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Dating & Marriage With Women From Russia, Ukraine, Belarus & FSU => Ask a Russian Speaking Lady - Спроси у русской леди => Topic started by: Maxx on July 15, 2014, 10:58:51 AM

Title: Homelessness in Russia?
Post by: Maxx on July 15, 2014, 10:58:51 AM

Homelessness in Russia. I have an understanding that most everyone in Russia and Ukraine is assigned a home that they own 100%. A provision from the old Soviet Union days. I understand there are renters but as a percentage how many? In America about one third of "homeowners" own their home without debt. The other 2 thirds pay a mortgage (loan) to a bank and usually for 30 years. Are there mortgages there? If so what is the usual conditions of this loan?

Also in regard to property taxes. Here in America as a general rule about 1% of the value of the home is to be paid to the government in taxes. The average price of a house with it's land in America is about $250,000. Of course some places are far higher (Manhattan) and far lower (rural Mississippi). So if an average priced home of say 250K the yearly taxes would be about $2,500. What could you expect in Russia and Ukraine?

Also if you can not come up with the taxes how long will it take before the government throws you out into the street? Where do the homeless people sleep anyways?

While I am asking questions. Is turkey available there? And to those Russian and Ukrainian women who have tasted turkey do you like it?

(http://i87.photobucket.com/albums/k131/Maxx_1953/img_4195_zps2c2f746c.jpg)

(http://i87.photobucket.com/albums/k131/Maxx_1953/gty_turkey_kb_121116_wblog_zps2abd2feb.jpg)
Title: Re: Homelessness in Russia?
Post by: AKA Luke on July 15, 2014, 11:15:30 AM
Can't give you numbers but I know plenty of young people do rent.

When I visited Saint P there were lots of newly built apartment blocks on the outskirts up for sale, I mean who'd want to buy an apartment in a crumbling Soviet block?

I wouldn't.
Title: Re: Homelessness in Russia?
Post by: yankee on July 15, 2014, 11:23:20 AM
My wife is retired therefore she does not have to pay property taxes on the property she owns.
Title: Re: Homelessness in Russia?
Post by: Maxx on July 15, 2014, 11:48:20 AM

Thank you Luke and Yankee. All these details give me something to think about.
Title: Re: Homelessness in Russia?
Post by: Maxx on July 15, 2014, 11:59:21 AM
My wife is retired therefore she does not have to pay property taxes on the property she owns.

The government here are not so generous to it's older citizens. You hear of 90 year old widows being evicted in the winter by the banks and government. I am trying to figure if the American and Western systems are more or less kind to those struggling to survive? My mother got a $19 a month increase on her Social Security and because of her increase the landlord and the government care program she uses bumped their rent/fee a total of $21.
Title: Re: Homelessness in Russia?
Post by: sashathecat on July 15, 2014, 02:13:03 PM
This is the little I know on the subject and is for Ukraine only. Someone feel free to jump in and correct me.

The days of government issued housing are over as far as I know. Many people will still have their government issued apartments so will save on that cost. Some people like my MIL will own a home that was built slowly over time with their own funds. Babushka actually started building the home around WWII and they just add a room or new windows or what have you a little at a time as money is saved up. Many young people rent these days. Be it an apartment, or a room in a house.

People are financing new apartments but at shorter lengths of time and higher interest rates from what I understand. Many are bought cash with loans from relatives and friends which are relied on instead of the banks. They then repay these people back slowly.

There are many homeless orphans in both Ukraine and Russia. The numbers are staggering. I think there are 5k in Odessa alone. They live in the sewers and under the buildings next to the furnace pipes during the winter.

Do not think turkey is very available in Ukraine but wife loves it here.

Title: Re: Homelessness in Russia?
Post by: Manny on July 15, 2014, 02:28:09 PM
So if an average priced home of say 250K

$188k it says here (http://www.huffingtonpost.com/2014/03/13/median-home-price-2014_n_4957604.html).

Its cheap over the pond! Average house prices here are $295k (http://www.landregistry.gov.uk/public/house-prices-and-sales)

Also if you can not come up with the taxes how long will it take before the government throws you out into the street?

Do I read that right? Your government can evict you from your own home for not paying property taxes?

The days of government issued housing are over as far as I know. Many people will still have their government issued apartments so will save on that cost.

Same in Russia. Normal free market economy there now. Mortgages are available, uptake is increasing, but many still pay cash.

In answer to Luke, as for renters, yes many people rent. Many rent off the flats they got in Soviet times to younger people and use the income to supplement their living in a better place. Plenty of buying and selling going on, and many Rachman style Landlords.

The old style Soviet apartments are still very saleable. Where else could a young couple live for twenty or thirty grand? Or £150 a month? One starts in the crumble-down Soviet apartment and after making some cash, moves out and becomes a Russian Yuppie in a new build with an Audi Quattro. :chuckle:

Look at any British 60's tower block. It isnt much different. Many people who started life in those now live in a Barratt/Wimpey house in a suburb and enjoy a quality of life their parents could only have dreamt of at their age. 

Look at the transition in British society between the late 60's/mid 70's and the late 80's/early 90's, and that will give you a good idea of where Russia is today: 1991. But it happened there in a decade. These economies leapfrog (an economist can probably explain why). They miss out many of the middle bits in their accelerated growth.

What this means is they miss some steps. In consumerist terms, they jump from a Motorola 8500x to an iphone (figuratively). A huge leap. They jump from a Lada to an Audi. They jump from a shared bathroom in a Kommunalka to a sauna and a wet room in their own house. I know guys who couldn't buy a packet of cigarettes in 1998 who now have a new Mercedes (on a loan) and a new house in the suburbs (on a mortgage).
Title: Re: Homelessness in Russia?
Post by: sashathecat on July 15, 2014, 02:50:20 PM
Where do the homeless people sleep anyways?

Here is a link to a photographer who documents the homeless children living in Ukraine.

http://davidgillanders.photoshelter.com/gallery/street-children-of-ukraine/G0000unRJjlJjGrQ/ (http://davidgillanders.photoshelter.com/gallery/street-children-of-ukraine/G0000unRJjlJjGrQ/)

Adults will sleep under bridges or in parks. The life expectancy of a homeless person is the FSU is much lower than in a warm and sunny place here in the US I would imagine.
Title: Re: Homelessness in Russia?
Post by: sashathecat on July 15, 2014, 03:00:04 PM
Same in Russia. Normal free market economy there now. Mortgages are available, uptake is increasing, but many still pay cash.

As for renters, yes many people rent. Many rent off the flats they got in Soviet times to younger people and use the income to supplement their living in a better place.

In answer to Luke, the old style Soviet apartments are still very saleable. Where else could a young couple live for twenty or thirty grand?

Yes, was not sure if it was the same in Russia but sounds like it is. Financing and the real estate market are catching up to the West. Some of the older buildings are actually desirable due to the downtown location. People will buy them up and remodel to live in or rent which is a huge industry in Odessa at least with all the tourism. We know people who rent out the old Soviet apartments and have built themselves a newer home on the city outskirts.

Taxes go by property value, but people pay much less in Ukraine than we do in the West. Certain things like trash are tied to the number of people registered at an address. More people equals higher rates.
Title: Re: Homelessness in Russia?
Post by: AKA Luke on July 15, 2014, 03:09:44 PM

Do I read that right? Your government can evict you from your own home for not paying property taxes?


Not surprised to read that, after all non-payment of council tax can involve a stretch at her Majesty's pleasure.


Title: Re: Homelessness in Russia?
Post by: Dogsoldier on July 15, 2014, 03:11:10 PM
So if an average priced home of say 250K

$188k it says here (http://www.huffingtonpost.com/2014/03/13/median-home-price-2014_n_4957604.html).

Its cheap over the pond! Average house prices here are $295k





It's more like £295k down here...............
Title: Re: Homelessness in Russia?
Post by: Manny on July 15, 2014, 03:21:26 PM

Do I read that right? Your government can evict you from your own home for not paying property taxes?


Not surprised to read that, after all non-payment of council tax can involve a stretch at her Majesty's pleasure.

In extreme circumstances. But they cannot make you homeless or take your property. It is a fact that the underclass are not so well catered for in the US. We have social assistance and healthcare to catch those at the bottom of the ladder. We grew up with it; its normal for us. The US doesn't have the same protections.

The problem we have is many abuse our hospitality.
Title: Re: Homelessness in Russia?
Post by: Manny on July 15, 2014, 03:27:30 PM
So if an average priced home of say 250K

$188k it says here (http://www.huffingtonpost.com/2014/03/13/median-home-price-2014_n_4957604.html).

Its cheap over the pond! Average house prices here are $295k





It's more like £295k down here...............

When talking averages, your palatial residence is offset by snotters in Burnley (http://www.rightmove.co.uk/property-for-sale/property-45302752.html) at five grand. :chuckle:

Averages are probably pretty meaningless. In the north, you don't buy anywhere you would actually WANT to live for much less than £200k. And in the south that is probably £300k as you say.

Be happy: In America we are rich! For the price of a small semi in UK Suburbia we can have a 2500 sq ft house, a pool and stables in Florida or Oz.
Title: Re: Homelessness in Russia?
Post by: yankee on July 15, 2014, 03:30:53 PM
So if an average priced home of say 250K

$188k it says here (http://www.huffingtonpost.com/2014/03/13/median-home-price-2014_n_4957604.html).

Its cheap over the pond! Average house prices here are $295k





It's more like £295k down here...............

When talking averages, your palatial residence is offset by snotters in Burnley (http://www.rightmove.co.uk/property-for-sale/property-45302752.html). :chuckle:

I live in what used to be called a "blue collar" town.  Cannot even look at a house under $550,000.
Title: Re: Homelessness in Russia?
Post by: Dogsoldier on July 15, 2014, 03:34:37 PM
So if an average priced home of say 250K

$188k it says here (http://www.huffingtonpost.com/2014/03/13/median-home-price-2014_n_4957604.html).

Its cheap over the pond! Average house prices here are $295k





It's more like £295k down here...............

When talking averages, your palatial residence is offset by snotters in Burnley (http://www.rightmove.co.uk/property-for-sale/property-45302752.html) at five grand. :chuckle:

Averages are probably pretty meaningless. In the north, you don't buy anywhere you would actually WANT to live for much less than £200k. And in the south that is probably £300k as you say.

Be happy: In America we are rich!
Or this.....
£1 property (http://www.dailymail.co.uk/news/article-2184334/Empty-houses-sale-1-Britains-cheapest-street.html)  :hidechair:
Title: Re: Homelessness in Russia?
Post by: sashathecat on July 15, 2014, 03:56:05 PM
Also if you can not come up with the taxes how long will it take before the government throws you out into the street?

Do I read that right? Your government can evict you from your own home for not paying property taxes?

In the US they can put a lien on your home if you do not pay property taxes. They will take these funds (plus fees and interest) when you sell your home. If the amount accumulates to a certain extent or fines such as disrepair or code enforcement accumulate very high they can take your home. Or an investor can buy the lien and foreclose on your home taking it from under you.

In some States they can use eminent domain to seize your home for the better of the "community". This has been abused by those with money and connections. Here in Florida it is harder as we have laws protecting our homes moreso than in other States (Homestead Exemption, etc). In my wife's neighborhood in Ukraine there is a fight going on as they want to put a railway through the neighborhood. I imagine many countries have variations on the eminent domain laws.

The IRS can seize your home if you owe substantial back taxes but this is very rare.

In the US you don't ever actually own property the way the system is setup. You only lease it from banks or the almighty government.
Title: Re: Homelessness in Russia?
Post by: Larry on July 15, 2014, 04:10:22 PM
Also if you can not come up with the taxes how long will it take before the government throws you out into the street?

Do I read that right? Your government can evict you from your own home for not paying property taxes?

In the US they can put a lien on your home if you do not pay property taxes. They will take these funds (plus fees and interest) when you sell your home. If the amount accumulates to a certain extent or fines such as disrepair or code enforcement accumulate very high they can take your home. Or an investor can buy the lien and foreclose on your home taking it from under you.

In some places I've worked there are annual "tax sales", auctions of real estate for which property taxes have not been paid. 

Property taxes are senior to almost all other creditors' claims, even those of financial institutions who have lent the borrower the money to purchase the property. If a bank lends you $200,000 to buy a house, and records its security interest in the house in the local office where such things are recorded, and the $3,000 in property taxes are not paid, then the local government can auction the house off to pay off the taxes.  To forestall this possibility lenders typically insist that the borrower pay the property taxes directly to them, and they in turn pay the taxes to the local government.

Title: Re: Homelessness in Russia?
Post by: Manny on July 15, 2014, 04:16:40 PM
Also if you can not come up with the taxes how long will it take before the government throws you out into the street?

Do I read that right? Your government can evict you from your own home for not paying property taxes?

In the US they can put a lien on your home if you do not pay property taxes. They will take these funds (plus fees and interest) when you sell your home.

Same here. But that is an extreme measure after lots of court stuff over years.

If the amount accumulates to a certain extent or fines such as disrepair or code enforcement accumulate very high they can take your home.

I never heard of that here. It can probably theoretically happen, but is unlikely.

Or an investor can buy the lien and foreclose on your home taking it from under you.

That doesn't happen here. Not unless the lender seizes it and puts it in auction. But that takes ages of non payment of a mortgage. Not with local taxes.

In some States they can use eminent domain to seize your home for the better of the "community".

Only if you lived there 40 years and its falling around you and your 25 cats ears for all that time. And maybe you are senile or something. But generally not.

In my wife's neighborhood in Ukraine there is a fight going on as they want to put a railway through the neighborhood.

Compulsory purchase can happen for public projects. It happens, but the odds are miniscule.

The IRS can seize your home if you owe substantial back taxes but this is very rare.

Theoretically possible, but again unheard of.

In the US you don't ever actually own property the way the system is setup. You only lease it from banks or the almighty government.

Here we have leasehold (where someone owns the land the house stands on) or freehold (where you own it). But you can normally buy the freehold quite cheap; recently put into law. We bought ours last year for about $700. Although the "rent" is only something like $50 a year (I have one old property where its like $2 a year), it makes sales simpler, cuts bureaucracy and makes improvement permissions easier in the future. Its mostly a hangover from Victorian landowner days.
Title: Re: Homelessness in Russia?
Post by: sashathecat on July 15, 2014, 04:28:06 PM
Here we have leasehold (where someone owns the land the house stands on) or freehold (where you own it). But you can normally buy the freehold quite cheap; recently put into law. We bought ours last year for about $700. Although the "rent" is only something like $50 a year, it makes sales simpler, cuts bureaucracy and makes improvement permissions easier in the future. Its mostly a hangover from Victorian landowner days.

In a few States it is the same with both leasehold and fee simple (same as your freehold). Hawaii is an example where the lands are "owned" by the natives. The leases are setup for either 20 or 99 years and you must renew the lease at expiration. They are trying to phase out the leasehold to stimulate the market.

Mexico is leasehold as well. My aunt owns what must be a several million dollar home but leases the land it sits on.
Title: Re: Homelessness in Russia?
Post by: Ladine on July 15, 2014, 04:53:53 PM
sashathecat recently passed a law prohibiting at a people to take property for the loan. This can only be done in the case ? If you take a loan secured by real estate. and now it is not practiced. people are smart . Property tax , we have a but if you over 120-150 m. m And this is a site for the oligarch. Apartments in our small towns fell strongly in price. and win the one who buys a house or apartment now . In rural areas, there is even an empty house.  local authority can provide you with real estate if you intend to engage in private enterprise in agriculture

banking structure still a mess. Banks and yet still try to arrange moral blackmail for petty evasion during the loan. But their threat is no longer working  :chuckle: :)


Title: Re: Homelessness in Russia?
Post by: Ladine on July 15, 2014, 05:01:21 PM
Where do the homeless people sleep anyways?

Here is a link to a photographer who documents the homeless children living in Ukraine.

http://davidgillanders.photoshelter.com/gallery/street-children-of-ukraine/G0000unRJjlJjGrQ/ (http://davidgillanders.photoshelter.com/gallery/street-children-of-ukraine/G0000unRJjlJjGrQ/)

Adults will sleep under bridges or in parks. The life expectancy of a homeless person is the FSU is much lower than in a warm and sunny place here in the US I would imagine.

about children.

Children are really exist in the sewers . but it is not the fact that children do not have housing.
 It's not really orphans . children and disadvantaged families. Where parents are alcoholics and do not pay enough attention to children . In orphanages as often occur misconduct violations . and children because of their hormonal maturation and full of aggression and disagreement often go to live in a free zone . All because in orphanages children are treated as ordinary beings , who was thrown . that the child did not get used . They just give the room for housing, food, clothing . But none of the staff are not allowed to press to her and regret. because they're all equal . children grow up so full of indifference where and how they will subside . The main thing in their lives - their own pleasure.
Title: Re: Homelessness in Russia?
Post by: sashathecat on July 15, 2014, 05:17:59 PM
Where do the homeless people sleep anyways?

Here is a link to a photographer who documents the homeless children living in Ukraine.

http://davidgillanders.photoshelter.com/gallery/street-children-of-ukraine/G0000unRJjlJjGrQ/ (http://davidgillanders.photoshelter.com/gallery/street-children-of-ukraine/G0000unRJjlJjGrQ/)

Adults will sleep under bridges or in parks. The life expectancy of a homeless person is the FSU is much lower than in a warm and sunny place here in the US I would imagine.

about children.

Children are really exist in the sewers . but it is not the fact that children do not have housing.
 It's not really orphans . children and disadvantaged families. Where parents are alcoholics and do not pay enough attention to children . In orphanages as often occur misconduct violations . and children because of their hormonal maturation and full of aggression and disagreement often go to live in a free zone . All because in orphanages children are treated as ordinary beings , who was thrown . that the child did not get used . They just give the room for housing, food, clothing . But none of the staff are not allowed to press to her and regret. because they're all equal . children grow up so full of indifference where and how they will subside . The main thing in their lives - their own pleasure.

Yes, from what I understand this is true. The word orphan is many times used quite differently in the US and Eastern Europe. We have been doing some work on a project in this area and it is not such a simple problem. Many of the orphans still have one or both parents around, but who are incapacitated by drugs or alcohol. The kids prefer to live in groups in the streets with each other rather than in communal housing as you mention. Drug use is tied to the children's desire to live outside the confines of a shelter.
Title: Re: Homelessness in Russia?
Post by: Ladine on July 15, 2014, 05:24:26 PM
Where do the homeless people sleep anyways?

Here is a link to a photographer who documents the homeless children living in Ukraine.

http://davidgillanders.photoshelter.com/gallery/street-children-of-ukraine/G0000unRJjlJjGrQ/ (http://davidgillanders.photoshelter.com/gallery/street-children-of-ukraine/G0000unRJjlJjGrQ/)

Adults will sleep under bridges or in parks. The life expectancy of a homeless person is the FSU is much lower than in a warm and sunny place here in the US I would imagine.

about children.

Children are really exist in the sewers . but it is not the fact that children do not have housing.
 It's not really orphans . children and disadvantaged families. Where parents are alcoholics and do not pay enough attention to children . In orphanages as often occur misconduct violations . and children because of their hormonal maturation and full of aggression and disagreement often go to live in a free zone . All because in orphanages children are treated as ordinary beings , who was thrown . that the child did not get used . They just give the room for housing, food, clothing . But none of the staff are not allowed to press to her and regret. because they're all equal . children grow up so full of indifference where and how they will subside . The main thing in their lives - their own pleasure.

Yes, from what I understand this is true. The word orphan is many times used quite differently in the US and Eastern Europe. We have been doing some work on a project in this area and it is not such a simple problem. Many of the orphans still have one or both parents around, but who are incapacitated by drugs or alcohol. The kids prefer to live in groups in the streets with each other rather than in communal housing as you mention. Drug use is tied to the children's desire to live outside the confines of a shelter.

 just at our have 23 years of life completely disrupted the country. and now that time is needed to create it all over again. But recently took one child 5 months my mother 15 years. just because a minor child engaged guy (Brother mother and the child was neglected very much.'s another orphan)

I no longer understand what I write. I hope your understand?

 мозги уже на прочь отказываются от иностранных языков .
Title: Re: Homelessness in Russia?
Post by: Annushka on July 16, 2014, 02:27:44 AM

Homelessness in Russia. I have an understanding that most everyone in Russia and Ukraine is assigned a home that they own 100%. A provision from the old Soviet Union days. I understand there are renters but as a percentage how many? In America about one third of "homeowners" own their home without debt. The other 2 thirds pay a mortgage (loan) to a bank and usually for 30 years. Are there mortgages there? If so what is the usual conditions of this loan?

Also in regard to property taxes. Here in America as a general rule about 1% of the value of the home is to be paid to the government in taxes. The average price of a house with it's land in America is about $250,000. Of course some places are far higher (Manhattan) and far lower (rural Mississippi). So if an average priced home of say 250K the yearly taxes would be about $2,500. What could you expect in Russia and Ukraine?

Also if you can not come up with the taxes how long will it take before the government throws you out into the street? Where do the homeless people sleep anyways?

While I am asking questions. Is turkey available there? And to those Russian and Ukrainian women who have tasted turkey do you like it?

(http://i87.photobucket.com/albums/k131/Maxx_1953/img_4195_zps2c2f746c.jpg)

(http://i87.photobucket.com/albums/k131/Maxx_1953/gty_turkey_kb_121116_wblog_zps2abd2feb.jpg)

Maxx, I have a friend in Twitter from Australia. His family first wave of immigrants from Russia. Although he was a professor of economics in Japan, now in Australia universities. Alex wants to return to his family home - in Russia. He was interested in my story about Siberia. And requested advice on the acquisition of real estate in Russia for a foreigner. Assessment of his home in Australia also: order 250000$.

Please, links:

Foreigners in Russia: how to buy real estate?

http://ipro-blog.ru/?p=541 (http://ipro-blog.ru/?p=541)

The cost of housing in Russia varies depending on the region.

Property tax for seniors.

http://mamadu.ru/statya/nalog-na-imushestvo-dlia-pensionerov.htm (http://mamadu.ru/statya/nalog-na-imushestvo-dlia-pensionerov.htm)

Savings Bank of Russia. All of the mortgage.

http://www.sberbank.ru/moscow/ru/person/credits/home/mot/ (http://www.sberbank.ru/moscow/ru/person/credits/home/mot/)

As a rule, Russian homeless are illegals and guest workers. For people in difficult life situations are institutions of social care for the homeless Social Protection Committee.

PS This pompous Diet chicken nicknamed turkey lives, multiplies and is commercially available in Russia. Certainly, we will be eaten. :)
Title: Re: Homelessness in Russia?
Post by: Net_Lenka on July 16, 2014, 05:56:11 AM

Homelessness in Russia. I have an understanding that most everyone in Russia and Ukraine is assigned a home that they own 100%. A provision from the old Soviet Union days. I understand there are renters but as a percentage how many? In America about one third of "homeowners" own their home without debt. The other 2 thirds pay a mortgage (loan) to a bank and usually for 30 years. Are there mortgages there? If so what is the usual conditions of this loan?

Also in regard to property taxes. Here in America as a general rule about 1% of the value of the home is to be paid to the government in taxes. The average price of a house with it's land in America is about $250,000. Of course some places are far higher (Manhattan) and far lower (rural Mississippi). So if an average priced home of say 250K the yearly taxes would be about $2,500. What could you expect in Russia and Ukraine?

Also if you can not come up with the taxes how long will it take before the government throws you out into the street? Where do the homeless people sleep anyways?

While I am asking questions. Is turkey available there? And to those Russian and Ukrainian women who have tasted turkey do you like it?

As it's not such many years passeds after the fall of the USSR then yes almost everybody do have a roof above a head yet ( bad or good one but there is  a place where to live anyway.  (I speak about average people but not about "antisocial elements" who sold their flats for a botle of vodka or about  those unfortunate people who lost there property due to some frauds with estate)


  I could be wrong with statistic   but I recall it was about 80% of privatizared "soviet" flats and the right to privatizate a flat gotten before 1991 is prolonged till 2015. Privatizated flat means you have no debts, and taxes are counted from "official" price wich is more than 10 times lower than what you could get at a "market" if you decide to sell your flat . The last bill with taxes  we got for our three rooms Moscow flat was about 1500 RUB (for a year) For comaprison we paid 1200 rub tax for the car at the same time.
With such amounts it's indeed hard to get in troubles because of not paying taxes. But the talks is going to change the rules for we would pay much more .... well we will see .. till now we could only thank former Soviet Union for our flat .

Paiment for communal servises ( gaz-water-electricy and e.ts)  is another case With "average' amount about 3000 rub per month it easely to get into situation when some day you face  a huge debt if you  didn't pay your bills. ( for some reasone - like losing job or not having movey to pay bills because of paying bill for somehealth care) But our state is still too human in such cases - nobody could be thrown on street even in this cases  I recall only few "show-off" cases when families were punished whith moving to tiny social rooms because they didn't pay communal bills for years.

 And it's different situation if you deal with debt to bank for your flat - here there would be no mercy in a case you could not pay mortage -- bank would get your flat and it 's your problem where to live

I can't provide 100% correct numbers for mortage as "it's all depends" but one for sure it's VERY expensive game. First paiment various from 10% till 50% of the whole price and % for mortage goes from 8-10% (some special state progamms - like programm for "young family" or for teachers"   till 18(20)%.  Average cost for Moscow estate - 4000$ per 1m2 , average salary in MOsocw about 1500$ And if  it's possible to belive statistics 13% of Russians got credit  mortage in 2013

It's above me to get who are those people who are too "optimistic"  to deal with mortage  To my mind  the real way for new generation to get a place to live is a rent - ( or waiting till some grand mother with soviet flat die to sell out her flat and only then get a mortage)
Title: Re: Homelessness in Russia?
Post by: Maxx on July 16, 2014, 12:37:44 PM

Thank you Net_Lenka and Annushka for the information and links. I've always been curious how the system works there in comparison to the one here. I am of the belief that American ways are not always the best ways. It seems like the American poor are being taken for every dollar they have. When a person goes into a care center for their old age they take everything and only allow the resident to keep $45 a month for personal expenses. Only the wealthy are allowed to pass on their life time savings to their children. There are some tricks they could use while they are still relatively young but few know about this. So when they get old the system strips them of everything.

http://crooksandliars.com/2014/07/calif-landlord-evicts-98-year-old-woman
Calif. Landlord Evicts 98-year-old Woman Who Paid Rent On Time For 50 Years

Quote
A 98-year-old San Francisco woman said this week that she is being evicted from her apartment after 50 years, and she's never once been late paying her rent.

KRON reported that Urban Green Investments is using the 1986 Ellis Act to kick Mary Phillips out of her apartment so the company can cash in on the surging real estate market in San Francisco. The Ellis Act allows landlords to evict tenants if they are getting out of the rental business.

“I’ve been very happy here,” Phillips explained. “I’ve always paid my rent, I’ve never been late.”

Phillips, who is one of many the low-income families and seniors being evicted, has vowed to fight the eviction because she has nowhere else to go.

“I didn’t sit down and cry, I just refused to believe it,” she said. “They’re going to have to take me out of here feet first.”

“Just because of your age, don’t let people push you around,” she said.
Title: Re: Homelessness in Russia?
Post by: Net_Lenka on July 16, 2014, 01:45:10 PM
It's just seems we are moving to the same "capitalistic" derection - you are on your own with your problems - and all state could do for you is to take off taxes from your pocket I have not idea what peopel will do when appartments which were build in soviet times wear out complitely
Title: Re: Homelessness in Russia?
Post by: Manny on July 16, 2014, 02:27:18 PM
It's just seems we are moving to the same "capitalistic" derection - you are on your own with your problems - and all state could do for you is to take off taxes from your pocket I have not idea what peopel will do when appartments which were build in soviet times wear out complitely

Do you think it is the state's duty to house everyone, Helen?

Dont you think that capitalism works OK in the countries that practice it already?
Title: Re: Homelessness in Russia?
Post by: GuppyCaptain on July 16, 2014, 04:14:48 PM

Thank you Net_Lenka and Annushka for the information and links. I've always been curious how the system works there in comparison to the one here. I am of the belief that American ways are not always the best ways. It seems like the American poor are being taken for every dollar they have. When a person goes into a care center for their old age they take everything and only allow the resident to keep $45 a month for personal expenses. Only the wealthy are allowed to pass on their life time savings to their children. There are some tricks they could use while they are still relatively young but few know about this. So when they get old the system strips them of everything.

http://crooksandliars.com/2014/07/calif-landlord-evicts-98-year-old-woman
Calif. Landlord Evicts 98-year-old Woman Who Paid Rent On Time For 50 Years

Quote
A 98-year-old San Francisco woman said this week that she is being evicted from her apartment after 50 years, and she's never once been late paying her rent.

KRON reported that Urban Green Investments is using the 1986 Ellis Act to kick Mary Phillips out of her apartment so the company can cash in on the surging real estate market in San Francisco. The Ellis Act allows landlords to evict tenants if they are getting out of the rental business.

“I’ve been very happy here,” Phillips explained. “I’ve always paid my rent, I’ve never been late.”

Phillips, who is one of many the low-income families and seniors being evicted, has vowed to fight the eviction because she has nowhere else to go.

“I didn’t sit down and cry, I just refused to believe it,” she said. “They’re going to have to take me out of here feet first.”

“Just because of your age, don’t let people push you around,” she said.

Really? You're kidding, right? I'm a landlord myself. A responsible one at that and not a slumlord. While it's certainly sad that the old lady wants to stay there, if her lease is not being renewed or she's on month-to-month rent, then the leasing company/landlord is not doing anything wrong.

I treat my tenants like they treat me. If they're good to me then I'm the same to them. If they try to screw me over, then they quickly come to realize that they tried to walk over the wrong person.

If I was selling a rental property, I'd try to help those tenants that were good tenants, but something like this certainly wouldn't stop me from selling the place. A tenant should never assume when they move into a place that it's permanent. If they wanted permanency then owning a home would be in order.

Personally, this "story" sounds more like a news channel that's looking for a story and what better story than "big business evicts poor old lady". There's more to this than what's being written.
Title: Re: Homelessness in Russia?
Post by: Mikeav8r on July 16, 2014, 05:44:12 PM
I have to agree in the sense that tenants aren't the only ones that seem to get the short end all the time.  I just lost $3,000.00 because my last tenant decided to skip town without paying rent and left half of her belongings in my house.  I will always do what I can to help out my tenants but when one screws me over, I will go after them to the fullest extent of the law....and you know what the shame of it all is?  I won't see a dime of that lost money.

* - I am not a slumlord either...I was basically forced to rent that house as I only had it for 21 months before I had to move. I wouldn't rent properties by choice to be honest.
Title: Re: Homelessness in Russia?
Post by: Maxx on July 16, 2014, 06:41:39 PM

I agree with you two guys in the principal of property ownership but what I am wondering would something like this happen in the FSU? Or do the elderly get other breaks besides not paying property taxes? Would a 98 year old woman get evicted by capitalist property owners? Or is there enough of the old Soviet Union system left that protects the rights of the proletariat from the bourgeoisie capitalist roaders?
Title: Re: Homelessness in Russia?
Post by: Mikeav8r on July 16, 2014, 08:22:21 PM

I agree with you two guys in the principal of property ownership but what I am wondering would something like this happen in the FSU? Or do the elderly get other breaks besides not paying property taxes? Would a 98 year old woman get evicted by capitalist property owners? Or is there enough of the old Soviet Union system left that protects the rights of the proletariat from the bourgeoisie capitalist roaders?

I just don't see the people themselves doing that to a Baboushka.  They tend to treat their people better over there whereas the greenback carries more weight over here with many.

With that said however, most states laws are geared more towards protecting the tenants than the landlords so it is not as common as one might think over here.  As an example, look at squatters rights....there are some crazy stories about people living in others homes rent free and the owners are powerless to evict.  Some crazy stuff.
Title: Re: Homelessness in Russia?
Post by: GuppyCaptain on July 16, 2014, 08:46:41 PM
I have to agree in the sense that tenants aren't the only ones that seem to get the short end all the time.  I just lost $3,000.00 because my last tenant decided to skip town without paying rent and left half of her belongings in my house.  I will always do what I can to help out my tenants but when one screws me over, I will go after them to the fullest extent of the law....and you know what the shame of it all is?  I won't see a dime of that lost money.

* - I am not a slumlord either...I was basically forced to rent that house as I only had it for 21 months before I had to move. I wouldn't rent properties by choice to be honest.

Oh the nightmare stories I could share. The simple fact of the matter is that there are bad landlords and there are bad tenants, but proportionately speaking there are FAR more bad tenants than landlords. It's as simple as that.

With regard to the story, I think there's more to it than what the news channel is portraying.
Title: Re: Homelessness in Russia?
Post by: GuppyCaptain on July 16, 2014, 09:00:51 PM

I agree with you two guys in the principal of property ownership but what I am wondering would something like this happen in the FSU? Or do the elderly get other breaks besides not paying property taxes? Would a 98 year old woman get evicted by capitalist property owners? Or is there enough of the old Soviet Union system left that protects the rights of the proletariat from the bourgeoisie capitalist roaders?

You can't evict someone without just cause such as not paying rent, persistent disturbance to the neighborhood, or damaging the apt. It doesn't "sound" like any of that was in play here, so again they can't just evict her.

However, she was either on month to month or a lease (typically a year). If either term ran out, the landlord was well within their right to not renew the lease, therefore she'd have to move.

Now, if it was me and if she had been a good tenant, of course I'd give her as much notice as possible that her 50 year living situation was going to be changing.

As an aside, what's amazing to me is that so many people are still renting when they could own a home (paying off a mortgage) for basically the same payment.
Title: Re: Homelessness in Russia?
Post by: Net_Lenka on July 16, 2014, 10:52:33 PM
It's just seems we are moving to the same "capitalistic" direction - you are on your own with your problems - and all state could do for you is to take off taxes from your pocket I have not idea what people will do when apartments which were build in soviet times wear out completely

Do you think it is the state's duty to house everyone, Helen?

Dont you think that capitalism works OK in the countries that practice it already?
You see I was grew up exactly with the idea that such basic needs like a place to live, health care and education and job places must be the responsibility of the state - it was a basic right wrote in our soviet constitution

I am speaking about MY country where there is "winter" 9 mothes in the year and you can't just sleep in cardboard box at a street Also 74% of our population live in towns in apartments I really have not idea how it all will work in future when a time come to demolish dilapidated houses we got from the USS. Now it's still a head ache of governmet which is obligated to build a new house even for those who had a flat in private property But talks are going here and there that it could not be so any more But with such a gap between salaries and prices for estate 50 % of us would appear at streets. I have not idea how fine it works in other "capitalistic" countries but here - in our conditions - evasion of state from problems with housing in TOWNS would leave just to catastrophe


PS as for problems with getting rent from  the tenants in a case with private estate then in reality it's all a problem of lanlords They of course could  file a claim in court (if they signed an agreement with tenants and paid taxes themselves to begin with) but actualyy that problem is sold in majority cases with just getting rent ahead But again in Russia renting some private state means in 90% that "tenats" do have place to live somewhere  else ( in other city- tiny one-bad one-  but they  do have it) So I didn't know cases when the tenants were thrown on street and had not place where to live
The stories when one  killed somebody who shared rights on the same flat in order to get " the space" are more common though  :-\
Title: Re: Homelessness in Russia?
Post by: Annushka on July 17, 2014, 06:07:51 AM

Thank you Net_Lenka and Annushka for the information and links. I've always been curious how the system works there in comparison to the one here. I am of the belief that American ways are not always the best ways. It seems like the American poor are being taken for every dollar they have. When a person goes into a care center for their old age they take everything and only allow the resident to keep $45 a month for personal expenses. Only the wealthy are allowed to pass on their life time savings to their children. There are some tricks they could use while they are still relatively young but few know about this. So when they get old the system strips them of everything.

http://crooksandliars.com/2014/07/calif-landlord-evicts-98-year-old-woman
Calif. Landlord Evicts 98-year-old Woman Who Paid Rent On Time For 50 Years

Quote
A 98-year-old San Francisco woman said this week that she is being evicted from her apartment after 50 years, and she's never once been late paying her rent.

KRON reported that Urban Green Investments is using the 1986 Ellis Act to kick Mary Phillips out of her apartment so the company can cash in on the surging real estate market in San Francisco. The Ellis Act allows landlords to evict tenants if they are getting out of the rental business.

“I’ve been very happy here,” Phillips explained. “I’ve always paid my rent, I’ve never been late.”

Phillips, who is one of many the low-income families and seniors being evicted, has vowed to fight the eviction because she has nowhere else to go.

“I didn’t sit down and cry, I just refused to believe it,” she said. “They’re going to have to take me out of here feet first.”

“Just because of your age, don’t let people push you around,” she said.


Maxx, this very old grandmother, born in 1916. May God grant her good health!
In Russia, the most socially protected - the elderly. 80-year old senior citizen put supplementary pension and payment for the care.
This means that old age older people meet:
1. At home, in the circle of family favorite.
2. Lonely elderly receive constant care from Social Security and a stranger. If staying at home.
3. And as there are nursing homes, to live together alone. They can be both public and private.