Housing fund personal account. social mortgage. Housing stock under the President of the Republic of Tatarstan

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.

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 "Social mortgage under the President of the Republic of Tatarstan personal page." Its features will be discussed below.

This subject of the Russian Federation also participates in the state social mortgage program of the Russian Federation. The Government of the Republic of Tatarstan developed and adopted its own project, which differs significantly from the all-Russian program.

Funding for the implementation of this project comes from the federal budget, as well as allocated from the republic's own funds.

Its implementation is controlled personally by the President and his apparatus.

Social mortgage under the President of Tatarstan has the following differences from similar programs in other regions:

• the annual mortgage interest rate is set at 7%;
• applicants must live and work in Tatarstan for a certain period of time;
• square meters are provided only in the public housing stock (primary real estate market).

The social mortgage of Tatarstan provides for two options for participation, as well as a condition for granting a loan from the regional budget.

Affordable housing can be obtained by young and socially vulnerable families who, in accordance with the established procedure, are recognized as needing better housing conditions and do not have their own real estate. The distribution of housing in this case occurs on the basis of 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 getting an apartment. The distribution of housing in this situation occurs on the basis of a competition.

Social mortgage under the President of the Republic of Tatarstan has some differences from other projects, as citizens are offered a special payment mechanism.

First of all, it should be noted that all issues of 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 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 state employees work. At the same time, 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 the apartment, for those who are raising two or more children - 35-40%) or maternity capital (the so-called childbirth assistance).

NGO "GZhF under the President of the Republic of Tatarstan" provides grace periods for paying interest (no more than 6 months). They can be used throughout the entire term of the loan.

It must be remembered that a mortgage loan in the Republic of Tatarstan is provided for a period not exceeding 28.5 years.

The social mortgage developed by the GZHF provides for the use of social assistance for the birth of children to pay the down payment for an apartment, interest, as well as other mandatory payments.

In 2018, in the republic, when children are born in young families, payments will be made under the all-Russian program to support young mothers and fathers (maternity capital), as well as a regional project.

The regional program includes the following presidential and municipal payments:

• 30% cash compensation for housing and communal services (applies to families with many children, as well as low-income families);
• 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 of age (provided for families with many children).

All of these payments can be used to repay a preferential loan.

Large families are families that have more than two children, including adopted children, and have registered their status with social security authorities.

Low-income citizens are considered to be 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).

Preferential conditions for social mortgages in Tatarstan provide for employees of various budgetary organizations, low-income, young families a mandatory requirement, which consists in the fact that a person must work in the territory of the republic for 10 years (this was mentioned above).

But most 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 at enterprises, in budgetary organizations of Tatarstan. If the applicant left the republic for some time, then returned, the experience will be considered only for his work in the republic.

For example, the total experience of a citizen is 20 years, of which 10 years at 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, the experience in the Republic of Tatarstan is credited to him.

According to the Decree of the Government of the Republic of Tajikistan, the following citizens are entitled to social mortgage lending:

• young families where parents are under 35 years old, they live and work 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 adopted children;
• employees of various budgetary organizations who have worked in the republic for more than 10 years.

All of them need to improve their living conditions.

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 settlements of the region. To do this, construction companies are required to create a part of economy-class residential premises in each apartment building and transfer them to the state housing fund.

The state housing stock for social mortgages under the President of the Republic of Tatarstan is managed by a special institution of the non-governmental organization “GZhF under the President of the Republic of Tatarstan”.

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, the non-governmental organization “GZhF under the President of the Republic of Tatarstan” was created.

The purpose of its existence is to record all citizens who need housing on the territory of the republic, check the documents provided, put in a queue and issue residential real estate.

The objectives of the NO 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.

The principle of operation of the NGO "GZhF under the President of the Republic of Tajikistan" is that this organization accumulates not only budgetary funds, but also contributions paid by those in need of better housing conditions and state employees.

Representative offices of this organization are in every locality. After the appearance of a dwelling, its value is determined and, in order of priority, it is mortgaged to the family. At the same time, the price per square meter should not exceed 40-50 thousand rubles. It is transferred to state employees on the basis of a special competition.

The Social Mortgage under the President of the Republic of Tatarstan, as well as the personal page of the citizens of Tatarstan, were created in order to notify program participants about the queue movement, all payments they made, as well as the amount of accumulated funds, including those received as state subsidies.

Each participant receives a personal code to enter the account, login and can track all events related to his stay in the program.

When housing is received, when entering his page, a person can clarify what payment he should make this month, the balance to be paid off, and other financial information. This innovation saves time, helps a young family to get the necessary information without leaving home. But only those citizens who are allowed to participate in the program can create an office.

Information on types of economic activity GZhF UNDER THE PRESIDENT OF THE RT according to the Unified State Register of Legal Entities
OKVED code	Type	Name of the type of activity
68.32	Main activity	Real estate management on a fee or contract basis
64.99.1		Investments in securities
68.1	Additional activity
All activities
68.10	Additional activity	Buying and selling your own real estate
68.2	Additional activity	Renting and managing own or leased real estate

Economic indicators

2018

According to the results for 2018, the GZHF under the President of the Republic of Tatarstan increased its revenue by 7.08% to 17.38 billion rubles. from 16.23 billion rubles. for the same period last year. This follows from the company's report.

The net loss of the company GZHF UNDER THE PRESIDENT OF RT for 2018 increased by 10.64% to 416.02 million rubles. from 376.02 million rubles. for the same period of the previous year. The loss before tax of the company GZHF UNDER THE PRESIDENT OF THE RT for 2018 decreased by 9.69% to 405.30 million rubles. from 369.48 million rubles. for the same period of the previous year.

2017

The net loss of GZHF UNDER THE PRESIDENT OF THE RT for 2017 increased by 1.68 times to 376.02 million rubles. from 223.49 million rubles. for the same period of the previous year.

The company's sales for 2017 increased by 1.56 times to 16.23 billion rubles. This is stated in the company's report.

Profit from sales of the company GZHF UNDER THE PRESIDENT OF RT for 2017 increased by 1.7% to 1.67 billion rubles. from 1.64 billion rubles. for the same period last year.

2016

The net loss of the GZHF UNDER THE PRESIDENT OF THE RT for 2016 increased by 35.77% to 223.49 million rubles. from 164.61 million rubles. for the same period of the previous year.

The company's revenue increased by 8.11% to 10.43 billion rubles. The company GZHF UNDER THE PRESIDENT OF THE RT for 2016 received a profit from sales of 1.64 billion rubles, which is 3.07% less than the figure for the same period last year.

Loss before tax of the company GZHF UNDER THE PRESIDENT OF RT for 2016 decreased by 31.23% to 212.80 million rubles. from 162.16 million rubles. for the same period of the previous year.

2015

According to the results for 2015, the GZHF under the President of the Republic of Tatarstan reduced sales by 8.39% to 9.65 billion rubles. from 10.53 billion rubles. for the same period last year. This follows from the company's report.

The cost of production for the reporting period amounted to 7.96 billion rubles. Net loss of the company GZHF UNDER THE PRESIDENT OF RT for 2015 increased 1.61 times to 164.61 million rubles. from 102.18 million rubles. for the same period of the previous year.

2014

The net loss of the GZhF under the President of the Republic of Tatarstan for 2014 according to RAS amounted to 102.18 million rubles. against a profit of 102.83 million rubles. a year earlier.

Sales increased by 8.27% to 10.53 billion rubles. from 9.73 billion rubles. a year earlier. Profit from sales of the company GZHF under the President of the Republic of Tatarstan for 2014 increased by 13.76% to 1.61 billion rubles. compared to 1.41 billion rubles. a year earlier.

The loss before tax of the company GZHF under the President of the Republic of Tatarstan for 2014 amounted to 97.45 million rubles. against a profit of 108.69 million rubles. a year earlier.

2013

The net profit of NO "GZhF under the President of the Republic of Tatarstan" for 2013 according to RAS reached 102.83 million rubles. compared with a loss of 346.76 million rubles. a year earlier.

The company's sales for 2013 increased by 8.98% to 9.73 billion rubles. The cost of production for the reporting period increased by 5.6% to 8.32 billion rubles. from 7.87 billion rubles. a year earlier.

The company NO "GZhF under the President of the Republic of Tatarstan" completed 2013 with a profit before tax of 108.69 million rubles. compared to a loss of 343.45 million rubles. a year earlier.

2012

Net loss of NO "GZhF under the President of the Republic of Tatarstan" for 2012 according to RAS amounted to 346.76 million rubles. against a profit of 67.00 thousand rubles. a year earlier.

The company's revenue for 2012 increased by 16.2% to 8.93 billion rubles. The cost of production for the reporting period increased by 18.92% to 7.87 billion rubles. from 6.62 billion rubles. a year earlier.

The State Housing Fund under the President of the Republic of Tatarstan is an Internet resource that collects information about residential facilities of the republic that are under the jurisdiction of the state (private buildings are excluded).

The official website kooperativrt.ru (RT cooperative) through the personal section allows you to perform a number of important functions.

Navigation

When you enter the address kooperativrt.ru into the address bar, the main page of the GZHF portal under the President of the Republic of Tatarstan opens.

Under the header of the site there is a menu with the main categories:

• emergency objects. The section contains a list of emergency residential facilities in the Republic of Tatarstan (Kazan, Nizhnekamsk, etc.) and current information on each (on the resettlement of apartments and approval of the status of emergency housing, etc.);
• Arbitrage practice. This category contains a list of all court decisions on claims in which the housing fund took part, all case materials are available for download;
• Regulations. Clicking on the link opens a complete list of regulatory documents, forms to fill out and examples for writing appeals, statements, etc. All materials are available for download and are divided into subcategories to simplify the search (for residents of rural areas, cities, etc.) . Documents and resolutions according to which the State Housing Fund carries out work are also presented;
• FAQ. When you go to this section, a list of 28 questions on the operation of the state housing stock opens, which most often arise among users of the resource and among citizens in general;
• Analysis of work from citizens' requests - the link contains reports on what work was performed on written requests and applications from citizens in 2015-2016.

Below, in the central part of the page, there are news and information about the current work of the fund.

To the left of it is a block of links of the second menu. By clicking on them, you can get the following information:

1. Ratings - you must enter the number of the accounting file to see the rating of its processing;
2. Quotas - a list of organizations and what housing quotas they have (in sq. m);
3. Contests – click on the link to select the type of contest from the list and see available ones;
4. Representations - contact details of all organizations and representative offices that are part of this state structure;
5. Personal page of the GZHF under the President of the Republic of Tatarstan - a form for entering the personal section;
6. Administrations – login form for administrative employees;
7. For enterprises - a form for entering the portal for representatives of contractors;
8. For customers – login form for customers of works;
9. Concluding agreements - a page with a login form for those who want to conclude an agreement with the SRF under the President of the Republic of Tatarstan on a particular issue, for example, mortgages, social mortgages (social mortgages), etc.;
10. Obtaining a login and password - a form for entering personal information to obtain credentials for entering the portal (registration);
11. Rental housing - a section with regulatory and standard documents with which you can carry out transactions with rental housing, there is also a link to the list of rental houses;
12. Vacancies - work in the GZHF under the President of the Republic of Tatarstan.

Navigating the portal is not very easy due to its design. There are quite a large number of medium-sized links-buttons that are difficult to find. Also, their name often does not reflect the content. However, the functionality of the resource is wide and it contains most of the information that users may need when contacting the GZHF under the President of the Republic of Tatarstan.

Personal page

The section of the site kooperativrt.ru - GZhF RT "Personal page" was created for applicants who applied or want to apply to the organization to resolve any issue.

To get into it, you must first register on the portal, providing the necessary minimum information on your documents.

To register in your personal account, follow the algorithm:

1. In the left block on the main page, select the section "Obtaining a login and password" and go to it;
2. The registration form will open;
3. In the first line you need to enter your last name, first name and patronymic;
4. In the second line, the TIN number:
5. In the field below, enter the date of birth in the format DD.MM.YYYY;
6. On the line below, type in a series of identification document
7. In the last line you need to enter the passport number (or other identity document);
8. Click the "Continue" button below the form.

The user password will be generated automatically. In order to use it, that is, to enter the resource, find the “Personal Page” section in the left block on the main page and go to it. Here you need to enter the account number in numbers in the format ****-******-******. Below you need to specify the password in capital Latin letters.

If necessary, set a marker in the checkbox next to the inscription "Dedicated entrance for enterprises". After that, click the "Confirm" button.

Thus, the user has the opportunity to track the procedure for working with his applications, as well as to monitor the progress of consideration of his applications for social mortgage.