Conditions of the housing program. Social programs for the purchase of housing

The Housing program was developed back in 2002, and it is still considered relevant and frequently used.

It is regularly updated and changed. government bodies enabling citizens to improve their living conditions.

This program was developed at the federal level, and is also targeted.

The federal designation indicates that every city in the country is implementing the opportunities provided by this program.

Main purpose its aim is to improve the lives of families who have certain housing difficulties. Since such difficulties usually occur in young people, the main condition is the appropriate age of applicants.

She has some subroutines, each of which has its own characteristics, purpose and rules of provision. Before applying for a subsidy, it is recommended that citizens carefully study all the nuances of state support in order to prepare the necessary documentation in advance and perform other actions.

What regulations govern?

The program is approved by Government Decree No. 1050.

It is this document that contains information about all the conditions under which assistance is provided to citizens to improve their lives.

In him there is information about:

• the measures taken;
• sources of obtaining funds to finance the project;
• describes all categories of citizens who can count on different types subsidies.

Decree No. 889 was issued in 2015, indicating that the program is being extended through 2020.

The essence and purpose of state aid

The essence of this program is to create optimal conditions and provide support to socially vulnerable categories of the population, which will enable them to improve their living conditions. It is appointed only for young families.

The implementation of the "Housing" program pursues several important goals:

When examining the conditions of this program, one can understand that not everyone can take advantage of it, since basic requirements must be met, therefore only young families and families in need of housing can receive a subsidy.

There are square restrictions., so if it claims to residential real estate a single citizen, then it will not exceed 33 sq. m., but for a young family without children, the maximum area is 42 sq. m.

Action of the program "Housing" applies to absolutely all cities of Russia, so there will be no exceptions on a territorial basis.

Each person considering the possibility of using this opportunity must consider what he can get from the state.

To main proposals applies to:

• some part of the cost of real estate will be paid at the expense of the state;
• the rest will be provided on credit, and it is offered on preferential terms, so the rate will not be higher than 12%, but life insurance for borrowers is certainly required.

Due public funds up to 35% of the cost of housing is covered, but given percentage can decrease, and each situation is considered separately. This indicator is affected by which category of citizens the applicants belong to, as well as what starting conditions they have.

Member of the program "Housing" must necessarily prove that he is a solvent person and will be able to cope with mortgage payments, since the entire cost of an apartment or house will not be paid for him.

The family is allowed to use for.

Particularly much attention in such support from the state is paid to privileged categories of the population.

Priority citizens under the age of 35, and who are:

• police officers;
• military personnel;
• prosecutors;
• scientists;
• rescuers;
• liquidators of the consequences of the Chernobyl accident.

This list can be expanded only by the decision of the President.

subroutines

During the implementation of this program, it is expected that certain routines. These include:

The implementation of these subprograms is important for each region of the country, therefore "Housing" is a federal program used in all cities of Russia.

The activities of the main program are significantly increased by the above sub-programs, and the coverage of really a large number young Russians. The work of many companies engaged in construction is activated residential buildings. Demand for apartments and houses is on the rise, as buyers are able to use public funds to partially pay for them.

Which categories of the population can participate

Almost all citizens want to receive support from the state, so they are interested in the opportunity to participate in various unusual events. But not everyone can get such help, as there are certain restrictions.

Participate in the Housing Program Only citizens belonging to the categories can:

Thus, only the above categories of the population have the opportunity to become participants in the Housing program. But, of course, they must have difficulties with the conditions of life, which must be proven in various ways. They must be registered with the state authorities.

Terms

Not only is a potential participant in the program considered to be in the desired population, but also whether they meet numerous other conditions. It is advisable to learn about them directly from the regional authorities.

Basic requirements for all citizens included in the relevant categories are:

Thus, in order to receive government support through the Housing program, numerous requirements must be met.

Even single-parent families can receive a significant subsidy from the state for the purchase of housing, if they qualify.

What documents are required

To participate in the "Housing" program, it is required to prepare a complete package of documents.

They are transferred to the local government, and the authorities of different regions can change the list of documentation.

Required as standard the documents:

• passport of the applicant and all members of his family;
• certificate of marriage or divorce;
• a certificate that will have to be obtained at the place of earnings, indicating the amount of income of a citizen;
• confirmation of the availability of funds in the bank account, which will be sufficient to deposit down payment;
• certificate confirming that people need to improve their living conditions.

All documents are transferred to the local administration, but employees of this institution may require some other papers.

The procedure for providing state support

To receive a subsidy from the state under this program, successive actions:

Citizen receives a special certificate, which can only be used through a bank, and its duration is 2 months , therefore, it is urgent to find a suitable property and carry out its purchase.

Thus, the program "Housing" is considered effective and significant for the state, as it implements many important subprograms. It enables people to purchase housing on preferential terms with partial repayment of the cost of real estate at the expense of public funds. To do this, citizens must meet certain requirements and be solvent.

About the rules for providing state aid citizens of Russia in improving their living conditions, see the following video:

Many of our readers know that you can buy real estate not only with your own money - today in our country there are special subsidy projects and a number of government programs. Using state-provided cash, you can significantly improve your living conditions.

Subsidies and government programs for the purchase of housing- the topic of our today's material. Who can count on subsidies when buying an apartment? What programs are currently in place to help young families, military personnel and low-income categories? We will discuss this in detail below.

First, let's define the concepts of "subsidy" and "state program".

Subsidies

By "subsidy" is meant some sum of money, which the state allocates without the need to return to improve housing conditions. At the same time, only certain categories of citizens have the right to receive a subsidy. The possibility of obtaining a subsidy, as well as its size, directly depends on compliance with certain conditions. The housing subsidy is issued in accordance with the priority only to citizens assigned to two categories: those in need of qualitative improvement living conditions or requiring state assistance in acquiring their own housing. It must be understood that a housing subsidy can be used to purchase both an apartment in a new building and real estate on the secondary market.

State programs

State programs differ from subsidies primarily in that they have restrictions on the duration of their validity, while they can have a priority or apply to all citizens without any priority. If a housing subsidy is purely material gratuitous help, then state support for state housing programs can be expressed not only in money equivalent, but, for example, in the form of providing certain preferential conditions when obtaining a loan for housing.

We offer you to get acquainted with the most common cash programs for the purchase of real estate.

Maternal capital

One of the most significant forms of support for families with children, aimed at stimulating an increase in the birth rate, is maternity capital. When the second and next child in the family appears (it doesn’t matter if he is born or adopted), the family receives the right to maternity capital. It should be noted that the state supports only responsible motherhood, i. state support measures are not provided to those mothers who are deprived of parental rights. One of the main conditions for obtaining maternity capital is the presence of Russian citizenship: the mother and children must be citizens of the Russian Federation.

Another condition for receiving state assistance is the appearance of a child in a certain time period - starting from 01/01/2007.

The amount of money issued as maternity capital has been constantly increasing since its introduction into practice. If in 2007 (the beginning of the program) the maternity capital was 250 thousand rubles, then in the current 2018 year, its size increased to 453,026 rubles, due to inflation indicators.

The state very strictly determines the possible purposes for which funds can be directed maternal certificate: housing, education, pension savings mothers, this money can also be used today for the treatment and rehabilitation of a disabled child. In the vast majority of cases, as practice shows, a family's maternity capital certificate is used when purchasing housing or improving housing conditions - for buying an apartment, building a private house, as a down payment when equity participation building a house or paying off a mortgage.

Who receives maternity capital today? For such state support they have a right:

1. women who have given birth (adopted) a second child since 01/01/2007;
2. women who have given birth (adopted) a third child or subsequent children since 01/01/2007, if they have not previously used the right to receive maternity capital;
3. men who are the sole adopters of the second, third child or subsequent children, if the court decision on adoption has entered into force since 01/01/2007.

It is possible to receive maternity capital only ONCE, while payments are exempt from income tax.

State program "Young family"

"Young Family" is a program of real financial support for young families to acquire housing. The funds allocated under this state program can be used in different ways: spend them on buying an apartment, spend on building your own house, or make them as a down payment on a loan or housing cooperative.

Who has the right to count on subsidies allocated under the Young Family program? Today, families that meet the following conditions can take advantage of the program:

• the age of the spouses or one of them (with an incomplete family) at the time of receiving assistance cannot be more than 35 years;
• citizenship of the Russian Federation plus official registration of relations for a period of at least 12 months;
• the family must have the status of needing better housing conditions;
• the couple needs to show fixed income, sufficient for monthly loan payments, as well as to have accumulated funds in order to be able to pay for that part of the cost of the apartment that is not covered by the subsidy.
• the absence of spouses in the property of other housing.

It is important to understand that in different regions of Russia the conditions for participation in the program may differ significantly. At the same time, the advantage is that not only couples with children, but also childless families can count on government assistance under this program.

military mortgage

There is a specially developed targeted program for military personnel of the Armed Forces of the Russian Federation, which allows them to receive mortgage co preferential terms. The mechanism of the program provides for the use of a savings-mortgage system that allows employees under the contract to become owners of their housing through certain time services.

Four categories of military can take advantage of military mortgages:

First- officers of the Armed Forces who signed their first contract no earlier than 01.01.2005.

Second- midshipmen and warrant officers, whose duration of service from 01.01.2005 under the contract is at least 3 years.

Third- soldiers, sailors, foremen and sergeants, whose 2nd contract was concluded not earlier than 01/01/2005.

Fourth– graduates of universities after 01.01.2005, graduates who signed their first contract before 01.01. 2005

How does this program work? Funds will be transferred to the participant's personal savings account on a monthly basis. You can later spend this accumulated amount on the first installment when buying an apartment - after three years participation in the program.

To take advantage of the program military mortgage”, we recommend that you get a detailed detailed consultation from a specialist.

So, we figured out what are the most common subsidies and government programs for the purchase of housing. As you can see, today there is an opportunity, with the help of the state, to both improve your living conditions and become the owner of a new home with maximum benefit. We hope this information will be useful to you and will allow you to find the most suitable option for yourself.

A young family is considered:

• a family with children in which both spouses (in the case of an incomplete family - mother or father) are not older than 35 years (inclusive);
• a family without children, in which both spouses are not older than 35 years (inclusive) and have been married for at least one year.

In Moscow, you can participate in the housing improvement program if:

• all family members are citizens of Russia;
• at least one of the spouses has been registered at the place of residence in Moscow for more than 10 years and entered the housing register before March 1, 2005 (that is, on the register of those in need of improved housing conditions).

2. What way of improving living conditions can a young family count on?

Young families under the Affordable Housing for Young Families program, like other families registered before March 1, 2005, can count on - the purchase of housing owned by Moscow A home loan can be taken from any bank that has approved a mortgage.

3. But what is the peculiarity of the social mortgage for young families?

For families having at the time of the conclusion of the contract of sale, including with the use of borrowed (credit) funds, three or more minor children or a disabled child, 30% of the redemption value of the residential premises purchased from the city, determined at the time of conclusion, is written off. purchase and sale agreements.

For families in which, during the period of validity of the contract of sale with installment payment, a third child or subsequent children were born (adopted), or one of the children was recognized as disabled, a one-time write-off of 30% of the redemption value of the purchase price specified in the contract of sale residential city. In this case, the amount of write-off cannot exceed the balance of the unpaid cost of housing.

4. And how is the queue of young families formed?

The queue is formed in accordance with the following priorities:

• date of registration for housing;
• the number of children in a young family or the presence of a disabled child in a young family;
• the availability of housing benefits or the possibility of solving housing issues of citizens living together with a young family, with their removal from the register of those in need;
• amount square meters occupied total area per person in a young family.

Families with twins, triplets, and so on, or if there are three or more children in the family, have the preferential right.

5. And what will happen to those who are on the housing register together with a member of a young family?

It all depends on the size of the living space where those who are registered with a member of a young family will live. If each of them, after the resettlement of one of the spouses of a young family, accounts for 18 or more square meters (the norm for providing housing), then they will be removed from housing accounting. If less, then they will remain registered without losing a place in the queue, but a member of a young family who is with them will be excluded from the registration file.

6. What size apartment can a young family buy?

Overall size the living space you have after the improvement of living conditions should not be less than the provision rate - 18 square meters for each person indicated in the registration file. The provision rate may be more, but cannot exceed the following values:

• per person - 40 square meters (if the living space is one room or one-room apartment);
• for a family consisting of spouses, studio apartment area up to 44 square meters;
• for a family consisting of 2 people who are not spouses - a two-room apartment with an area of ​​​​up to 54 square meters;
• for a family of 3, which includes spouses - a two-room apartment with an area of ​​​​up to 62 square meters;
• for a family of 3, which does not include spouses - a three-room apartment with an area of ​​up to 74 square meters;
• for a family of four or 5 people - a living space of 18 square meters per family member (the resulting size of the living space can be increased by no more than nine square meters);
• for a family of 6 or more people - living quarters (living quarters) with an area of ​​18 square meters per family member (the resulting size of the living quarters (living quarters) can be increased by no more than nine square meters).

At the end of the 1990s and the beginning of the 2000s, a situation developed in Russia in which the insignificant dynamics of the growth in living standards corresponded to a sharp jump in real estate prices. A similar effect was made up of high demand, wide attraction of public funds, growth mortgage market and exchange rate instability national currency. Terms market economy also limited government intervention in privacy, including by providing housing according to the needs of citizens.

Based on these prerequisites, there was a growing need in the country to develop a targeted program aimed at improving the quality of life of the population in apartment buildings. The first such initiative is the "Housing" program, calculated up to 2020, which will allow families who are already preoccupied with housing problems, get their own apartment. postulates that a set of measures will affect privileged categories of citizens within the framework of subprograms. Four additions to the main initiative are designed to solve not only the problem of housing, but also to improve the condition of the already existing communal fund.

It is important to understand that the article describes the most basic situations and does not take into account a number of technical issues. Get legal advice to solve your specific problem. housing issues hotlines:

The need to extend the program was caused by insufficient coverage of the population. One of the initiatives within the framework of this package of measures is aimed at young families, regularly replenished as a result of a parallel project to support maternity capital. In 2011-2014 the organizational and legal foundations of the program were laid, allowing in the future to focus on the distribution of funds.

Main provisions of the program

The goals and objectives are defined in the second section of the program and were originally introduced within the framework, which established measures for the provision of inexpensive and comfortable housing to citizens. Among the objectives, particular attention should be paid to the following:

• Development existing market offers of economy class housing designed for people with low and medium incomes.
• Execution federal laws in which the social role of the state in relation to the inhabitants of Russia (disabled people, veterans) is fixed. The provision of housing is also part of the country's youth policy.

The achievement of these goals will be built within the framework of the following medium-term goals:

1. Creation of a socio-economic and investment situation that promotes the growth of interest of citizens and contractors in the construction of cheap housing.
2. Providing all segments of the population with comfortable housing.
3. Solving current housing problems for the poor and vulnerable.
4. Organization social structure aimed at supporting young families with targeted cash transfers.
5. Creation of infrastructure conducive to the development of the sector housing construction(gasification, road construction).

Housing program for 2015-2020, according to , includes several groups of expenses:

• 350 billion rubles will be used to pay for housing for young families who have already had children;
• 300 billion transferred to preferential categories citizens;
• 4.5 billion will be directed to partial repayment of citizens who purchased housing on a foreign currency mortgage;
• 30 billion will be spent on the formation of infrastructure and the development of the housing construction market.

Funds for these needs are withdrawn from the federal budget - it is planned to spend annually in the district 120 billion rubles. An insignificant part of the funds is transferred from the regional and municipal treasury.

The greatest responsibility for the implementation of the law lies with the Ministry of Construction, which is also in charge of housing and communal services. According to plan, by 2020 The target indicator for the provision of living quarters should be 235 thousand families. This value includes data for all installed routines.

Subprograms "Housing"

According to the passport FTP "Housing", the following routines are installed:

1. Support for preferential categories.
2. Promotion of housing construction.
3. Modernization of existing buildings.
4. Provision of housing for certain groups of persons.

Housing for young families

The implementation of the program is aimed at paying part of the costs to young families who already have a child. The initiative allows the participation of persons under the age of 35 years. The introduction of support measures is connected with the position of banks requiring the payment of a down payment. The state assumes these costs, actually paying for part of the property of family members. Payments are also provided for single mothers and families with children in an increased amount.

Housing for persons whose provision of housing is established by federal laws

This subprogram is aimed at providing housing for people who are leaving the military and paramilitary structures, moving from the regions of the Far North. Previously, the document provided for the provision of apartments to Baikonur employees, by 2016 this category is already fully provided with real estate under the program.

Realization of the right to housing is carried out within the framework of the provided certificate, which can be spent on obtaining premises in the primary market. State structures provide methodological support, which can also consist in carrying out the whole range of actions to find and buy an apartment.

Stimulation of the sphere of housing construction

The subprogram implements a set of measures to support potential developers who are building or planning to operate in the economy class housing market. The state is involved in infrastructure projects (for example, for the development of new microdistricts), fully providing for the social needs of future residents. In these territories, the necessary institutions are being formed as a matter of priority, formed as part of a partnership between the government and the private sector. The subprogram also provides for material and legislative assistance to regions that carry out such actions at the level of the subject.

Provision of housing for special categories

The main direction in this subprogram is the implementation of the rights of citizens living in unsuitable housing (dilapidated or emergency). The target categories also include employees of high-tech industries, emergency services, the prosecutor's office and the Investigative Committee.

Infrastructure Modernization

Due to the exhaustion of the strength of communications in some vulnerable parts housing stock, the state contributes funds in favor of utilities that carry out their repair, renovation and rebuilding. At the same time, the obsolescence of infrastructure leads to regular failures that deprive citizens of vital services.

A significant role in the subprogram is given to ensuring efficient nature management. The environmental component of the project should help reduce emissions of harmful substances into the atmosphere and less water pollution.

Sizes of social payments under the program "Housing"

Social payments, which are established federal program "Housing" 2015-2020, depend on the participation of the applicants in the measures and projects envisaged, which in turn varies by the applicable category. The transfer of funds is strictly targeted - each approved participant is issued a certificate that can be spent on repaying the full amount or part of the cost of the home.

In particular, young families receive 30-35% from the cost of the purchased premises. The rest can be repaid with a loan or own funds. The payment varies depending on the number of family members - minimum amount provided to a man and a woman without a child (within 800 thousand rubles), and the maximum - for a large family of 6 people ( 2.2 million rubles).

Terms of participation in the program

Not taking into account the specific conditions indicated in the subprograms, a citizen must comply with the principle of need for housing, which is enshrined in:

• Citizens live in an apartment with an insufficient area that does not correspond to the size laid down for them by social norms.
• Persons are not tenants of housing, do not have their own premises, living in an apartment, under a private agreement.
• The premises where citizens live do not meet safety requirements.
• One of the residents suffers from a serious mental or infectious disease that makes living with him dangerous for all other citizens. However, individuals may not meet all of the above criteria.

When applying for assistance to the state, it should be borne in mind that the calculation takes into account the addition of the area of ​​\u200b\u200bthe entire property owned by the applicants.

Separate subprograms impose additional restrictions, for example, a couple in which spouses over 35 years old. An important criterion for subprograms where it is possible to use credit funds is the ability of persons to pay the loan, that is, the possession of a stable and sufficient income.

How to become a member of the program?

In order to become a member, you must:

• Gather the necessary supporting documents. The list should indicate the composition of the family and compliance with the conditions of the program.
• Documents are submitted to the municipality where future participants live. After initial appointment and consideration, information is sent to the regional office of the Ministry of Construction.
• If approved, participants must choose the premises and form of acquisition. For example, young families can choose housing from a pool included by the social credit agency in the Housing program.
• Citizens apply to the bank or provide to AHML own funds(in the presence of). If housing is provided under a certificate, you should immediately contact the representative of the seller.
• The apartment is issued by a developer cooperating with the state as part of a targeted partnership.
• Housing is registered in the property in Rosreestr. If involved borrowed funds, the encumbrance is also fixed.

It should be noted that there is a queue for the provision of premises. Citizens living in dangerous conditions and who are registered have the right to priority provision of property. until March 1, 2005.

List of required documents

Documents for participation in the program "Housing":

• Application for admission to state registration. View and download here: .
• Bank account information.
• Extract from the house book.
• Certificate from the HOA about the real area for each resident.
• Certificate from the organization that collects payments for utilities, about the absence of debt.
• Documents confirming the legality of residence in the current premises (purchase and sale, social hiring).
• Certificates of the status of citizens (marriage, birth of children).
• Information about work, including earnings (certificate of income, 2-personal income tax) and place of employment (work book).
• The passport.
• Documents evidencing registration under other housing programs.

Documents are provided personally. Regardless of acceptance or refusal, citizens are sent a mail notification of the decision.

The most popular questions and answers to them on the social program "Housing"

Question: Hello, my name is Michael. Our family was affected by the Chernobyl accident. In 1987, we were given documents for resettlement from the contaminated zone. On the this moment we are citizens of Russia and we want to know if we can participate in the Housing program in this status?

Answer: Good afternoon, Michael. This category citizens are on the list of persons eligible to participate in the program. In particular, paragraph "e" of Resolution No. 1050 allows your family to participate. You should also pay attention to, which establishes that the victims of the Chernobyl accident can participate in all housing programs in Russia.

An example of the social program "Housing"

A young family joined the queue for participation in one of the subprograms in 2010. Difficulties arose during the payment of a loan provided by AHML as part of measures to provide for married couples, and citizens decided to refinance in another bank. The administration said that such actions could lead to their exclusion from the program.

According to Government Decree No. 1050, the municipality is not a controlling organization within the framework of the program and cannot give such clarifications. Citizens applied to the subdivision of the Ministry of Regional Development, which explained to them that the certificate is issued regardless of changes in the terms of the contract, if they do not violate the procedure for mortgage payments (for example, monthly payment above income). The change of the creditor bank is not in the list of reasons for withdrawal from the program.