The calculator allows you to make an online calculation of a one-time cash payment (LCV) for the purchase of residential premises by military personnel.
This one-time monetary compensation will be paid to the military, presumably from January 2014, instead of providing housing in kind.
Attention! The result obtained after substituting individual data into the EDV calculation form is for informational purposes only.
EDV CALCULATOR
The EDV calculation calculator allows a soldier to navigate the relationship between the main calculation parameters and clearly shows the impact of the cost per square meter on the final result.Right to additional living space
Changes made to the Federal Law "On the Status of Military Personnel" imply the right of certain categories of military personnel to provide additional living space, which is added to the basic number of square meters, based on the number of family members.
This right can be used by:
- Officers from colonel (inclusive) and higher rank;
- Military personnel are teachers of certain military educational organizations;
- Military personnel are scientific workers with academic degrees and (or) titles.
The size of additional living space can range from 15 to 25 m2, no more and no less than the specified values.
Available living area
The square meters of living space owned (or under a social lease agreement) by a military man, and not transferred to state ownership at the time of calculating the EDV, will be deducted from the total living area based on all family members.
Total living area
The total number of square meters that a military family can apply for, based on the legislatively approved social norm for one person of 18 m2, and minus the residential area available in the property or under a social rental agreement.
Standard cost of 1 sq.m.
This value is probably the most important in the calculator for calculating the approximate amount of EDV for military personnel instead of providing natural housing.
By changing the value of this field in the EDV calculation calculator, depending on the real cost of 1 m2 of housing in a particular region, you can visualize the purchasing power of the amount of monetary compensation that will be calculated for a military man.
Calendar length of service
The number of years before dismissal that a serviceman devoted to the defense of the Fatherland is the value of the actual period of service. But at the same time, the correction factor when calculating a one-time cash payment for housing for a military man will directly depend on this value.
Correction factor
This value, included in the calculator of monetary compensation for housing, depends on the calendar length of service in the ranks of the Russian army, i.e. from the number of the previous field of the calculator.
The size of the correction factor when calculating the expected amount of cash payment has the following connection with length of service:
- from 10 to 15 years-2;
- from 15 to 20 years - 2.5;
- from 20 years of general military service - the value of 2.5 increases by 0.1 for each year of service, but ultimately no more than 3;
- family members of those killed (deceased) during the period of service - 3.
As a result of substituting the values individual for each defender of the Fatherland, an approximate result will be obtained for the size of the expected one-time cash payment to a military man for the purchase of an apartment or the construction of a separate house on a plot of land.
All numbers of the calculation results on this online calculator cannot serve as the basis for any real payments, but only clearly show the possible, under certain conditions, amount of cash payment.
One of the measures of state support for the population is.
Military personnel can also become recipients of this type of government assistance, but in a special manner.
You will learn about all the changes that occurred in 2019 in this matter from this article.
Legislative regulation of the issue
According to current legislation, a military subsidy is a support program for military personnel, which should help them resolve their housing issue.
The amount received can be spent on:
Payment of funds is made once - the entire designated amount is transferred at once. To do this, the recipient opens a personal bank account. Financial resources are allocated in accordance with Government Decrees from the federal and municipal budgets.
To receive state support members of the armed forces must register as needing improved living conditions, and also meet certain criteria. Anyone interested must contact the government. the body responsible for accepting documents and issuing subsidies to the military.
Basic provisions on receipt of this state assistance are fixed:
- Federal Law On the status of military personnel in the Russian Federation – Article 15.
- In the Housing Code of the Russian Federation - Article 51 (the procedure for joining the queue is indicated).
- By order of the Ministry of Defense issued in 2014. It approves the procedure for issuing housing subsidies to military personnel on a contract basis and those already dismissed.
- Resolutions of the Government of the Russian Federation On approval of the procedure for calculating housing subsidies for members of the Russian Armed Forces. It guarantees the military the opportunity to become a recipient of state support, and also establishes a formula for calculating the amount of payment.
- Decree of the President of the Russian Federation.
According to the law, the service is given the right to check the applicant’s documents and make a decision. 30 days. After the final decision is made, it will be forwarded to the Department of Financial Security of the Ministry of Defense within three days (the applicant will receive a copy of the decision).
To transfer funds 30 days are allotted. After the serviceman receives the money in his current account, within three days the financial services must notify the body responsible for providing housing about the accrual of funds.
Military personnel receive the following advantages when applying for a housing subsidy:
- Waiting times in line to receive assistance are reduced.
- It is possible to use the money to purchase (either on your own or with a mortgage) or build a home. The choice remains with the recipient - in which region to buy or build living space, use it to purchase housing as personal or shared ownership, what type of residential property he prefers (cottage, apartment, private house, etc.).
- The payment amount does not increase relative to the time spent in queue (as is done in the usual manner). The amount increases based on service life.
- The living space for which the payment was spent can be privatized for any family member (provided that the service life of the subsidy recipient is at least 20 years).
Latest changes in this matter
The Military Department together with the Government decided to gradually stop the construction of houses for the military.
Instead, enter housing subsidies for military personnel, as well as providing . This change has made it possible to reduce the time it takes to obtain real estate for all those in need.
Previously, a serviceman’s family could wait in line for housing for years, since the Ministry of Defense fund did not have the required number of living quarters. Military subsidies are aimed at helping servicemen purchase housing on their own. It can be used in the military mortgage program. As a result, the waiting period in line was reduced several times.
According to the Presidential Decree, military personnel with at least 10 years of experience cannot be transferred to the reserve (in fact, they can, but only at their own request) without receiving housing benefits. At the same time, he and his family should not have their own housing. Now, if a military man has been dismissed, the competent authorities must check whether he has the opportunity to become a recipient of housing.
General provisions for the provision of state aid
Federal law and Article 51 of the LC establishes exactly what criteria the military man is recognized as in need of updating his living conditions. So, these include the military:
- Living in living space that does not meet the requirements established by law (square footage, general condition, etc.).
- Living in a service building that is smaller than that established in the housing complex of the Russian Federation.
- Living in premises without a conclusion or under a social contract. rental, but in a communal apartment.
The following are defined conditions for receiving a subsidy:
The military man must provide a set of documents to receive a subsidy. He's writing statement, which indicates personal information and family members. A serviceman can be refused only if he is deregistered as being in special need.
Applicants for military subsidies there may be not only the military themselves, but also their widows and family members. To receive payment, they must also open a bank account.
Some military personnel may additionally increase the square footage of housing for 15-25 sq.m. These include:
- Commanders of military units.
- The highest military leadership is marshals, generals and admirals.
- Teachers working in higher educational institutions for military personnel.
- Colonels.
- Captains of the 1st rank.
For information on the provision of this state assistance for employees of the Russian Armed Forces, see the following video:
The article talks about new legislative norms for military personnel, replacing the procedure for them receiving housing from the state with the provision of a lump sum payment for the purchase and construction of housing. In this article: the intricacies of receiving EDV, calculations, persons entitled to additional housing, the concept of an increasing coefficient.
The Constitution of the Russian Federation enshrines the right of a military serviceman to his own housing, and the state is obliged to strictly fulfill its obligations to the defenders of the Motherland.
In mid-December 2013, the amount of a lump sum payment was announced that the Ministry of Defense would transfer to military personnel for the purchase of housing or its construction. If a military man's service life is more than 20 years, then he can receive about 5,000,000 rubles to purchase an apartment.
As the Ministry of Defense suggests, after the adoption of the new regulation, it will be easier to resolve problems for the relocation of military personnel, and this applies not only to army units, but also to all law enforcement departments where there are military personnel. According to the initiators of the law, this should also apply to retired military personnel whose term of service has already ended and their turn to receive housing has not yet arrived.
At the end of December 2013, the President signed the Federal Law of November 2, 2013 N 298-FZ “On Amendments to Articles 15 and 24 of the Federal Law “On the Status of Military Personnel”. Since 2014, the military, unlike the old scheme, are not provided with housing, but receive a lump sum payment from the state for these purposes.
This innovation is beneficial to everyone, both the state and the military itself:
- Now you don’t have to wait for many years for your turn to get housing.
- You can buy an apartment in the area of the city that you like best, and not in a military town, as before.
- The problem with bribery disappears. It is no secret that many military personnel had to achieve legal rights to housing through bribes.
- Not every construction company agreed to work with the Ministry of Defense, and the construction of residential facilities dragged on for years, and the quality left much to be desired.
- The state will no longer have the obligation to provide housing to citizens in public service, which includes not only military personnel, but everyone to whom the state was supposed to provide housing as part of their service.
Every year the number of people on the waiting list for housing from the state, which could not properly fulfill its obligations to military personnel, increased. Numerous problems accumulated, but they had to be solved urgently. In this regard, the initiative of the Minister of Defense could not have come at a better time: if the state begins to issue cash benefits for the purchase of an apartment, there will be a sufficient choice of the necessary housing, in addition, it will be possible to purchase not only an apartment within the boundaries of a military unit, but to build or buy your own house with a piece of land.
Who is eligible to receive a lump sum payments to military personnel for the purchase of housing?
- Everyone who has signed a contract to serve the fatherland since 1998. These include warrant officers, midshipmen, junior and senior officers.
- All retirees who during their service were never able to get an apartment.
As analysts noted, this reform has undeniable advantages. Firstly, the serviceman will have the opportunity to choose his own housing of the size and layout that he needs, and in the place where he likes it. In addition, many everyday situations are resolved, for example, the reorganization of a military unit, or injury in the line of duty, when a person was fired after serving for more than 10 years. Now these citizens also have the right to receive EDV.
How should everything actually happen, and where are the pitfalls?
Don't know your rights?
Let’s imagine that the Ministry of Defense transfers money to a serviceman, but this process is very lengthy, and formally, the money is considered received. There are still many doubts about the implementation of this program, but in the future EDV can eliminate all waiting lists for housing from the state. Families of military personnel will have the opportunity to use the EDV to buy an apartment in a new building, the prices of which are much lower than the market average.
What payments to military personnel for the purchase of housing are provided by the program?
As mentioned earlier, the program was launched on the initiative of S. Shoigu, who noted that the Ministry of Defense under the old scheme would not be able to soon provide housing to everyone in need, and besides, there were great restrictions on the choice of place of residence.
As for the amounts, for a single military man who has served for at least 15 years, the monthly allowance will be 3,000,000 rubles, and after purchasing housing, he can submit a report for dismissal. And many of them cannot do this, since they never received the housing promised by the state. If an officer has a family of more than three people, then the size of the EDV should be tripled.
The government expects to implement the receipt of EDV by military personnel from May 2014
Let us turn to Decree of the Government of the Russian Federation of February 3, 2014 No. 76, which defines the rules for determining payments. All calculations of the lump sum payment will be made by the federal authorities using the formula: P = N × C × Ks.
How is it deciphered?
N - data on the total required living space.
C - data on the cost of 1m2 for all regions of Russia, they are determined according to information from the Ministry of Construction and Housing of Russia, they are updated after 6 months.
Kc is a coefficient that determines the total duration of military service.
Based on these data, it is easy to independently calculate that an unmarried serviceman can count on a living space of 33 m2, for a married couple without children - 42 m2. And a family consisting of three people or even more is expected to have 18 m2 for each family member.
The rules highlight the category of military personnel who have the right to receive a subsidy for additional living space of 15 m 2: these are a colonel (captain of the first rank), a general (admiral) and a marshal. This rule also applies to the commander of a military unit, to a military personnel engaged in teaching activities; for those who have a military degree and serve in defense research institutes.
How to understand the term Ks?
Ks is a symbol for the increasing coefficient; it shows the length of service of a serviceman. For example, if a military man has served more than 10 years, but not 16, he will be given an increase factor of 1.85. And for those servicemen who were in the ranks from 16 to 20, the coefficient corresponds to 2.25. Next comes the calculation for those who served 21 years - 2.373, and for those who were in military service for more than 21 years - 2.75. In addition, for those families whose family member died, a coefficient of 2.75 will also be applied. If a serviceman has some kind of housing, but he is recognized as in need of additional living space, then he will also receive EDV, but the amount of the subsidy will be lower than for those who do not have any housing. To calculate the subsidy in this case, they do not take the cash equivalent, but the mandatory standard of living space.
Let's look at an example: a married serviceman without children is supposed to receive money for an apartment of 42 m2, but the family has an apartment of 36 m2. In this case, the difference in the missing area will be paid by the Ministry of Finance. The same scheme for calculating the EDV for those military personnel who live in a municipal apartment, even if they did not refuse it in advance.
Those military personnel who lost part of their living space in the event of a gift, sale (or for other reasons, part of their property passed into the possession of other people) will not receive the due payment. Then, when calculating the EDV, the area that the serviceman lost on his own initiative will be deducted.
Decree of the Government of the Russian Federation, who is entitled to EDV?
Although the Ministry of Defense has stopped funding the construction of houses for military personnel since 2014, those facilities for which funds were allocated before the resolution under consideration are still planned to be completed. As for the EDV, the Ministry of Defense expects to pay about 60 billion rubles to 11,000 generals, officers and military personnel under contract. For example, if a colonel served for 25 years, and his family consists of 6 people, then he can receive up to 11.5 million rubles for the purchase of housing.
What housing in the Moscow region can be purchased for this amount?
A decent new apartment in Moscow with one room costs approximately 6,000,000 rubles, for this money you can buy an apartment with 2-3 rooms on the secondary market. The cost of housing in the Moscow region is cheaper than in Moscow, and for this money you can find an apartment with 4 rooms.
The current resolution is not aimed at increasing budget costs, but at redistributing cash flows. Every year, approximately 30 billion rubles were allocated for the construction and acquisition of housing for military personnel, and the same amount was spent on maintaining military personnel who were no longer on staff, but were awaiting their turn to receive apartments. But, starting from 2014, all these funds are allocated to receive EDV for military personnel. All these amendments affected not only those who are in active service, but also those who retired, but were at one time recognized as in need of an apartment.
Where can I apply for a one-time benefit?
To receive a subsidy, you must apply to the Housing Department of the Ministry of Defense of the Russian Federation or its structural unit. The application is signed by the serviceman and all members of his family (or legal representatives of minors). An agreement on opening a bank account is attached to the application. The Housing Department independently, within 10 days from the date of receipt of the application, requests from the Rosreestr department information about the availability of housing for the serviceman and his family members, as well as about the transactions they made before applying for a subsidy.
After receiving such information, a decision is made within 10 days to issue the EDV. It is sent to the financial support department of the Ministry of Defense at the place of residence of the person applying for the subsidy and to the personnel authorities of the Ministry of Defense. A copy is sent or given to the recipient of the subsidy against signature.
Payments are made through the Federal Treasury.
How will military personnel receive a one-time allowance for the purchase of housing?
In many ways, calculations will depend on the number of family members of a serviceman, on the existing right to receive additional living space for certain categories of military personnel, and on the cost of one square meter of living space. The calculation of the benefit amount will be significantly influenced by the coefficient showing the length of service, and the greater it is, the greater the amount issued.
In accordance with modern legislation, military personnel have a special status that allows them to receive free housing on a preferential basis. This possibility depends not only on the availability of a valid contract with the Russian Defense Ministry, but also on a number of other factors. In the material presented, you can find out who is entitled to EDV for the purchase of housing, and how to obtain EDV for a military personnel.
Who is entitled to a lump sum payment for the purchase of housing?
Who can receive EDV for housing? Until 2004, the country had a well-established procedure for providing housing to needy individuals and their families upon discharge from military service. The Ministry of Defense entered into contracts with construction organizations to build houses, or bought ready-made apartments in new buildings.
The situation changed in 2006. It was decided to completely modernize the existing system. The main idea was to provide EDV to military personnel for the purchase of housing instead of directly living quarters. For more than 5 years, certificates for EDV were issued to military personnel in parallel with finished housing.
In 2013, the allocation of ready-made housing was completely abolished, and only EDV for military personnel remained, as amended by the decree of the President of the Russian Federation to the Federal Law “On the Status of Military Personnel.” The main idea was to provide the military with EDV on a permanent basis for housing instead of directly living quarters.
The following categories of persons can submit documents for receiving EDV to a military personnel:
- contract soldiers, warrant officers and officers serving since 1998;
- persons transferred to the reserve without the provision of residential premises through the Ministry of Defense of the Russian Federation.
Since 2016, only citizens who registered no later than January 1, 2005, when the Housing Code of the Russian Federation came into force, have the right to receive EDV.
Due to this restriction, since 2016, by decision of the Government of the Russian Federation, the EDV of military personnel who registered later than the specified period was frozen. They will be able to obtain housing only through the military mortgage program.
The instructions for paying EDV for the purchase of housing were approved by the Federal Law “On the Status of Military Personnel” dated May 27, 1998 No. 76-FZ, Order of the Ministry of Defense dated July 21, 2014 No. 510, as well as Government Decrees of the Russian Federation dated February 3, 2014 No. 76 and October 24, 2013 No. 942. The first step in realizing the right to EDV will be placing on a waiting list those in need of improved housing conditions.
The queue for receiving EDV for a serviceman is formed based on the date of submission of the application. You can track your turn to receive EDV for the purchase of housing in the unified register of military housing. The maintenance of such a register began in 2010 by the Ministry of Defense of the Russian Federation.
In the general queue for the provision of certificates, there are categories of citizens who have the right to priority receipt of EDV for a military apartment:
- with 20 or more years of service who live in official housing;
- those who entered into a contract before 1998 (except for students at that time in military educational institutions);
- those who served more than 10 years and were dismissed for health reasons, due to reduction or reaching the age limit.
Important! A housing certificate can be used to buy an apartment in a new building or on the secondary housing market, pay off a mortgage, or build a house. What is important is that a serviceman can do this in any region of Russia of his choice.
According to Decree of the Government of the Russian Federation No. 76, military personnel have benefits when receiving EDV for residential premises:
- teachers of military educational institutions, as well as scientific military workers with an assigned scientific degree;
- commanders of military units;
- persons holding the rank of colonel, captain 1st rank, general, admiral, marshal;
- persons applying for an increase in living space for medical reasons.
If these persons submit documents for the EDV for military housing, they may qualify for payment of an additional 15-25 sq.m. housing.
Features of receiving EDV
Does divorce affect military personnel from receiving EDV? If military personnel are presented with documents to receive EDV without taking into account other family members (for example, when divorce), the calculation of the payment amount will be significantly reduced. In this case, the standard per serviceman will be used - 33 sq.m.
Is EDV paid for housing to military personnel if, according to Rosreestr he had real estate? If the documents for receiving EDV for military personnel contain information about the existence of ownership rights to other residential premises, the standard when calculating the payment will be reduced by the area of the existing real estate.
The current housing program provides not only children's right for part of the monthly allowance of military personnel for the purchase of housing, but also a significant increase in the amount of payment. For example, for a family of three people the maximum payment will be increased three times.
Algorithm of actions
Payment of EDV for the purchase of an apartment involves the following algorithm of actions:
- placing a serviceman and his family member in line under the regional program;
- opening a bank account to receive EDV;
- registration and submission of an application to the authorized institution of the Ministry of Defense of the Russian Federation for the provision of EDV;
- checking with the Rosreestr authorities information about the absence of housing in the property of the applicant for EDV;
- making a decision on payment.
Queuing is carried out at the executive authority of the constituent entity of the Russian Federation at the place of military service. A decision on an application for registration must be made within 30 days.
After the serviceman’s family is registered, he is placed on the waiting list of those in need. Upon reaching the required queue, the documents are submitted to the Housing Department of the Ministry of Defense of the Russian Federation - an application and a bank account agreement are submitted.
An exhaustive list of documents for obtaining EDV by military personnel is approved by Order of the Minister of Defense No. 510. The application must be signed by all adult members of the serviceman’s family.
Amount of payment for housing for military personnel
According to the new rules, the amount of EDV payment for housing to military personnel in 2017 depends on:
- length of service (length of service) in military service;
- family composition - according to the standards for a family of 1 person, the housing area is 33 m2, for 2 people - 33 m2, for 3 or more people - 18 meters each.
- military rank - if the applicant is a colonel or has a higher rank, then this gives the right to receive funds for additional square meters;
- presence or absence of housing ownership.
If a family lives in its own apartment, but its square footage is lower than that established by housing legislation and the family is recognized as needy, then the amount of the monthly allowance for a military personnel for the purchase of real estate will be equal to the amount for which the “missing” meters can be purchased.
Options for improving housing conditions are chosen by the serviceman himself, but he is obliged to report on the purchase of housing no later than 30 days after registration of ownership.
When is it provided?
As soon as the complete list of documents for receiving EDV for housing for military personnel is received by the Department of Housing of the Ministry of Defense of the Russian Federation, a ten-day period begins for making a decision on payment. If a positive decision is made, it is subject to execution by the financial support department of the RF Ministry of Defense at the expense of the Federal Treasury.
Important! To receive EDV next year, you must submit an application no later than April 1 of the current year. This is due to the need to plan federal budget funds.
Data for EDV for housing can be transmitted through the military registration and enlistment office at the place of service of the applicant for payment. Military commissariats are the authorized body of the RF Ministry of Defense, including when resolving housing issues for military personnel and those transferred to the reserve.
Providing housing for discharged military personnel must be carried out no later than the day of dismissal from military service, although they can purchase an apartment after dismissal from the ranks of the RF Armed Forces.
Documents for receiving EDV for housing for military personnel
What does it take for military personnel to receive EDV? In order to receive EDV for an apartment, military personnel must collect and submit the following package of documents to the relevant department of the Ministry of Defense:
- application for payment;
- an extract from the current account opened in the name of the applicant for the transfer of funds;
- a copy of passports, birth certificates of all family members of the military personnel;
- an extract from your personal file or other document confirming your length of service;
- if you own housing, the number of meters is less than the established standards, a copy of the certificate of ownership.
Obtaining an apartment under the EDV is a complex process with a number of nuances and pitfalls. In this regard, we recommend that when purchasing a home using such funds, you seek help from qualified lawyers.
A similar procedure for improving living conditions contains a provision for receiving EDV for military personnel in the Federal Penitentiary Service. However, in this structure, the payment is issued in the form of a certificate, and persons who have served for at least 10 years and were dismissed from service for health reasons or organizational and staffing events are entitled to receive it.
If you need help in exercising your right to EDV, please contact our specialists for advice. To do this, use the feedback form on our website or call the hotline.
ATTENTION! Due to recent changes in legislation, the information in this article may be out of date! Our lawyer will advise you free of charge - write in the form below.
The military belongs to the category of beneficiaries who have the right to use various. One of them is a one-time cash payment to military personnel for the purchase of housing. Thanks to this benefit, many citizens become happy owners of their own apartment.
New provisions of the legislation on the provision of military housing
Recently, the Government of the Russian Federation decided that it will issue a one-time cash payment to military personnel for the purchase of housing in exchange for the provision of municipal residential property. State size assistance amounts to 5 million rubles. Beneficiaries have the right to spend the funds received on purchasing an apartment or building a house.
Thanks to innovations, many problems related to providing the military with living space are being solved. Families no longer need to be registered for several years in order to improve their living conditions. They have the right to buy an apartment in the area in which they prefer to live. There is an opportunity to purchase both new and secondary housing.
Who benefits from the subsidy?
Warrant officers, officers, military personnel, and contract employees have the right to receive one-time financial assistance from the state. Citizens who retired but did not receive living space during their service period are also entitled to take advantage of the benefit.
In addition to length of service, to receive a lump sum in 2019, it is required that the citizen does not have his own home. There are cases when a person is recognized as in need of improved living conditions if he has real estate. In such a situation, a person has the right to take advantage of state support, but in a reduced amount.
If a military man has lost part of his living space on his own initiative by selling or donating it, then in the lump sum payment for housing (HLH) calculator, military personnel should indicate only the area remaining in the property.
How to apply for financial assistance?
If a person wants to receive a one-time payment to military personnel to purchase an apartment, then he should visit the Housing Department of the Russian Ministry of Defense. You will need to draw up an application that must contain the signatures of all family members.
Next, you need to open a bank account. Over the course of 10 days, the government agency checks information about the serviceman and makes a decision. The final document is sent to the financial department and the applicant himself. Based on the decision of the Department, the beneficiary is awarded a one-time military allowance.
Calculation of the amount of financial state support
N*S*Ks=P, Where:
- N – data on the required area of residential real estate;
- C – the price per square meter of residential premises, which may vary depending on the region in which the apartment is purchased;
- Kc is a multiplying factor indicating the duration of a citizen’s military service.
You can calculate the approximate amount of financial benefits using the calculator for payments to military personnel for the purchase of housing in 2019 online. As a rule, the area that single military personnel have the right to claim is about 30 square meters. m. If you have a family, then it is possible to receive over 40 sq. m. m.
The concept of a multiplying factor
The increasing coefficient is an indicator of the duration of a citizen’s military service. For example, if a person served from 10 to 16 years, then the coefficient is 1.85, from 16 to 20 years - 2.25, over 21 years - 2.75. The latter indicator is also used for families where a serviceman died in the line of duty.
What is better: to use the EDV or get a mortgage for the military?
There is no clear answer to such a question. After all, both programs have their own advantages and disadvantages. Thanks to participation in the savings-mortgage system, citizens have the opportunity to become owners of residential premises within 3 years after joining this system.
