The program is a young family until what age. The age until which a family is considered young

The city of Moscow in terms of social support for families with children is one of the most successful regions of Russia. This is confirmed by the regular innovations that are introduced at the city level regarding the list and size social benefits for children (there are so many benefits, and even in such amounts, they are not paid anymore in any other region of the country). And child benefits from 2018 in Moscow also undergone - many types of assistance for children in the capital increased immediately by 2-6 times. This is an unprecedented increase in child benefits for modern Russia, thanks to which they will exceed the size of many provided for the population of all regions of the country.

However, this increase will mainly affect the poor, families with many children, as well as parents with disabled children (unlike the same state benefits, which are paid to all categories of families, regardless of their income level and the number of children - with the exception of mat capital).

Changes from January 1, 2018 in payments for a child in Moscow

Since 2018, significant changes have come into force in the field of payments for children in the capital. At the suggestion of Moscow Mayor Sergei Sobyanin, changes have been made to city legislation, in accordance with which there are many regional benefits for families with children. What child benefits in Moscow have increased since 2018 and by how much? Here is a list of the main changes since January 1, 2018:

Monthly payments at the birth of a child in 2018 in Moscow

Another significant innovation in 2018 was introduced by decree of Vladimir Putin new monthly payments up to 1.5 years in the amount of the living wage:

• at the birth of 1 child - from the state budget through the bodies of the Social Protection of the Population;
• for the 2nd child - at the expense maternity capital through Pension Fund(FIU).

The amount of the new monthly allowance up to 1.5 years for such families in Moscow at the birth of the first or second child starting from 01/01/2018 will be 14252 rubles.(children's PM for the 2nd quarter of 2017, year).

They are meant families in need, in which the income for each member does not exceed one and a half subsistence minimum (PM) for the able-bodied, established for the 2nd quarter of the previous year (such a PM in Moscow for the 2nd quarter of 2017 is 18,742 rubles, in one and a half size - 28,113 rubles) .

What is the monetary threshold for earning a family so that it can receive a new monthly allowance for a child in Moscow? In 2018, it should not exceed the values ​​given in the table below.

For all cases indicated in the table above, the amount of the monthly allowance until the child reaches 1.5 years of age will be 14252 rubles- this is the subsistence minimum per child, established in Moscow for the 2nd quarter of 2017. The child must be born starting from 01/01/2018

Payment of state benefits to families with children in Moscow

Federal child benefits in the capital, established in Art. 3 federal law No. 81-FZ of May 19, 1995, are provided in a standard amount without multiplying by any increasing regional coefficients (they simply do not exist in Moscow). The list of basic state benefits for families with children and their amount (taking into account inflation indexation for 2018 by 4.3% since February 1, 2019) is shown in the table below.

Scheduling and payment of child benefits

• • From the start of pregnancy

    • 12 weeks pregnant

  • When is issued and paid

    28 or 30 weeks pregnant

    • End maternity leave

  • When is issued and paid

    Birth of a child

    • 0.5 years

    • (not limited)

    • 3 years

  • When is issued and paid

    End of maternity leave

    • 1.5 years

    • 3 years

  • When is issued and paid

    From birth or from 1.5 years

    • Under 16 or Under 18

• • When is issued and paid

    Adoption of a child

    • 3 months

    • 1.5 years

    • 3 years

    • 3 years

    • 18 years

    • 6 months after adoption

    • (not limited)

• • When is issued and paid

    180 days of pregnancy for a soldier's wife

    • The ending military service child's father

  • When is issued and paid

    Birth of a child

    • 3 years

  • When is issued and paid

    The onset of the death of a soldier

    • 18 years

• • When is issued and paid

    Transferring a child to a family

    • 6 months after transfer

    • 18 years

expand

Schedule of child benefits by the terms of their registration and payment

• • 12
    weeks
    pregnancy
  • 28 or 30
    weeks
    pregnancy
  • Birth
    child
  • End
    maternity leave
    holidays
  • 0,5
    of the year
  • 1,5
    of the year
  • 3
    of the year
  • 16
    years
  • 18
    years
  • regional allowance
    per child*
  • Lump sum payments
  • Monthly payments
  • Payouts possible*

  * the start and end dates of payments are set at the regional level (most often from 1.5 to 16 years)

• • Lump sum payments
  • Monthly payments
  • Payouts possible*

  * the start and end dates of payments are established by regional laws (most often from 1.5 to 16 years), but not earlier than the moment of adoption of the child

  ** the right to receive benefits does not depend on the age of the child at the time of adoption

• • Lump sum payments
  • Monthly payments
  • Payouts possible*

  * can be paid from the moment the child is born until the child reaches the age of 3, but not earlier than the beginning and not later than the end of the urgent military service

  ** paid from the moment of death of a serviceman until the child reaches the age of 18 or until the end of full-time education, but no later than 23 years

• • Lump sum payments
  • Monthly payments

As in other regions of the country, it operates in Moscow and. Its program has been extended until 2021, the amount of assistance in 2019 will amount to 453 thousand rubles. In the near future (until the end of 2019), this type of assistance will not be indexed.

Regional child allowances in Moscow

Can apply for Moscow city payments for a child Russian and foreign citizens, refugees and stateless persons.

However, at the same time, one important condition is presented to all recipients - they must have capital registration(both the applicant and the child). One of the parents or the person in charge of the child can apply for help.

Any allowance for a child in Moscow can be done in several ways, including:

1. Through the city portal MOS.RU. All available types of benefits are listed there and given detailed instructions to receive them. You must first register before applying. This is the most popular way of processing social benefits among Muscovites. In addition to payments, there you can find useful information about vouchers and other types of assistance for children.
2. To the nearest multifunctional center (MFC) My documents.
3. Using the website of public services www.gosuslugi.ru (first select "Moscow" in the "Location" tab at the top).

General list of documents, most often necessary for processing payments:

• passport (or other identification card, as well as a document confirming registration in Moscow) - both the applicant and the other parent;
• SNILS, TIN of the applicant;
• birth certificate of the child;
• marriage or divorce certificate;
• a certificate from the registry office in form No. 25 or a death certificate of the second parent (to confirm the status of a single mother, if relevant);
• court decision on adoption / adoption (if relevant);
• documents on the transfer to the family of a guardian or adoptive parent (if applicable);
• extract from the house book (or other confirmation that the child is registered in Moscow);
• certificate of cohabitation;
• account number.

In addition to basic benefits, the Moscow government offers benefits, subsidies and ancillary assistance to families with children. Their list is impressive. In general, the capital operates more than two dozen payments parents with children.

Two small features of the social support system for families with children in Moscow:

Below is a list of the main payments to Muscovites for children in 2018, which are discussed in more detail in the following sections of the article.

Lump sum in early pregnancy

Women who got up registered due to pregnancy early dates (up to 20 weeks) are eligible to apply for a lump sum compensation payment. Compensation can only be issued personally by the expectant mother. The allowance is issued even in the case of a stillborn child.

Additional one-time benefit for pregnancy and childbirth

Unemployed women dismissed from work to liquidate the organization during the year preceding the day they were recognized as unemployed are entitled to compensation from the city budget for the period of maternity leave.

• Compensation is provided regardless of the average per capita income of the family.
• It is calculated at the rate of 1,500 rubles. per month.
• It also applies to women who have ceased their activities as a notary, lawyer, individual entrepreneur.

Lump sum payments in connection with the birth or adoption of children

After the appearance of a child in the family, numerous costs fall on the shoulders of the parents. The one-time compensation payments provided by the city authorities are designed to reduce the financial burden and help with the purchase of the most necessary. There are several such payments in the capital at once.

Their registration requires compliance with a number of conditions. For example, one of the payments will be given to all Moscow families without exception. There is special types help young parents and those who.

One-time compensation payment at birth and adoption

urban lump sum payment for newborns is also called reimbursement for expenses by birth and adoption. It is due to all families living in the capital without exception. Material wealth, age of parents, receipt of other payments are not taken into account.

• It applies to legal relations that arose from 01/01/2010.
• At the birth of twins paid for each(for one - as for the first, for the next - as for the second).
• It is prescribed only for children born alive.
• Can apply parent, adoptive parent or guardian with whom the child actually lives.

One-time allowance for the simultaneous birth (adoption) of three or more children

Compensation payment is a kind of analogue of maternity capital. It is provided to families with three or more at the same time living children ( blood, adopted). Issued one per family.

• It can be issued regardless of the city compensation payment at the birth of children (that is, both that and this will be given at the same time).
• For registration, the financial situation of the family does not play a role.
• Parents immediately receive the status of large families.
• A parent or guardian may apply.

Additional one-time allowance for young parents

Families where the age of both parents (single parent) under 30 years old are entitled to additional payment due to birth or adoption baby. it child allowance per child in Moscow for each of the children in a family born before the moment when one of the parents is 30 years old.

• Another name that is common in everyday life is "Luzhkov's payments" to young families.
• The amount of the benefit is determined PM value at the time of birth. Changes quarterly.
• The applicant can only be Russian citizen.
• The age of the parents is determined on the day of birth (adoption) of the child.
• At the birth of twins payments are made in the order in which they are received. For example, for one - as for the first child, for the other - as for the second.

The payment is provided independently of other state and federal benefits. Its registration is not an obstacle to receiving compensation at birth and other types of assistance.

Monthly allowance for a child under 18

The purpose of this benefit is to help poor families , in which the average per capita income is less than provided for by the annually established norms. Allowance for a child under 18 in Moscow is paid for each of the children: relatives and adopted, foster and adoptive, stepsons and stepdaughters.

About 2 million children live in Moscow, of which about 265 thousand are in low-income families. On average, about 170,000 families receive benefits for the poor each year. In addition to payment, there is another type of assistance: providing free medicines for outpatient treatment children under 3 years old(according to the doctor's prescription).

Monthly compensation payment for a child under 1.5 years old

Special compensation for the child is due to mothers, laid off during maternity leave(for pregnancy and childbirth, child care) in connection with the liquidation of the organization. It is paid monthly, regardless of family income, until the child turns 1.5 years old.

Monthly allowance for food for children under 3 years old

Certain categories of families may receive monthly compensation payments due to rising food prices. This allowance is due for each child up to 3 years to such families (without taking into account the level of income):

• incomplete;
• in which the parent serves in the army and because of this has no income;
• if the parent is hiding from the payment of alimony;
• the family has a child with a disability;
• large families;
• student, including if the parent is on academic leave (but not available to graduate students, doctoral students).

The student family is considered where both parents (single parent) are in full-time vocational training educational institution primary, secondary or top level. The age of the parents does not matter.

Monthly compensation for expenses related to rising cost of living

The least socially protected categories of families are entitled to a monthly compensation payment. Her task is reduce the impact of inflation to the standard of living of the family. You can apply regardless of parental income. Compensation paid for each child under the age of 16(up to 18 years old if studying at school):

• who are raised by a single mother;
• whose father serves in the army or is hiding from paying alimony, or cannot pay them due to circumstances (for example, being in prison);
• from a large family (up to 18 years old, regardless of education);
• for children under 1.5 years old, if both parents are disabled or pensioners;
• The listed categories of families include substitute families.

Monthly payment for the maintenance of children in foster families

Foster parents(guardians, trustees, adoptees) are entitled to a payment for the maintenance of children adopted into the family. "Children" means every child under 18 having the status orphaned or deprived of parental care.

• The purpose of the cash content is the purchase of food, clothing and footwear, soft furnishings (bedding), equipment, household items, hygiene products, toys, medicines, books and other things.
• When making these payments, the monthly child allowance for the poor is not available, and vice versa.

Other types of assistance to foster families:

• Monthly payment for housing utilities 928 rub. (one per family).
• Extraordinary placement of foster (guardian) children in kindergartens and free admission.
• Free meals at school.
• Free travel in public transport for a guardian, foster parent, foster caregiver of a child under 18 years of age.
• Other benefits and types of assistance listed in the articles of Law No. 61 of November 30, 2005

Various compensation payments and benefits for large families

A family with many children in Moscow is considered in which at least three children under 16. If the child continues school after this age, then until the age of 18. In this case, relatives, adopted children, stepchildren and stepdaughters are taken into account. Families with foster children of 3 or more are equated to large families.

Various benefits and types of social assistance for large families (regardless of income):

• Monthly utility allowance (one per family):
  • RUB 1,044 for families with 3-4 children. Provided until the youngest child turns 18 (art. 17.1).
  • 2 088 rub. for families with 5 children.
• Compensation payment 250 rubles. for the use of a city telephone. It is transferred monthly one per family until the youngest child reaches the age of 18.
• Medicines for children under 6 are free.
• Free food for children under 7 years old (a doctor's opinion is needed).
• Priority provision of places in kindergartens.
• Two meals a day at school for students for free.
• Free travel on public transport up to 16 years old (18 years old if studying at school).
• Free repair and manufacture of dentures for mothers who have given birth to 5 or more children (except for dentures made of precious metals, porcelain, metal ceramics).
• Other types of assistance provided for in Art. 29 of Law No. 60 of November 23, 2005

Monthly payment for the purchase of children's goods for families with 5 children or more

The compensation payment is intended large families with 5 or more children. It is paid monthly one per family regardless of his average per capita income. Families eligible for payment:

• with 5 or more children under 18;
• with 10 or more children, if at least one of them is under 18 years old.

Monthly compensation for families with 10 or more children

One of the natural or foster parents in a large family with 10 or more children can apply for compensation payment. She is appointed per child under 18(or up to age 23 if he receives professional education face-to-face).

Monthly payments to families in which parents or children with disabilities

For registration of these types of assistance, in addition to the basic documents, a certificate of disability from the ITU is required. Disabled children are expected to receive such in-kind assistance (Article 30):

• Provision of social housing owned by the city.
• Subsidies for the construction of own housing.
• Free admission to kindergartens for children with disabilities.
• Free travel for a disabled child and his parents, as well as a person under 23 years old from among disabled children (if they are trained) and one of the parents in public transport.
• Release of free food (if there is a doctor's opinion).
• Provision of medicines and medical products.
• Free entry to museums, exhibitions, zoos, city parks.
• The opportunity to use the services of sports facilities free of charge.

Monthly allowance for the care of a disabled child

Families in which one of the parents from a complete family can't work for caring for a disabled child under 18. And also for a person with a disability from childhood to 23 years. Compensation is also provided to working citizens:

• single mother (father);
• widow;
• a parent who is divorced from the other parent of a child with a disability;
• one of the parents with many children;
• the parent in respect of whom paternity has been officially established;
• guardian or adoptive parent of a disabled child who is not under parental care.

When applying for social assistance, family income is not taken into account. Compensation is not assigned simultaneously with the monthly regional payment for the care of a disabled child.

Monthly social supplement to the pension for a disabled child

This type of assistance is provided as pension supplements child with a disability under 18 established at the federal level. It does not take into account the level of family income. May be appointed without application, if the responsible body (department social protection) has all the necessary documents.

To apply for an additional payment, you must comply with the conditions of residence in Moscow. Child under 18 must be registered in the capital:

• at least 10 years;
• less than 10 years old, but from birth;
• if not respected, the 10-year registration must be held by the child's representative or the child's deceased parent.

For reference. The size of the city social standard in 2018 will be 17,500 rubles. Living wage per child is determined quarterly. For the 3rd quarter of 2017, it is 13,938 rubles.

Monthly payment to disabled children who have lost their breadwinner

Disabled children under the age of 18 and disabled children from childhood up to 23 years of age are entitled to this compensation. Paid including for the past period, if the appeal did not occur immediately (but not more than 3 previous years).

Annual payment for school preparation

Schoolchildren from large families and students with disabilities are entitled to an annual payment. It is intended to offset the costs to purchase a school uniform. Provided for each of the children from a large family attending school, and for each of the children with disabilities. Until the end of 2017, this payment applied only to large families.

Benefits and types of assistance in kind

In addition to financial assistance, all families with children in Moscow can count on the following:

• Free delivery of products to pregnant women and nursing mothers (according to a medical opinion).
• Sets of linen for newborns in maternity hospitals for free.
• Free provision of dairy products by prescription for children in the first, second and third years of life. Children with a number of chronic diseases can receive such products until the age of 15.
• Travel for children under 7 years old in public transport is free (except minibuses and taxis).
• Free breakfast at school for students in grades 1-4. And for schoolchildren of any age from socially unprotected families - two meals a day.
• Free admission for children under 7 years old to museums, exhibitions, parks (if they are under the jurisdiction of the Moscow Government).
• Free admission to the Moscow Zoo, reduced prices for tickets to museums, exhibitions and cultural events for children under 18.
• Benefits for paying for a kindergarten for children of military personnel, students.

Regional supplement for a child to a survivor's pension (Article 7, Article 17 of Law No. 60 of November 23, 2005, Resolution No. 1268-PP of November 17, 2009).

Many Russians, especially young people, sometimes hear on TV, from colleagues, neighbors and relatives about the program for a young family, the phrase "young family".

But their meaning remains a mystery to most. Readers will find it helpful to understand:

• what is a young family;
• until how many years is it considered as such;
• what privileges do newlyweds and large families have;
• what state programs for married couples exist.

And the articles will find out who can qualify for compensation, subsidies, and receiving preferential housing.

years of marriage

First of all, it should be noted that we are talking about a married couple who registered their union in the registry office. A man and a woman living together even for ten or more years, having common children, are not considered a young family. In addition, even if the same person who lives with the woman and her child is entered on the birth certificate of the child / children, such a union cannot be called an official marriage. So, a young family is a man and a woman who have registered a marriage. They may be childless, with one or many children.

And now let's take a closer look at the question of how many years a young family can have such a status. AT official sources you can meet the answer: up to 35 years inclusive. But you can hear even more questions from those couples where the spouse is already 35 years old. Some young people think that if one is already that many years old, and the other is not yet, then they are not a young family. Actually it is not. Let's give an example: the wife is 25 years old, and the husband is 37, there is one child. They are a young family. It would be another matter if the wife were 36 and the husband 37 years old. In this case, they are no longer a young family.

About the state program

Until 2020, the country's authorities are extending the Young Family program. Up to how many years you can participate in it, we said above. That is, 35 years is not only the biological age of the spouses, but also the age up to which they can hope to receive housing from the state.

What is the program? From the administration of the city or district where they live, young people are given the opportunity to get their own plot of land or purchase an apartment on a preferential mortgage.

What are the conditions for participation

The conditions are quite serious. Therefore, in order not to waste time in vain, it is better to study them in advance:

• one of the spouses must not be more than 35 years old;
• both must live permanently (have a residence permit) in the region or region for at least 5 years where they plan to receive land / apartment;
• living conditions must be unsuitable;
• per person in this moment accounts for no more than 15 square meters(accordingly, if two are registered - no more than 30 square meters, if three - no more than 45).

These are the most basic conditions of the "Young Family" program. Until how many years, what are the most important conditions should be - we have considered this. Now you should familiarize yourself with the difficulties that a married couple may encounter when submitting documents to government bodies, to the city administration or the MFC.

Pitfalls in a new apartment

It would seem that the idea from the authorities is a good one, but you need to meet a lot of conditions in order to really get housing. Let's take a look at a few more conditions.

First of all, let's talk about non-working spouses who want to get new apartment. The fact is that square meters in this type of house will not be given for free. There is a certain percentage, which is the initial contribution from the state when buying a home. But it will depend on the composition of the family:

• childless;
• with two children;
• large families;
• with disabled children;
• with a blood relative with a disability;
• with orphans;
• single mother/single father with a child or children.

Further, after the down payment, young people must pay the rest of the mortgage out of their own pocket. Therefore, if you want to get an apartment from the state, the spouses must both work. The only advantage is that the percentage mortgage lending much lower than for individuals not participating in government programs.

It is worth considering whether there will be any life barriers in acquiring income, especially during the crisis period in which a young family has to survive. Until how many years do you need to pay a mortgage, what to live on if you don’t have enough money?

Pitfalls of the land

Most often, large families are offered land absolutely free. It would seem wonderful! But there is a certain condition: within a certain time (1 year), you need to at least dig a foundation pit. If there is no work on the construction of a house on the site, then it will be taken away.

Of course, in this case, the family must have money. This is how the Young Family Program works. Until what age should a house be built? It is advisable to immediately begin construction after a long preparation of the foundation. Material, labor - at your own expense.

unsuitable conditions

Very often we hear from young people that everything is not as rosy as we would like:

• apartment with poor conditions;
• a piece of land in a swamp or in an area with absolutely no infrastructure;
• there is no electricity or sewerage.

Of course, everyone wants to hope for a positive resolution of the situation and obtaining safe housing.

We recommend that you carefully read all the conditions offered by housing, calculate your strengths and capabilities. We wish you good luck in acquiring safe housing from the state! Now readers know how many years a young family is considered to be such, what pitfalls exist.

Many couples are wondering how old a young family is considered young. And this question is connected with the right of such a couple to use additional state support. Also, this concept is widely used by banks when creating certain preferential programs for lending to young spouses.

So up to what age can families qualify for additional privileges? Conventionally, this age is limited to 35 years. But different structures and programs may view the concept of a “young family” in different ways.

For example, when participating in state program to subsidize part of the cost of housing, both spouses must be under 35 years of age. But for Sberbank of Russia when registering preferential program lending requirement applies to at least 1 spouse. That is, the second spouse can be much older than 35 years.

Also, when registering, its participants are forced to wait for their own for years. In cases where one of the spouses is 36 years old, the couple is removed from participation in this program.

With concessional lending, one of the participants must be under 35 years old, but if loan agreement decorated and cash issued, it does not matter how many years later this couple will not be considered young. The benefit program will not terminate during the entire period of the contract.

Thus, a young couple includes spouses under 35 years old. And they can use this advantage to:

• participation in state and regional programs;
• obtaining a mortgage on favorable terms;

Sometimes the term "young family" can be used to get discounts in certain stores or salons. Here, the regulations are set only by the organizations themselves. A couple can be considered young both by the age of the spouses and by the number of years they have been married.

The Young Family Program is regulated individually by each subject based on the general federal provision for assistance to such married couples. The main requirements that program participants must meet:

1. The need to improve housing space.
2. Age limit.
3. Citizenship in Russia for more than 10 years.

Each region sets additional mandatory requirements for participants:

1. When determining the need for new housing, the norm of square meters for each family member is calculated from individual norms region.
2. Mandatory employment of one or both spouses.
3. Registration of all family members at one address.
4. The initial payment is not less than 10%.
5. The financial condition of the family, which guarantees that it will be able to find the remaining necessary funds to buy a home.

Program action

This program works as follows:

• applicants submit documents and an application for recognition of their need for housing;
• collect other necessary documents;
• write an application to the local municipality for participation in the program;
• receive a decision to put them in a queue or a refusal;
• receive, which gives them the right to take advantage of the subsidy;
• choose a way to improve living conditions;
• conclude a contract of sale, equity participation or a construction contract with an initial payment of more than 10%;
• submit an application for the transfer of funds on the basis of an agreement;
• pay the remainder of the contract.

There are three ways to improve your living conditions using this program:

• personal construction;
• share agreement for participation in construction;
• buying a home on the secondary market.

The state subsidy covers 35% of the cost of housing for a childless family and 40% for spouses who have a child. A family with one parent and a child can also participate. When there is a shortage own funds to improve living conditions, a married couple has the opportunity to use a mortgage.

The documents

To apply for recognition of a married couple in need of housing, you must submit to the municipal authorities:

• passports and certificates of all family members;
• information about the composition of the family;
• a copy of the personal account;
• documents confirming the residence of the family in a certain place and the grounds for possession, use of this property;
• information about living with the family of other persons;
• documents confirming the financial stability of the spouses;
• Marriage certificate.

Based on these documents, the administration decides whether to enroll or refuse to participate in the program.

Getting a mortgage

Many banks provide additional programs concessional lending for different categories of citizens. One of these categories is a young family, which can participate in a program specially developed by each bank individually.

In this case, the bank has the right to present its own requirements for the concept of "young family", different from the state ones. For example, banks may require the following:

1. The age requirement of one or both of the spouses must be under 35 years of age at the time of applying for a mortgage.
2. Registered marriage more than a year or other period.
3. Russian citizenship.
4. May vary depending on the presence of children interest rate credit and an initial fee.
5. Official employment of one or necessarily both spouses.
6. Initial payment from 10%.
7. Participation of co-borrowers and/or guarantors.
8. Lack of bad credit history both spouses.
9. Financial ability to pay mortgage obligations.

Based on these criteria, the bank independently makes a decision on the applicant's compliance with the established criteria. If a married couple meets these criteria, they are granted a mortgage loan for more favorable conditions. These may include:

1. Reduced interest rates.
2. Extended loan term.
3. Possibility to defer the final payment amount under certain conditions.
4. Reduced down payment.
5. Unofficial family income is taken into account.

These preferential banking programs can be used together with the state or independently of it.

Documents for the bank

For clearance mortgage agreement a married couple needs to prepare the following documents with which they need to come to the bank:

• passports and birth certificates of all family members;
• documents proving financial income (certificate 2-NDFL, bank account statement and other evidence of additional income);
• Marriage certificate;
• passports of co-borrowers and guarantors.

Based on the documents provided, the bank makes a decision and transfers funds to the specified current account.

When concluding an agreement shared construction it is necessary to pay attention to the list of developers accredited by the bank with whom it cooperates. When choosing another developer, the bank may refuse to pay.

One of the most common problems is the issue of housing. It rarely happens that relatives can provide housing, or at least provide part of the money for it, to a young married couple. More often people are left alone with this problem.

However, the government of the country is actively supporting such families, in particular, with the help of the special social program “Young Family”. Until how many years can you participate in it, what kind of benefits can you get, what is needed for this and where to apply? This will be discussed in this article.

More about the program "Young Family"

This program has been operating since 2011 and provides an opportunity for a young family to apply for a housing subsidy. In 2015, this program should be completed, but this does not mean that it is no longer worth waiting for help from the state, on the contrary, the Prime Minister of the Russian Federation claims that the terms of this program will be extended until 2020. The only thing is that the conditions of participation and the name of the program itself may change. However, the changes will not affect the amount and terms of payment of the subsidy. At the moment, there is no official data regarding the start date of the “new” program.

This social program operates not only in the central regions, but throughout the Russian Federation. The conditions for participation in it are the same in all regions. However, more detailed information is specified in the local administration.

In order to apply for a grant, you need to meet certain criteria:

1. One or more of the spouses (or two) must be under 35 years of age and have children.
2. The same conditions, but there are no children in the family, and the marriage was concluded more than a year ago.
3. The family is recognized as needy and has unsuitable living conditions for objective reasons.
4. The spouses are citizens of the Russian Federation.
5. The period of residence in the territory of a certain city is more than 10 years.
6. Not a single member of the family committed acts that worsened living conditions intentionally.
7. According to the total footage of an apartment, there is less living space per person than is established by housing standards.

How to queue up for program payments

The sequence number of applicants in the queue for a grant will depend on such factors:

• date of registration;
• the number and status of children (the presence of people with disabilities, as well as the status of a large family speeds up the procedure);
• how much living space per person;
• Does the family receive other benefits?

What documents are needed to apply for a grant?

To register in the Federal Program, a young family will need the following documents:

1. A written application to take part in the program (two copies must be submitted).
2. A copy of the applicant's passport, spouse and birth certificates of children under 14 years of age. It is important that these copies of documents contain pages with the indicated registration and children entered.
3. Certificate of marriage.
4. You will also need normative document confirming the fact bad conditions residence.
5. A document confirming the solvency of family members.
6. Home Book.

After receiving a subsidy, these funds can be used in different ways:

• pay for rent;
• pay a part mortgage loan;
• reimburse the costs of repairs that were necessary for housing.

Do not confuse the Sberbank loan program with social program! Sberbank provides assistance to a young family in obtaining a conventional mortgage loan. Loan program Sberbank, also called "Young Family", differs markedly from other programs:

• the borrower may have co-borrowers - parents. If this is a complete family plus parents, then all sources of income are taken into account - both official and unofficial (part-time jobs, freelance, and so on), and parents - only at the place of work (pension). If the family is incomplete plus parents, then all sources of income are taken into account, including additional income parents;
• the borrower has the right to issue an additional deferment in the payment of the principal debt;
• the borrower has the right to ask to reduce the amount of the first loan installment if the young family has a small child.

1. Spouses are required to have personal savings and a cumulative stable income, because the down payment for an apartment will have to be made by them, and it is at least 10% of the price of the living space they like.
2. Each of the married couple is officially employed.
3. Husband and wife must be registered at the same address and live only together.
4. The process can be accelerated by living in an apartment that does not meet the requirements of residential premises, as well as if there is a patient in the family with whom it is not possible to live.

1. On the date of issue of the subsidy, the age of the husband and wife cannot be more than 35 years.
2. The administration of each individual region of the country determines the threshold for the area of ​​housing, which is recognized as insufficient, thanks to which a young family can hope for the issuance of new real estate.

Young family: up to what age

This program has been operating since 2011 and provides an opportunity for a young family to apply for a housing subsidy. In 2015, this program should be completed, but this does not mean that it is no longer worth waiting for help from the state, on the contrary, the Prime Minister of the Russian Federation claims that the terms of this program will be extended until 2020. The only thing is that the conditions of participation and the name of the program itself may change. However, the changes will not affect the amount and terms of payment of the subsidy. At the moment, there is no official data regarding the start date of the “new” program.

1. One or more of the spouses (or two) must be under 35 years of age and have children.
2. The same conditions, but there are no children in the family, and the marriage was concluded more than a year ago.
3. The family is recognized as needy and has unsuitable living conditions for objective reasons.
4. The spouses are citizens of the Russian Federation.
5. The period of residence in the territory of a certain city is more than 10 years.
6. Not a single member of the family committed acts that worsened living conditions intentionally.
7. According to the total footage of an apartment, there is less living space per person than is established by housing standards.

Interest-free mortgage for the purchase of housing in 2019

• the status of a large family;
• the ability to independently pay the loan;
• lack of ownership of an apartment or house, if the purpose of the loan is the acquisition of housing;
• inadequate living conditions, if the purpose of the loan is to improve living conditions;
• recognition as in need of support.

This concept implies the participation of the state in the payment of part of the funds (usually not more than 30%) from the loan of a citizen of a preferential category participating in the assistance program. The meaning of help is the interest that the bank charges to the client is paid by the state. That's what a mortgage without interest is.

Mortgage lending program - Young family - in Sberbank

• The purpose of the loan is an apartment in the primary or secondary housing market.
• The term of the grant is up to 30 years.
• The currency of the mortgage loan is Russian rubles.
• The amount is from 300 thousand rubles, up to 85% of the value of real estate in pledge for families with a child, up to 80% of the value of real estate in pledge for childless families.
• The minimum down payment is 15% for families with children, 20% for families without children.
• Basic interest rate – 12.5-13.5%, plus 1% is added on the condition of refusal of life and health insurance services.
• There is no commission for consideration of the submitted application.
• Commission when applying for a loan - according to tariffs for settlements with the seller.
• Application consideration time - from 2 to 5 days (banking).
• Pledge - existing real estate, purchased real estate.
• The form of issuing a loan - in a cell in cash, to a personal account.
• Payment for early repayment- No.
• Age of borrowers - 21-35 years.
• Confirmation of income - a certificate in the form of a bank, 2-NDFL.
• Total work experience - at least one year for the last 5 years.
• Work experience in the last place - at least 6 months.
• Registration or registration - RF.

The main advantage of mortgages for young families is the possibility of attracting gratuitous state subsidies. federal program allocates compensation for loan repayment equal to 30% of the cost of housing, if the family has children, for each of them adds another plus 5%.

Which family is considered large in 2019

• categories of families that can be classified as preferential categories, are determined based on the general demographic, economic, social situation for a particular region;
• it is necessary to identify all those who can apply for benefits, to provide them with the minimum set specified in the corresponding list.

A large family is how many children, how can the status be correctly determined based on existing legislation? Contrary to logic, there is no such definition either in the RF IC or in other federal laws. Only Decree of the President of Russia dated 05.05.92 under No. 431 (“On measures for social support of large families”) is available. Data driven normative act, the regional authorities are obliged to take the following measures:

A large family in Russia: how many children are in it and what age are they

If there are four to seven or more children in a family, state awards are presented to parents. For those who have seven or more children, this is the Order of Parental Glory, and those who raised, raised or adopted 4-7 children are entitled to the medal of the Order of Parental Glory. There are male and female versions of the medal, which differ from each other. Delivery accompanies cash reward at 100,000 rubles.

The divorce of spouses, of course, raises many questions. But here everything is simple. If a family with three children leaves and, for example, one child remains with the father, and two with the mother, the status of the family having many children is lost. And, obviously, if all children remain with one parent, this status does not change.

A young family: how many years is considered such, what are the conditions and pitfalls

These are the most basic conditions of the "Young Family" program. Up to how many years, what the most important conditions should be - we have considered this. Now you should familiarize yourself with the difficulties that a married couple may encounter when submitting documents to government agencies, the city administration or the MFC.

Until 2020, the country's authorities are extending the Young Family program. Up to how many years you can participate in it, we said above. That is, 35 years is not only the biological age of the spouses, but also the age up to which they can hope to receive housing from the state.

How to get the status of a large family

In the last decade, another demographic crisis has been observed. Some regions have lowered the "children's threshold", which determines how many children entitle parents to be considered large families. Mordovia, Tyva, Mari El until 2010-2012 considered large families with four or more children. In 2019, a reduced criterion is used - at least three.

1. The minimum number of children is five (not three, as in most other cases). In addition to relatives, adopted and adopted children are counted. Their statuses should be formalized accordingly.
2. Children were brought up by their mother until at least the age of eight (that is, they were not transferred for temporary education in closed institutions, for example, a boarding school).
3. Insurance work experience of 15 years.

What payments and benefits are due to young families in Russia

1. Providing targeted subsidies for own housing. For size state aid affected by area and size of the family.
2. Attracting commercial banks that can provide young people with preferential mortgage loans (offer loans at reduced rates or allow repayment of mortgage debt through public funding etc.).

The state also never forgets about large families. For example, in accordance with the Decree of the President, dated 1992, each region must determine the feasible assistance for families raising 3 or more children. Some activities are generally accepted, and the need for their implementation is not discussed in any area.

Until what age do they give a mortgage on an apartment in the TOP-30 banks of the country and from what age should you think about a mortgage

Based on the previously described, the favorable age of the borrower is from 27 to 35 years. The chances of obtaining a mortgage loan will decrease markedly when the borrower turns thirty-five years old. After the borrower reaches the most favorable age, the conditions for granting a loan worsen: maximum terms repayment.

A serviceman is obliged to work in the Armed Forces of the Russian Federation throughout the entire loan period. Otherwise, he is obliged to repay the loan ahead of schedule due to his own circumstances. Decor " military mortgage» possibly throughout the territory of the Russian Federation, regardless of the place of service.