And the main legislative act was the Decree of the President of Belarus No. 240 “On state support of citizens in the construction (reconstruction) of residential premises” signed on July 4, 2017.

In addition to the current system of preferential lending for housing construction, Decree No. 240 introduced a new type of state support for citizens in need of better housing conditions - state targeted subsidies, informs infobank.by.

What are the subsidies for?

They can be provided to pay part of the interest for using a loan for housing construction received by citizens in any commercial bank, and to large and young families and orphans - also to pay off part of the principal debt on such loans. The recipients of subsidies are mainly:

• the same categories of citizens who were entitled to receive state support in the form of soft loans under Decree No. 13
• prosecutors
• low-income citizens engaged in the construction (reconstruction) of residential premises in settlements in the south-eastern region of the Mogilev region

The maximum loan amount to be subsidized is determined by the following formula…

The conditions for providing such state support will be:

• order of receipt
• classification of citizens as low-income

About the subsidy - in simple terms

Decree No. 240 refers to attracting loans from commercial banks with the provision of the necessary targeted financial support for their repayment.

As a result, a person receives not a preferential, but the most common commercial loan and a subsidy for its repayment. This can be done in those banks that participate in the subsidy system, today there are 4 of them:

• Bank Bel VEB
• Belagroprombank
• Belarusbank
• Belinvestbank
• BPS-Sberbank

Banks provide commercial loans for the construction (reconstruction) of housing on their own terms applicable in each of them, the main of which are almost identical today:

• loan term - 20 years
• loan rate - 13% per annum (or refinancing rate + 3 percentage points).

Please note that when the refinancing rate changes (it has been falling in recent years), the loan rate will also change !!!

The subsidy is provided in a non-cash form and is sent to the bank that issued the commercial loan to pay off part of the interest or principal debt for the citizen.

Amount of aid

A subsidy for the payment of part of the interest is provided:

• beneficiaries listed in Decree No. 13 “On Certain Issues of Providing Citizens with State Support in the Construction (Reconstruction) or Acquisition of Residential Premises”
• prosecutors, citizens from among prosecutors dismissed from service in the prosecution bodies due to age, health status, in connection with a reduction in the number or staff of employees (in connection with organizational and staff measures), who have at least 5 calendar years of service in the service prosecution authorities

Categories of citizens	The amount of the subsidy for the payment of part of the interest on the loan
Out of turn
large families	3 children under 23 years old — SR* + 2 p.p./ 4 or more minor children — SR + 3 p.p.
citizens who fell ill and suffered radiation sickness caused by the consequences of the Chernobyl disaster	SR* — 2 p.p.
citizens whose families include children with disabilities, as well as people with disabilities from childhood of groups I and II	SR* — 2 p.p.
citizens living in residential premises recognized as unsuitable for habitation	SR* — 2 p.p.
veterans of military operations on the territory of other states, from among those provided for in paragraph 1 - 3 of the first part of Art. 3 of the Law "On Veterans"	SR* — 2 p.p.
able-bodied adult family members of the deceased tenant of social housing - during the term of the contract of employment	SR* — 2 p.p.
laureates of special Fund of the Head of State for the Support of Gifted Pupils and Students	SR* — 2 p.p.
citizens discharged from military service due to age, health status, reduction	SR* — 2 p.p.
orphans and citizens who are tenants of social housing provided to them as orphans - during the term of the contract of employment	SR* + 2 p.p.
In general order
military personnel and persons equivalent to them	SR* — 2 p.p.
prosecutors	SR* — 2 p.p.
citizens entitled to extraordinary social housing	SR* — 2 p.p.
citizens who have been awarded scholarships by the Head of State	SR* — 2 p.p.
citizens living at least 10 years in dormitories, in housing under a contract for hiring a private housing stock	SR* — 2 p.p.
judges	SR* — 2 p.p.
citizens engaged in the construction of housing in settlements up to 20 thousand people. and in satellite cities	SR* — 2 p.p.
citizens engaged in the construction of housing in the south-eastern region of the Mogilev region	SR* — 2 p.p.
young families with two minor children	SR* — 2 p.p.

* SR - refinancing rate

And speaking in very simple terms, in practice it will come out like this:

• for large families with 3 children, the subsidy will cover 12% (refinancing rate 10% + 2 percentage points) out of 13% per annum
• for large families with 4 or more children, the subsidy will fully cover the payment of annual interest on the loan
• for all others, the subsidy will cover 8% (refinancing rate 10% - 2 percentage points) out of 13% per annum

The transfer of a subsidy for the repayment of part of the interest will be made from the next month after the bank issues a loan for the construction (reconstruction) of housing on a monthly basis during the entire loan repayment period established by the loan agreement.

The right to receive a subsidy for the repayment of the principal debt together with a subsidy for the payment of part of the interest is granted:

• large families with 3 or more minor children
• young families from low-income families at birth (adoption) of the first and (or) second child after the decision to provide a subsidy for the payment of part of the interest
• orphans

At the same time, the subsidy for the repayment of the principal debt is set for large families with 3 children in the amount of 95%, and for orphans - 35%.

For large families with 4 or more children, monthly loan payments, both for interest and principal, will be fully subsidized from the budget.

Young families at the birth of children after the decision to provide a subsidy for the payment of part of the interest: 10% - at the birth of the first child; 20% - at the birth of a second child.

The amount of the subsidy will change when the composition of the family changes!

How to get support?

The issuance of a subsidy is possible only when the queue of those in need of better housing conditions approaches and is classified as low-income.

Subsidies are provided for the construction of housing in economical multi-apartment and semi-detached residential buildings, the list of projects of which is approved by the Ministry of Construction and Architecture.

Decisions on the provision of subsidies are made by district, city executive and administrative bodies, and local administrations.

The order of your actions

1. Citizens eligible to receive targeted subsidies (subsidies) will be invited in turn to the executive committee, where they will be offered housing construction with such state support

2. If a citizen agrees to participate in the program, the executive committee sends him to the construction of housing, and the citizen concludes an appropriate contract for the construction

3. After the conclusion of a contract for the construction of housing, a citizen applies to the executive committee with an application and relevant documents to make a decision on providing him with a targeted subsidy. The Executive Committee, taking into account the composition of the family, the living space owned, will determine the maximum amount of the loan to be subsidized by the family

4. With this decision, a person goes to the bank to conclude a loan agreement

5. The bank concludes a loan agreement and sends a copy of it to the executive committee. The Executive Committee, on the basis of information provided by the bank on a monthly basis, transfers to the bank that granted the loan, a subsidy for the payment by a citizen of part of the interest on the loan, starting from the next month after the issuance of the loan (its part) by the bank, a subsidy for repaying the principal debt on the loan - starting from the month of commencement principal repayment of a loan

A loan received under Decree 240 will cost citizens more than under a 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, told BelTA on July 6 at a briefing.

In addition to the current system of preferential lending for housing construction, a new type of state support for citizens in need of better 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 in any commercial bank, and to large and young families and orphans - also to pay off part of the principal debt on such loans.

The budget no longer injects money in the same volumes into concessional lending for housing construction. Banks mainly use returnable 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 is building a 60 sq. m at a price of 660 rubles per meter, having received a preferential loan of 35,000 rubles. The monthly payment for obligations to the bank for such new settlers 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, 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. To them, the state in both the first and second cases fully repays both the principal debt and the interest on it.

Who can receive?

“A citizen who has the right to receive state support under Decree No. 13, when the queue approaches, is notified by the executive committee or the state administration body (law enforcement agencies, where it is registered). He goes to the bank, concludes a loan agreement, submits it to the executive committee. The Executive Committee calculates subsidies to repay the loan. If the rate, conditionally, is 20% per annum, then the contract is concluded at 20%, and the amount of the subsidy that will be accrued to the citizen is already calculated, - Alexander Gorval gave an example of a working scheme.

The interest subsidies will be:

• large families with three minor children - the refinancing rate plus 2 percentage points;
• large families with four or more children - the refinancing rate plus 3 percentage points;
• large families with at least three children under the age of 23 (if they study, live together) - the refinancing rate plus 2 percentage points;
• other citizens eligible for 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 normalized size of the dwelling and the maximum standard for the cost of construction. The subsidy will be paid monthly during the loan period, its amount will be adjusted depending on changes in the refinancing rate, when the composition of the family changes.

Loans will be more expensive

“Some on the forums have already discussed the decree, the text of which has only become known today. They write that again benefits, they will distribute cheap housing to their own. There will be no new benefits, they have long been determined by Decree No. 13 on state support for citizens in the construction of housing, and its effect is not canceled., - said Alexander Gorval, head of the housing policy department of the Ministry of Architecture and Construction.

“A mechanism has been found that, in our opinion, will help expand the volume of lending to housing construction, while it will be carried out with elements of state support”, said 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 citizens.

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

The allocated money will be proportionally distributed by districts and cities personally for each family. However, for the time being, 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.

20:19 30.08.2016

Since October 1, a system of non-cash housing subsidies has been introduced in Belarus. It should mitigate for vulnerable categories of the population the consequences of rising prices for housing and communal services.

The decree on the introduction of the system was signed just the other day, on August 29. Now government agencies are launching a machine for its implementation, simultaneously informing citizens about the new rules and nuances.

the site has tried to bring everything that is known to date into one memo.

Which families will receive subsidies

• Families living in the city, whose housing and communal services costs will exceed 20 percent of the average monthly total income.
• Families living in a rural area, whose housing and communal services costs will exceed 15 percent of the average monthly total income.

How to qualify for a subsidy

• Non-working pensioners and non-working adults with disabilities, if able-bodied family members do not live with them, will receive a subsidy automatically. Provided that their spending on housing and communal services exceeds 20 or 15 percent. This is called the revealing principle.
• The rest will be able to count on receiving subsidies by submitting an application to the organization that records and calculates the accrual of housing and communal services. This is called the declarative principle.

What expenses will be subsidized

• Payment for all main types of housing and communal services: hot and cold water supply, water disposal (sewerage), gas, electricity, elevator maintenance, municipal solid waste management, sanitary maintenance of auxiliary premises of a residential building, overhaul, as well as electricity costs for lighting entrances and operation of elevators .

What spending will not be subsidized

• Payment for the main types of housing and communal services consumed in excess of the established norms. Anything above that will have to be paid for on its own and in full.
• Payment for additional types of housing and communal services: maintenance of intercoms, video surveillance, and so on. That is, those that a person can refuse.

How will family income be calculated?

• According to the revealing principle: family income for the three months preceding the month of application is taken into account.
• According to the application: family income for the six months preceding the month of application is taken into account.
• The specific list of income taken into account in the calculation (for example, salary, pension, stipend, alimony) is still unknown. It will be determined by the Council of Ministers by October 1.

How will the subsidy be calculated?

• The size for each recipient will be determined individually by the decision of local executive committees, taking into account the area of ​​\u200b\u200bthe dwelling, the number of citizens living in it, the volume of housing and communal services consumed.

How long will the grant be given?

• According to the revealing principle: they will be provided for a quarter, i.e. for three months.
• According to the declarative principle: they will be provided for six months.

Who will not receive a subsidy

• Households, whose family members have two or more apartments, registered firms for this premises, rent out rooms.
• The unemployed who were not registered at the labor exchange.

How to find out if you have received a grant

• The amount of the subsidy provided will be indicated in the bill. An additional line will appear in it.
• According to the revealing principle: fattening with such a line will begin to arrive from October. In addition, this category of citizens will receive a separate notice.
• According to the declarative principle: fat bills with a subsidy line will come in November with the amounts for October.

Will the rules still change

• The Council of Ministers was instructed to study the experience of the system by October 1, 2017 and make a proposal addressed to the head of state on a possible expansion of the list of categories of citizens to whom subsidies are provided on a revealing basis.

• It is estimated that about 10 percent of the country's households will benefit from the subsidies.
• It is estimated that about 50 million denominated rubles will be required to help pay for housing and communal services.

Decree No. 240 has already entered into force on 7 August. And this means that the allocation of targeted subsidies in the field is about to begin. Who and how will the state support the ruble in the dream of gaining its “square meters”?

Only the one who is registered in need of better housing conditions. At the same time, subsidies will be issued for the repayment of interest:

1. Preferential category of citizens listed in the Decree of the President of the Republic of Belarus of January 6, 2012 No. 13 "On some issues of providing citizens with state support in the construction (reconstruction) or acquisition of residential premises."
2. The current prosecutor's employees and those already dismissed due to age, health status, as well as due to a reduction in the number or staff of employees (due to organizational and staffing activities). Important here is the length of service in the prosecutor's office - at least 5 calendar years.
3. Low-income citizens who build or reconstruct housing in the Mogilev region (in the territories of Krichevsky, Klimovichsky, Krasnopolsky, Kostyukovichsky, Slavgorod, Cherikovsky and Khotimsky districts).

For the repayment of the principal debt and part of the interest, subsidies will be issued:

• large families with 3 or more minor children;
• young low-income families at birth (adoption, adoption) of the first and (or) second child;
• orphans and those left without parental care;
• tenants of social housing, which they were provided as orphans and children left without parental care. The subsidy can be allocated while the fixed-term rental agreement for such a dwelling is in effect.

What will be subsidized?

• for the construction of housing in multi-apartment and semi-detached houses 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 residential renovation.

What can be subsidized?

1. Only a part of the interest on a housing loan received from any commercial bank.

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

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

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

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 specified in the agreement

4. Others in need of better living 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 large families 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 debt on the loan.

– for young families at birth (adoption, adoption):

• the first child - 10% of the principal debt on the loan;
• second child - 20% of the principal debt on the loan.

- for orphans - 35% of the principal debt on the loan.

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

MP calculator

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

• 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 all the rest, 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 through examples. We take as a model different families that can count on state support under Decree No. 240, and calculate how much more affordable a commercial loan for housing has become in monetary terms.

What part of the living space will be subsidized to pay part of the interest on the loan?

Example 1

The maximum normalized cost of a dwelling to provide 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 with a disabled child was sent in turn to the shared construction of a 3-room apartment with a total area of ​​70 sq. meters. The cost of 1 sq. meters - 800 rubles. However, the family already owns a 1-room apartment of 30 sq. meters.

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

Example 3 A large family with 3 children, in order of priority, was sent to the shared construction of a 4-room apartment with a total area of ​​90 sq. meters. The cost of 1 sq. meters - 800 rubles.

The maximum normalized cost of a dwelling to provide a subsidy for the payment of part of the interest for this 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 of priority, was sent to the shared construction of a 4-room apartment with a total area of ​​90 sq. meters. The cost of 1 sq. meters - 800 rubles. The family already owns a 1-room apartment of 30 sq. meters.

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

Example 5 A large family with 3 children takes out a loan for the construction of a one-family residential building with a total area of ​​150 sq. meters in a settlement with a population of up to 20 thousand people. The cost of 1 sq. meters of the 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 normalized cost of housing for the provision of 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 normalized cost of housing for the provision of subsidies to this large family, taking into account the cost of erecting outbuildings provided for by the project documentation, will be 79,200 rubles: 66,000 rubles x 20% + 66,000 rubles.

Example 6 A family of 3 with a disabled child was sent in turn to the shared construction of a 3-room apartment with a total area of ​​70 sq. meters. The cost of 1 sq. meters - 800 rubles.

The maximum normalized cost of a dwelling to provide 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 in the family. Therefore, the maximum normalized cost of housing for the provision of subsidies 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 ​​​​a residential building under construction (reconstruction), established in subparagraph 1.5 of Decree No. 13.

** 660 rubles - the marginal standard for the cost of 1 square. meters of the total area of ​​the dwelling, defined by the second paragraph 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 connect to them, said on July 6 at a briefing 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 in 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 better 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 in any commercial bank, and to large and young families and orphans - also to pay off part of the principal debt on such loans.

The recipients of the 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 to housing construction, while it will be carried out with elements of state support,”- said 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 citizens.

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

“Some on the forums have already discussed the decree, the text of which has only become known today. They write that again benefits, they will distribute cheap housing to their own. There will be no new benefits, they have long been determined by decree No. 13 on state support for citizens in the construction of housing, and its effect is not 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 on the waiting list to improve their living conditions.

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

“The funds of citizens are additionally attracted here. But, in our opinion, these are lifting funds - you can pay to improve your living conditions, ”- considers Gorval.

He noted that soon after the decree is published, a government decree will be adopted to detail the mechanism for obtaining a loan. In particular, credits will be issued strictly in turn in the direction of local executive committees. A list of banks will be compiled from which the recipient of the loan can choose, as well as a list of objects (multi-apartment and private houses) that will fall under the new decree. Changes will also be made to the regulatory framework to comply with the new decree, which will enter 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 to Belarusbank and Belagroprombank. This will make it possible to build an additional 4,000 apartments. The rest of the banks are now considering the possibility of participating in the system of targeted subsidies.

State support of citizens in the construction of housing may be canceled

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

In his opinion, on the issue of abolishing benefits, it is necessary "some step by step". According to him, with the adoption of Decree No. 240, the first stage has been passed: 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 loans, and the main loan is financed by banks. “That is, a step has been taken towards market mechanisms,”- the expert considers.

“In the future, perhaps, Decree No. 13 will lose its relevance. But for this, a stage must be passed to reduce the refinancing rate in order to stabilize inflationary processes. Then the lending conditions will become acceptable, there will be feasible interest rates, then the 13th decree 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 data and characteristics, will not be able to solve their housing problem on their own, ” Gorval said.

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 it is not necessary to transfer housing into ownership. There is some injustice when the low-income people get a very expensive thing, and a person of average income who does not qualify for benefits can no longer afford it because of their own financial condition and state support structure. There is an imbalance in this- emphasized the head of department.

He noted that today there are about 697,000 people in the queue of people in need of better housing conditions in Belarus, including about 240,000 in Minsk. 350 thousand participants in the queue are young families, 30.5 thousand are large families, 29 thousand are orphans. About 15% of all those in need are eligible for state support.

According to the Ministry of Construction and Architecture, this year the task was to build 3.5 million square meters. m of the total area of ​​housing, 1 million 420 thousand sq. meters. With state support for the assignment for a year of 450 thousand square meters. m in five months, 227.5 thousand were built, in the first half of the year (expected) - about 260 thousand square meters. meters. With state support in 2016, 991.3 thousand square meters were built. meters.