What is a military housing certificate, who is entitled to it and how to get it in 2022

Home / News and changes

Back

Published: 02/17/2020

Reading time: 6 min

0

1517

— I am currently doing military service under a contract. Our family does not have our own housing; we were given office space to live in. We wanted to take out a military mortgage, but then we learned about the possibility of obtaining a military certificate. Tell us in more detail what it is and how to get it?

— Federal Law 76 “On the Status of Military Personnel” guarantees improved living conditions for certain categories of contract soldiers. One of the options for providing this benefit could be the issuance of military certificates for real estate.

• Conditions for obtaining a military certificate How much is it issued?
• Validity periods
• Who is entitled to
• Categories of citizens not entitled to a certificate

How not to use a housing certificate

The subsidized funds indicated there can be invested as an initial (part or full) contribution.
However, it is impossible to transfer GHS to another person, it is illegal. This is a personalized individual document designed for one specified person. Violations are regarded as fraud and, accordingly, are qualified in accordance with the provisions of Article 159 of the Criminal Code of the Russian Federation.

The Housing Committee is responsible for the legality of the use of funds and the issuance of certificates. He can approve the purchase of living space in a new house under construction if:

· construction of the facility is carried out in accordance with Federal Law-214;

· readiness of the house by the time a citizen chooses an apartment there – 70%;

· The state commission has not yet signed the act of putting the new house into further operation.

All this is checked by employees. A citizen who wants to use the GHS must provide exclusively truthful information; any deception will quickly be revealed.

We are waiting for your questions and clarifications.

Previous Real estate and housing and communal servicesHousing Certificate for employees of the Federal Penitentiary Service Next Real estate and housing and communal servicesHousing Certificate for large families

Features of using a military certificate for divorce

Readers are often interested in the question of whether an apartment purchased with a military certificate is divided during a divorce. To answer this question, you should refer to the decision of the Plenum of the RF Armed Forces No. 15 of November 5, 1998.

This document confirms the right of common ownership of property acquired during marriage under a military certificate.

Thus, an apartment purchased with military certificate funds is divided equally during a divorce. The exception is when other conditions are specified in the marriage contract.

Under what conditions is a housing certificate issued?

Why is it better to refuse to buy an apartment in a building that is undergoing renovation?
Participation in this program cannot be forced, therefore citizens who meet all the conditions are required to voluntarily prepare documents to receive assistance.

The main conditions that apply to potential recipients of support include:

• lack of own residential real estate;
• accommodation in a dormitory or apartment issued to one of the family members by the management of the organization where he works;
• lack of place to live;
• accommodation in a rented apartment or house. How to correctly draw up an apartment rental agreement between individuals - read here.

It is not permitted to issue a certificate for citizens:

• having their own residential real estate based on ownership rights;
• standing in line for housing in accordance with another government program;
• if one family member is engaged in the construction of a residential building.

Important! The applicant's compliance with all requirements and conditions is checked by a special commission, and if any false information is found, the issuance of a certificate will certainly be refused.

Who is eligible to receive it?

The legislation clearly lists citizens who have the right to receive a housing certificate from the state. These include:

• officers;
• people dismissed from the Armed Forces;
• employees of the penal system or State Border Service;
• families who have lost a breadwinner working in the Armed Forces under a contract;
• liquidators of the consequences of the Chernobyl accident;
• people registered in the Far North.

How to get in line to receive a certificate?

How to find out your turn

Each person who submitted an application and received a positive decision regarding the receipt of this document has the opportunity to check their queue, as well as find out the certificate number.

This information is provided to the local administration, and to do this, you just need to submit the appropriate request so that all the information is provided in a short time.

The entire process of obtaining information is divided into stages:

• a special written statement is drawn up, and it must be done in two copies;
• one of them is handed over to a local administration employee, who puts his signature and date on the applicant’s document;
• another copy is transferred to the administration, where it is reviewed by the housing department of the organization;
• The response is received within 30 days from the date of transmission of the request.

Important! A written application may be submitted not only in person when visiting the local administration, but also by registered letter.

You can also use online requests to simplify the process of obtaining information.

Pros and cons of the program

The positive aspects of a military certificate are obvious - it is an opportunity to independently choose housing in the desired region and purchase it virtually free of charge, that is, at the expense of budget funds.

However, the program has more than enough disadvantages:

• Inconvenient procedure for selling the certificate, which naturally leads to an increase in the cost of housing (not every seller has the opportunity to wait for payment);
• The difficulty of purchasing housing in “expensive” regions, since the allocated amounts are usually not enough to purchase an apartment in Moscow or St. Petersburg;
• Strict conditions for applicants for a certificate, limited terms for issuing and implementing the document, the impossibility of its renewal, etc.;
• A long and often troublesome procedure for obtaining a certificate for a specific year (you will have to wait at least a year for the certificate to be issued, and the number of certificates is limited).

How to draw up a real estate purchase and sale agreement? See the link for a sample.

Amounts of subsidies for military personnel.

What is a state housing certificate?

The procedure for purchasing a land plot from the owner

A state housing certificate is a personal document that indicates the right of a particular person to funds from the state budget, with the help of which one can purchase housing.

This is not a security. Since 1998, the Civil Housing Code has been based on a number of laws of the Housing Code of the Russian Federation.

However, in 2006, Resolution 153 was issued, expanding and specifying all provisions of the program “Fulfillment of state security obligations.”

Later, in 2011, Resolution No. 561 amended the previous one. Now the procedure for obtaining and using a certificate is regulated by Regulations 153 and 561.

This certificate can only be obtained 1 time. This is stated in paragraph 11 of Article 153 of the Resolution.

What can it be used for?

This document confirms your right to receive government subsidies.

These are payments from the federal budget with the help of which a citizen can purchase decent housing.

Most often it is used when obtaining a mortgage, since this certificate gives the borrower the opportunity to participate in more profitable bank loan programs.

It will work like this:

The borrower obtains a mortgage for a certain property from the bank using a certificate.

Next, the client must pay the first installment of the loan using government money received through the certificate.

The bank, in turn, then gives him two options:

1. Pay the entire remaining loan at your own expense;
2. Make housing the subject of a mortgage agreement.

This certificate can only be used when purchasing residential real estate. In addition, it can only be purchased through a bank.

That is, you will not be able to use this document when purchasing a home on your own.

Validity

According to paragraph 4, paragraph 1, Article 153 of the Resolution, the validity period of the document begins on the day of its issue.

From this moment you are given 3 months to submit it to a credit institution to obtain a mortgage.

Once the document is provided to the lender, the borrower has 7 months to collect and provide all the necessary paperwork to complete the transaction.

Who is it issued to?

Naturally, in order to receive such a certificate, you must be a citizen of the Russian Federation.

In addition, to obtain a civil housing permit, you must belong to one of the following categories of citizens:

• Military (except for military mortgage participants) and people equivalent to military (police department employees, firefighters, rescuers and others). Including those who were fired due to family circumstances, age, health status;
• IDPs from military cities and internally displaced persons from any regions;
• People who have been exposed to radiation due to man-made disasters;
• Migrants from the Far North;
• Family members of all the above categories of citizens.

Ordinary citizens can also become eligible for such a certificate, but only if the following conditions are met:

1. Lack of own housing or place of residence;
2. Living in a dormitory or service housing (which also indicates the absence of your own housing);
3. Accommodation in rented housing.

Who cannot participate in the program?

Persons who do not belong to one of the above categories cannot participate in this program.

In addition, if a person has his own home or is registered at a specific address, then the state does not consider it necessary to provide him with such a subsidy.

It is intended exclusively for beneficiaries, military personnel or people without a permanent home.

Amount of subsidies paid

The amount of the subsidy that the owner of the housing certificate will receive will be equal to the estimated value of the selected real estate. This is stated in paragraph 13 of the Resolution.

Of course, for certain categories of citizens there is an increasing coefficient. Namely:

• Residents of Yakutia;
• Buryatia;
• Republic of Altai.

In this regard, the area of ​​the chosen living space also plays a huge role.

The payment amount is calculated based on the area of ​​the selected housing.

That is, it is based on the cost of 1 m². And it is precisely on real estate of a certain area that certain restrictions are imposed.

For example:

1. A person who lives alone can afford housing no more than 33 m². For two people – the norm is 42 m²;
2. If there are more than three people in a family, then 18 m² is set for each person.

If after you received the document, the price of 1 m² has increased, then the payment amount will still be calculated based on the previous price.

What it is?

A military certificate is a personal certificate confirming the right of a military personnel to a subsidy for the purchase of real estate. In other words, this is a security that allows you to obtain ownership of housing free of charge.

You are allowed to use this opportunity only once , even if there is more than one military man in the family. At the same time, funds are not issued in cash equivalent - they can only be spent on improving living conditions.

The document indicates all family members of the person in the service, his passport details, information about the apartment being purchased and the final amount of the certificate.

Another important condition for a contract worker to receive a certificate for an apartment is the lack of their own living space or the area of ​​the occupied apartment does not meet the established standards (less than 18 m² per resident) . This means that employees who have been registered for housing and rent housing or occupy a dormitory can apply for the issuance of a civil housing permit.

In addition, migrants from military camps have the right to apply for a state housing certificate if they move on the basis of an order.

Who is eligible to receive a certificate

Buying an apartment by assignment. what is an assignment, the purchase scheme in a new building and the specifics of the contract

Certain groups of people can count on government assistance in solving their housing problem. This is indicated by the conditions of the Housing program itself. There are additional subprograms divided by target audience groups.

A housing certificate for the purchase of an apartment can be obtained by:

1. Young families – those who do not have their own property or it does not meet accepted sanitary/social standards.

2. Young scientists - who managed to defend their Ph.D. thesis before turning 35 years old.

3. Employees related to the Baikonur cosmodrome who worked under the concluded contract for the specified period of time.

4. Military personnel - who have served the country for 10 years (or more), whose age no longer allows them to fully fulfill their military duties. Or those who stopped serving due to deteriorating health.

They were included in special programs according to which military families are resettled from small military towns and other similar administrative entities.

5. Employees of the Ministry of Internal Affairs, the Ministry of Emergency Situations and other similar institutions related to the general penal system.

6. Veterans of the Great Patriotic War, also persons who are equal to their category.

7. Participants in the elimination of various consequences of accidents at dangerous nuclear facilities. Their relatives or persons equivalent to the participants who suffered from the consequences of these accidents (for example, who lived nearby).

8. Residents of regions that belong to the Far North, plus territories with equal natural climate. If they have a total work experience of 15 years and moved due to work activity.

9. Forced migrants who left places where fighting took place, as well as local conflicts.

10. Citizens of the Russian Federation who suddenly lost their housing due to man-made or natural disasters (explosions, fires, major floods, etc.).

11. Disabled people who have limitations due to health conditions. If this is confirmed by relevant documents.

If the program continues in 2021, we will make changes and notify you.

The main requirement, which applies equally to all of the above categories of people, is their status. The program applies only to Russians.

Moreover, young families use a different program - “Housing for a young family.” Each application is considered individually; there are certain requirements.

The legislative framework

The mechanism for supporting military personnel was created at the end of the last century (in 1998) with the aim of stimulating military personnel serving under contract. Later, separate standards were developed within the framework of a general target program.

In 2021, the conditions and procedure for obtaining a certificate are regulated by the following regulations:

• Federal Law No. 76 “On the status of military personnel” dated May 27, 1998;
• Federal Law No. 153 “On the fulfillment of state obligations under the Housing program” dated March 21, 2006.

The deadline for issuing certificates to military personnel to obtain an apartment is December 31, 2021.

How to get a housing certificate?

If, after submitting all the necessary documents, government authorities made a decision in favor of the applicant to include him in the program and issued the appropriate documents confirming his right to receive housing, it is necessary to proceed to the next stage, namely the implementation of the certificate.

The certificate must be sold within a fairly short period of time - no more than nine months from the date of its issuance (this is how long the certificate is valid).

After receiving the certificate, the citizen must open a target account in an authorized bank within 2 months; money is not issued to the applicant.

After opening the account, there begins a period of searching for suitable housing; you should spend no more than five months on it in order to meet the term of the bond.

Houses that have been built but not yet commissioned cannot be considered as housing, since according to the rules in force today, the subsidy amount can only be spent on finished housing, that is, housing that has already been commissioned and has passed the entire state registration procedure.

The established social housing standard today is:

1. For a family of 1 person - 33 m²;
2. For 2 people – 42 m²;
3. For a family of 3 or more people – 18 m² per family member.

When housing has been selected, it is necessary to register the real estate purchase agreement with the relevant authorities that register the emergence of ownership rights to a particular property.

Not every seller can agree that he will not receive money from the sale of an apartment immediately, but only some time after state registration of the transfer of ownership of real estate.

After the agreement has passed the appropriate registration procedure and the owners have received their certificates, the applicant, with all the received certificates, contacts the bank, where these documents are presented.

Based on the results of registration, the resulting living space is registered in the name of all registered family members whom the applicant indicated when submitting documents for participation in the program, with each receiving a certificate of ownership of their share.

The bank, having received evidence of the legal ownership of the selected housing, contacts the Federal Treasury (since the account is in a blocked state and only this body can unblock it) and within ten days payment for the purchased housing occurs.

If the amount of the subsidy received is less than the cost of the living space, then the text of the contract must (and this is a mandatory condition) indicate in what order the missing part will be repaid and within what period.

Buying an apartment with a military certificate and a military mortgage

A military mortgage is another way to solve the housing problem, available to military personnel under government assistance programs. Obtaining a mortgage for contract workers is regulated by Federal Law No. 117. It provides for the possibility of paying for a newly purchased apartment at state expense through monthly transfers of funds from the federal treasury. In this case, a mortgage loan is issued through banks participating in the state program. Rates for the military are lower than for ordinary citizens or for loans for individual entrepreneurs, which adds to the attractiveness of a military mortgage.

Conditions for obtaining a mortgage for military personnel

The requirements for contract workers who wish to become participants in the NIS (savings and mortgage system) are as follows:

1. performing regular service;
2. age at least 21 years;
3. at least three years of service.

The main requirement is a concluded service contract. In the event of dismissal, contributions to the savings account cease. If you do not have enough years of service, you will have to return to the state what has already been paid for the apartment. There is no need to compensate the subsidy only for those military personnel whose service at the time of dismissal is more than 20 years . This category also includes those dismissed after 10 years of service and those standing in line for improved housing conditions, as well as those dismissed for health reasons.

The essence of the program

When a serviceman enters the savings-mortgage program, a personal account is opened for him at the Federal State Institution “Rosvoenipoteka”, into which monthly payments begin to be received. When a sufficient amount has accumulated, it can be used to make a down payment for an apartment.

As in the case of providing a certificate for the military, the final amount of the mortgage subsidy is calculated based on the living space standards for each family member and the average cost of real estate in the region. At the same time, the serviceman can add his own funds to afford a more expensive apartment.

The term of the mortgage is limited by age - the final payment date must be no later than the military member reaches 45 years of age.

In a military mortgage, it is possible to use maternity capital or capital for twins - in the event that a serviceman has recently had a child . Then ownership of the apartment will be registered not only in the name of the contract worker himself, but also in the name of his spouse and each child. To transfer maternity capital to pay off the mortgage, you will need to provide an additional package of documents confirming your right to this subsidy.

An undoubted advantage of the program for many contract employees is that the amount of payments does not depend on the rank and income of the employee himself. In addition, you are allowed to choose housing in any region of Russia without reference to the place where military service takes place. This can be either a finished apartment, a private house or a new building under construction.

What is required to obtain a mortgage for military personnel?

First of all, the serviceman must enroll in the savings-mortgage system by submitting a report to the location of his military unit. After 3 years, the report must be submitted again - this time to receive a Certificate of Right to Receive a Targeted Housing Loan (CHL). After another 2-3 months, the document will be issued to the lucky owner, and with it it will be possible to obtain a mortgage loan to purchase an apartment. Six months are allotted for searching for real estate.

When a future apartment is selected, an agreement is concluded between the military, the bank and the Federal State Institution "Rosvoenipoteka", which makes repayments of payments from the state. In addition, a loan agreement is signed with the bank, and a purchase and sale agreement is signed with the seller .

What is better for a military man to get: a mortgage or a military certificate?

Civil housing construction and mortgages for those serving in the armed forces have both pros and cons. The main thing is to choose the most convenient option for yourself.

Thus, a mortgage for the military represents the state’s repayment of monthly payments on a housing loan, while the certificate contains a one-time amount to pay for an apartment.

It is important to take into account that the housing certificate for employees and retirees is sold free of charge, although it imposes much more stringent requirements on candidates. And mortgage payments are compensated by the state program only while the contract worker is in the service. If he quits, he will be forced to take on further payment of the loan himself, and at the same time return to the state the funds already paid for him. In addition, the certificate cannot be used to pay for housing in a house under construction.

As for mortgages for contract soldiers, more military personnel can afford it, but in the event of dismissal from service, they will have to not only repay all remaining loan payments, but also return funds already contributed by the state to the budget. Despite the apparent complexity, both options are a chance not to rent an apartment, but to purchase: most military personnel are entitled to a subsidy for the purchase and purchase of housing with a mortgage.

Housing certificate for a military personnel

Federal Law 76 states that military personnel have the right to receive housing from the state.

In this case, you receive an apartment on a first-come, first-served basis and pay for it using funds allocated by the state.

And of course, obtaining a housing certificate is a must. Again, military personnel can participate in this program voluntarily.

That is, you need to perform certain actions for this. The document is not issued automatically.

Conditions of receipt

Despite the fact that housing certificates must be issued to the military in any case, there are still certain conditions.

In addition to complying with them, it is also necessary not to participate in the military mortgage program.

A mortgage under a housing certificate is not the same as a military mortgage. These are different government programs to provide military housing, which are carried out under different conditions.

The following persons can participate in this subsidy program for the military:

1. Military personnel who are subject to dismissal (due to age, health, due to certain events), if you have served at least 10 years;
2. Military personnel who left for family reasons (having already served for 20 years) and/or are registered as needing housing;
3. Family members of the deceased (as well as dependents living with him) during military service;
4. Resettlers from military cities.

It turns out that a certificate is issued to military personnel not simply for the fact of completing military service on a contract basis.

In this case, you must serve for a certain period of time and be dismissed due to compelling circumstances.

If your military service has already ended, you can only purchase housing in the area where the certificate is issued.

In this case, the document does not give you the right to move to another region, but only to purchase real estate in the city where you are already located.

Documentation

A separate list of documents is required for military personnel.

In addition to reporting a desire to take part in this state program, the military must also confirm that he meets all its conditions.

To do this you will need to provide the following documents:

• A document that states how long you currently have in service;
• An extract from the order stating that you were dismissed from service;
• A copy of your personal account;
• An extract from the register of the house in which you are registered;
• A paper that confirms that you are registered with the administration as citizens in need of housing;
• A certificate stating that you have the right to receive housing from the state (if any);
• Copies of identity cards of each military family member who lives with him;
• Written consent of the applicant and his family members to participate in the program (and, accordingly, to the processing of their personal data by federal authorities);
• If you live in a military town, you must bring a document confirming this;
• The latter must also provide a copy of the work book.

All copies of documents must be notarized.

Procedure

The certificate can be obtained from the city administration, but military personnel do not always have the opportunity to travel to their place of residence.

Therefore, they are given the right to receive this document in their military unit. A military man who wants to participate in this program must appear at one of the specified places and write a corresponding report.

All documents listed above are submitted along with the application.

After this, after a certain period of time (the waiting period depends on the date of submission of the application, since the order is issued quarterly), the citizen will receive a response - positive or negative.

To determine the result, the authorities will conduct a check of the applicant’s personal data, to which he has given his written consent.

If you were included in the program, your personal file will be entered into the database. This is necessary in order to detect repeated applications for a housing certificate.

Certificate for housing and mortgage

A state housing certificate for the purchase of real estate and a military mortgage are different concepts. In the first case, a soldier who works under a contract can receive a certain amount that has a strictly defined purpose. This is the best option for those people who want to acquire their own home without any loans.

The disadvantages are the need to pay for a certain part of the new apartment at your own expense (the amount of the certificate is not always enough). In addition, the certificate is issued after a fairly long period (1-2 years, on average). A military mortgage is processed much faster and the requirements for the applicant are much lower.

On the other hand, a military mortgage involves lending. The RF Ministry of Defense will pay the debt to the bank, but only as long as the applicant is in service. If a serviceman resigns, he will have to repay the loan on his own.

The procedure for obtaining a military certificate is quite complex and lengthy, especially taking into account the constant employment of military personnel. At a free consultation, experienced lawyers will talk about the main features and rules specific to this task. They can also represent the client's interests if required.

FREE CONSULTATIONS are available for you! If you want to solve exactly your problem, then

:

• describe your situation to a lawyer in an online chat;
• write a question in the form below;
• call Moscow and Moscow region
• call St. Petersburg and region

Save or share the link on social networks

(
1 ratings, average: 5.00 out of 5)
Author of the article

Natalya Fomicheva

Website expert lawyer. 10 years of experience. Inheritance matters. Family disputes. Housing and land law.

Ask a question Author's rating

Articles written

513

- FREE for a lawyer!

Write your question, our lawyer will prepare an answer for FREE and call you back in 5 minutes.

By submitting data you agree to the Consent to PD processing, PD Processing Policy and User Agreement

Useful information on the topic

9

State housing certificate for the purchase of an apartment

Not all families in need of improved living conditions can...

15

Housing certificate for Chernobyl survivors

The accident at the Chernobyl nuclear power plant occurred more than 30 years ago,…

2

How to get an apartment for free from the state

Many families have serious housing problems. Some...

How to get an apartment for a disabled person of group 1

A significant portion of Russian citizens have the right to receive assistance from...

How to get a subsidy to improve housing conditions

Many families need improved living conditions. For this they can...

1

How to check the queue for housing for military personnel using your personal number

Military personnel have the right to receive housing from the state. It is allocated by the state...

Military certificate amount in 2020

The amount of the military certificate is not fixed and depends on many parameters:

• Duration of service and rank.
• Number of family members including the applicant.
• The living space they were given.
• Availability or absence of your own apartment/house.
• Desired region for real estate purchase.
• Market value of 1 sq.m. living space in the selected region.

Example: A serviceman whose family includes 4 people (two adults and two children) receives a certificate. They don’t have their own apartment, nor do they have a high rank. The desired region is Moscow, where the cost of 1 sq.m. (conditionally) is 100 thousand rubles. A family of 4 people is entitled to 18*4=72 sq.m. This means that according to the certificate he will receive about 7,200,000 rubles. If the applicant had a high rank and/or long service, he could qualify for an additional 10-25 sq.m. area. In addition, if he had his own home, the amount on the certificate would be significantly less (minus the area of ​​the existing apartment).

Advantages and disadvantages of issuing a certificate

An important advantage of the program for issuing certificates for improving housing conditions is providing those in need with their own housing with the participation of the state.

But the program has some limitations: military personnel cannot use it due to insufficient length of service, and there are many restrictions due to which they may be denied preferential status.

Often the amount of the certificate is not enough to purchase real estate: that is, the serviceman will have to contribute part of the cost from his own money. You can use the certificate to purchase housing on the primary or secondary markets, but the house should not be under construction. It is worth considering that the certificate has a limited validity period and you will have to select housing within an extremely limited time frame.

Also, the state will transfer the money to the seller only after the apartment is re-registered in Rosreestr. This will require additional time, and not all property owners will agree to such conditions.

How to get a housing certificate?

The categories of people who can participate in the state program and the documents provided also differ in composition.

The criteria for obtaining a housing document are as follows:

1. Lack of permanent residence (citizens living in dormitories or office premises without their own housing).
2. Accommodation in a rented apartment.

The following categories of citizens cannot participate in the program:

1. Having their own living space.
2. Having reserved living spaces.
3. Family members living with a military personnel or discharged from military units and constructing private housing using a property certificate.
4. If during the exchange or purchase and sale the living conditions of citizens worsened.

To obtain a state housing certificate, you must do the following:

1. Submit the necessary documents to participate in the program.
2. Provide an application of the specified sample for issuing a certificate.
3. Provide the necessary list of documents to obtain a certificate for the purchase of housing.
4. Provide the certificate to the bank branch.
5. Find the necessary housing.

Questions regarding the recognition of citizens as participants in this program are accepted by the housing commission.

Required documents for participation in the program:

• application of the specified sample for obtaining a certificate;
• certificate of the need to purchase permanent housing;
• passport or other identification document;
• military personnel need a certificate of vacancy of the provided temporary housing at the place of service, without this certificate the application will not be accepted;
• a certified certificate from the house register at the address of residence;
• bank personal account at the registered address from the place of residence - a copy;
• a certificate confirming relationship with family members indicated in the application.

Required documents to obtain a state housing certificate:

• application for the issuance of a document;
• identification document;
• a copy of the extract from the place of registration;
• Bank account.

If citizens have questions about providing the necessary documents, they have the opportunity to obtain the necessary consultations from employees of the relevant authorities. Upon positive registration in the program, the issuance of subsidies for the purchase of housing begins.

From January 1 to July 1, you can submit an application for a certificate for the next year.

To obtain a certificate for a specific year, you must submit the following documents:

• application for a subsidy;
• a certificate of urgent need to improve living conditions.

In some cases, these steps can be combined.

Experts advise submitting your application in a timely manner, which greatly influences the final result, since the amount of funding is limited for each year. After completing the application, it is absolutely independent of the applicant whether he will be provided with a subsidy or not.

The above documents are issued to the following groups of citizens:

• military personnel;
• military personnel discharged from service;
• displaced people from the Baikonur complex;
• migrants from the Far North with more than 15 years of work experience;
• widows of military personnel who died during their service;
• scientists just starting their scientific career;
• migrants who were forced to resettle and who received citizenship;
• employees of the Chernobyl nuclear power plant who suffered during the disaster;
• victims of natural disasters who lost their homes.

If government authorities have approved the application and included the applicant in the program, a document is issued for the right to receive housing, it is necessary to begin implementing the certificate. The document must be applied promptly no later than 270 days from the date of issue.

Registration procedure

The authority authorized in the region where the serviceman is located is responsible for issuing the certificate: this can be a military unit or an executive authority. To obtain a military certificate, a soldier must adhere to the following procedure :

1. Decide on the basis for the application (for example, non-compliance of living space with standards) and select a region to purchase real estate.
2. Submit a report to the housing commission, in which the serviceman is listed as in need of improved housing conditions. The report is submitted from January 1 to July 1.
3. After documents have been registered, they go into a queue for verification.
4. When the verification stage is completed, the authorized authority makes a decision to issue a certificate for the property.
5. You will receive a housing certificate in the apartment part of the unit in which the contract soldier is doing military service.

It takes on average 1-2 years to obtain a certificate.

Required documents

When a serviceman submits a report to the housing commission, it must be drawn up according to the established template. The report lists the location of the property, taking into account certain features associated with the status of the military personnel.

Retired military personnel can obtain a certificate only in their region of residence, while others have the right to choose their place of residence.

The following documents must be attached to the application to the housing commission::

1. Statement of service life.
2. Military ID.
3. Application for a certificate.
4. Passport.
5. Documents that allow the identification of all family members of a military personnel.
6. A single housing document or a certificate in Form 15 of the Administrative Regulations of the Ministry of Internal Affairs, as well as an extract from a financial and personal account, which confirm the current living conditions.
7. A document that serves as confirmation of the serviceman's registration.
8. Extract from the dismissal order (if any).
9. Document for an existing apartment: extract from the Unified State Register, registration certificate, certificate of ownership, purchase and sale agreement, etc.
10. Agreement that after issuing the certificate, the person is removed from the queue for improvement of living conditions, as well as consent to be discharged from the office premises.

It is important to prepare originals and notarized copies of documents.

An incomplete set of information or errors in its preparation may become grounds for refusal to issue a certificate. But there are other grounds for refusing to issue a certificate.

Based on the inspection of living conditions, the commission prepares an inspection report on living conditions.

Reasons for refusal

A serviceman may be denied a subsidy for the following reasons:

1. False information in submitted documents.
2. Previous participation in the program by another family member or the service member himself.
3. Identification of the fact of the presence of other housing in the applicant’s property.
4. The family of a serviceman has its own living space that meets the standards.
5. Length of service is not sufficient to obtain a certificate.

When is the certificate provided, valid and sold?

The deadline for submitting this document depends on the queue and the specifics of the work of the regional administration. When obtaining a certificate, important points are taken into account:

• from the date of issue it is valid for 2 months, and this point is stated in the document itself;
• from the moment it is transferred to the bank, it is valid for 9 months.

If the above deadlines are missed, the subsidy is returned to the administration, so it will be impossible to use the certificate for its intended purpose. After this, you can make an additional request.

The process of using the subsidy itself is divided into stages:

• the money goes to the citizen’s bank account;
• he collects documents from the bank necessary to draw up an agreement;
• After presenting the certificate, bank employees check all the information, an agreement is concluded and a personal account is opened to which the money is transferred.

Important! You can use these funds as a down payment in the process of applying for a mortgage.

What documents are being prepared?

To obtain this certificate, you must prepare a complete package of documents. These include:

• an application drawn up in the prescribed form;
• passports of all family members;
• a certificate from work indicating that the citizen was provided with living space by the employer;
• another document confirming residence in an apartment other than your own;
• extract from the house register;
• document with personal bank account details.

Sample application for issuance of a housing certificate.

Important! All family members must be related

How to obtain and use a housing certificate

The entire process of registration and application of this document for its intended purpose is divided into successive stages:

• a personal account is initially opened;
• account details must be transferred to the authority issuing the certificate;
• an agreement is concluded with a real estate agency regarding the search for housing;
• an apartment or house is selected;
• the price of the selected property is fixed;
• a housing purchase agreement is concluded, after which the document is certified by a notary;
• the residential complex is sold in the bank where the account is opened, for which an application is drawn up to transfer money to the seller of residential real estate;
• the seller writes a receipt confirming receipt of funds;
• an act of acceptance and transfer of real estate is drawn up;
• the transaction is registered in Rosreestr, which allows the buyer to receive a certificate of ownership within 2 weeks.

Important! At the end of the process, you must contact the authority that issued the certificate to notify it of the completed transaction. Sample of a personalized housing certificate.

Sample of a personalized housing certificate.

Sample of state housing certificate.

How to calculate the subsidy amount

To determine the amount of the subsidy, the following rules are taken into account:

• for one citizen the standard living space is 33 square meters. m.;
• for two – 42 sq. m.;
• for each subsequent family member, 18 square meters are added. m.

Family members are people living in the same living space. The residential tenancy agreement where people lived before purchasing a new home will certainly be terminated. What is social housing rental and how to draw up a corresponding agreement - find out here.

The calculation itself assumes that the average cost of 1 sq. m. is multiplied by the squaring norm in accordance with the number of people in the family.

What problems might you encounter?

When obtaining a certificate, you may encounter significant problems:

• there are certain restrictions when choosing housing;
• the applicant should not actually have real estate to live in;
• funds can be obtained under the document only after the place where the family lives is vacated, which is often considered difficult;
• there are strict time limits for using a certificate, so often people simply do not have time to use it;
• The amount of the subsidy is usually not enough to buy a home, so you have to take out a mortgage.

Important! Most often, funds from the certificate are used as a down payment in the mortgage process.

Required documents

The main work is done by the citizen himself: looking for an apartment, negotiating with its owner, looking for a bank willing to cooperate. And collects papers.

To receive a GHS you need:

· a person has changed his own marital status - evidence of marriage/divorce;

· papers confirming his status - a police officer’s or emergency worker’s certificate, a certificate regarding the awarding of an academic degree to him (PhD), work record book (you need a copy where his place of work is indicated - the Far North or Baikonur);

· a certificate regarding his family members who live together - an extract from the house register (expanded);

· inspection report - if the dwelling is recognized by the commission as unsafe or a report from authorized bodies indicating that the actual area of ​​the dwelling does not meet the standards adopted by law;

· bank statement – ​​issued after a citizen opens a bank account.

The list of papers changes depending on the specialization of the program in which the citizen is participating.

Careful preparation will be required, because the participant will have to confirm his actual status several times. All papers provided to him must remain legally pure, and the transaction must be fair.

Who is eligible to receive and implement the certificate?

1. The first step is to open a personal and current account. Funds will be transferred to this account. This account number must be provided to the structural unit that is responsible for issuing housing estates at the participant’s place of residence. This information is provided in advance (2 months before the date of issue).
2. Next, you need to conclude a service agreement with a real estate agency. The participant has the right to dispose of the housing estate, both for full payment of the cost of housing, and partially as a down payment under a mortgage agreement.
3. The next stage requires a lot of effort and time - selection of living space. At the stage of negotiations with the seller, you should fix the agreed price for purchasing the home. When paying for an apartment transaction with a certificate, be vigilant and do not allow additional payments from your own funds.
4. Conclude a purchase agreement and have it certified by a notary company.
5. After the agreement is concluded, you need to contact the bank where the current account is opened and implement the housing project. The bank fills out a request request for the transfer of funds to the seller’s account, indicating all the information under the contract.
6. After the transfer of funds, a receipt for receipt of payment is taken from the seller and an act of acceptance and transfer of property is signed.
7. This transaction should be registered in the unified state register, after which the owner will receive a certificate of ownership within two weeks.
8. After completing all of the above procedures, you should contact the authority that provided the certificate and provide all the information about the transaction.

After you have been recognized as a participant in the program, you must submit an application for a certificate to the administration. It is also necessary to provide passports of all family members, a copy of your personal account, and an extract from the house register. Next, you submit the certificate to the bank.

We invite you to familiarize yourself with the procedure for obtaining Russian citizenship

The lender also needs to provide information about the selected apartment: purchase and sale agreement, order to transfer funds under the agreement. If the property is purchased with a mortgage, be sure to include a mortgage agreement.

If all the requirements for the recipient are met, then issuing the document is actually quite simple

But it is important to understand not only the features of obtaining it, but also the rules of use

How is a military certificate used?

A military certificate is issued exclusively for the purchase of housing . You cannot receive cash using it. The state has provided a mechanism for non-cash payments to the seller, which is strictly controlled by the bank.

Payment is made only after the certificate holder becomes the owner of the property specified in the contract. The corresponding confirmation is an extract from the USRN database.

Additional requirements for purchasing an apartment with a military certificate:

• category of purchased real estate – residential;
• compliance of real estate with current standards;
• The housing area corresponds to the regional standard (per one family member).

Property can be purchased:

• from a private person;
• in a new building or on the secondary market;
• under equity participation or sale and purchase agreements with the developer.

It is not prohibited to use certificate funds to pay off principal or interest on a mortgage . But it is necessary to understand that the transfer of the amount is carried out only after the entries in the Unified State Register have been changed, indicating the new owner and the removal of all encumbrances.

With this use of the certificate, the serviceman usually has to take out a consumer loan for the duration of registration of real estate in Rosreestr.

Buying an apartment under DDU

A military housing certificate is used if:

• the developer has fulfilled all obligations under the contract;
• the acceptance certificate was signed;
• the contract and accompanying documents have been submitted for registration to Rosreestr;
• the shareholder is listed in the Unified State Register of Real Estate as the owner of the property;
• there are no encumbrances of any kind.

A military certificate for an apartment cannot be used to make an advance payment, a down payment on a mortgage, or for partial repayment of debts. They cannot pay for real estate in a building under construction.

If to purchase an apartment you need an amount less than that indicated in the certificate, then only the amount of funds requested by the seller is subject to transfer; the remainder is returned to the budget. If the cost of the apartment is higher, then the certificate holder has the right to compensate the difference from his own funds.

General points

Let’s look at the specifics of the document, its intended purpose, who and how it can be used to purchase housing, as well as the specifics of the legislative regulation of the issue.

What it is

A military certificate is a type of registered security that is issued to a military citizen or a person discharged from service with financial assistance for the purpose of purchasing housing to improve his living conditions.

Military personnel can become participants in the Housing program on a voluntary basis. Obtaining a certificate is allowed once, and all family members of a person in military service (spouse, children and parents) are registered in the document.

If among your immediate relatives there are military or retired military, then in the future they will no longer be able to obtain a certificate for themselves.

This security is issued on a personal basis, and in addition to the details that are mandatory for each security, it must contain the following information:

• holder's passport details;
• information about the place of purchase of the apartment;
• the amount of government subsidy, which is final.

The main condition under which a serviceman can apply for a certificate is that he does not own another piece of real estate.

This means that a person must be registered as low-income and in need of improved living conditions.

It is legally permissible for a serviceman to receive housing if he owns another living space, but its square footage is less than the accounting norm that is due to every citizen by law.

That is, if a family member in such an apartment has less than 18 square meters. As of 2021, obtaining a military certificate is possible for the following citizens:

A military certificate gives citizens the right to purchase their own housing on the basis of a free benefit.

Purpose of the document

The funds allocated by the state in the form of a military certificate have a strict purpose - the purchase of an apartment.

It does not matter whether the apartment will be purchased on the primary or secondary market. However, we note that the certificate funds are not allowed to purchase housing in an unfinished construction project.

What documents are needed to register a newborn child in an apartment, see the article: what documents are needed to register a newborn child. Read about the privatization of a land plot in SNT in 2021 here.

The program for providing housing to military personnel allows this category of citizens to receive documented personal confirmation of the fact that they have been provided with a one-time government subsidy for the purchase of living space.

The state subsidy is provided free of charge, and the purchase of housing is possible in the place preferred by the serviceman - the certificate holder.

Legal regulation

The issue and use of military certificates for the purchase of housing is regulated by the Housing Code and the Federal Law “On the Status of Military Personnel.”

Its norms state that officers who have served under a contract have the right to receive housing free of charge from the state after 20 years of service.

This right can be exercised by issuing an apartment to a citizen in order of priority, in the form of a military mortgage loan paid by the state under the savings system, in the form of one-time financial assistance or a state military certificate.

Differences between civil housing and military mortgages

A military certificate allows a serviceman to purchase housing without attracting additional funds. You can receive a GZhS only once during the period of service. However, it is possible to receive it only after going into stock, and returns and recalls are not possible.