The program is a young family in the countryside. State assistance for young families

Package of documents

An approximate list of papers required for inclusion in the list of program participants is as follows:

• the corresponding application - on a special form;
• documents proving the identity of all members of a young family - passports, children's certificates (copies are to be submitted, but the originals should be taken with you);
• marriage certificate, if a complete family wishes to become a participant in the program (a copy is to be submitted);
• a certificate from the social security authority that applicants for participation in the project are recognized as needing housing;
• family income certificates (2-personal income tax, extracts from bank account, etc.);
• bank details - for transferring the amount of money.

If with the help of the state cash payment the family is going to pay off part of the mortgage loan, then additionally provided:

• loan agreement with the bank;
• certificate of the amount (balance) of the debt outstanding by the debtor;
• extract from the Register - on registration of ownership of mortgage real estate.

This list of required documents is established by Government Decree No. 1050 dated 12/17/2010. However, it cannot be called exhaustive, since on the ground in required package often include other documentation as well. Additional documents may include:

• serviceman's ticket;
• work books of able-bodied family members;
• (form-9);
• (if the family is going and involve him to solve housing issue) etc.

The application and documents are submitted to the local administration or multifunctional center. The validity of the demand and the authenticity of the papers transferred by citizens are checked by officials within 10 days, after which they decide:

• or about the inclusion of the family in the program;
• or to refuse it.

Applicants shall be informed in writing of any of these options. The refusal of the administration to include them in the program must be motivated and explained. Notification is sent to the submitter of documents in within 5 days after a positive or negative decision has been made on him.

Detailed conditions of the program of assistance to young families are developed at the level of regional legislation. Despite the fact that this project was developed at the federal level, the constituent entities of the Russian Federation co-finance the housing payments provided to citizens.

Their task is to comply with the minimum standards set by the central government. For the rest, they proceed from the possibilities of the local budget, as well as their own understanding on what conditions and in what order it is possible to obtain a state budget. In particular, they have the right to correct:

• the amount of the payment;
• list of documents provided by applicants for participation in the program;
• categories of persons eligible for housing subsidies;
• minimum income for program participants.

Not all Russian regions are involved in the project. And those who have joined it have taken on very different obligations that they can afford. This, in particular, can be traced from the presented table.

• Read also about: (full list).
• May be useful information for certificate holders maternal capital: .

Have questions on this topic? Ask our lawyer through the form below or call the numbers below.

Do you have any questions or clarifications? Our experts are happy to help you. If you need legal advice over the phone, you can order back call using the form of an online consultant, and our specialist will call you back at a convenient time.

Mortgage conditions for a young family for 2016-2017 Good afternoon, young reader! This post is dedicated to you and your family.

My cousin's wedding took place that summer and, as a matter of course, they are now expecting a baby.

Living in a rented apartment is not an option, I also don’t want to live with my parents, so we settled on a mortgage.

It’s good that we didn’t hurry, because there are special conditions for young families, including in our bank. He took over as helmsman and helped them get a subsidy for the purchase.

What is it and how is a mortgage issued to a young family in 2016-2017, read on.

Mortgage for a young family in Russia Mortgage for a young family in Russia is almost the only opportunity to become the owner of your own home.

Saving up to buy an apartment or build a house by yourself is very difficult.

Reasons for this: high level inflation, the high cost of living (including housing), the difficulty of finding a permanent job with high salary for a young professional.

Few would doubt that taking out a mortgage for a young family is the same as signing an obligation to volunteer to work all your life for the good of the bank. However, most Russian young families decide to take this risky step.

Warning!

You should know that a mortgage loan for a young family can be obtained by becoming a member of the state program to help young families.

Mortgage under the “Young Family” program is an opportunity to receive a significant state (support) subsidy when buying a home.

In addition, you can use the mortgage programs of banks. Mortgage programs for young families are available in many banks. They certainly differ from each other, and also differ from the state subsidy program "Young Family".

The main difference between the so-called bank assistance young families and the federal program - what the state. help is free.

The state provides a gratuitous subsidy for the purchase of housing, if the family is recognized in the appropriate manner in need of improvement living conditions.

Banking programs

Banks, in turn, do not “gift” anything to their customers, but can offer one of the following profitable options:

1. reduced interest rate
2. no down payment or minimum down payment,
3. the possibility of deferred payment without imposing penalties,
4. concessional lending.

To join the mortgage program, a young family needs to act as follows:

To receive a government subsidy:

1. obtain the status of a family in need of better housing conditions;
2. join the Young Family program and receive a certificate confirming the right to subsidies;
3. apply to the branch of JSC "Agency for Housing Mortgage Lending", which was created by the Government of the Russian Federation specifically to implement subprograms to improve the living conditions of needy young families.

To participate in banking programs, you need to contact the bank for clarification regarding the conditions of the relevant programs, then select the program you like and conclude a loan.

Conditions for taking a mortgage Each bank offers its own conditions for mortgage program"Young family".

However, there are several universal ones.

The general conditions for obtaining a mortgage for a young family are as follows:

1. age qualification;
2. the need to pay a down payment (it is usually calculated as a percentage of the cost of housing and ranges from 10%);
3. having a stable income and a permanent job.

Among the additional conditions for obtaining a state subsidy, it is worth highlighting:

1. the age of the spouses (up to 35 years);
2. the need to recognize a family in need of better housing conditions;
3. compliance with the condition that the family must be registered in a certain region for at least 10 years.

Mortgage documents

Among the common documents usually required by bank employees to apply for a mortgage, the following can be listed:

1. original and copy of the passport;
2. the original and a copy of the certificate of registration at the place of residence;
3. copies of documents on marital status;
4. education documents;
5. a copy of the work book certified by the employer;
6. copy employment contract(With additional agreements certified by the employer);
7. original certificates in the form 2-NDFL;
8. a completed application to the employer to confirm information about the income received.

Banks may be asked to provide additional documents required to make a decision on granting mortgage loan family.

Banks working with the Young Family program

The following banks offer their own mortgage lending programs for young families:

1. Sberbank - mortgage loan "Young Family";
2. VTB 24
3. Bank "Pervomaisky";
4. "Gazprombank";
5. OTP-Bank;
6. Tatfondbank;
7. Russian Agricultural Bank.

Attention!

Now, in most cases, in order to get affordable housing for a young family, it is necessary to apply for a mortgage. If the family decides to do this, then the bank should be chosen especially carefully.

source: http://molodaja-semja.ru/

State programs to support young families

State programs Considering the importance of correct population policy, the state seeks to assist young families in improving their living conditions.

Without support from the budget, most young families simply cannot afford housing and, consequently, cannot afford to have a child.

State support for young families is provided under the following conditions:

• each of the spouses (and if the family (hereinafter - sometimes S.) is incomplete, then the only parent) must be no older than 35 years;
• the family must register the status as in need of better housing conditions;
• There must be at least one child in the family. This condition is not spelled out in all programs (in some cases, the presence of children may simply increase the percentage of the subsidy);
• family should have fixed income to pay the state mortgage, or to have their own funds to buy an apartment.

What are the state programs for young families?

The Federal Target Program (FTP) "Housing" for 2011-2016 was approved by a government decree in December 2010. It was developed to solve the housing problem in general.

Program goals:

1. to form an economy-class housing market in the Russian Federation;
2. eliminate the lack of comfortable housing;
3. improve the quality of the housing stock in Russia.

This program implements the national project "Affordable and (in the exact wording - author's) comfortable housing - for citizens of the Russian Federation."

One of the subprograms of this target program is “Affordable housing for young families”. Provides state. support (subsidy) in the acquisition (construction) of housing by a young family. Designed for 2011-2016.

To implement the program, regional programs “Providing housing for young families” have also been developed. This is also part of the support programs for young families who need to improve their living conditions.

Program "Young family - affordable housing" for 2016-2017

affordable housing for 2016-2017 The project ultimately aims to increase the population.

The program is designed to solve the following important tasks:

1. improve the demographic situation in the regions;
2. provide MS with their own housing (houses or apartments);
3. reduce social tension;
4. activate the mortgage lending system.

The program "Affordable housing for a young family" should not be confused with the usual youth mortgages of commercial banks. “Affordable housing for a young family” is part of the comprehensive support of the MS by the state.

For young families participating in the subprogram, within the framework of the national project, the state, in turn, allocates funds for partial payment for the purchased primary housing or for partial payment for the construction of their own house. In 2016-2017, it is planned to provide housing for 172,000 families in this way.

Advice!

The amount of assistance depends on the presence of children and on the standard cost of a meter of housing in a particular municipality.

This amount is not expressed in money, but as a percentage of the average cost of housing. In 2016, for the participants who entered the program, the following amount of material assistance is provided:

• A family without children receives a 35% subsidy. The size family budget for a S. of two people, there should be at least 21,621 rubles, and payments for such a S. will be approximately 600 thousand rubles;
• A family with children receives a 40% subsidy. The size of the budget for a family of three should be at least 32,510 rubles, for four people, respectively, at least 43,350 rubles. AT money equivalent the payment for S. out of three people is approximately 800 thousand rubles, out of four people - about 1 million rubles.

If program participants give birth or adopt one child, they can receive 5% or more of an additional subsidy.

In addition, the program provides for benefits and payments to families with many children. Accordingly, demographic situation, each region provides its own additional financial assistance, which, together with federal measures, becomes a comprehensive support for young S.

What documents are needed to receive a subsidy under the program

To participate in the Affordable Housing for a Young Family program, a family must submit the following documents to local governments:

1. statement of the established form in two copies;
2. passports of spouses or a single parent (copy);
3. marriage certificate (for a full family);
4. birth certificate of the child;
5. documents confirming that the family is on the waiting list for housing;
6. credit or mortgage documents;
7. documents for housing that is being purchased or built.

If a social payment is needed to pay off a debt on a housing loan, then you must additionally submit:

1. a document confirming the ownership of housing purchased or built with the help of a mortgage loan (copy of the state registration certificate);
2. loan agreement (for agreements concluded from June 1, 2006 to December 31, 2010) - a copy;
3. a certificate from the lender on the balance of the principal debt and debt on payment of interest on a mortgage loan.

The authority decides to recognize this MS as a participant in the program, then notifies about it.

After receiving already approved lists of young families applying for participation in the program, informs about the need to submit documents to obtain a certificate.

Grounds for refusal to participate in the program:

1. non-compliance of the family with the established requirements;
2. failure to provide the required documents;
3. inaccuracy of information in documents;
4. the family had already improved housing at the expense of federal budget.

After receiving the notification, applicants must submit the application and documents referred to above to the local authority within a month.

Warning!

When the family receives a personal certificate in response, it must send it to any of the partner banks of this federal targeted program. The necessary amount of the subsidy is credited to the account of this bank.

The bank issues a loan secured by the acquired property. The property is transferred to the family. The grant is given only once.

So, the mechanism for receiving social benefits is as follows (except for Moscow):

• get on the regional register as a participant of the subprogram;
• obtain a certificate, then transfer it to an authorized bank;
• pick up housing, pay for it under a sale and purchase agreement through this authorized bank (add 70% of your own funds).

Changes in 2016-2017 The main points of the program remained unchanged.

Here are some of the latest innovations:

1. from January 1, 2014, funds must be directed to the acquisition of only primary housing or to participation in shared construction;
2. it is not allowed to use the subsidy at any stage of the payment of the mortgage loan, as it was before;
3. it is not allowed to send funds to secondary housing.

The innovation, as we have already noted, affected only those who registered in the program in 2014. The rest will receive assistance on the same terms.

What has remained unchanged?

The main part of the program does not contain changes. Thus, the criteria for participation in the project remained the same. They are:

1. citizenship of the Russian Federation;
2. the age of the spouses (or a single parent) is not older than 35 years;
3. a young family should be considered as in need of better housing conditions;
4. the family budget must be sufficient to obtain a loan;
5. each member of the Family should have an insufficient number of square meters of living space (no more than 15) or there should be no housing at all.

Programs "Affordable housing for young families" in the regions

Affordable housing for young families in the regions Regional programs to assist young families (created on the basis of the Federal Target Program “Housing”) operate in 80 constituent entities of the Russian Federation.

At the same time, each region takes into account its own capabilities and sets its own priorities and preferential order of priority.

There are the following options for social mortgages, which are provided for by law:

• subsidies for part of the cost of housing purchased with a mortgage;
• sale municipal apartments on credit and at a reduced price;
• reimbursement of part of the interest rate on a mortgage loan.

In different regions there are different types social mortgage. To participate in this program, you need to contact the local authorities - the department (department, department) that deals with local housing policy.

Specialists should advise on social mortgages. At the request of the applicant, they must do preliminary calculations taking into account the income of a young family, the amount of the first installment, the amount of the loan and its term, the amounts monthly payments on credit.

In Moscow, the Affordable Housing for Young Families sub-program is being implemented not literally, but with some options, retaining only the principles and tasks defined in the federal target program.

So, social payments are not issued to young families, but they are allowed to buy real estate in the capital at reduced prices, which is the property of the city.
In the Moscow region, the program operates in its classic form.

Program prospects

Since 2016, it was planned to introduce additional measures of social support for young families in Russia. The corresponding bill "On additional measures Support for Young Families” was developed by a group of deputies and submitted to the State Duma in December 2013. Its text is posted on the official website of the State Duma.

The bill included, in particular, the following measures:

• an interest-free loan to young S. with many children for the purchase (or construction) of housing;
• preferential rate under a credit agreement (or loan agreement);
• social payment for the purchase (or construction) of housing (from 25% to 40% of its average cost);
• housing subsidy to pay off part of the loan debt and credit interest at the birth of a child.

However, this bill has not been adopted, it is still under consideration. So, in 2016-2017, no significant changes are foreseen in the state support for families compared to the previous year.

Most likely, the action of the social project "Young Family", originally calculated from 2011 to 2016, will be extended for several more years - until 2020.

source: http://molodsemja.ru/

Program "Young family 2016-2017"

Young family 2016-2017 In 2011 in Russian Federation A program was launched to support young families.

With its help, the state was going to help Russians who are just starting a family life, making it easier for them to solve the most pressing issue - the acquisition of their own housing.

Attention!

The Young Family program was originally designed for the period from 2011 to 2015.

However, the government has repeatedly said that the significance of this project for the life of society is very great. Therefore, on April 15, 2014, a decree was signed to extend the "Young Family" until 2020 inclusive.

In May of the same year, the head of the Ministry of Construction of the Russian Federation, M. Men, repeatedly emphasized the importance of this program. The head of the Ministry of Construction noted that the reduction in the cost of the project, which happened as a result of the crisis, causes concern among the members of the State Duma.

He said that the deputies will try to return the program to its original level. According to plans, about 170,000 Russian families and single parents will be able to get new housing. But what changes will the program undergo in 2016, and what are its features today?

What does Young Family guarantee?

Just to clarify: the extended program has undergone some changes. Initially, the range of possibilities that it opened up was wider.

Now it has narrowed, but the change in conditions will allow the state to help more people buy their own housing. Previously, a young family or a single parent could apply for better living conditions in various ways.

So, if citizens became participants in the program, they could buy an apartment, finance the construction of a house, pay the first part of the mortgage loan amount, or repay the loan that they had at the time of joining the program, but only on condition that it was taken before January 1, 2011 .

In addition, if a couple or a single citizen were members of a housing savings or housing cooperative, the state could finance the last part of the contribution. The subsidy received could be used exclusively for the purchase of own housing or its construction.

However, the opportunity to receive assistance from the state is not provided to all citizens.

Advice!

Applicants are subject to a number of requirements. Thus, the maximum age of people who can receive a subsidy is 35 years.

Moreover, they must be citizens of the Russian Federation. In addition, it should be proved that the applicants are in the queue for the improvement of living conditions and really need it.

Legitimate Reasons for Home Improvement

1. The conditions in which applicants live are unsuitable for this.
2. The applicant does not have his own living space, or the area for each family member is less than it should be for one person. This indicator is determined in accordance with the norms adopted in the region where the person lives.
3. The applicant lives in a communal apartment with a sick person, with whom it is impossible to coexist.
4. The person or couple wishing to participate in the program already has enough money to partially cover the purchase of a home or mortgage. The amount of the subsidy is not taken into account.

The state also imposes income requirements on citizens applying for the program, and the amount of the subsidy is affected by the number of family members. If there are two people in it, the budget for each of them must be equal to at least 21 thousand 621 rubles.

The maximum possible amount of assistance is 600 thousand rubles. If there are three members in a family, each should account for at least 32 thousand 510 rubles, and you can count on a maximum of 800 thousand rubles.

In families of four, the budget of each should be from 43 thousand 350 rubles, and the state can provide assistance in the amount of 1 million rubles. The amount of subsidies until 2015 was 35%.

If a family or a single person with children applied for participation in the Young Family, then the amount of the subsidy changed to 40%. For those couples or people who raised several kids, additional benefits were also provided.

Program "Young Family" in 2016-2017

In 2016, the program rules were changed. Among the main amendments that the plan for providing young families with their own housing has undergone, there are three.

1. If previously a subsidy could be obtained to repay a mortgage at any stage, now this is not possible. Under the new rules, it is impossible to pay off debts with the allocated money.
2. The new version of the program does not allow receiving state assistance for the purchase of housing from the secondary market.
3. The maximum amount of assistance that can be allocated is 30% of the total cost of an apartment or building. The difference will have to be paid on its own or through a loan.

All participants who entered the program according to the old rules will be able to use the money as they planned. However, newcomers will be accepted according to the new standards.

How to become a member of the program?

First, the family should make sure that it meets all the requirements outlined above.

And secondly, in order to participate in the Young Family program, a package of documents should be submitted to the authorized body (most often it is the district administration). They must confirm several important facts about the family.

Mandatory documents The package must contain an application with a request to enter the program.

It is written in accordance with the established form in two copies.

One of them remains in the administration, and the second program participants take with them - as confirmation that the document was accepted.

The application should provide arguments why this particular person or family needs state assistance.

You will also need personal documents (passport).

Warning!

If the applicant has children, their birth certificates should be added to the package. For a couple who have legalized their relationship, it is also mandatory to submit a copy of the marriage certificate.

It is necessary to notify the state about what sources of income the family or citizen has. In this case, the task of the documents is to confirm the solvency of applicants. Only those who will be able to repay the debt can count on help.

The package should be accompanied by salary documents that are issued at work, as well as (preferably, but not required) - a certificate of a bank account. If a couple or a citizen receives social benefits, documents about this will also be needed.

Take care of the extract from the house book. She will inform government agency about the composition of your family.

To receive assistance, you will also need documents for housing that is being purchased or built, and for obtaining a loan or mortgage. In addition, the applicant must confirm that he is on the waiting list for housing.

Attention!

To do this, you should take care of a certificate certifying the queuing.

The list ends with information about the place of residence of the couple or citizen. It should cover the period for the last 5-7 years. It is advisable to provide documentary evidence (information about registration, and if the apartment is rented, then, for example, a lease agreement, etc.). But if this is not possible, oral evidence can be dispensed with.

When all this package has been collected, it remains to go to the administration, submit a request for inclusion in the Young Family program and wait for a decision.

Many young spouses are in a far from better financial situation for a very long time.

Buy your own housing, provide everything necessary for a newborn, pay 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 The 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 activity.

State assistance may differ depending on the region of residence, so information about due payments needs to be confirmed locally.

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 become a member of programs aimed at improving housing conditions, a family must bring the following to the Municipal Property Management Committee or a multifunctional center: the documents:

• 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:

1. Writing an application (the standard form is in any department Pension Fund RF);
2. 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 aid, 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, may also participate in 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:

1. Citizens registered as in need of better housing conditions can receive subsidies.
2. 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%).
3. 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 interest-free loan for 10 years under 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:

1. A young family can get 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.
2. The project is actively seeking cooperation commercial banks 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 ensuring that Russians do not seek mortgage lending, but finance housing construction on their own. Thus, the list of grounds for receiving payments under a construction contract has been expanded, share building or buy and sell. In addition, a ban was introduced on payment through state subsidies for housing purchased on secondary market and loan payments.

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

At the level of constant increase in real estate prices, it becomes not easy to become the owner of an apartment. In such difficult conditions, the participation of state structures in solving the problems that have arisen is becoming increasingly important. Young people have already experienced the benefits of the Young Family program, which helps to get affordable housing with the help of subsidies. More than 3.5 billion rubles were allocated from the federal budget for the implementation of this project in 2016-2020.

What is the Young Family program

The first thing you need to pay attention to is the state nature of this project, which gives serious guarantees to all participants. Within the framework of such a program, a family can count on social payments to purchase housing or improve living conditions. Applicants must meet certain criteria in order to qualify for government benefits under this program. This applies to the age of the spouses, financial situation and social status of those in need of better living conditions.

How the state supports young families

The beginning of the implementation of the housing target program dates back to 2002. This federal project was launched to provide housing for the needy categories of citizens and addressed a wide range of related issues (modernization of communal infrastructure, etc.). The main directions of the project included the implementation of the subprogram Providing housing for young families (better known in abbreviated form - the Young Family Program), which distributes housing certificates, the owner of which received a subsidy from the state.

Program Goals

The main purpose of this project is governmental support in the acquisition or construction of residential real estate. This is done in a variety of ways, for example, by issuing a subsidy for housing loans or payment of a contract for the construction of a house. The participants of the subprogram can become spouses who need to improve their living conditions and who have not reached the age of 35 years.

State programs for young families

The deadlines for the implementation of the next stage of the state program were determined for the period 2011-2015, but then the deadline was extended until 2020 without significant changes. All this allows us to speak of it as a well-thought-out target federal project for the issuance of state subsidies, which has a clearly defined target audience and social orientation. According to official data, over the first four years of implementation, about 108.5 thousand participants in the target program were able to improve their living conditions.

“Affordable housing for young families”

The emergence of such a project was quite predictable in the context of existing social norms and public policy to improve the demographic situation. At the same time, it is important to note that within the framework of the housing subprogram, it is possible not only to acquire your own real estate from scratch, but also to improve the existing conditions. This is especially true for participants with many children - if the apartment in which they are registered does not meet the norm (each has less than 18 sq. M) - this is a reason to apply for participation in the project.

Regional program "Provision of housing for young families"

Although the social assistance program is federal in nature, the distribution of subsidies largely depends on the administration of a particular region, because it takes place with the participation of local budgets. The authorities of the region or the republic determine the amount of subsidies, therefore, in different regions there are also different norms for the provision of social benefits from regional budgets. At the same time, the very entry of the region into the program for providing young people with affordable housing takes place on a competitive basis.

What is Young Families Help?

Insisting on the targeted spending of the funds received, the state provides ample opportunities for the use of the received subsidy to young families. Social Security can be used to:

• Purchases of housing - for example, apartments from a developer, where part of the cost is paid through social benefits.
• Construction of a residential building - in this case, the cost of the construction contract is paid.
• Obtaining a mortgage loan - the first installment is paid at the expense of the subsidy.
• Payment for a housing construction cooperative - this should be the last installment, after which the living space becomes the property of the participant in the program.
• Repayment of real estate loans – both principal and interest. At the same time, it is important that Bank loan was not overdue and was received before January 1, 2011, and the housing was tested for compliance with the economy class.

Subsidy amount

Government payments are provided for targeted spending (which is confirmed by obtaining a certificate), therefore, they can only be used to improve living conditions. One of the basic factors that determines the amount of subsidy a participant receives is the Estimated Real Estate Value (ARV). In this case, if:

• The spouses are married but do not have children - the amount of the social payment is at least 30 percent of the RDA.
• There is 1 child or more (this includes single-parent families) - a subsidy is provided starting from 35 percent of the RDA.

The estimated value of real estate is calculated by the formula RSN = NOP x HC1, where:

• NOP - the norm total area(for example, for two people - 42 square meters);
• HC1 - the standard cost of 1 square meter, established by the local government.

Additional benefits for large families

A family with three or more minor children is considered to be a large family. The Decree of the Government of the Russian Federation “On the Federal Target Program for Housing” specifically emphasizes that large families are one of the priority categories. For them, a benefit is provided - a larger subsidy in relation to the estimated cost of housing. For example, if a simple cell of a society of three people can receive 600,000 rubles for a social mortgage, then a large group can receive 1,000,000 rubles or more, depending on the number of children.

How to become a member of the program in 2019

The terms of participation in the project did not change during recent years which gives all candidates the same rights. If there is compliance with the necessary requirements and all documents are provided, the participant may apply for a subsidy. An apartment in a mortgage for a young family is the most common application of a social payment, which will be a down payment on a loan.

Mortgage conditions for a young family

In the context of the wide popularity and mass fame of the Young Family program, many banks offer mortgage products designed for those who have agreed to participate in this project. This is a very attractive category of clients, given the state funding of the program and additional subsidies from local budgets, which is why such a borrower will be much more likely to get a mortgage than ordinary clients.

Requirements for borrowers

Those who are interested in the Young Family program and who are going to apply for participation need to know that there are certain incoming requirements for candidates:

1. The age of each of the spouses does not exceed 35 years.
2. In the absence of children, it is necessary that the husband and wife have Russian citizenship. If there is at least one child, then only one of the spouses can be a Russian citizen.
3. Applicants must be recognized as needing housing by local governments and have an area less than the accounting norm.
4. Applicants must have sufficient funds, together with the grant, to purchase real estate, or they must have sufficient income to qualify for a mortgage loan.

Where to go

Applicants who meet all the criteria and want to take advantage of the benefits offered by this subsidy program, submit an application to the local government of their place of residence. More information is available on the website of the Department of Real Estate - if you have any questions, associated with clearance documents, you can apply there by e-mail.

What documents are needed

The list of documents that the Young Family program requires from participants is as follows:

1. Statement in prescribed form.
2. Copies of passports of both spouses, birth certificate of the child (children).
3. A copy of the marriage certificate (does not apply to single-parent families).
4. Documentary evidence of the need to improve living conditions.
5. Documents about financial condition spouses.

If it is planned that the social payment will help pay off the mortgage debt, then in addition to paragraphs 1-3, you will need:

1. Copy loan agreement.
2. A document confirming the need to improve living conditions at the time of issuance of mortgage funds.
3. A certificate from the bank on the amount of the balance of principal and interest.

Preferential mortgage for a young family with state support

The advantage of this form of lending for borrowers is difficult to overestimate - about the difficulties of obtaining bank loan Anyone who has ever tried to use this service knows. The subsidy project is an additional guarantee for credit institution, because in this case the borrower already has funds for the first installment, plus his solvency has been checked government agencies.

Which bank can you get

The Young Family program has proven itself well in the banking segment, and big players- Sberbank, Rosselkhozbank, VTB24 - offer mortgage lending to participants on preferential terms. For example, a mortgage for a young family from Sberbank will require only 10 or 15% of the cost of the apartment (depending on the presence or absence of children), with reduced rate for credit. For those who take advantage of this offer to apply for a loan, the bank has a special benefit - at the birth of a child, payments can be deferred for up to one year.

Registration procedure

The subsidizing procedure and further related actions are carried out for the project participants in several stages:

1. Submission of a package of documents to the local government, where within 10 days they must decide whether to accept the candidate or refuse.
2. Until September 1 current year a single list of participants is being prepared taking into account all submitted applications. Priority in the queue is given to those who are registered as in need of improved housing conditions before March 1, 2005 and those with many children.
3. After the government approves the amount of social payments for another year lists for payments are approved. All those on the list are notified that they will be paid a subsidy.
4. Filling out Required documents, the participant receives a certificate of eligibility for social benefits. The certificate should be handed over to the bank where the account is opened, to which the local government transfers funds for intended use.
5. Having received an order from the project participant, the bank transfers the money to the destination (real estate seller, mortgage lender, etc.).

Young family project for Moscow residents

Although Moscow is the capital and center of Russia, the Young Family program is not formally implemented here. The thing is that although the program is financed from the federal budget, the project implementation focuses on work in the regions for which funds are allocated. But at the same time, the residents of the capital did not stand aside - a special Moscow program was launched for them, which can be called a city initiative financed from municipal funds.

Who can apply

The requirements for young families from Moscow seeking to acquire their own housing are slightly stricter than for the regions. It is mandatory for candidates to:

• that both spouses be citizens of Russia and at least one of them has Moscow registration;
• be on the waiting list for improving housing conditions (or registered as in need of improvement);
• have an appropriate level of income, making it possible to pay a mortgage or immediately purchase real estate when a subsidy is issued.

How the queue is formed under the Young Family program

Muscovites who want to take part in this project should prepare an application, and after collecting a package of documents, apply to the Department of Housing Policy and housing stock Moscow. An employee of the fund will not only accept your documentation, but also check the correctness of filling out the application, issue a receipt of receipt. Since the second copy of the application with the signature on the acceptance of the documents will remain with you, make it in two copies in advance.

The queue for the city housing program includes several categories of those in need, with priority for applicants with many children, with disabled children, etc. The implementation mechanism itself in Moscow is also somewhat different from the federal one - participants are invited to purchase real estate at a reduced price, with compensation (write-off) of part cost. For example, parents with three or more children (or at least one disabled child) are charged 30%. Along with own funds to buy an apartment, participants can also use maternity capital.

Where can I spend the money received under the housing program

It is envisaged that the amount received will be spent on the purchase of housing, while there are two options for buying and selling - with the help of a social mortgage or in installments. In the second case, the contract is concluded for a period of up to 10 years with quarterly payments and a flexible system of lowering conditions. For example, the first payment is 20-60% of the property value, but it will be 15% if you have two children and 10% if there are three.

The total amount of the redemption and the amount of interest for the installment plan is determined regulations Moscow. An important regulatory indicator is the average market price for square meter- in the second quarter of 2019, it amounted to 90,400 rubles. It is important that until the end of the installment plan, the apartment belongs to the municipality - the project participant must pay communal payments, and in the event of a long delay, the contract of sale may be terminated.

Pros and cons of the Young Families Assistance Program

Positive sides of this social project are obvious - this is material and organizational assistance to young spouses in order for them to acquire their own housing. By taking part in this project, you can quite reasonably expect that your housing problem resolved for the better. You will get real estate with a restriction on the area of ​​\u200b\u200bresidential buildings or apartments, but this is social project, and it is not designed for lovers of luxury apartments.

Among other disadvantages, too high requirements for those who are issued housing certificates are often cited - since these people have income sufficient to obtain a mortgage, how much do they need a subsidy? If we compare this with the fact that a single mother with two children can receive as much as two spouses with one child, it is easy to see that there is still room for improvement in the project.

Video