How can a civil servant receive a subsidy for the purchase of housing in 2021?

Providing subsidies for the purchase of housing for civil servants is one of the important areas of spending the state budget. More often than not, civil servants' salaries are small, but they have serious responsibilities. So this category of citizens can count on receiving government support in a special manner.

In this article we will try to answer basic questions on the topic: what are the criteria for program participants, what is the amount of subsidies and in what time frame can it be received, what documents will be needed, etc.

By the way, since the beginning of the subsidy program, there has been a decrease in the “turnover” of civil service personnel, which means that the program is working!

Who participates in the program

Not all government employees can receive targeted assistance for the purchase of housing. First of all, only employees with at least 3 years of experience (until January 2021 - at least a year) can enter the program.

Below is a list of government departments whose employees may qualify for participation in the program.

1. Office of the President of the Russian Federation
2. Security Council of the Russian Federation
3. Legislatures
4. Courts (Supreme, Constitutional, Arbitration and other courts)
5. Central authorities (Accounts Chamber, Central Election Commission, Prosecutor's Office, etc.)
6. Customs Service
7. Other civil servants at the federal and regional level

Primary requirements

In addition to the minimum length of service in the civil service, applicants for housing from the state (based on Decree of the Government of the Russian Federation No. 63) are given a number of other conditions.

First. If neither the subsidy applicant nor his immediate relatives have their own home. The restriction also applies to socially rented premises.

Second. If you own residential premises or have social rent, but there are not enough square meters. By law there must be 15 or more square meters per family member.

Third. Condition of the premises. A subsidy may be issued if the living space of a civil servant does not meet certain requirements and standards. And at the same time, the quadrature limit does not apply.

Fourth. There are cases when one of the family members of a civil servant is seriously ill, while living together is impossible, and there is no other housing.

Also, a civil service employee can apply for a housing subsidy if he and his family live in a dormitory, in a “communal apartment”, on official living space, or in a 1-room apartment with another family.

It turns out that the state allocates funds only to those employees who are in dire need of improving their living conditions.

It should be noted that other categories of employees, beyond the listed criteria, are nominated at the discretion of the heads of government agencies. For example, an employee replacing a manager or other senior official may qualify for a subsidy if there are cramped living conditions.

What housing is subsidized for?

Important - the subsidy is strictly targeted! That is, it is issued from the federal or regional budget exclusively for the purchase or construction of housing by municipal employees! Social benefits are provided in the form of a certificate that cannot be cashed. Assistance for the purchase of housing for a civil servant is provided free of charge and once.

Here are the main areas of spending:

• buying an apartment or house;
• construction of a residential building, connection of communications to it;
• making a mortgage payment as a down payment;
• payment of the principal loan debt and mortgage interest (except for penalties and fines!);
• payment of a share contribution upon joining a housing construction cooperative;
• improvement of existing square meters - for example, expansion of living space to an appropriate level, in accordance with the standards for the minimum area per family member.

Where can I use the housing subsidy?

All employees of government bodies of the Russian Federation with more than one year of service have the right to submit documents and take part in the program to provide civil servants with a comfortable place to live (Resolution of the Government of the Russian Federation No. 63). If the decision on their application is positive, then a one-time subsidy will be allocated for the purchase of housing for civil servants.

There is a clearly indicated direction where the housing subsidy can be used:

• To buy apartments or build a house.

Funds allocated to government employees are not taxed. They are transferred in full to the applicant’s bank account.

How is the payout calculated?

The basis for determining the amount of payment for the purchase or construction of residential premises for civil servants are several factors:

1. Standards of area per resident in the Russian Federation, providing conditions for comfortable living;
2. The right to additional space;
3. Cost per square meter of living space in a specific Russian region;
4. The amount of length of service available to a public service employee.

In general, the following living space standards apply to Russian citizens in 2021:

• 33 sq. meters - for a single person;
• 42 sq. meters - for a family of two people;
• 18 sq. meters - for each member of a family of three or more people.

The average cost of economy-class housing in a particular Russian region is calculated quarterly by the Ministry of Construction and Housing and Communal Services of the Russian Federation individually in each region.

As for taking into account length of service in the calculation, in 2021 there is a system of special adjustment coefficients for civil servants that increase the final amount of payment. When applying the correction factor, the date of registration as a person in need of improved housing conditions is also taken into account.

1. From 1 to 3 years - no correction factor is used;
2. From 3 to 7 years - 1.05 (subject to registration before December 31, 2016);
3. From 7 to 9 years - 1.1;
4. From 9 to 11 years - 1.15;
5. From 11 to 15 years - 1.2;
6. From 15 to 20 years - 1.25;
7. Over 25 years - the coefficient increases by 0.025 each year of service, but the final one cannot be more than 1.5.

The final amount of the subsidy for civil servants for the purchase of housing in 2017 was determined within 2 weeks from the moment a positive decision was made. It depended on the average housing price in the region and length of service (adjustment factor). These conditions will continue to apply in 2021.

Required documents

In order for a civil servant to prove his right to participate in the subsidy program, he will need a comprehensive package of documents. Here is a list of them.

You need to prepare originals and copies of these documents. This is a minimum list, it can be expanded at the discretion of regional authorities.

You may be interested in: “Subsidies for the purchase of an apartment in 2020”

Conditions for receiving a subsidy

A key condition for providing subsidies for civil servants and their family members to purchase housing is the correct preparation of documents.

The collected papers are submitted to a special commission for review.

What does the standard package of information include:

• Statement of the established form;
• A copy of the civil servant’s work book with information about the last place of work;
• An extract from the house register or another document confirming the number of citizens registered in the residential premises (in the case of renting an apartment - a certificate from the house committee on the number of citizens actually living);
• A copy of the marriage or divorce certificate;
• Copies of children's birth certificates;
• A copy of the financial personal account or other document containing information about the type and nature of the residential premises (if registered at the place of residence);
• Copies of title documents for the housing in which the civil servant and his family currently live;
• A certificate from an educational organization confirming that the child received full-time education at a university or secondary vocational school;
• Certificates from Rosreestr containing information about the existing and terminated rights of a state civil servant and his family members to real estate;
• Documents confirming the fact of disability;
• A copy of the insurance certificate of compulsory pension insurance for a civil servant;
• Copies of the civil servant’s passport and copies of his family’s passports;
• Documents from a medical organization confirming the fact of a serious chronic illness of a family member of a civil servant;
• Documents confirming that the residential premises do not meet the requirements established for residential premises;
• Documents confirming the right to additional living space.

A copy of the work record book must be certified at the last place of work, and the remaining copies of documents must be certified in a notary office or presented along with the originals when submitting documents.

The processing time for documents is usually 2 months. If there are a significant number of applications, the process may take longer. That is why it is important to approach the issue of preparing a package of papers especially carefully. If it turns out that it lacks certain corrections or certain documents are completed incorrectly, then when you re-submit the application, the procedure will again take at least 60 days.

If the decision turns out to be negative, it must be reasoned and presented in writing.

How to register

In order to get in line to receive a subsidy, a government employee will need to do the following:

• Write an application addressed to the head of the commission dealing with the provision of housing for civil service employees;
• Submit the above package of documents for consideration.

The application must indicate that the civil servant has not previously participated in government programs relating to the allocation of residential real estate, land and funds for the purchase of a house or apartment.

Considering that it can take at least two months to review the papers, and subsidies are allocated in order of priority (with the exception of preferential categories of citizens), then civil servants can expect to receive payments over the course of several years.

The commission’s refusal, due to improper preparation of the package of documents or if the documents contain false information, assumes that the applicant can correct the shortcomings and resubmit the application for consideration.

Registration procedure

If all the criteria for participation in the program are met, and the documents listed above are in complete order, you can write an application for registration. The document is drawn up in the name of the head of the commission dealing with the provision of housing payments. The application must indicate that previously, at previous places of service, the subsidy applicant did not apply for this type of government support.

Next, the collected documents are submitted to the commission, which conducts a strict check of all the information provided. It is possible to contact the Ministry of Labor and other authorities to confirm the data presented in the documents.

After a complete check of the documents, the commission makes a decision within two months - either to register the civil servant to receive a housing subsidy, or to refuse, with justification of the reasons.

How is the payout calculated?

The applicant for a state subsidy can himself calculate the approximate amount he can expect. To do this you will need the following basic parameters:

• per person 33 sq. m of living space;
• for two family members - at least 42 sq. m;
• if there are 3 or more people in a family, each person receives 18 square meters.

Plus – extra meters! If a civil servant has the right to additional meters, the amount of the subsidy increases.

Formulas for calculating the housing area for which a civil servant can apply, as well as the amount of subsidies, are given in the table below:

Moreover, the size of the housing subsidy can be increased by up to 30% by decision of the head of the government agency - if there are grounds and budgetary possibilities.

You may be interested: “Implementation of the “Young Family” program in the Stavropol Territory”

Actions after grant approval

As soon as a positive verdict is received from the government agency’s commission on the issue of subsidizing, the applicant can only wait for the funds to arrive and find a suitable property.

Moreover, civil servants are not limited in their choice - you can buy an apartment, both in a new building and in a secondary building, you can also spend budget money on building a private house. The most important thing is the targeted spending of funds.

After purchasing or constructing housing, a civil servant must register the property with Rosreestr and receive an extract from the Unified State Register of Real Estate. The extract is provided to the head of the government agency as confirmation of the solution to the housing issue with the help of a subsidy and targeted spending of funds. The deadline for providing supporting documents is 30 days.

Questions about subsidy payments

Buying your own property for subsequent living is a complex task, fraught with many pitfalls.
But legal acts identify several beneficiaries who have the right to apply to specialized government agencies to receive a subsidized payment for the purchase of their own housing. These beneficiaries also include civil servants who have worked in a government agency for at least a year. Additional requirements apply to such applicants.

Subsidized payments mean financial support for public sector employees. The money received under this state program can only be spent on purchasing your own residential property or building a private house.

The certificate is issued on the basis of an application received from the employee and the accompanying documents provided by him. The submitted appeal reflects information that the civil servant has not previously exercised his right to participate in this program.

Read also: Return of pension savings

The regulations highlight a number of reasons why a person may be denied such a payment. Common reasons include:

1. Submission of documents compiled with errors;
2. Incomplete package of papers;
3. Intentional error in documents;
4. At the time of submitting the application, the person had not served the minimum period of time in a government agency;
5. The employee has satisfactory living conditions.

What happens if you deliberately worsen conditions

There is one more check point on the way to receiving budget funds. In the case where a civil servant deliberately worsens his living conditions in order to quickly and more quickly receive a state subsidy, instead of money, he can receive a 5-year deferment in registration.

Here are cases of deliberate deterioration of living conditions:

If, as a result of the inspection, at least one of the listed facts is revealed, the employee is deprived of the right to register to receive a subsidy for a period of 5 years.

Legal framework (laws and acts)

The main regulatory document regulating housing subsidies for civil servants is Decree of the Government of the Russian Federation No. 63 of January 27, 2009. The changes adopted in 2021 imply the allocation of almost 10 billion rubles for subsidizing purposes for the period from 2021 to 2021. Additional regulatory documents containing legal information on subsidizing government employees:

• Federal Law No. 79 “On the State Civil Service of the Russian Federation” dated July 27, 2004. Government department employees who may qualify for this subsidy are listed here.
• Decree of the Government of the Russian Federation No. 378 of June 16, 2006. The document contains a list of diseases that, if detected in people living with an employee in the same territory, pose a threat to his health.

Important! This state program is strictly targeted; funds are allocated to improve the living conditions of civil servants who need it. The program is financed from the federal and regional budgets.

Tips and possible mistakes

Goals of the state support program

The main objective of this state program is to support a certain circle of people in the form of providing them with funds from a certain budget.
The material payment is made for a strictly defined time period to fulfill a clear task - the recipient’s purchase of his own real estate. The subsidized payment for the purchase of your own housing is provided irrevocably. The subsidy itself is issued in the form of a paper certificate, which specifies a specific amount of money to be used within a certain time frame. Accordingly, if a person does not have time to use it, the money simply burns.

This money is prohibited from being cashed out, and it can only be spent on the acquisition or construction of residential premises in strict accordance with legal regulations.

The certificate can be used for the following purposes:

1. Down payment on mortgage;
2. Repaying an existing loan;
3. Using funds as an entrance fee for membership in the housing cooperative;
4. Improving living conditions in existing premises is allowed only in a few cases specified in regulations.

Results

• Only civil servants with at least 3 years of work experience who are in dire need of improving their living conditions can receive a subsidy for the purchase of housing;
• The assistance is strictly targeted, issued once and free of charge. You can spend the money on buying an apartment in a new building or on the secondary market, as well as on building a private house;
• It is necessary to prepare a set of documents according to the list presented in the article, in duplicate;
• After receiving the documents, the commission has 2 months to make a decision;
• You should not deliberately worsen your living conditions - you can get a 5-year deferment in registering to receive a subsidy;

After purchasing or constructing housing, a civil servant must register the property with Rosreestr, receive an extract from the Unified State Register of Real Estate and within 30 days provide it to the commission to confirm the solution to the housing issue.

Is a civil servant who has retired from civil service entitled to a subsidy for an apartment?

The right to a subsidy does not depend on the place of work, but is determined taking into account the amount of payment for residential premises and utilities, based on the standards established in the region for the area of ​​​​living premises and the cost of housing and communal services and the income of the payer.

The methodology for calculating compensation for expenses for living quarters and utilities depends on the number of beneficiaries, on the preferential category, on the volume of services provided, tariffs, the area of ​​living quarters, on the number of registered persons... etc. In each specific case, compensation for expenses is calculated individually—please contact social security.

Just because of retirement age – no. Any provision of housing (or funds for purchase) in such cases is carried out if there is a need to improve housing conditions, which is determined in the manner prescribed by law.