The state is trying in various ways to improve the welfare of the military, as these people risk their lives and health in the process of serving. Therefore, certain benefits and concessions are provided in the process of acquiring housing. The most important innovation is military subsidy, which allows the military to purchase housing for permanent residence with state support. It lies in the fact that a large amount of funds is allocated, which is then sent to purchase real estate. Money can even be used as an initial investment on a mortgage, so the military may completely have no savings.
The concept of subsidies for military personnel
The military subsidy for the purchase of housing can be used to purchase an apartment, build a house or even get a mortgage. At the same time, up to 80% of the cost of the selected object is covered, therefore, for each person, the purchase of their own home becomes an easy and inexpensive process.
The program is valid throughout Russia. Based on it, a certain amount of funds is allocated from the state budget. Citizens can use this money exclusively for the purchase of housing, since the subsidy is targeted. Money can be allocated for the following purposes:
- construction of a private residential building;
- purchase of an apartment in a house under construction, for which a DDU is compiled;
- buying an apartment in an already built house;
- partial repayment of a mortgage.
Real estate is selected by the direct recipients of support.
Program Benefits
A cash subsidy to the military is provided on really favorable terms. Its main advantages include the following:
- you can get your own housing in a short time, which is considered especially important compared to the duration of the apartment on the basis of priority;
- the recipients of the money choose on their own what kind of housing they will buy, how many rooms will be, and also what will be the layout of the object;
- independently selects the method by which the money received from the state will be applied;
- it is allowed to combine the funds received with one's own savings or other types of support;
- The size of the payment depends entirely on the military experience, so the later the military calls for this help, the greater the amount he can count on.
Due to these undeniable positive aspects, many military personnel prefer to use a subsidy rather than wait until they receive an apartment from the state.
How are the funds provided?
A military subsidy was introduced back in 2014. Prior to this, the military had to serve for a long time in the Russian Armed Forces in order to be able to stand in line for an apartment, and then wait for it to be provided. Due to the introduction of subsidies, the process of acquiring own housing has been greatly simplified.
Military subsidies are paid on the following conditions:
- retired or active military personnel can take advantage of this offer;
- they draw up a special application for government support;
- it is considered by the relevant commission;
- if a positive decision is made, then a sum of money is transferred to the bank account opened with the applicant, depending on the life of the applicant, as well as on the number of family members;
- it is allowed to use these funds to buy a house or build a house;
- real estate is not tied to the place of service in any way, so you can buy an object located even in another region.
The money received by the military account belongs to him, but at the same time can be used exclusively for the construction or purchase of housing.
Who is entitled to a military housing subsidy?
Not all military personnel can count on such support from the state, since they must meet certain requirements:
- length of service should exceed three years;
- the military family should not have any other residential property belonging to it on the basis of property rights (it is allowed to have your own housing if its area is less than the norms established by law).
The above facts must be confirmed by official documents. If a soldier does not meet these requirements, then he can use a special funded system to buy a home on a mortgage.
Terms of Service
A military subsidy is offered on the basis of a special line. Due to the fact that the budget load is not so large compared to the provision of finished housing, usually the waiting process does not take more than 6 months.
The proposed amount is significantly different for different military personnel. This is due to the fact that it depends on various factors, which include:
- length of service;
- the number of members of the military family.
Not only direct military personnel can count on such help, but also members of their family. If the military widow does not have her own housing, then she can apply for a subsidy.
Colonels and generals have the opportunity to receive an additional payment, with which the cost of the extra 15 square meters is covered. m of real estate.
If the military already owns an apartment, but its area does not allow a large family to live comfortably in this territory, then the size of the subsidy is defined as the difference between the standard and the actual value.
What documents are needed
Documents confirming that the applicant really has the right to state support are being prepared to receive a military subsidy. These include:
- application for state assistance;
- documentation confirming that the military family is waiting in line for housing because of poor housing conditions;
- passports and birth certificates of all family members;
- marriage certificate between a military man and his wife;
- extract from the personal file of a serviceman;
- documents confirming the existence of family ties between all family members;
- bank statement.
The documentation is transferred to the housing department of the department.
Order of receipt
The military subsidy is granted to the applicant only upon the implementation of successive stages:
- initially an account is opened in the selected bank;
- an extract is taken from the bank;
- an organization specializing in providing housing for the military is provided with a full package of documents along with a correctly formed application;
- if a positive decision is made, the applicant will be issued a certificate confirming his right to help from the state;
- search or construction of housing;
- most of the value of the object is repaid by a subsidy issued by the state.
Thanks to the use of housing subsidies for the military, it is possible to spend a small amount of their own funds to obtain high-grade housing.
What is the size of the subsidy?
The subsidy is represented by a special certificate containing information about who is the recipient of state funds, and also what is the amount of the amount issued. The calculation of the military subsidy is made on the day when funds are directly transferred to the military account for the purchase or construction of housing.
The size of this payment is affected by various factors, which include:
- length of service of the military;
- the region where the acquisition of real estate is planned;
- the number of family members living in one apartment;
- the right to various benefits;
- area of ​​the existing apartment;
- standard price of 1 sq. m
The size of this payment increases on the basis of various merits or differences of the military man. Therefore, the more effort he puts into his service, the greater will be the amount used to purchase housing.
For a preliminary calculation of military subsidies, it is advisable to use special online calculators. To do this, they enter information on the length of service, the number of family members and various merits. But the exact information will be available only from the employees of the housing organization making the calculation.
For a preliminary calculation, it is advisable to use a calculator located directly on the website of the Ministry of Defense.
The nuances of using subsidies
The state covers up to 80% of the value of the selected property, but the accounting rate is taken into account. The remaining funds must be paid independently by the military and his family.
The money received from the state is not subject to taxation, since such support is free of charge.
The latest news about this state support suggests that the subsidy to military pensioners and active servicemen is beginning to gain wide popularity and popularity. This is due to some advantages compared to obtaining a finished apartment, since it takes too long to wait.
For example, in 2017, applications were received for receiving a sum of money from 10 thousand military.
Order and terms of money transfer
The procedure for providing a military subsidy for an apartment is regulated by the Ministry of Defense of the Russian Federation. Therefore, an application with other documents is transmitted to the housing department of this ministry. First you should choose the bank where the account will be opened.
As soon as permission is granted for subsidies, the military and his family members can begin to search for suitable real estate. They can also buy a plot of land intended for housing. Next, the construction team is selected, which will deal with the construction of the facility. Only after completing all the preliminary steps you can get the right amount of funds. For this, a preliminary contract of sale for an apartment or an agreement drawn up with a construction team for the construction of a residential building is transferred to the Ministry of Defense.
Verification of documentation takes no more than 10 days, and during this time it is checked whether the family has a military apartment or house in the property. If there is personal property, then its condition and area are evaluated.
If the decision on the application and other documentation is positive, then the answer is transmitted to the military within three days. This document is considered an official paper containing the reasons for the refusal or indicating the possibility of receiving a sum of money for the purchase of housing. Next, documents for the selected facility are transferred to the Ministry of Defense. Within a few days, the correctly calculated amount of funds is transferred to the military’s bank account.
Support Nuances
The use of subsidies has many advantages, but military personnel must take into account some specific features:
- only a certain part of the value of the property is covered, so it is still necessary to have a certain amount of funds for a supplement;
- the subsidy can be combined with maternity capital, borrowed funds or other assistance from the state;
- the money is transferred to the account of the military, and not to the direct seller of real estate.
Any soldier can take advantage of such a subsidy, but it is advisable to apply for it after a long service life, since in this case the amount will be really significant.
Conclusion
The military subsidy provides an opportunity for military personnel to purchase residential property at the expense of the state. Additionally, funds can be used for the construction of a residential private building.
The procedure for obtaining support is simplified, so it’s enough to submit an application and collect documents confirming the applicant’s right to help from the state. Funds are transferred to the military account, and then sent to the purchase or construction of housing.