The city of Naberezhnye Chelny actively participates in the implementation of the Social Mortgage Program. Investor - State Housing Fund under President of the Republic of Tatarstan- entrusted LLC "DOMKOR" (formerly LLC "Zhilischnaya investment company"), the main customer-developer residential buildings in the city of Naberezhnye Chelny, carry out technical Supervision for the construction of housing under this program.

Social mortgage - it's available

The non-profit organization "State Housing Fund under the President of the Republic of Tatarstan" (NO GZhF RT) was founded on March 30, 1995 by Decree of the President of the Republic of Tatarstan M.Sh.Shaimiev No. 213 "On measures for the development housing construction in the Republic of Tatarstan" to develop and implement non-traditional methods of financing and attracting extra-budgetary funds for housing construction. The Fund has been implementing the Social Mortgage Program since 2005 in accordance with the Law of the Republic of Tatarstan No. 69-ZRT "On State Support for Housing Construction in the Republic of Tatarstan" dated December 27, 2004.

The main activity of the fund is the implementation of housing programs adopted by the Government Russian Federation, public authorities of the Republic of Tatarstan and local governments, as well as the sale of housing to the population of the Republic of Tatarstan on the principles of social mortgage, mortgage lending citizens and legal entities. The operation of the Social Mortgage Program is planned for the long term - until 2019.

Social mortgage is designed specifically for certain categories of the population who need to improve their living conditions, but cannot afford it.

Social mortgage provides an opportunity to purchase housing on privileged terms for certain categories of the population using state financial support and mortgage lending. The social mortgage of the Republic of Tatarstan is regulated by the Law of the Republic of Tatarstan No. 69-ZRT dated December 27, 2004 “On State Support for the Development of Housing Construction in the Republic of Tatarstan”.

Decrees of the Cabinet of Ministers of the Republic of Tajikistan dated April 15, 2005 No. 188, No. 189, No. 190, No. 233, No. 479, No. 480. It is important to remember that living conditions improve only within the established social norms (today this norm is 18 sq. m per person).

Since 2004, more than 5,000 families have celebrated housewarming under the social mortgage program.

For specific information on social mortgages, contact non-profit organization"State Housing Fund under the President of the Republic of Tatarstan".

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 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. Affordable interest rate- only 7%.
4. Required an initial fee. 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 involves payment in goods own production in a personal household or to repay a debt with their 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 financial 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. Need to accumulate big 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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The State Housing Fund under the President of the Republic of Tatarstan explains:

How to register?

Those in need of better housing conditions are recognized:

Citizens of the Republic of Tajikistan registered at their permanent place of residence;

• occupying less than 18 sq.m. total area per family member (for state employees), for employees of organizations (not state employees) the norm is 18 sq.m. not installed, i.e. maybe more, but it is necessary that your the organization participated in the financing of the social mortgage. The list of organizations participating in the financing of social mortgages is available from representatives of the Consumer Cooperative "Building the Future" and on the website www.kooperativrt.ru/
• living in unsuitable housing, recognized as such in accordance with applicable law (dilapidated, emergency, etc., etc.).

Applications for registration are accepted:

• at the place of residence - in local governments(as a rule, in housing commissions under the administrations of cities and districts). List of addresses and performers from representatives of the PC "Building the Future" (for state employees);
• at the place of work - by officials appointed by order of the Head legal entity(if your organization is on the list that finances social mortgages, you need to contact to the administration of the organization with an application for registration), in the absence of a housing commission at the enterprise, you need to contact the administration of the city, district.

To make sure you are on the list of those in need of better housing conditions or not, you can:

• at the place of application, in the lists approved by the State Housing Fund under the President of the Republic of Tatarstan;
• on the website www.kooperativrt.ru (you need to know your family's registration number);
• from representatives of the PC "Building the Future".

By general rule confirmation of registration can be obtained within 3-4 weeks from the date of application at the places of delivery primary documents(ask for your family's record number). If there is more than one family at the place of residence, then they are subject to separate registration. Citizens are registered and receive the right to participate in the social mortgage only after the family is accepted into the Consolidated List of the State Life Fund under the President of the Republic of Tajikistan, i.e. in fact, after the approval of your application by the GZHF under the President of the Republic of Tajikistan. If for some reason you are denied registration, and you consider these reasons to be unreasonable and illegal, then you can contact the State Zhif Fund under the President of the Republic of Tatarstan at the address: RT, 420043, Kazan, Gorky St., 8/9 , tel/f.: 70-58-66, to local authorities and prosecutor's offices with a statement about the violation of the procedure for the implementation of the Law of the Republic of Tajikistan “On state support for construction in the Republic of Tajikistan No. 69-3RT dated December 27, 2004. and Resolution of the Cabinet of Ministers of the Republic of Tajikistan No. 190 dated April 15, 2005. “On approval of the Rules and procedure for registering those in need of better housing conditions in the social mortgage system in the Republic of Tajikistan”.

A citizen who is registered as needing better housing conditions must conclude a Social Mortgage Agreement with the State Housing Fund under the President of the Republic of Tajikistan. The Attorney on behalf of the GZHF is the PC "Building the Future", acting on the basis of the contract of assignment No. 258 of August 18, 2005. and Power of Attorney No. 49 dated August 25, 2005, issued by the executive director of the SCHF under the President of the Republic of Tatarstan Abdullin T.M. Chairman of the PC "Building the Future" Tsibizov A.A.

The GZHF under the President of the Republic of Tatarstan concludes a social mortgage agreement with a citizen-member of the PC "Building the Future". To become a member of the Building the Future PC, you need to write an application for joining the Building the Future PC (an application form from representatives of the Building the Future PC in the field) and pay an entrance fee membership fee. Family members under the age of 18 should not join the Cooperative and, accordingly, should not pay an entrance membership fee.

The social mortgage agreement is signed by all family members who are registered as in need of better housing conditions. After the conclusion (signing) of the social mortgage agreement, citizens may to pay cash under a social mortgage agreement, thereby accumulating them for the purchase of a future apartment. All savings of citizens when moving into a new apartment are counted towards the redemption of square meters under a social mortgage agreement. Before moving into a new apartment, you can pay any amount at any time at your discretion.

How is the choice of an apartment that you will receive under a social mortgage agreement?

To streamline the selection of apartments, the following procedure applies:

All funds received under the social mortgage agreement before settlement, except for the fact that they are reflected in rubles, are also reflected in the form of points. Points are calculated by multiplying the amount of receipts in thousands of rubles by the number of days until the points are calculated. For example: You transferred under a social mortgage agreement 5 000,00 rubles and 10 September, they arrived at the account of the Attorney, and you need to find out how many points you have on 17 September, then

5 * 8 days, get 40 points,

8 days – number of days from the date of receipt of funds to the date of scoring,

5 - cash received, in thousands of rubles,

If you transferred another 7,000 rubles, which were received on the account of the Attorney on October 3, then as of November 25 you will have:

5 * 77 days + 7 * 54 days = 385+378 = 763 points,

77 days \u003d 21 days (in September) + 31 days (in October) + 25 days (in November),

54 days = 29 days (in October) + 25 days (in November).

Thus, you yourself can approximately calculate the number of your points (approximately, since you cannot know exactly the day the funds were received on the account of the Attorney). You can find out the exact number of points on the website of the PC "Building the Future" (instructions for using the site from the representatives of the PC "Building the Future") or in the monthly bulletin from the representatives of the PC "Building the Future".

• employees of organizations (enterprises) involved in the financing of social mortgages;
• public sector workers,
• citizens in need of urgent support (out of turn).

You must know which accounting group you belong to!

There are accounting subgroups, for example, employees of a particular enterprise belong to the accounting group "employees of enterprises" or large families - to the accounting group "out of turn".

• In addition to the fact that you receive information about exactly what place you occupy in the list for your city, district and for your accounting group, GZHF and PC "Building the Future" will provide you with data on objects under construction and finished objects (houses, apartments). This information is posted on the website. www.kooperativrt.ru/ and from the representative of the PC "Building the Future", and is the data:
  • about objects under construction and finished objects (houses, apartments),
  • on the degree of their readiness and the timing of commissioning (settlement).
  • about the apartment numbers, their floor distribution, according to the access distribution, areas, floor plans,
  • estimated cost of one square meter (per construction phase),
  • the initial cost of one square meter after the start of the competition.

At any time at the representative of PC "Building the Future" and on the website www.kooperativrt.ru/ you can get information about the beginning and date (time) of the end of the competition for objects under construction and finished objects (houses, apartments).

Since the beginning of the competition, if you have a desire to purchase an apartment in this house, and if you have paid at least 1000 rubles under a social mortgage agreement. - for public sector employees and citizens in need of urgent support, or at least 10% of the cost of a future apartment (determined by multiplying the declared cost per square meter to the total area) - for employees of enterprises, you can come to the representative office of the PC "Building the Future" at the place of registration of the social mortgage agreement or to the head office in Kazan and fill out the "Protocol for choosing the future of an apartment."

“Protocol of participation, selection and transfer of a citizen’s future own apartment to a social mortgage agreement” is signed by the applicants indicating the apartment number and the cost per square meter at which you are ready to purchase it. The cost per square meter, which you declare, cannot be lower than the one announced by the GZHF under the President of the Republic of Tatarstan. The declared cost per square meter increases your points (accumulated points increase by a step-by-step factor), 1 step - 100 rubles.

Odds table

Step
Coefficient

Step
Coefficient

Step
Coefficient

Step
Coefficient

Step
Coefficient

For example, you have accumulated 763 points (section 3), the initial cost of one square meter is 11,000.00 rubles. You declare the cost at which you are ready to purchase a future apartment 11,200.00 rubles, the step was 200 rubles, the coefficient is K = 1.06; 763*K=763*1.06=808.78 points. Moreover, each apartment declared by you may have a different cost, i.е. apartments on the 3rd floor, for example, at a price of 11,200 rubles. per square meter, and apartments on the 9th floor at a price of 11,000 rubles. per one square meter. In addition, in the “Protocol of Participation, Selection and Transfer of a Citizen’s Future Own Apartment to the Social Mortgage Agreement”, you can declare a shorter installment period than is provided to you in accordance with applicable law. In this case, the final cost of your future apartment will be less. Apartments in the "Protocol" are indicated as interest in them decreases (by priority), i.e. 100 apartment single entrance 10 storey building, You want to purchase a one-room apartment, there are 2 of them on each floor. Theoretically, you can indicate all 20 apartments in the "Protocol". For example, first of all, you would like to purchase apartment No. 22 on the third floor, secondly, apartment No. 24 on the third floor, then apartment No. 76 on the 8th floor, etc.

"Competition", the choice of apartments will take place automatically (by computer) on a certain day and time of the GZHF, taking into account all received "Protocols of participation, selection and transfer of a citizen's future own apartment to a social mortgage agreement", accumulated points and priorities. Each citizen participating in the "Competition" has the opportunity to verify the correctness and honesty of the choice.

Attention! Please report all cases of pressure on you by indicating the numbers of apartments, their declared value when filling out the "Protocol of participation, selection and transfer of a citizen's future own apartment to a social mortgage agreement" indicating the person who exerted pressure.

Information about which apartment was determined for whom by the result of the "Competition" can be found on the website www.kooperativrt.ru/ and representatives of the Consumer Cooperative "Building the Future".

After the results of the "Competition" are published (on the website and from representatives of the Building the Future PC the next day after the "Competition"), citizens must come to the place where the contract was drawn up and receive an "Apartment Selection Protocol" indicating the number of the apartment, its cost , redeemed square meters, installment period and payment schedule.

The social mortgage agreement and the “Protocol of participation, selection and transfer of a citizen’s future own apartment” to the social mortgage agreement, signed by the parties, are the basis for settling in and living in the selected apartment, in other words, with the agreement and protocol, you must go to the housing department or to the “key keeper” , demand the keys to the apartment and conclude an agreement for the provision of housing and communal services. Payment for housing and communal services arises from the date of the competition, so it is in your interests to receive the keys immediately after the "Competition" and notify the housing maintenance organizations. This is due to the fact that at the time of the competition, the apartments were put into operation, and the costs of its maintenance (heating, security) must be borne by future owners.

The Social Mortgage Agreement and the “Apartment Selection Protocol” give you all the rights related to residence, such as “propiska”, registration in medical institutions, connecting a telephone, receiving subsidies, subsidies and other rights.

Rights and obligations after settlement and how to become the owner of your home?

After settling into a new apartment, you bear all the obligations and enjoy all the rights of citizens living on the rights of "hiring", the future owner.

Your rights:

• receiving an apartment in the property after its full payment,
• full receipt of housing and communal services that are provided to the residents of your home,
• current repair work,
• registration at the place of residence of your family members,
• participation in the management of houses by proxy.

Your responsibilities:

• You cannot sell, exchange, donate, etc., etc. apartment until you get it in the property,
• You can not make redevelopment in the apartment without the permission of the relevant authorities and the State Zhif Fund under the President of the Republic of Tajikistan,
• You should not “register” non-members of your family to the apartment,
• You cannot assign the rights of claim under the Social Mortgage Agreement to a third party, without the permission of the State Housing Fund under the President of the Republic of Tajikistan,
• You must all the time using the apartment until you receive it as a property, keep it in a habitable condition and comply with sanitary and technical standards,
• You are obliged to make regular (monthly) payments under the Social Mortgage Agreement in accordance with the payment schedule that you will receive upon moving in (the payment schedule indicates the monthly cost per square meter and the timing of payments).

Attention! You can pay earlier and more than indicated in the payment schedule. In this case, the final cost of your apartment will be less, you will receive the apartment as a property earlier.

After you fully pay the cost of the apartment, Building the Future PC, by order of the GZHF, issues you an Act of reconciliation of payments and a certificate of full payment of the cost of the apartment. With these documents, as well as with the Social Mortgage Agreement, the “Protocol for choosing an apartment”, you can register ownership in the authorities State registration rights and obtain a Certificate of Ownership.

All. Congratulations! You not only lived all this time in a comfortable apartment with all conveniences, worked for the good of the Republic, raised children, but also became the full owner of your home.

I would like to note that when you lived in an apartment not as an owner, you did not pay property tax. Benefit for income tax you will receive by presenting tax authorities Certificate of ownership of the apartment, Social Mortgage agreement and all receipts for payment of its cost (please do not lose and keep the receipts). In addition, in the event of the birth of a child in your family, the cost of 18 (eighteen) square meters of housing is credited to you under the Social Mortgage Agreement, - two children– 36 (Thirty six) square meters will be counted. To do this, you must submit an application to the State Zhif Fund under the President of the Republic of Tajikistan for the birth of a child. In addition to all of the above, you can get advice from our representatives at any time.

A mortgage is a loan of money to buy real estate or plot of land at interest. The acquired property or land is pledged to the bank until the loan is repaid in full. In the event of a long delay, during the trial, the dwelling may be taken away.

Social mortgage in the Republic of Tatarstan

One of the varieties of mortgage lending is the program "Social Mortgage under the President of the Republic of Tatarstan", which has been operating in the territory of the Republic of Tatarstan since 2005. It was created to help citizens in dire need of housing. Assistance consists in providing more favorable conditions than under standard mortgage programs. When making social Mortgages in the Republic of Tajikistan, the borrower receives the following benefits:

1. The cost per square meter of housing below the market.
2. Low interest rate compared to those offered on general terms.
3. Writing off part of the debt at the birth of a child.
4. An agreement based on guarantees, for example, not to raise the interest rate.

Provided that a citizen fits the required parameters, he collects required package documents and get in line. When his turn comes, he will be notified, and he will be able to draw up a contract for a social mortgage. You can follow the progress of your queue on the website of the state. RT services.

Such programs come to the regions after a successful launch in the center of Russia, which means that the "social mortgage" program has been sufficiently tested and works well.

The following banks participate in this program:

• Sberbank;
• "AK Bars".

Who can apply for a social mortgage

A person who wants to take an apartment on a social mortgage in Kazan for state employees must meet the following conditions:

1. Citizen of the Russian Federation with permanent registration in the territory of the Republic of Tatarstan.
2. Public sector worker.
3. An income level that guarantees the ability to pay mortgage payments on time.
4. All able-bodied family members must be employed.
5. No more than 18 sq. m. of housing per one member of his family or recognition of housing as dilapidated or uninhabitable.

Family members are the parents, children and spouse of the applicant, if they live and are registered with him.

In addition to working in budget organization, there is another way to get a social mortgage in Kazan. This program can be used by employees of organizations that financed the social mortgage lending program. You can find out about this in the accounting department of your employer. In this case, the requirement that no more than 18 sq. m. housing is missing.

On the territory of the Republic of Tatarstan there are other programs for obtaining preferential mortgage: for young families and for young teachers.

Young family

Many people equate a social mortgage with a mortgage for young families, but this is a slightly different program that has been operating since 1997 and is called “Providing Housing for Young Families”. It is designed to support young families in their efforts to purchase an apartment. It is issued for the purchase of housing in the Republic of Tatarstan under the following conditions:

• an official marriage concluded no earlier than 3 years ago, but if there is a child, the prescription of the marriage does not matter;
• the age of at least one of the spouses does not exceed 35 years at the beginning of the year;
• both have permanent registration in the Republic of Tajikistan;
• each of them accounts for no more than 12 square meters. m. of housing.

The main advantage of such a program is a subsidy of 30% of the cost of housing, which increases by 5% for families with minor children. The conditions are slightly different from the conditions of a social mortgage in Kazan.

It is necessary to collect documents for both spouses, since under this program they participate in the loan in equal shares. But a family of only one parent and at least one child can participate.

Young teachers

The Young Teachers program has been created to support teachers. To participate in it, you must meet the following criteria:

• age not more than 35 years;
• work as a teacher in the state educational institution at least 3 years;
• ability to pay dues.

A young teacher may receive a subsidy for making a down payment. The contribution is determined by the value of the apartment and is up to 40% of its value.

How does having a baby help pay off debt?

If, after the family has registered housing in a social mortgage, a child is born to her, then she receives 200 thousand rubles. to pay off debt.

If a second child is born in the family, then, according to the laws of the Republic of Tatarstan, you can get maternal capital, which can be directed to For 2017, this capital is a little more than 450 thousand rubles.

If a mortgage is taken under the Affordable Housing for a Young Family program, then the family receives state support to pay off the mortgage in an amount equivalent to the cost of 18 sq. m. m., in their apartment. The amount cannot exceed the balance of the debt and 1.5 thousand minimum wages.

What properties can be purchased under this program

But you can not take any apartment, but only an apartment in houses that are designed specifically for this program. A meter of housing in such apartments is below the market, which adds to the benefits.

Social mortgage houses in Kazan, or so-called social houses, have been built or are still being built in the aircraft building, Kirov, Volga, Vakhitovsky and Soviet regions. by the most large object is considered to be the residential complex "Salavat Kupere", which is actively being built in the Kirovsky district.

Special residential complex

In the ecological zone, near the village of Zalesny, there are 2 residential complex. These are LCD "Raduzhny" and LCD "Salavat Kupere". If the first one is being built for commercial sale, then the second one is specifically for solving housing problems for the needy population.

It is planned to build up more than 350 hectares with houses of the Salavat Kupere residential complex and settle about 40 thousand people in it. Since there are many houses that are divided into quarters, there are also a lot of contractors. In connection with the construction, there were several scandals related to the postponement of the deadlines and the increase in the price per square meter. m. As the developers explained, it was a matter of difficulties with financing the State Housing Fund. But in 2017, things moved forward thanks to the attention of the President of the Republic of Tatarstan. And until mid-September 2017, the authorities plan to hand over 15 houses in 10-13 blocks. The President of the Republic of Tatarstan believes that there are all resources for this. How realistic these plans are can be judged by the fact that in the 10th quarter the houses are almost ready for occupancy. It is planned to start building a school for more than 1,000 children.

Terms of receipt

For each of the voiced programs they are different.

When obtaining a social mortgage in Kazan, the conditions are as follows:

• down payment of at least 10 and not more than 30%;
• maximum term 28 years;
• rate of 7% per annum.

When obtaining a mortgage under the "Young Family" program:

• initial payment of at least 10%;
• the interest rate depends on the bank, on average 11% per annum;
• maximum period of 20 years.

Upon receipt of the program "Young teachers":

• initial payment from 10%;
• rate from 8.5%;
• maximum term 30 years;
• the cost of housing is not more than 11 million rubles.

What documents need to be collected

For those who want to get an apartment under the "Social Mortgage in Kazan" program, the following documents must be collected:

• passports of all family members;
• if citizenship was obtained after 1991, then a certificate from the Federal Migration Service is required;
• for those who served military ID;
• if there are minor children, copies of all birth certificates;
• a copy of the insurance certificate;
• diplomas of education;
• in case of marriage or divorce, a certificate of marriage or divorce is required;
• a copy of work books certified from the place of work;
• certificates from the work of all family members, indicating the date of employment and positions;
• certificates from educational or educational institutions for minors and students;
• certificate of income from the place of work in the form of 2 personal income tax for the last 2 years;
• certificates of any family income: allowances, scholarships, alimony, etc.;
• certificates from the tax and timely filing of the declaration and payment of taxes.

Documents must be collected for each family member who participates in the program. Further, to confirm the housing conditions, the following documents are required for the apartment in which the family lives:

• ownership document;
• extract from the house book indicating all family members;
• those. passport from BTI;
• certificate of the absence of transactions and alienation processes related to the apartment and its shares;
• financial personal account indicating the footage;
• if the housing is recognized as emergency, then an act confirming this fact is required;
• for those who participate in the program as an employee of an enterprise that has contributed to the development of the program, the permission of the employer in writing is required.

Information on the apartment is needed since 1991, all certificates are valid for 1 month.

Receiving algorithm

All documents must be copied. If the applicant submits an application through the electronic services of the Republic of Tajikistan, then he must fill out an application electronically on the website and attach scans of all the above documents. Consideration of an electronic application takes 10 business days. After consideration, the status will appear, if the status “meets the established requirements”, then the originals and photocopies must be taken personally to the administration of the district of Kazan at the place of its registration.

If the applicant is an employee commercial organization, which made a contribution to the program, then he takes the package of documents to the housing commission at the place of work.

If the applicant plans to apply in person to the district administration, then after collecting the documents, he must fill out the following documents according to the samples:

• the application is written according to the model addressed to the head of local self-government bodies;
• questionnaire.

After providing a package of documents and confirming their authenticity and compliance, the applicant is officially considered to be in need of better housing conditions and becomes in line. This is followed by the work of several instances and the transfer of the case to various instances. You can follow the progress of the case at personal account on the website of the state RT services.

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". On phone calls readers were answered by the Executive Director of the State Housing Fund (GZHF) under the President of the Republic of Tatarstan Talgat Abdullin. 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:

- ElAZ employees are interested in at what minimum and maximum amount income per family member is 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.

With regard to property, its presence is not necessary, since the subject of pledge is itself mortgage apartment. 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". There will be high quotas for prestigious houses ( high level down payment), for simpler houses or uncomfortable floors - and the contributions are 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 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:

- I'll be leaving soon. 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) is 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 agreements? 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 CEO"Kazanorgsintez" to register you. 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:

- IN two-room apartment Six people are registered, including myself. 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.

- This is good. But the cost of square meters is constantly growing. Will it affect repayment mortgage loan?

- No. 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. 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 regard. 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 communal apartment. I wanted to enter the social mortgage lending program, 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.