Loans to improve housing conditions for those in need. What has changed in recent months in preferential lending to housing conditions of preferential lending housing in Belarus
To understand the whole procedure, starting with registration and ending with a loan, consider the main stages that must pass the main part of citizens. Separate categories of citizens, by virtue of obvious circumstances, pointing to the need to obtain housing (for example, as unsuitable housing), are focused on this topic with the knowledge of all items of regulatory documents.
It is worth understanding that at the moment there are quite stringent (but fair) conditions for obtaining a preferential loan. Before that, other citizens managed to build at the expense of preferential funds by any or two, but sometimes more apartments.
Organizing the entire procedure, let's start with the registration of those in need of improving housing conditions. Further, the citizen must compare himself with the category of low-income citizens.
In this way, the first (total) step is to be needy and low-income. But it is here that additional conditions appear to obtain a preferential loan (and subsidies), determined by the presidential decree, which can be reduced to the first step on "no".
So, not enough to be easy to need and low, the possibility of obtaining a preferential loan is limited the following conditions (Decree of the President of the Republic of Belarus dated January 6, 2012 No. 13):
1.1. The right to receive concessional loans for construction (reconstruction) or the acquisition of residential premises is provided:
servicemen, persons of the ordinary and supervisory composition of the Investigative Committee, the State Committee of Forensic Examinations, the Internal Affairs Bodies, the Financial Investigation Bodies of the Committee of State Control, Organs and Emergency Units (hereinafter referred to as military service), held military service, in the Investigative Committee, examinations, internal affairs bodies, financial investigations authorities of the Committee of State Control, Organs and Emergency Units (hereinafter - military service), citizens dismissed from military service by age, health status, reduction of states, including those who have implemented their right to put on Accounting for those in need of improving housing conditions at the place of residence within 6 months from the date of dismissal from military service, which has at least 5 calendar years of services at military service (with the exception of training periods in educational institutions engaged in training Librels (areas of specialties, specializations) for the armed forces, other troops and military formations, the Investigative Committee, the State Committee of Judicial Examination, Internal Affairs Bodies, the Financial Investigation Bodies of the State Control Committee, bodies and units for emergency formations in the day form of education) and registered in need of improvement of housing conditions;
citizens who have in accordance with legislative acts the right to extraordinary receiving residential premises of the social use of the State Housing Fund;
able-bodied adult family members of the hire of residential premises under the contract of employment of the residential premises of the State Housing Fund in the event of his death or leaving for permanent accommodation in another residential premises that have no knowledge and use of the residential premises of the State Housing Fund on the basis of a hire agreement or owned by another Residential premises in this village with a total area of \u200b\u200b15 square meters. meters and more (in Minsk - 10 square meters. meters or more) per person corresponding to the accomplished sanitary and technical requirements, - during the term of the prisoner in accordance with legislative acts with one of them a contract of hiring a residential premises of social use State Housing Fund;
the low-income citizens of the Republic of Belarus, which are registered in need of improving housing conditions (with the exception of citizens recognized as in need of improving housing conditions on additional grounds provided for by organizations in collective agreements), from among:
large families;
citizens, among whose families there are disabled children, as well as disabled since childhood I and II groups;
citizens and the resulting radiation disease caused by the consequences of the catastrophe at the Chernobyl NPP, other radiation accidents, disabled, with respect to which the causal bondage of injury or disease, led to disability, with a catastrophe at Chernobyl NPP, other radiation accidents;
combat veterans in other states from among the categories of citizens provided for in paragraphs 1-3 of the first part of Article 3 of the Law of the Republic of Belarus dated April 17, 1992 "On Veterans" (Vedamastsi VyarkhoNaga Saveta Raspublіkі Belarus, 1992, No. 15, Art. 249; National Register of Legal Acts of the Republic of Belarus, 2001, No. 67, 2/787);
citizens living in residential premises recognized in the prescribed manner unsuitable for living;
adult young citizens who are laureates of the Special Fund of the President of the Republic of Belarus on social support of gifted students and students and (or) of the Special Fund of the President of the Republic of Belarus to support talented youth, - in agreement, respectively, with the Ministry of Education or the Ministry of Culture and in accordance with documents confirming such rank. Under young citizens in this decree are faces under the age of 31 years;
citizens who were appointed scholarships of the President of the Republic of Belarus with a talented young scientist - in coordination with the National Academy of Sciences of Belarus and in accordance with the appropriate appointment of these scholarships by documents issued by organizations that carried out their payments;
citizens living at least 10 years in hostels, in residential premises of the State Housing Fund under the contracts of residential premises, in the residential premises of the private housing fund under the employment contracts, which, including jointly residing family members and separately living spouses, are not available property of residential premises (the total area of \u200b\u200bresidential premises per share in the right of common ownership of residential premises), including those located in other settlements of the Republic of Belarus;
citizens carrying out construction (reconstruction) or the acquisition of residential premises in populated areas with population of up to 20 thousand people and in satellite cities *;
* For the purposes of this Declaration of satellite cities for Minsk are Dzerzhinsk, Zaslavl, Logoisk, Rudensk, Smolevichi, Fanipol, for Brest - Zhabinka, for Grodno - Skidel, as well as other settlements, which, by decision of the President of the Republic of Belarus, comes the status of a satellite city .
judges and prosecutor's employees;
young families with two minor children at the date of approval of lists to receive concessional loans.
Foreign citizens and stateless persons permanently residing in the Republic of Belarus enjoy the right to receive concessional loans for construction (reconstruction) or the acquisition of residential premises on a par with citizens of the Republic of Belarus, unless otherwise provided by laws and international treaties of the Republic of Belarus.
Conditions and procedure for assigning citizens to a category of low-income citizens to provide concessional loans, subsidies and other forms of state support for construction (reconstruction) or acquiring residential premises are determined by the Council of Ministers of the Republic of Belarus
This document identifies the categories of citizens in neuctoral right to receive a concessional loan And claiming to provide disposable subsidies. Only, according to the terms of this particular, lists of citizens are formed for the construction of an apartment in a particular home, and these lists are transferred to the Bank to consider the issue of granting a preferential loan (mainly for construction). Otherwise, you will remain only in need and low-income, and there is no need to spend time to further read the article.
However, the waiting time of the queue for inclusion in the lists is impressive, for example, in Minsk, it exceeds 20 years.
A common interest in this topic is heated directly by the credit conditions.
Interest rates According to this type of loan, quite low values \u200b\u200bare distinguished compared with loans on general reasons and a long repayment period:
- For large families - 1% per annum;
- For citizens who permanently residing and working in settlements with the population of up to 20 thousand people and in the cities of satellites * - 10 percent of the refinancing rate of the National Bank of the Republic of Belarus, acting on the date approval of lists on obtaining concessional loans, but not less than 3% per annum;
- For persons listed in paragraph with the second and sixteenth of the first subparagraph 1.1. №13 (military personnel and young families, having two minor children at the date of approval of lists on obtaining concessional loans) - 5% per annum;
- For other categories of citizens listed in paragraphs, the third-fifteenth part of the first subparagraph 1.1 Declaration No. 13-20 percent of the refinancing rate of the National Bank of the Republic of Belarus, which operates at the date of approval of lists to receive concessional loans, but at least 5% per annum
* Dzerzhinsk, Zaslavl, Logoisk, Rudensk, Smolevichi, Fanipol, Zhabinka, Skidel
Maximum timeTo which preferential loans are provided, should not exceed 20 years (for large families - 40 years).
So, you come to a specific definition condition, it means that we become needed in improving housing conditions. The corresponding category of citizens is formed at the place of constant registration in the appropriate local executive and administrative body (executive committee, village council, etc.), or at the place of work in order of priority.
It should be noted as a wide range of grounds for inclusion in this category and the presence of reasons for refusing adoption. All the necessary documents, as well as the possibility of setting, can be clarified at the placement, or by reading the relevant regulatory documents *.
* Regulations on the accounting of citizens in need of improving housing conditions, and on the procedure for providing residential premises of the State Housing Fund, approved by the Decree of the President of the Republic of Belarus of December 16, 2013 No. 563 "On some issues of legal regulation of housing relations".
For the most part, the main reasons for registration are the lack of residential real estate owned by a citizen (family), or the security of one's own housing is less than 15 sq.m. The total area per person (in Minsk is less than 10 square meters. meters). It should be noted that the area of \u200b\u200bownership and (or) in the possession and use of a citizen and those who live together with him in the settlement of the place of registration, for Minsk - additionally in the Minsk region.
A complete list of grounds for registration ( paragraph 3):
3.1.1. no ownership and (or) in possession and use of * residential premisesin the settlement at the place of registration of those who need to improve the housing conditions (at the place of work (service), and citizens without a certain place of residence, previously had registration (registration) at the place of residence in this village, - at the place of stay (hereinafter - inhabited Point at the place of accounting). When taking into account those who need to improve the housing conditions in Minsk, owned and (or) in the possession and use of a citizen and living together with him of his family residential premises located in the Minsk district are taken into account;
______________________________
* For the purposes of this Regulation, under the absence of citizens in the possession and use of residential premises, the lack of residential premises involved in these citizens are understood:
under contracts for hiring residential premises of the State Housing Fund;
as members of the former members of the family owner of the residential premises, the employer of the residential premises of the State Housing Fund, a citizen who is a member of the organization of developers, and having the right to own and use residential premises on a par with the owner of the residential premises, the employer of the residential premises, a citizen who is a member of the organization of developers;
under the contract providing for the transfer of the shareholder to possession and use of the object of shared construction concluded in accordance with the legislation.
3.1.2. secured by the total area of \u200b\u200bresidential premises less than 15 square meters. meters (in Minsk - less than 10 square meters. meters) per person. At the same time, the provision of the total area of \u200b\u200bresidential premises is determined on the basis of the sum of the total area of \u200b\u200ball residential premises in the property and (or) in the possession and use of a citizen and living together with him members of his family in the village at the place of accounting (when taking into account In need of improving housing conditions in Minsk - based on the sum of the total area of \u200b\u200ball residential premises, owned and (or) in possession and use of a citizen and living together with him by his family in Minsk and Minsk district).
With a separate residence of family members, the provision of a total area of \u200b\u200bresidential premises per person is determined on the basis of a citizen and members of his family, with whom he is taken into account in need of improving housing conditions, the sum of the total area of \u200b\u200ball residential premises owned and (or) In possession and use, they, as well as members of their families, with whom they live together, in the settlement at the placement of adoption (when taking into account in need of improving the housing conditions in Minsk - based on citizen and members His families with whom he is taking into account those in need of improving the housing conditions, the sum of the total area of \u200b\u200ball residential premises, owned and (or) in possession and use, as well as among their families living together with them in Minsk and the Minsk district), minus the total area percentage of other citizens (with the exception of employers and subnabers) living in these residential premises, but not included in the family members of the citizen, with whom it is made on this accounting;
3.1.3. living in a residential premises recognized as not relevant to accommodating sanitary and technical requirements;
3.1.4. living in hostelswith the exception of citizens who are given the right to own and use residential premises in a hostel in connection with training, sports training *, the passage of clinical residency **, as well as seasonal and temporary workers;
______________________________
* For the purposes of this provision, under sports training, a comprehensive process of training for sports reserve and (or) high-class athletes, including specialized educational and sports institutions, through participation in the training process and (or) sporting events.
** For the purposes of this provision, under clinical residency, the form of professional training of specialist doctors, based on the principle of individual training, aimed at deepening their professional knowledge and improving practical skills, mastering advanced medical technologies, solving human resources for health care.
3.1.5. living in residential premises of a private housing stock under a contract for hiring residential premises;
3.1.6. Resisting in residential premises of commercial use under the terms of the contract of hiring residential premises of the commercial use of the State Housing Fund concluded for the term of labor (official) relations, as well as in residential premises of social use on the basis of a residential premises social use of the State Housing Fund concluded for up to ten years In accordance with part of the third paragraph 69 of the Regulations;
3.1.7. living in one room or one-room apartment with other citizens and having diseaseslisted in the list determined by the Ministry of Health, in the presence of which it is recognized as impossible to jointly accommodate with other citizens in one room or one-room apartment, as well as living in one room or one-room apartment with persons having the disease listed in this list;
3.1.8. Resisting in the same apartment (a single-headed residential building) populated by several owners of residential premises, provided that their property is highlighted in the prescribed manner (a section of residential premises has been produced with the formation of two or more individual residential premises or with the ownership of isolated residential buildings With the leaving of the utility premises in general use and in common ownership), and (or) employers of residential premises of the State Housing Fund, if they are provided with a total area of \u200b\u200bresidential premises less than 15 square meters. meters (in Minsk - less than 10 square meters. meters) for each family member;
3.1.9. living in uninsulated (related) residential rooms and are not close relatives *;
3.1.10. living in a one-room apartment with another citizen regardless of his sex(including regardless of whether they are or are not close relatives), except spouses;
3.1.11. relating to young families **, first married (both spouses), unless one of them is owned by an apartment or a single-headed residential building and (or) is not an employer of an apartment or a one-quality house of a residential building under the contract of hiring residential premises of the State Housing Fund, and also does not occupy the equity object construction under the employment contract, rent, free use or other agreement in accordance with the rules of the conclusion, execution and termination of the contract for the establishment of the object of equity construction in the settlement at the place of registration;
______________________________
* For the purposes of this provision, under close relatives are the spouse (spouse), parents, adoptive parents (adolescents), children, including adopted (adopted), native brothers and sisters, grandfather, grandmother and grandchildren.
** For the purposes of this provision, young families are recognized by families in which at least one of the spouses are under the age of 31 at the date of taking into account those in need of improving housing conditions.
3.1.12. Resisting in residential premises of special houses for veterans, elderly and disabled Having minor children, as well as residents living in nursing homes for elderly and persons with disabilities, which, when re-released, the III group of disability or disability is removed, or which are recognized in the prescribed manner, if they are not survived or the right of ownership and use of residential the premises from which they dropped out;
3.2. young workers (employees), young professionals who arrived on the distribution aimed at work In accordance with the Task Force of a specialist (worker, employee), or specialists who arrived in the direction of state bodies and other organizations to work in the organization, located in the territories with the level of radioactive contamination over 5 Curi per square kilometer and territory equal to them;
3.3. Orphans and children left without parental care, as well as faces from the number of orphans and children left without parental care, in case they:
do not own and (or) in the possession and use of residential premises in the settlement at the placement of adoption (when taking into account those in need of improving housing conditions in Minsk, ownership and (or) in possession and use of residential premises are taken into account located in the Minsk district);
live in a residential premises and are in need of improving housing conditions on the grounds provided for in subparagraphs 3.1.2-3.1.10 of this paragraph;
when interior in a residential premises, from which they dropped out, would be needed in need of improving housing conditions on the grounds provided for in subparagraphs 3.1.2-3.1.10 of this paragraph;
there can be no universe in the residential premises from which they dropped out, and the impossibility of an instigation to this residential premises was established by the local executive and administrative body at the location of this residential premises.
The impossibility of instilling in the residential premises is established by the solution of local executive and administrative bodies in the event of the loss of residential premises (death, destruction), systematic (three or more times during the year) violations by citizens living in this residential premises, the rules for use of residential premises, residential content and auxiliary premises, the presence of adverse or hazardous conditions of residence with parents deprived of parental rights, and other citizens living in this residential premises, as well as in other cases. The procedure for making decisions on the impossibility of instilling in the residential premises is determined by the regional executives, Minsk City Executive Committee.
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Insert into account no need to immediately underestimate your income (unless of course it was high enough to it) for inclusion in the category of low-income. The calculation is made in 12 months preceding the month of the listings of lists preferential credit (and not registering in need that could happen much earlier). Citizens can be attributed to the category of low-income citizens, provided that the average monthly cumulative income on each family member does not exceed the three-time average monthly middle-sized minimum consumer budget of the family of 4 people (on 01.11.2015, this IBE \u003d 2,499,260 rubles. RUB). It is worth paying attention to the declared property in the preparation of lists to receive a loan, the cost of which, when obtaining a preferential loan, should not exceed the two-time limit of the preferential loan (about it below) for this family.
The first step is passed, and it remains to be expected to turn on the inclusion in the lists.
Determine possible amount of preferential loan. To do this are set the standards of the total area of \u200b\u200bthe (reconstructed) residential premises for 1 person:
- In Minsk, this indicator is 15 square meters. m. per person;
- for large families and citizens living in settlements except Minsk - 20 square meters. m.;
When building a one-room apartment for one person, a one-quality house - 30 square meters. m.
For citizens permanently residing and working in rural settlements:
Building (reconstructing) in them one-quality or blocked residential buildings - 30 square meters. m.;
During the construction for one person of a single-quality residential building or a one-room apartment in a blocked residential building - 44 square meters. m.
For individuals, a prerequisite lending area is increased by 15 square meters. M.: Heroes of Belarus, Heroes of the Soviet Union, Heroes of Socialist Labor, Full Cavaliers of the Order of Fame, Labor Fame, as well as citizens who have in accordance with the legislation to the additional area of \u200b\u200bresidential premises for health.
It is also important to notethat in lists to receive preferential loans indicate the normalized dimensions of the total area of \u200b\u200bresidential premises, which are established minus the total area of \u200b\u200bresidential premiseswho are owned by a loan and members of his family (including the total area of \u200b\u200bresidential premises, falling on the ownership of the ownership of residential premises), as well as the total area of \u200b\u200bresidential premises, who were owned and alienated with a bidder and (or) members of his family for 3 years before the conclusion of a loan agreement (including the total area of \u200b\u200bresidential premises, accounting for and alienated by a loan and (or) members of his family for 3 years before the conclusion of a loan agreement in the right of common ownership Living spaces). At the same time, residential premises are owned by a loan and (or) members of his family, located in all settlements of the Republic of Belarus.
In addition to the standard of the total area, the maximum size of a preferential loan for the construction of residential premises should not exceed 90% (for large families - 100%) of the provision of a preferential credited area of \u200b\u200bresidential premises of standard consumer qualities (a certain cost of a square meter). And this standard is often less than the cost of a square meter in the house under construction itself. Then the rest must be paid to its own means, or with the help of another loan. Based on these indicators and is formed gradeFor comparison with the cost of the claimed property when registering.
After receiving the lists to the bank, you must form a necessary package of documents to obtain a loan. One of the stages of this process will be confirmation of your need when receiving a loan and after the end of constructionso during this period you should be careful with buying, inheritance, privatization or otherwise acquisition of housing, because Its square will be deducted from the prerollable area.
Suppose you received a loan, but at the time of construction privatized the apartment, therefore, at the end of construction, its size will be counted in a smaller side.
If you have housing in the property, but you want to get the highest possible loan size on the apartment under construction (i.e., without deducting the area of \u200b\u200bavailable housing), you can commit to sell an existing apartment after putting the house and deposit cash At the expense of repayment of the loan in the amount of the estimated value of the sold apartment.
Example: a family of three has one-room apartment of 40 sq.m. (i.e. need to improve housing conditions). Preferentially credited area - 20 sq.m. On a person - a total of 60 sq.m., however, considering its own housing, it will finally be credited to 60-40 \u003d 20 sq.m. To obtain a loan for all 60 sq.m. And it is necessary to take the specified obligation to sell.
Remember that in order to obtain a preferential loan, it is necessary not only to be needing, but also to meet a certain amount of income for each family member. In this case, the guarantors whose search is complicated by the presence of loans or guarantees in most citizens. And if, after inclusion in the list of construction, you have the opportunity to officially increase your incomes above the established boundaries, there is no need to postpone it until the credit is received (because lists have already been formed).
When you enable in the lists to a certain apartment, it is necessary to provide all events that may affect the size of a prerollable area and, accordingly, on the size of the loan (the upcoming wedding, the birth of a child, etc.). Event data will not only increase the amount of the loan, but also to receive state assistance in some cases (also specified in the decree).
Documents for a loan are not such an extensive list. And the provision of a loan (consideration and issuance) takes less time, on comparison with lending on general reasons.
Decree No. 240 has already entered into force on August 7. And this means that the selection in the area of \u200b\u200baddress subsidies is about to begin. Who and how in the dream to find their "square meters" the state support the ruble?
Only one who is registered in need of improving housing conditions.At the same time, the percentage of subsidies will be issued:
- The preferential category of citizens listed in the decree of the President of the Republic of Belarus dated January 6, 2012 No. 13 "On some issues of providing state support to citizens during the construction (reconstruction) or acquiring residential premises".
- The current prosecutor's employees and the age of health, as well as due to the reduction of the number or staff of employees (in connection with the holding of organizational and staff activities). The length of years in the prosecutor's office is important here, at least 5 calendar.
- Low-income citizens who build or reconstruct housing in the Mogilev region (in the territories of Krichevsky, Klimovichsky, Krasnopolsky, Kostyukovichi, Slavgorodsky, Cheryikovsky and wantimsky districts).
- large families with 3 and more minor children;
- young low-income families at birth (adoption, adoption) of the first and (or) second child;
- orphans and the remaining parents left without parental care;
- social housing belongings, which they were provided with orphans and children left without parental care. The subsidy can be highlighted while the urgent contract for the hiring of such a dwelling is operating.
- for the construction of housing in apartment and blocked household houses, which are included in the list approved by the Ministry of Architecture and Construction of the Republic of Belarus, as well as for the construction (reconstruction) of single-quality houses;
- for the reconstruction of residential premises.
What can be paid for subsidies?
1. Only a part of interest on the loan for the construction of housing obtained in any commercial bank.
2. Part of interest and primary loan debt.
! Unlike a discount loan, compensation from the budget will be paid to the bank, but a direct citizen.
What is the size of the subsidies on the payment of a part of the interest of the loan?
1. For large families with 3 minor children - a refinancing rate + 2% * .
2. For large families with 4 and more minor children - the refinancing rate + 3% * .
3. Large families with 3 or more children under the age of 23, as well as orphans - refinancing rate + 2% * .
* if a smaller interest rate on the loan is not established in the contract
4. Another needy improvement in housing conditions: refinancing rate - 2%. That is 9.5%.
What is the size of subsidies to repay the principal debt?
Only young and large families, orphans:
- for large families with 3 minor children - 95% of the main debt on the loan;
- For large families with 4 and more minor children - 100% of the main debt on the loan.
- For young families at birth (adoption, adoption):
- the first child is 10% of the main debt on the loan;
- the second child is 20% of the main loan debt.
! The size of the subsidy is counted when changing the composition of the family (first recalculate the basic cost of the loan, then make appropriate changes to the decision of the district (urban) executive committee).
Calculator "MP"
Since now Belarusbank and Belagroprombank for the construction of housing give loans for 20 years under 14.5% per annum (refinancing rate + 3%), in practice, debt repayment to these banks due to the address subsidy looks like this:
- largeted with 3 children, the subsidy will cover 13.5% (refinancing rate 11.5% + 2%) annual out of 14.5%;
- largeted with 4 children, the subsidy will completely cover the payment of annual interest on the loan (14.5% per annum - 14.5% subsidy);
- all other subsidy will cover 9.5% per annum out of 14.5%.
It is always easier to understand the essence of any innovation on the examples. We take different families for the sample, which can count on state support by decree No. 240, and we count: how much in monetary terms the commercial loan for housing has become more affordable.
What part of the housing will provide subsidies to pay a part of the interest of the loan?
Example 1.
The maximum normalized value of the residential premises to provide a subsidy to pay a part of interest in this family will be 35,640 rubles: 20 square meters. meters * x 3 people x 660 rubles ** x 90%.
Example 2. A family of 3 people who have a disabled child, in turn, was aimed at the share of 3-room apartment with a total area of \u200b\u200b70 square meters. meters. The cost of 1 square. meter - 800 rubles. However, the family property already has a 1-bedroom apartment with an area of \u200b\u200b30 square meters. meters.
In this case, the maximum normalized value of the residential premises to provide a subsidy to pay a part of the interest in this family will be 17,820 rubles: (20 square meters. Meters 3 people - 30 square meters. Meters) x 660 rubles x 90%.
Example 3. A large family with 3 children in the order of turn was aimed at the share of the 4-room apartment with a total area of \u200b\u200b90 square meters. meters. The cost of 1 square. meter - 800 rubles.
The maximum normalized value of the residential premises for granting a subsidy to pay a part of interest for this large family will be 66,000 rubles: 20 square meters. meters x 5 people x 660 rubles x 100%.
Example 4. A large family with 3 children in the order of turn was aimed at the share of the 4-room apartment with a total area of \u200b\u200b90 square meters. meters. The cost of 1 square. meter - 800 rubles. The ownership of the family already has a 1-bedroom apartment with an area of \u200b\u200b30 square meters. meters.
The maximum normalized value of the residential premises for granting a subsidy to pay a part of interest in this family will be 46,200 rubles: (20 square meters. Meters x 5 people - 30 square meters. Meters) x 660 rubles x 100%.
Example 5. A large family with 3 children takes a loan for the construction of a single-appliant residential building with a total area of \u200b\u200b150 square meters. meters in the village with a population of up to 20 thousand people. The cost of 1 square. The meter of the house (excluding the cost of hozpostrok) - 1000 rubles. The construction of a residential building (excluding the cost of hospostroops) will cost a family of 150,000 rubles. The cost of economic buildings is 15,000 rubles.
The maximum normalized value of the residential premises to provide subsidies to this large family (excluding the cost of hozpostroops) will be 66,000 rubles: 20 square meters. meters x 5 people x 660 rubles x 100%.
The maximum normalized value of the residential premises for the provision of subsidies to this large family, taking into account the cost of the construction of the hozpostroop stipulated by the project documentation, will be 79,200 rubles: 66,000 rubles x 20% + 66,000 rubles.
Example 6. A family of 3 people who have a disabled child, in turn, was aimed at the share of 3-room apartment with a total area of \u200b\u200b70 square meters. meters. The cost of 1 square. meter - 800 rubles.
The maximum normalized value of the residential premises for granting a subsidy to pay a part of interest in this family was 35,640 rubles: 20 square meters. meters x 3 people x 660 rubles x 90%.
However, while the apartment was built, another child was born in the family. Therefore, the maximum normalized value of the residential premises for granting a subsidy to pay a part of interest in this family was recalculated. As a result, it amounted to 47,520 rubles: 20 square meters. meters x 4 people x 660 rubles x 90%.
Reference
* 20 square meters Meters - the standard of the total area of \u200b\u200bthe residential area of \u200b\u200bthe residential premises established in subparagraph 1.5 decree No. 13.
** 660 rubles - the limit value of the cost of 1 square. The meter of the total area of \u200b\u200bresidential premises, determined by paragraph second paragraph 8 of the decision of the Council of Ministers of December 29, 2016 No. 1113.
"A decent young family will remove inexpensive housing for a long time," it is precisely such ads that the pages of newspapers, Internet sites, pillars at public transport stops are fought. Rarely what family has the opportunity to gain apartment happiness at the dawn of their formation. However, rental housing allows you to get the illusion of your house only for a while. Sooner or later, still the question arises about how to get housing.
To get the opportunity to build your own home or you can make a loan for the construction of housing for a young family. This method is not so bad and has its own advantages. The main thing is to know what you have right and do everything according to the rules.
According to law
Loans for housing construction in Belarus can get absolutely different categories of the population, including young families. Moreover, many citizens have substantial benefits and relief when issuing a loan. The main document regulating receiving preferential cash loans is considered from 01/06/12 for the number 13. It is completely the name of its name: "On issues of providing state support citizens during the construction (reconstruction) and / or acquiring residential premises."
Those who decide to familiarize themselves with him, it is worth knowing that there is a later version, or rather, the Decree of the President No. 469 of November 16, 15, which came into force from 03/01/16. This decree adjusts several points of the previous one, so it is better to study in detail it too.
Who is generally preferential loan
In general, there are several categories of citizens who are based on a special loan for housing construction. In need of benefits, first of all, it is necessary to register into the relevant authorities. This will give the opportunity to get in a special place consisting of citizens in need of indispensable
- citizens, in whose families there are disabled since childhood (only first and second groups);
- living in homes recognized as dilapidated;
- talented young people who are laureates of the President of the President;
- persons affected by the Chernobyl accident, liquidators;
- employees of the internal affairs government agencies;
- servicemen;
- combat veterans;
- employees of the Committee of the State Control and Investigative Committee;
- persons, more than 10 years living in the hostel or the premises of the Gillish Fund;
Lending to young professionals
If, by law, you are considered a young specialist, then you can also try to stand in line and try to issue a preferential loan for the construction of housing. Although the direct right to receive a preferential loan you do not have, but it is still worth trying. It may be so that you are approaching any other indicators. In any case, the queue is obliged to put you, but the waiting process can delay.
Who consider a young family
According to a new law, a young family can be considered a family in which at least one of the spouses are not over 31 years old by submitting documents for a preferential loan. At the same time, at least 2 minor children should be brought up in the family, and marriage should be the first for both spouses.
To obtain a preferential loan for the construction of housing for young, the average income on each individual member should not exceed the three-time average monthly minimum SPB (middle-wide consumer budget), calculated for a family of 4 people.
In order to be eligible for benefits, it is necessary that in existing housing for each member of the same family accounted for no more than 10 m 2 (for Minsk) or 15 m 2 for other cities. At the same time, no spouses may have any housing in the territory of Belarus, as well as not to act as an employer for accommodation in non-privatized housing. Simply put, the family should or rent an apartment or reside with parents or other relatives on their territory.
There is one more interesting point: finding in marriage does not mean that you should stand on the queue together. If one of the spouses stood in line to receive preferential housing before marriage, he can further expect, until his time comes up.
On what loan can be calculated
Credits for the construction of housing provided for by the State Program are designed to facilitate the acquisition of their own home (apartments) for a young family. For such "cells of society" there are two types of lending:
It is also necessary to know that families who have made loans for housing and its purchase will not be able to fully dispose of their new property until they are fully calculated on debt obligations. This means that the housing can not be sold, give or exchange to another. In addition, no such actions with housing can also be performed for three years after the final calculation on the loan.
Financial support for young people
Of course, buy an apartment for a young family, even taking into account the benefits is not so simple. For this, it is necessary not only to have money for monthly payments over the years, but also immediately contribute 10, or even all 30% of the cost of housing. And what to do those who have already taken a loan, and not preferential, but the usual?
For some families that have taken such a loan, a state subsidy is provided. For this you need to observe one of three conditions:
- have one minor child (or give birth after the acquisition of housing) - assistance will be 20 minimum subsistence budgets;
- for two children who have not achieved a maximal age give 40 budgets;
- if there are three and more guys - you should be 50
The subsidy will be paid only after the state registration of ownership of the apartment will be held (home). So use money as an initial contribution will not work. And you will not see the money live. The amount will be evenly listed on the repayment of the body of the loan or% on it if the principal debt is already paid.
We collect documents
If you still decide to design a preferential loan, you should seek advice in Belarusianbank. Housing construction loans are usually issued with great pleasure. Initially, you will need these documents:
- passport;
- certificate of income;
- document (certificate) about the composition of the family;
- for men who have not reached 27 years old - a military ID.
About documents that will be supplied additionally will tell you in detail in the bank.
Credit size and area rate
As already mentioned, loans for housing construction still do not cover its full cost and wishing to have their own housing will have to be in charge of the initial contribution. On one hundred percent lending can only claim
The norms of the total area are set as:
- 20 m 2 / person. - in the construction of a one-room apartment;
- 30 m 2 / person. - for the construction of a 1-apartment residential building;
- 30 m 2 / person. - in the construction of a one-room apartment, a 1-apartment residential building in rural areas, for citizens who are constantly living there and work;
- 44 m 2 / person. - for the construction of a 1-apartment residential building, 1-room apartment in the countryside for 1 person who lives there constantly and works;
Repayment and interest
The maximum period for which loans for housing construction can be issued, do not exceed 20 years, and large families will be able to count on twice the greater period.
Interest for the use of preferential loans are established as:
- 1% per annum - for large families;
- 10% of the refinancing rate (but not less than 3% per annum) - for citizens that they work and constantly live in small settlements (up to 20 thousand people);
- 20% of the refinancing rate (at least 5% per annum) - for all other categories of beneficiaries;
- 50% of the refinancing rate of the National Bank, but not less than 5% per annum - for young families and families of servicemen.
This is perhaps all the nuances of preferential lending to young families, and those who have had questions, it is still to apply to legal advice. There will give you an exhaustive explanation on all items and will even prompt which additional benefits are exactly you.
To date, the main documents that provide assistance to the state in the acquisition of housing are:
- dated January 6, 2012 "On some issues of providing citizens of state support for construction (reconstruction) or acquiring residential premises"
- July 4, 2017 "On state support of citizens in the construction (reconstruction) of residential premises"
Decree of the President of the Republic of Belarus No. 13
Lending to Decree No. 13 in our country only Belarusbank is carried out in our country, we turned to his contact center to find out whether it is possible to get such a loan now, that's what a bank specialist answered to this:
— The basis for obtaining a preferential loan in accordance with Decree No. 13 are lists drawn up in compliance with the priority of citizens who need to improve housing conditions, and approved by district, urban executive and administrative bodies, local administrations, relevant ministries and departments.
In other words, the loan is acting, but the question of his extradition will be considered by the Bank only after the relevant information is received from the local executive bodies.
This is what about this is said on the website of the Ministry of Architecture and Construction of the Republic of Belarus:
— Decree No. 13 continues its action in full for citizens who have already received preferential loans. New treaties on this decree will be concluded only if there are free funds on it. The amounts of funds for predurbation by decree No. 13 will decrease every year, and since 2018, support will be conducted almost only on the terms of Decree No. 240.
Based on this, it can be concluded that Decree No. 13, although acting, but the support for it is almost not carried out.
Decree of the President of the Republic of Belarus No. 240
Decree No. 240 introduced a new type of state support of citizens in need of improving housing conditions - state address subsidies.
| What is the subsidy? | . For the construction of housing in apartment and blocked houses of economy-class, which are included in the list approved by the Ministry of Architecture and Construction of the Republic of Belarus . For the construction of single-quality houses . on the reconstruction of residential premises |
|
| What can be paid off using a subsidy? | part of interest for the use of a loan for the construction of housing, obtained in any commercial bank | within the maximum normalized value of residential premises |
| part of the main debt on the loan for the construction of housing | only for large families, orphans, families of raising children with disabilities | |
| Who can count on receiving a subsidy? | citizens authorized to receive state support in accordance with Decree No. 13 | . Servicemen, individuals of the ordinary and superior composition of the Investigative Committee, the State Committee of Forensic Examination, internal affairs bodies, etc. . Citizens eligible for the extraordinary obtaining residential premises of the social use of the State Housing Fund . Citizens who are employers of residential premises of the social use of the State Housing Fund provided to him as orphans and children who remain without parental care . Low-income citizens, who are registered in need of improving the housing conditions from among large families, citizens, among whose families there are children with disabilities, as well as disabled since childhood I and II groups ... and other categories |
| existing prosecutor's employees and already dismissed due to age, health status, as well as due to the reduction of the number or staff of employees |
mandatory condition - at least 5 years of service in service in the prosecution authorities | |
| low-income citizens who build or reconstruct housing in the Mogilev region | on the territory of Krichevsky, Klimovichsky, Krasnopolsky, Kostyukovichi, Slavgorodsky, Cheryikovsky and Hotim districts | |
The maximum loan amount to be subsidized is determined by the following formula ...
the normalized size of the residential premises * The number of family members * the limit value of the cost of 1 square meters. meter * 90% (large - 100%)
The normalized size of residential premises are set in the following sizes:
- in Minsk - 15 square meters. meters, and for large families - 20 square meters. meters per family member
- in cities, except Minsk - 20 square meters. meters per family member
- during construction for one person, a one-room apartment, a one-room apartment building - 30 square meters. meters
- for citizens working in rural settlements and building one-quality or blocked houses - 30 square meters. meters (during construction for one person a one-room apartment, a one-room apartment building - 44 square meters. meters)
At the moment, the limit value of the value of the square meter is:
- 718 rubles
- 940 rubles - for large families, permanently residing and working in rural settlements and carrying out construction (reconstruction)
About subsidies - simple language
In Decree No. 240, it is about attracting loans for commercial banks with the provision of necessary targeted financial support for their repayment.
As a result, a person is not preferential, but the most common commercial loan and subsidy for its repayment. You can do this in those banks that participate in the subsidization system, today they are 6:
- Bank Belveb.
- Belagroprombank
- BelarusBank
- Belinvestbank
- BPS Sberbank
- Priorbank
- loan period - up to 20 years;
- the loan rate is 12% per annum (or refinancing rate + 3 percentage points).
Please note that when the refinancing rate is changed, the loan rate will be changed !!!
Subsidy is provided in non-cash form and is sent to the bank who issued a commercial loan to repay a citizen of a part of interest or principal debt.
Dimensions of help
As we have talked above, subsidies may be provided to repay interest and / or the principal debt on the loan. The amount of assistance is determined depending on the category of citizens.
| Category | Size subsidies for repayment of the principal debt on the loan,% | The size of the subsidy to repay interest for the use of the loan,% |
| according to the decolations adopted from March 1, 2019 | ||
| Large families | ||
| large families with 4 or more juvenile children | 100 | Cf + 3, |
| large families with 3 juvenile children | 95 | Cf + 2, But no more interest rates on the loan |
| large families with at least 3 children under the age of 23 who have not entered into marriage and living together with the recipient of the subsidy | 0 | |
| Children - orphans and children left without parental care | ||
| children-orphans and children left without parental care, with respect to which the decision on emancipation is made or who have entered into marriage, people from the number of orphans and children left without parental care | 50 | Cf + 2, But no more interest rates on the loan |
| citizens who are employers of residential premises of the social use of the State Housing Fund provided to him as orphans and children who remain without parental care for which the decision on emancipation is made or who have been married, for people from the number of orphans and children remaining without Parent care | ||
| Citizens, among whose families there are disabled children, as well as disabled since childhood I and II groups | ||
| citizens, among whose families there are disabled children, as well as disabled since childhood I and II groups | 50 | CP-2, But no more interest rates on the loan |
| Young families | ||
| young families with 2 minor children at the date of decision on granting subsidies | 0 | CP-2, But no more interest rates on the loan |
| Other categories of citizens | ||
| servicemen, persons of the ordinary and superior composition of the Investigative Committee, the State Committee of Forensic Examination, Internal Affairs Bodies, the Financial Investigation Bodies of the Committee of State Control, Organs and Emergency Divisions, etc. | 0 At birth (adoption, adoption) of children, young families are provided by a subsidy for repayment of the principal debt: |
CP-2, But no more interest rates on the loan |
| citizens who have in accordance with legislative acts the right to extraordinary receipt of residential premises of the social use of the State Housing Fund | ||
| able-bodied adult family members of the tenant of residential premises under the contract of hiring residential premises of social use of the State Housing Fund in the event of his death or leaving for permanent accommodation in another residential premises | ||
| citizens, ill and suffered radiation disease caused by the consequences of the catastrophe at the Chernobyl NPP, other radiation accidents | ||
| veterans of hostilities on the territory of other states from among the categories of citizens provided for in accordance with the Law "On Veterans" | ||
| citizens living in residential premises recognized in the prescribed manner unsuitable for accommodation | ||
| adult young citizens who are laureates of the Special Fund of the President of the Republic of Belarus | ||
| citizens who were appointed scholarships of the President of the Republic of Belarus Talented Young Scientists | ||
| citizens living at least 10 years in hostels, in residential premises of the State Housing Fund under the contracts of residential and others, who are registered in need of improving housing conditions during the specified period | ||
| citizens carrying out construction (reconstruction) or acquiring residential premises in settlements with population of up to 20 thousand people and in satellite cities | ||
| low-income citizens carrying out construction (reconstruction) of residential premises in settlements on the territory of the south-eastern region of Mogilev region | ||
| judges and prosecutor's employees, citizens from the number of prosecutorial workers dismissed from the service in the prosecutor's office by age, health status, etc. | ||
| citizens carrying out employment in settlements on the territory of the southeastern region of the Mogilev region relating to low-income citizens engaged in building (reconstruction) of residential premises in settlements on the territory of the south-eastern region of Mogilev region |
but no more interest rates on the loan |
|
CP - refinancing rate, from November 20, 2019 - 9%.
For clarity, let's see an example:
A large family with 3 children subsidy will cover 11% (refinancing rate of 9% + 2 percentage points) out of 12% per annum and 95% of the amount of the principal debt. And if in the family 4 or more children - the subsidy will completely cover the payment of interest on the loan, as well as 100% of the principal debt.
We draw your attention, the size of the subsidy depends on the family composition. When changing it, the subsidy size will be recalculated.
The last time the size of state support during construction was changed on March 1, 2019. According to Decree No. 474 "On state support for construction (reconstruction) or acquiring residential premises", it increased for such categories of citizens as:
- syroidic children - the size of the subsidy is raised from 35% to 50% (on repayment of the principal debt)
- low-income citizens who carry out housing and employment in settlements in the territory of the South-Eastern region of the Mogilev region - the size of the subsidy is increased by 4 percentage points. (on the payment of part of interest)
- citizens raising disabled children - granted the right to receive a subsidy for repayment of 50% of the principal debt on commercial loans
In addition, Decree No. 474 establishes a number of restrictions To receive state support for worm-born citizens not occupied in the economy. These restrictions began to operate from March 1, 2019. State support will not be provided to families in which all working-born family members are not busy in the economy. However, they are given the right to re-apply for its receipt if the grounds have disappeared to assign them to the above category of citizens.
How does everything happen?
The issuance of a subsidy is possible only at the approach of the queue in need of improving housing conditions and attribute to the category of low-income.
Decisions on granting subsidies are accepted by district, urban executive and administrative bodies, local administrations.
- To obtain a subsidy of citizens in the state of the state of the registration of those who need to improve the housing conditions are invited to the Board at the place of the state in such an account and offer construction of residential premises in a particular home
- With the consent of a citizen for construction by decree No. 240, he applies to the Board
- The Board decides on granting a subsidy with which a citizen addresses any bank working under Decree No. 240, where a loan agreement is concluded
- The contract is then submitted to the Board that decided to subsidia
- Subsidia is paid
As you can see, Decree No. 240 offers a very convenient and profitable tool to improve housing conditions. And if you fall into the category of those who are made of agreed benefits, you can assume that you are lucky!
Information is presented as of January 4, 2020.And the main legislative act was signed on July 4, 2017 by the Decree of the President of Belarus No. 240 "On state support of citizens in the construction (reconstruction) of residential premises".
In addition to the current system of preferential lending to housing construction, Decree No. 240 introduced a new type of state support for citizens who need to improve housing conditions - state address subsidies informs infobank.by.
What are the subsidies go?
They may be provided to pay a part of interest for the use of a loan for the construction of housing, received by citizens in any commercial bank, and large families and young families and orphans - also on the repayment of a part of the principal debt on such loans. Principles of subsidies are mainly:
- the same categories of citizens who had the right to receive state support in the form of preferential loans by decree No. 13
- prosecutor's employees
- low-income citizens carrying out construction (reconstruction) of residential premises in settlements on the territory of the south-eastern region of Mogilev region
The maximum loan amount to be subsidized is determined by the following formula ...
The conditions for the provision of such state support will be:
- priority receipt
- classifying citizens to the category of low-income
About subsidies - simple language
In Decree No. 240, it is about attracting loans for commercial banks with the provision of necessary targeted financial support for their repayment.
As a result, a person is not preferential, but the most common commercial loan and subsidy for its repayment. You can do this in those banks that participate in the subsidization system, today they are 4:
- Bank Bel VEB
- Belagroprombank
- BelarusBank
- Belinvestbank
- BPS Sberbank
Banks provide commercial loans for the construction (reconstruction) of housing on their own conditions operating in each of them, the mains of which are currently almost identical:
- loan period - 20 years
- the loan rate is 13% per annum (or refinancing rate + 3 percentage points).
Please note that when changing the refinancing rate (last years it falls) the loan rate will be changed !!!
Subsidy is provided in non-cash form and is sent to the bank who issued a commercial loan to repay a citizen of a part of interest or principal debt.
Dimensions of help
Subsidy to pay a part of interest is provided:
- grearants listed in Decree No. 13 "On some issues of providing citizens of state support for construction (reconstruction) or acquiring residential premises"
- prosecutor's employees, citizens from the number of prosecutors, dismissed from the service in the prosecution authorities by age, the state of health, due to the reduction of the number or staff of employees (in connection with the conduct of organizational and staff activities), which has at least 5 calendar years of service in service in Prosecutor's Office
| Categories of citizens | The size of the subsidy on the payment of a part of interest on the loan |
| Out of turn | |
| large families | 3 children up to 23 years old - cf * + 2 pp / 4 and more juvenile children - cf + 3 pp |
| citizens, ill and suffered a radiation disease caused by the consequences of the Chernobyl | Wed * - 2 pp |
| citizens, in the composition of families of which there are disabled children, as well as disabled since childhood I and II groups | Wed * - 2 pp |
| citizens living in residential premises recognized as unsuitable for living | Wed * - 2 pp |
| veterans of hostilities in other states, from among those provided in clause 1 - 3 of the first part of Art. 3 of the Law "On Veterans" | Wed * - 2 pp |
| able-bodied adult family members of the deceased tour of social housing - during the action of the contract | Wed * - 2 pp |
| laureates specials. Foundation Heads of State for Support Gifted Pupils and Students | Wed * - 2 pp |
| citizens dismissed from military service by age, health status, reduction | Wed * - 2 pp |
| syarotes and citizens who are employers of social housing provided to them as orphans - during the contract of employment | Wed * + 2 pp |
| In order of general turn | |
| military and equivalent persons | Wed * - 2 pp |
| prosecutor's employees | Wed * - 2 pp |
| citizens eligible for the extraordinary acquisition of social housing | Wed * - 2 pp |
| citizens who are appointed scholarships of the head of state | Wed * - 2 pp |
| citizens living at least 10 years in hostels, in housing under the contract of hiring a private housing stock | Wed * - 2 pp |
| judges | Wed * - 2 pp |
| citizens carrying out housing in settlements up to 20 thousand people. and in satellite cities | Wed * - 2 pp |
| citizens carrying out housing in the south-eastern regions of the Mogilev region | Wed * - 2 pp |
| young families having two minor children | Wed * - 2 pp |
* CP - refinancing rate
And if we speak quite a simple language, in practice it will come out this:
- large families with 3 children subsidy will cover 12% (refinancing rate of 10% + 2 percentage points) from 13% per annum
- large families with 4 and more children, the subsidy will completely cover the payment of annual interest on the loan
- all other subsidy will cover 8% (refinancing rate of 10% - 2 percentage points) from 13% per annum
The transfer of a subsidy for repayment part of interest will be made from next month after issuing a loan for the construction (reconstruction) of housing every month during the entire repayment of the loan established by the loan agreement.
The right to receive a subsidy for repayment of the principal debt together with the receipt of a subsidy to pay a part of interest is provided:
- large families with 3 and more juvenile children
- young families from the number of low-income at birth (adoption, adoption) of the first and (or) second child after making a decision on granting a subsidy to pay a part of interest
- children-Sirodam
At the same time, the subsidy for repayment of the principal debt is established by large families with 3 children in the amount of 95%, and for children-orphans - 35%.
For large families with 4 and more children, monthly loan payments, both paying interest and the principal debt will be fully subsidized from the budget.
Young families at the birth of children after making a decision on granting a subsidy to pay a part of interest: 10% - at the birth of the first child; 20% - at the birth of the second child.
The size of the subsidy will change when a change in the family composition!
How to get support?
The issuance of a subsidy is possible only at the approach of the queue in need of improving housing conditions and attribute to the category of low-income.
Subsidies are provided for housing construction in economical apartment and blocked residential buildings, the list of projects of which is approved by the Ministry of All-Architecture.
Decisions on granting subsidies are accepted by district, urban executive and administrative bodies, local administrations.
Order of your action
1. Citizens of the right to receive an address subsidy (subsidies), in the order of the queue will be invited to the Board where they will be offered by the construction of housing with such state support.
2. If a citizen agrees to participate in the program, the Board sends it to the construction of housing, and the citizen concludes a corresponding construction agreement
3. After the conclusion of the contract for the construction of housing, a citizen appeals to the Board with a statement and relevant documents for making a decision on the provision of an address subsidy. The Board taking into account the composition of the family, living space in the property, will determine the maximum loan amount to be subsidized to the family
4. With this decision, the person goes to the bank to conclude a loan agreement
5. The bank concludes a loan agreement and its copy sends to the Executive Committee. The Board on the basis of information on the monthly provided by the Bank lists to the bank that provided a loan, a subsidy for paying a citizen part of interest on the loan, starting from next month after issuing a loan bank (its part), a subsidy for repayment of the principal debt on the loan - starting from the month of the beginning repayment of the principal debt on the loan
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