A lot has been said and written about social mortgages. Probably every Tatarstan resident knows that this is a way to provide housing in installments at seven percent per annum with a payment period of up to 28 and a half years. Let us remind you that mortgaged apartments are distributed in this way: 45 percent - to state employees, the same amount - to employees industrial enterprises participating in the financing of the social mortgage lending program, the remaining ten percent goes 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 mortgages, the more more questions it causes among the population. What we were convinced of during the “direct communication” that took place in the editorial offices of the newspapers “Respublika Tatarstan” and “Vatanym Tatarstan”. The executive director of the State Housing Fund (SHF) under the President of the Republic of Tatarstan, Talgat Abdullin, answered phone calls from readers. We received so many questions that we are forced to publish answers to only some of them.
Nikolay Galkin, 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 Is the income per family member registered for a social mortgage? And is it necessary for a person to have real estate or movable property to participate in the program?
“The minimum and maximum are determined by the amount that needs to be paid for the apartment, depending on its cost and the installment period,” answers Talgat Midkhatovich. - Should do right choice, and not try to choose a more luxurious and larger home if you do not have sufficient funds to pay for it. In my opinion, with an average per capita family income of four and a half thousand rubles a month, you can already rent an apartment in installments. There is no upper ceiling. I don’t think that a person with a large income will turn to a social mortgage. He will be able to buy himself any apartment anyway.
As for property, its presence is not necessary, since the mortgaged apartment itself is the subject of collateral. Until the citizen pays for it in accordance with the contract, he will live in it for hire. And if he does not fulfill his contractual obligations, he will get into trouble. Except for 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.
Zainur Malikov from Mamadyshsky district asks:
— Is it true that rural residents can also purchase housing using a social mortgage, only on different terms than city residents? Our administration could not give me a sensible answer. Perhaps they simply do not have the information. Or is there no such thing as a “rural” mortgage?
- There is, you can be sure. It was decided that the housing fund will allocate cash to those villagers who have already begun to build houses for themselves and are incurring certain costs. So that they can continue and complete construction, we will provide them with loans through banks, also at seven percent. Large amounts of funds 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 get a mortgage at a rate of not eighteen, but 21.2 “square meters” per person.
During the “direct communication” questions were often asked: what is the amount of the down payment, can it be paid using an existing apartment? And up to what age can a person take part in a social mortgage?
- Before retirement age. And the amount of the down payment will depend on your capabilities and when you want to get an apartment. After registering and concluding an agreement with the housing stock, paying the first thousand rubles, you will already have the right to take part in choosing an apartment. Those who score more points or, more simply put, deposit more money, will be the first to receive housing. The smaller the contribution, the longer the path to “hour X”. There will be high quotas for prestigious houses ( high level down payment), for houses that are simpler or have inconvenient floors - and the contributions are lower. An old apartment can also serve as a down payment. We can enter into an agreement to purchase it, but the family will live in it until they receive new housing.
— Are there any benefits for those who served in Chechnya and 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, war veterans, may be provided with independent subsidies and subventions from the budget (federal, republican or local). And they can be used to pay for the apartment. But the issue of receiving subsidies is not related to the issue of providing housing. It's just up to the recipient and local authorities authorities - how to manage money. In this regard, you should contact your local administration.
On the line - Irina Nikolaeva from Kazan:
- I'm a state employee. My husband, son and I are registered in a three-room non-privatized apartment - in a Khrushchev building. We have less than eighteen square meters per family member. But I own a one-room small family home, where my mother used to live, who recently died. Can I count on participating in a social mortgage in such a situation?
— Calculations are made based on the total housing stock that you have. To do this, we take an extract from the state register. And if there are more than eighteen square meters per person, the answer is negative. IN 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 out a bank loan, mortgaging both apartments, and buy a new one. Having sold your old home, pay off the bank and pay the remaining interest.
U Tatiana Panarina another problem:
- I'll be leaving soon. maternity leave to work in a private enterprise. Previously, our family stood in line for an apartment. At one time, it was said from high stands 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 public sector employees, employees of enterprises financing 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 won’t be able to afford a classic mortgage.
— Today, most enterprises are private. The same joint stock companies(“Tatneft”, “Kazanorgsintez” and many others) is also private capital. Let your company take part in financing the program, and we will solve the problem together.
“Our leadership is unlikely to agree to this.” Is it possible to publish lists of companies with which you have entered into mortgage agreements? I am sure that in order to solve the “housing issue” many would want to get a job there.
“And I advise you to do the same.” The fund has full list such organizations, we keep cumulative records of who paid how much. So we will provide this information.
Yarullin family he 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 general director"Kazanorgsintez" so that you can be registered. And in accordance with the law, management cannot refuse you this. After registration, the list of mortgage applicants is sent to the State Housing Fund. And we give everyone the opportunity to choose the appropriate apartments. About twenty employees of your company will receive housing this year.
- But the managers themselves decide who to register. 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 - regardless of how much square footage they have, even more than eighteen square meters per person. But if you have less than eighteen, you must turn it on.
Nail Ziyatdinov from Buinsk worries about her children:
— My daughter works as 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 a social mortgage?
— There are no problems, unless, of course, the area of the housing stock they have in Buinsk does not exceed the standard.
Many participants in the “direct communication” were interested in why social mortgage contracts are carried out through the “Building the Future” fund cooperative?
— The fact is that housing is provided not on the basis of ownership, but by rent. And there is a need to manage it. From a legal point of view, this should be done by the State Housing Fund of the Republic of Tajikistan. We do not want to hand over the housing we have built to the management of utility companies. Therefore, it was legislatively established that the right to manage the future housing stock is granted to the participants of the mortgage program themselves, united in a cooperative.
— What is the down payment required or what deposit should I 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 State Housing Fund, and the fund is responsible for it.
U Askhat Gataullina from Kazan this question:
— Six people are registered in a two-room apartment, including me. But my wife and I divorced. And although I now live with my parents, I have not left my previous 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 this affect my mortgage repayment?
- No. You will pay for housing at the starting price, that is, at the price that was 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, but in the capital they still do not even accept applications for participation in the program.
— In accordance with the agreement on the division of powers and interaction between government bodies and municipalities, the registration function lies with the municipalities. Therefore, this question 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 regional administrations of Kazan, when refusing registration, they motivate this by the fact that they will soon start earning their own, Kazan mortgage...
“I would only be glad if our capital could resolve this issue on its own.” We would have done a lot more then. But... This year we had six hundred million rubles available for the implementation of social mortgages in Kazan. Unfortunately, the city did not conclude an agreement on cooperation and did not provide land plots. As a result, no housing is built. And if you purchase it ready-made, the price of the apartments will be very high.
Today in the republic, 5,150 families are registered with social mortgages, of which 183 are in Kazan. 1285 agreements were concluded (86 in the capital of the republic). 480 families of Tatarstan residents improved their living conditions, including 49 from Kazan. Moreover, all figures for Kazan refer only to employees of industrial enterprises making payments to the State Housing Fund. In total, this year it is planned to provide apartments to 6,081 families, for which 365 thousand square meters of housing will be built, and next year 7,500 families (450 thousand “square meters”) should improve their living conditions.
Things are also not going well in Aksubaev, Agryz, Atna, Baltasy, Drozhzhany, Elabuga, Kama Ustye, Rybnaya Sloboda, Sarmanovo. But here the problem lies only in technical errors made by local administrations in preparing lists of mortgage participants. There are about five thousand such families. You just need to finalize the documentation.
Residents of Naberezhnye Chelny are worried 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 I came to Kazan from another city and bought a room in a communal apartment here. I wanted to enter the social mortgage lending program, but did not find mutual understanding with officials of the Novo-Savinovsky district (by the way, the administration of this district received the largest number of complaints).
— I’ve been working for two and a half years government agency, says Inna Nikitina. — I came to the administration of the Novo-Savinovsky district to get 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 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 resident. What should I do in this situation?
— File a lawsuit against 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 as to why you were denied registration. If you are not satisfied with the answer, appeal the actions of local authorities in court.
Call from Nizhnekamsk. Madina Ayatskova expresses doubt:
— It often happens in our country that they adopt a program, begin to implement it, and then make all sorts of changes. Social mortgages are very attractive to the population. Are there any plans to make changes to its terms? If yes, which ones?
— If any adjustments are made, it is exclusively for the benefit of citizens. For example, the program initially provided: upon the birth of a child to a young family participating in a social mortgage, they are provided with loan compensation 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 the interest rate on the loan will be reduced in the future.
— How much will the interest rate decrease?
— It largely depends on the decisions that will be made federal center. Russian President Vladimir Putin instructed the relevant structures to make the mortgage system accessible, and also to resolve the issue of compensation for bank interest from the federal budget.
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 shining example efficient work state on issues of providing housing to socially vulnerable segments of the population. Let’s take a closer look at 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 relocating 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 special feature of the program is that mortgages are provided not only to those who have been queuing 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 stay(less than 18 sq. m. per person);
- disabled people and families with disabled children;
- employees of military-industrial complex enterprises;
- employees of commercial enterprises that invested in housing construction to implement the social mortgage program (for example, Tatenergo, Tatneft companies).
In general, the essence of a social mortgage is the conclusion of an agreement between a potential borrower and the State Housing Fund of Tatarstan, under which the former undertakes to make monthly contributions to the fund, thereby simply saving 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 wages). Then, with these savings it will be possible to pay part of the cost of the purchased housing, and the remaining part will be received in the form of a mortgage loan with a preferential interest rate.
The standard terms of a social mortgage are as follows:
- down payment – 10 – 30% of the cost of housing;
- repayment period – up to 30 years;
- interest rate – 7% per year (fixed).
The offered lending conditions are clearly more favorable than those available on the regular mortgage market. It is unlikely that you will be able to find a rate below 7% per annum.
Where do they give apartments?
You can purchase an apartment with the help of a social mortgage not in any building, but only in housing specially built for this purpose. Modern and attractive housing complexes are now being built. The largest is the Salavat Kupere residential complex, which is still under construction today.
All program participants are on a waiting list for apartments under construction. As soon as the apartment building is completed, citizens are given the opportunity to obtain a mortgage. In this case, each participant is assigned a rating, which depends on the waiting period and the amount of payments made by him. The higher these indicators, the higher the rating.
The distribution of apartments occurs subject to the following steps:
- information on the availability of vacant properties is posted on the official website of the housing stock;
- the participant submits a purchase application;
- priority is given to the person whose rating is 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 Tatarstan.
Documentation
Participants in the social mortgage program in Kazan who are eligible to receive housing on preferential terms will be required to provide the following set of documents:
- Identity documents for each family member.
- TIN certificate.
- SNILS.
- Military ID for men liable for military service.
- Copies of children's birth certificates (if available).
- Certificate of marriage/divorce.
- A copy of a diploma or other educational document.
- Documents confirming income and employment.
- Application form.
- Documents confirming certain living conditions (certificate of ownership, extract from the house register, technical passport of the BTI, certificate of recognition of housing as unsafe, etc.).
This kit is standard, but the applicant may be asked to provide some additional documents.
How and where to apply
The initial authority that a person who has decided to apply for a social mortgage should contact is the authority local administration. This is where you can get full information about the conditions for issuing a loan, obtaining an apartment and will make preliminary calculations. After receiving preliminary clarifications and consultation on what documents need to be collected.
After this, the client submits an application to the State Housing Fund, which is reviewed by the City Commission on Public Housing. The decision she makes will determine whether a particular person will be able to participate in the preferential lending program.
Nuances
Socipotec in Kazan has some nuances. Among them:
- The need to pay for the rental of that part of the property for which the accumulated savings were not enough.
This refers to a situation where, for example, a family was able to save 40% of the cost of an apartment, then in addition to monthly payments on the mortgage loan, it will have to pay rent for the remaining 60% of the price. Usually such a fee is relatively small.
- Prohibition on dismissal from the employer for 10 years.
basis presidential mortgage is the availability of preferential conditions that are guaranteed by the state. One of these conditions in any mortgage is a low interest rate.
The Presidential Mortgage Program is characterized by the lowest percentage – 5.5%. The difference between the preferential mortgage rate and the Central Bank rate will be reimbursed by the state to those banks that participate in the presidential program.
Preferential loans will not be provided to everyone, only to individuals who are socially vulnerable. These include young families, public sector employees, as well as families with more than three children.
Preferential loans are provided from 350 thousand rubles to 3 million rubles.
The duration of the loan is determined from 1 year to 30 years.
Conditions for obtaining a presidential mortgage
A presidential mortgage, subject to favorable conditions, puts forward a number of requirements both for housing and for the borrower himself.
Housing requirements
- Purchase is possible only from a legal entity.
- Housing can be purchased exclusively in economy class.
- It should be in a new building.
- Housing may be commissioned or under construction.
Thus, the state supports not only the population, but also the development of the construction industry. To issue a loan, it is necessary to conduct an independent appraisal of the property.
Requirements for the borrower
A fairly large list of requirements has been created for the recipient of a preferential loan:
- Belonging to a socially disadvantaged group. You must document your status.
- Age restrictions. At the time of receiving a mortgage, the borrower must be over 21 years old, and at the time of the last payment his age cannot exceed 75 years.
- An initial fee. The minimum contribution amount is determined at 20%.
Important: If the primary payment is less than 30%, then the upper age limit of the borrower is limited to 65 years.
- Insurance. A condition for obtaining a presidential mortgage is life insurance of the loan recipient. After registering ownership of a home, it is also required to take out insurance for the property. The amount of insurance coverage is set at 100%. If you refuse to take out insurance, the interest rate increases. So at Koshelev-Bank the loan interest rate increases by 6 points.
- Registration. The recipient of the presidential mortgage must be registered near the bank's location. Moreover, the duration of registration cannot be less than a year.
- Job. One more an important condition provision of a preferential loan is the presence of a permanent job. Moreover, the length of service at the last place of work cannot be less than six months. The level of salary received is considered by the bank from the point of view of sufficiency for loan payments.
Important: The borrower must have a good credit history.
Surety
In order to provide a sufficiently large amount to the mortgage recipient, the bank may require a guarantee. The following requirements are put forward to guarantors:
- age over 25 years;
- having a permanent job;
- the existence of family ties with the borrower is welcome;
- availability of property.
Pledge
It is issued for property rights under an equity participation agreement or for the property being purchased.
An initial fee
The contribution amount varies from 20%. The higher it is, the lower the rate provided. Only with a 70% contribution will the minimum rate be 5.5%. It is very problematic for socially vulnerable families to accumulate such an amount of initial contribution. But the loan is provided only upon payment of the installment.
Interest rate
Its amount depends on the down payment, the age of the borrower and the loan term: from 5.5% to 11.5%. Moreover, its size can increase noticeably if you refuse insurance up to 10.5% and if you do not provide information about earnings up to 9.0%.
Loan terms
The minimum period is 1 year, the maximum is 30 years.
Documents for registration
To apply for any loan you need a certain set of documents:
- application form for a mortgage;
- passport;
- military ID, if available;
- employment history;
- personal income tax certificate 2;
- a document confirming social vulnerability: for a large family - birth certificates of children, for a young family - a marriage certificate and passport, for public sector employees - a certificate of request from the place of work.
The last document distinguishes this list from the list of documentation that is provided for ordinary mortgages, since the presidential one is issued only to socially vulnerable groups.
To provide the opportunity to purchase your own home, the state has developed a mortgage lending program at minimum interest rates. To obtain it on more favorable terms, it is necessary to consider all additional requirements of the bank. The advantage of a presidential mortgage is its low rate.
Also, the amount of income does not affect the interest on the loan. The main disadvantage of this loan is the increase in interest rate if you refuse to take out insurance, and the large dependence of the interest rate on the down payment.
Kazan
Aircraft Manufacturing District
- 123 apartment residential building with non-residential premises on Aidarova Street, Kazan
Kirovsky district
- 123 apartment residential building with non-residential premises on Gorkovskoye Shosse street, Kazan
- Residential building No. 7-2 in the 7th block in the residential area "Salavat Kuper" Kazan
- Residential building No. 7-3 in the 7th block in the residential area "Salavat Kuper" Kazan
- Residential building No. 8-1 in the 8th block in the residential area "Salavat Kuper" Kazan
- Residential building No. 8-2 in the 8th quarter in the residential area "Salavat Kuper" Kazan
- Residential building No. 8-3 in the 8th quarter in the residential area "Salavat Kuper" Kazan
- Residential building No. 8-4 in the 8th quarter in the residential area "Salavat Kuper" Kazan
- Residential building No. 8-5 in the 8th quarter in the residential area "Salavat Kuper" Kazan
- Residential building No. 8-6 in the 8th quarter in the residential area "Salavat Kuper" Kazan
- Residential building No. 8-7 in the 8th quarter in the residential area "Salavat Kuper" Kazan
- Residential building No. 8-8 in the 8th quarter in the residential area "Salavat Kuper" Kazan
- Residential buildings No. 10-1, 10-2, 10-3, 10-4, 10-5, 10-6, 10-7 in the 10th quarter in the residential area "Salavat Kupere" Kazan
- Residential buildings No. 11-1, 11-2, 11-3, 11-4, 11-5 in the 11th quarter in the residential area "Salavat Kupere", Kazan
- Residential buildings No. 12-1, 12-2, 12-3, 12-4, 12-5 in the 12th quarter in the residential area "Salavat Kupere", Kazan
- Residential buildings No. 13-1, 13-2, 13-3, 13-4, 13-5 in the 13th quarter in the residential area "Salavat Kupere", Kazan
Privolzhsky district
Vakhitovsky district
Sovetsky district
Bavlinsky district
Buinsky district
Vysokogorsky district
Elabuga district
Zelenodolsk district
Kukmorsky district
Laishevsky district
Leninogorsk district
Naberezhnye Chelny
Nizhnekamsk district
Cheremshansky district
Chistopolsky district
www.gilfondrt.ru
Registration in the housing rental information system
Public offer
Offer agreement for participation in the selection of residential premises for the purpose of concluding a rental agreement for residential premises under quota category 6.19 “Rent by choice” individuals" 1. General provisions 1.1. NGO “State Housing Fund under the President of the Republic of Tatarstan” (hereinafter referred to as the “Fund”) publishes this offer on the Citizen’s participation in choosing residential premises for the purpose of concluding a rental agreement on residential premises on the official website of the Fund. 1.2. In accordance with Article 435 of the Civil Code Russian Federation(Civil Code of the Russian Federation) this document is an offer, and if the conditions set out below are accepted, the citizen who accepts this offer selects residential premises, pays a deposit, fees for accommodation and enters into a rental agreement for residential premises with the Fund in accordance with the conditions set out therein . The text of the residential rental agreement is published on the official website of the Fund. The citizen, by accepting this offer, has read and agrees with all its terms, understanding their meaning and consequences. 1.3. We invite you to carefully read the text of the offer, and if you do not agree with any point of the offer, you are asked to refuse to select a residential premises, pay a deposit, pay rent for the first month of living in the selected residential premises and conclude a rental agreement for residential premises. 1.4. In this offer, unless the context requires otherwise, the following terms have the following meanings: “Offer” - an offer from the Fund addressed to a Citizen to conclude an offer agreement with him on participation in the selection of residential premises for the purpose of concluding a rental agreement for residential premises (hereinafter referred to as the “Offer Agreement ") on existing conditions contained in the Offer Agreement, including all its annexes. “Acceptance” is the full and unconditional acceptance by the Citizen of the terms of the Offer Agreement. “Citizen” is an individual who has entered into an Offer Agreement with the Fund within the category. “Category” - assignment of a Citizen to quota category 6.19 “Rent at the option of individuals”; “Quota” is a limit established for each category in the context of organizations and enterprises. “Free market” - residential premises sold for quota category 6.19 “Rent by choice by individuals.” “Selection of residential premises” (“Selection”) is a procedure carried out by the Foundation that allows a Citizen, on the basis of an “Application”, to select a “Residential Premises”. “Application” is the procedure for “Selection” by a Citizen of “Residential Premises” on the Foundation’s website. “Residential premises” - residential premises chosen by the Citizen and approved by the Foundation as a result of the “Summary of the selection”. “Summing up the results of the choice” - approval by the Foundation of the results of the choice of residential premises by the Citizen. “Residential rental agreement” is an agreement according to which the Fund provides the Citizen and his family members for a fee with the right to temporary possession and use of “Residential premises” in accordance with the period established by the agreement. “Deposit” - funds that a Citizen must deposit to the Fund’s current account in order to confirm his participation in the selection of residential premises and the intention to enter into a rental agreement for residential premises, the amount of which must be at least the monthly payment for living in the selected residential premises and is indicated in the personal in the Citizen’s office on the Foundation’s website when placing an application to select residential premises. “Accommodation fee” - funds deposited by the Citizen to the Fund’s current account in the form of an advance payment for the first month of residence in the selected residential premises, the amount of which is indicated in the Citizen’s personal account on the Fund’s website when placing an application for choosing a residential premises. “Foundation website” - www.kooperativrt.ru. “Unique code number” is the registration file number assigned by the Foundation to a Citizen after completing registration procedures on the Foundation’s website and accreditation. “Step” is an increase by the Citizen in the amount of payment for accommodation in order to conclude a rental agreement with him for the desired residential premises. The minimum “step” is 3% of the amount of payment for accommodation indicated in the citizen’s personal account on the Foundation’s website when placing an application for choosing residential premises. 2. Subject of the agreement 2.1. The Fund provides the Citizen with the right to choose residential premises on its website on a competitive basis by increasing the fee for the use of residential premises, taking into account the minimum step, and the Citizen makes a deposit, payment for accommodation in the amount determined by the Citizen himself, taking into account the minimum step, but not less than the size, indicated in the personal account when choosing residential premises, selects residential premises by placing an application, based on the results of the selection and after approval of the results of the selection, enters into a rental agreement for residential premises. 2.3. After the Citizen concludes a residential rental agreement with the Fund, the funds paid under this Offer Agreement as a deposit and payment for accommodation are counted as a deposit and payment for accommodation in accordance with clause 4.1. and 5.1. residential rental agreements. 2.4. Within 3 (three) calendar days from the date of conclusion of the residential rental agreement, the citizen is obliged to conclude an agreement with the operating organization for the provision of housing and communal services and make timely payments for it. 3. Rights and obligations of the parties 3.1. The Foundation is obliged: 3.1.1. Provide the Citizen with the right to choose residential premises on a competitive basis in accordance with the established quota category, if there are quotas for the Citizen category and residential premises on the free market. 3.1.2. Summarize the results of the choice daily when the Citizen fulfills clause 3.2.2 of this Offer Agreement and accepts its terms. When summing up the results, the winner is the Citizen who has paid the maximum amount of the deposit and payment for accommodation, but not less than the amount indicated in his personal account when choosing a residential premises. 3.1.3. When summing up the results of the choice and subject to the receipt of a deposit and payment for accommodation in the Fund's current account, conclude a rental agreement with the Citizen for the selected residential premises. 3.2. A citizen is obliged to: 3.2.1. Place an application for choosing residential premises on the Foundation’s website. 3.2.2. Deposit into the Fund's current account the amount of the deposit and payment for accommodation, in the amount determined by the Citizen himself, but not less than the amount of the deposit and payment for accommodation indicated in the personal account when choosing a residential premises, according to the following details: NGO "GZhF under the President of the Republic of Tajikistan" PJSC "Ak Bars" Bank of Kazan BIK 049205805 Account 40603810300029001572 Account 30101810000000000805 INN 1655065113 KPP 165501001 Purpose of payment: “Unique code number.” 3.2.3. Payment for accommodation in residential premises under a residential rental agreement is determined as 1/3 of the paid amount in accordance with clause 3.2.2. 3.2.4. Conclude a rental agreement with the Fund for residential premises within 3 (three) working days from the date of summing up the selection results, provided that the deposit and payment for accommodation are received in the Fund's account. 3.2.5. Replenish the amount of the deposit and accommodation fees in the amount equal to the amount deposit and payment for accommodation, converted into the property of the Fund in accordance with clause 3.3.2. before the date of conclusion of the residential lease agreement. 3.3. The Foundation has the right: 3.3.1. Cancel the results of the selection in the event of failure by the Citizen to fulfill any obligation provided for in this Agreement. 3.3.2. If the Citizen fails to comply with clause 3.2.4 of this Agreement, the Fund has the right to transfer to its property a part of the deposit amount corresponding to the amount of payment for accommodation of the selected residential premises for each day from the moment of summing up the selection until the moment the Citizen fulfills the obligation provided for in clause 3.2. 4 of this Agreement. If a case occurs when the amount of the deposit is completely converted into the property of the Fund, the Fund has the right to convert into its ownership a part of the payment for accommodation, corresponding to the amount of payment for accommodation of the selected residential premises for each day from the moment of summing up the selection, taking into account clause 3.2.2. actual agreement. 3.3.3. In the event that the Fund takes over the deposit and payment for accommodation in full before the Citizen fulfills the obligation provided for in clause 3.2.4 of this Agreement and does not make up these payments in accordance with clause 3.2.4 of this Agreement, the Fund has the right to cancel the choice of residential premises and refuse A citizen entering into a residential lease agreement. 3.4. A citizen has the right: 3.4.1. Select residential premises in accordance with the established category of Citizen and within quotas. 3.4.2. If the conditions of clause 3.3.1 occur. and clause 3.3.3. select another residential premises and conclude a rental agreement for residential premises in the manner prescribed by this Agreement. 3.4.3. Refuse to choose residential premises, conclude a rental agreement for residential premises and receive a refund of the deposit and payment for accommodation, minus the amounts converted into the property of the Fund in accordance with clause 3.3.2 of this Agreement. 3.5. A citizen does not have the right to demand from the Fund payment of interest on the amount of the deposit and payment for accommodation, or part thereof, to be returned, if the conditions of clause 3.4.3 of this Agreement occur. 4. Final provisions 4.1. By registering on the site, accepting this offer agreement, the Citizen gives the Fund his consent to the processing of his personal data and his address Email in any way not prohibited by law, in order to fulfill this Offer Agreement and the concluded rental agreement for residential premises. 4.2. This offer agreement comes into force from the moment it is accepted by the Citizen and terminates in the cases provided for herein, as well as when the Citizen concludes a rental agreement with the Fund for the selected residential premises.
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Processing of personal data
In accordance with Federal law dated July 27, 2006 No. 152-FZ “On Personal Data” I confirm my consent to the processing of my personal data by the non-profit organization “State Housing Fund under the President of the Republic of Tatarstan”.
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Fund structure | State Housing Fund under the President of the Republic of Tatarstan
Structure of the Fund
- Directorate
- Department for organizing the collection and control of receipt of targeted funds
- Office of Public Relations and Organizations
- Department of registration and control of the consolidated list of families
- Financial department
- Planning department
- Department of Territorial Development and Preparation of Project Documentation
- Department for preparation of project documentation
- Department of Engineering Communications and Material Resources
- Department for preparation of engineering networks
- Department for control over provision of material resources
- Department of Territorial Plans and Land Use
- Work Acceptance and Financing Department
- Department of acceptance and financing of contract works
- Department of Arbitration and Legal Disputes
- Department of Civil Disputes
- Department for collecting payments for housing programs
- Department of Operation of Residential and Non-Residential Funds
- Department for organizing the operation of facilities
- Rental house accommodation department
- Property management
- Department for organizing housing sales according to programs
- Real estate department
- Control accounting and reporting
- Department of accounting and control of funds receipt
- Cost accounting and control department
- Department of accounting and control of real estate transactions
- Case management
- Information Policy Group
- Human Resources Department
- Office
- Secretariat
- Archive
- Economic management
- Group software
- Database Administration and Technical Support Group
- Department of Analysis and Economic Modeling
- Interregional representative offices:
- Kazan interregional representative office
- Nizhnekamsk interregional representative office
- Naberezhnye-Chelny interregional representative office
- Almetyevsk interregional representative office
- Arsk interregional representative office
- Buinsk interregional representative office
- Chistopol interregional representative office
The Government of the Republic of Tatarstan (RT) has developed special program to provide citizens of this constituent entity of the Russian Federation with housing. It is called “personal page under the President of the Republic of Tatarstan.” About its features we'll talk below.
Social mortgage in the Republic of Tatarstan
This subject of the Russian Federation also participates in state program Russian Federation Socipotecs (,). The Government of the Republic of Tajikistan developed and adopted its own project, which differs significantly from the all-Russian program.
Financial resources for the implementation of this project come from the federal budget, and are also allocated from the republic’s own funds.
Its implementation is personally controlled by the President and his staff.
Social mortgage under the President of Tatarstan has the following differences from similar programs in other regions:
- the annual mortgage interest is set at 7%;
- applicants must live and work in Tatarstan for a certain period of time;
- square meters are provided only in state housing stock (primary market real estate).
Conditions for participation in the program
The social mortgage of Tatarstan provides for two options for participation, as well as the condition for providing a loan from the regional budget.
Preferential housing can be obtained by young and socially vulnerable families who, in accordance with the established procedure, are recognized as needing improvement living conditions and do not have their own real estate. The distribution of housing in this case occurs on the basis of a waiting list.
Employees of various budgetary institutions and law enforcement agencies that have worked in the republic for a certain time and do not have their own residential square meters. The distribution of housing in this situation occurs on the basis of a competition.
Features of mortgage payment
The social mortgage under the President of the Republic of Tajikistan has some differences from other projects, since citizens are offered a special payment mechanism.
First of all, it is necessary to note that all issues of cost and repayment of loan obligations are handled by a specially created entity NO “GZhF under the President of the Republic of Tatarstan”.
According to the explanations given officials to this organization, the down payment and subsequent payments are made depending on the price per square meter, as well as the term for which the mortgage is issued.
The cost of residential square meters in 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 down 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 raising two or more children - 35-40%) or with maternity capital (so-called assistance for the birth of children).
NO "GZhF under the President of the Republic of Tajikistan" provides grace periods for interest payments (no more than 6 months). They can be used throughout the entire loan term.
You need to remember that a mortgage loan in the Republic of Tatarstan is provided for a period not exceeding 28.5 years.
Help with the birth of children
The social mortgage developed by the State Housing Fund provides for the use social assistance at the birth of children to pay the down payment for the apartment, interest, and other obligatory payments.
In 2019, in the republic, upon the birth of children in young families, payments will be made provided for by the all-Russian program to support young mothers and fathers ( maternal capital), as well as a regional project.
Provides for the following presidential and municipal payments:
- 30% financial compensation to pay for housing and communal services (for example, they are also provided to low-income people);
- a one-time financial payment at the birth of a baby (regardless of the number of children) in the amount of 20 thousand rubles;
- financial compensation for medications for children under 6 years of age (provided for large families);
All these payments can be used to repay the soft loan.
Large families mean families that have more than two children, including adopted children, and have registered their status with the social protection authorities.
Low-income citizens are considered to be those living together whose total combined income is equal to the subsistence minimum or exceeds it by 30-50% (depending on the number of family members).
Work experience of at least 10 years
Preferential conditions for social mortgages in Tatarstan provide for employees of various budget organizations, low-income families, and young families a mandatory requirement, which is 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. The person provides his work book or another document confirming his experience at enterprises and budgetary organizations of Tatarstan. If an applicant left the republic for some time and then returned, the length of service will be counted only according to his work in the republic.
For example, a citizen’s total experience is 20 years, of which 10 years at enterprises and 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, his experience in the Republic of Tatarstan is counted.
Who can get a housing loan in the Republic of Tajikistan
According to the Decree of the Government of the Republic of Tajikistan, the following citizens receive the right to social mortgage lending:
- young families where parents are under 35 years of age and have lived and worked in the republic for more than 10 years;
- low-income families whose income does not exceed 30-50% of the required subsistence level for each member;
- parents with many children, as well as those who have disabled children as their dependents; guardians and adoptees;
- employees of various budget organizations who have worked in the republic for more than 10 years.
They all need to improve their living conditions.
Housing fund under the President of the Republic of Tatarstan
To implement the project, a state housing fund has been created under the President.
It is formed with the help of construction companies that are engaged in the construction of housing in various populated areas region. For this purpose, construction companies are obliged in every apartment building create part of the economy-class residential premises and transfer them to the state housing fund.
The state housing fund under the President of the Republic of Tajikistan is in charge of the state housing stock for social mortgages.
Goals and objectives of the organization
As you know, the cost of any housing in our country is significant, and its purchase is often beyond the reach of the general population.
Based on these economic realities, as well as for the implementation of the mortgage program in Tatarstan, the non-profit organization “GZhF under the President of the Republic of Tatarstan” was created.
The purpose of its existence is to record all citizens in need of housing on the territory of the republic, check the documents provided, place in line and issue residential real estate.
The tasks of the BUT are the following:
- accumulation of federal and regional budget funds allocated for social housing programs;
- accumulation of funds paid by citizens in need of housing, repaying mortgage loans;
- purchase of residential premises from construction organizations and transfer them to citizens.
To implement this program, each registered participant has his own personal page on the President’s website.
Sources of financing
The principle of operation of the non-profit organization “GZhF under the President of the Republic of Tajikistan” is that this organization accumulates not only budget funds, but also contributions paid by those in need of improved housing conditions and public sector employees.
