Money to buy an apartment for a young family can be obtained from the state if you use a special federal program. The main condition is to meet the requirements, the most important of which is that either spouse must be under 35 years old. At present, the main provisions of the program, including the latest amendments, are set out in Government Decree No. 889 dated August 25, 2015.
The difficulty in this case is not even in the documents, the collection of which has to be dealt with ahead of time. For each subject of the federation, allocation limits are approved annually budget funds for the implementation of the program. If the number of applicants is higher than the established limit, then priority will be given to those who have been registered for longer, as well as to large families.
It is possible to receive a subsidy for the purchase of housing for young families with the passage of a number of mandatory procedures. You should start them only after making sure that the requirements for participants are true. If both spouses are already over 35 years old, then they will no longer be able to use the state subsidy.
After the family submits an application and registers as a participant federal program she is issued a certificate. This document confirms the right to receive social benefits and is valid for 7 months from the date of its issue. The certificates are issued by the same municipal authorities that sign the decision to register the family in the program.
The certificate cannot be used in any other way than to hand it over to the bank that will service the sale and purchase transaction. The list of accredited banks is also presented by the local government. A current account is opened in the name of any of the family members, through which the amount of the subsidy will be transferred first from regional budget and then to the seller's account in payment of the price of housing.
It is not possible to receive cash grants. The mechanism described above is implemented in the same way in all regions without exception. At the same time, a single family has the right to exercise its right to funds from state budget only 1 time.
Families can be both complete and incomplete (with 1 parent and a child / children), and with children, and without, as well as those in which one of the spouses is a foreigner. But there are mandatory requirements, namely:
In other words, the family repays part of the cost of the purchased housing with a subsidy, and pays the rest with their own money or a mortgage loan. If we are talking specifically about mortgages, then you need to start by entering the family in need of housing in the register (the grounds are set out in Article 51 of the LC RF), then apply for a mortgage loan, and only after that apply for participation in the federal program.
Priority is given to those families who were registered as needing housing before 03/01/2005, as well as those with 3 or more children.
The conditions of the federal program strictly regulate the purposes for which the budget money provided to a young family can be spent. This list includes:
The local self-government body supervises the fulfillment of the requirements of the program. If it is revealed that the money was spent for other purposes, then the family will be obliged to return all the funds back.
The amount is assigned in proportion to the composition of the family. The rules are as follows:
When either spouse is a foreigner, only those who are citizens of the Russian Federation are taken into account. In other words, the calculation is performed as for an incomplete family.
The housing area used to calculate the subsidy is determined according to the rule:
Czh \u003d N x Pzh,
The normative value can be clarified in the municipality, and the regional value is given in the Order of the Ministry of Construction and Housing and Communal Services 1691 / pr dated December 20, 2017. For example, for the Moscow Region H = 54479 rubles. per 1 sq.m.
A family of two buys an apartment with a standard area of 42 sq.m. According to the terms of the program, the subsidy is 30% of the cost of housing (Zh). The apartment is located in the Moscow region.
Then Czh \u003d 42 x 54479 \u003d 2288118 (rubles).
The subsidy will be 2288118 x 0.3 = 686435.4 (rubles).
The calculation of the amount of the subsidy is carried out simultaneously with the issuance of a certificate of entitlement to receive it, and fits into it. Thereafter, the amount does not change.
You need to contact the municipality where you live. Together with the application in 2 copies for participation in the federal program (1 copy with a mark of acceptance remains with the applicant) are submitted:
The term for making a decision on the application accepted for consideration is not long - 10 days. The municipality then has 5 days to communicate the decision to the family in writing.
Getting rejected for an application is unpleasant, but do not give up. The reasons for refusal, which may be guided by the municipality, are set out in the conditions of the program. These include:
If the refusal of the municipality contains another reason, it can be challenged. If the reason can be eliminated, then you can again try to submit an application, taking into account all the comments.
Lists of participants for the next year are formed before September 1. All whose applications have been submitted up to this time and approved will be included in the next year's list. If the deadline is missed, then it will be possible to apply only after the New Year, when the municipality starts work.
The executive authority of the subject of the federation accepts the generated lists of families for consideration. 10 days are given to notify municipalities about the limits allocated for the payment of subsidies. On whether the applicant family was included in the list for receiving a subsidy in this year it is notified by the municipality (within 5 days after receiving notification of the approved limits).
After that, certificates of eligibility for subsidies are issued. The program has a 30-day period for this. The family is notified that it is necessary to submit an application and documents to it. The received certificate is submitted to the bank (the period is 1 month after registration, otherwise the bank will not accept the certificate). Further, the bank forms a request and sends it through the official channel to the municipality for the transfer of funds.
Money can be spent, but only as permitted by the terms of the federal program. At the same time, the details of the certificate for the state subsidy are certainly listed in the contract certifying the fact of the transaction. The family deposits their money, delivers a document proving the fact of the transaction to the bank branch. After checking all the information, the bank asks the municipality to receive a subsidy, which it then transfers from the family's account to the second party to the transaction (only 5 days are allotted for this from the date the money was credited to the account).
The program is allowed to buy housing only within the subject in the municipality of which the subsidy was issued. In other words, you cannot use the subsidy to buy the property you like in another city.
Acquired (built) housing must be registered for all family members. This also applies to minor children. Everyone becomes a co-owner, which is confirmed by an extract from the USRR, as well as a document confirming the transaction.
If, for some reason, a family received a certificate, but did not use it for its intended purpose, it does not lose the right to use the subsidy. A certificate of account closure is submitted to the municipality. And then the whole procedure will have to go through from the very beginning.
Artemy Tsarev
12057
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For every young family, sooner or later, there comes a moment when you need to boldly face the terrifying "housing problem" and tackle it. At 20 years old, buying your own home seems like an unattainable dream, but the sooner you pull yourself together and start striving for it, the sooner it will come true. In this article, we will give advice on how to buy an apartment for a young family, and how to get on the waiting list for an apartment.
We list the available legal ways, for a young family with an average income: how to get in line to buy an apartment.
The easiest and fastest way for a young couple to get their own living space - the help of parents and inheritance, unfortunately, is not available to everyone. Even if your parents are not able to present you with a new home, living with them or a little financial support will be a very tangible help in purchasing your apartment.
A simple and popular way, it seems to many newlyweds the only way to buy an apartment, but how does it look in practice?
Problem mortgage lending for the borrower is simple - the apartments are very expensive. Apartments are so expensive that payments for them stretch for decades, and the annual percentage, even a small 10%, turns into large overpayments.
Let's take as an example the registration of a mortgage for a studio apartment (average area - 25 sq.m) Calculations are approximate.
Bottom line: monthly payment - 12 thousand rubles, total overpayment - 50% of the cost of housing.
Even in such an ideal system with a small percentage and a modest amount, the overpayment is significant, if you estimate more real numbers, the picture looks something like this:
Average apartment in a big city
Outcome: monthly payment 27 thousand rubles, overpayment - 112% of total cost, in total you have to pay 5,300,300 rubles. Not the best prices for a young family.
Fortunately, there is a good help - the Young Family program. If you fall under this program in all respects, the state will help pay mortgage percent by 30 (in some cases up to 35%).
Conditions in different regions may vary slightly, but they are basically the same. In order to get on the waiting list for an apartment for a young family, you need to follow the conditions:
If you provide all the relevant certificates, you will receive a response within 10 days, if you are denied due to insufficient income, you can apply again in the same year
For young childless families, there is another little "life hack" that is not suitable for everyone, but can make interest payments 20-30 easier. Rent an inexpensive room in a communal apartment, hostel, from the owner or an apartment in half with the same couple, and rent out your own, bought on credit. This method is also good because, for example, you can save on repairs, make an apartment habitable at no extra cost.
This method is really good when it is possible to live calmly and without any hesitation with parents or other relatives. To live, work without much spending and slowly save up for your own housing is an ideal opportunity, alas, rarely available.
Combining savings with rental housing is more expensive, but with the right and economical approach, this option is more profitable than a mortgage.
Again, simple calculations:
Target: accumulate 1 million rubles.
Initial amount: 100 thousand rubles.
Deposit With annual rate at 10 o'clock%.
Term- 5 years.
Monthly top-ups- 12 thousand rubles.
Outcome: the same million rubles, for five, not ten years of payments with a smaller initial contribution.
The downside of this method is inflation, which in the same five years can tear off a decent chunk of your savings, so saving money "under the mattress" does not make sense, only good deposit in the bank.
If we need a larger amount:
Target: accumulate 2.5 million rubles.
Initial amount: 200 thousand rubles.
Deposit with an annual rate of 8%.
Term- 7 years.
Monthly top-ups- 21 thousand rubles.
Outcome: the same two and a half million rubles, twice as fast, with a smaller monthly payment and without overpayments.
When doing your own calculations, include in rent and utilities for the housing you rent, to be sure of the profitability of your decision.
This method is more promising and profitable than a mortgage, but requires a competent approach and stability of the financial market.
Life annuity and dependent maintenance is a very ambiguous and legally difficult option.
A life annuity contract is concluded with elderly people who have no one to take care of. According to this agreement, the pensioner is paid an initial amount of approximately one third of the cost of his housing, then fixed monthly payments (at least two living wages) in exchange for housing. The term of the contract is limited to the life of an elderly person, that is, in practice, lifelong provision of a poor pensioner comes out in exchange for his living space. Usually, the recipient of the rent continues to live in his house, but, by agreement and provision of another housing, he can move.
An agreement that includes maintenance with a dependent is preferable for the homeowner, but not very convenient for the rent payer, since it requires direct care and provision of the pensioner with everything necessary. The difficulty lies in the fact that it is quite difficult to agree on specific services and the provision of human needs. Also, the difficulty is the proof that the obligations of the payer have been fulfilled, if suddenly there are problems with the termination of the contract and litigation. The problem with this deal is to protect both parties.
The payer becomes the full owner only after the death of the recipient of the rent, therefore it is impossible to sell, rent, move into the premises without a special agreement with the landlord.
Communicate in advance with those who know the person with whom you are going to conclude an agreement - neighbors, acquaintances, a local postman, and so on. Find out if there are any relatives applying for this apartment, and if there will be any problems with them.
Conclusion
Acquisition of housing is a laborious, but quite real task. The main thing that is required from a young family to achieve this goal is competent planning and hard work. Analyze, count, ask your friends and relatives for advice and put maximum effort into your future, then you will succeed.
The Constitution of our country provides for the right to housing. The state, fulfilling this obligation, provides free housing to all those in need on a first-come, first-served basis. In addition, there are other ways to get an apartment. Unfortunately, it takes a very long time to wait for help from the state. Therefore, it is worth considering other ways to solve the problem. Each person chooses for himself: to stand in line for years or to independently reach the intended goal. So how to get free apartment in our time?
To receive from the state square meters a number of conditions must be met. These requirements are regulated by the housing code, which was adopted in our country in 2005. These include:
That is, citizens living in cramped housing conditions, having a small income, insufficient to purchase their own housing, can stand in line. It does not matter if the apartment is privatized or not. The priority parameter in this case will be the financial insolvency of citizens.
The new housing code has significantly reduced the number of people on the waiting list for free housing. But, despite this, there are still quite a lot of them.
It should be noted that those who have joined the queue for housing before the adoption of new amendments do not need to submit documents and prove the impossibility of acquiring new housing at the expense of personal Money. And how to get an apartment from the state for those who want to solve their problems? housing problems after 2005? They will have to prove that they belong to the low-income category. To do this, you will have to run around various government agencies and collect a fairly large amount of documents and certificates.
How to get an apartment from the state? According to the norms of housing law, in need of improvement of housing conditions are:
It should be noted that the level of provision with living space is calculated on the basis of all residential real estate.
How to get an apartment for young people, if you really need it? Are there any perks? In a new way housing code, free housing out of turn is allowed only to three categories of poor citizens:
How can a young family get an apartment? The first step is to achieve recognition of her poor. Next, get in line. achieve free receipt housing can be collected and submitted to the housing commission of the local authority required package documents:
This is a standard package of documents. More detailed information about what documents must be provided to certain categories of citizens, will be described below. It depends on the specific situation.
It will be necessary to confirm data on the financial situation of the family and the need for housing every year.
Families with many children are the most vulnerable category of citizens in our country. The state is trying in every possible way to improve their financial and housing situation. Apart from maternity capital it offers assistance in a different form: a large family can be allocated a land plot free of charge. Its size is set in each region separately. Unfortunately, for a number of reasons, this assistance is not provided in all subjects of the federation. In St. Petersburg and Moscow, such a law has not yet been adopted.
How to get a free apartment? AHML offered new way ensure large families housing. Through the construction of profitable houses. It is proposed to merge land several large families, create housing cooperatives and, with the involvement of credit money build apartment house. Each family involved in the construction should receive housing for free, and rent out the rest of the apartments, the money for which will be spent on repaying the loan.
Not everyone knows how to get a free apartment from the state for single mothers. They have certain benefits. Housing can be obtained by those who belong to the poor, do not have their own square meters, or need to improve their living conditions.
To implement their rights, citizens must submit an application and a package of documents to the relevant authorities.
Features of obtaining an apartment:
It is worth noting that single mothers include women who have given birth to a child without being married. In the birth certificate of the child, information about the father must either be absent or be recorded from the words of the mother. After registration of marriage and adoption or adoption of a child by her husband, a woman does not lose her status.
Orphans and children left without parental care, who do not have any property, have the right to receive free housing from the state. Each region determines its requirements for the documents provided. This property is purchased at the expense of the federal budget.
How to get a free apartment? You must provide the following certificates and documents:
In this case, it is necessary to write two statements: to the guardianship authorities and to the local government. They are served until the age of 23. Otherwise, the right to receive free housing is lost.
After consideration of the application, the queue for obtaining square meters is determined. The decision is issued in writing. In the course of distribution, this category receives apartments in the first place. Or they are reimbursed for the cost of the acquired housing. The amount of compensation depends on the assumed square meters. An apartment received from the state is issued free of charge under a social tenancy agreement.
surrendering everything Required documents, in the near future, a young family will be able to become the owner of a socially rented apartment. What is it, and what rights will it have? Under this agreement, citizens are provided with housing from the state and municipal funds. So it's supposed to be:
Until housing becomes the property of the family, according to the code of our country, the following transactions are not allowed with it:
Since it is almost impossible for a young family to get an apartment from the state (the waiting period is 10 years at best), it is worth talking about other possibilities.
Ways to get an apartment:
