agreement, it is necessary to obtain a certificate of payment of the share and formalize the ownership of the apartment with an encumbrance in favor of the Fund by submitting to the Fund an extract from the Unified State Register of Real Estate on the existence of an encumbrance. It is also necessary to obtain a certificate of debt under the loan agreement from the interregional representative office. Based on these documents, the Branch of the Pension Fund of the Russian Federation in the Republic of Tatarstan transfers maternity (family) capital to pay off debt under a targeted 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 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 with the court, then the parties to the agreement must write to the Fund an application with a request to set off the funds received to compensate for the debt, interest and state duty, indicating the appropriate amounts.

On the personal page there is a message that the GZhF Loans account opened with Ak Bars Bank PJSC has been seized. What to do?

There are 3 statuses of the GZHF Loans account: open, closed and arrest. Only a citizen who has received a notification in the MCI of the Fund can open and close an account.

The arrest 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 removal of the arrest by bailiffs, a supporting document must be submitted to Ak Bars Bank PJSC to change the status of the account.

What caused the change in the cost of selling 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 selection of a future own apartment sets the estimated cost of 1 sq.m. sale of housing. The final cost of the sale is determined after the commissioning of the residential building and obtaining permission to commission the facility, taking into account the investment cost of building a residential building by the time all construction work is completed and the date of official settlement of this residential building.

In accordance with paragraph 2 of the Procedure for determining the conditions and terms of installment payments of citizens for the purchase of housing on a social mortgage, approved by the Decree of the Cabinet of Ministers of the Republic of Tatarstan dated August 2, 2007 No. 366 “On further measures to implement the Law of the Republic of Tatarstan dated December 27, 2004 No. 69- LoRT "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 "initial cost of 1 sq. meters of purchased residential premises - the cost, determined taking into account the costs incurred in financing the construction, capitalization of the land 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 where they are registered as those in need of improved housing conditions under the social mortgage program.

Employees of enterprises making payments for the development of housing construction, if there is an unused quota and provided by their managers when forming the investment program of the Fund for the current year, can choose residential premises in any city or region of the Republic of Tajikistan where there is an enterprise quota.

In what cases does the standard for providing housing 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 Decree of the Cabinet of Ministers of the Republic of Tatarstan dated August 2, 2007 No. 366 “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”. At the same time, a change in the standard for providing housing with a change in the size of the family occurs before summarizing the choice of a future own apartment.

Why are social mortgage participants, having a down payment, unable to participate in the current competition on points, but must wait a three-year period?

In accordance with paragraph 5 of Decree No. 366 of August 2, 2007 “On further measures to implement the Law of the Republic of Tatarstan of December 27, 2004 N 69-ZRT “On state support for the development of housing construction in the Republic of Tatarstan” and improve the procedure for providing housing in within the framework of the republican state support" in case of insufficiency in the municipalities of the Republic of Tatarstan of land plots provided with engineering networks for the construction of residential buildings, 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 had or the three-year calendar waiting period has expired.

When are the competition results 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) on ​​the basis of 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 quota 5.8 “Targeted budgetary, who lost the priority right to choose an apartment in the order of priority”?

According to the Decree of the Cabinet of Ministers of the Republic of Tatarstan dated August 2, 2007 No. 366 “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”, citizens who have had or the three-year waiting period has expired, those who did not participate in the selection of apartments and (or) did not select 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.

How long does it take for public sector employees who have entered into a social mortgage agreement to re-register?

According to the Decree of the Cabinet of Ministers of the Republic of Tatarstan dated August 2, 2007 No. 366 “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”, citizens registered as needy in improving housing conditions under the social mortgage program in local governments, are required in the calendar year in which the choice of housing is carried out, and before signing the protocol for choosing an apartment, to undergo re-registration 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 contract. When entering your personal account, enter your account number (with hyphens) in the field "account number" and enter the password in capital Latin letters.

For some programs, a preliminary receipt of a login and password is provided. For this site website you need to go to the "getting a login and password" section.

How to fill out an electronic application for the competition for drawing apartments?

To add an apartment to the electronic application, you need to follow a few steps:

1. Go to the applicant's personal page using the data specified in your social mortgage agreement.
2. Follow the link "add apartments" in the left context menu
3. Select the order you need in the "order" field, click "update".
4. Select the house you are interested in in the "object" field, and then click "update". A list of apartments will appear.
5. In the opened window, add the apartments you are interested in to the application by clicking on the link "to the application"
6. After you have added all the necessary apartments to the application, you need to go to the "applications" menu and prioritize all the apartments that are present in the applications.
   There cannot be two identical priorities in one application, in addition, the priority cannot be equal to zero.
   Apartments with incorrect priorities are marked red in the application. An apartment with an incorrect priority cannot be won.
7. After all priorities are set, you must click on the "save changes" button. In order to avoid errors related to the quality of the communication channels, it is recommended to save the prioritized in batches of 10-20 pieces.
8. After all the operations performed, the application will be accepted for the competition.

Obtaining certificates, including certificates of payment of a share, registration of an apartment in ownership

Is it possible to issue a certificate of payment of a share for one of the participants in 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 registering an apartment received under the social mortgage program as a property after paying off its cost?

1) It is necessary to issue a technical passport and a plan for a dwelling in the BTI authorities, as well as obtain a cadastral passport at the cadastral chamber.

2) Apply to the inter-regional representative office of the Fund in the field to obtain the final reconciliation act and a certificate of full payment of the share.

3) After receiving a certificate of full payment of the share, apply to the territorial department of the Rosreestr Office for the Republic of Tatarstan to register the ownership of the dwelling.

What to do if, when submitting documents for registration of ownership, it turns out that the apartment is not put on the cadastral register?

In case of refusal (suspension) of the Department of Rosreestr for the Republic of Tatarstan in accepting documents for registering ownership of an apartment located in a house put into operation before 01/01/2017, due to the lack of an apartment on the cadastral register, we inform you that, in accordance with Art. 14 of the Federal Law of July 13, 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 the right of ownership with the simultaneous registration of an apartment for cadastral registration, you need to order the production of a technical plan of the apartment and submit it as part of a package of documents to the registering authority.

How to get certified copies of lost documents?

Issuance of certified copies of documents is carried out on the basis of a written request of the Applicant or a person authorized by the Applicant on the basis of a power of attorney duly executed in writing in accordance with applicable law. The application can be submitted in person or sent by mail to the Executive Director of the Non-Commercial Organization "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 the payment "for the reissuance of documents".

Requisites:
TIN 1655065113 KPP 165501001
Recipient: Ministry of Finance of the Republic of Tajikistan (NO "State Housing Fund under the President of the Republic of Tajikistan") LV007540001-GZHF
Account 40603810700023000014
In PJSC "Ak Bars" Bank Kazan
BIC 049205805
C/C 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 gives the citizen the right to move in, register (register) 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 agreement in an apartment received under the social mortgage program?

Only the parties to the contract 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 for a limited period in the absence of payment debts, according to the schedule.

Purpose loan agreement

Is early repayment possible under a targeted cash loan agreement?

The terms of the target money loan agreement allow early full or partial fulfillment of obligations by the borrower. Information on the balance of the current debt under the loan agreement is posted on the personal page of the applicant.

In order to determine the balance of the debt on a specific date, the applicant must personally contact the interregional representative office of the Fund. According to the Federal Law of July 27, 2006 No. 152-FZ “On Personal Data”, the above information is not provided by telephone.

When depositing funds in a larger amount than indicated in the repayment schedule for the target cash loan agreement, will the repayment schedule be revised?

Recalculation of the schedule occurs on the day of receipt of funds automatically. In order to receive a new payment schedule under a targeted cash loan agreement, a participant in the agreement must contact the interregional representative office of the Fund or recalculate his schedule on his personal page.

How is interest calculated on a loan?

Interest is charged on the repaid amount, taking into account the terms of the loan.

We transferred funds from maternity (family) capital to the target money loan agreement, why were interest deducted from these funds?

Interest is accrued and withheld on the amount of the actual payment, taking into account the actual days of using the cash loan (according to the terms of the loan agreement).

According to subparagraph 6, paragraph 1, article 10 of the Federal Law of December 29, 2006 256-FZ "On additional measures of state support for families with children" funds (part of the funds) of maternity (family) capital can be used to repay the principal debt and pay interest on loans or loans 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 repay the principal amount of the debt under the loan agreement and interest on it.

How to get a reconciliation act under a targeted cash loan agreement?

The reconciliation act is issued by the interregional representative office of the Fund on the ground on the basis of a written application by 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 Decree of the Cabinet of Ministers of the Republic of Tatarstan dated August 2, 2007 No. 366 “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” if after adoption on a family has a child, it acquires the right to state support directed to pay the cost of housing in the amount of 200 thousand rubles, but not more than the cost of the unpaid part of the housing or the balance of the unpaid principal and interest under a targeted 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.

The specified 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 of common shared ownership of the acquired residential premises after the full payment of its cost or the full return of the amount of principal and interest under a targeted cash loan agreement concluded with a specialized organization.

In order to receive compensation for the birth, adoption / adoption of a child, a citizen - the Applicant applies to the local authorities at the place of registration or the public housing commission at the place of work (if any) with an application for inclusion in the registration file of a newly born child.

The Public Housing Commission with a cover letter addressed to the executive director of the NGO "State Housing Fund under the President of the Republic of Tatarstan" provides documents for making changes to the record file for the inclusion of a child.

After reflecting on the personal page a notification about the need to conclude an additional agreement to the social mortgage / targeted cash loan agreement, the Applicant and members of his family apply to the interregional representative office of the Fund.

Provision of housing for veterans of the Great Patriotic War

What is the procedure for inheriting a partially redeemed apartment by a veteran of the Great Patriotic War who has improved housing conditions under the social mortgage program?

1) it is necessary to apply to a notary public to draw up a certificate of the right to inheritance;

2) with a certificate of the right to inheritance, apply to the local government to include the heirs in the accounting file and register of the Fund;

3) after activation in the register, the heirs need to apply with an identity document and TIN to the inter-regional representative office of the Fund to receive a protocol of participation, selection and transfer of the citizen’s future own apartment in the name of the heirs.

Changes for citizens who are in the accounting business. Exclusion from the social mortgage agreement

What to do 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 contact in this case?

According to the Decree 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 improved housing conditions in the social mortgage system in the Republic of Tatarstan”, in the event of changes indicated during registration of 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?

Exclusion from the social mortgage agreement is carried out only in the event of the death of the party to the agreement, if there is a document of the 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 make changes to the accounting file and the social mortgage agreement and exclude the former spouse from the agreement?

1. The exclusion of the former spouse (s) after choosing an apartment from the accounting file and the social mortgage agreement and / or the targeted cash loan agreement is not possible.

Divorce, failure to make payments and non-residence in the provided living quarters of the former spouse (s) is not a basis for changing the social mortgage agreement and / or the targeted cash loan agreement by excluding him from the list of participants, since they are joint and several debtors to the Fund for monetary obligations .

2. The issue of exclusion of the former spouse (s) before choosing an apartment from the accounting 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 need to go through the following procedures:

Register on the website kooperativrt.ru (tab for obtaining a login and password), log in to your personal page, accept the terms of the offer agreement, according to which you must pay the amount of the deposit and rent, select a dwelling. After summing up and receiving a message of consent, conclude a lease agreement with a representative in the Interregional Representative Office of the Fund, with the receipt of keys to the premises and the conclusion of contracts for the provision of housing and communal services with authorized organizations.

The approved forms of documents under the Rental Housing Program are posted on the Fund's website at the link site/private/arendadocs.php.

How to terminate the concluded contract of employment in the absence of the need for housing?

Citizens who have decided to refuse to participate in the program and terminate the rental contract for housing, submit an application in the prescribed form to the interregional representative office in the district.

In the event that the selected residential premises were transferred and a lease agreement was concluded, the following documents are attached to the application:
- an agreement to terminate the contract for the rental of residential premises;
- the act of delivery and acceptance of residential premises;
- an act of delivery and acceptance of movable property located in a residential area;
- an act of reconciliation of the received funds between the party to the agreement and the Fund;
- a certificate of the absence of debt on housing and communal payments from network and operating organizations as of the date of application (is mandatory in the event of a return of funds to a citizen);
- an extract from the house book to confirm the absence of registered persons.

Management of a house built under the social mortgage program

Is it possible to change the management company or create an HOA in houses built under the social mortgage program?

According to paragraph 4. Article 44 of the Housing Code of the Russian Federation, the decision on the choice of the method of managing an apartment building is within the competence of the general meeting of owners of the premises of an apartment building.

In order to make a decision on this issue, the owners of the premises of the above residential building must initiate a meeting of homeowners, including on the agenda the issue of choosing a way to manage the apartment building.

Citizens who have received a certificate of full payment of a share under a social mortgage agreement can take part in a general meeting of owners of premises in 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 house about such a meeting no later than ten days before the date of its holding.

The protocol and 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 the 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 follow Art. 36-48 of the Housing Code of the Russian Federation.

Re-planning 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 a dwelling received under the social mortgage program is possible only after paying the cost of the apartment and registering it as a property, in the case of paying for the apartment at the expense of a targeted cash loan - after the removal of the encumbrance.

Having your own "family nest" is the dream of every cell in society. But, unfortunately, for the majority, the acquisition of a house or apartment is an unbearable burden.

In recent years, citizens have resorted to lending services to purchase square meters. Getting a mortgage from a bank is not difficult. However, social mortgages operate in many regions of Russia. On it you can buy housing at more favorable conditions. And the support comes from the state.

Obtaining a social mortgage

Social mortgage is a procedure for improving the living conditions of citizens. It uses mortgage lending and financial assistance from the state. In our country, not everyone can enjoy this privilege. As a rule, these are newly created families and military personnel.

For a newly created family in Russia, there is a state program that provides for:

• support up to 35% of the average housing price in the region if the couple does not have children;
• up to 40% if there are children.

All money comes from the federal budget. The size of future housing is calculated based on the size of the family. In each subject, the amount of subsidies is different. It all depends on the cost of apartments in the region.

• Age of husband and wife up to 35 years;
• The family was recognized as needing to purchase housing or improve living conditions;
• The family must have savings that are needed to pay part of the amount. It must exceed the amount of the subsidy.

1. Citizens who have graduated from a military school or institute and received the rank of "officer" since January 2005.
2. Military personnel who entered into a contract or were called up for service from the reserve from the same moment as in the first case.
3. Military men with the rank of "ensign" and "midshipman", who have served under the contract for more than three years, also since January 2005.
4. The military in the rank of "sergeant" and "foreman", as well as soldiers and sailors who have already entered into a second service contract no earlier than January 2005.

Conditions for obtaining a social mortgage under the President of the Republic of Tatarstan

In this region of Russia, social mortgages are very popular. Many people who do not have sufficient funds, but really want to improve their living conditions. They have been on the waiting list for an apartment for years. And the social mortgage has helped to significantly reduce this list.

The population support system of the Republic of Tatarstan is aimed at providing benefits to employees of enterprises that can actively participate in financing social mortgages.

The transfer of housing under the program takes place according to the queue. A competition is held in the region, apartments are selected that can be transferred to the residents of the republic as part of a social mortgage.

Social mortgage in the Republic of Tatarstan is a mortgage that is provided on special (preferential) conditions.

Key features of a mortgage:

1. The need of a citizen to improve living conditions. The decree states that at least 18 square meters should come to one family member.
2. The maximum term of a social mortgage is a little over 28 years.
3. The available interest rate is only 7%.
4. An initial deposit is required. However, if the borrower has good reasons, it is possible to obtain permission not to make a down payment.
5. Paying off a mortgage isn't just about money. The program implies payment with goods of own production in a personal household or repaying a debt with one's own labor.
6. Part of the housing that has not yet been bought out can be rented out.
7. If a childless family took a social mortgage, and after a while they had a child, then the state allocates material assistance (200,000 thousand rubles) to pay for housing.

Who can get a mortgage?

• Public sector employees;
• Employees of enterprises involved in the financing of social. mortgages;
• People who need urgent support.

Almost every resident of the Republic of Tatarstan can get a mortgage. To do this, you need to write an application to the local administration. The letter must be considered within three days. If the answer is positive, then the citizen can participate in the competition for housing on a social mortgage.

1. A citizen must conclude a social mortgage agreement.
2. Participates in the competition for the issuance of housing.
3. On the website of the housing fund, you need to fill out an application, which will indicate a list of apartments.
4. It is necessary to accumulate a high rating. It is determined by the amount of a person's savings. These funds must be deposited in the housing fund account.
5. The winner of the competition will be the one whose application will meet all the requirements and the citizen will have the highest rating.

It is important to remember that those citizens who received square meters under the social program. mortgages under the President of the Republic of Tatarstan, can no longer qualify for a preferential procedure for the distribution of housing.

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Welcome! Today we have a social mortgage in Kazan . In the Republic of Tatarstan, a program for issuing social mortgages on preferential terms for certain categories of citizens has been adopted and has been successfully implemented since 2005. Such a program is a vivid example of the effective work of the state in providing housing for socially unprotected segments of the population. We will analyze in more detail who can count on receiving it and what features exist.

The Social Mortgage Program under the President of Tatarstan replaced the previously implemented program for the resettlement of citizens from dilapidated housing, which ended in 2004. It is being implemented especially actively in Kazan.

Social mortgage under the President of the Republic of Tajikistan has the main goal of providing assistance to citizens in obtaining housing. A feature of the program is that mortgages are provided not only to those who have been in line for housing for many years, but also to persons with acceptable living conditions.

The following categories of people can apply for a loan:

• workers employed in the fields of education, healthcare, law enforcement agencies (in budgetary organizations);
• people and families with living space that does not meet accepted standards for comfortable living (less than 18 sq. m. per person);
• disabled people and families with disabled children;
• employees of enterprises of the military-industrial complex;
• employees of commercial enterprises that have invested in housing construction to implement the social mortgage program (for example, Tatenergo, Tatneft).

In general, the essence of the social mortgage is to conclude an agreement between a potential borrower and the State Housing Fund of Tatarstan, according to which the former undertakes to make monthly contributions to the fund, thereby making simple savings for a future apartment.

The amount of the contribution is set by the fund in proportion to the income received by the client (usually no more than 40-50% of the monthly salary). Then, with these savings, it will be possible to pay part of the cost of the purchased housing, and the remaining part to receive in the form of a mortgage loan with a preferential interest rate.

The standard conditions for a social mortgage are as follows:

• down payment - 10 - 30% of the cost of housing;
• maturity – up to 30 years;
• interest rate - 7% per year (fixed).

The proposed lending conditions are clearly more profitable than those presented in the conventional mortgage market. A rate below 7% per annum is unlikely to be found.

Where do they give apartments

You can buy an apartment with the help of a social mortgage not in any house, but only in housing specially built for this purpose. Now modern and attractive residential complexes are being built. The largest is the LCD "Salavat Kupere", the construction of which is ongoing to this day.

All program participants stand in line for apartments under construction. As soon as the apartment building is completed, citizens will be given the opportunity to apply for a mortgage. At the same time, each participant is assigned a rating, which depends on the waiting period and the amount of payments made by them. The higher these indicators, the higher the rating.

The distribution of apartments takes place subject to the following steps:

• information on the availability of free objects is posted on the official website of the housing stock;
• the participant submits a purchase order;
• the priority right is given to the person whose rating will be higher than that of the others.

In any case, all information on potential housing must be requested from the State Housing Fund of the Republic of Tajikistan.

The documents

Participants of the social mortgage program in Kazan, who are entitled to receive housing on preferential terms, will have to provide the following set of documents:

1. Documents proving the identity of each family member.
2. TIN certificate.
3. SNILS.
4. Military ID for men liable for military service.
5. Copies of children's birth certificates (if available).
6. Certificate of marriage/dissolution of marriage.
7. A copy of a diploma or other educational document.
8. Documents confirming income and employment.
9. Application form.
10. Documents confirming certain conditions of residence (certificate of ownership, extract from the house book, technical passport of the BTI, an act of recognizing housing as emergency, etc.).

This set is standard, but in addition the applicant may be asked to provide some additional documents.

How and where to apply

The initial body where a person who decides to apply for a social mortgage should apply is the local administration body. It is in it that you can get complete information about the conditions for issuing a loan, obtaining an apartment and make preliminary calculations. After receiving preliminary clarifications and consultation on what documents need to be collected.

After that, the client submits an application to the State Housing Fund, which is considered by the City Commission on Public Housing. Its decision will determine whether a particular person will be able to participate in the concessional lending program.

Nuances

Social mortgage in Kazan has some nuances. Among them:

1. The need to pay for the rent of that part of the property for which there was not enough accumulated savings.

This refers to the situation when, for example, a family was able to accumulate 40% of the cost of an apartment, then in addition to monthly payments on a mortgage loan, it will have to pay rent for the remaining 60% of the price. Usually this fee is relatively small.

1. Prohibition on dismissal from the employer for 10 years.

Much has been said and written about social mortgages. Probably, every citizen of Tatarstan knows that this is a way of providing housing in installments at seven percent per annum with a payment period of up to 28 and a half years. Recall that mortgage apartments are distributed in this way: 45 percent - to state employees, the same amount - to employees of industrial enterprises involved in financing the social mortgage lending program, the remaining ten percent - to the most vulnerable categories of citizens and especially valuable personnel (at the discretion of local authorities).

However, the more often they talk and write about social mortgage, the more questions it raises among the population. What we were convinced during the "direct communication", which took place in the editorial offices of the newspapers "Republic of Tatarstan" and "Vatanym Tatarstan". Talgat Abdullin, executive director of the State Housing Fund (GZHF) under the President of the Republic of Tatarstan, answered phone calls from readers. So many questions have been received that we are forced to publish the answers to only a part of them.

Nikolay Galkin, the chairman of the trade union committee of ElAZ (Elabuga), calls on behalf of the enterprise staff:

- Employees of ElAZ are interested in what is the minimum and maximum amount of income per family member registered for a social mortgage? And is it necessary for a person to have real or movable property behind him to participate in the program?

“The minimum and maximum is determined by the amount that needs to be paid for an apartment, depending on its cost and the installment period,” Talgat Midkhatovich answers. - You should make the right choice, and not try to choose more luxurious and larger housing if you do not have sufficient funds to pay for it. In my opinion, with an average per capita income in the family of four and a half thousand rubles a month, it is already possible to take an apartment in installments. There is no upper ceiling. I do not think that a person with large incomes will turn to social mortgages. He will be able to buy any apartment for himself.

As for the property, its presence is not necessary, since the mortgaged apartment itself is the subject of collateral. Until the citizen pays for it in accordance with the contract, he will live in it for hire. And if he does not fulfill his contractual obligations, he will have trouble. With the exception of objective circumstances, due to which a person will not be able to repay the loan for some time. Then, for a certain period, we “freeze” mortgage payments, but the current payment for housing and communal services remains.

Zaynur Malikov from the Mamadysh region asks:

- Is it true that villagers can also purchase housing on a social mortgage, only on different terms than city dwellers? Our administration could not give me a sensible answer. Maybe they just don't have the information. Or is there no "rural" mortgage?

“There is, you can be sure. It was decided that the housing fund will allocate funds to those villagers who have already begun to build houses for themselves and bear certain costs. In order for them to continue and complete the construction, we will provide them with loans through banks also at seven percent. Large sums of money are allocated for the development of villages and villages (not counting regional centers, which are subject to the same conditions as cities). In addition, villagers can enter into a mortgage at a rate of not eighteen, but 21.2 "squares" per person.

During the "direct communication" questions were often raised: what is the amount of the down payment, is it possible to make it with an existing apartment? And until what age can a person take part in a social mortgage?

Until retirement age. And the amount of the down payment will depend on your capabilities and on when you want to get an apartment. After registering and concluding an agreement with the housing stock, making the first thousand rubles, you will already have the right to take part in choosing an apartment. The first to receive housing are those who score more points or, in other words, contribute more money. The smaller the installment, the longer the way to "hour X". For prestigious houses there will be high quotas (high level of down payment), for simpler houses or uncomfortable floors - and the contributions will be lower. An old apartment can also serve as a down payment. We can conclude a contract to purchase it, but the family will live in it until they get a new home.

- Are benefits provided for those who served in Chechnya, Afghanistan?

— The social mortgage system is built in such a way that all its participants have equal rights. True, some categories of citizens, including young families, Afghans, participants in the war, can be provided from the budget (federal, republican or local) with independent subsidies and subventions. And they can be used to pay for the apartment. But the issue of obtaining subsidies is not related to the issue of housing. It's just a matter for the recipient and local authorities how to manage the money. In this regard, please contact your local authorities.

On the line - Irina Nikolaeva from Kazan:

- I'm on a budget. My husband and son and I are registered in a three-room non-privatized apartment - in the "Khrushchev". We have less than eighteen square meters per family member. But I own a one-room small family, where my mother used to live, who recently died. Can I count on participation in a social mortgage in such a situation?

- Calculations are made on the basis of the total housing stock that you have. To do this, we take an extract from the state register. And if there are more than eighteen square meters per person, the answer is no. In this case, the state is not obliged to solve your housing issue. You can privatize an apartment, then sell both and buy the housing that suits you. You also have the right to use a regular mortgage: take a bank loan, mortgage both apartments, buy a new one. Having sold the old housing, pay off the bank and pay the remaining interest.

At Tatyana Panarina another problem:

- In the near future I will return from maternity leave to work - in a private enterprise. Our family used to stand in line for an apartment. At one time, it was said from high tribunes that those on the waiting list (for social or cooperative housing) would not be offended and would be among the first to enter the social mortgage lending program. Now they say that only state employees, employees of enterprises that finance the program, and the poor can count on this. What happens, we were deceived? Even working in a private structure, with our salary, we still cannot afford a classic mortgage.

“Today most of the enterprises are private. The same joint-stock companies (Tatneft, Kazanorgsintez and many others) are also private capital. Let your enterprise take part in the financing of the program, and we will solve the problem together.

“Our leadership is unlikely to agree to this. Is it possible to publish lists of enterprises with which you have entered into mortgage contracts? I am sure that for the sake of solving the “housing problem”, many would want to get a job there.

And I advise you to do the same. The fund has a complete list of such organizations, we keep accumulative records - who paid how much. So let's provide that information.

Yarullin family just works in such an organization - at Kazanorgsintez:

— My wife and two children live in a communal apartment. We know that our company participates in the financing of social mortgages. How can we get housing under this program?

- It is enough to write an application addressed to the General Director of Kazanorgsintez to be registered. And in accordance with the law, management cannot refuse you this. After registration, the list of mortgage applicants is sent to the State Housing Fund. And we give everyone the opportunity to choose the appropriate apartments. About twenty employees of your company will receive housing this year.

- But the leaders themselves decide who to put on record. What if they refuse?

- Nothing like this. Registration is mandatory for everyone. The only thing is that Kazanorgsintez has the right to include additional candidates in the list - no matter what footage they have, even more than eighteen square meters per person. But if you have less than eighteen, you must include it.

Nail Ziyatdinov from Buinsk worries about her children:

My daughter is a doctor, her husband is a physical education teacher. The children left Buinsk for Kazan and live in a hostel where they are registered. Can they take advantage of the social mortgage?

- There are no problems, unless, of course, the area of ​​​​the housing stock that they have in Buinsk does not go beyond the standard.

Many participants of the "direct connection" were interested in why social mortgage agreements are carried out through the "Building the Future" fund cooperative?

- The fact is that housing is provided not on the basis of ownership, but for hire. And there is a need to manage it. From a legal point of view, this should be dealt with by the SCLF of the RT. We do not want to give the housing we have built to the management of municipal offices. Therefore, it was legislated that the right to manage the future housing stock is granted to the participants in the mortgage program, united in a cooperative.

- And what is the initial fee to be paid or what deposit to make when joining it?

- Members of the cooperative pay monthly share contributions, the amount of which is determined by themselves, and these funds are spent by the cooperative. And the money that citizens pay for housing, including the down payment, is transferred to the account of the GZHF, and the fund is responsible for it.

At Askhata Gataullina from Kazan this question:

- Six people are registered in a two-room apartment, including me. But my wife and I divorced. And although now I live with my parents, I have not checked out of my former apartment. Will I be able to purchase housing under the social mortgage program, but only for myself, without a family?

— You can.

- It's good. But the cost of square meters is constantly growing. Will it affect mortgage repayment?

- Not. You will pay for housing at the starting price, that is, at the one that took place at the time you moved into it.

Many Kazan residents complained that in the regions of the republic people are already receiving housing on a social mortgage, and in the capital they still do not even accept applications for participation in the program.

- In accordance with the agreement on the delimitation of powers and interaction between state authorities and municipalities, the function of registration lies with the municipalities. Therefore, this issue should be addressed to the Kazan authorities. There are problems with Kazan. Elections are coming soon, and the voter will ask the potential, and then the elected government: how soon does it intend to solve this problem?

- But in the district administrations of Kazan, refusing to register, they motivate this by the fact that their own, Kazan mortgage will soon work ...

“I would only be glad if our capital could resolve this issue on its own. We would have done a lot more then. But… This year, we had six hundred million rubles available for the implementation of social mortgages in Kazan. Unfortunately, the city did not conclude an agreement on cooperation and did not provide land plots. As a result, housing is not built. And if you buy it ready-made, then the price of apartments will be very high.

Today, 5,150 families have been registered in the republic under social mortgages, 183 of them are in Kazan. 1285 contracts were concluded (86 in the capital of the republic). 480 Tatarstan families have improved their living conditions, including 49 from Kazan. Moreover, all figures for Kazan refer only to employees of industrial enterprises making payments in GZhF. In total, this year it is planned to provide apartments to 6081 families, for which 365 thousand square meters of housing will be built, next year 7500 families (450 thousand square meters) should improve their living conditions.

Also, things are not going well in Aksubaev, Agryz, Atna, Baltasy, Drozhzhany, Yelabuga, Kamsky Ustye, Rybnaya Sloboda, Sarmanovo. But here the problem lies only in the technical errors made by local administrations in preparing the lists of mortgage participants. There are about five thousand such families. You just need to bring the documentation to mind.

Residents of Naberezhnye Chelny are worried about the fact that six months ago they registered for a social mortgage, but no “movement” is visible.

— What are you talking about, Naberezhnye Chelny is the most active city in this respect. This year, more than 270 families have already received apartments, and in October five houses with 350 apartments will be commissioned in the motor city under this program.

Inna Nikitina came to Kazan from another city, bought a room here in a communal apartment. I wanted to enter the program of social mortgage lending, but did not find mutual understanding among the officials of the Novo-Savinovsky district (by the way, the administration of this district received the largest number of complaints).

“I have been working in a state institution for two and a half years,” says Inna Nikitina. - I came to the administration of the Novo-Savinovsky district to take a list of documents for a social mortgage. But they didn’t let me, they said that only those citizens who account for no more than seven square meters of the total area can participate in it. In vain I waved, like a flag, the newspaper "Republic of Tatarstan", in which it is written in black and white that there should be less than eighteen "squares" per city dweller. What should I do in this situation?

— Sue the inaction of officials. But first, write an application to be registered with a social mortgage. Get it registered. And within a month, the administration is obliged to give you an official answer why you were denied registration. If the answer does not suit you, appeal against the actions of local authorities in court.

Call from Nizhnekamsk. Madina Ayatskova expresses doubt:

— It often happens that we accept a program, begin to implement it, and then make all kinds of changes. Social mortgage is very attractive for the population. Are there plans to change the terms and conditions? If so, which ones?

- If any adjustments are made, then only in favor of the citizens. For example, initially the program provided: when a child is born to a young family participating in a social mortgage, she is provided with compensation for a loan in the amount of the cost of eighteen square meters of housing. Now the age limit has been lifted, and all families will be able to receive compensation, regardless of age. By the way, such lucky ones have already appeared in Arsk and Naberezhnye Chelny. Perhaps in the future the interest rate on the loan will be reduced.

How much will the interest rate decrease?

- It largely depends on the decisions that will be taken by the federal center. Russian President Vladimir Putin instructed the relevant structures to make the mortgage system accessible, as well as to resolve the issue of compensating bank interest from the federal budget.

The basis of the presidential mortgage is the availability of preferential terms, which are guaranteed by the state. One of these conditions in any mortgage is a low interest rate.

The presidential mortgage program is characterized by the lowest percentage - 5.5%. The difference between the preferential mortgage rate and the Central Bank rate will be reimbursed by the state to those banks that participate in the presidential program.

A preferential loan will not be provided to everyone, only to persons who are socially unprotected. These include young families, employees of the public sector, as well as families with more than three children.

Preferential lending is provided from 350 thousand rubles to 3 million rubles.

The duration of lending is determined by a period of 1 to 30 years.

Conditions for obtaining a presidential mortgage

A presidential mortgage, in the presence of favorable conditions, puts forward a number of requirements both for housing and for the borrower himself.

Housing Requirements

1. Acquisition is possible only from a legal entity.
2. Housing can only be bought in economy class.
3. It must be new building.
4. Housing may be commissioned or under construction.

Thus, the state supports not only the population, but also the development of the construction industry. To grant a loan, it is necessary to conduct an independent appraisal of real estate.

Requirements for the borrower

A fairly large list of requirements has been formed for the recipient of a preferential loan:

1. Belonging to a socially unprotected layer. You must document your status.
2. Age restrictions. At the time of obtaining a mortgage, the borrower must be over 21 years old, and at the time of the last payment, his age cannot exceed 75 years.
3. An initial fee. The minimum contribution amount is determined at 20%.

Important: If the down payment is less than 30%, then the upper limit of the borrower's age is limited to 65 years.

4. Insurance. The condition for obtaining a presidential mortgage is the life insurance of the recipient of the loan. After registration of ownership of housing, it is also required to conclude insurance for the property. The amount of coverage for insurance is set at 100%. If you refuse to apply for insurance, the interest rate increases. So in Koshelev-Bank, the loan interest increases by 6 points.
5. Registration. The recipient of the presidential mortgage must be registered near the location of the bank. Moreover, the duration of registration cannot be less than a year.
6. Job. Another important condition for granting a soft loan is the presence of a permanent job. Moreover, the experience at the last place of work cannot be less than six months. The level of salary received is considered by the bank in terms of sufficiency for loan payments.

Important: The borrower must have a good credit history.

Guarantee

The bank may require a guarantee to provide a sufficiently large amount to the recipient of the mortgage. The requirements for guarantors are:

• age over 25 years;
• having a permanent job;
• the existence of family ties with the borrower is welcome;
• the presence of property.

Pledge

It is issued for property rights under an equity participation agreement or for an object of acquired real estate.

An initial fee

The contribution amount varies from 20%. The more it is, the lower the rate is provided. Only with a 70% contribution, the rate will be a minimum of 5.5%. It is very problematic for socially unprotected families to accumulate such a down payment amount. But the credit is granted only when the installment is paid.

Interest rate

Its value depends on the down payment, the age of the borrower and the loan term: from 5.5% to 11.5%. Moreover, its size can grow significantly if you refuse insurance up to 10.5% and if you do not provide information about earnings up to 9.0%.

Loan terms

The minimum term is 1 year, the maximum is 30 years.

Documents for registration

To apply for any loan, you need a certain set of documents:

• mortgage application form;
• the passport;
• military ID, if available;
• employment history;
• certificate 2 personal income tax;
• a document confirming social insecurity: for a large family - birth certificates for children, for a young family - a marriage certificate and passports, for state employees - a certificate-request from the place of work.

The last document distinguishes this list from the list of documentation that is provided for conventional mortgages, since the presidential one is issued only to socially unprotected layers.

To provide an opportunity to purchase their own housing, the state has developed a program of mortgage lending at minimum interest. To obtain it on more favorable terms, it is necessary to consider all the additional requirements of the bank. The advantage of the presidential mortgage is the low rate.

Also, the fact that the amount of income does not affect the interest on the loan. The main disadvantage of this loan is the increase in the rate in case of refusal to apply for insurance, and the large dependence of the percentage on the initial payment.