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.
Street. Flashlight. Mortgage…
Olga Zabralova:
I'll start with the numbers. In the last two years, 12 consultative and diagnostic and 10 vascular centers, 12 vascular departments, and 2 maternity hospitals have been opened in the region in Pushkino and Stupino. More than 120 healthcare facilities have been repaired and equipped. The construction of three perinatal centers, two maternity hospitals, and 22 consultative and diagnostic centers is nearing completion. This year alone, the regional government allocated more than 12 billion rubles for major repairs, equipment and equipping of health service institutions. That is, the material base for decent medical care has been created. But in order for it - from the simplest to the high-tech - to really work, it is necessary to solve the personnel problem.
How to attract specialists?
Olga Zabralova:
In 2014, 2 thousand doctors were attracted to the region. Last year - 3 thousand. We have special programs. Thus, since 2011, 555 specialists have been involved in the “Zemsky Doctor” program. When they started working in rural areas, they received a one-time allowance in the amount of 1 million rubles. In 2020, we plan to attract 250 doctors under this program. And starting this year, on behalf of Governor Andrei Yuryevich Vorobyov, a mortgage program for providing housing to doctors is being implemented.
Who do you think this program will most likely attract?
Olga Zabralova:
We have already received applications from doctors from 30 regions. These are, for example, the Ryazan, Nizhny Novgorod, Tver, Volgograd, Irkutsk regions, the republics of Chuvashia and Kalmykia, as well as Moscow. Doctors in 26 specialties can become participants in the social mortgage program. Most of all, we need therapists, pediatricians, cardiologists, emergency doctors, obstetricians-gynecologists, neonatologists, anesthesiologists-resuscitators...
This year the government of the Moscow region allocated 12 billion rubles for major repairs, equipment and equipping of health service institutions
Who is eligible to receive mortgage housing in the Moscow region? Mortgage terms?
Olga Zabralova
: The doctor must be a citizen of Russia with at least 3 years of experience. One of the conditions is that the applicant and his family members do not own housing in the Moscow region. We have made some changes to expand the list of possible candidates. If previously one of the mandatory conditions was the presence of the first or highest category or scientific degree, now this criterion has been abolished for pediatricians and local therapists. We have also raised the age of male candidates to 50 years. Previously, men no older than 45 years old could become participants in the program.
After concluding the agreement, the doctor must enter into an employment contract to work in the Moscow region for a period of at least 10 years. By agreement with the regional Ministry of Health, it is possible to change the place of work in medical institutions near Moscow while maintaining the main profile. Doctors can obtain detailed information on the website of the Ministry of Health of the Moscow Region https://mz.mosreg.ru/, as well as by calling the hotline.
What is the down payment? How many years will the doctor pay and approximately how much?
Olga Zabralova:
The doctor independently selects the apartment he needs on the primary or secondary housing market. The Ministry of Construction Complex of the Moscow Region invites candidates to consider proposals from development companies (their average cost per square meter is approximately 52,460 rubles).
The family of a doctor with a wife and two children can, at a minimum, purchase an apartment of 18 square meters for each family member, costing about 4 million rubles. The first payment in the amount of 50% of the cost of the apartment (about 2 million rubles) is paid by the government of the Moscow region. The doctor takes the second half from the bank participating in the program as a mortgage loan and will pay it monthly for 10 years. And the regional government will also return to him monthly payments made on the main loan. I want to emphasize: the program participant will only pay interest on the loan from his personal funds. That is, over 10 years, on average, a doctor will have to pay a little more than 1 million rubles. Our program is six months old. So far, 327 applications have been received. The selection of the most sought-after specialists is currently underway.
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.
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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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.
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.
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 3372
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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.
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.
