The phrase “grandmother’s scheme” won in the “Economy and Finance” category as part of the “Word of the Year” campaign, according to the press service of the Gramota.ru portal.

MP Akylbek Tumonbaev stated at today’s session of the Jogorku Kenesh that a number of residential buildings in Osh and Bishkek have not been officially commissioned.

By order of the President, a social housing program is being developed. This was announced by Deputy Chairman of the Cabinet of Ministers Edil Baisalov at a joint meeting of the parliamentary groups “Eldik” and “Ala-Too.”

The Department of Individual Housing Construction and Urban Development of the Bishkek City Hall continues to accept applications for properties that fall under the land amnesty. This was reported by the press service of the capital's city hall.

The municipality reminded that the capital continues to accept applications within the framework of the land amnesty to secure the state's property rights to real estate.

To submit an application, the following documents are required:

— a copy of the applicant's identity documents;
— a copy of the legal entity registration certificate;
— a copy of the technical passport;
— a notarized power of attorney of representatives;
— documents (if any) confirming the fact of acquisition of the property (relevant receipts, receipts for payment of utilities, receipts for payment of land tax, powers of attorney and other documents related to land amnesty objects).

Documents are accepted daily from 9.00 to 18.00 at the address: microdistrict "Tunguch", 57 (department of individual housing construction and urban development). Contacts: 0312979297, 0312979454.

State mortgage lending has recently begun to actively develop in Kyrgyzstan. The republic has launched a new housing program "Menin ïyïm - 2024-2030" ("My Home - 2024-2030"). The editorial staff of 24.kg figured out how to get a state mortgage and who can apply for it.

The main requirements for state mortgage participants:
At the time of application, the applicant must be 18 years old.

Must have a total work experience or business experience of two years. He also meets the requirements if he has worked in one company for at least a year.

The participant or his spouse must not have their own home in Kyrgyzstan.

In the last three years before the date of application, the participant and his spouse must not have had any transactions related to real estate in the country.

The participant must be solvent.

Types of mortgage lending
There are three types of mortgages that you can apply for: social, preferential, and affordable.

1Social mortgage
Issued to employees of the public and private sector at 4 percent per annum for up to 25 years.

No down payment required.

Families with many children (five or more minor children) can apply.

Persons with disabilities and guardians.

Available to widows and widowers who are not married and have minor children.

Young professionals under 35 in rural areas can participate.

Citizens who are not married and have a minor child without a record of one of the parents.

2Preferential mortgage
Issued at 4 percent per annum for up to 25 years.

No down payment required.

Intended for state and municipal employees, as well as for public sector employees (teachers, doctors, and others).

3Affordable mortgage
Issued at 8 percent per annum for up to 25 years.

For individuals, an initial payment of 20 percent is required.

How to apply?
Applications for participation in the program are accepted online. To register, follow the link to the GIK website and fill in the required fields. After registration, a personal account will open on the portal, and an SMS with a temporary password for subsequent installation of the main one will be sent to the number.

To enter your personal account, you need to enter your tax identification number and password, and then pay for government services in the "Payment for services" section. The cost of a request per person is 179 soms. For this money, the State Electoral Commission makes a request to government agencies to find out the applicant's marital status, length of service, and availability of housing.

Payment and confirmation
After payment, you must confirm your personal account and approve consent to the processing of personal data. Consent can be provided online through the Balance.kg mobile application. To do this, you need to download the application from the Play Market or App Store and go through online identification in it.
After identification, in the application menu, you need to go to the "State" tab and click the "Registration in the State Electoral Commission" button.

Confirmation of consent and sending an application
If the applicant is married, then the spouse must separately download the application, go through online identification and click the "Consent of the spouse" button in the "State" menu. Then in the personal account in the "Consent to search for personal data" section, the mark "Consent received" will be displayed.
After providing consent to the processing of personal data and payment in your personal account in the "My applications" section, you must click on "Add application", enter additional information and send the application for verification to the State Electoral Commission. The application status should be "Sent for verification".

Note that civil servants are exempt from paying taxes and deductions to the Social Fund. To determine their work experience, they need to attach a certificate of salary for the last year in their personal account in the "My documents" section.

How long does it take to review an application?
The State Electoral Commission told 24.kg that the application review process has recently been simplified. Previously, applications were reviewed within two to three months, but now the process takes two to three days. During this time, the participant receives feedback.
Can an application be rejected if your marital status has changed?
If your marital status has changed after submitting your application, update the data in your personal account on the portal. This will not affect the queue if you meet the program conditions.
Changes in family composition may affect the area of ​​the housing provided. The State Inspectorate will conduct an inspection, and if you no longer meet the program conditions, the application will be rejected.

How do changes in employment status affect the application?
If the applicant was on the mortgage waiting list as a civil servant and changed jobs, their queue will remain, but the mortgage conditions will change depending on the new field of activity.
For example, the interest rate may increase from 4 to 8 percent.

If the applicant loses their job or their income decreases, this may affect their ability to pay the mortgage. In this case, the situation is considered individually.

Do I need to reapply if my circumstances have changed?
If your family or employment status has changed since you submitted your application, you do not need to reapply.

Just update the information in your personal account on the electronic portal.
These changes will not affect your queue if you still meet the program criteria. The State Income Committee will check your application again to make sure you still meet the requirements.

How does the State Income Committee check the applicant's income?
Income is checked through the Tunduk system using data from the Tax Service and the Social Fund. Documents from the Social Fund can confirm income, and in some cases you can request a certificate of income from the State Tax Service, even if the person did not file a declaration.
The Tax Service can issue a special form confirming income based on the available information. The State Income Committee noted that the program does not have any requirements for the income level of participants.