a proposal to create a state annuity Fund, where single pensioners will be able to transfer their housing in exchange for the life annuity received by the government of the Russian Federation of the consumers Union. It is expected that the Fund will contain a single elderly property owners due to the contributions of those who pretend to be their living space after their death.
Who benefits from such an initiative and if there’s any pitfalls, “MK” has found out with the help of experts.
we Recall that the annuity contract is a bilateral agreement between the payer of the annuity (periodic payments ending in exchange for receiving property) and the recipient, implying the transfer of the recipient of rent of his property to the payer after the expiry of the term specified in the agreement.
Life annuity is a life annuity of a dependent, provided the elderly person, in exchange for receiving the property of his estate.
the life annuity Contract concluded directly between the property owner and the applicant at her, often lead to crime. So in 2019, the year was caught by some criminals from a large-scale gang of “black realtors”. Firm, under a sign which they worked, signed more than 120 contracts of life annuity and was involved in 30 murders of elderly homeowners. Forensic examination of the causes of death of the deceased owners were not carried out due to their old age.
According to the Chairman of consumers Union of Russia Peter Salima, a state Fund for the transfer of real estate elderly can help the young Russians, who have a stable but small income on which to buy their own homes is almost impossible. As well as single pensioners, whose pensions often are not enough even for medications. Moreover, the agreements with the Fund each of the parties, the recipient of rent and its payer – will conclude independently from each other.
the Scheme of work the authors see it this way: if a lonely old man wants to enter into such a contract, the state Fund for their own means produces an assessment of its housing. Further, the insurance company determines the estimated “time of survival” of the property owner on the basis of which is assigned to the monthly payment.
with regard to applicants for housing, their contributions will be calculated on the basis of their wishes and capabilities – that is, from the approximate value of the property, which they would like to have in the property. According to rough estimates of experts, monthly payment can range from 20 to 50 thousand rubles/month, depending on the region. Priority housing is determined by the sum of contributions. After payment of the full amount the payer receives from the Fund fully meets his needs housing that is already vacant apartments, and his contributions e.g.��are more content living a retired partner of the Fund.
According to Peter Salima, the main difference from the mortgage and advantage of the scheme for paying rent – no down payment and interest on the loan. At the same time, the sooner the payer will enter into a contract, the less will be his monthly payment. The authors believe that especially convenient such transactions for parents who wish to give shelter children to adulthood.
– Well, if the government can take annuity contract under its control, – consider in law enforcement bodies involved in the fight against “black realtors”. – “Black” scheme worked for a long time, but they still fall victims. Able to ingratiate himself with the criminals under the guise of realtors find singles, surrounded by care and attention, promising financial assistance in the form of monthly payments exceeds the pension. And along with regular maintenance and cleaning of the apartment. And instead of asking “only” sign that after his death a pensioner transfers his home ownership of this company. The elderly, who have no heirs, usually put the signature on the contract of life rent, not even a hesitation, confident that live out his life in comfort. And do not even know that he had signed his own death warrant. Unfortunately, such agreements continue to be concluded, despite the constant news of the “sudden” the death of pensioners shortly after the signing of this agreement.
– do you See any pitfalls in the proposal for the establishment of state rent Fund? – ask the lawyer Marina Silkini:
– the Idea of creating public rent Fund deserves attention, it seems to me, is really a working mechanism. Today, the legislation provides the opportunity for older people to directly enter into the annuity agreement with the applicants on their housing, but, because of the opacity of the market, around similar agreements in many cases not only of fraud but also more serious crimes. Naturally, older people are afraid of unscrupulous pretenders to their property. But there is a flip side to the coin: the pensioners themselves often terminate the transaction without refund. For example, you pay 5 years, served any grandfather for his promise after his death to leave the apartment to you. And he suddenly took and complained to you, that you do not care for it… the state Fund will be in a better position to resolve such things.
a Narrow point in the proposed scheme, I see the possibility of valuation of property by the Fund, which in this case may be underestimated, which will affect the size of payments to the recipient of rent. But the main pitfall in the fact gasmonopolist the sector of services.
– the Idea is good, but it all depends on ��wow, how it will be implemented, – the adviser of Agency of real estate Vladimir Brungart. – Of course, that the elderly thus it is possible to protect against fraud. But pitfalls can still be a lot. For example, the alleged “elderly, lonely and in need of help” pensioners – it is likely that people over 70 who have no loved ones. Whether such older people are adequate enough, being in sober mind and sensible memory, to make a contract and monitor its implementation? Do not intervene if, as we have, alas, often Intrusive medical control? When the “life readings” of the elderly end up in hospital, where their end is approaching.
