The long-term beneficiary of the social loan program left amid high-profile scandals.
Stories with the termination of the contract with the socialist and the increase in the cost of housing in Innopolis were the last things that will be remembered by the GZF of the era Talgata Abdullina... Honored Economist of the Republic of Tatarstan came to the State Housing Fund under the President of the Republic of Tatarstan in 1997. GZF was created two years earlier - in 1995, in Tatarstan, they took up the implementation of a program to resettle residents from dilapidated housing. At that time, out of 5.5 thousand houses, 1.5 thousand were over 100 years old. Then the idea appeared to create a State Housing Fund, to which commodity producers of the republic would contribute 1% of their proceeds.
Since 2005, the Fund has launched a social mortgage program. Note that up to this point the organization was called the State Off-budget Housing Fund under the President of the Republic of Tatarstan, but was transformed into a non-profit organization State Housing Fund under the President of the Republic of Tatarstan (GZHF), which has no membership and does not aim to make a profit.
Work within the framework of the social league program caused a lot of criticism from the residents of the republic, and then from the authorities. GZF canceled the preliminary protocols for the selection of apartments, a square meter of housing was becoming more expensive. There were complaints about the delay in the construction of facilities being built by the Foundation.
For example, in the spring of 2015, the quality of houses built by the State Housing Fund of the Republic of Tatarstan became the object of criticism from the Kazan authorities. Then, at one of the apparatus meetings, the chairman of the city committee of housing and communal services spoke Iskander Giniyatullin... He said that a residential building at 44 Chelyuskin, built in 2004, had “overgrown” with cracks on the facade for 10 years. There were also other construction defects.
A year later, in 2016, the Foundation unilaterally revised its terms of the competition, according to which housing was distributed among those on the waiting list. GZhF again put up for auction the previously drawn square meters of housing. The community members, who dreamed of an imminent move to new buildings, took to the streets, mass and single spontaneous rallies began. Only after the intervention of the President of Tatarstan Rustam Minnikhanov The scandal over the revision of the “rules of the game” was leveled, and Talgat Abdullin made a statement to reporters that there would be no more changes in the distribution system of apartments.
Abdullin swore not only with social workers, but also with counterparties. GZhF did not have a relationship with Kamgesenergostroy and PSO Kazan. The Goszhilfond criticized these companies for their slowness, poor performance and excluded them from the construction of facilities.
The collapse further weakened Abdullin's position. GZF turned into a defendant to the bankruptcy trustee of TFB - the Deposit Insurance Agency. The climax was the demand of the DIA to return a block of shares of the State Housing Fund in Ak Bars Bank in the amount of 9.8 billion rubles. GZF acted as a pledger under loan agreements of Tatfondbank with several companies associated with the former Chairman of the Board of the TFB Robert Musin... The shares of Ak Bars Bank acted as collateral. By the way, Talgat Abdullin was closely associated with ABB - for four years he was the chairman of the board of a financial organization.
As a result: 20.4% of Ak Bars Bank shares owned by GZF were arrested as part of a criminal case on fraud in Tatfondbank. At the same time, the arrest was subsequently lifted by the Supreme Court of the Republic of Tatarstan. However, scandals seemed to haunt Abdullin's organization. GZhF filed a lawsuit against the company in the Arbitration Court of the Republic of Tatarstan in the amount of 7.2 billion rubles. Curiously, the Fund owns a block of shares in the developer, and now they say that Talgat Abdullin will take the post of head of ABD, pushing Marata Shagitova.
Yesterday (October 11 - Ed.) President of Tatarstan Rustam Minnikhanov instructed to investigate the situation with the termination of the social mortgage agreement by the State Housing Fund. It's about a mother with many children Elvira Sadkina... The state housing fund under the President of the Republic of Tatarstan unilaterally terminated the social mortgage agreement with the woman for the construction of a three-room apartment in the Salavat Kupere residential complex. A mother with many children believes that in this way the GZF “punishes” her for her “active civic position.
The last nail in Abdullin's ambitions was hammered by the State Housing Fund. Moreover, before that, GZhF regularly received claims regarding shortcomings in the construction of housing in the city. It is interesting that in the Fund itself, the information about the increase has not been denied. This was done by representatives of the Ministry of Communications of Tatarstan in response to a request from the KazanFirst editorial office. The reports of the increase in the rental price were called a mistake.
Meanwhile, Rustam Minnikhanov appointed the new head of the State Housing Fund Marat Zaripova, who previously served as head of the RT State Committee on Tariffs. It is curious that the transfer of Zaripov to another position is taking place against a not very positive informational background.
The State Committee on Tariffs of the Republic of Tajikistan has always been a separate “state within a state” in the system of state authorities of the republic, with its own rules of operation and the absence of any control over their activities. This was due to the specifics of federal legislation in the field of tariff regulation. As an example, we can recall the history of 2012, when the fact was revealed that the State Committee, by its decision, laid in the tariffs for heat "Tatenergo", then still headed, overstated costs for the purchase of gas. It was about the withdrawal of billions of rubles from "Tatenergo" collected from consumers of the republic through heat tariffs.
At the time when Marat Zaripov was at the head of the State Tariffs Committee, the launch of a system of public control over the activities of natural monopoly entities in Russia took place. Tatarstan President Rustam Minnikhanov supported the federal initiative, so the republic actually became a platform for testing the entire structure of this system.
As a result, both the State Tariffs Committee and the decisions made by it fell under independent control. As the interlocutors of KazanFirst in the government of the republic, who wished to remain anonymous, note, as a result, alternative opinions appeared on many decisions of the State Committee and serious omissions of the department began to be revealed. On the other hand, in the past few years, the State Committee and personally Marat Zaripov himself have become open to the media, unlike their predecessors.
March 29, 2018 3:44 pm
State Housing Fund through the court withdrew a loan from Tatfondbank ... recognized the legality of the transfer of obligations State housing fund Tatarstan under a loan agreement from Tatfondbank to Timer Bank, - informs the group of information policy State housing fund In 2016 ... State Housing Fund handed over a residential building to participants in Buinsk state programs ..., the layout is also very pleasant. We are very satisfied with the quality of construction, I express my gratitude State housing fund Tatarstan and the district administration ”, - said the interlocutor of RBK-Tatarstan. The construction contractor ... is the State Housing Fund under the President RT... Since the beginning of 2017, according to housing programs implemented State housing fund, about 140 houses have already been commissioned in ... Talgat Abdullin: Salavat Kupere has become a turning point ... to socialists, the contract between the PSO Kazan and Roscosmos, the head of RBC-Tatarstan State housing fund Republic Talgat Abdullin The largest residential development complex in Tatarstan “Salavat .... In our State housing fund in general, a stable financial system has been built, and this is clearly seen against the background of the problems of defrauded equity holders. Programs State housing fund work flawlessly ... Another house was commissioned in "Salavat Cooper" under the social mortgage program ... along Ayrat Arslanov street. This house is part of the quarter that State housing fund RT pledged to hand over by the end of the year In a 255-apartment building a housewarming ..., medical workers-recipients of grants. The Executive Director spoke at the opening State housing fund under the President RT Talgat Abdullin. “Congratulations to everyone who is moving to this house ... under the President RT... The technical customer is AK Bars Engineering LLC, the contractor is Stroitel + LLC. Since the beginning of 2017, according to housing programs implemented State housing fund, introduced ... An extended reception of citizens on personal matters was held at the State Housing Fund ... V State housing fund RT an extended reception of citizens on personal matters was held with the participation of representatives of ... RBC-Tatarstan in State housing fund RT... All comers received detailed explanations for all the questions raised. The meeting was hosted by the executive director State housing fund Talgat Abdullin and Deputy ... Four orphans received keys to new houses from the State Housing Fund ... years of Victory, "the head of the information policy group told RBC-Tatarstan State housing fund under the president RT Guzel Rakhmatullina. Under the same program, the keys to the new ... The head of the information policy group congratulated the new settlers on an important event State housing fund under the president RT Guzel Rakhmatullina, head of the Cheremshan municipal district Ilnar Mingazov and ... State Housing Fund handed over 30 new apartments to doctors of Nizhnekamsk ... the republic of rental housing and the allocation of grants. The investor - the builder of the houses was State housing fund Tatarstan As part of the settlement ceremony, Minister of Health of Tatarstan Adel Vafin ... in 2015. He invested in the construction of houses in the districts of the republic State housing fund... According to another state program for improving housing conditions - sotsipotek - with ... State Housing Fund spoke about a new contractor and rental housing for 7 thousand rubles ... at home, change your mind in choosing a particular apartment. Since 2005 State housing fund under the President of Tatarstan is implementing a social mortgage program. During this time ... the indicators of the GJF program have not changed. This is 7% per annum. Community houses State housing fund will continue to build in "Salavat Cooper", on the way the commissioning of the first ... provides for 9,937 apartments throughout the republic. Rental housing from State housing fund looks more than attractive on the market today. One-room apartment, k ... State Housing Fund settled in 4 houses for emergency workers and orphans in Kukmor ... 7 orphans The executive director took part in the ceremony State housing fund Talgat Abdullin, head of the district Sergey Dimitriev, head of the development department of construction ... and housing and communal services of the Republic of Tatarstan Dinar Sagdatullin. Executive Director State housing fund Talgat Abdullin congratulated the new settlers and noted that ... State Housing Fund has completed the construction of houses of the first stage in Innopolis ... time The completion of construction work was reported to RBK-Tatarstan by a press secretary State housing fund Lilia Mannapova. “The city has built all the necessary infrastructure within ... the police, agricultural workers. State housing fund under the President of Tatarstan is an investor in the construction of residential buildings under a number of state programs. In 2017 State housing fund plans to build 534 ...15 Mar 2017, 14:08
The implementation of the State Housing Fund programs did not suffer from the banking crisis ... for the republic of housing programs, including social lending, implemented State housing fund, said the head of the Department State housing fund Maxim Kornyanen “There are no problems. All objects are funded .... In particular, the state support will operate at the facilities. Recall State housing fund under the President of Tatarstan is an investor in the construction of residential buildings under the program ...03 Mar 2017, 16:16
GZHF explained when they will transfer ownership of the apartment in "Salavat Cooper" ... one residential building 13-1. "Based on the results of the inspection by the State Construction Supervision Inspection RT the object has not received a conformity report. Currently a contractor .... Recall State housing fund under the President of Tatarstan, is the operator of the construction of houses within the framework of state programs of the republic. Since the beginning of this year, employees State housing fund only passed ... Minnikhanov criticized the work of Tygin and the State Housing Fund of the Republic of Tatarstan ... during the republican meeting, criticized the actions of the authorities of the Zelenodolsk region and State housing fund RT, due to the delay in the settlement of a 282-apartment building on Stroiteley Avenue ... September 5. But, as it turned out later, at that time State housing fund RT there was not a complete package of documents, and the tenant's keys were handed over to ... our citizens to power. To the leadership of the Zelenodolsk municipal district and GZhF RT instructed to bring the new settlers words of apology on behalf of the President of the Republic of Tatarstan ... Rustam Minnikhanov harshly criticized the State Housing Fund of the Republic of Tatarstan and the authorities of Kazan ... President of Tatarstan Rustam Minnikhanov harshly criticized the leadership State housing fund RT and the Kazan authorities for delays in the construction of the Salavat Kupere residential complex. ... in Tatarstan, Rustam Minnikhanov asked the Minister of Construction, Architecture and Housing and Utilities RT Ireka Fayzullina to suspend the report and clarify some points “The sixth month ... ... Executive Director State housing fund Republic Talgat Abdullin said that those wishing to go through the selection procedure again ..., erected under the social mortgage program. So, on April 1 on the site State housing fund there was a message that the square meters already distributed between people will be ... will be. However, how the situation will develop in the future is unknown. Now GZHF RT creates an open system in which online you can observe ... The point of development of the social league: the first house "Salavat Kupere" was settled in Kazan .... According to State housing fund, in 2015, more than 7 billion rubles were invested in a large-scale project. Executive Director State housing fund under the president RT Talgat Abdullin, answering ... the project, initially estimated at 42 billion rubles, according to the head State housing fund, due to fluctuations in exchange rates and other economic fluctuations, not ... about 3.4 thousand families had to conclude agreements with State housing fund in October 2015. In addition, by the end of 2017 ...01 Mar 2014, 13:36
RT State housing fund01 Mar 2014, 13:36
A microdistrict of social housing will be built in the "Medical town" ... the city limits of the capital of Tatarstan, which consolidated the proposal of the administration of the Laishevsky district RT transfer to the city limits of individual land with settlements under construction ... that the city authorities consider the decision to transfer the lands of the "Medical town" State housing fund republic for the construction of social housing is absolutely correct. Noting that the questions ...In the context of the economic crisis, the Government of the Russian Federation proposes new mechanisms to support socially unprotected citizens. To improve the quality of their lives, programs of housing loans with state support are being developed. Borrowers who meet the conditions of a specific project will be able to use a social mortgage.
The programs cover many categories of the population: low-income citizens, young families, state employees (doctors, teachers, young scientists), military personnel.
The social mortgage program was prepared by the Department of Housing Policy and is aimed at fulfilling the instructions of the Government of the Russian Federation. The Housing Fund approved the procedure for the provision of residential real estate on social mortgage. Applicants can purchase an apartment under a sale and purchase agreement with the registration of the document at the Department of Housing and Housing Policy.
To obtain a soft loan, socially vulnerable citizens can apply to any state or commercial bank that provides mortgages with state guarantees.
According to the Department of Social Mortgage under the President, over the past five years, every seventh participant in state programs has been able to take advantage of and improve their living conditions with the help of state subsidies and mortgage lending.
Under the terms of social programs, low-income borrowers can purchase real estate in the primary and secondary markets, as well as social housing at reduced prices, which is owned by local authorities.
Mortgages under the president are multivariate: a subsidy is allocated for part of the cost of the purchased apartment or a subsidy for an interest rate. Municipal housing is sold to participants in social programs at an affordable price. Which species is used in a particular region depends on the initiative of the local authorities.
A good example in this matter can be the Republic of Tatarstan, where since 2004 they have successfully implemented a draft law on social housing lending, developed at the local level, which significantly differs from the standard version.
How to get the
The implementation of the program is controlled by the State Housing Fund (GHF) and the President of the Republic of Tatarstan.
The peculiarities of the presidential program are that the borrower and the GRF enter into an agreement, according to which the project participant undertakes to regularly contribute a certain amount to form a reserve. The savings are necessary to partially pay the cost of the purchased housing. A mortgage is issued for the rest of the amount.
The term of the agreement is up to 28.5 years. Bank rate (7%) - fixed, set for the entire crediting period. The obligatory moment is the first installment (10-30%). You can use:
- Maternal capital;
- Accumulations formed during the period of participation in the project;
- State support for young families (the size of the subsidy can reach 40% of the cost of an apartment);
- By own means.
Sometimes, to pay the first installment, they take an additional loan, leaving the existing housing as a pledge (if the borrower or co-borrowers are its owners).
Under the terms of the project, mortgages are also provided to childless families. If a child is born during the validity period of the contract, the spouses are provided with material assistance in the amount of 200 thousand rubles. The funds must be used to pay off mortgage obligations.
The peculiarity of the presidential project is that the participants can make monthly contributions not always in the traditional way - they pay with labor or products produced on their own household.
Where can I get housing
The difference between a mortgage under the president is that the applicant can choose an apartment only from the real estate that was built within the framework of this project. Such housing complexes (LCD) are being built mainly in large cities and some small settlements. Apart from a limited choice of apartments, they also differ in price: square meters in the capital will be more expensive than in the periphery. These factors also affect the size of the loan and the rating points.
The exact list of districts where construction is being carried out by the partner firms of the project can be found on the website of the state housing fund. There is information on the websites of banks and developers. An important requirement for the latter is to build housing in a complex manner, so the program participant receives an apartment in microdistricts with normal infrastructure. After the transfer of the documentation to the GZF and the approval of the application by the housing commission, the participant waits for his real estate option.
- Kazan. Social homes are being built in Aviastroitelny, Kirovsky, Privolzhsky, Pakhitovsky and Sovetsky districts. The most popular microdistrict is Salavat Kupere, where it is planned to solve the housing problems of 14 thousand families. More than 350 hectares are being built up with residential complexes in order to accommodate about 40 thousand people. MK "Raduzhny" is also located in an ecologically clean area, but there are more apartments for commercial sale. A school for a thousand children is being built.
- Naberezhnye Chelny. The most popular complexes are located on the outskirts of the city: the cost of housing is much lower here, and these ecologically areas are much cleaner. Among the actively under construction complexes - "Yalyshek-2", as well as "63rd complex". In addition to the presidential mortgage, residents of the city can participate in the "Building the Future" project, which also helps to purchase real estate on favorable terms for the participant.
The contract for the selected apartment is preliminary and has no special legal force. If a program participant violates the debt repayment schedule or does not score enough points, other applicants may be moved into the selected apartment.
If the borrower got a part-time job or left the public sector altogether, he no longer has the right to demand an apartment on a social mortgage. During the crisis, many building materials even fell in price, so the developer does not see any reasons for increasing the cost of housing.
Who can participate in the project
Social mortgage under the President of the Republic of Tatarstan covers many segments of the population:
- Budget workers - teachers, scientists, physicians, young professionals, cultural and social workers;
- Servicemen, participants in hostilities;
- Citizens who live in an emergency or unsuitable for housing premises;
- Young families (age limit - up to 35 years old) with or without children;
- Applicants whose living space does not meet the standards (18 sq. M per one tenant);
- Large families;
- Disabled people and families with disabled children;
- Single-parent families, if their income has dropped by 30%;
- Employees of enterprises-investors, participants in the presidential mortgage program.
A project participant can be solvent working citizens with a stable income and a normal credit history, who meet the program criteria and have funds for the first payment. The applicant must also have the status of a person who needs to improve their living conditions.
Families with an income above the subsistence level can apply for social housing if they can make regular contributions to pay off the loan.
State employees must have at least three years of work experience in their specialty. Citizens aged 18 to 54 years old with continuous work experience in the last place from 6 months can apply. For the military, the minimum service life is 10 years. Applicants must live and work in the Republic of Tajikistan for at least 10 years.
Home loan registration
To obtain the status of a program participant, you must contact the administration with an application. Here you can also consult on the selected program, make a preliminary calculation. Employees of enterprises funding the program can apply through the supervisor.
Prepare all required documentation while waiting for preliminary approval of the application. The officials have 1 month to make the final decision. With a positive decision, they sign a social mortgage agreement, after which they make monthly contributions to the GZF (the amount depends on the family budget).
It remains to wait for one or several offers of housing space from the GZF, which can be bought within the framework of the project.
You can participate in a competition like a rating auction. To do this, you need to register on the GZF website and get access to your personal account, from where applications for participation are sent. The higher the rating, the more chances the contestants have to win. Points are generated based on the amount of each participant's savings and the length of stay in the program. 
There is another option for obtaining a mortgage, when state support is provided out of turn. Each case is studied individually in an extremely short time.
What documents to prepare
Presidential mortgage applicants must submit documentation:
- Family member passports;
- INN and SNILS;
- Certificate of marriage or its dissolution (if any);
- Birth certificates of children (if any);
- Military ID (for those liable for military service);
- Education documents;
- Income statement;
- Real estate title deeds;
- Confirmation of the status of a person who needs to improve their living conditions.
A completed application form is attached to the documents. The Commission has the right to request additional confirmation of the applicant's solvency.
Pros and cons of a presidential mortgage
A mortgage under the President in the Republic of Tatarstan is an opportunity to purchase an apartment on terms that are more favorable than in the country as a whole.
The participation of GZF allowed applicants to receive a number of advantages:
- Reduce the first installment to 10% of the apartment price (the maximum limit is 30%).
- For single mothers and some other categories on an individual basis, a full exemption from the first installment is also possible.
- At the base rate of 7.4%, social mortgages are given at 7% per annum.
- The maximum repayment period (28.5 years) can be shortened and the loan can be closed ahead of schedule without overpayments.
- When a baby is born, the family receives 200 thousand rubles. to pay off mortgage obligations.
- After the appearance of the second and subsequent children, you can contribute funds from maternity capital to repay the loan.
- You can pay for a mortgage not only with money, but also with labor, agricultural products.
- There are no additional insurances - only the purchased apartment and the participant's liability are insured.
If the family has a difficult financial situation, the borrower is afraid of losing the apartment - all cases are considered by the GZF individually, developing a convenient option for repaying the debt (deferral, restructuring, etc.). The deferral of payments does not relieve the bank's client of having to pay the rent for the apartment.
In any program of state support there are details that the participant does not pay due attention to at first. But later, such nuances can create additional difficulties.
After purchasing housing within the framework of the project, the participant has no right to stop working or leave the budgetary sphere for 10 years. If the condition is violated, the remainder of the debt will have to be repaid at a double rate. It is possible to terminate labor relations with the enterprise without penalties if the dismissal was by agreement of the parties.
After receiving an apartment, a program participant will no longer be able to participate in other social projects aimed at improving living conditions. Under the presidential mortgage, housing can be purchased only once in a lifetime, so it makes sense to study all the possible benefits and subsidies that a family can count on and choose the best option for state aid. The total price of square meters of housing also includes child benefits.
Developed standards for the size of mortgage living space:
- Lonely - 33 sq. m;
- For a childless family (2 people) - 42 sq. m;
- A family of 3 people - 18 sq. m per tenant.
There is one more important point: until the full payment of the mortgage, the borrower uses the living space under a social tenancy agreement. He also pays the rent (at minimum state rates). He will be able to obtain a certificate of ownership only after the final repayment of the debt.
Partner banks
The number of financial institutions participating in the program is limited, as many have representative offices only in large cities. Among the program participants there are not only banks of the republic, but also partners providing services throughout Russia: Sberbank, Kara-Altyn, Rosbank, Ak Bars.
According to the terms of the presidential mortgage, the borrowers conclude an agreement with the representative office of the housing fund under the president. And in a bank that is a partner, you need to open an account for monthly payments, taking into account the cost of 1 sq. m of social housing (from 11%). If a bank client violates the schedule of payments on mortgage obligations, GZF has the right to terminate the contract on its own initiative.
In parallel with the mortgage under the President, the banks of the republic offer their clients to solve housing problems with the help of the "Young Family" program. The first requirement for candidates: one of the spouses must be under 35 years old. The project makes it possible to purchase housing at a base rate (from 7.4%) both in the primary and secondary markets.
In accordance with the bill, the social mortgage under the president in the Republic of Tatarstan runs until 2019. It remains to be hoped that after its completion the regional authorities will develop even more effective measures to provide the needy socially unprotected citizens with housing.
The company NON-PROFIT ORGANIZATION "STATE HOUSING FUND UNDER THE PRESIDENT OF THE REPUBLIC OF TATARSTAN" 1655065113 was registered at the legal address 420015, TATARSTAN REPUBLIC, KAZAN GOROD, GORKOGO STREET, 8/9. According to the registration documents, the main activity is the management of real estate for a fee or on a contractual basis. The company was registered on March 29, 2005. The company has been assigned the All-Russian State Registration Number: 1051622037400. The head is EXECUTIVE DIRECTOR MARAT RIVGATOVICH ZARIPOV. To obtain more detailed information, you need to go to the company card and check the counterparty for reliability.
The GZhF company UNDER THE PRESIDENT of the Republic of Tatarstan on March 29, 2005 was registered with the Interdistrict Inspectorate of the Federal Tax Service No. 18 for the Republic of Tatarstan. The registration procedure with the State Institution - Management of the Pension Fund of the Russian Federation in the Vakhitovsky district of Kazan, the Republic of Tatarstan was carried out on 12.01.2010. Also Branch No. 1 of the State Institution - the regional branch of the Social Insurance Fund of the Russian Federation in the Republic of Tatarstan put the company on record 12.05.2005 00:00:00. The last entry in the register of the Unified State Register of Legal Entities, which is contained about this organization: Submission by the licensing authority of information on the cancellation of the license.
