In all regions of Russia, local authorities (housing committees) issue certificates confirming the right to receive a certain amount of money from the state when buying a home. Funds are transferred to the personal account of the seller, credit institution or real estate agency. However, not all families have the opportunity to use such a document, because for this you need to be able to pay a mortgage or have savings.
Instructions
Step 1
There are several ways not to lose money allocated by the government. Get an overpriced apartment. In the contract of sale, indicate the value of the property 10-20% higher than its real price. In fact, you pay for the purchase with a subsidy, after which the seller returns the same 10-20% to you. Obviously, this kind of action can only be carried out with a seller whom you absolutely trust. Most often they are relatives or close friends.
Step 2
The second option is to become an investor. If the amount of the housing certificate is enough for the purchase of housing outside the place where you permanently live, you can buy housing in a more or less demanded place in order to make a profit. With the urgent sale of a recently acquired home, you can lose some of its value, but get at least something. You can rent out this housing, then slowly sell it when prices have already increased (for example, due to the development of infrastructure in that area) and, having attached the amount accumulated for rent, buy housing at a higher price. The latter option is relevant for young families who have the strength and intelligence for long-term management of such a "real estate project" of theirs.
Step 3
There is a third option - ask for help from intermediaries or use the services of real estate agencies. Officially, everything will look like you bought an apartment, but in fact you will receive money in your hands minus a certain amount in favor of the agency.
Step 4
Formally, you can cash out the subsidy with the help of a bank. Many of them offer their clients preferential loans that can be repaid by receiving a document from the state. Thus, you will provide the bank with a document confirming your right to a certain amount of government money, and you will be issued a loan for this amount or more.
