Since 2012, Government Russian Federation implemented several projects, which are primarily aimed at helping young families.
They include:
One of these projects is aimed at ensuring that a young family in short time I was able to get my own home.
Using the "Young Family" program, young families can easily buy an apartment or a house.
In such a program, the State takes over part of the payments for housing. As a rule, the government pays up to 40% of total cost housing. The rest of the payments, the young family pays on their own.
In addition, to participate in the program the following basic conditions must be observed, how:
The program includes many benefits, the main of which are considered to be:
A young family, which consists of two people, has the right to count on an amount of assistance in the amount of up to 600,000 rubles.
In the event that a young family consists of 3 people, the amount of assistance will be 800,000 rubles. If a family of 4 or more people - no more than 1 million rubles.
If the family is large, the amount of financial assistance is calculated on an individual basis.
For taking part it is necessary to apply to the executive body at the place of residence, to clarify the addresses of the construction of new buildings. After the final decision on which new building is specifically in question, the young family begins to implement collection of all necessary documentation
.
It is worth noting that the executive body has the right to offer another new building if the cost in the desired one is significantly higher than in the other.
Without any doubt, not all young families who live in the Russian Federation can take advantage of this program. There are certain conditions under which you can participate in this state program.
Basic conditions include:
A young family that fully meets all of the above criteria can only receive a subsidy if they use her for such needs, how:
In the event that the inspection body reveals the use of allocated funds for other purposes, mortgage lending stops its operation, and the case is referred to the court for an administrative offense.
Provided that the young family fully meets all the specified requirements, they need to bring and fill out a number of documents which include:
In the event that the entire package of documents has been collected, the young family is sent to the city (district) administration to be placed in the queue of their family. It is worth noting that the submission of this package of documents can be either joint or can be entrusted to this one of the spouses.
An authorized person who accepts documents is obliged to conduct a consultation on further action young family for the speedy receipt of subsidies.
Despite the fact that under the “Young Family” program all the conditions for registration are more than transparent, all families must be prepared to overcome various difficulties.
Often, difficulties arise due to bureaucratic delays.
The whole process of collecting the necessary documentation, including the timing of their consideration, takes a huge amount of time. Moreover, the application can be considered for several months.
In addition, there is a limit on the number of young families who are eligible to participate in this program, and it is also worth noting that there is a live queue.
It is necessary to take into account the fact that such a program is not able to provide assistance to low-income families, so all young families must be financially secure.
Based on the submitted required package of documents, the housing stock issues its final verdict.
It can be of several types, namely:
Reasons for the decision failure can be:
After the acceptance of the entire package of documents, the housing stock in without fail is obliged during the first 10 days to make his decision on participation in the young family program and send his decision by mail to the address of their temporary residence. The letter must arrive no later than 5 days from the date of the decision.
Together with the decision, should be formed total amount financial assistance to be allocated to a particular family. It is worth noting that the amount is different for everyone.
After the approval of the amount of assistance, during the first few months, local authorities issue an appropriate certificate, according to which the payment will be made.
Financial assistance is paid non-cash payment to one of the family members. All funds are credited to a bank card.
In the process of acquiring housing, a young family must submit documents to the executive body that confirm purposeful use allocated funds, namely:
What documents are needed and the conditions for participation in the Young Family program are discussed in the following video:
Newlyweds often do not have the opportunity to purchase their own housing. After all, real estate in Russia costs a lot of money. But the state has created a program under which young families have the right to buy housing at a tangible discount (,). Such assistance is provided both at the federal and regional levels. How is it implemented in the Moscow region?
The essence of the “Young Family” program in 2020 in the Moscow Region is that the state allocates a certain amount of money to a citizen so that he can buy a house for himself. But only a certain category of people can use the help.
You should be aware that funds can not be spent for any purpose. A subsidy to a young family for the purchase of housing 2020 in the Moscow Region is issued for:
Currently, most government money is used to obtain mortgages.
Funds are provided in the Moscow region from the consolidated budget. It is necessary to take into account the fact that the subsidy is only a part of the money that will not fully cover the cost of acquiring living space. The rest of the amount the young family will have to pay on their own. Another state support can help with this - maternity capital.
Calculate the amount of payment from the state as a percentage of the total cost of housing. The following rates are set in the Moscow Region:
Also at the regional level, newlyweds who have a child after being placed in the queue are allocated another 5%. This rule also applies to the adoption of children. It is worth noting that state support extends not only to married couples, but also to mothers or fathers who raise children on their own.
What are the conditions for the Young Family program in 2020 in the Moscow Region? To participate, you must meet certain requirements. The criteria for citizens are as follows:
The main condition of the "Young Family" program in the Moscow region is the need to purchase living space. A married couple should not own any real estate.
The procedure for becoming a member of the Young Family program in the Moscow Region 2017 involves the following steps:
In the selected bank, employees will open an account, to which the local self-government body will transfer cash to buy a home.
To register under the social program for young families in the Moscow region, residents should contact the local administration, taking with them a package of papers. The employee will check the correctness of filling out the application, the sufficiency of the documents and issue a receipt for their acceptance.
After 14 days, the LSG body must decide whether to put the young family on the waiting list or reject the application. The employee notifies citizens of the results in writing. If 2 weeks have passed, and there is no response from the administration, then you should personally contact them to clarify the decision.
Often, couples are faced with a refusal to be placed on the queue under the state program. There must be good reasons for this. You may be rejected for the following reasons:
Re-applying to the local administration is allowed after the applicant eliminates the reasons that led to the rejection of the application.
Government program"Young Family" in the Moscow region initially operated until 2015. At the moment, the authorities have decided to extend it until 2020. The extension of the duration of the program is justified by the fact that it is an effective way to improve the living conditions of the poor.
The state program "Young Family" in 2020 in the Moscow Region establishes requirements not only for applicants for preferential purchase of real estate, but also for the most purchased residential premises.
When choosing housing, it should be taken into account that the property must fully comply with sanitary and technical standards, not be in disrepair, located in the same area where the application was submitted, so that the house can be lived all year round.
Together with the application, a certain package of papers must be submitted to the municipal body of LSG. Each region has its own list of documents. Under the Young Family program in 2020, the following documents will be required in the Moscow Region:
The list of documents may be changed by local authorities, therefore, before collecting, you should once again check with the employees for the list of papers valid at the time of application.
Every person, and even more so every family, wants to have their own separate corner in order to build their own nest there. But not everyone can afford to buy an apartment.
It is precisely for such young families that the Young Family program was developed, which in 2017 gained even more popularity among the inhabitants of Russia.
State program "Young Family" 2017-2020 is aimed at improving the living conditions of the newly minted cells of society, as well as consolidating their positions in financial plan. This project ran from 2011 to 2015. However, Dmitry Medvedev announced a possible extension of the program until 2020. The extension of this program will help many families realize their cherished dream - the acquisition of their own living space. It is planned to provide more than 170,000 Russian couples with housing.
Do not confuse with the Young Family program from Sberbank.
All such state programs have 2 main goals:
By reducing market value on housing, many families will be able to afford to buy real estate. Initially, the maximum cost per 1 sq.m should not exceed 30 thousand rubles, however, after the program began to function, this price soared to 35,000 rubles. in certain regions of the country. This jump is due to the fact that prices for Construction Materials increased the cost of land.
The main and only condition of the "Young Family" program is that the location of the future home is determined by representatives of the local authorities. They also approve the developer's company, all the necessary documents, projects, according to which the house will be built.
By July 1, 2017, 25 million will be ready for delivery. square meters housing, which are located in 67 subjects of the federation.
In addition, each project must be located with a developed infrastructure, and if there is none, then by the time the object is commissioned, all the necessary buildings (parks, hospitals, kindergartens, shopping centers) should be within walking distance. Another important condition concerns the cost of housing. It should not be higher than 80% of the cost of apartments in the city. Price control is carried out on the basis of federal law.
The conditions for program participants remain the same, namely:
For more information about who, according to Art. 51 of the Housing Code of the Russian Federation is recognized as needing housing:
1) if the citizen (and his relatives with whom he is registered) do not own residential premises, and they do not live in “social housing” (i.e. under a social tenancy agreement);
2) if a citizen (or his relatives who have him registered) owns residential premises, or they live in “social housing” (i.e. under a social tenancy agreement), but the area of \u200b\u200bliving premises for each resident is less than the established (accounting) norm;
The accounting norm for living space, below which a family is defined as needy, varies in the regions of Russia, but on average it is 10-14 square meters. meters per person. The calculation takes into account the total area of housing (without balconies and loggias), as well as all citizens officially registered (registered) permanently on it;
3) citizens living in premises that do not meet the necessary requirements, i.e. in emergency housing;
4) citizens living with a patient suffering from a severe form of a chronic disease, in which cohabitation is impossible.
When determining the level of housing provision (i.e. how many square meters per person), it matters:
Each payment case is calculated separately. In order to more accurately know the amount of material compensation, the following calculation principles should be taken as an example:
Subsidies can be used:
If you meet all of the above criteria and are ready to comply with the necessary points, start collecting a package of documents.
Required package of documents for participation in the program:
The application is written according to a standard template (can be found on the State Services website) in 2 copies. The text of the application should contain information about what kind of difficulties the young family is experiencing in terms of housing, as well as a reasoned need for state financial assistance.
After the package of documents has been collected in full, the family should contact the real estate department at the place of residence (or other authorized body), submitting a copy of the application. The applicant takes the second copy with him.
The estimated time for consideration of the application does not exceed 10 working days. After this period, the applicant receives a letter from the department informing him of the decision.
In the case of a positive answer, the young family becomes a participant in the program (however, the certificate is issued only when the queue comes up).
After receiving the certificate, you should contact the bank with it to open an account where the funds will be transferred (this must be done no later than 2 months after receiving the document).
Applicants should pay attention to the fact that the maximum mortgage amount cannot exceed 2.2 million rubles, in addition, it is forbidden to buy secondary housing under the program.
We wish you good luck with your decision. housing problems and decoration!
The difficulties of giving birth and raising a child are multiplied many times over when you live in a cramped small apartment, or even worse, a room. However, the state has provided for the coming years, 2018-2025, a number of state support programs that involve the allocation of money for the purchase of housing for certain categories of citizens.
This article of the financial social magazine ProfiComment will discuss what is required from the state for young families and what assistance from the state a young family can count on in 2018-2019.
. Someone considers himself young enough at 40, and for some, the 30-year milestone seems like a window to maturity.
However, the state of the term "young family" does not raise any doubts about its unambiguity. A young family is a complete or incomplete family raising at least one child and in which each of the parents is not older than 35 years.
These families also include single mothers who raise children without a father.
The fact is that due to the demographic hole that was observed in the 90s, Russia is undergoing a slow process of restoring the birth rate. In the coming years, because of this, we will witness such a phenomenon as the excess of the elderly over the youth. In other words, there will be more pensioners than citizens of working age.
Infographic 1. Dynamics of fertility, mortality and vital movement of the population of Russia in 1950-2018In order for pensioners to have someone to feed and protect our Motherland, at the beginning of the 2000s, the Young Family state support program was developed.
Due to improved focus government agencies per demographic situation there are subsidies for young families to buy housing. What it is? A subsidy is a gratuitous assistance from the state in the form of cash or material assets given to a person in need.
It is becoming more and more difficult to give birth and raise a child in the current conditions - there is an increase in food prices, layoffs at enterprises, and of course, most importantly, the high cost of real estate in cities. Everyone wants to live and raise children in big city, because in a small village with work is tight. And without work, how to pay for utilities, food, clothes, kindergarten and school? So it turns out that young boys and girls flock like streams to megacities and have children there.
It turns out that the main difficulty of any young family is the lack of living space. Many huddle in small rooms in a hostel, some rent apartments, but still, most often a family of 3-4 people has no more than 20-25 meters of living space. But according to social norms, this is not enough for a full life and raising children.
As a result, the state has developed a number of programs to support young families:
All these programs, to varying degrees, are aimed at improving the living conditions of families with children.
In 2018, there were changes in the support programs for young families. Earlier we wrote about how to get housing for a young family in 2018. According to Government Decree No. 1243 of October 12, 2017, from January 1, 2018, the implementation of federal targeted programs:
terminates prematurely. Instead, the Government has developed new measures of state support for young families.
These state programs are combined into a general state program “Providing affordable and comfortable housing and utilities Citizens of the Russian Federation”, which from January 1, 2018 begins to be implemented in a new way.
The main parameters of the state program "Young Family" -2018:
Tasks of this program:
What is the program "Young Family" -2018? This is a state subsidy of part of the cost of a lacking living space for a needy young family. In simple words This is the allocation of money by the state for the purchase of housing for young families.
Not everyone can participate in the state program to improve housing conditions Russian families. In 2018-2025, a number of well-founded requirements are put forward for such families, only after the fulfillment of which it is possible to receive money from the state for the purchase and improvement of housing conditions.
Conditions for participation in the state program "Young Family" -2018:
The procedure for obtaining money for this state support is rather complicated and bureaucratic, but there is no other way - these are the difficulties that make it possible to identify those who really need it and provide material support to them, and not to some crooks.
By the way, a lot useful information you will find in the article Benefits for single mothers in 2018
According to the experience of some families that have already participated in the state program "Housing", the scheme of participation in the program "Young Family" -2018 is as follows:
There may also be a situation where the chosen housing is more expensive than the amount of the subsidy. In this case, the family must pay the missing part on their own.
If a calendar year has passed since the date of registration, you must re-confirm your desire to participate in this state program - you may have to re-submit a package of documents.
Important! Preference is given to young families with many children - they are given a subsidy for improving their living conditions in the first place.
If the family was already in the queue for housing before (for example, in the USSR there were such programs and after the collapse of the "Union" they continued to operate), then the date of registration can be changed to an earlier one and the family can automatically get into the first rows to receive money from the state.
To participate in the state housing improvement program, you will have to work hard - the list of necessary documents must be collected very impressive. Documents must be submitted to a special department under the local administration. It can be called differently, but most often it is a department for registering needy and / or low-income citizens in the housing relations department of your locality, city, district or council.
The full package of the documents described above is submitted to the housing department of the mayor's office or the local administration, after which the young family must be recognized as needy and put on the waiting list.
After the queue comes up, and the state money is allocated in the required amount, you will need to submit another list of documents to receive housing certificate under the state program "Young Family":
Documents are handed over in order to confirm the solvency of a young family before the authorities in case it decides to purchase more expensive housing than it should be under the state program.
In some regions, from January 1, 2018, the deadlines for accepting applications from citizens to participate in the program are changing state support"Young Family" -2018:
To participate in the state program and receive funds from 2019, you need to have time to collect all the documents and submit applications before May 20, 2018.
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Welcome to website. Most Russians are puzzled by the housing issue. Real buying opportunity new apartment is to borrow money. But the conditions offered by banks may not suit every family, especially a young one.
Especially for citizens of preferential categories, banks, together with the government, created a large number of various programs. As a result, families can apply for a loan to purchase or build a home on preferential terms. But not everyone knows how to get help for a young family from the state and acquire the cherished square meters.
Who is considered a young family refers to a rhetorical question. Since some consider themselves young at 40, and for some, 30 years is becoming a mature age.
But on legislative level this term is unambiguously defined. A young family is considered to be a complete or incomplete family in which at least one child is brought up, and the parents are under the age of 35 years. These families also include single mothers who are raising children without a father.
After a demographic hole occurred in the 1990s, today there is an increase in the birth rate. Recently, a certain trend can be observed, as the number of older people significantly exceeds the number of young citizens. In other words, there will be more pensioners than young people for a long time to come.
But in order for the elderly part of the population to have someone to feed and protect, at the beginning of the 21st century, a program was created to help a young family, which provides assistance in acquiring residential facilities.
Since the state is closely monitoring the demographic situation in the country, certain subsidies have been created for young families. A subsidy is a gratuitous state aid in the form of financial resources or material values that are allocated to needy citizens.
Today, it is becoming more and more difficult to give birth and raise children, as the prices for the necessary products are rising, and there are layoffs at enterprises, but the high cost of apartments in cities has no small effect.
Most families prefer to live in a big city, as in small towns big problems with employment. And if there is no permanent income, then the family will not be able to pay for housing and communal services, food, clothes, kindergartens and schools. As a result, young people leave for the cities and only after that start families and give birth to children.
As a result, it turns out that the main problem of a young family is the lack of affordable living space. Someone lives in small rooms or in a hostel, someone rents apartments. But it still turns out that a family of three has to live on an area of 25 square meters. In accordance with social norms, this is not enough for a full living.
To solve this problem, the state has developed several special programs:
Each of these programs is aimed directly at improving the living conditions of families with children.
Each young family that has recently been created, more than others, needs to purchase their own housing. Few people will be able to collect the required amount to purchase an apartment or a private house. Both at the federal level and at the regional level, this issue is subject to special attention. In accordance with regulatory and legislative acts, the preferences provided for the purchase or construction of housing depend on the region and its capabilities.
The most demanded is the program "Young family". The newlyweds were able to use the offers of this program for the first time back in 2011. After four years of the program, a decision was made to extend the program. At the moment, it is known that families will be able to take advantage of preferential mortgages on terms that were adopted earlier, but were subject to minor changes.
Assistance in purchasing housing for young families is also provided at the regional level. The only difference between such programs is the place of allocation of funds, they are allocated from regional budgets.
Depending on how the regional budget is filled, the conditions for the allocation of subsidies may change, as a result, new cells of society can save significantly. But you can only participate in the regional program or only in federal grants, simultaneous participation in several programs is not allowed.
Also, for their part, banks provide loans for the purchase of housing on special conditions. For example, Sberbank offers to take out a mortgage at only 8.6% per annum, and the loan repayment period can increase up to 30 years. Some lenders may offer Special offers together with developers, and the purchase of residential premises in a house under construction can take place at a significant discount. If state assistance to young families is added to such proposals, then the purchase of housing becomes more affordable.
In 2018, all programs regarding housing for young families underwent some changes. In accordance with the government decree, such programs as "Housing 2015-2020" and "Improving the sustainability of residential buildings, basic facilities and life support systems in the seismic regions of the Russian Federation from 2009 to 2018" will be terminated ahead of schedule. But instead of these programs, others were developed, which are also aimed at improving the living conditions of young families.
These programs were combined into one "Providing affordable and comfortable housing and utilities for citizens of the Russian Federation." January 1, 2018 this program began to be provided on special terms.
There are several main parameters that relate to the Young Family program - these are:
There are certain tasks that are assigned to this program:
There is a specific list of cities that provide assistance to a young family from the state in 2018:
The assistance provided to large families to pay off their mortgage debt to the bank is not able to cover all the costs that are directed to the purchase of living space. The amount of the subsidy is influenced by several important factors which are directly related to the family itself and the number of children brought up in it. In accordance with the rules, which have been extended until the end of 2021, the state provides the following amounts of subsidies:
To determine the exact maximum amount, it is necessary to take into account the footage, which is necessary in each individual case. There is no single approach in this case, since the regional authorities determine these norms independently. That is, in Moscow this figure is 10 square meters per person, and in Omsk and Tyumen it is 15 square meters. But it is worth knowing that even in one region, this value may differ by settlements.
To understand the counting system, you can look at one example. Two spouses who have one child are eligible for a subsidy of 35% of the total cost of housing. In the city in which they live, the norm for square meters is set at 15 square meters per person. As a result, they can buy an apartment of 45 square meters. The average cost of one square meter is 30,000 rubles. To purchase their own apartment, they will need to spend 1,350,000 rubles, of which 35% is subsidized by the state, that is, state aid will be sent from the budget to young families in the amount of 472,500 rubles.
State assistance to a young family in purchasing housing in 2020 is a special series of events that enable citizens who have recently entered into an official marriage to resolve the issue of buying an apartment or building their own house. Mortgage, which is provided to young families in 2020, supports citizens who are officially recognized as in need of improved housing conditions in accordance with housing code, as well as the conditions of the program itself. These citizens include:
Citizens who are only planning to purchase real estate, as well as those who have issued a mortgage loan and meet the conditions of the program, can count on help. Then they have the right to use the subsidy in relation to the repayment of the mortgage debt or to pay off the interest on the loan with its help.
In accordance with the rules for granting a subsidy, the amount of payment is set at the time of the formation of the lists of those in need and does not change during the entire time.
Confirmation of the right to receive payment is confirmed by a personal certificate, which does not apply to securities. Validity this document is limited and is 7 months from the date of receipt of it in hand, that is, the date indicated in it. Implements federal program on mortgage lending a special agency that works with mortgage lending, they are in all regions of the country.
At the regional level, this assistance is provided by the administration, it is she who keeps records of the lists of families in need and controls the process of fulfilling all the conditions of the program.
Social mortgage is aimed at helping to improve living conditions. A young family has the right to purchase an already finished object or to build a new house. Program participants also have the right to additional use of maternity capital, and if their own funds are not enough, then to attract mortgage loans.
It will not be possible to use the received subsidy to pay off fines or commissions that appeared at the time of non-fulfillment of the loan terms of the agreement. A family can only participate in the program once in a lifetime.
The main goal of this program is to provide state support in the acquisition of housing to families with and without children. But at the same time, the state is trying to solve other quite important issues - these are:
In accordance with the conditions, the main tasks set for 2020 are:
To take part in the program or not, the spouses decide on their own, since it is provided on a voluntary basis. In accordance with the participation rules, the budget is formed from several sources:
In accordance with the plans of the government of the country, about 340 billion rubles will be allocated from the federal budget for the implementation of this program from 2015 to 2021. This amount will help solve the problems with the living space of more than 150,000 families who are registered as needy. This amount consists of the following financial allocations:
You can use financial assistance for young families in 2020 in the following areas:
Unfortunately, not all interested families can take part in this program. New family should be listed as in need of housing. There are also restrictions on the age of applicants. The age of each of the spouses, or the person who independently raises the child, cannot be more than 35 years old. If one of the spouses has already passed this milestone at the age of 35, then the family will not be able to take part in this program.
There are also a number of additional requirements, which are influenced by the following factors:
Mortgage assistance is provided to young families for the purchase or construction of their own housing, if the family meets certain conditions:
Not every family has the opportunity to collect the amount necessary to buy a home or build. That is why families begin to look for additional sources of borrowing. But the family can apply for a mortgage loan in commercial bank. In accordance with the information posted on the official websites of banks, the borrower must meet the following conditions:
You also need to know how to get a mortgage for a young family. This requires going through several steps:
There is a certain scheme for participation in this program in 2020:
If the cost of the purchased housing is higher than the subsidy issued, then the family will need to pay the difference on their own.
If 12 months have passed since registration, the family will need to confirm their desire to continue participating in the program, and for this, they are going to required package documents again.
If the family does not have any difficulties with obtaining a mortgage loan, then in order to participate in the program for providing housing for young families, you will need to follow a certain algorithm.
To get help for a young family to build a house or buy an apartment, you need to collect a voluminous package of documents, these include:
This package of documents must be submitted to the housing department in the regional administration, only after that the family will be recognized as needy and put in a queue.
After the turn of the family comes up and funds are allocated from the budget, you will need to collect another package of documents:
The submission of documents is carried out in order to confirm the solvency of the family, if it decides to purchase real estate worth more than the subsidy issued.
