It is necessary to keep people in the civil service
The government launched an experiment on state mortgages — “those who have especially distinguished themselves” will be able to receive it. officials under 35 years of age. In the next two years, the innovation will affect only 90 people – employees of the Ministry of Finance, the Ministry of Labor, the Ministry of Construction, the Federal Tax Service and the Federal Treasury. At the same time, funds for the down payment, payments on the principal debt and part of the interest when purchasing 33 square meters of living space will be transferred directly from the state treasury.
Of course, certain doubts may arise about the legality and relevance of the program. Considering that government officials (including young ones) are already in a privileged position. In particular, their financial and career opportunities are incomparably higher than those of the bulk of Russians. However, in this particular case we are talking about a very narrow group of people, determined through strict selection. To participate in the program, in addition to age compliance, you will need: at least a year of experience in the civil service, as well as experience of participation in the military operation of the Russian Federation in Ukraine or the presence of a state award, certificate of honor or gratitude from the president or government encouragement. Winning the “Leaders of Russia” management competition will also do. or professional excellence “Best in the profession.”
As explained in the office of Deputy Prime Minister Dmitry Grigorenko, it is necessary to increase the attractiveness of the state civil service (SCS) precisely among those young officials for whom the issue of purchasing their own housing is most pressing. It turns out that the personnel shortage, which worsened in the country in 2022-2024, covered not only construction, public transport, retail trade and other “national” sectors. sectors.
The main options of the program are as follows: the term of the mortgage loan must be at least nine years; the budget fully pays the down payment (25% of the cost of housing) and the entire amount of the principal debt (75%, in equal monthly payments); interest payments on such mortgages are partially subsidized (at 25% of the Central Bank rate) — payments will be received from the Federal Treasury to the borrower's bank account.
“We can assume that the essence of the experiment is in the experiment itself, as well as in attracting the attention of young and promising politicians to continue working in the public sector,” says BitRiver financial analyst Vladislav Antonov. — It will be interesting to know by what criteria the “particularly distinguished” ones will be selected. There should be fairly detailed explanations here. To cool the housing market, this year the government did not extend preferential mortgage programs and made it as difficult as possible to obtain a mortgage on the remaining offers.
It is unlikely that a restart of “people's” mortgages will happen in the near future. mortgage programs. However, it is necessary to explore new options in any case. According to Antonov, the experience with civil servants can later be extrapolated to promising scientists or doctors.
«Everyone needs government support for mortgages, and officials – is no exception,” says the head of the sales and customer support department at Alfa-Forex. Alexander Shneiderman. – Sometimes their salaries are not as gigantic as is commonly thought, if we talk about low-level positions. Or they may be comparable to salaries in the private sector. The experiment will be expanded if successful. Most likely, the next stage will be mortgage programs for civil servants in certain regions.”