Lifting allowances, housing payments, preferential mortgages: the minister told how doctors are lured to the Saratov region

Types of state assistance for doctors - what programs are available

Doctors, like other residents of our country, can participate in existing housing programs if certain conditions are met.

For example, young families of doctors can receive an interest-bearing mortgage loan on more favorable terms . However, separate support measures are also provided for them. The following programs are available to health workers:

• mortgage for health workers;
• mortgage for all young professionals;
• zemstvo (rural) doctor.

Each of the listed programs helps solve the housing issues of this category of workers. In the first case, they are provided with preferential mortgage loans that allow them to purchase housing. Professionals who have received appropriate education and are young can also count on a more favorable mortgage.

Doctors are entitled to assistance in their work in rural areas. It can be expressed in the provision of land for the construction of a private house, the purchase of housing, the payment of allowances from budget funds, and the allocation of service apartments.

Lifting for nurses in 2020

Other areas choose the opposite type of settlement, paying out the principal amount initially and splitting the balance into two payments. Attention! Dismissal of a specialist before the expiration of the “Young Specialist” status, that is, earlier than after three years of service, entails the need to return part of the RDV amount.

• compensation for travel to the place of work of the specialist and his family members;
• daily payments for all days that the specialist spent on the way to the place of work;
• reimbursement of moving costs (usually only available to those who are willing to move to rural areas);
• exemption from tax on lifting payments;
• additional payments to wages specified in the collective agreement at the place of employment;
• salary supplement for having a “red” diploma;
• salary supplement for completing studies at a higher educational institution;
• no probationary period for employment.

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Service housing for doctors

Health care workers who do not wish to participate in housing programs or do not qualify for their conditions may be provided with official housing. It is allocated to specialists for the period of their activities.

Medical housing for doctors is allocated under the conditions established in a particular region.

For example, in the Moscow region, doctors of the most in-demand specialties who work permanently in medical municipal and state institutions of the region and who need housing can receive such housing.

Payments to young professionals

In addition to regional characteristics, the preferential package for young specialists is characterized by a departmental formation principle. Therefore, young people can detail the amount of support provided in municipalities and directly from the employer. It is important to know that there are some common nuances of conditions for all areas:

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Also, in many regions an annual lump sum benefit is provided for the period of special status. For example, in the Kaluga region, starting from 2020, in urban settlements, a starting employee will receive 9,187 rubles in the first year of work, in the second year - 18,373 rubles , in the third - 27,560 rubles . These standards are higher for rural areas and lower for urban enterprises.

Social mortgage - who is entitled to it?

The social mortgage loan is designed for public sector employees of various specialties. Moreover, in the healthcare system, this can be not only doctors. Under the terms of this program, persons who have a diploma of completed higher (secondary) education in their profession will be able to participate in it.

In some regions, additional requirements are imposed on candidates.

For example, let’s look at social mortgages in the Moscow region, in particular, let’s look at who is entitled to it. According to the Decree of the Regional Government, it can be received by doctors of the specialties specified in this document, as well as paramedics of emergency care. Moreover, they must have at least three years of experience, the highest or first qualification category, and an academic degree.

The age of candidates is limited to 45 years.

Lifts for displaced people in the Moscow region

Moscow and St. Petersburg will not accept participants in the state program to facilitate the resettlement of compatriots from abroad in the coming years. The reason is the already sufficient birth rate and migration influx. All other regions are preparing to accept new citizens starting this year. Yesterday, the Ministry of Regional Development held a meeting on the development of programs by subjects to assist the voluntary resettlement of compatriots from abroad.

The TPS company is involved in the implementation of the new eastern policy of the Russian Federation. From 2020, we will provide services for transporting property of Russian citizens who move to the Far Eastern Federal District. We have 2 head offices - in Moscow and Yuzhno-Sakhalinsk and more than 50 agencies in the Russian Federation.

08 Feb 2020 juristsib 3321

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Conditions for doctors to obtain a mortgage

Not only medical personnel, but also other health workers can take advantage of the preferential program. The main criterion is the presence of a special specialized education. It can be not only the highest, but also the average. Other conditions for obtaining a loan are:

• young age (on average up to 35 years);
• Russian citizenship;
• medical work experience (from one year);
• need for housing improvement;
• willingness to work in the region for several years (usually five).

In addition, when purchasing housing, you should proceed from the norm of eighteen square meters per person. It should be borne in mind that the program in each region may have its own characteristics. Therefore, the required age, length of service in the profession and period of service in the region may vary.

Conditions may also vary from bank to bank. Some of them do not issue loans for old housing stock.

Minimum income level honey. employee to receive benefits

The advantage of this program is that banks do not take into account the level of income when applying for mortgage loans. After all, such lending is provided with the participation of state support, and the state bears part of the costs.

However, if you intend to enter the program, you need to thoroughly assess your ability to repay your loan payments on time.

State support for young professionals in rural areas

Hello Raziyat, the support program for young teachers is established by regional legislation. Without knowing the region of your residence, we cannot indicate the exact amounts of allowances. In addition, you wrote that you are engaged in home education with a teaching load of 12 hours; benefits are possible only in case of official employment in a municipal educational institution.

To take part in the program, a specialist must contact the housing committee in his region. Before submitting documents to participate in the program “Providing housing for young professionals in rural areas”, you must be recognized as in need of improved housing conditions. After receiving the appropriate document, you can apply for a subsidy .

Which banks provide social benefits? mortgage for doctors

Not all credit institutions are partners of this program. They must meet its requirements and be prepared to provide loans on special terms. The most famous lending institutions working with the program. are:

• Sberbank;
• Gazprombank;
• VTB 24;
• Uralsib;
• Rosselkhozbank;
• Revival;
• Bank of Moscow;
• Raiffeisenbank.

However, in a particular city, local banking institutions may also be involved in the implementation of this program. Therefore, it is worth finding out which banks issue such loans in your city (region).

It is also recommended to compare the conditions for issuing social services. mortgages in various banks in your city. Albeit slightly, but they may differ.

Latest mortgage lending changes for 2020

• In April 2020, a regulatory act on “mortgage holidays” appeared, according to which borrowers who find themselves in difficult life situations have the right to count on a grace period of six months.
• Within the latter, citizens will be able to suspend loan payments or reduce their size.
• These rules will begin to apply to people who have lost their jobs, received 1-2 groups of disability, or lost their breadwinner.
• Including for existing credit legal relations.

Package of documents for the bank

Purchasing housing on favorable terms is possible subject to compliance with the conditions for candidates for social security. mortgage, providing banks with all required documents. Each credit institution may have its own list of documents required for registration. In general, it looks like this:

• statement;
• passport (other identity document);
• TIN and SNILS;
• educational documents (diploma);
• employment history;
• information about existing living conditions;
• income certificates;
• documents about marriage and children (if available).

In some cases, other documents may be required. A complete list of them should be found in a specific credit institution in your city.

Underwater rocks

At the same time, concluding an agreement with a creditor requires special attention of all parties. Often banks only care about their own interests.

Experts recommend paying attention to the following points:

1. Is it stated in the paper that the conditions cannot be unilaterally changed? If there is no such clause, then the borrower runs the risk of finding out over time that he owes much more than before.
2. Look at all the additions and specifications: do they have seals, signatures and other required details?
3. The above documents must not diverge from the terms of the contract.
4. There should be no insurance commissions, since there are state guarantees.
5. Level of penalties. They must not be discriminatory.

Registration procedure

If you decide to take advantage of the program’s bonuses, you should check whether you meet its conditions. One of them is the need for more comfortable housing. This status must be officially confirmed.

Therefore, first you need to join the local administration in the queue of those in need of improved housing. Next you need to proceed as follows.

• Submit an application to the municipality for assistance in receiving social benefits. mortgages. For this purpose, papers are provided about the applicant’s identity, his living conditions, education, place and length of work. Having received a positive hand decision, you can go to the bank.
• You should first find out about all the banks operating in the region under the program, the conditions of social services provided in them. loans With the certificate received from the administration and the list of papers indicated above, you need to go to the selected bank. After writing an application, you should wait for a positive response. While waiting, you can look for housing options if they have not yet been found.
• Then comes the direct registration of a social mortgage. In addition to signing the contract itself, you will need to evaluate the selected property and obtain the bank’s consent to purchase it.
• With the consent received, a purchase and sale transaction is concluded. The transfer of rights under it should be registered in Rosreestr. The mortgage is also subject to registration and insurance.

Pros and cons of participating in a mortgage

The undoubted advantages of social mortgages are its special preferential conditions. Reduced rates and down payments, a guarantee and participation in state expenses allow state employees with low incomes to solve their housing problems. In addition, this program partially contributed to solving personnel problems in regional medical institutions.

The disadvantages include strict requirements for candidates and the need to work in the regions for a long time. In some, this figure reaches ten years. If you quit such a job early, you will have to return the funds allocated for the mortgage to the budget.

More than 800 doctors in the Moscow region received social security

“Participants receive a subsidy in the amount of 50% of the cost of the apartment in the form of a down payment when purchasing a home using a mortgage loan. Over the next 10 years, the Government of the Moscow Region will pay the remaining 50% of the cost of the apartment in the form of monthly compensation for payment of the principal amount,” commented Deputy Minister of Housing Policy of the Moscow Region Elena Chernikova.

“This is a unique experience in the Russian Federation. Since the launch of the program, more than 800 doctors have already received housing certificates. This year alone, we have already issued 280 certificates to medical specialists in the Moscow region. We fulfilled the plan 100%!” the minister said.

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