Young family preferential program. How to get help under the federal program "Young Family"? The procedure for submitting documents and waiting in line for housing

It's no secret that young families often experience financial difficulties... In this regard, the government of the Russian Federation is developing federal social programs aimed at facilitating material matters.

The issue of their own housing is especially acute, unfortunately for the majority of young families to independently resolve the housing issue is still an unsolvable task.

The federal law "On additional support for young families" provides for the following ways of solving the housing issue:

• an interest-free loan, which is allocated (for 25 years) for large families for the purchase or construction of housing;
• mortgage with a low interest rate;
• partial (incomplete) debt repayment.

The most famous programs are “Housing”, “Affordable Housing for Young People”, “Young Family” and others.

Housing program

It is aimed at families in which each of the family members is under 35 years old. To participate in this program, you must be in line to improve housing conditions... The essence of the program is in issuance by the state housing subsidies, and the size of the subsidy is not the same and depends on the price of housing in a particular region.

Mortgage apartments for young families are provided on the following conditions:

• in the absence of children, the state pays for about 30% of the average price of housing;
• another 5% is added for each child.

The rest of the amount can be borrowed from a bank that participates in the program and provides such services to young families. As a result, the family receives a preferential mortgage with a down payment.

Young Family Program

A social program created for families with children, which makes it possible to obtain a mortgage on the most beneficial mutual agreements. The main advantages of the program:

• starting (initial) payment - 10%;
• interest rate - 11% (per annum);
• as a down payment you can use maternity capital, or other subsidies.

A young family can take part in the program, including an incomplete one, which has:

• one or more children, while the age of the parents (or one parent) is not more than 35 years old;
• two or more minor children and is a recipient of maternity capital;
• three or more children.

The conditions of this program function within the framework of the programs: "Social bank: apartment", "Social bank: maternity capital".

Registration procedure

First, you need to resort to the state program of assistance to young families, standing on the line to improve housing conditions. The received social assistance can be used:

• for the purchase of housing;
• purchase of real estate under construction;
• building your own home.

In addition, the funds can be used both for the payment of the first installment and for the final payment on account of the share contribution of a young couple who is a member of a housing construction or housing cooperative.

Having previously prepared the necessary documents that confirm the family's income, you need to contact a banking institution for a mortgage loan.

Required package of documents

Documents that bank employees usually require when applying for a mortgage:

• original (copy) of registration of residence;
• documents (copies) evidencing marital status;
• educational documents;
• work book (copy) certified by the employer;
• employment contract (copy);
• certificate (form 2-NDFL);
• documents confirming income.

Banks may also require additional documents that are necessary for the final decision on a mortgage loan.

Affordable Housing for Young People

A participant in this social program there may be a young family, in which the spouses are less than 36 years old, or an incomplete family, which consists of one young parent of the same age. Moreover, registration as "needy" will not be enough, you must have income sufficient to obtain a loan or mortgage loan... Only in this case the family can apply for participation in the state program and state subsidies for housing.

To participate in the program, spouses submit the following documents to local governments:

• application in duplicate;
• documents confirming the identity of family members;
• marriage certificate;
• a document that confirms the need for a family to improve living conditions;
• documents confirming income;
• an extract from the house book.

Local self-government bodies, within 10 days from the date of submission of documents, check all the information contained in these documents and make a final decision. A young family is notified of the decision local governments in writing.

After a positive answer, the family receives a personal certificate valid for two months from the date of issue. This certificate is submitted by the owner to the partner bank of the social program to open a personal bank account intended for crediting the subsidy, where a young family can immediately apply for a loan.

The real estate purchased on a mortgage loan automatically becomes the property of the borrower, but until the end of the loan payments, it is pledged to the bank.

You can take part in such a program only once. An exception is the situation when a family, having received permission, for some reason did not have time to use it. Then she can get a second permit, providing a certificate stating that the bank account on the mortgage was not opened and social benefits were not received.

Money for a young family can be transferred to an account by both federal and local authorities, depending on which mortgage housing program is currently operating in this region.

Young Family Program - This is a mortgage loan issued on specific terms and intended for a strictly defined circle of people.

On the part of credit institutions, Sberbank participates in the program.

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Despite the wide popularity of the Young Family program, its conditions for many families remain incomprehensible. This is due to the fact that there are regional programs carried out on individual conditions... For the period 2011-2015 in many constituent entities of the Russian Federation, programs have been developed that are designed to support young families in obtaining housing. Their conditions differ from each other. It all depends on where the couple lives. But programs have and general requirementspresented to families. Only if they are observed, husband and wife can expect to receive benefits when purchasing housing.

General conditions of the Young Family program:

1. Age limit - Husband and wife not older than 35 are eligible to participate in the program. A similar requirement applies to incomplete families: the child's parent must not be older than the specified age.
2. Program participants must really need to improve their housing conditions... The criteria for assessing this are:
   • For each program participant, the area of \u200b\u200ban apartment (house) is less than that established by law; (cm. )
   • the husband or wife lives in a room that does not correspond to the established functions;
   • family members live in a communal apartment together with a sick person related to them by blood.

To recognize a family in need of better housing conditions, you must contact the local authorities at the place of residence.

3. Young family income Is one of the most important criteria. The family must have a regular income that will allow it to pay off the loan. In addition, the husband and wife are required to make a down payment. They pay it on the mortgage. Down payment part of the cost of the apartment in excess of the amount of the subsidy issued may also be paid.

The presence of children is not a determining or decisive factor for participation in the federal program "Young Family".

What is the size of the subsidy under the Young Family program?

The amount of subsidies depends on certain indicators:

• Cost square meter an apartment installed in a specific region; (cm. )
• The number of family members.

For a family of two, an apartment of 42 sq.m. is taken into account. If there are children in the family, then another 18 sq.m. for every child. By multiplying the area of \u200b\u200bthe apartment by its value, the result is an amount that allows you to calculate the subsidy payment. If the young family has no children, then the subsidy will be 35% of the housing price, if there is, then 40%.

Funds are not issued in cash, but in the form of a special document. This is a certificate that can be used for 9 months.

For what purposes can the Young Family subsidy be used?

• Payment for the purchase and sale of an apartment in the houses of the secondary or primary housing market;
• Payment of a contract agreement for the construction of an individual house;
• Down payment upon concluding a mortgage loan;
• Repayment debt obligationarising from a home loan received before January 2011.

What documents do you need to collect to get on the line for the Young Family program?

The package of documents is approved by law. It is provided to local authorities:

1. Statement from future participants in duplicate. You can get a sample application from your local authority, or download it from its official website. But receiving an application via the Internet does not work in all regions of Russia.
2. Identity documents of family members and their copies.
3. Confirming documents stating that future program participants need to improve their housing conditions. At this stage, certain difficulties may arise associated with the definition of the package required documents... What acts are in question, you need to ask the district administration, which will consider the issues of specific applicants. Confirmation of the fact that applicants need to improve housing conditions can be served (information has been provided since 1999), certificates and assessments of the BTI (period 1995), information from the Committee on land resources (1995-1999). In addition, evidence that a young family needs to improve living conditions is the data that each family member is provided with a living space of less than 18 sq. M.
4. Documents proving the financial situation of the family: certificate 2 personal income tax, a bank statement stating that a certain amount of money is on the account of a husband or wife.
5. Information about the registration of program participants. Information from the passport office (form 9) serves as documents confirming this fact. It is also a copy of the financial and personal account or a copy of the agreement for using the client's account from credit institution... It all depends on the requirements of the local administration. Family members need to prove the fact of registration for the last 11 years in the area in which the application is submitted.

If the participants of the "Young Family" program are a complete family, then a document certifying the fact of marriage is still needed.

Federal program "Young Family": negative aspects

The program in question has a number of shortcomings, the correction of which is still being carried out.

• The increase in the number of program participants leads to an increase in the queue;
• The main objective of the program is the construction of residential buildings for the middle class segment, but not the acquisition of new housing;
• Families with a regular income can count on participation in the program;
• Assistance on behalf of the state does not cover all monetary needs, as it is 30% of the price of an apartment or other residential premises;
• The amount of the mortgage loan is limited by the limit of 2.2 million rubles;
• Since 2011, young families cannot buy secondary housing, but only a new building;
• Before full repayment obligations family members are not full owners of the dwelling.

What are the requirements for housing under the Young Family program?

1. Buying a home is only allowed in the region where financial assistance was provided;
2. The purchased housing is registered for the husband or wife in equal shares;
3. The area of \u200b\u200bthe acquired housing must correspond to the standard of living space, which is established in the region where the program participants are present.

Participation in the federal program "Young Family" allowed many families to buy an apartment or build their own house. The project provides for assistance in paying for one third of the housing. The need to introduce the program is due to the fact that it is just this amount that citizens usually lack for the first installment.

The rules of the state program are contained in. Let's consider who can take part in the Affordable Housing for Young Family program and how the subsidy procedure works.

Who is covered by the program?

Assistance in purchasing housing is provided only to families that meet certain criteria, such as:

1. age;
2. neediness;
3. availability of income;
4. at least one of the spouses has citizenship.

The conditions of the program do not allow the participation in it of a family whose spouses are over 35 years old.

Help is provided:

• spouses, if at least one of them is under 35;
• a parent under 35 who is raising a child alone.

The age must correspond to the above at the time of the decision to include applicants in a special register for a subsidy.

You shouldn't wait until you turn 35. The day of submission of documents and the moment of making a decision on them do not coincide in time. Make sure you receive benefits in advance.

Only families in need can participate in the program who:

• registered as needing improvement in living conditions before March 2005;
• recognized as needing housing after 01.03.2005.

The grounds for recognition as needy are listed in. This should be a family using the emergency room, renting an apartment on conditions social recruitment or provided with housing, where the registration rate per person is lower than the established one (8-18 squares, this indicator differs by region).

The state program provides for subsidizing only part of the payment for real estate. The family must pay the rest of the price themselves. Therefore, in order to join the queue of young families for assistance, you must have money savings or receive income that allows you to buy a home on credit. Sufficient total income for granting a subsidy is determined depending on the number of family members and the conditions for participation in the program in a particular region.

Aid size

Within the framework of assistance to young families, the following amount of subsidies is provided:

• 30% of the estimated cost - to childless spouses;
• 35% of the estimated cost - to a parent raising a child independently and a family with children;
• + 5% of the estimated cost - for a family that, during participation in the project, has received another child (this privilege is not available to citizens in all regions - for example, it is in Nizhny Novgorod).

In order to determine the final cost of the subsidy, the formula is applied:

Estimated cost \u003d area norm per family × cost of 1 square meter.

The area rate depends on the number of family members. For two people - 42 m 2, for three and more people - 18 m 2 for each. The cost standard for 1 square may differ by region.

Money can be spent on the following purposes:

• purchase of an apartment, including economy class;
• home construction;
• first installment on a mortgage;
• repayment of a loan for the purchase of housing (in this case, the amount of assistance can be reduced to the amount remaining to be paid on the mortgage);
• last share contribution.

Important!

Under the program, it is prohibited to purchase real estate from close relatives. The new housing will be transferred to the ownership of all family members who have applied for participation in the project.

Assistance to young families provided under federal program, can be used to buy real estate in conjunction with other benefits, such as maternity capital.

What documents are required to participate?

IN local authority the authorities must show the next package of business papers.

1. Application in duplicate - drawn up in the prescribed form.
2. Copies of identification documents for each family member.
3. For a complete family - a copy of the marriage document.
4. A document proving the applicants' need for housing.
5. Income statements or other confirmation of the availability of funds to pay the balance of the property value.
6. If the subsidy is issued to repay the loan, then it is also necessary to provide an extract from the USRR (construction contract for a house under construction), a copy of the loan agreement and a certificate from the lender indicating the remaining debt.

The list of documents is submitted by one of the adult family members or an authorized person by power of attorney.

How can a young family get an apartment subsidy?

After providing the necessary documents, the family must wait for a decision by the authority. Lists of applicants for participation in the project are formed before September 1 of the corresponding calendar year. First of all, parents with many children and citizens who got on the apartment register before 2005 get into it.

The authority makes one of the decisions:

• refuse to recognize applicants as project participants;
• include the family in the list of applicants for assistance.

Refusal is possible in the following cases:

• non-compliance of applicants with established requirements;
• failure to provide any of the documents;
• unreliability of the information provided;
• the family has already once used the right to receive an apartment or a subsidy.

The procedure for providing housing operates differently in the regions. Governor's programs can narrow and expand the list of persons applying for real estate. Thus, in order to reduce the risk of refusal to receive money, it is necessary to clarify the conditions for subsidizing with local authorities.

The applicants are notified of the decision taken in writing. Within 15 days from the receipt of the letter, you must appear at the authority and write an application for a certificate.

Having received the certificate, the applicant needs to go to the bank for a month and present this document to open a bank account. Money from the state is not provided to your hands, it remains on the account until the documents for the purchase of real estate are ready.

How to use the subsidy?

After the family has decided on the housing to be purchased, it is necessary to collect documents for the bank so that it transfers the money to the seller. Depending on the purpose of using the payment, the package of business papers will differ.

To buy an apartment you need:

• bank account agreement;
• document confirming the purchase and sale transaction;
• extract from the ERGN;
• documents showing sufficient money to pay the rest of the price.

For building a house:

• bank account agreement;
• work contract with general information about the house and the calculation of the approximate cost of the object;
• title document for the land on which the construction is being carried out;
• building permit;
• documents confirming that the family has money to build a house.

To pay the first installment for obtaining housing in a mortgage, the applicant provides:

• bank account agreement;
• loan agreement;
• apartment purchase and sale agreement or work contract.

To pay off home loan debt you need:

• bank account agreement;
• credit agreement;
• extract from the USRN;
• a certificate from the lender about the amount of debt remaining to be paid.

In order to make the last share contribution, you need:

• certificate of the remaining amount to be paid;
• a copy of the charter of the cooperative enterprise;
• an extract from the cooperative register confirming the applicant's membership in the cooperative;
• an extract from the USRN on the purchase of an apartment for a family;
• a copy of the decision to transfer the premises for use to the applicant.

During the week, the bank is obliged to check the received documentation for the accuracy of the information, its legality and compliance with the purpose. If a violation is found in the business papers, the applicant is informed of the refusal to grant the subsidy and the documents are returned.

If no shortcomings are found, the bank makes a decision on the acceptance of documents and sends them to local administration application for transferring money. Five days are given to the local authority to review the application and send the funds to the bank. Within a week, the subsidy is transferred to the account of the creditor bank or the seller of the apartment.

Differences in the regions

The state program has its own regional characteristics. 30-35% of the cost of housing is provided free of charge, but the calculation of the subsidy itself and the procedure for its provision are different.

In Moscow, citizens not only have the opportunity to receive assistance, but can also participate in mortgage program... Loan terms for young people are very loyal - 10% per annum for a ten-year period. To participate in the program, you must have lived in the capital for more than 10 years.

It is also necessary to live in St. Petersburg for a decade, but the norms here per person are reduced, a person with less than 9 square meters of space can get an apartment.

In many cities, using a subsidy, you can only buy housing in a new building. But this rule does not apply in all regions.

Conclusion

The Young Family program is very popular because young people do not have the opportunity to save enough money for the first installment. Within the framework of the project, the state subsidizes 30-35% of the cost of housing. To take part in the program, you must have the appropriate age, income level, be a citizen of the Russian Federation and be registered with the apartment.

According to the law Russian Federationfamilies who have problems with housing or need to improve their living conditions have the opportunity to participate in the program "Providing housing for young families".

The amount of assistance provided may vary. Minimum amount the subsidy is 30% of the market value of an apartment or house.In the case of more than one child, the amount of state social assistance may increase to 40%.

In this article, we will only talk about the queue for the "Young Family" program. Read about other types of queues

How to get in line?

To join the queue for the "Young Family" program, you must collect a package of necessary documents, as well as meet the criteria established by law.

Financial support is provided through the granting of a subsidy.

Important conditions for obtaining state aid for the purchase of housing.

You can find more details in our separate article on. The basic requirements are as follows:

1. Spouses must not be over 35 years old.
2. The presence of a written confirmation of the special commission that the family really needs housing.
3. One of the newlyweds must be a citizen of the Russian Federation.
4. The spouses do not take part in other government programs at the same time.

IMPORTANT! The advantage of receiving government subsidies is large families and those who live in a dilapidated house.

So, in order to to get in line, you should go to the relevant department of the district administration.

You also need to submit an application (as provided and established by law). After that, the relevant documents are submitted:

• spouses' passports - original, copy;
• a child's birth certificate or other document certifying the fact of his birth - a copy, original;
• marriage certificate;
• documents that demonstrate the income level of both family members;
• certificate of registration or family composition (issued in passport office on demand);
• document proving the absence of debts for utilities (not required in all regions);
• a document that certifies that both spouses do not own any real estate.

REFERENCE. Often, documents can be submitted electronically. To do this, you need to go to the site of the district administration and register.

What happens after the application is submitted?

After submitting the documents, it remains to wait for a positive answer. Usually 10 days are allotted for making a decision and another 5 for notification.

ATTENTION! After an affirmative answer, one of the spouses should visit the city administration within a month to receive a document (certificate) confirming participation in the program.

Unified lists of participants: how long to queue and how to check your number?

This is followed by waiting for an invitation to receive government subsidies in order of priority, which is different in each region.

The federal program "Housing", developed in 2002, has not yet lost its relevance. It allows citizens of different categories to improve living conditions for their families.

Let's take a look at what has been done during this time. How do I get a home subsidy? How have the conditions for participants changed?

Description of the state program "Housing"

The federal target program "Housing" is a nationwide program, that is, its activities are implemented on the territory of all subjects. It is aimed at solving naturally occurring housing problems for young citizens and families.

The project is divided into stages. The current one was developed in 2010, approved by Decree of the Government of the Russian Federation No. 1050. This document described the conditions for the action of events, sources of funding, determined the categories of citizens who are entitled to preferential subsidies.

By Resolution No. 889 of August 25, 2015, the Federal Target Program "Housing" was extended for 2016-2020.

This document regulated the creation of subprograms of the above FTP:

1. Modernization of utility infrastructure facilities.
2. Providing housing for young families.
3. Stimulating housing development programs in the regions.
4. Providing housing for certain categories of citizens.
5. Fulfillment of state obligations to provide housing for categories of citizens established by federal legislation.

Thus, the FTP was detailed in order to improve the efficiency of its activities. In particular, it began to cover a larger number of young citizens.

In addition, the program activates the detail of enterprises that form the housing market. Public funds received by young families should increase the demand for houses and apartments. This, in turn, leads to the construction of more livable, sustainable and comfortable spaces.

What do program participants get

The problem of providing citizens with housing is one of the most acute today. Buying a home is expensive and not available to most young people.

Participation in the activities of the subprogram to provide housing for young families and citizens, established by federal legislation, enables these individuals to purchase their own apartment with the help of the state on favorable terms.

The state will pay part of the funds for them, and the rest of the program participants must find themselves. It can be both your own savings and borrowed mortgage funds.

The state expects to finance from 30 to 35% of the purchase price of a house or apartment for young families. For the rest of the participants in the subprograms, a money certificate is also issued for a certain amount, which they have the right to spend only on the purchase of housing. Specific figures depend on the preferential category and other starting conditions. However, the program participant is obliged to prove his own solvency. All the money will not be paid for it.

Estimated is taken into account, not market price property.

It is envisaged to repay part of the loan provided under the state program from the maternity capital.

As part of the subprogram to stimulate the development of housing construction, the state subsidizes the constituent entities of the Russian Federation, municipalities and legal entities that have received loans for the purpose of providing engineering infrastructure land plotsintended for the construction of economy class housing, construction of social infrastructure facilities, construction highways in new areas, etc. Certificates can also be issued to families with 3 or more children.

As part of the subprogram to provide housing for certain categories of citizens, it is planned to provide housing for such categories of citizens as government civil servants, employees of the prosecutor's office, employees of the Investigative Committee, employees of the emergency rescue service, etc., as well as the provision of social benefits for the purchase of housing for young scientists ... In addition, the objectives of the program include the completion of the construction of hostels for students and young scientists; resettlement of citizens living in the landslide zone of Ingushetia, resettlement of citizens from living quarters recognized as unfit for living and other socially important tasks. For the purposes of this program, the state annually subsidizes the Agency for Housing Mortgage Lending and Russian credit organizations.

The purpose of the subprogram for the modernization of communal infrastructure facilities is to create conditions for bringing the communal infrastructure in line with quality standards that ensure comfortable living conditions. The activities of the subprogramme provide for co-financing from funds federal budget completion of construction and reconstruction of communal infrastructure facilities.

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What goals does the state set for itself?

The government is obliged to develop all spheres of the economy, while taking care of vulnerable citizens. The Housing state program meets these criteria. Its goals are manifold.

They are summarized in the Resolution as follows:

1. Create a profitable terms for the development of the market for affordable and comfortable economy class housing.
2. Curbing the rise in house prices.
3. Maintaining effective demand for housing.
4. Increase in the volume of housing commissioning and development of the construction industry.
5. Provision of state support to citizens in need of better housing conditions.
6. Fulfillment of the state's social obligations to provide housing for young families and certain categories of citizens.
7. Comprehensive development of territories for housing construction, including the provision of land plots with engineering, social and road infrastructure.

Special attention in the events is paid to beneficiaries. The priority categories of citizens, except for young families under 35, are:

• servicemen who retired due to seniority;
• police officers, prosecutors, investigative committee;
• scientists;
• liquidators of the accident at the Chernobyl nuclear power plant;
• rescuers;
• citizens subject to resettlement from closed military cities, settlements, closed cities;
• citizens exposed to radiation as a result of the disaster at the Chernobyl nuclear power plant and the accident at the production association "Mayak";
• citizens recognized as forced migrants leaving the regions of the Far North;
• citizens living in premises recognized as unsuitable, with high level wear and tear living in the area of \u200b\u200bthe Baikal-Amur Mainline.

By the decision of the President of the Russian Federation or by the Resolution of the Government of the Russian Federation, the list of beneficiaries may be expanded or adjusted.

The program is about economy class houses and apartments!

Main criteria for selecting participants

Only citizens of the Russian Federation can apply for a subsidy. The state program "Provision of housing for young families" applies to young people under the age of 35; target program.

Also, additional conditions may be presented to the participants, for example, solvency, because only part of the funds for the purchase of housing is allocated to a young family, they must have the remaining amount in a bank account or receive approval under one of the credit programs banks.

Participants in the program for providing housing for certain categories of citizens must only have a place of work or a place of registration corresponding to the program in the areas indicated in the action plan from where the resettlement of citizens is planned.

Requirements for legal entities, municipalities and the subjects of the Russian Federation are also set out in detail in the already mentioned Decree. There you can also get acquainted with the criteria for their selection for participation in competitions for subsidies.

Where to contact potential participants

Having decided on his intentions, the citizen must come to the administration of the city (town, village) in which he lives.

In addition, you must have with you the documents required for registration as in need of improvement in living conditions. Appeals are considered on a commission basis. The state body is obliged to respond to the applicant within 10 days. The term is counted from the date of submission of the application.

Citizens for whom housing can be obtained for the debt of work or service need to contact the appropriate department at work.

Frequently asked questions about participation in the program

The documents indicate that measures to provide young families with housing are designed only for young families. However, a single person who meets the restrictive age criteria can apply. According to the Family Code, it is also a separate unit of society.

It is important to have time to decide on your intentions before the age of 35.

According to the current federal program, the age of each of the spouses or one parent in an incomplete family on the day of the decision by the executive authority of the constituent entity of the Russian Federation to include a young family participating in the activities of the departmental target program in the list of applicants for social benefits in the planned year does not exceed 35 years.

More detailed conditions for participation are described in regional programs, which may slightly differ from federal ones in favor of citizens.

However, it should be remembered that there is a clause in the federal program that allows regional authorities exclude citizens even from already approved lists. It states that if at the time of the formation by the executive authority of the constituent entity of the Russian Federation lists of young families - applicants for social benefits in the corresponding year, the age of at least one of the members of the young family exceeds 35 years old, such a family must be excluded from the list of young families - participants in the departmental target program in the manner established by the executive authority of the constituent entity of the Russian Federation.

Achieved results

It is too early to say that the main goals of the Housing state program have been achieved. There was no decline in the cost of apartments and houses, as well as the percentage of young families with satisfactory living conditions.

Nevertheless, there are some successes. So:

• the share of private housing of Russians is gradually increasing;
• mortgage lending is developing;
• volumes of commissioned housing stock grow;
• the infrastructure of cities is being modernized by using funds from the budget and citizens;
• the resettlement of citizens from dilapidated housing, emergency housing and from the regions of the Far North is gradually being organized.

Maximum amount preferential loan is 3 million rubles, and in the capital and St. Petersburg - 8 million rubles.