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 terms. 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.
Already by July 1, 2017, 25 million square meters of housing, which are located in 67 subjects of the federation, will be ready for delivery.
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) does 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!
Housing subsidies for young families in 2019 - this problem housing Russian citizens remains relevant to this day.
It is especially acute among newlyweds. Young families do not always have the opportunity to buy their own square meters.
The reason for this is unaffordable prices on the real estate market, high interest rates on a mortgage, insufficient personal finance to purchase.
To support young families in the housing issue, the Russian government has adopted a federal real estate assistance program, calculated until 2020.
The program "Young Family 2018" implies the issuance of subsidies to spouses to improve their living conditions. The duration of the program was supposed to be from 2011 to 2016, but by decree of D. Medvedev it was extended until 2020.
The purpose of the program is to help low-income citizens through state subsidies for the purchase of housing.
There are also a number of features:
What are the purposes for which government funds are spent?
For getting housing subsidy 2018, the state must meet certain requirements for participants:
Conditions for applying for a grant:
The program management outlined the list of documents required to apply for a grant in 2019.
Despite the extensive list, collecting documentation does not take much time. Some regions may require additional certificates, the need for which should be clarified with the administration at the place of registration.
List of documents:
A response is expected within 10-15 days.
The exact amount of the subsidy in 2019 is calculated for each case separately. There is no clear amount of financial assistance, it is determined depending on:
The principle of calculating the subsidy to families:
The average cost of purchased real estate is calculated in each region, based on the standard price per 1 m² adopted by the local authorities and the total square footage of the premises:
In order to receive a subsidy for a mortgage or the purchase of an apartment, you must register with the state preferential program. To do this, you need to write a statement from each participant in two copies and collect a package of documents.
To receive a subsidy in 2019, you need to contact the local department of the real estate department or the administration of your locality at the place of registration. Documents are considered by a special commission for up to two weeks, after which the answer comes by registered mail.
With a positive decision of the commission, a certificate is issued for a subsidy to a young family for the purchase of living space. The certificate is valid for two months. During this time, applicants must submit it to a bank or other real estate sales structure.
Be sure to open a current account where financial assistance from the state will be received.
Lists of approved applications are sent to Rosstroy, from where they are transferred to the regions to calculate the volume of construction.
Before you start collecting documentation, it is important to weigh all the pros and cons.
Flaws:
Advantages:
Thanks to federal program financial assistance The "Young Family", which has been successfully developing since 2011, millions of Russian citizens have improved their housing situation.
Subsidies for the purchase of own real estate are valid in all regions of the country. Total of state budget more than 75 billion rubles were allocated.
Video: How to get housing or the Young Family program:
It is no secret that the housing issue is acute for most young people. Russian families. To help citizens acquire their own real estate, the federal program "Housing" and the subprogram "Young Family" were created. The validity of the latter has been extended until 2020, but newlyweds and couples with children should hurry: the queue for the program participant certificate is growing every day!
The Young Family program has been extended until 2020
The objective of the program is to provide newlyweds and couples with children with real estate at a reduced price. To this end, housing built during the program is sold at a price below the market average (but not less than 80% of it). Initially, the marginal cost of 1 sq.m for program participants was 30 thousand rubles. Today, due to inflation, it has risen to 35 thousand.
Also, participants can count on the payment of state aid (no more than 30% of the price of the apartment). Large families receive higher subsidies. The rest of the costs are reimbursed from the personal savings of the participants or credit funds. Important point A: during the program, only apartments in new buildings can be purchased. The place of their construction, the project of the future building and the company performing the work are approved by the local authorities.
Despite all the shortcomings of the program, it remains a good chance to improve living conditions. "Young Family" was introduced in 2011. During its implementation, more than 30 thousand Russian families celebrated housewarming in their own apartments. By the end of the decade, it is planned to hand over the keys to new homes to another 170,000 participants.
The project has already helped solve the housing problem for more than 30,000 families! In 2017, there will be changes in the conditions of the Young Family, which it is useful for all future participants to know about.
Such changes caused a storm of indignation on the part of the program participants. The authorities assured that the innovations will only apply to families who have applied for a certificate since the beginning of 2015. It is possible that tough rules will be relaxed in the future, but there is no reliable information about such plans of the government yet.
Citizens of the Russian Federation who at the time of filing documents and compiling the list of beneficiaries were under 35 years old can apply for a certificate. Applicants are required to have an official place of work. The income level of all family members must be sufficient to open mortgage loan. Its minimum amount depends on the number of family members:
Since 2015, new rules apply for program participants Families of the following categories can become participants in the Young Family program:
Applicants need to confirm the need to improve their living conditions. It can be caused by such reasons:
If the family situation meets the requirements listed above, you should collect papers that will confirm your eligibility for the program. These include the following documents:
Lack of living space is a good reason to participate in the program! The package of documents must contain an application for participation in the program. It is compiled according to a standard template in two samples. In the text of the application, applicants must describe their difficulties with real estate and justify the need for assistance. After collecting all the papers, applicants need to contact the authorized body at the place of registration. As a rule, this is the real estate department of the city or district.
One copy of the application remains in the department along with the documents, and the second applicant takes it with him as confirmation. Each request is reviewed for 10 days. After this period, the applicant receives a letter informing him of the decision of the authorities. If the answer is yes, the family gets in line and receives a certificate of participation in the program. Within two months, it must be taken to the bank where the account will be opened, and proceed with the purchase of real estate.
The issue of acquiring housing is a hot topic for most Russian citizens. After all, not every “cell of society” has real estate and suitable living conditions. The state of the Russian Federation expressed a desire to help people in need in the housing issue. With the help of the federal housing program, young families in 2017 will be able to receive a certificate of participation, thanks to which they can get on the waiting list for the purchase of separate housing.
The following category of citizens can become participants of the federal program "Young Family 2017":
Young families are required to pass the age limit. The participants of the program are persons whose age has not exceeded the 35-year mark. Citizens living in dilapidated houses, buildings dangerous to life and health, also apply for the purchase of housing. A mandatory requirement of the housing program "Young Family" for 2015-2017 is the official marriage in the registry office.
Federal Assistance to Young Families 2017 puts forward the following new conditions, according to which citizens of the Russian Federation have the right to participate in the federal program:
Since this federal program has been operating on the territory of the Russian Federation relatively recently, many applicants for participation are wondering: what are the necessary documents and relevant papers that give the right to stand in line. The list of documents is extensive. However, it will take little time to collect the relevant papers. Allocate the following package of documents for participation in the program "Young Family 2017":
Be sure to consult with the administration before submitting documents. municipal district and check the list again. required documents. Each original is certified by a copy. The list of documents increases or decreases depending on the regional affiliation.
According to the federal program, the amount of material assistance from the state of the Russian Federation directly depends on the number of people in the family and children. Payment is made according to individual calculations, without an exact standard. Therefore, it is difficult to name the agreed amount of material assistance from the state.
However, the following calculation principles are distinguished:
If the city in which the family expects to live has a federal designation, then when purchasing housing, they assume a reduction in the interest rate on loans. In the Leningrad and Moscow regions, a family without children will receive 30% state support, in contrast to families with children who can count on 35% of the value of the property. The dates for the program "Young Family" are provided by the state until 2020. For 2017, the Government of the Russian Federation allocated almost one hundred billion rubles for the construction of new housing facilities to help families in need.
Aspiring to acquire their own housing, came into force in 2011.
Cells of society that want to establish a new nest or improve (expand) an existing one could become members. In 2015, the Young Family program was extended until 2020.
Information about the procedure and conditions for participation in housing program"Young Family" can be found in the following regulatory documents:
The above list cannot be called exhaustive, as it only describes the main mechanism for participation in the project.
The fundamental goal of the development, implementation and implementation state program"Young family" is to improve the demographic situation in the country.
In addition, it is planned to solving the following important tasks:
By the way, many commercial banks use the slogan of the program “Affordable Housing for Young Families” to attract additional clients. In order not to fall for the trick, you need to remember a significant difference: only in accordance with this program is a government subsidy for partial repayment of mortgage debt.
During the 5 years of the program's implementation, more than 170,000 families have acquired their own living space.
Wherein financial side of the issue until 2014 looked like this:
According to the terms of the program, amount of material support depends on whether there are children in the family and how much a square meter of living space costs in a particular area.
The final amount may vary, as support is given as a percentage:
If a couple, after joining the program, has a child, then they are also added 5% to material support. Other additional subsidies may be applied for by groups with many children. Depending on the demographic state, each region tries to help in the acquisition of their own housing.
Before applying for the program, you need to assess your degree of eligibility.
So, main conditions state support under the slogan “affordable housing for young families”:
In order for the local government not to refuse, it is necessary to confirm the financial viability, that is, to prove that the cell of the society has the material resources necessary for obtaining a mortgage loan and further repayment of borrowed funds.
The allocation of a state subsidy is not the most difficult procedure, the main thing is that potential participants meet the established requirements.
The Housing Department, which operates under the local administration, carefully reviews the submitted documents and evaluates the material side of the issue, because it is important not only to be able to get a mortgage loan from a credit institution and enlist the support of the state, but to repay the debt in the future. Until the family settles with the bank, the treasured square meters will never become their property.
So what budget size is optimal for acquiring real estate under the Young Family program:
Additional help allocated to families raising 3 or more children.
A married couple or a parent who is raising a child alone, who did not have time to cross the border in 35 years, have the right to become participants in the "Young Family" program.
When selecting a suitable property, you can use both primary and. The seller may act as individual as well as an officially registered organization.
At definition best option need to take into account:
In addition, you need to pay attention to the remoteness of the area, the availability of access roads and good roads, the proximity of factories, on which environmental cleanliness largely depends.
For information on how to get help from the state to buy a long-awaited home of your own, see the following video:
