State housing fund under the President of the Republic of Tajikistan Social mortgage. How to fill out an electronic application for a competition for drawing apartments

The city of Naberezhnye Chelny actively participates in the implementation of the Social Mortgage Program. The investor, the State Housing Fund under the President of the Republic of Tatarstan, entrusted DOMKOR LLC (formerly Housing Investment Company LLC), the main customer-developer of residential buildings in the city of Naberezhnye Chelny, to carry out technical supervision of housing construction under this program.

Social mortgage is affordable

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 the Decree of the President of the Republic of Tatarstan M.Sh. Shaimiev No. 213 "On measures for the development of housing construction in the Republic of Tatarstan" for the development and implementation of non-traditional methods of financing and attracting extra-budgetary funds in 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 of the Russian Federation, state authorities of the Republic of Tatarstan and local authorities, as well as the sale of housing to the population of the Republic of Tatarstan on the principles of social mortgage, mortgage lending to citizens and legal entities. The program of social "mortgage" 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. 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."

By the Resolutions 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 housing conditions are improved 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 mortgage, please contact the Non-Profit Organization "State Housing Fund under the President of the Republic of Tatarstan".

In the context of modern economic realities, the Government of the Russian Federation is developing new mechanisms to support vulnerable and needy segments of the population. The governments of the republics, territories and regions do not stand aside and, in turn, create programs of benefits and subsidies at the local level. Most of the programs are designed to enable different segments of the population to improve their living conditions. An example of such a successful program is the social mortgage under the President of the Republic of Tatarstan.

Social mortgage in Tatarstan replaced the program of resettlement of owners of residential premises recognized as emergency or dilapidated, which ended in 2004. The social mortgage program allows borrowers to purchase housing on more favorable terms than the national average, which became possible thanks to the participation of the State Housing Fund under the President of the Republic of Tajikistan (GHF).

Social mortgage in the Republic of Tajikistan allows the borrower:

1. Reduce the amount of the down payment to 10% of the cost of the dwelling. At the same time, the initial payment has a maximum amount limit - no more than 30%. In addition, when considering each individual borrower, the GZF may decide on the possibility of not providing an initial payment (for example, if the borrower is a single mother and meets all the necessary criteria). We are already talking about the possibility of taking out a mortgage without a down payment in 2019.
2. With an average mortgage interest rate of 7.4%, social mortgage allows you to become the owner of a residential property, having received a mortgage at 7% per annum.
3. The maximum term of a social mortgage cannot exceed 28 years and 6 months. The loan agreement allows the borrower to fully repay the loan ahead of schedule, without penalties and fines.
4. If during the period of validity of the mortgage agreement the first-born appears in the family, the borrowers will receive 200 thousand rubles for the partial repayment of the debt obligation. Upon the birth of a second child and receipt of maternity capital, which has been extended until the end of 2021, the borrower can use the maternity capital to repay the mortgage.
5. This type of mortgage loan under the President of the Republic of Tatarstan is unique in that the borrower can pay not only in cash, but also with labor or products of the subsidiary farm. In the event of a difficult life situation, the borrower may not be afraid of losing his home - each specific case is considered by the GZF and a convenient solution for the borrower and lender is developed (deferred payment);
6. If the borrower pays part of the amount, he is obliged to pay the rent for the remaining part of the dwelling (deferred payment of the mortgage loan does not relieve the borrower of the obligation to pay the rent).

When receiving the opportunity to purchase an apartment under the program, the borrower must comply with some restrictions:

1. For 10 years, the borrower has no right to change the place of work of his own free will (dismissal by the decision of the employer or redundancy are not taken into account). If the condition is violated, the balance of the mortgage loan is recalculated with the loss of all benefits and an increase in the interest rate relative to the original by 2 times.
2. If the borrower took advantage of the preferential mortgage as an employee of the public sector, he loses the right to use any other program to support public sector employees (for example, Resolution of the Government of the Russian Federation of January 27, 2009 No. 63).

In this connection, before applying for a social mortgage, it is necessary to calculate all types of possible benefits and subsidies and choose the most profitable one for the borrower.

Who can get a social mortgage

The following groups of citizens can count on receiving a social loan under the President of the Republic of Tatarstan:

• Public sector employees (doctors, teachers, law enforcement officers, etc.);
• Citizens living in residential premises recognized as emergency, as well as citizens with living space that is less than the norm (less than 18 square meters per person). To obtain the “needy” status, a citizen must contact the Social Service at the place of residence;
• Employees of commercial enterprises that are investors in the construction of residential complexes participating in the program. This category of citizens has no restrictions on the total area of ​​housing, while the rest cannot apply for apartments with an area exceeding the standards:

1. 1 person - 33 sq.m .;
2. Family of 2 people - 44 sq.m .;
3. Family of 3 or more - at the rate of 18 sq.m. for each subsequent family member.

Where to give apartments in Tatarstan

The conditions for a social mortgage are made up of many factors, the main of which is the purchase of residential premises in certain residential complexes. Apartments on preferential terms are provided in houses under construction of those developers who are participants in the program. The list of residential complexes is available on the GZF website and on the websites of developers, as well as on the websites of banks participating in the program.

Comprehensive development is a mandatory criterion for the construction of residential square meters, so the borrower gets the opportunity to purchase new housing in an area with developed infrastructure.

Since the list of residential complexes is limited, it is possible to purchase an apartment with the help of social mortgage funds only in large cities.

Kazan

The list of possible borrowers for obtaining a social mortgage in Kazan corresponds to the general list. If a citizen fully meets the requirements of the program, he needs to collect a complete package of documents:

• Borrower's and family members' passports;
• Confirmation of the “needy” status;
• Proof of child benefits and birth certificates;
• A copy of the marriage certificate;
• Copy of education diploma;
• Application form.

After submitting all documents to the GZF and a positive decision by the City Housing Commission in relation to the borrower, the citizen has to wait for the appearance of a suitable apartment. The most demanded today is the Salavat Kupere microdistrict, designed to solve the housing problem of 14 thousand families.

In addition to social mortgage, branches of large banks on the territory of Tatarstan offer to use a number of programs to improve living conditions.

Naberezhnye Chelny

In Naberezhnye Chelny, the same groups of citizens are included in the list of possible borrowers under the social mortgage program. The main condition for obtaining the opportunity to participate in the program is documentary confirmation of the family's status as needy. The total cost per square meter of housing includes child benefits.

Residential complexes located on the outskirts of the city are more popular, since the cost per square meter is lower here than in the central districts of the city, and the ecological situation is much more comfortable. The most popular are the "Yalshek - 2" district, the construction of which is underway, and "Complex 63".

Residents of Naberezhnye Chelny also have the opportunity to take advantage of the "Building the Future" program, which allows them to purchase their own housing on favorable terms.

Partner banks

The number of banks participating in the program is limited, since not many are present in certain localities.

The program involves not only banking organizations of the Republic of Tatarstan, but also partner banks operating throughout the Russian Federation:

1. Sberbank;
2. AK Bars;
3. Rosbank;
4. Kara-Altyn.

For the current period, the social mortgage agreement in Tatarstan is concluded by the borrower directly with the representative office of the State Housing Fund under the President of the Republic of Tatarstan. In the partner bank of the program, the borrower opens an account to which he undertakes to transfer the minimum amount on a monthly basis during the billing period, which is formed from at least 11% of the cost of 1 sq. meters of housing area. GZF has the right to terminate the agreement unilaterally if the borrower fails to fulfill its payment obligations.

In addition to social mortgages, banks of the Republic offer borrowers to improve their living conditions by taking part in the "Young Family" program. The main criterion for the borrower is the age of the spouses (at least one of them must not be older than 35). This program allows you to purchase housing at a lower interest rate (on average from 7.4%) both in new buildings and in the secondary housing market.

The creation of the non-profit organization "State Housing Fund under the President of the Republic of Tatarstan" is determined by the Decree of the President of the Republic of March 30, 1995 No. 213. The main idea of ​​creating the organization is to search for and attract extra-budgetary funds for the development of housing construction in the Republic and the creation of an opportunity to purchase their own housing for citizens of the Republic of Tatarstan.

The initial task of the GZF was the implementation of a program for the resettlement of citizens of the Republic from housing that did not meet the required standards (dilapidated, emergency). In addition to the construction of residential premises, the Foundation was engaged in the construction of socially significant facilities (clinics, schools, kindergartens and other facilities). Upon completion of the program in 2004, the Foundation switched to the implementation of the program formulated in the Law of the Republic of Tatarstan dated December 27, 2004, No. 69-ZRT.

The housing stock under the President of the Republic of Tatarstan creates conditions under which housing becomes more affordable for potential owners, and the construction of residential areas is beneficial for commercial developers. The balance is achieved by providing the developer with commercially successful land plots in exchange for the developer allocating 50% of the housing stock for social mortgages. The developer has the right to sell the remaining 50% at the market price, thereby receiving a financial profit.

Personal page

Upon approval of obtaining a social mortgage under the President of the Republic of Tatarstan, the borrower can wait for proposals for suitable apartments from the Housing Fund, or can create a personal page on the GZF website. It will display the borrower's rating, which depends on the amount of the accumulated amount for the proposed housing. An important criterion is the degree of need of a particular family.

When ready-made options for apartments appear, the possibility of obtaining housing is higher for those program participants whose rating is higher. Practice has shown that getting an apartment based on a rating is faster.

After the amendments were made to the procedure for the distribution of housing on social mortgage, the number of applications to various instances of citizens demanding clarification of the provisions of the Resolution of the Cabinet of Ministers of the Republic of Tatarstan No. 366 of August 2, 2007, has increased significantly.

To answer these and other questions related to the implementation of housing programs in the Republic of Tatarstan, the State Housing Fund under the President of the Republic of Tatarstan has opened a hot line. More than 180 calls have been received on just one of the indicated telephones over the past days since the opening of the "hot line".

The largest number of calls (more than 90) related to the standards for the total area of ​​residential premises provided with state support established by the Cabinet of Ministers of the Republic of Tatarstan. Recall that housing at a set discounted price is provided based on the calculation of an area that does not exceed 20 percent of the established standards: for a citizen living alone - 33 sq. meters, for a family of 2 people - 42 sq. meters, for a family of 3 or more people - 18 sq. meters per person.

Residents of Kazan, Naberezhnye Chelny, Nizhnekamsk and other cities of the republic, hoping to use the program to solve the housing problem in the future, expressed their disappointment with the innovations. The reaction of the townspeople is explained by the fact that there are simply no one-room apartments, which can be counted on in accordance with the new standards for a "lonely citizen" or two-room apartments, which could be claimed by a family of two (for example, a mother and son). The same is the case with three-room apartments: according to the new rules, a family with two children of different sexes does not have enough reasons to choose an apartment with three rooms. The total area of ​​any apartments that are currently being built by the State Housing Fund under the program is slightly more than the minimum set by the Government for those in need of better housing conditions on social mortgages. It was believed that the times when the most popular projects were small-sized residential buildings had already sunk into oblivion. But there are families that have the right to additional space, for example, families in which there is a patient with tuberculosis, or persons with an academic degree, etc. How housing issues will be resolved in such cases is not spelled out in the decree.

In connection with the first issue, there were also such as the loss of the right to a preferential price for the acquisition of housing in the event of a break within 10 years of labor relations with the organization, work in which allowed the program participant to obtain housing in the social mortgage system, and, consequently, the ban (though , indirect) early purchase of apartments.

The second most urgent question (more than 50) is when the tenders for the selection of apartments will start. The State Housing Fund is forced to admit that there is indeed a certain delay in the holding of tenders. It is connected with the lack of the fund at the moment of the necessary instruments for holding competitions. According to the procedure for providing citizens with residential premises for social mortgage, approved by the Resolution of the Cabinet of Ministers of the Republic of Tatarstan No. 366, in order to participate in the competition for choosing an apartment, program participants must fill out a protocol, the form of which (as well as the form of a social mortgage agreement) must be approved by the Cabinet of Ministers of the Republic of Tajikistan.

The third most important issue for participants in social mortgage was the issue of acquiring housing in Kazan by nonresidents. As a rule, everyone who contacted the hotline had been living and working in Kazan for a long time, so they hoped to get housing in Kazan, too, although they were registered as needing to improve their living conditions in accordance with the previously established procedure - at the place of permanent registration. Living in rented housing without registration at the place of residence, such "Kazan residents" acquired a chance to acquire their own housing where they were most in demand at the moment. Now each of them must prove their “exclusivity” in order to obtain the right to choose an apartment in Kazan according to the new rules.

Quite a lot of calls came from employees of enterprises, for whom the requirement for an initial payment in the amount of 30 percent of the cost of the future apartment turned out to be an unbearable burden, whereas earlier for this category of social security participants, the initial payment was at least 10 percent of the cost of the apartment. It turned out that not all employees of enterprises are capable of making such serious savings at the initial stage.

The rating of the issues of most concern to the population is concluded by the procedure for making changes to the accounting business. The restrictions introduced in August of this year on the distribution of housing on social mortgage are forcing a significant part of the applicants - participants in the program, to look for a way out of this situation. For many, such a solution is to increase the size of the family, which entails a procedure for amending the applicant's records. In such cases, the family applies to the public housing commission, where it was registered as in need of improving housing conditions in the social mortgage system. On the basis of the submitted documents, the housing commission makes changes to the register of families and sends them to the State Housing Fund under the President of the Republic of Tatarstan in accordance with the established procedure, the fund transfers new information to the authorized organization that conducts competitions for the selection of apartments.

Tatarstan residents are also worried about a number of other issues related to the implementation of housing programs. As it turned out, many young families do not yet know that the customer of the program "Provision of housing for young families" is the Ministry of Youth, Sports and Tourism of the Republic of Tatarstan, where lists of future recipients of housing are formed, which are then transferred to the State Housing Fund. Also, many of them, who contributed only 1 thousand rubles to the offset of future housing, expressed their claims about the need to make a 10 percent contribution from August as an initial one. It turns out that they also do not know that they must (in contrast to the participants in the social mortgage program, who are provided with housing in installments) immediately and in full pay for the housing they receive under the program.

The program participants are also interested in such questions, the answers to which, it would seem, have been known for a long time (including to the local self-government bodies that work directly with the population). So, let us recall that the right to subsidies paid in the amount of 200 thousand rubles at the birth of a child are families registered under a social mortgage before the birth of a child; the cost per square meter of housing sold under the program at the moment cannot exceed 19 thousand rubles per 1 sq. meter; you can become a participant in the social mortgage program if the total area per family member is less than 18 square meters, all able-bodied family members work, have permanent registration in Tatarstan, work either in the budgetary sphere, or at an enterprise that transfers voluntary payments for the development of housing, or belong to the category of those in need of urgent assistance, according to the press service of the GZHF RT.

Comments on the article

Ildar
2016-12-10 13:42:56
Hello! please tell me how it is possible to recover in the queue?

Richat
2016-11-20 19:08:24
Good evening! When will they start to conclude agreements on social mortgage, and the documents were submitted in November 2014 ??? Thanks.

Ksenia
2016-11-06 16:11:51
Hello, if you put 20% of the cost of the apartment, be sure to pay the minimum wage every month !?

Ilmira
2016-10-04 13:31:16
I won an apartment as an emergency driver. I signed the final protocol, but when I went to take the keys, I found out this apartment was registered with another person. Now they are telling me to terminate the contract if I have other options to choose. What to do?

Helena
2016-09-21 13:18:05
Good day! Can you please tell me, I have submitted documents to the administration for social security. There was a refusal due to a small salary. In 2017, my salary will increase with the transfer to another position. Will I be able to resubmit my documents? And until what year is the social loan valid?

Yuri
2016-06-21 23:29:28
Hello! I have a question, in July 2014, my wife and I applied for social services. a mortgage from an organization, registration was successful within 3 months, recently we also entered our daughter successfully in the application, said that all the documents went well, but neither in 2015 nor in 2016, no matter what questions I asked about the priority, or the approximate timing of receipt apartments, they say that we do not have such information, everything is decided by the commission, is there really no reporting on the state of priority?

Alex
2016-06-14 16:01:49
Social mortgage is EVIL, mockery of people, until you get low-quality housing life will fly by. Killers of hope and dreams. GZHF - EVIL

Alexey
2016-06-07 20:31:32
Hello! When will they start to conclude agreements on social mortgage ??? The documents were handed over in January 2013.

Alex
2016-03-10 15:51:04
Tell me, please, when will the incompetent, rude and boorish hotline employee, who has been behaving extremely impudently for more than one year, will be fired (kicked out in disgrace), only aggravates the answers?

Regina
2016-02-15 13:55:51
Hello! I have a question: our family received a social mortgage. After the birth of our second child, in order to use the mat. Capital, we switched to a Loan Agreement. And after the birth of our third child, do we have the right to receive a subsidy in the amount of 200 thousand rubles?

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

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

Navigation

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

Below the site header is a menu with the main categories:

• Emergency facilities. The section contains a list of hazardous housing facilities in the Republic of Tatarstan (Kazan, Nizhnekamsk, etc.) and current information on each (on the resettlement of apartments and approval of the status of emergency housing, etc.);
• Arbitrage practice. This category contains a list of all court decisions on claims in which the housing fund took part, all materials on the cases are available for download;
• Regulations. When you click on the link, a full list of regulatory documents, forms for filling out and examples for drawing up applications, statements, etc. opens. All materials are available for download and are divided into subcategories to simplify the search (for residents of rural areas, cities, etc.) ... Also presented are documents and decrees, according to which the State Housing Fund is working;
• FAQ. When you go to this section, a list of 28 questions about the work of the state housing stock opens, which most often arise among users of the resource and among citizens in general;
• Analysis of work from citizens' appeals - the link provides reports on what work was performed based on written appeals and applications from citizens in 2015-2016.

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

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

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

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

Personal page

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

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

To register in your personal account, follow the algorithm:

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

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

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

Thus, the user has the opportunity to track the order of work with his applications, as well as monitor the progress of consideration of the applications for social mortgage submitted by him.

The company NON-PROFIT ORGANIZATION "STATE HOUSING FUND UNDER THE PRESIDENT OF THE REPUBLIC OF TATARSTAN" 1655065113 was registered at the legal address 420015, TATARSTAN REPUBLIC, KAZAN CITY, GORKOGO STREET, 8/9. According to the registration documents, the main activity is the management of real estate for a fee or on a contractual basis. The company was registered on March 29, 2005. The company has been assigned the All-Russian State Registration Number: 1051622037400. The head is EXECUTIVE DIRECTOR MARAT RIVGATOVICH ZARIPOV. To obtain more detailed information, you need to go to the company card and check the counterparty for reliability.

The company GZhF UNDER THE PRESIDENT of the Republic of Tatarstan on March 29, 2005 was registered with the Interdistrict Inspectorate of the Federal Tax Service No. 18 for the Republic of Tatarstan. The registration procedure with the State Institution - Management of the Pension Fund of the Russian Federation in the Vakhitovsky district of Kazan, the Republic of Tatarstan was carried out on 12.01.2010. Also, Branch No. 1 of the State Institution - the regional branch of the Social Insurance Fund of the Russian Federation in the Republic of Tatarstan put the company on record 12.05.2005 00:00:00. The last entry in the register of the Unified State Register of Legal Entities, which is contained about this organization: Submission by the licensing authority of information on the cancellation of the license.