The program of housing subsidies for military personnel adopted by the government of the Russian Federation is gaining momentum. This is evidenced by a recent statement by Sergei Pirogov, head of the Housing Department of the Moscow Region. According to the official, the housing issue, which is always relevant for people in uniform, will be resolved positively in 2015, and by 2023 the issue of lack of square meters in the department under his control will cease to be relevant at all. Given the fact that the Ministry of Defense has embarked on a radical transformation of the algorithms for providing housing, such bold plans are quite feasible.
The emphasis on replacing in-kind liabilities with very tangible financial assistance is, of course, justified. Only in the last two years, the waiting lists have decreased by almost 2.3 times. There has never been such a rate of distribution of apartments among the military in modern Russia…
Military mortgage as an alternative benefit monetization scheme
High prices in new buildingsFor many years, the Mother See was not allowed to think about their own roof over their heads, even for senior officers, not to mention the sergeants and ordinary defenders of the fatherland.
And here it is, the long-awaited and pleasant news for servicemen - the tacit ban on the allocation of apartments in the capital has been lifted. Moreover, a completely new approach to solving a sore problem has been proposed. Anyone can find out where the military will be given housing in Moscow (and not only) by calling the hotline of the Ministry of Defense of the Russian Federation (or by contacting authorized representatives of regional military authorities directly).
The whole point of the mortgage lies in the fact that the state pays the debt of the military to the bank, but at the same time puts forward a condition for the borrower: if he leaves the service before the loan is repaid, he will be forced to return the entire amount plus interest to the budget.
Dreams come true: people in uniform become Muscovites
The leaders of the country are well aware that providing housing for the military is a paramount task. An officer confident in the future is the foundation of a combat-ready army. And although it was risky to break the old stagnant system, the leadership of the Ministry of Defense deliberately took this step.
The result, as they say, is obvious: if a couple of years ago lieutenants and colonels were bothered by the idea of whether they would even give the square meters that are required by law, then starting from the summer of last year, the question lies in a slightly different plane: where willgive housing to the military?
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 Levoberezhny microdistrict. A fundamentally new approach has been implemented here: a serviceman (or retiree), who is also a potential owner, evaluates an apartment under construction in advance, and only then, in the absence of comments, the process of paperwork begins.
Mini-city from scratch, or everything for the military
Thanks to the SU-155 group of companies, the north-west of Moscow (Khovrino district) has changed beyond recognition in just two years. We are talking about a whole microdistrict from scratch: more than twenty residential buildings with the appropriate municipal registration and the proper level of improvement of the adjacent territory, more than 4.7 thousand brand 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, many elite new buildings can envy the quality of work. Without exception, all houses are connected to utilities, 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 account for water and heat consumption, constantly monitor the state of intra-house networks.
Advantages of housing on the Left Bank, or the Secret of houses of the I-155 series
If you choose to offer housing to the military in Moscow, Levoberezhnaya Street is definitelywill be out of competition. Yes, at first there were complaints about the weak transport interchange. But the project, implemented by the SU-155 group of companies, leveled all the shortcomings of the remote Khovrino. Add to this the high sound and thermal insulation of apartments, ramps on flights of stairs, business class elevators - why not new buildings in the capital Molzhaninov? Moreover, the price per square meter is significantly lower than the elite.
Year 2015: military waiting lists shrink…
According to Igor Lysenko, Pirogov's first deputy, this year more than 22,000 employees will become owners of residential real estate. These people had the exclusive right to wait for their own ministry to issue warrants for apartments. However, they chose a different path - they took advantage of the housing subsidy program.
The media have already leaked information several times that due to the crisis, project funding could 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 they will give housing to the military in Moscow under this program, then this is still the same Levoberezhnaya Street - the new "small Motherland" of those on the waiting list. Of course, buy for 8.6 million rubles. a three-room apartment here is unlikely to succeed, so the main priority is the "kopeck piece" and "odnushka". However, one should not forget about the nearest suburbs of Moscow - for the indicated amount it can please with non-standard options. Especially sincereceiving a subsidy does not impose any geographical obligations regarding the place of purchase of a house/apartment.
Realities of today: the Ministry of Defense 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 no longer wants to play the role of a 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 the remnants, that is, everything that the department currently has (due to bureaucratic delays, some of the apartments did not find their rightful owners in 2014). First of all, we are talking about new buildings on Sinyavinskaya Street. There are not very many apartments there, and the choice, as Pirogov said, is small. But there are simply no more apartments in the departmental housing stock of the capital and there will not be.
Military housing subsidy. Why is it beneficial?
The old and ineffective scheme for providing housing for military personnel has long exhausted itself. A vivid confirmation of this is the thousands of people on the waiting list who have been knocking the thresholds of high offices for years in search of justice. Therefore, the initiative of the Ministry of Defense, aimed at getting away from the targeted construction of square meters as much as possible and replacing "in-kind rent" with financial assistance, looks natural.
A military housing subsidy is essentially the same bank loan. With the only proviso that the funds received must be directed to the purchase of a house / apartment or toself-construction of housing.
The program is new for Russia, and therefore it is too early to draw any conclusions about the prospects in terms of the actual return on its implementation. In any case, a number of positive points can already be noted:
- emergence of a real prospect for young soldiers;
- free choice of residence;
- reducing the waiting time for new housing;
- motivation of the younger generation to serve in the army.
Housing subsidy for military personnel: seeing the root
Military mortgage housing is a program focused on attracting the banking sector.
The lion's share of the funds (up to 80%) required to take ownership of a house or apartment is allocated from the federal budget. The buyer repays only part of the value of the property (usually about 20%).
Additional factors influence the amount of the subsidy. In particular, the regional location of real estate, the number of family members, the presence / absence of awards and merits, length of service, and so on. In addition, the legislator singled out the category of privileged applicants for a housing subsidy. It included holders of colonel ranks and the entire general staff (there is a special multiplier for them).
Housing for the military: basic subsidy conditions
According to the official doctrine, the military housing subsidy is for everyonewithout exception, that is, junior, senior and senior officers. But its size is individual in nature and is calculated on the basis of basic parameters: the number of dependents in the family of a serviceman, his length of service, the presence / absence of the right to another area suitable for living. These and some other criteria determine the value of the multiplying coefficient, which, in turn, gives the final idea of the size of the subsidy due. A special calculator has been posted on the website of the Ministry of Defense, which simplifies the procedure for calculating monetary compensation.
Thus, an average family of 4 people has the right to claim 4.5 million rubles, provided that the length of service of a serviceman varies between 10-15 years. 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 for as compensation for housing to the military is 13.5 million rubles.
Registers and their fate
In army circles, officers are called people who de facto no longer have anything to do with the armed forces, but de jure are among the ranks of the valiant defenders of the Fatherland. In anticipation of an answer to the question of where they would give housing to the military in Moscow, these persons repeatedly refused offers regarding the provision of real estate to them in other regions of the country. And at the same time they received a monthly salary. Until recently, dismiss such "warriors" without providingapartments were not allowed. Now, at the initiative of the President, the law has been amended. The executives are faced with a choice: either they agree to an apartment / subsidy, or go to the reserve upon dismissal.
Increase in demand for real estate in response to subsidized waiting lists
Practical implementation of new forms of providing servicemen with a roof over their heads, including military mortgages, allowed 85-95% to satisfy the requests of those on the waiting list in Tula, Kaluga, Krasnodar and the Northern Capital.
But the Moscow region cannot yet boast of such indicators. It's all about the hype. Department of Housing statistics show that more than 40% of servicemen opt for the mother of Russian cities.
The market appetite of the Mother See is sometimes several times higher than the amount that is measured in compensation for housing. The military, it would seem, should have thought about it. But no, the thirst to live in a city with the most developed infrastructure takes its toll. Hence the boomerang effect: the higher the demand, the higher the price of goods, that is, real estate…
