home Credits The state program is an apartment for a young family. Options for obtaining an apartment and land for a young family. Procedure after the allocation of land

The state program is an apartment for a young family. Options for obtaining an apartment and land for a young family. Procedure after the allocation of land

Many young spouses are very long time are in a far worse financial situation.

Buying your own housing, providing everything necessary for a newborn, paying for kindergarten and school supplies - this is the heavy burden that falls on the shoulders of all parents.

To improve the demographic situation, the state is trying to provide all kinds of support to young families.

Some programs of a social nature involve only indirect measures, while others directly help both parents and children.

Legislative regulation

Legislation Russian Federation puts forward the following requirements for a potential participant in a housing program aimed at financial support for young spouses:

Spouses who entered the program in 2019 can expect to receive preferential social subsidies in the amount of 30% of the cost of the purchased housing.

State assistance to families in the countryside

One of the main responsibilities of the state is to ensure a decent standard of living for citizens. First of all, this is financial support related to the purchase of your own home.

a one-time allowance dedicated to the birth of a baby (16,759.09 rubles - increases annually). Payment can be received by any of the parents / guardians at the place of their official work or in the department social protection population in accordance with the registration.
RUB 655.49 if the woman was registered during the first 12 weeks of pregnancy;
4512 rub. monthly for 140 days (70 before the birth of the baby and 70 after) if the woman was dismissed from work due to the fact that the enterprise was liquidated or individual completed its activities.

State assistance may differ depending on the region of residence, so information on the due payments must be clarified on the spot.

Benefits and payments to large families

A by-law - the Decree of the President of 05.05.1992 defines a "large family". In accordance with it, each regional government must make an independent decision regarding large families and choose its own form of support for this category of citizens. Some measures are of a generally accepted nature and are applied in all regions of the country.

A large young family has the right to the next state aid:

In addition, a large young family can count on:

free distribution of medicines to a child under 6 years of age, in accordance with a doctor's prescription;
provision of free travel on intracity and intra-district transport;
admission of a child to kindergarten out of turn;
free meals at school and vocational school;
free provision of school and sportswear;
free admission to an exhibition, museum or other cultural event once a month.

How to get help

To participate in programs designed to improve living conditions, the family must bring the following to the Municipal Property Management Committee or the multifunctional center documentation:

original and copy of the passport of each family member;
a copy of the children's birth and marriage certificates;
extract from the house book;
certificate of registration at the place of residence;
cadastral passport;
a document confirming the fact that the family needs to improve their living conditions.

Obtaining a certificate in accordance with the program "Maternity Capital" involves the following procedure:

Writing an application (the standard form is in any branch of the Pension Fund of the Russian Federation);
Providing the following package of documents:
- Passport of the parent / guardian;
- the applicant;
- Birth certificates of children;
- Confirmation of Russian citizenship (issued by the Passport and Visa Service);
- Documents confirming the right of a person to receive a certificate in the event that it was not the mother of the children who came for him.

The procedure for obtaining other benefits and allowances for young families can be found at the place of residence, for example, in a multifunctional center, as they may be different depending on the region.

Regional assistance

Rostov region invites young families to take advantage of the conditions of subprograms that involve state support in improving housing conditions and providing affordable and comfortable housing.

List of social support:

budget subsidies that repay part of the interest on loans and borrowings for the construction and purchase of housing;
budgetary financial assistance, through which you can pay off your housing loan debt in the event of the birth (adoption) of a baby;
subsidies for the purchase (construction) of housing, for the provision of which a young doctor or a worker in a scarce profession in the health care system can apply.

Young families living in Moscow and St. Petersburg, can also participate in the federal program "Affordable Housing". In addition, the capital supports the development of a regional municipal project that expands the possibilities for improving living conditions.

The following financial state assistance is provided:

Citizens registered as in need of better housing conditions can receive subsidies.
A special program provides for the purchase of an apartment from the city at 10% per annum. The loan term is 10 years. At the same time, the initial contribution is partially repaid by the state (from 10 to 20%).
A needy family can rent an apartment on preferential terms for 5 to 10 years.

St. Petersburg is implementing its own subprogram, which allows citizens to receive an interest-free loan for 10 years on the following conditions:

the first installment + 30% of the cost must be paid immediately;
the rest must be repaid within 10 years.
Only those families who have lived in the region for at least 10 years can use these conditions.

Period of validity of the state program "Young Family" in the Krasnodar Territory started back in 2010.

Local authorities focus their assistance in several areas:

A young family can receive targeted cash subsidies for the purchase of housing. The amount of support depends on the area and size of the family and varies from 450 to 900 thousand rubles.
The project actively involves commercial banks in cooperation, which should provide young people with the opportunity to receive preferential mortgage lending (reduced rates, repayment of mortgages through state subsidies, etc.).

The end of 2012 was marked by the introduction of significant changes aimed at preventing Russians from striving for mortgage lending, and financed the construction of housing on their own. Thus, the list of grounds for receiving payments under a construction contract, shared construction or sale and purchase has been expanded. In addition, a ban was introduced on payment through state subsidies for housing purchased on the secondary market and contributions under loan agreements.

For preferential mortgage lending for young families, see the following video:

Every person, and even more so every family, wants to have their own separate corner in order to build their own nest there. But not everyone can afford to buy an apartment.

It is precisely for such young families that the Young Family program was developed, which in 2017 gained even more popularity among the inhabitants of Russia.

The essence of the program

State program "Young Family" 2017-2020 is aimed at improving the living conditions of the newly minted cells of society, as well as consolidating their position financially. This project ran from 2011 to 2015. However, Dmitry Medvedev announced a possible extension of the program until 2020. The extension of this program will help many families realize their cherished dream - the acquisition of their own living space. It is planned to provide more than 170,000 Russian couples with housing.

Do not confuse with the Young Family program from Sberbank.

Basic conditions and purpose of the program

All such state programs have 2 main goals:

Support for the poor.
Increase in construction volumes in the Russian Federation.

By reducing the market value of housing, many families will be able to afford to buy property. Initially, the maximum cost per 1 sq.m should not exceed 30 thousand rubles, however, after the program began to function, this price soared to 35,000 rubles. in certain regions of the country. This jump is due to the fact that prices for Construction Materials increased the cost of land.

The main and only condition of the "Young Family" program is that the location of the future home is determined by representatives of the local authorities. They also approve the developer's company, all the necessary documents, projects, according to which the house will be built.

Already by July 1, 2017, 25 million square meters of housing, which are located in 67 subjects of the federation, will be ready for delivery.

In addition, each project must be located with a developed infrastructure, and if there is none, then by the time the object is commissioned, all the necessary buildings (parks, hospitals, kindergartens, shopping centers) should be within walking distance. Another important condition concerns the cost of housing. It should not be higher than 80% of the cost of apartments in the city. Price control is carried out on the basis of federal law.

Who can participate in the Young Family Program?

The conditions for program participants remain the same, namely:

only those families whose dwelling area per each member is less than established in the region of their residence participate in the program;
spouses must be adults. Another nuance - both must be under the age of 35 at the time of application for participation in the Young Family Program;
Families that have their own housing are not allowed to participate.
The government only queues up families that really need an apartment or a house;
joint residence of spouses;
minimum income for two - 21,621 rubles, for three - 32,510 rubles;
at least 1 child in the family;
all family members, including children, must be citizens of the Russian Federation.

For more information about who, according to Art. 51 of the Housing Code of the Russian Federation is recognized as needing housing:
1) if the citizen (and his relatives with whom he is registered) do not own residential premises, and they do not live in “social housing” (i.e. under a social tenancy agreement);
2) if a citizen (or his relatives who have him registered) owns residential premises, or they live in “social housing” (i.e. under a social tenancy agreement), but the area of \u200b\u200bliving premises for each resident is less than the established (accounting) norm;
The accounting norm for living space, below which a family is defined as needy, varies in the regions of Russia, but on average it is 10-14 square meters. meters per person. It takes into account total area housing (without balconies and loggias), as well as all citizens officially registered (registered) permanently on it;
3) citizens living in premises that do not meet the necessary requirements, i.e. in emergency housing;
4) citizens living with a patient suffering from a severe form of a chronic disease, in which cohabitation is impossible.
When determining the level of housing provision (i.e. how many square meters per person), it matters:

where each family member is registered, regardless of the place of actual residence;
what is the total area of all premises, while taking into account: a) premises (including shares) owned by a citizen, b) premises occupied by a citizen under a social contract. hiring, c) premises owned or occupied under a social contract. employment by relatives with whom the citizen is permanently registered;
and how many people are registered in the considered premises. Thus, if the spouses do not own housing, they still will not be able to get into the program if their parents (who have them registered) have a housing of sufficient size, since the square footage of the parents' property is also taken into account. The family must have their own funds, which, together with the subsidy, will be enough to buy a home, or have income that will allow them to take out a loan for the missing amount. At the same time, funds should be enough to purchase housing, based on the estimated cost, and such an area that each family member has at least the established norm of square meters. meters.

What is the amount of the subsidy? And how to use it?

Each payment case is calculated separately. In order to more accurately know the volume of material compensation, one should take as an example following principles calculation:

Young families without children receive 35% of the price of the housing they purchase;
If there are children in the family, then the amount of compensation increases to 40% of the amount for the purchased apartment. In cities of federal significance, this interest rate is reduced. So, in St. Petersburg and Moscow, childless families can receive 30% of material assistance, while a family with children - 35% of housing cost reimbursement.

Subsidies can be used:

for the purchase of housing;
for the construction of their own house;
for a contribution to the housing cooperative (housing and construction cooperative) for registration of ownership of the apartment;
for a down payment on a mortgage;
to pay off debt on a mortgage or other housing loan issued before January 1, 2011.

If you meet all of the above criteria and are ready to comply with the necessary points, start collecting a package of documents.

Required documents

Required package of documents for participation in the program:

The application is written according to a standard template (can be found on the State Services website) in 2 copies. The text of the application should contain information on exactly what difficulties the young family is experiencing in terms of housing, as well as a reasoned need for state financial assistance.

After the package of documents has been collected in full, the family should contact the real estate department at the place of residence (or other authorized body), submitting a copy of the application. The applicant takes the second copy with him.
The estimated time for consideration of the application does not exceed 10 working days. After this period, the applicant receives a letter from the department informing him of the decision.
In the case of a positive answer, the young family becomes a participant in the program (however, the certificate is issued only when the queue comes up).

After receiving the certificate, you should contact the bank with it to open an account, where they will be transferred cash(this must be done no later than 2 months after receiving the document).

Applicants should pay attention to the fact that the maximum mortgage amount cannot exceed 2.2 million rubles, in addition, it is forbidden to buy secondary housing under the program.

We wish you good luck in solving housing problems and registration!

Russia provides assistance programs for young families

The activities of the Russian government are aimed at helping vulnerable segments of the population.

These include:

old people
families with three or more children
disabled people
the poor

Today, the help of a young family from the state is especially needed. Spouses are very often financially limited, have no free cash and cannot afford to buy their own separate home.

To increase the birth rate in the country, it is necessary to provide high-quality support to the cells of society, therefore, every year the government allocates considerable funds from the annual budget for the development and implementation of various social support programs for citizens.

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State benefits and assistance programs for young Russian families

Assistance provided at the federal and local levels, can provide significant support in the implementation of the life plans of the spouses. Therefore, it is important to know what subsidies and benefits are due to a young husband and wife.

affordable housing

The housing issue remains one of the most urgent in the country. Few young families have free funds to buy a separate apartment or build a residential building. Living with parents or renting an apartment is not always convenient and profitable.

Government activities are aimed at solving this acute problem. Large amounts of money are allocated annually from the federal and regional budgets for the development and implementation of special social assistance programs for citizens.

“Providing young families with affordable housing” is one of the most sought-after and popular types of government support for citizens.

The program has existed for more than a year and is aimed at providing real assistance to the population of Russia for the purchase of housing. The state allocates funds in the amount of 30-35% of the total cost of housing. The rest must be paid by the participants of the program.

Who can get help

There are a number of conditions that a young spouse must meet in order to issue a certificate:

Wife and husband cannot be over 35 years of age when entering the program.
A family wishing to receive a subsidy must be recognized by local governments as really in need of better housing conditions. Under the terms of the project and the legislation of the Russian Federation, each family member, including small children, is entitled to at least 18 meters of space.
The spouses have savings or income that is enough to pay 65-70% of the amount when buying a house or apartment, or they have the opportunity to register mortgage loan V commercial bank.

Incomplete families with one or more children who meet the general criteria and requirements can also use the right to state assistance.

Upon submission of knowingly false or incomplete documents, the spouses will be excluded from the program participants.
The right to receive assistance is a certificate that is transferred to a commercial bank.

Further, on behalf of the client, the funds allocated by the state are sent to purchase an apartment under a sale and purchase agreement or draw up documents for the construction of an individual residential building.

It is important to note that the certificate must be transferred to the specified bank no later than two months from the date of its receipt, otherwise it will be invalidated.

How can you manage money

There are several options for where. Young spouses have several options for disposing of the document:

Buying an apartment or house, both in the primary and secondary markets, for those who joined the program before 2014.
Acquisition of housing in the primary market.
Making a down payment on a mortgage.
The direction of funds for the construction of a residential building.
Payment of the installment.

Obtaining a certificate

To apply for financial financial assistance from the state, young spouses need to contact the authorized bodies of local government.

If a family in need meets the requirements of the program participant, they are allocated a number in the waiting list. Upon receipt of the certificate, it must be implemented within nine months.

Documentation

To be eligible for payment, you need to prepare a simple package of documents:

copies of parents' passports
copies of the birth certificates of all children
copy of marriage certificate
documents officially confirming the fact that the authorized bodies have recognized the family as really in need of better housing conditions
certificates confirming direct or indirect income, which allows you to pay the missing part of the funds or arrange a mortgage
application for participation in the program

This is the main package of documents, some additional information is possible depending on the specific situation.

social mortgage

Large commercial banks, thanks to state support, offer young families to take advantage of special mortgage conditions.

This makes the loan product more accessible to different segments of the population, reduces the monthly financial burden and reduce the total amount of interest paid to the bank. The main advantages of social mortgage are:

payment of part of the interest by the state
at the birth of each child in the family, the principal and interest may be reduced if this is specified in the contract

The owners of this loan product can take advantage of all the opportunities when purchasing a home, as with a conventional mortgage:

receiving tax deduction when buying real estate
introduction maternity capital to repay principal or interest on a mortgage
if there is a special additional subsidy, it can be used as a down payment for buying a home

Not everyone has the opportunity to apply for a social mortgage.

To obtain it, you must submit certain documents and certificates to credit institution and get in line.

Benefits for large families

Large families can count on help

The government of the country is trying to provide great assistance to young families with three or more children.

For the education of future citizens of the Russian Federation, good living conditions and a favorable social environment are necessary.

To this end, the government issues laws that are aimed at maintaining a decent standard of living for large families.

They are supposed to:

preferential tariffs for housing and communal services
allocation of land for the construction of residential buildings or agriculture, including for commercial purposes
provision of medicines for children under 6 years of age
full or partial removal of obligations to pay land tax
exemption from public transport fares
free meals for children in preschool and school institutions
advantage in queues in nurseries and kindergartens
acquisition of a school uniform at the expense of the state
assistance in cultural development in the form of free admission to museums and exhibitions

Maternal (family capital)

A certificate confirming the right to receive and use maternity (family) capital has been issued to a mother, father or guardian at birth, as well as the adoption of a second child since 2007.

If the family did not use the right to issue a certificate earlier, then it can also be obtained after the birth of the third or subsequent children. Every year, the amount of financial assistance is indexed and grows.

Thousands of Russian families have already used the opportunity to receive this financial support states.

How can the certificate be used

You will not be able to cash out. The certificate can be used for certain purposes:

improvement of living conditions
payment for children's education
formation of funded maternal pension.

The first step in issuing a certificate will be to apply to the registry office. They will issue a birth certificate of the child, giving the right to receive financial assistance. Then you need to approach the Pension Fund of Russia along with pre-collected certificates and documents.

After the application is accepted, within 2 months payments are made for the specified purposes.

Package of documents

To obtain a certificate giving the right to a state payment, you need to contact the FIU at the address of residence or registration with certain documents:

statement
copy and original of passport
copies and originals of birth certificates of all children
SNILS of the applicant
a copy of the marriage certificate, in case of a change of surname

Additional state benefits

The government strives to provide the population with everything necessary. Helping young families is one of the priorities of the Russian Federation.

Every year, new projects and programs are developed and implemented to improve the living standards of the country's citizens. The following assistance is available to young cells of society:

dairy cuisine for children from 8 months to 2 years
free medicines for children under 3 years old
help for student parents
free travel for children under 7 years old
tax benefits
additional benefits and increased benefits for
poor families and single parents

In most regions of Russia, additional benefits and subsidies are also being introduced to provide assistance to the population.

Assistance programs for the population in 2015. Changes and innovations

The demographic policy of the country is aimed at raising the birth rate in the country and reducing mortality. Assistance to a young family from the state in 2015 is aimed at creating the necessary conditions for the birth of children, at improving the level and quality of life.

2015 was planned to be the final year for some of the government's major programs to support the young population. However, the main ones were extended for some time.

Subsidies for the purchase of housing

Today, the work of the program "Providing young families with affordable housing" continues. During the period of the program, it is planned to have time to provide the necessary housing for 172,000 Russian families, while spending 313.13 billion rubles.

Program funding sources

Federal budget - 28.18 billion rubles.
Regional budget - 65.76 billion rubles.
Savings and own or borrowed funds citizens - 219.19 billion rubles.

For those who entered the program in 2015, the following material assistance is provided:

A subsidy of 35% of the total value of the property for childless families. The total family budget should not be less than 21,621 thousand rubles, the approximate amount of the payment is 600 thousand rubles.
Subsidy of 40% of the total cost of housing for families with one or more children. The total family budget and the approximate amount of payments depends on the number of members of the needy family.

Changes

The main rules and conditions of the program have remained unchanged, but there are some innovations that appeared last year:

Buying a home on the secondary market is prohibited
removed the ability to repay the principal or interest on a mortgage loan

The changes do not affect those who entered the program before 2014.

According to the original plan, 2015 was planned to be the last year for the implementation of the popular program, but so far its closure is not expected. Presumably, the subsidy will be extended until 2020.

Significant changes in this project have not occurred and are not expected this year.

Maternity capital in 2015

Financial assistance was indexed in 2015, and was determined in the amount of 453,026.0 rubles. The state took measures to combat the difficult situation in the country, and citizens were able to allocate part of the money from the certificate in the amount of 20 thousand rubles for everyday needs.

To do this, you need to go to the FIU and write an application for the payment of funds. You can receive the money due no later than two months from the date of submission of all necessary certificates and documents.

Preferential lending programs

As before, several large banks, with the support of the state, are selling credit products with reduced interest rates needy young families. List of organizations in 2015:

VTB 24
Gazprombank
Sberbank.

prospects

Back in 2013, a new bill was prepared, called "On Additional Measures to Support Young Families", aimed at providing support to the population.

The information is on the official website of the State Duma. According to this document, spouses have the opportunity to receive:

interest-free loan for the purchase or construction of real estate, if the family has many children
special housing allowance from the state at the birth of each child
preferential mortgage rate
social assistance in the form of a certain payment for the purchase or construction of housing

But this bill is still under consideration, and the timing of its adoption is still unknown.

Future plans

New bills are issued by the government every year. Will the necessary funds be provided in 2016? Undoubtedly, the answer to the question is yes.

The demographic situation in Russia has not been completely resolved, although positive dynamics are already noticeable.

Housing programs

Such a project as "Providing young families with affordable housing" will work in 2016. On August 25 of this year, Dmitry Medvedev approved Decree No. 889, on the basis of which assistance will be provided for another five-year period.

The project showed high efficiency in solving a complex demographic issue. It is planned to provide support to another 235,000 young families until the end of the program. Target date 2020.

Maternity capital in 2016

The period of existence of the program was calculated for 2007-2016. Significant innovations and changes in the project are not expected. However, the question of extending the program is acute. There are various variations of the bill:

Eligibility for the subsidy will only be available to needy, low-income families.
Indexation will be canceled for the coming years, or it will decrease significantly.
The only direction for the implementation of the certificate will be the improvement of living conditions, since education services in Russia should be provided free of charge, and the third option for pension savings is not popular among citizens.
The use of maternity (family capital) will become available only for the purchase of housing in the primary market, shared or individual construction.

dairy kitchen

A big scandal erupted over the closure of the dairy kitchen in 2016. Young parents were not ready for such a sharp cessation of the work of distribution points baby food. Thousands of citizens' signatures were collected to overturn this decision.

The government went to meet the population and postponed the closure of the dairy kitchen until at least 2016.

No additional new projects are planned for 2016. In a crisis, it is difficult for the state to allocate funds from the budget for the implementation of support programs for young Russian families. However, the government promises to fulfill the existing obligations in full.

State policy of support for young families

of the Russian Federation is aimed at improving the quality of life and improving the demographic situation. To this end, special programs have been created that make it easier for spouses to realize their plans for the future.

Special benefits for families with many children and single parents make it possible to ensure the full development and education of children. The government seeks to provide gratuitous assistance to the population, thus showing concern for the future generation and the state of the country as a whole.

To help young families, you can watch the video:

Ask your question in the form below

Real estate in Moscow is the most expensive in the whole territory of Russia. Many young families registered in the city are in need of better living conditions. And not everyone can afford to buy their own housing, even taking into account Moscow salaries and on credit.

In most regions of Russia, there is a set of initiatives under the general title "Affordable housing for young families". A program to help family youth has also been introduced in Moscow. In the capital, it has been operating since 2003; it does not apply to residents of the Moscow region (the Moscow region has its own regional program).

The essence of the program "Young family"

The concept of the "Young Family" program

Since the beginning of 2020, state support for young families has been provided as part of a government project called "Providing affordable and comfortable housing and utilities for citizens of the Russian Federation." It focuses on easy mortgage lending and rental housing for borrowers. Program activities are calculated until the end of 2025.

The goals of the Young Family program are as follows:

Reducing the cost of housing so that any young family can not only buy a home, but also have the opportunity to constantly improve its quality - once every 15 years;
Activation of the construction market;
Providing citizens with higher quality public services;
Increasing labor productivity in the construction industry.

The amount of payments from the state to a young family with participation in the program "Young Family"

Young families that participate in the Young Family program can receive financial assistance from the state, which is intended for the construction or purchase of housing. The amount of this state aid is determined in each region, but its minimum amount is set by the federal authorities, which in the regions must take into account:

The average cost of residential real estate can be calculated using the formula:

The cost of 1 sq.m. (local regulation) *size of purchased housing

What can be spent on the received assistance from the state under the program "Young Family"

A young family can use the received financial assistance to:

Purchase of a residential property;

Conditions for participation in the Young Family in Moscow program

One of the main conditions for participation in the "Young Family" program is to stand in line as those in need of housing. To do this, you must submit an application to the housing department of the city.

The conditions for participation in the Young Family program are as follows:

Both spouses must be under 35 years of age;
Spouses must be officially married for at least one year;
One of the spouses must be registered in Moscow;
All family members must have Russian citizenship;
The family must have sufficient income to be able to pay the mortgage.
Duration of legal residence in Moscow for more than ten years;
Over the past five years, none of the members families did not commit actions that would worsen his living conditions;
The area attributable to each family member is less than 10 square meters, or less than 15 square meters if the living quarters were provided to different families in accordance with the decision of the authorized executive body.

Important!!! The presence of children is not considered a prerequisite for the Young Family program, but families with many children are eligible to receive assistance under this program out of turn.

Required documents for participation in the Young Family program in Moscow

In order to become a member of the "Young Family" program in Moscow, you must provide a certain package of documents, which consists of:

Application for participation in the Young Family program in two copies;
Original and photocopy of passports of all family members (if there are children under 14, then the original and photocopy of the child's birth certificate). A photocopy of the pages in the passport is required - this is a photograph, registration and information about children;
Marriage certificate for a complete family;
A document that confirms the poor condition of the dwelling;
A document confirming the sufficient solvency of the family, so that it would be possible to repay the mortgage loan taken. The total income of the spouses must be twice the cost of paying loan payments;
An extract from the house book, as well as a photocopy taken from the financial account, if any.

Where to contact potential participants of the Young Family program in Moscow

For your administrative district with the necessary package of documents. The list of addresses of divisions can be found on the website of the Administration of Moscow.

The priority for receiving housing from the fund, which is in the reserve of the city, is compiled depending on which category of citizens the applicants for assistance belong to.

When composing the queue, the following is taken into account:

The date from which the couple was recognized as needy.
Number of children, including whether the child has a disability.
Do any of the applicants have benefits that are taken into account additionally.
How many square meters per person at the time of registration.

Important! Married couples with three or more children will enjoy a special advantage. And also parents who have adopted twins or triplets are equated to them.

Validity of the program "Young Family" in Moscow

Government program"Young Family" in Moscow initially operated until 2015. At the moment, the authorities have decided to extend it until 2020. The extension of the duration of the program is justified by the fact that it is an effective way to improve the living conditions of the poor.

FAQ

Question No. 1 What amount of payment can a young family receive when participating in the Young Family program in Moscow, if the spouses have been married for 11 months and they have no children?

Answer: One of the conditions for participation in the Young Family program is marriage registration for at least one year. Therefore, a family that has been married for less than one year under the terms of this program cannot participate in it.

Question #2 If the spouses were under 35 years old at the time of application, and one of the spouses was already 35 years old at the time of application, then they can participate in this program or not?

Answer: Yes, a young family is eligible to participate in the Young Family program, as they applied when they were under 35 years old.

Question: For what purposes can a young family spend the state aid received when participating in the Young Family program in Moscow?

Answer: A young family can spend the received payment on:

Making a down payment when applying for a mortgage loan;
Purchase of a residential property;
Building your own house;
As a contribution to a housing construction cooperative.
If the mortgage loan was issued before January 01, 2011, then the received subsidy can be used to pay off the existing debt.

Question: Where should a young family apply to get on the waiting list under the Young Family program?

Answer: To apply, you must come to the Department of Housing Policy and Housing Fund of Moscow in your administrative district with the necessary package of documents.

Welcome to website. Most Russians are puzzled by the housing issue. The real possibility of buying a new apartment is to attract borrowed funds. But the conditions offered by banks may not suit every family, especially a young one.

Especially for citizens of preferential categories, banks, together with the government, have created a large number of different programs. As a result, families can apply for a loan for the purchase or construction of housing on favorable terms. But not everyone knows how to get help for a young family from the state and acquire the cherished square meters.

Who is considered a young family refers to a rhetorical question. Since some consider themselves young at 40, and for some, 30 years is becoming a mature age.

But at the legislative level this term defined unambiguously. A young family is considered to be a complete or incomplete family in which at least one child is brought up, and the parents are under the age of 35 years. These families also include single mothers who are raising children without a father.

After a demographic hole occurred in the 1990s, today there is an increase in the birth rate. Recently, a certain trend can be observed, as the number of older people significantly exceeds the number of young citizens. In other words, there will be more pensioners than young people for a long time to come.

But in order for the elderly part of the population to have someone to feed and protect, at the beginning of the 21st century, a program was created to help a young family, which provides assistance in acquiring residential properties.

What assistance does the state provide to a young family in 2020

Since the state is closely monitoring demographic situation in the country, certain subsidies were created for young families. A subsidy is a gratuitous state aid in the form of financial resources or material assets given to needy citizens.

Today, it is becoming more and more difficult to give birth and raise children, as the prices for the necessary products are rising, and there are layoffs at enterprises, but the high cost of apartments in cities has no small effect.

Most families prefer to live in big city, because in small settlements big problems with employment. And if there is no permanent income, then the family will not be able to pay for housing and communal services, food, clothes, kindergartens and schools. As a result, young people leave for the cities and only after that start families and give birth to children.

As a result, it turns out that the main problem of a young family is the lack of affordable living space. Someone lives in small rooms or in a hostel, someone rents apartments. But it still turns out that a family of three has to live on an area of 25 square meters. In accordance with social norms, this is not enough for a full living.

To solve this problem, the state has developed several special programs:

Allocation of a subsidy for the purchase of a residential property.
Maternity capital, which is issued at the birth or adoption of a second child.
State program "Housing".
State program "Improving the sustainability of residential buildings, basic facilities and life support systems in seismic regions of the Russian Federation from 2009 to 2018".

Each of these programs is aimed directly at improving the living conditions of families with children.

About the state program "Young Family"

Each young family that has recently been created, more than others, needs to purchase their own housing. Few people will be able to collect the required amount to purchase an apartment or a private house. Both at the federal level and at the regional level, this issue is subject to special attention. In accordance with regulatory and legislative acts, the preferences provided for the purchase or construction of housing depend on the region and its capabilities.

The most demanded is the program "Young family". The newlyweds were able to use the offers of this program for the first time back in 2011. After four years of the program, a decision was made to extend the program. At the moment, it is known that families will be able to use preferential mortgage on the terms that were accepted before, but subject to minor changes.

Assistance in purchasing housing for young families is also provided at the regional level. The only difference between such programs is the place of allocation of funds, they are allocated from regional budgets.

Depending on how the regional budget is filled, the conditions for the allocation of subsidies may change, as a result, new cells of society can save significantly. But you can only participate in the regional program or only in federal grants, simultaneous participation in several programs is not allowed.

Also, for their part, banks provide loans for the purchase of housing on special conditions. For example, Sberbank offers to take out a mortgage at only 8.6% per annum, and the loan repayment period can increase up to 30 years. Some lenders may offer Special offers together with developers, and the purchase of residential premises in a house under construction can take place at a significant discount. If state assistance to young families is added to such proposals, then the purchase of housing becomes more affordable.

In 2018, all programs regarding housing for young families underwent some changes. In accordance with the government decree, such programs as "Housing 2015-2020" and "Improving the sustainability of residential buildings, basic facilities and life support systems in the seismic regions of the Russian Federation from 2009 to 2018" will be terminated ahead of schedule. But instead of these programs, others were developed, which are also aimed at improving the living conditions of young families.

State program "Mortgage and rental housing".
State program "Ensuring the quality of housing and communal services."

These programs were combined into one "Providing affordable and comfortable housing and utilities for citizens of the Russian Federation." On January 1, 2018, this program began to be provided on special terms.

There are several main parameters that relate to the Young Family program - these are:

The program will run from 2018 to 2025.
The amount of funds allocated for the programs is 1.07 trillion rubles.
859 billion rubles will be allocated from the federal budget.

There are certain tasks that are assigned to this program:

Increase in construction volume from 2018 to 2025.
Lowering the average cost of one square meter for young families.
Improving the construction sector and the economy in the country.

Cities with special programs for young families

There is a specific list of cities that provide assistance to a young family from the state in 2018:

Moscow and Moscow region.
St. Petersburg and Leningrad region.
Voronezh.
Kazan.
Nizhny Novgorod.
Krasnoyarsk.
Ekaterinburg.
Ulyanovsk.
Astrakhan.
Arkhangelsk.
Bryansk.
Volgograd.
Krasnodar.
Novosibirsk.
Orenburg.
Samara.
Tyumen.
Chelyabinsk.

The amount of mortgage assistance from the state

The assistance provided to large families to pay off their mortgage debt to the bank is not able to cover all the costs that are directed to the purchase of living space. The size of the subsidy is influenced by several important factors that are directly related to the family itself and the number of children brought up in it. In accordance with the rules, which have been extended until the end of 2021, the state provides the following amounts of subsidies:

If there are no children in the family, the subsidy is 30% of the cost of housing.
If there is one child in the family, the subsidy is 35% of the cost of housing.
If there are two children in the family, the subsidy is 35% of the cost of housing.
If the family has three or more children, the subsidy is 35% of the cost of housing.

To determine the exact maximum amount, it is necessary to take into account the footage, which is necessary in each individual case. There is no single approach in this case, since the regional authorities determine these norms independently. That is, in Moscow this figure is 10 square meters per person, and in Omsk and Tyumen it is 15 square meters. But it is worth knowing that even in one region, this value may differ by settlements.

To understand the counting system, you can look at one example. Two spouses who have one child are eligible for a subsidy of 35% of the total cost of housing. In the city in which they live, the norm for square meters is set at 15 square meters per person. As a result, they can buy an apartment of 45 square meters. The average cost of one square meter is 30,000 rubles. To purchase their own apartment, they will need to spend 1,350,000 rubles, of which 35% is subsidized by the state, that is, state aid will be sent from the budget to young families in the amount of 472,500 rubles.

About the work of the social program to help young families

State assistance to a young family in purchasing housing in 2020 is a special series of events that enable citizens who have recently entered into an official marriage to resolve the issue of buying an apartment or building their own house. Mortgages, which are provided to young families in 2020, support citizens who are officially recognized as in need of improved housing conditions in accordance with the housing code, as well as the conditions of the program itself. These citizens include:

Families who have their own living space, but its size is less than the norm established by law in a particular region.
Families that are on the waiting list do not have their own housing and live in a rented apartment.
Families who do not have enough of their own savings to buy an apartment.
The family lives together with a person who is recognized as seriously ill.
The family lives in housing that is recognized as emergency or dilapidated at the legislative level.

Citizens who are only planning to purchase real estate, as well as those who have issued a mortgage loan and meet the conditions of the program, can count on help. Then they have the right to use the subsidy in relation to the repayment of the mortgage debt or to pay off the interest on the loan with its help.

In accordance with the rules for granting a subsidy, the amount of payment is set at the time of the formation of the lists of those in need and does not change during the entire time.

Confirmation of the right to receive payment is confirmed by a personal certificate, which does not apply to securities. The validity of this document is limited and is 7 months from the date of receipt of it in hand, that is, the date indicated in it. The federal mortgage lending program is implemented by a special agency that works with housing mortgage lending; they exist in all regions of the country.

At the regional level, this assistance is provided by the administration, it is she who keeps records of the lists of families in need and controls the process of fulfilling all the conditions of the program.

Social mortgage is aimed at helping to improve living conditions. A young family has the right to purchase an already finished object or to build a new house. Program participants also have the right to additional use of maternity capital, and if their own funds are not enough, then to attract mortgage loans.

It will not be possible to use the received subsidy to pay off fines or commissions that appeared at the time of non-fulfillment of the loan terms of the agreement. A family can only participate in the program once in a lifetime.

The main goal of this program is to provide state support in the acquisition of housing to families with and without children. But at the same time, the state is trying to solve other quite important issues - these are:

Increase the birth rate, since a large number of families do not have children precisely because of problems with housing.
Attract specialists to those industries where earnings are not high.

In accordance with the conditions, the main tasks set for 2020 are:

Providing support to families in need to purchase economy-class housing or build houses with similar characteristics on their own.
Creating the necessary conditions for families to attract independent funds or mortgage loans for the construction or purchase of their own residential premises.

To take part in the program or not, the spouses decide on their own, since it is provided on a voluntary basis. In accordance with the participation rules, the budget is formed from several sources:

Funds from the federal and local budgets.
funds provided by credit institutions.
Family's own savings.

In accordance with the plans of the government of the country, about 340 billion rubles will be allocated from the federal budget for the implementation of this program from 2015 to 2021. This amount will help solve the problems with the living space of more than 150,000 families who are registered as needy. This amount consists of the following financial allocations:

The federal treasury allocates 35.85 billion rubles.
Regional budgets allocate 84.2 billion rubles.
The family's own funds or attracted mortgage loans amount to 219.79 billion rubles.

You can use financial assistance for young families in 2020 in the following areas:

Buying an isolated economy class apartment.
Building your own house under a contract.
Mortgage down payment.
Making the last payment of the housing cooperative, after which the acquired property becomes the property of the spouses, this must confirm the certificate of ownership.
Payment of interest on a loan or repayment of a mortgage debt that was previously issued for the purchase of housing.

Unfortunately, not all interested families can take part in this program. New family should be listed as in need of housing. There are also restrictions on the age of applicants. The age of each of the spouses, or the person who independently raises the child, cannot be more than 35 years old. If one of the spouses has already passed this milestone at the age of 35, then the family will not be able to take part in this program.

There are also a number of additional requirements, which are influenced by the following factors:

If there are no children in the family, then they must both be citizens of Russia.
If the family has one or more children, then one of the spouses has the right to have the citizenship of another state.
If a parent is raising a child alone, then he must also have Russian citizenship.

Mortgage assistance is provided to young families for the purchase or construction of their own housing, if the family meets certain conditions:

Availability of living space. If the spouses do not have their own housing, or the available living space does not meet the standards established by law, then the family is eligible to apply for participation in the program.
Own savings. To receive a certificate for a subsidy, the family must have their own savings to pay off the remaining debt when buying an apartment. If these funds are not available, then the family has the right to attract credit funds, but if they have sufficient income to make monthly payments on the loan.
Spouses age. According to the rules, the family is eligible to participate in the program if each of the spouses is under 35 years of age on the date of the decision to enroll as a needy family. If the spouses are older, then they cannot participate in the program, but they have the right to purchase housing at their own expense or with the help of a mortgage loan, since the requirements for age are much softer.
Registration in the program. A mortgage loan is issued to those citizens who have been officially recognized as a family that needs to improve their living conditions. In accordance with the rules, there are norms that depend on the number of family members, that is, for single parents with a child or families with no children - 42 square meters, and if there are three or more people in the family, then the area of \u200b\u200bthe apartment should be 18 square meters meters per person, regardless of gender and age of each family member.

Stages of obtaining a mortgage in a bank for a young family

Not every family has the opportunity to collect the amount necessary to buy a home or build. That is why families begin to look for additional sources of borrowing. But the family can apply for a mortgage loan in a commercial bank. In accordance with the information posted on the official websites of banks, the borrower must meet the following conditions:

The presence of permanent registration in the region in which the loan will be issued. Receiving a subsidy and registration of a mortgage is carried out only at the place of permanent registration. If a family with children has a temporary registration in another region, then they will not be able to use this opportunity.
Official employment. For banking organizations, it is of particular importance that the borrower has a permanent place of work, and the work experience in the last place must be at least 6 months. This ensures that the person is no longer on probation and has a permanent job.
Certain monthly income. In accordance with the requirement of the bank, no more than 50% of the total family income should be used to pay off the mortgage debt. Otherwise, there may be a risk of debt formation.

You also need to know how to get a mortgage for a young family. This requires going through several steps:

Find a bank that, together with the state, provides loans for the purchase of real estate to a young family.
Contact the selected bank and get expert advice on the necessary documents for obtaining a mortgage loan.
Collect a package of required documents and certificates.
Write an application for a loan by providing a package of documents.
Wait for the decision of the bank to allocate funds for the purchase of housing.
If the answer is yes, then sign loan agreement, arrange insurance and an agreement on the transfer of housing as collateral to the bank at the time of loan repayment.

How to start participating in the Young Family Program

There is a certain scheme for participation in this program in 2020:

The family needs to visit the housing department in the administration with the collected package of documents.
The administration recognizes the family as needing housing, puts it on the list of those in need of housing and assigns a registration date.
When the queue starts to come up, you need to find suitable housing and conclude a purchase agreement.
Within the next 60 days, funds from the budget will be transferred to the seller's account, and the family will receive a certificate of ownership from Rosreestr.

If the cost of the purchased housing is higher than the subsidy issued, then the family will need to pay the difference on their own.

If 12 months have passed since registration, the family will need to confirm their desire to continue participating in the program, and for this the necessary package of documents is collected again.

If the family does not have any difficulties with obtaining a mortgage loan, then in order to participate in the program for providing housing for young families, you will need to adhere to a certain algorithm.

Applying for participation. In order for a family to be put on the waiting list as in need of better housing conditions, you will need to submit an application to the local government. The application will be considered within 10 days, after which the applicant will receive a response about the decision.
List approval. Mortgage will be issued if the application was submitted before September 1, 2018. Some regions may set their own deadlines. After the approval of funding according to the approved lists, the program participants are notified about the receipt of the subsidy. Families with many children and families registered before March 1, 2005 are entitled to an extraordinary grant.
Registration of the state grant. After the family receives a certificate, it must be taken to the bank where the loan will be issued. This is given 30 days. The bank opens a special account to which the subsidy will be transferred. The account number, along with other documents, must be submitted to the authorities within 6 days local government. After that, within 5 days, specialists consider the application and transfer money to an open bank account. Within 5 working days, the lender must send them to repay the debt on the loan or to the account of the seller.

Documents to confirm that the family needs to improve their living conditions

To get help for a young family to build a house or buy an apartment, you need to collect a voluminous package of documents, these include:

Originals and photocopies of spouses' passports and birth certificates of children, if any.
Certificate of change of surname, name and patronymic, if this event occurred.
Certificate of marriage or divorce.
An extract from the house book or an apartment card issued by the passport office.
If the family lives in a private house, then you must bring a technical passport for the building.
If the family lives with a person who is recognized as seriously ill, then a medical certificate of this fact must be brought.
If the family lives in an apartment, then you need to bring a technical passport to the apartment.
Certificate from the BTI that the family does not have or owns Residential Properties issued for each member of the family.
A document confirming the basis on which the family lives in this room is a contract of employment, an extract from the USRN or any other document.
Application for registration as a family in need of housing.

This package of documents must be submitted to the housing department in the regional administration, only after that the family will be recognized as needy and put in a queue.

After the turn of the family comes up and funds are allocated from the budget, you will need to collect another package of documents:

Passport.
Birth certificate for all children.
Marriage or divorce certificate.
Extract from the house book.
Certificate of conformity of square meters per person.
Certificates of no debt for housing and communal services.
If yes, then a contract of social employment.
If yes, proof of ownership.
Order on the recognition of a family in need of better housing conditions.
Employment books all family members, certified by the personnel department.
Certificate of income for 12 months in the form of 2-NDFL.
Certificate from the employment service, if receiving benefits.
Bank statement about maximum amount loan.
A photocopy of a bank account with a bank seal, if the family has its own funds to buy a home.
Certificate from the BTI on the presence or absence of residential real estate in the family property.
Certificate of assessment of real estate and transport property of the family.
An incomplete family provides a notarized statement confirming that the family is not married.

The submission of documents is made in order to confirm the solvency of the family, if it decides to purchase real estate worth more than the subsidy issued.