"Mortgages may be available"

Get a free apartment in the capital is still possible, but only after standing in long queues. Who has the right to improve their housing and how long to wait for new housing? This "Moscow the prospect of" learned from the chief of the Monitoring Department of the housing market housing policy and housing census of the city, Dmitry Krasnov. - What is the current waiting list for housing in Moscow and many waiting to be provided with housing in this and the next years? - Capital - a metropolis with a population of many millions, and it is understandable that people who want to improve their living conditions in Moscow is much more than a small regional center. It should also be noted that unlike many other cities in turn improve the housing conditions in the capital moving. We now have three categories of waiting: in need of better housing - are residents of the city taken on record before the entry into force of the Housing Code of the Russian Federation (up to 01.03.2005) in need of accommodation - from Moscow additions to the waiting list after March 1, 2005, and in need of assistance in the acquisition of premises. The former have the right to both the provision of housing for social rent agreements and the purchase of housing at an affordable price, the second - to improve the living conditions of contracts of social hiring or free use, while others may take part only in the onerous municipal housing programs. Those wishing to get an apartment is really a lot. Each family has to wait for housing an average of 20 years. Of course, the longest queue for free apartments - 109 367 families. dwellings require 17 928 families, and to promote the city - 3909 families. But in 2010, will improve the living conditions of families waiting 13 000, and in 2011 - about 17 thousand families. For these purposes will be spent over two million square . meters of housing for two years. - Who can apply to improve their living conditions and participation in city programs? - To become a waiting list, you must reside in the capital for at least 10 years old and have no more than 10 square meters. meters per person for individual apartments and 15 "squares" for communal. This is a prerequisite for any category of need. Applicants for the improvement of living conditions of contracts of social hiring and uncompensated use should be considered poor. Do not confuse this parameter with the minimum wage. According to the Law "On the recognition of the residents Moscow's poor performances in order to be registered as in need of accommodation "of 25.01.2006, the calculated total family income. and then determines whether there is enough will that amount to over 20 years to accumulate on their own to acquire the missing housing. And in the calculation can accept and owning a vehicle, and a country house, namely the possibility of their implementation for future purchase of an apartment. - And how do you know how many square feet a person missing? - Now the norm is 18 square meters. meters per person. Based on from this figure and provide new housing. Exception - who live alone. It is clear that the apartments, even one room, at least twice. This design features of homes - from apartments do not cut off a piece. Therefore, any approximation, of course, be permitted, but only in favor of a waiting list. If we talk about programs for value, there is some limitations - no more than one room per person. For example, living alone can not buy "kopeck piece," and the more two-bedroom apartment. Another minus - housing will not necessarily be in the range city, it could be a region. While the gratuitous accommodation shall be located within the administrative boundaries of Moscow. - And many Muscovites are ready to participate in programs such as, for example, "social mortgage"? - Oddly enough, even candidates for free housing, which stood in a queue of 10 - 15 years, expressed a desire to participate in the onerous forms. And it's not just words. So, four years of existence of "social mortgage" granted 12 496 loans. A large number. But all is explained. The interest rate on This program is the lowest in the city and the country - 9.5%. The price per square meter ranges from 30 to 35 thousand rubles. In addition, the final cost of housing varies for each waiting list. it is determined by using a special technique that considers the number of years spent in the queue citizen, and the availability of benefits. This is the lowering and raising rates - from 0.3 to 1.7. As the saying goes, a long wait increases the pleasure of meeting. For example, standing in a queue 18 years of age can buy a square meter for a record price - 10 000 rubles. But, despite the desire on the part of buyers, the city has a limit. The implementation of this program he directs as much as the budget allows. At the present time for this purpose an annual allocation of 200 000 square meters. meters of housing. - Dmitry O., do you think, will the mortgage more affordable after a decline in mortgage rates in line with the policy HMLA? - Commercial Bank "Moscow Mortgage Agency", 100% of whose shares is owned by the City of Moscow, provides loans to the waiting, purchasing housing in the city, at a rate of 9.5% per annum. For comparison, the minimum rate AHML - 12%. It varies depending on the program, the degree of preparedness at home, the value of the down payment. Besides, this is not the final cost of the loan, but only the rate at which HMLA refinance loans to their own agents. And the impact on the rate of social mortgage rate can only, provided that the rate falls below HMLA 9.5%. While the whole country is a decrease in mortgage rates can only have positive consequences. - What are the limitations imposed "social mortgage" on the disposition of the property? - Since the registration of property rights becomes a citizen of the landlord, and she in turn automatically encumber the collateral. Then all the questions disposition of property, are regulated only under a loan agreement with the bank. The city, not being the owner of the property does not participate in the debate. Implement the apartment owner can. But it will be sold or pledged as that, of course, will be released to the seller less. The second option would first have to pay for the loan and sell the apartment without encumbrance. - Are there cases of the use of maternity capital with the participation in various programs, such as "social mortgage" or "young families - affordable housing?" - Despite the fact that the mother's use of capital can only last three years, similar cases we have enough lot - 246 applications totaling more than 30 million rubles. In general, these funds are used as an extraordinary contribution to the loan. In order to use the mother's capital with the participation of municipal programs, should contact the district office of the Pension Fund. - Continuing the theme of motherhood . What was the fate of large families living in the cottages? will evict them after the last child 18 years? What accommodations will be made available to them in return? - large family receives a cottage for temporary residence, an old house they have no one takes, you can even rent it for rent . They are still in the queue for housing improvement, and most likely after the last child 18 years of age will receive a new home. And if they turn not yet reached, it is returned to his apartment and wait for his term.