- Military mortgage as an alternative scheme of monetization of benefits
- Dreams come true: people in uniform are becoming Muscovites
- Mini-city from scratch, or All for military
- The advantages of housing on the left bank, or the secret of the houses of the I-155 series
- Year 2015: the list of military waiting list is reduced ...
- The realities of today: the Defense Ministry ceases to be a builder
- Military subsidy for housing. Why is it profitable?
- Housing subsidy for military personnel: visible to the root
- Provision of housing to the military: the basic conditions of subsidization
- Orders and their fate
- Increased demand for real estate as a response to subsidized waiting list
The housing subsidy program adopted by the Russian government is gaining momentum. This is evidenced by the recent statement of Sergei Pirogov - Head of the Department of Housing MO. According to the official, the housing issue that is always relevant for people in the form in 2015 will be resolved positively, and by 2023 the issue of the shortage of square meters in the department under its control will no longer be relevant. Given the fact that the Ministry of Defense has set a course for a radical transformation of the algorithms for the provision of housing, such ambitious plans are quite realizable.
The emphasis on replacing in-kind obligations with highly tangible financial assistance is, of course, justified. Only in the last two years, the waiting lists have decreased by almost 2.3 times. Similar rates of distribution of apartments among the military in modern Russia have not yet been …
Military mortgage as an alternative scheme of monetization of benefits
For many years, the high prices in the New-Throne Hometown did not allow even senior officers to think about their own roof over their heads, not to mention the sergeant staff and ordinary defenders of their homeland.
And here it is, the long-awaited and pleasant news for the servicemen - an unofficial ban on the allocation of apartments in the capital has been removed. Moreover, an absolutely new approach to solving a painful problem has been proposed. Everyone who can give housing to the military in Moscow (and not only) can learn about it by calling the hotline of the Russian Defense Ministry (or by contacting the authorized representatives of regional military authorities).
The whole point of the mortgage lies in the fact that the state pays the military’s debt to the bank, but at the same time puts a condition to the borrower: if he leaves the service before the loan is repaid, he will be forced to return the full amount plus interest to the budget.
Dreams come true: people in uniform are becoming Muscovites
The country's leaders are well aware that the provision of housing for the military is an extremely important task. Confident in the future officer - this is the foundation of an efficient army. And although it was risky to break the old stagnant system, the leadership of the Ministry of Defense consciously took this step.
The result, as they say, is obvious: if a couple of years ago, lieutenants and colonels thought about whether they would be given square meters according to the law, then since last summer the question lies somewhat differently: where will the military give housing?
In Moscow, the distribution of apartments among the waiting list in the so-called military houses is already in full swing. An illustrative example is the neighborhood Levoberezhny. A fundamentally new approach has been implemented here: a soldier (or retiree), who is also a potential owner, assesses the apartment under construction in advance, and only then, in the absence of comments, does the paperwork process begin.
Mini-city from scratch, or All for military
Thanks to the SU-155 group of companies, the north-west of Moscow (in the district of Khovrino) has been transformed beyond recognition in two years. We are talking about a whole microdistrict from scratch: more than twenty residential buildings with appropriate municipal registration and proper level of improvement of the adjacent territory, more than 4.7 thousand new apartments with a total area of about half a million square meters …
Despite the fact that modern and comfortable housing for the military on Levoberezhnaya street was built at a record pace, the quality of the work can be envied by many elite new buildings. Without exception, all houses are connected to utilities, the apartments are equipped with plumbing and electric stoves, interior decoration is pleasing to the eye.
Particular emphasis is placed on the functionality of buildings and their energy optimization: automatic systems take into account water and heat consumption, conduct continuous monitoring of the state of intra-house networks.
The advantages of housing on the left bank, or the secret of the houses of the I-155 series
If the choice to offer housing to the military in Moscow, Levoberezhna Street, of course, will be out of competition. Yes, at first there were complaints about a weak traffic intersection. But the project, brought to life by the SU-155 group of companies, leveled all the flaws of the remote Khovrino. Add to this the high sound and thermal insulation of apartments, ramps on staircases, elevator lifts of the business class - well, what are not new buildings in the capital Molzhaninov? Moreover, the price per square meter is significantly lower than the elite.
Year 2015: the list of military waiting list is reduced …
According to Igor Lysenko, the first deputy of Pirogov, this year more than 22 thousand servicemen will become owners of residential real estate. These people had the exclusive right to wait for their apartment from the Ministry of Homeland to issue apartment warrants. However, they chose a different path - they took advantage of the housing subsidy program.
The media has repeatedly leaked information that because of the crisis, project funding can be cut from 40 to 30 billion rubles. But in any case, the funds received from the state should be enough to buy a good apartment in the vast majority of regions.
If we talk about where the military will give housing in Moscow for this program, then this is all the same Levoberezhnaya street - the new “small homeland” of the people on the waiting list. Of course, buy for 8.6 million rubles. a three-room apartment here is unlikely to work out, so the main priority is the “two-room apartment” and the “one-room apartment”. However, one should not forget about the nearest Moscow region - for the indicated amount it is able to please with non-standard options. Moreover, the receipt of the subsidy does not impose any geographical obligations regarding the place of purchase of the house / apartment.
The realities of today: the Defense Ministry ceases to be a builder
Budget funds for the construction of departmental housing for the military in 2016-2017. not provided. The Ministry of Defense is no longer willing to play the role of foreman, and therefore, the housing subsidy is the main and only mechanism by which housing will be distributed in the future. By the end of this year, the military in Moscow will be offered remnants, that is, everything that the department has at the moment (due to bureaucratic delays, some apartments did not find their rightful owners in 2014). This is primarily about new buildings on Sinyavinskaya street. There are not so many apartments there, and the choice, as Pirogov said, is small. But there are no more apartments in the departmental housing stock of the capital, nor will there be.
Military subsidy for housing. Why is it profitable?
The old and ineffective scheme for providing servicemen with housing has long been exhausted. A striking confirmation of this - thousands of people on the waiting list, who for years beat down the thresholds of high cabinets in search of justice. Therefore, the initiative of the Ministry of Defense, aimed at getting as far as possible from the target construction of square meters and changing the “natural rent” to financial assistance, looks natural.
Housing subsidy in the army - this is essentially all the same bank loan. With the only proviso that the money received must necessarily be sent to purchase a house / apartment or to build housing on its own.
The program for Russia is new, and therefore it is too early to draw any conclusions about the prospects in terms of the actual return from its implementation. In any case, now we can note a number of positive points:
- the emergence of a real prospect for young servicemen;
- free choice of place of residence;
- reduced waiting time for new housing;
- motivation of the younger generation to serve in the army.
Housing subsidy for military personnel: visible to the root
Military mortgage accommodation is a program aimed at attracting the banking sector.
The lion's share of funds (up to 80%) required for entry into the ownership of a house or apartment is allocated from the federal budget. The buyer repays only part of the value of the property (as a rule, about 20%).
The size of the subsidy is influenced by additional factors. In particular, the regional location of real estate, the number of family members, the presence / absence of awards and merit, seniority, and so on. In addition, the legislator singled out the category of privileged applicants for housing subsidies. It includes holders of colonel ranks and the entire general staff (for them there is a special multiplying factor).
Provision of housing to the military: the basic conditions of subsidization
According to the official doctrine, military housing allowance is granted to all, without exception, that is, officers of the junior, senior and higher commanding staff. But its size is individual and is calculated on the basis of basic parameters: the number of dependents in the family of a soldier, his experience, the presence / absence of the right to another suitable for living space. These and some other criteria determine the magnitude of the multiplying factor, and that, in turn, gives a final idea of the amount of the relying subsidy. On the website of the Ministry of Defense posted a special calculator that simplifies the procedure for calculating cash compensation.
Thus, an average family consisting of 4 persons is entitled to claim for 4.5 million rubles, provided that the length of service of a serviceman ranges from 10-15 years. The length of service from 15 to 20 years automatically raises the bar to 6.7 million rubles; military experience of 25 years or more guarantees the receipt of 8.2 million rubles. The maximum possible amount provided as compensation for military housing is 13.5 million rubles.
Orders and their fate
The orders in the army circles are people who, de facto, no longer have any relation to the armed forces, but de jure are among the ranks of the valiant defenders of the Fatherland. In anticipation of the answer to the question of where they will be providing housing to the military in Moscow, these people repeatedly refused to offer to provide them with real estate in other regions of the country. And at the same time they received a monthly salary. Until recently, it was impossible to dismiss such "warriors" without providing an apartment. Now, on the initiative of the president, changes have been made to the law. The executives are faced with a choice: either they agree to an apartment / subsidy, or they leave for firing reserve.
Increased demand for real estate as a response to subsidized waiting list
The practical implementation of new forms of providing servicemen with a roof over their heads, including military mortgages, made it possible for 85-95% to satisfy the requests of the people on the waiting list in Tula, Kaluga, Krasnodar and the Northern Capital.
But the Moscow region can not yet boast of such indicators. Blame the hype. Statistics of the Department of Housing suggests that more than 40% of servicemen opt for the mother of Russian cities.
Market appetites Pervoprestolnoy sometimes several times higher than the amount by which compensation for housing is measured. It would seem that the military should have thought about it. But no, the thirst to live in a city with the most developed infrastructure takes its own. Hence the boomerang effect: the higher the demand, the higher the price of the product, that is, the real estate …