To provide state support to socially vulnerable groups of the population, state subsidy programs are in place mortgage loans. A number of new provisions will appear in them next year. The president Russian Federation Vladimir Putin said that the main changes will affect the categories of citizens who will have access to state assistance when repaying a mortgage loan.
Subsidizing is understood as gratuitous state material assistance, focused on partial repayment of a mortgage loan. In this case, the financial resources received by citizens can be used both as down payment as well as the payment of principal. Subsidizing is carried out at two levels - regional and federal.
For example, a citizen can make maternity capital as a down payment, and then apply for a subsidy local importance under the program of assistance to young families, repeatedly reducing the final overpayment. Participation is not limited geographically - the subsidy program operates on the territory of any subject of the Russian Federation, and the housing itself can be both a new building and a secondary building, but the housing must be completed and put into operation.
Next year there will be five programs for subsidizing mortgage loans:
housing for a Russian family;
a subsidy to pay off a mortgage for a young family;
military mortgage;
mortgage under maternity capital.
Participants of this program can count on a significant reduction in additional charges on the loan. In addition, borrowers can provide a certificate for the purchase of an apartment or house as a property. Participation in the "Housing" program is available for orphans, large families, disabled people, single mothers. Experts can count on support public sector- doctors, teachers, scientists, etc.
Subsidy for redemption mortgage loan in 2018 is not always sufficient to pay the full cost of new housing, therefore it is allowed to use these funds as an entry fee. The rest is then paid by the buyer with a loan or personal savings. At the federal level, a family of 4 is provided with a subsidy of 1 million rubles, but regional authorities have the right to provide no more than 300 thousand.
A citizen of the Russian Federation should be able to independently cover the gap between the subsidy provided by the state and the average market price for housing in a particular region. It should be borne in mind that initially the program is not aimed at providing housing on a completely gratuitous basis.
Compensation for a mortgage from the state to a young family is designed for young people of average income under 35 years old. A prerequisite is the absence of any habitable living space in the personal property of both recipients of the subsidy to repay the loan in 2018. To apply for state assistance, you must prepare a package of documents and apply to the youth policy department of the city administration.
The amount of the subsidy received directly depends on the official income of the family, the presence or absence of minor children and the comprehensive level financial well-being subject of the Russian Federation. For example, a childless family can be offered financial support of up to 30% of the loan amount, and a couple with children will be covered up to 35%, plus 5% for each child. It is important to consider that in the case of low income or poor credit history may be refused by the bank, even if the borrower participates in the program.
The subsidy program includes the "Social Mortgage", focused on employees exclusively in the public sector with a level of income below the average. The target category is citizen workers government organizations- polyclinics, hospitals, educational institutions and scientific research institutes. Law enforcement officers and law enforcement agencies will not be able to participate in this program. The issuance of certificates is carried out by a departmental body.
You can use the funds received in only two ways - by compensating the interest on the mortgage or by receiving up to 15% of the value of the property. It is very beneficial to participate in the subsidy program for researchers, the rate for which can be compensated up to 10%. Age restrictions are provided - not older than 35 years, but it is removed if a citizen has a length of service of more than 25 years.
The allowance for increasing the family is calculated based on the upper limit living wage per capita for the two quarters preceding the date of application for support and submission of all relevant documents. At the birth or adoption (adoption) of the first child, the subsidy will amount to 40 subsistence minimum budgets (BPM), the second - 80. At the birth or adoption (adoption) of two children, the assistance for the first child is 40, and for the second 80 BPM.
There is a subsidy for the military to pay off the mortgage in 2018. Participation in the program is available to all employees who have been in the army for more than 3 years, and military pensioners. A certain amount is transferred to the personal account of a participant in the savings and mortgage system (NIS) program every month. After 3 years, you can submit a report and apply to mortgage bank. Credit rate in this case is fixed and amounts to 9.9 percent per annum. The collected finances are paid in favor of the mortgage, and the loan is fully covered by the state instead of the citizen.
The fund of the accumulative mortgage system for each participant of the program is formed mainly from the funds federal budget. Terms of payment for the program military mortgage typical - 18 square meters for each family member. The acquisition of housing up to 54 square meters is envisaged. meters, with the expectation of an average family of 3-4 people. For some categories of military personnel, an increase in the area of \u200b\u200bfuture housing is available (from 15 to 20 sq. M):
university teachers;
having the rank of colonel and above;
unit commanders;
military men with academic degrees or honorary titles.
The military will have to supplement the subsidy received under the certificate with personal savings only in two cases: if the citizen was dismissed from his post, or if the allocated funds are not enough to fully repay the cost of the acquired real estate. The latter is especially true for Moscow, the Moscow region and other regions with high housing prices.
The life of most citizens is currently fraught with financial difficulties. In addition to everyday expenses and paying taxes, it is often necessary to repay loans, the interest rates of which are very high. Mortgage as a subspecies loan agreement can be a particularly difficult case as it is granted for up to 30 years and a lot can change over such a long period.
The following can count on state support in paying a mortgage:
military personnel and veterans;
public sector employees - medicine, education, science, etc.;
young families (with and without children);
large families;
adoptive families;
incomplete families with children under the age of majority.
To better understand how the 2018 mortgage repayment subsidy works, consider good example. Suppose a bank determines a loan for annual percentage 16.5%, and the fixed subsidy rate is 12%. The Borrower's 2018 Mortgage Repayment Subsidy covers the difference of 4.5 percent, which is immediately remitted to the lender. As a result, the state takes on part of the costs, and the citizen receives a mortgage agreement at a regulated 12% per annum.
To receive support, a citizen must meet a number of requirements:
age up to 35 years for young families, up to 54 years for civil servants;
entry fee from 20%;
the ability to independently cover the difference between the subsidy received and the final cost of housing;
compulsory insurance acquired real estate;
grant is provided for the first time.
There are also three points that the purchased housing must comply with:
1. The mortgaged property must be the borrower's only habitable dwelling.
2. The cost of the acquired property should not exceed the average market value of the region by more than 60 percent.
3. The areas should not exceed the following values: 46 square meters for one-room, 65 for two-room and 85 for three-room apartments.
The subsidy for the repayment of a mortgage loan for families with children in 2018 will become a priority area of social support for this category of citizens. The President of the Russian Federation Vladimir Putin announced the launch of a program in accordance with which the rate of more than 6% will be repaid. For a family that has given birth to a second child, the period of state support will be 3 years from the date of issuance of the loan, at the birth of a third child - 5 years.
State programs for subsidizing citizens provide for several ways to provide assistance: lowering the interest rate, partial or complete, depending on the amount, paying off the mortgage, refinancing debt using the services of another bank, restructuring in a difficult financial situation or using maternity capital.
Getting a new loan to pay off existing debt on a loan is called refinancing. With the support of the state, a citizen, turning to another bank, can count on attractive conditions: lowering regular contributions, lowering interest and revising the repayment term of the current loan. The bank is able to provide refinancing services if the borrower has not had any delays in payment, he has an official job and his income has not decreased.
To carry out the procedure for restructuring a credit institution, confirmation of the difficult financial situation of the debtor will be required. It is considered difficult financial situation, at which, after paying the amount of the monthly installment, the borrower has less than two BPM for living. The task of restructuring is to make changes to the loan agreement so as to reduce or temporarily cancel the monthly payment.
The term of the contract is extended or the payment of the difference is postponed to the end of the payment schedule, and part of the amount is covered by the state. In this case, the lender also receives a certain benefit, since the likelihood of a return of funds increases. To receive state support, the following conditions must be met: credit housing is the only one, the value of real estate does not exceed 160% of the average value for the region, and there are no overdue payments.
In August 2018, the restructuring program was revised and extended. According to the decision of the Government, an additional 2 billion rubles was allocated for subsidizing and the conditions for the procedure were updated: the contract must last more than 1 year at the time of restructuring, the amount of state support can be up to 30% of the remaining debt, but not more than 1.5 million rubles ; mortgaged property should be the only dwelling of the citizen.
The following can apply for government subsidies:
low-income families with children under 18;
all young families with minor children;
public sector employees and civil servants - teachers, doctors, etc.;
Mortgage Interest Rate Subsidization Targets Improvement living conditions citizens of the Russian Federation. Federal budget funds are attracted for partial payment by the state of the first installment on a mortgage, but the program of subsidizing rates only applies to new buildings. The decision on subsidizing is made by the housing mortgage lending agency. Without prejudice to the bank, the state reduces the rate to 11% for military reserves and to 12% for ordinary citizens.
At the birth or adoption (adoption) of a second child, the family receives maternity capital, which can be spent on paying off mortgage debt. The program has been operating since 2007 and has been extended until 2021. For many families, the 2018 mortgage payment subsidy is the only way to improve their living conditions. It is important that only cashless payments are available to obtain a certificate for state support, it is impossible to receive maternity capital in cash.
The program has a number of features:
you can use state support only once;
the amount received under the certificate is annually adjusted for inflation;
claim the right to preferential terms any citizen can lend after the appearance of a second child in the family;
the subsidy can be used to pay both the start-up fee and the principal or interest on the mortgage;
the state support certificate ceases to be valid upon the death of the recipient, the deprivation of parental rights and the cancellation of the adoption.
When purchasing real estate with the support of the state, a citizen is obliged to formalize the rights of ownership in Rosreestr; in the property documents it is noted that the house or apartment is pledged by a credit institution. The process of repaying a mortgage loan with the involvement of maternity capital can be divided into several stages:
Obtaining a certificate of existing debt from the creditor.
Collection of documentation required for submission to the pension fund.
Consideration of the application takes an average of a month. If approved, it will take another 30 days to transfer money from the FIU to a credit institution.
As soon as the money is transferred in favor of the bank, the mortgage loan amount is recalculated and the borrower receives an updated payment schedule.
If the family is already paying off their mortgage, the subsidy can be used to help them early repayment subject to the provision of the documents specified in paragraphs 6 and 13 of the Decree of the Government of the Russian Federation of December 12, 2007 N 862 (as amended on May 25, 2017).
It is important to remember that state funds are non-refundable, cash payments are excluded. The program participant does not receive any amount personally, but the subsidy can be spent not only to pay off the debt, but also for other expenses associated with the purchase of real estate - property valuation, etc. To receive subsidies for most programs, the following algorithm of actions is used:
Submission and review of documents. The review can take up to 180 days.
Upon approval of the application, a certificate of social support is issued, the validity of which is 90 days.
Provision of the aforementioned certificate in credit organization, where a personal personal account is opened in the name of the applicant for subsequent transfer financial resources.
Transfer to the account of the mortgage loan the amount guaranteed by the certificate of social support.
The first thing you need is a clear understanding of whether the applicant falls into one of the groups of beneficiaries. The point of appeal directly depends on a suitable social program: if it is maternity capital, then the Pension Fund is needed, young families need to contact the youth policy department under the city administration, large families - to the social protection department, and the military - to the Rosvoenipoteka department under the Ministry of Defense of the Russian Federation.
Part state budget allocated to subsidize the population is planned in advance. The amount of financial assistance is regulated in individually, but since it is not possible to accurately determine the number of people participating in the program, assistance is provided only to those who really need it.
A package of documents can be provided either in person at the relevant authorities, or by sending a registered letter or through a multifunctional center (MFC). The exact list of documents may vary depending on the category of the population to which the citizen belongs and the region of residence. Applicants for state support to repay a mortgage loan in 2018 must collect a voluminous package of documents informing about the situation of a citizen and his family:
an application made in the approved form;
documents proving the identity of the applicant, his spouse and children - passports, certificates, birth certificates;
marriage certificate;
full contract real estate loans;
bank statement on the terms of repayment of the loan and the residual amount of the debt;
extracts from the USRR on the right to own mortgaged housing and on the absence of other housing;
certificate 2-NDFL;
certificate of income of the co-borrower, if any;
certificate of lack of income for dependents;
an extract from the pension fund on the amount of the pension;
for new buildings - an agreement on equity participation;
assessment of the value of credit property;
bank statement on the payment schedule;
birth certificates of children and documents confirming adoption (adoption), if necessary;
on demand: extract from bank account to confirm the availability of funds to pay the first installment, or a certificate of income.
Except binding documents required by the credit institution, additional statements and references may be requested. All certificates in the USRR are issued on a fee basis, and in the event of a negative decision to provide a subsidy, the funds spent are not reimbursed. Therefore, it is worthwhile to study regulations about the appointment of assistance, to make sure that the funds will not be wasted.
According to the results of verification of the submitted documents, a positive or negative answer is received. The probability of a negative decision increases in case of any fraud on the part of a citizen. Keep in mind that each of the submitted documents is thoroughly checked for authenticity, and if the commission has suspicions, the applicant will be held administratively or criminally liable. The applicant is notified of decision.
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Most young families need financial support. Such assistance is provided by the state, which has developed many programs designed for this category of persons. Benefits are provided not only at the federal, but also at the regional level. For this purpose, various social projects are used that make payments to young families.
In order to receive preferences from the state, citizens must themselves take the initiative - automatically after marriage or the birth of a child, no payments are accrued. You need to independently go to different authorities, collect the required papers. As a result, you can get quite tangible support from the Russian Federation. The authorities of the country provide benefits in the form of:
You can apply for an allowance for a young family from an employer or social service. To this end, a complete package of documents is prepared and submitted to the relevant authority. The money will be credited within 10 business days, and you can receive it by the end of the month.
In addition to the above measures of assistance, people can rely on gratuitous cash payments in the amount of 700,000 rubles. young families. An allowance is allocated state program"Housing" and is intended for persons who meet the conditions of the project.
The payments claimed by young families are provided by various authorities. However, beneficiaries must meet certain eligibility requirements. All related issues are fixed in legislative acts, including:
Legislation allows the adoption of regional regulations that can supplement the list of material assistance to young families.
The period of validity of the program for receiving gratuitous assistance covers 2010-2020. Support is provided to families in which the spouses have not reached the age of 35. Young people should be in need of better living conditions and have an objective opportunity to pay the remaining cost of the apartment.
Additional conditions are the Russian citizenship of the spouses and the lack of their own housing or its insufficient footage. The presence of these circumstances will most likely help to receive a gratuitous allowance - 700,000 rubles, as well as other federal and local payments.
The "Housing" project has a sub-program, within the framework of which a social payment is made to a young family for the purchase of housing. Participants are entitled to receive 30% of the value of the purchased property when they do not have children, and 35% if they are.
The state makes lump-sum payments to a young family with the age of spouses under 30 years old at the birth of a child. They occupy a significant place in matters of additional financial support from the government. The following amounts apply here:
A young family receives special assistance developed by local authorities in any region of the country. The amounts of regional subsidies differ significantly from each other. This is due to the possibilities of the budget. In the Moscow region, this allowance is called "Luzhkov's payments." The main requirement for obtaining it is the registration of a young couple in the capital.
A young family is paid decent enough financial aid. Spouses with one child receive 77,000, with two children - about 110,000, and with three or more - 154,000 rubles. The subjects of the federation allocate funds individually, the amount of subsidies is determined market value square meter of dwelling.
In order to provide targeted social assistance, the status of a young family recognized as having many children is determined, that is, one when parents have 3 or more children to raise. The state compensates for various services, including utilities, transport, pays for meals for children in schools, acquires uniforms, organizes free visits to museums and exhibitions.
Families with many children, in parallel with material support, are awarded state and regional distinctions. So, along with receiving the Order of Parental Glory, a mother receives 100 thousand rubles at the same time if she has raised seven children, and the youngest of them is no more than three years old.
State support is received by spouses who have prepared and sent the mandatory documentation to the competent authority. In the Russian Federation, these issues are dealt with by the municipality or the real estate department. Add to list necessary papers includes:
There are various programs in Russia that help young families and encourage motherhood. The main ones provide preferential conditions for the purchase of housing. Subsidies are allocated for:
According to the rules of the program, special requirements are imposed on the acquired real estate. These include:
You can calculate state assistance as follows: let's say there is a young family with a child aged 2 years, spouses are 30 years old and they do not have housing. They decided to participate in the program for a young family and chose a property for themselves in accordance with the conditions, with a size of 18x34 = 54 square meters. m. The normative cost per square meter of the total area of residential premises in the country is 37,208 rubles. To determine the appropriate subsidy, the calculation should start from this parameter.
Since a child is growing in the family, they are entitled to a 35% discount. This means that the state will pay (54x37,208) x 0.35 = 703,231.2 rubles. The above example contains average figures, so the total amount depends not only on the area of the property, but also on the region of residence.
Financial support for young families greatly simplifies their ability to purchase their own housing. The government regularly carries out work aimed at raising the standard of living and improving the social protection of the population.
The activities of the Russian government are aimed at providing vulnerable segments of the population.
These include:
Today, the help of a young family from the state is especially needed. Spouses are very often financially limited, have no free cash and cannot afford to buy their own separate home.
To increase the birth rate in the country, it is necessary to provide high-quality support to the cells of society, therefore, every year the government allocates considerable cash from annual budget for the development and implementation of various social support programs.
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Assistance provided at the federal and local levels can provide significant support in the implementation of the life plans of spouses. Therefore, it is important to know what subsidies and benefits are due to a young husband and wife.
The housing issue remains one of the most urgent in the country. Few young families have free funds to buy a separate apartment or build a residential building. Living with parents or renting an apartment is not always convenient and profitable.
Government activities are aimed at solving this acute problem. Large sums of money are allocated annually from the federal and regional budgets for the development and implementation of special social assistance programs for citizens.
“Providing young families with affordable housing” is one of the most sought-after and popular types of government support for citizens.
The program has existed for more than a year and is aimed at providing real assistance to the population of Russia for the purchase of housing. The state allocates funds in the amount of 30-35% of the total cost of housing. The rest must be paid by the participants of the program.
There are a number of conditions that a young spouse must meet in order to issue a certificate:
Incomplete families with one or more children who meet the general criteria and requirements can also use the right to state assistance.
Upon submission of knowingly false or incomplete documents, the spouses will be excluded from the program participants.
The right to receive assistance is a certificate that is transferred to a commercial bank.
It is important to note that the certificate must be transferred to the specified bank no later than two months from the date of its receipt, otherwise it will be invalidated.
There are several options for where you can send the certificate. Young spouses have several options for disposing of the document:
To apply for financial assistance from the state, young spouses must contact the authorized bodies of local government.
If a family in need meets the requirements of the program participant, they are allocated a number in the waiting list. Upon receipt of the certificate, it must be implemented within nine months.
To be eligible for payment, you need to prepare a simple package of documents:
This is the main package of documents, some additional information is possible depending on the specific situation.
Large commercial banks thanks to state support, young families are offered to take advantage of special conditions by mortgage.
This makes the loan product more accessible to different segments of the population, reduces the monthly financial burden and reduces total amount interest paid to the bank. Main advantages social mortgage are:
The owners of this loan product can take advantage of all the opportunities when purchasing a home, as with a conventional mortgage:
Not everyone has the opportunity to apply for a social mortgage.
To receive it, you must submit certain documents and certificates to a credit institution and stand in line.
The government of the country is trying to provide great assistance to young families with three or more children.
For the education of future citizens of the Russian Federation, good living conditions and a favorable social environment are necessary.
To this end, the government issues laws that are aimed at maintaining a decent standard of living. large families.
They are supposed to:
A certificate confirming the right to receive and use maternity (family) capital has been issued to a mother, father or guardian at birth, as well as the adoption of a second child since 2007.
If the family did not use the right to issue a certificate earlier, then it can also be obtained after the birth of the third or subsequent children. Every year, the amount of financial assistance is indexed and grows.
Thousands of Russian families have already used the opportunity to receive this financial support from the state.
You will not be able to cash out. The certificate can be used for certain purposes:
The first step in issuing a certificate will be to apply to the registry office. They will issue a birth certificate of the child, giving the right to receive financial assistance. Then you need to approach the Pension Fund of Russia along with pre-collected certificates and documents.
After the application is accepted, within 2 months payments are made for the specified purposes.
To obtain a certificate giving the right to a state payment, you need to contact the FIU at the address of residence or registration with certain documents:
The government strives to provide the population with everything necessary. Helping young families is one of the priorities of the Russian Federation.
Every year, new projects and programs are developed and implemented to improve the living standards of the country's citizens. The following assistance is available to young cells of society:
In most regions of Russia, additional benefits and subsidies are also being introduced to provide assistance to the population.
The demographic policy of the country is aimed at raising the birth rate in the country and reducing mortality. Assistance to a young family from the state in 2015 is aimed at creating the necessary conditions for the birth of children, at improving the level and quality of life.
2015 was planned to be the final year for some of the government's major programs to support the young population. However, the main ones were extended for some time.
Today, the work of the program "Providing young families with affordable housing" continues. During the period of the program, it is planned to have time to provide the necessary housing for 172,000 Russian families, while spending 313.13 billion rubles.
Program funding sources
For those who entered the program in 2015, the following material assistance is provided:
The main rules and conditions of the program have remained unchanged, but there are some innovations that appeared last year:
The changes do not affect those who entered the program before 2014.
According to the original plan, 2015 was planned to be the last year for the implementation of the popular program, but so far its closure is not expected. Presumably, the subsidy will be extended until 2020.
Significant changes in this project have not occurred and are not expected this year.
Financial assistance was indexed in 2015, and was determined in the amount of 453,026.0 rubles. The government has taken steps to combat difficult situation in the country, and citizens were able to allocate part of the funds from the certificate in the amount of 20 thousand rubles for everyday needs.
To do this, you need to go to the FIU and write an application for the payment of funds. You can receive the money due no later than two months from the date of submission of all necessary certificates and documents.
As before, several large banks, supported by the state, are selling loan products with reduced interest rates needy young families. List of organizations in 2015:
Back in 2013, a new bill was prepared, called "On Additional Measures to Support Young Families", aimed at providing support to the population.
The information is on the official website of the State Duma. According to this document, spouses have the opportunity to receive:
But this bill is still under consideration, and the timing of its adoption is still unknown.
New bills are issued by the government every year. Will the state provide the necessary assistance to the young family in 2016? Undoubtedly, the answer to the question is yes.
The demographic situation in Russia has not been completely resolved, although positive dynamics are already noticeable.
Such a project as "Providing young families with affordable housing" will work in 2016. On August 25 of this year, Dmitry Medvedev approved Decree No. 889, on the basis of which assistance will be provided for another five-year period.
The project showed high efficiency in solving a complex demographic issue. It is planned to provide support to another 235,000 young families until the end of the program. Target date 2020.
The period of existence of the program was calculated for 2007-2016. Significant innovations and changes in the project are not expected. However, the question of extending the program is acute. There are various variations of the bill:
A big scandal erupted over the closure of the dairy kitchen in 2016. Young parents were not prepared for such a sudden closure of baby food outlets. Thousands of citizens' signatures were collected to overturn this decision.
The government went to meet the population and postponed the closure of the dairy kitchen until at least 2016.
No additional new projects are planned for 2016. In a crisis, it is difficult for the state to allocate funds from the budget for the implementation of support programs for young people Russian families. However, the government promises to fulfill the existing obligations in full.
of the Russian Federation is aimed at improving the quality of life and improving demographic situation. To this end, special programs have been created that make it easier for spouses to realize their plans for the future.
Special benefits for families with many children and single parents make it possible to ensure the full development and education of children. The government seeks to provide gratuitous assistance to the population, thus showing concern for the future generation and the state of the country as a whole.
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So, today we will try to understand what payments are due to young families in Russia under certain circumstances. Supporting the cells of society is the duty of the state. In Russia, it is being fulfilled, but it is far from always possible to get the required support without any special problems. Therefore, it is worth paying attention to many features of the provision of payments. Fortunately, there is a lot of support from the state. A variety of benefits, capital and housing co-financing - all this can be received by a young family. So what payments are due to such cells of society? What do you need to get in Russia? What conditions must be met? Understanding all this is not as difficult as it seems.
The first step is to understand what a young family is. After all, not all cells of society have this status. Only a certain circle of people falls under this definition.
Now a young family is called a marriage union in which the husband and wife are under 35 years old (in some cases up to 30). And this is regardless of the presence of children. That is, if you are less than 35/30 years old (and your spouse too), you can be called a young family and, as a result, receive various support from the state, not only as an ordinary unit of society, but also as a young one. There is a lot of such help. But social payments to young families for the purchase of housing or for the purchase of land plot(home construction). After all, the main problem now is the availability of your own apartment.
It is this subsidy that should be considered in without fail. After all, it helps to buy housing on favorable conditions. The state will help you get your own apartment so that you can live peacefully there with your children.
The program "Young Family" is very popular. It helps people in acquiring a home under certain conditions. Moreover, both people with children and without them can use it.
This payment to a young family for housing is provided on certain conditions. You have to follow some rules first. But about them a little later. The "Young Family" program can be used both to close part of the cost of an apartment under a sales contract, and to mortgage lending. The amount of the payment depends on the number of family members. What conditions must be met in order to bring the idea to life?
Social payments to young families for the purchase of housing, as already mentioned, are issued under certain circumstances. Some conditions have to be observed. Otherwise, it will not be possible to bring the idea to life.
Secondly, the unit of society must necessarily be recognized as in need of this. This is a mandatory item, without which even the observance of all other rules does not take place. As a rule, people who need to improve their living conditions can be recognized as:
It is also worth paying attention to the fact that if these points are not observed, there is no need to despair. After all, there are certain norms of square meters in an apartment per person. In cases where the footage is less than the prescribed, you will be able to apply for participation in the "Young Family" program. At the moment, the rules for obtaining state support indicate that people are eligible for a subsidy if they have less than 15 square meters per person.
Thirdly, payments for construction to young families (including for the purchase of housing) are provided only if the cells of the society are able to independently pay the rest of the cost of the land / apartment. That is, you must have a stable income. The Young Family program is not available to those who do not work and cannot pay the balance of the amount.
Fourthly, the participants must have the citizenship of the Russian Federation. Foreigners cannot participate in the Young Family program. No way. Only if they can obtain citizenship of the Russian Federation.
Payment to a young family for housing, as already mentioned, is provided only if it is possible to independently pay the balance of the cost of an apartment or land plot. How much income must a family have in 2016 to be fully eligible for the program? It:
These are the rules currently in force in Russia. Of course, the higher the family budget, the greater the chance that you will not be refused. Unofficial earnings cannot be included in the income of the family, keep this in mind. If you fit all of the above points, you can collect a certain list of documents and go to receive state support.
So, now you should find out the amount of funds due under the Young Family program, as well as a list of papers that will be useful for paying subsidies. At the moment, our today's payments cover approximately 30% of the cost of housing. But the specific amount of the money that is due varies. It depends on the number of family members. So, it turns out that the family:
If you want to claim these funds, you should hurry. After all, the Young Family program has a time limit. Now they say that it will be valid until 2020. Maybe in the future it will be extended or removed altogether. Therefore, it is clearly not worth the delay.
Payments to young families for the purchase of housing are provided only if there is a certain list of documents. What do you need to present in order to participate in the state support program "Young Family"? It:
Once all the documents are collected, you can go to the Department of Housing at the place of your residence to join the queue for participation. We'll have to wait a bit. And if you meet all the requirements, you will be able to receive a subsidy that is provided for the purchase of housing or its construction.
These are far from all payments to young families, but only one type of state support. As practice shows, young cells of society have every right not only to participate in federal program titled "Young Family". Families are entitled to all other types of state support. For example, maternity capital.
What do you need to know about this option of state support? Maternal capital- payments to a young family at the birth of at least a second child. Provided in a fixed amount. Young families can apply for this support in the same way as all other units of society in which there are more than 2 children. The funds should be spent either on the education / treatment of the child, or on improving housing conditions. The last option is the most common.
Now the mother's capital is 453,026 rubles. You need to contact the Pension Fund with relevant documents. It:
Nothing else is required. It doesn't matter if you are a family in need or not. Maternity capital is still provided to all applicants without fail. True, only once. That is, if after the birth of the second baby you have already received this payment, after the third it will not work again.
But that's not all. Payments to a young family at the birth of a child do not end on this list. The thing is that you can get a lump sum for each minor. This type of state support is suitable for all parents. It doesn't matter if you are young or not.
The amount of the allowance is 15,382 rubles 17 kopecks. This amount is given to everyone: both working and non-working parents. In the first case, you need to contact the employer, in the second - to the public service. It doesn't matter how many children you already have - the subsidy is fixed. Newly-made parents will have only 6 months from the moment the baby is born for its registration. If a given term missed, you will not be able to receive benefits.
The following social payments to young families are mandatory. It's about child care. It is paid until the child reaches 1.5 years. By the way, this type of support is mandatory provided to all families where the baby was born. It doesn't matter if you are a young cell of society or not.
The amount of the child care subsidy depends on the number of minor children. Also, your employment is taken into account - if a woman previously worked, benefits will be calculated according to certain schemes. More precisely, you will be given 40% of the average earnings for 2 years. But if we are talking specifically about social support, then payments to young families (and to all other cells of society) are issued by the center of social assistance to the population in fixed amounts:
There is also a payment for the care of a baby up to 3 years. Such state support is not too big. Therefore, many do not pay attention to it. Cash payments to young families in this case will amount to only 50 rubles per month. A similar amount is provided to all units of society with minor children.
That is why the execution of these payments does not worry the population too much. But keep in mind that even from the state after the child reaches 1.5 years old and before his 3rd birthday, you have the right. Even if the family is not in need.
It is also worth paying attention to the fact that a minor child, regardless of the family in which he was born, must be provided free of charge with all the necessary medicines for treatment. The list of available medicines must be clarified with you at the clinic where the baby is observed. Up to 3 years you have the right to apply for this benefit. Yes, this is not a benefit, but it is also a good way of government support.
Also, payments to a young family at the birth of a child are provided for early registration. More precisely, this type of state support is due to all women who began to be observed early in antenatal clinic. At the moment, it is necessary to register as a pregnant woman no later than at the 12th week of pregnancy.
If you do this, then after the birth of the baby, you can apply for a lump sum. Not too big, but it has its place. You are entitled to 576 rubles 83 kopecks. It is necessary to contact the social support service of the population. There you must present: passport, certificate of early registration, application for benefits.
There is also a payment to a young family up to 30 years old. There are two types of state aid in Russia. These are federal and regional. All previous options were state support of the federal scale. But regional payments are not known to everyone. And it is they who interpret the young family as a unit of society in which spouses are under 30 years old (inclusive). Other categories of citizens will not be able to receive this support.
Payments to a young family (up to 30 years of age to spouses) at the regional level are almost always laid down. They are commonly referred to as gubernatorial subsidies. In different regions, different amounts of financial assistance are established. For example, in Kaliningrad, you can get 3,500 rubles as governor's. You can contact the social support service of the population. You must submit certain documents to receive this payment. Namely:
Usually, the provision of social benefits to young families at the regional level goes without any problems. Only you can receive such support at a time. Governors are issued for each child.
What else can you expect? Payments to young families are different. Some of them are similar to each other. Another option is called "Large Family". Only the young cells of society can participate in it. At the same time, please note that you will be considered a large family only if you have at least 3 minor children. This is the only way you can participate in the program. What does she give? You are getting:
What other benefits are provided to large families? There are a lot of them. Now in Russia you can find a lot of opportunities that not everyone knows about. As practice shows, now large young families have the right to:
As you can see, there are a lot of options. But more interest is usually caused by cash payments to young families (including large and ordinary ones). Getting them into practice is not as easy as it seems. After all, collecting all the necessary papers is not easy. Paperwork makes getting subsidies difficult. But if you try, you'll succeed as soon as possible collect all the necessary documents.
Many are interested in one important point, which concerns the provision of material support to families (including young ones) with children. Are adopted minors counted?
Fortunately, yes. It doesn't matter if you yourself gave birth to a child or adopted. The main thing is that you are responsible for a minor baby. Just when applying, you will have to attach documents confirming the status of the adoptive parent instead of the birth certificate of the child. It will not work unless you apply for a birth allowance for a baby, as well as early registration in a antenatal clinic. All other subsidies are due to you in full.
The payment of subsidies to a young family can take place, as we have already found out, at the regional level. Only in addition to gubernatorial support can you get lump sums. They are installed in approximately 53 regions of Russia. And their size varies from 6 thousand rubles to 11,000. In some cases, you can even get 15,000 rubles as support for a young family from the region.
Find out the exact information in your city. This type of government support is constantly changing. Therefore, reliable data can only be obtained from the government of a particular region.
That's all. As you can see, various social benefits are offered to young families. Everyone, subject to the necessary conditions, has a chance to receive cash payments in various sizes. If you start preparing documents in advance, you will be able to solve the problem in the shortest possible time. These are the social payments to young families (for housing and not only) laid down in Russia.
If you know all the details about the Young Family program, you can receive benefits and subsidies that will make it financially easier to buy your own home.
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.
A family that will participate in the Young Family program in 2019 will be placed on a waiting list for a subsidy of no more than 30% of total cost housing. The extension of the "Young Family" program will help many families realize their cherished dream - the acquisition of their own living space. It is planned to provide more than 170,000 Russian couples with housing.
The program is designed to help young families acquire ownership of a residential property or create an individual property. housing construction. In particular, social benefits under the program can be used to:
At the same time, residential premises cannot be purchased from close relatives (spouse (wife), grandfather (grandmother), grandchildren, parents, adoptive parents, children (including adopted children), full and half brothers and sisters).
As a result of participation in such a program, a young family receives a certificate of the right to receive social benefits. The validity of such a certificate is not more than 7 months.
However, the opportunity to receive assistance from the state is not provided to all citizens.
There are a number of requirements for applicants:
The right to participate in the program is granted to a young family 1 time, participation is carried out on a voluntary basis.
Important: to participate in the program, the family does not have to be complete, and it is not necessary to have children. Also, one of the spouses may not be a citizen of the Russian Federation.
The social benefit is provided in the amount
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 in 2019, a package of documents should be submitted to the authorized body (most often it is the district administration).
To participate in the program, the family must come to the local government at the place of registration.
Before contacting the district administration, namely the housing department, it is necessary to collect the entire package of documents. The list of documents is quite voluminous, but their collection will not take much time:
To repay the principal amount of the debt and pay interest on loans, to purchase a dwelling or build a residential building, you will also need
Having prepared a complete package of documents, you can contact the appropriate authority. Both spouses or one of them can perform the procedure. The person who accepts your documents is obliged to advise you on the further fate of your participation in the program.
The decision to include you in the lists of participants in the program is made within 10 days from the date of receipt of your application. The grounds for refusal are strictly defined by law:
Re-submission of documents is allowed after the reasons for the refusal are eliminated.
If at the time of the formation of the lists of young families - applicants for social payments in the corresponding year, the age of at least one of the members of the young family exceeds 35 years, such a family is subject to exclusion from the list of young families that have the opportunity to participate in receiving subsidies.
You can ask all your questions in local government bodies. The "Young Family" program will allow you to get your own home and not worry about the future!
Do you need on the subject? and our lawyers will contact you shortly.
If you have any questions about the possibility of participating in the program, we recommend that you visit the official websites of state authorities. There you can get full information on the program and the conditions of participation in it.
Another opportunity to get a full consultation is to contact a lawyer who will point you to all your prospects for participation in the program and answer all your questions.
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