Targeted subsidies for housing have appeared in Belarus. Targeted subsidies for housing: how the new mechanism will work

Continuation. Starts at No. 13

Procedure for calculating the amount of the subsidy

The procedure for calculating the amount of the subsidy and its use for improving housing conditions is contained in the Regulations on providing citizens of the Republic of Belarus with one-time free subsidies for the construction (reconstruction) or purchase of residential premises (approved by Resolution of the Council of Ministers of the Republic of Belarus dated April 30, 2002 No. 555, with subsequent amendments and additions) and Instructions on the procedure for calculating one-time gratuitous subsidies for the construction (reconstruction) or purchase of residential premises (approved by Resolution of the Ministry of Construction and Architecture dated September 4, 2003 No. 15).

A subsidy is a form of state gratuitous material support provided to citizens to improve their living conditions in the form of funds, gratuitous transfer (including housing quotas) or sale at preferential prices of unfinished residential premises or inefficiently used buildings and structures that are subject to reconstruction and re-equipment for residential premises, sales of standing timber at preferential prices. The specified types of state gratuitous material support in total in value terms (including housing quotas) cannot exceed 70 percent of the cost of construction, normalized for a family of the total area of residential premises of typical consumer qualities.

A cash subsidy can be accrued in the amount of up to 70% (taking into account the indexed “Housing” checks) of the cost of construction of the standard total area of residential premises of typical consumer qualities at the rate of 20 square meters of total living area for one family member (when constructing a one-room apartment for one person - 36 square meters).

The amount of the subsidy is determined as the sum of its basic share and housing quotas ("Housing" checks) of the citizen receiving the subsidy and his family members who, in accordance with the law, have the right to index housing quotas and who have expressed a desire to improve housing conditions through the construction (reconstruction) or purchase of residential premises using a subsidy.

The standard for the total area of residential premises taken into account when calculating the amount of the basic share of the subsidy is reduced by an amount representing the difference between the total area of residential premises owned by the applicant for the subsidy and members of his family in the locality at the place of their residence or occupied by them under an agreement rental, and the maximum norm established by law for the provision of the total area of residential premises for social use, due to the remaining family members living in this residential premises.

The base subsidy share is calculated using the maximum cost standard for 1 sq.m. approved by the Ministry of Architecture and Construction. meters of total living space, but not higher than the total construction cost of 1 sq. meters of total area in a particular house.

The specific amount of the basic share of the subsidy provided to citizens is determined (as a percentage of the cost of construction of the standard for the total area of residential premises of typical consumer qualities established for a family) depending on the time spent on the apartment register and the income per family member, calculated in the minimum consumer budgets (see . table). For citizens entitled to receive a subsidy out of turn, the basic share of the subsidy is accrued regardless of the time they are registered as needing improved housing conditions in the maximum amount, taking into account other established criteria.

Procedure for provision and use of subsidies

The basis for considering the possibility of providing a subsidy to a citizen is his application addressed to the chairman of the local executive and administrative body, the head of the organization in which the citizen is registered as needing improved housing conditions.

Simultaneously with the application, the applicant for a subsidy submits to the subsidy service information about the total income and property status of the applicant and his family members who are improving their living conditions together with him, in accordance with the Regulations on classifying citizens as low-income able-bodied people to receive state support for construction ( reconstruction) or acquisition of residential premises, approved by Resolution of the Council of Ministers of the Republic of Belarus dated December 20, 2000 No. 1955. Additionally, an applicant for a subsidy to the subsidy service, if necessary, submits:

during the construction (reconstruction) of single-apartment, semi-detached residential buildings - a copy of the certificate (certificate) of state registration of the land plot or a copy of the state act on the right of ownership of land or the right of lifelong inheritable ownership of land;

when purchasing residential premises - a preliminary agreement;

a notarized obligation with the written consent of all adult family members to not register ownership of the residential premises occupied under a lease agreement with its subsequent vacancy.

To make a decision on providing a subsidy to a citizen, the subsidy service of the local executive and administrative body, the organization, requests and receives in accordance with Decree of the President of the Republic of Belarus dated September 13, 2005 No. 432 “On some measures to improve the organization of work with citizens in government bodies and other government organizations " the following documents:

during the construction of residential premises as part of a developer organization, in the order of shared participation in housing construction under an agreement with the developer or another agreement on housing construction:

an extract from the decision of the local executive and administrative body on the inclusion of a citizen in the organization of developers, or a copy of the agreement on shared participation in housing construction, or a copy of another construction agreement;

a certificate of the estimated cost of construction of residential premises in basic prices and prices valid on the date of filing an application for a subsidy (issued by the management of the developer organization, the developer);

during the construction (reconstruction) of single-family residential buildings or apartments:

copies of documents confirming that the recipient of the subsidy has design documentation approved in the prescribed manner and a permit for the construction (reconstruction) of a residential building or apartment;

a certificate of the estimated cost of construction (reconstruction) of a residential building or apartment, the cost of work performed and purchased materials and products in basic prices and prices valid on the date of filing an application for a subsidy;

during the reconstruction and re-equipment of inefficiently used buildings (structures) for residential premises:

a copy of the agreement on the gratuitous transfer or preferential sale of an inefficiently used building (structure) subject to reconstruction and conversion into residential premises;

a copy of the permit for reconstruction and re-equipment;

a copy of the contract for reconstruction and re-equipment;

a certificate of the estimated cost of reconstruction and re-equipment;

when purchasing residential premises;

a copy of the technical passport for the purchased residential premises;

a certificate of the estimated value of residential premises, issued by the territorial organization for state registration of real estate, rights to it and transactions with it or the village Council of Deputies.

Based on information about the total income and property status of the applicant and his family members who are improving their living conditions with him, the subsidy service determines whether or not the applicant for a subsidy has the funds necessary to cover the difference between the full cost of construction (reconstruction) or purchase of a residential property. premises and the amount of subsidies provided.

For citizens entitled to joint use of preferential loans and subsidies, a certificate about the amount of an open credit line for housing construction, the amount of a loan received against an open credit line, or a certificate stating that the loan was not issued is provided by a separate division of the Belarusbank JSB. at the request of the subsidy service of the local executive and administrative body, organization in accordance with Decree of the President of the Republic of Belarus dated September 13, 2005 No. 432.

If the applicant does not have the funds to cover the difference between the full cost of construction (reconstruction) or purchase of residential premises and the amount of the subsidy provided, the local executive and administrative body, the management of the organization may refuse to accrue a subsidy. The applicant has the right to re-apply for a subsidy after he has the necessary funds.

The subsidy service verifies the accuracy of the information specified in the application, calculates the amount of the subsidy, explains to the recipient of the subsidy the conditions for its transfer to the special account “Subsidy” and the procedure for further use, submits for consideration of the local executive and administrative body a draft decision on the accrual of the subsidy, and in cases of refusal, when providing a subsidy, informs the applicant for a subsidy about the reason for the refusal.

One copy of the decision of the body providing the subsidy, indicating the amount of the accrued subsidy, the subsidy recipient’s own or borrowed funds, the intended use of the subsidy, is issued to the citizen, another copy is sent to a separate division of the Belarusbank JSB.

If the legislation provides for a fee for the issuance of documents requested by the subsidy service of the local executive and administrative body, organization, a copy of the decision of the body providing the subsidy is issued to the citizen after he has paid such a fee. There is no fee for issuing a copy of the decision on the subsidy to a citizen.

Based on the specified copy of the decision, a separate division of the Belarusbank JSB enters into an agreement with the subsidy recipient to open a special “Subsidy” account and make payments on behalf of the subsidy recipient during construction (reconstruction) or when purchasing residential premises.

For citizens entitled to joint use of a subsidy and a preferential loan, a special “Subsidy” account is opened in a separate division of the Belarusbank JSB at the place of their lending.

Citizens exercising the right to joint use of subsidies and preferential loans for the construction (reconstruction) of residential premises are provided with a subsidy during the construction (reconstruction) process. Lending is carried out in the prescribed manner within the limits of the construction cost of the remaining part of the standardized size of the preferentially loaned area minus the amount of the subsidy received.

When citizens who have received preferential bank loans apply, the subsidy is provided in the amount accrued in the prescribed manner, within the remaining part of the cost of construction of the standardized size of the preferentially credited residential area.

Upon submission of all necessary documents, the subsidy is transferred to a special account "Subsidy" in the name of its recipient in a separate division of the JSB "Belarusbank" depending on the method of construction (reconstruction) or acquisition of residential premises:

at the location of the current (settlement) account of a developer organization or an organization that has entered into an agreement with a citizen who is the recipient of a subsidy for shared participation in construction;

at the place of purchase of residential premises that have not been completed with the construction of a building (structure) subject to reconstruction and conversion into residential premises, or building materials, products and equipment during the construction of housing on their own.

After the subsidy is transferred to the special account “Subsidy”, a corresponding note is made in the accounting file of the citizen who is registered as needing improved housing conditions, to whose special account the subsidy is transferred.

Cash subsidies provided to citizens are used in non-cash form in the form of payments transferred on the written instructions of the subsidy owner by a separate division of the Belarusbank JSB:

developer organizations, developer (contractor) - during the construction of residential premises by shared, contract method;

to the seller - when purchasing residential premises that have not been completed with the construction of buildings (structures) that are subject to reconstruction and conversion into residential premises, building materials, products and equipment during the construction of housing on their own.

In cases where a citizen refuses to build a residential property or is excluded from the list of developers, the funds transferred from the special “Subsidy” account must be returned to local budgets or to the account of the organization that provided the subsidy. The return of funds is ensured by the developer organization carrying out the construction of a residential building, or by the citizen who carried out the construction of a single-apartment residential building or apartment by way of shared participation.

If, on the date of return of the subsidy, the regional index of changes in the cost of construction and installation work has increased in relation to the index in effect on the date of transfer of the subsidy to the special account “Subsidy” in a separate division of the Belarusbank JSB, the returned subsidy is indexed. To do this, the amount of the accrued subsidy is multiplied by a coefficient calculated by dividing the regional index of changes in the cost of construction and installation work valid on the date of indexation by the index valid on the date of transfer of the subsidy.

If funds were not transferred from the special “Subsidy” account for the construction of residential premises, they are returned by a separate division of the Belarusbank JSB, taking into account accrued interest in the amount provided for demand deposits.

In the event of a citizen leaving the membership of the developer organization and another citizen entitled to a subsidy being included in their membership, the subsidy is returned in the prescribed manner by the developer organization to the local budget or to the account of the organization that provided the subsidy.

A citizen included in the developer organization instead of someone who left is provided with a subsidy in the prescribed manner.

Disputes arising during the provision of a subsidy are considered by a higher local executive and administrative body or court in the manner established by the legislation of the Republic of Belarus.

TABLE

to determine the size of the basic subsidy share

(as a percentage of the cost of the standard for residential construction

premises of standard consumer qualities)

Time spent on the register, years	Income per family member, calculated in minimum consumer budgets
Time spent on the register, years	up to 1.0 incl.	over 1.0 to 1.1	over 1.1 to 1.2	over 1.2 to 1.3	over 1.3 to 1.4	over 1.4 to 1.5	over 1.5 to 1.6	over 1.6 to 1.7	over 1.7 to 1.8	over 1.8 to 1.9	over 1.9 to 2.0	over 2 to 2.5	over 2.5 to 3
Up to 5 years	30	26	21	17	13	9	0	0	0	0	0	0	0
6	32	28	23	19	15	11	6	0	0	0	0	0	0
7	34	30	25	21	17	13	8	0	0	0	0

Decree No. 240 has already entered into force on August 7. This means that the allocation of targeted subsidies is about to begin. Who and how will the state support with rubles in their dream of finding their “square meters”? The national legal Internet portal pravo.by has compiled a “cheat sheet”.

Only those who are registered as needing improved housing conditions will receive the right to benefits.

Subsidies will be issued to pay off interest:

1. Beneficiaries from the 13th decree

The preferential category of citizens listed in the decree of January 6, 2012 No. 13 “On some issues of providing citizens with state support during the construction (reconstruction) or acquisition of residential premises.”

(These are military personnel; large families; citizens whose families include disabled children, as well as people with disabilities from childhood of groups I and II; citizens who have fallen ill and have suffered radiation sickness; citizens living in residential premises recognized in accordance with the established procedure as unsuitable for living those living in dormitories or renting housing for more than 10 years and not owning a meter of housing on the territory of the Republic of Belarus and several other small categories.)

2. Prosecutor's employees

Current prosecutorial employees and those already dismissed due to age, health status, as well as due to a reduction in the number or staff of employees (in connection with organizational and staffing measures). The length of service in the prosecutor's office is important here - at least 5 calendar years.

3. Residents of a poor region

Low-income citizens who are building or reconstructing housing in the Mogilev region (in the territories of Krichevsky, Klimovichi, Krasnopolsky, Kostyukovichsky, Slavgorodsky, Cherikovsky and Khotimsky districts).

To repay the principal debt and part of the interest, subsidies will be given to:

1. Large families with 3 or more minor children.

2. To young low-income families at the birth (adoption) of the first and (or) second child.

3. Orphans and children without parental care.

4. Tenants of social housing, which was provided to them as orphans and children left without parental care. The subsidy can be allocated while the fixed-term rental agreement for such residential premises is in force.

What will the subsidies be given for?

1. For the construction of housing in multi-apartment and semi-detached buildings of economy class, which 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-apartment residential buildings(executive committees direct construction work in such houses in order of priority).

2. For the reconstruction of residential premises.

What can be paid for with subsidies?

1. Only part of the interest on a home construction loan obtained from any commercial bank.

2. Part of the interest and principal on the loan.

Unlike a preferential loan, compensation from the budget will be paid not to the bank, but directly to the citizen.

What is the amount of subsidies for paying part of the loan interest?

1. For large families with 3 minor children - refinancing rate + 2%*.

2. For large families with 4 or more minor children - refinancing rate + 3%*.

3. Large families with 3 or more children under 23 years of age, as well as orphans - refinancing rate + 2%*.

*if a lower interest rate on the loan is not established in the agreement

4. For others in need of improved housing conditions: refinancing rate minus 2%. That is, now it is 9.5%.

What is the amount of subsidies for repayment of the principal debt?

Only for young and large families, orphans:

1. For families with many children with 3 minor children - 95% of the principal debt on the loan.

2. For large families with 4 or more minor children - 100% of the principal debt on the loan.

3. For young families at birth (adoption):
— first child — 10% of the loan principal;
- second child - 20% of the loan principal.

4. For orphans - 35% of the loan principal.

The amount of the subsidy will be recalculated if the composition of the family changes (first the base cost of the loan will be recalculated, then appropriate changes will be made to the decision of the district (city) executive committee).

Since Belarusbank and Belagroprombank now issue loans for housing construction for 20 years at 14.5% per annum (refinancing rate + 3%), in practice, repaying the debt to these banks through targeted subsidies looks like this:

1. For large families with 3 children, the subsidy will cover 13.5% (refinancing rate 11.5% + 2%) per annum out of 14.5%.

2. For large families with 4 children, the subsidy will fully cover the payment of annual interest on the loan (14.5% per annum - 14.5% subsidy)

3. For everyone else, the subsidy will cover 9.5% per annum out of 14.5%.

Subsidies in numbers and examples

Example 1. A family of 3 people with a disabled child was assigned on a first-come, first-served basis to the shared construction of a 3-room apartment with a total area of 70 sq. m. meters. Cost of 1 sq. meter - 800 rubles.

The maximum standardized cost of residential premises for providing a subsidy for the payment of part of the interest to this family will be 35,640 rubles: 20 sq. meters* x 3 people x 660 rubles** x 90%.

Example 2. A family of 3 people with a disabled child was assigned on a first-come, first-served basis to the shared construction of a 3-room apartment with a total area of 70 sq. m. meters. Cost of 1 sq. meter - 800 rubles. However, the family already owns a 1-room apartment with an area of 30 square meters. meters.

In this case, the maximum standardized cost of residential premises to provide a subsidy for the payment of part of the interest to this family will be 17,820 rubles: (20 sq. meters x 3 people - 30 sq. meters) x 660 rubles x 90%.

Example 3. A large family with 3 children in order was sent to share construction of a 4-room apartment with a total area of 90 sq. m. meters. Cost of 1 sq. meter - 800 rubles.

The maximum standardized cost of residential premises to provide a subsidy for the payment of part of the interest for a given large family will be 66,000 rubles: 20 sq. meters x 5 people x 660 rubles x 100%.

Example 4. A large family with 3 children in order was sent to share construction of a 4-room apartment with a total area of 90 sq. m. meters. Cost of 1 sq. meter - 800 rubles. The family already owns a 1-room apartment with an area of 30 square meters. meters.

The maximum standardized cost of residential premises to provide a subsidy for the payment of part of the interest to this family will be 46,200 rubles: (20 sq. meters x 5 people - 30 sq. meters) x 660 rubles x 100%.

Example 5. A large family with 3 children takes out a loan for the construction of a single-family residential building with a total area of 150 square meters. meters in a settlement with a population of up to 20 thousand people. Cost of 1 sq. meter of house (excluding the cost of outbuildings) - 1000 rubles. The construction of a residential building (excluding the cost of outbuildings) will cost the family 150,000 rubles. The cost of outbuildings is 15,000 rubles.

The maximum standardized cost of residential premises for providing subsidies to this large family (excluding the cost of outbuildings) will be 66,000 rubles: 20 sq. meters x 5 people x 660 rubles x 100%.

The maximum standardized cost of residential premises for providing subsidies to this large family, taking into account the cost of construction of outbuildings provided for in the design documentation, will be 79,200 rubles: 66,000 rubles x 20% + 66,000 rubles.

Example 6. A family of 3 people with a disabled child was sent on a first-come, first-served basis to the shared construction of a 3-room apartment with a total area of 70 sq. m. meters. Cost of 1 sq. meter - 800 rubles.

The maximum standardized cost of residential premises for providing a subsidy for the payment of part of the interest to this family was 35,640 rubles: 20 sq. meters x 3 people x 660 rubles x 90%.

However, while the apartment was being built, another child was born into the family. Therefore, the maximum standardized cost of residential premises for providing a subsidy for the payment of part of the interest to this family was recalculated. As a result, it amounted to 47,520 rubles: 20 sq. meters x 4 people x 660 rubles x 90%.

For reference:
20 sq. meters - the standard for the total area of residential premises under construction (reconstruction), established in subclause 1.5 of Decree No. 13.
660 rubles is the maximum cost standard for 1 sq. m. meters of total living area, defined in paragraph two of paragraph 8 of the resolution of the Council of Ministers of December 29, 2016 No. 1113.

About 135 million rubles are provided for targeted subsidies in housing construction from the funds of Belarusbank and Belagroprombank. Later, commercial banks will join them, he said at a briefing on July 6 BELTA Head of the Housing Policy Department of the Ministry of Architecture and Construction Alexander Gorval.

Alexander Gorval. Photo BELTA

As reported, Alexander Lukashenko On July 4, he signed “On state support for citizens during the construction (reconstruction) of residential premises.” In addition to the current system of preferential lending for housing construction, a new type of state support for citizens in need of improved housing conditions is being introduced - state targeted subsidies. They will be provided to pay part of the interest for using a loan for housing construction received by citizens from any commercial bank, and to large and young families and orphans - also to repay part of the principal debt on such loans.

Recipients of subsidies will be all citizens eligible to receive state support in accordance with Presidential Decree No. 13 of 2012.

Loans will be more expensive

According to Alexander Gorval, loans received under Decree No. 240 of July 4, 2017 on targeted subsidies for housing construction, which was officially published today, will cost citizens a little more, and the burden on the state budget will decrease.

“A mechanism has been found that, in our opinion, will help expand the volume of lending for housing construction, and it will be carried out with elements of state support,”- noted the specialist. According to him, the system of direct preferential loans through the transfer of funds to banks will gradually be replaced by a system of subsidizing not banks, but directly to citizens.

“Along with the increase in lending volumes, budget costs will decrease. That is, the budget will compensate citizens only for the interest on the loan, and not for the entire loan amount,”- Gorval explained.

“Some on the forums have already discussed the decree, the text of which only became known today. They write that there will be benefits again, they will distribute cheap housing to their own people. There will be no new benefits; they have long been defined by Decree No. 13 on state support for citizens during housing construction, and its effect has not been canceled,”- said the head of the department.

He noted that the size of the loan will be close to the size determined by Decree No. 13, but the loan itself will cost more for citizens who are in line to improve their living conditions.

For example, for a family of three who will build an apartment of 60 square meters. meters at 660 rubles per 1 sq. meter and receives a loan of 35 thousand rubles, the monthly payment according to Decree No. 13 will be 224 rubles, according to Decree No. 240 - 347 rubles; for a family of 4 people - 298 and 463 rubles, respectively, for large families with three children - 45 and 80 rubles.

“Citizens’ funds are additionally attracted here. But, in our opinion, these are financial aids - you can pay them to improve your living conditions,”- says Gorval.

He noted that soon after the publication of the decree, a government resolution will be adopted to detail the mechanism for obtaining a loan. In particular, loans will be issued strictly in turn according to the direction of local executive committees. A list of banks will be compiled from which the loan recipient can choose, as well as a list of objects (apartment and private buildings) that will be subject to the new decree. Changes will also be made to the regulatory framework to comply with the new decree, which will come into force on August 6.

Gorval also said that 135 million rubles have already been allocated from the budget for the implementation of the decree for Belarusbank and Belagroprombank. This will allow the construction of an additional 4 thousand apartments. Other banks are now considering the possibility of participating in the targeted subsidy system.

State support for citizens during housing construction may be canceled

Decree No. 13 of January 6, 2012 on state support for citizens during housing construction may be canceled in the future, said Alexander Gorval.

In his opinion, in the matter of abolishing benefits it is necessary "some phasing". According to him, with the adoption of Decree No. 240, the first stage has been completed: if previously preferential loans were issued by two banks and subsidized 100% from the budget, now the budget will compensate only part of the interest on the loans, and the main loan is financed by the banks. “That is, a step has been taken towards market mechanisms,”- says the specialist.

“In the future, perhaps, decree No. 13 will lose its relevance. But for this, a stage must be taken to reduce the refinancing rate in order for inflation processes to stabilize. Then the lending conditions will become acceptable, the interest rates will be feasible, then the 13th decree will not be needed, and the 240th will not be needed over time, when loans will be at 2-3%. Then the state can only support the very best - those who, due to their physical characteristics and characteristics, cannot independently solve their housing problem,”- said Gorval.

According to him, then the state will be able to pay more attention to the construction of rental and social housing.

“In such aspects, when there is no need to transfer ownership of housing. There is some injustice when low-income people receive ownership of a very expensive thing, and a middle-income person who does not qualify for benefits can no longer afford it due to his own financial condition and the structure of state support. There is an imbalance in this,”- emphasized the head of the department.

He noted that today there are about 697 thousand people in the queue in need of improved housing conditions in Belarus, including about 240 thousand in Minsk. 350 thousand queue participants are young families, 30.5 thousand are large families, 29 thousand are orphans. About 15% of all those in need are eligible for government support.

According to the Ministry of Construction and Architecture, this year the target is to build 3.5 million square meters. m of total housing area, 1 million 420 thousand were built in five months, in six months (according to forecasts) - 1 million 762 thousand square meters. meters. With state support for a yearly target of 450 thousand sq. m. m in five months, 227.5 thousand were built, in six months (expected) - about 260 thousand sq. m. meters. With state support, 991.3 thousand square meters were built in 2016. meters.

Only those who are registered as needing improved housing conditions. In this case, subsidies will be issued to pay off interest:

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 citizens with state support during the construction (reconstruction) or acquisition of residential premises.”
Current prosecutorial employees and those already dismissed due to age, health status, as well as due to a reduction in the number or staff of employees (in connection with organizational and staffing measures). The length of service in the prosecutor's office is important here - at least 5 calendar years.
Low-income citizens who are building or reconstructing housing in the Mogilev region (in the territories of Krichevsky, Klimovichi, Krasnopolsky, Kostyukovichsky, Slavgorodsky, Cherikovsky and Khotimsky districts).

To repay the principal debt and part of the interest, subsidies will be given to:

large families with 3 or more minor children;
to young low-income families at the birth (adoption) of the first and (or) second child;
orphans and those without parental care;
tenants of social housing, which was provided to them as orphans and children without parental care. The subsidy can be allocated while the fixed-term rental agreement for such residential premises is in force.

What will the subsidies be given for?

for the construction of housing in multi-apartment and semi-detached buildings of economy class, 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-apartment residential buildings;
for the reconstruction of residential premises.

What can be paid for with subsidies?

1. Only part of the interest on a home construction loan obtained from any commercial bank.

2. Part of the interest and principal on the loan.

! Unlike a preferential loan, compensation from the budget will be paid not to the bank, but directly to the citizen.

What is the amount of subsidies for paying part of the loan interest?

1. For large families with 3 minor children – refinancing rate + 2% * .

2. For large families with 4 or more minor children – 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 lower interest rate on the loan is not established in the agreement

4. others in need of improved housing conditions: refinancing rate – 2%. That is 9.5%.

What is the amount of subsidies for repayment of the principal debt?

Only for young and large families, orphans:

– for families with many children with 3 minor children – 95% of the principal debt on the loan;

– for large families with 4 or more minor children – 100% of the principal loan debt.

– for young families at birth (adoption):

first child – 10% of the loan principal;
second child – 20% of the loan principal.

– for orphans – 35% of the loan principal.

! The amount of the subsidy will be recalculated if the composition of the family changes (first the base cost of the loan will be recalculated, then appropriate changes will be made to the decision of the district (city) executive committee).

MP calculator

for large families with 3 children, the subsidy will cover 13.5% (refinancing rate 11.5% + 2%) per annum out of 14.5%;
for large families with 4 children, the subsidy will fully cover the payment of annual interest on the loan (14.5% per annum - 14.5% subsidy);
for everyone else, the subsidy will cover 9.5% per annum out of 14.5%.

Painting by numbers

It is always easier to understand the essence of any innovation with examples. We take as a sample different families who can count on state support under Decree No. 240, and calculate how much more accessible a commercial loan for housing has become in monetary terms.

For what part of the living space will subsidies be provided to pay part of the loan interest?

Example 1.

Example 2. A family of 3 people with a disabled child was assigned on a first-come, first-served basis to the shared construction of a 3-room apartment with a total area of 70 sq. m. meters. Cost of 1 sq. meter - 800 rubles. However, the family already owns a 1-room apartment with an area of 30 square meters. meters.

In this case, the maximum standardized cost of residential premises for providing a subsidy for the payment of part of the interest to this family will be 17,820 rubles: (20 sq. meters x 3 people - 30 sq. meters) x 660 rubles x 90%.

Example 3. A large family with 3 children in turn was sent to share construction of a 4-room apartment with a total area of 90 sq. m. meters. Cost of 1 sq. meter - 800 rubles.

Example 4. A large family with 3 children in turn was sent to share construction of a 4-room apartment with a total area of 90 sq. m. meters. Cost of 1 sq. meter - 800 rubles. The family already owns a 1-room apartment with an area of 30 square meters. meters.

Example 5. A large family with 3 children takes out a loan for the construction of a single-family residential building with a total area of 150 square meters. meters in a settlement with a population of up to 20 thousand people. Cost of 1 sq. meter of house (excluding the cost of outbuildings) - 1000 rubles. The construction of a residential building (excluding the cost of outbuildings) will cost the family 150,000 rubles. The cost of outbuildings is 15,000 rubles.

Example 6. A family of 3 people with a disabled child was assigned on a first-come, first-served basis to the shared construction of a 3-room apartment with a total area of 70 sq. m. meters. Cost of 1 sq. meter - 800 rubles.

The maximum standardized cost of residential premises for providing a subsidy for the payment of part of the interest to this family was 35,640 rubles: 20 sq. meters x 3 people x 660 rubles x 90%.

For information

* 20 sq. meters - the standard for the total area of residential premises under construction (reconstruction), established in subclause 1.5 of Decree No. 13.

** 660 rubles is the maximum cost standard for 1 sq. m. meters of total living space, determined by paragraph two of clause 8 of Resolution of the Council of Ministers of December 29, 2016 No. 1113.

A loan received under Decree 240 will cost citizens more than under the decree on state support for citizens. More than 4 thousand families can count on state support in solving the housing problem.

About 135 million rubles are provided for targeted subsidies in housing construction from the funds of Belarusbank and Belagroprombank. Later, commercial banks will join them, Alexander Gorval, head of the housing policy department of the Ministry of Architecture and Construction, said at a BelTA briefing on July 6.

In addition to the current system of preferential lending for housing construction, a new type of state support for citizens in need of improved housing conditions is being introduced - state targeted subsidies. They will be provided to pay part of the interest for using a loan for housing construction received by citizens from any commercial bank, and to large and young families and orphans - also to repay part of the principal debt on such loans.

The budget no longer pours money in the same volumes into preferential lending for housing construction. Banks primarily use repayable resources for these purposes, and the state only compensates for the difference between market and preferential rates.

As “SB.Belarus Today” explains, in general terms the subsidizing mechanism will look like this. Only those citizens referred to in Decree No. 13 will be able to apply for support, with the same price standards and restrictions on square meters. Example. A family of 3 people is building an apartment of 60 square meters. m at a price of 660 rubles per meter, having received a preferential loan of 35,000 rubles. The monthly payment on obligations to the bank for such new residents will be 224 rubles. But if the family receives the same loan amount under the new Decree No. 240, then the payment will increase to 347 rubles. For a family of 4 people, loan payments with a subsidy will increase from 298 to 463 rubles. For large families with 3 children - respectively from 45 rubles to 80 rubles. Nothing changes only for large families with 4 children. In both the first and second cases, the state completely repays both the principal debt and the interest on it.

Who can get it?

“A citizen who has the right to receive state support according to Decree No. 13, when the line approaches, is notified by the executive committee or government body (the law enforcement agencies where he is registered). He goes to the bank, enters into a loan agreement, and submits it to the executive committee. The Executive Committee calculates the subsidy to repay the loan. If the rate, conditionally, is 20% per annum, then the contract is concluded for 20%, and the volume of the subsidy that will be accrued to the citizen is already determined by calculation,” – Alexander Gorval gave an example of a working scheme.

The amount of subsidies for interest payments will be:

for large families with three minor children - the refinancing rate plus 2 percentage points;
for large families with four or more children - the refinancing rate plus 3 percentage points;
for large families with at least three children under the age of 23 (if they study or live together) - the refinancing rate plus 2 percentage points;
for other citizens entitled to state support - the refinancing rate minus 2 percentage points.

The amount of the subsidy will be determined based on the number of family members, the standard size of the living space and the maximum standard for the cost of construction. The subsidy will be paid monthly during the lending period, its size will be adjusted depending on changes in the refinancing rate, if the family composition changes.

Loans will be more expensive

“A mechanism has been found that, in our opinion, will help expand the volume of lending for housing construction, and it will be carried out with elements of state support”, - noted the specialist. According to him, the system of direct preferential loans through the transfer of funds to banks will gradually be replaced by a system of subsidizing not banks, but directly to citizens.

The allocated money will be distributed proportionally across districts and cities personally for each family. However, for now, as in the case of Decree No. 13, not every apartment can be built with state subsidies, but only in those houses that are included in a special list for financing through subsidies.