Oddly enough, in our advanced age, the queue for public housing are not sunk into oblivion. A lot of waiting, yutyaschihsya in privatized flats and room, still waiting in the queue for public housing. However, in recent years the state has virtually ceased to provide free housing to people in need of better housing. Instead, create a sufficiently flexible mechanism for allocation of lump sum benefits for housing. This is - a social mortgage, which gives people a chance to get accommodation in the property. But to take advantage of social privileges may be only those people who are officially recognized as in need of better housing conditions and have proof of their low incomes, which is certainly not enough to purchase a house on their own or take an ordinary mortgage. It would seem that social loan provides a great opportunity for all, under these conditions are suitable, to obtain housing in the property. But not so simple in this matter seems. Instead of down payment, mortgage offers a social issue of state subsidies for housing, which is typically an order of magnitude below the actual market value of the dwelling. You always have to either pay more for an apartment of their own pockets, or arrange it through a bank. The advantage of this design is that the bank interest in this case is lower than usual percentage of the loan. Cash loan as such, as is the case with non-government mortgage loan may take several years (even decades). Social loans have strict legal framework. When choosing accommodation that is suitable under all conditions of the loan does not clear up. You'll have to look for an apartment only in the municipal building for which a budget used exclusively. This is usually buildings on the outskirts of town in the so-called bedroom communities with apartments of economy class, have a standard layout. In addition, processing social mortgage, keep in mind that the existing social norms in Russia is only 18 square meters. feet of floor space for each family member. For single standard that is 36 square meters. feet of floor area. Excess of existing standards is possible only within a 9 square. meters of living space. Thus it becomes clear that the budget apartments are not spacious mansion, in contrast to modern apartments in commercial buildings. But today the state provides the waiting to acquire an apartment on a mortgage and private developers. But, in this case can not be expected to acquire a spacious and comfortable accommodation. Government social norms, as well as financial constraints do not allow people to buy an apartment larger area than is required by law. Arrangements for the provision of state mortgages are also valid for certain other categories of citizens who need better housing. For example, revived the practice of granting mortgage housing students spent some time in stroyotryada. For the military there is a national program Military mortgage. Its essence is this: each year at the expense of military personnel transferred to a government grant, which he can use when getting a mortgage as a down payment. The size of such benefits depends on rank, seniority and the date of the military contract. Known way to get her own apartment on the mortgage - a loan "Young Family", included in the All-Russian component of the project "Affordable Housing". To use this type of subsidy spouse must be no older than 30 years and stand in line, as in need of better housing. The childless couple is quite able to get a state subsidy of 35 percent of the cost of housing, and a couple with children - 40 percent. The calculation of square footage apartment is on the state and social norms is: for a childless couple 42 square. meters, for couples with children - to 18 square meters. meters for each family member. As you can see, for certain categories of citizens, under certain conditions, it is possible to receive government compensation.
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