Implementation of the "Young Family" program in Nizhny Novgorod and Nizhny Novgorod region shows an annual increase in the number of young families wishing to receive state support in solving the housing problem. During the implementation of the subprogram "Providing housing for young families" of the federal target program "Housing" for 2002 - 2010, approved by the Government Russian Federation dated September 17, 2001, No. 675, in the territory of the Nizhny Novgorod region, 2012 young families received certificates of the right to receive social benefits for the purchase or construction of residential premises, of which 1,710 young non-Zhegorod families improved their living conditions.
Currently, the "Young Family" program in the Nizhny Novgorod region is carried out in accordance with subprogram 2 "Providing housing for young families in the Nizhny Novgorod region" of the state program "Providing the population of the Nizhny Novgorod region with affordable and comfortable housing", approved by the Decree of the Government of the Nizhny Novgorod region dated April 30, 2014 N 302 .
A participant in the program can be a young family, including an incomplete one, consisting of 1 young parent and 1 or more children, all members of which have permanent place residence in one of municipalities on the territory of the Nizhny Novgorod region, corresponding to the following conditions:
Social payment is provided to a young family in the amount of:
Social payment can be used by a young family for:
The local self-government body generates lists of young families participating in the Subprogram in chronological order based on:
Other things being equal, the decisive factor for determining the order in which a young family is included in the list of young families participating in the Subprogramme is:
When a child is born (adopted), a young family participating in the Subprogram is provided with an additional social payment at the expense of the regional and local budgets to pay off part of the costs associated with the acquisition of residential premises (the creation of an object of individual housing construction).
Additional payment is provided in the amount of:
In our country, the program “Housing for the Russian family” has been adopted. The purpose of this legislative act is to help people improve their living conditions.
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The operation of the program is regulated by the Regional Legislative Acts.
Several projects have been launched in Russia aimed at solving existing problems in the housing sector.
Planned and operating federal-scale programs, regional procedures, at the level of municipalities and even individual corporations.
Combining all undertakings into one big state project, the highest social structures were able to productively direct the work, received tactical developments for the targeted use of budget money.
Material support from the state is carried out in the form of one-time financial receipts addressed to the initial construction work.
The allowance is 10% of the building amount. For families raising three or more young children, the allowance is 15% of the cost of housing.
It is allowed to purchase housing on preferential grounds only once.
During the construction of a house for many separate apartments, contracts are concluded with potential residents to contribute their financial share in the construction of this building.
The purchase of an apartment can be made by concluding an agreement with the owner six months after the settlement.
The Ministry of Social Protection quarterly notifies the population about the current cost of a unit of economy class living space in the Nizhny Novgorod Region.
A special credit line "Social Mortgage" has been opened for persons participating in the "Housing" project.
The purpose of this event is to provide finance for a specific purpose, that is, to purchase an apartment in a new building.
Get mortgage possible under the following conditions:
The application is submitted to the bank at the address of the purchased apartment.
Social mortgage is designed to help solve the housing problems of socially unprotected citizens, families in which one of the parents is less than 30 years old and included in the waiting lists for living conditions.
In the consolidated register of participants housing program as of January 1, 2019, there were 5411 families. Social structures consider 27 socially significant categories.
The program "Housing" contains subprograms - "House" through the Agency for Housing Mortgage Lending (AHML), "Apartment" through the same line.
Within the framework of the sub-program "House" it is possible to buy housing in the sector built by the agency.
The owner from Nizhny Novgorod has the right to conclude a sale agreement within six months of living in the house.
It is envisaged to include in the amount of the mortgage the amount spent on the arrangement of a personal plot. The mortgage agency provides the client with a long-term loan, the house is exhibited as.
The regional administration has the right to decide on the amount of debt. The debtor can choose the method of paying the debt from 2 options.
In the form of a fixed interest rate or with a gradual reduction in the size of the rate. In the course of the activities of the subprograms, many citizens managed to solve housing issues.The social program "Apartment" is based on the investment of own capital as a shareholder.
Mortgage lending provides for long-term use of finances, the acquired property becomes collateral according to loan obligations.
The lending institution determines the amount of the loan to the borrower after the application is submitted. The method of repayment and the interest rate is determined by the borrower.
After the government made some amendments to loan documents Buying real estate has become easier.
Therefore, the regions can properly allocate budget financial resources. This is expressed in the provision of housing for highly specialized professions (teachers, doctors, engineers).
You can become a member after providing certain documents:
Construction companies are not only engaged in the construction of buildings, they expand the scope of influence, improve courtyard areas.
Residential properties are quickly put into operation. Projects have been thought out for the placement of schools, preschool institutions, sports grounds.
It is planned to build a modern residential complex in one of the districts of the region by 2020. The affordability of acquiring apartments, the quality of finishing of buildings pleases residents.
The strategic development plan for the current year provides for an increase of 1,300 thousand square meters. meters of living space. No slowdown is observed; last year's plan was fulfilled by more than 100%.
A significant role in this belongs to reasonably conducted measures to free from the influence of unauthorized persons and prepare construction sites, auction companies and many other socially significant projects.
In the first six months of 2019, in lending, there has been a decrease in the percentage of amounts paid by the population to banks to the amount of the loan taken.
The change was made possible by a real increase in the average nominal wage.
It was originally planned to carry out a significant plan on the territory of Russia in three year term starting from 2014 to 2019.
But practice has shown the need to extend the project activities for the construction of economical housing buildings until the end of 2019.
Video: how to get housing or the Young Family program
Attention!
The issue of buying a home for a young family is always a priority - after all, replenishment of the family is just around the corner, and we ourselves want space. That's just the prices in the housing market every year bite more and more. Often the only way out is to become a member of a housing program designed for a young family. "Komsomolskaya Pravda" collected all possible options available for youth in the Nizhny Novgorod region.
Program "Young family"
To become a member, each spouse must be no more than 35 years old. Or, if we are talking about an incomplete family with children, then one of the parents. At the same time, you need to have an income sufficient to pay the cost of housing in excess of the social payment, and be in need of better housing conditions. To do this, each family member should have less than 18 square meters.
A childless young couple under this program is entitled to 30% of the estimated cost of housing, and spouses with children - 35%. This money can be used to buy an apartment, to build own house to pay the down payment on the mortgage.
By the way, when a child appears in the family, participants in this program are entitled to additional payments A: 5% of the cost of housing - if this is the first baby and 10% - if this is the second and subsequent children.
In the Nizhny Novgorod region, this is a fairly popular program, the regional Ministry of Social Policy assures. – In 2016, 95 young families were able to improve their living conditions with its help.
To become a member of the program, you need to contact the local government.
Maternal capital
This year the amount maternity capital, as in the past, will amount to 453,026 rubles. By law, you can receive this payment for the birth or adoption of a second and subsequent children.
The money received can be used to buy an apartment or house, share in the construction of a new building, the construction or reconstruction of a private house. True, all this can be done only after 3 years from the moment the baby is born. The only exception is the repayment of obligations on housing loans, including mortgages. You can spend maternity capital on them as soon as you leave the maternity hospital.
Along with the federal, regional maternity capital is also paid in the Nizhny Novgorod region. Of course, it is much more modest - only 25 thousand rubles for the birth or adoption of a second child and 100 thousand for the appearance of a third child. Like the state payment, it can be spent on improving housing conditions: the purchase or construction of housing, the reconstruction of a private house or the repayment of a mortgage.
To obtain a certificate for maternity capital, you need to contact the branch pension fund at the place of registration of real residence.
"Housing for the Russian family"
For 1 square meter program participants will have to pay only 35 thousand rubles. And this despite the fact that the average price of a square in the Nizhny Novgorod region has long exceeded 65 thousand.
True, it will not work to buy an apartment at such a price in any area convenient for you. Only two residential complexes are intended for program participants - in the Novinki village of the Bogorodsky district and on Korablestroiteley Avenue in Sormov.
- Applications are no longer accepted for Shipbuilders Avenue - there is too much demand, - they explain in the regional Ministry of Social Policy.
This program is indeed wildly popular in the Nizhny Novgorod region. As of February 1, 2017, 5,546 families have already become its participants, 920 of which belong to the category of young families. That's where the queue is!
Delivery of housing under this program in the village of Novinki is planned from the second quarter of 2017, the Ministry of Social Policy warns. – 327 young families within the framework of this program have already concluded agreements for participation in shared construction housing.
To get into the register of participants, you need to contact the municipality and hand over all Required documents- an application, a certificate of registration at the place of residence and documents confirming the right to participate in the program. After that, you can choose an apartment and take a mortgage.
Commercial offers
Banks also have special promotions for young families. For example, Sberbank offers them loans at 11.25% per annum for up to 30 years. In this case, the initial payment is from 20%. A loan can be issued even without proof of income and employment. In addition, owners of maternity capital can take out a mortgage here for both new buildings and secondary housing. Especially for this, the bank operates the programs "Acquisition of housing under construction" and "Acquisition of finished housing - a single rate". Rates here range from 10.9% to 11.25%.
AT Rosselkhozbank under the Housing Mortgage Lending program for young families, there are preferential terms lending. In particular, interest rates here range from 10.5% to 14.5%. The bank does not charge a commission for issuing a loan, and if necessary, a young family can take advantage of a deferment in paying the principal debt to the bank - when building a house for three whole years. Also, a deferment can be granted at the birth of a child and up to the age of three years.
At Gazprombank, mortgages are designed mainly not for young families, but for young employees of strategic clients and budget organizations. They can get a mortgage here even for secondary housing. Interest rates vary from 11.95% to 12.75%. At the same time, you can get a fairly large loan amount - up to 45 million rubles - without the involvement of guarantors and co-borrowers. True, you will have to take care of the documents - you need to submit a copy of the work book and a document confirming income to the bank. Marriage certificate, birth certificate of children will also be desirable.
The program starts on June 1, 2016 and runs through August 31, 2016 inclusive.
The program includes the following apartments in building No. 2 of the Krasnaya Polyana Residential Complex:
one-room apartments with an area of 42 sq.m.;
two-room apartments with an area of 53.5 sq.m. with access to the Kazan highway;
two-room apartments with an area of 55 sq.m.;
three-room apartments with an area of 87 sq.m.
The program provides for the provision special conditions shopping for all families.
Apartments can be purchased with a mortgage (or installment plan) or for cash. At the same time pThe procedure for granting a discount is determined as follows:
| Family category | Discount in June | Discount in July | Discount in August | |||
| Mortgage / installment plan | cash | Mortgage / installment plan | cash | Mortgage / installment plan | cash | |
| Family without children | 5% | 6% | 4% | 5% | 3% | 4% |
| Family with 1 child | 7% | 8% | 6% | 7% | 5% | 6% |
| Family with 2 children | 9% | 10% | 7% | 8% | 6% | 7% |
| Family with 3 or more children | - | - | 8% | 10% | - | - |
Solution housing problems falls on the shoulders of many Russians, and newly formed family unions are a particularly vulnerable category in this situation. Few of the newlyweds manage to immediately acquire housing. In this case, the state has developed the Young Family 2019 program (Nizhny Novgorod Region).
Project goals:
The conditions under which support is provided in 2019 are as follows:
To take part in the coming year are eligible:
They will not be able to realize themselves as participants:
It is issued after the submission of all documents and overcoming several stages to achieve the goal, such as:
After making a purchase in municipal government it is necessary to provide a report with all agreements, receipts and other proving papers.
For getting financial assistance from the state for the purchase of housing, the committee is provided with:
If you are the owner of a dwelling, but for one reason or another it does not meet the conditions of residence, then you will need to provide evidence of this discrepancy with the standard set of documentation. Sometimes information is required on the absence of debts to the state for utility bills or taxes.
There was an increase in the amount of subsidies for young families and now it is:
Program "Young family" in the Nizhny Novgorod region 2019 conditions:
Each credit institution, when considering such categories for providing loans to them, puts forward its own rules. in the Nizhny Novgorod region 2019 (Sberbank conditions):
The region is also famous for other projects. Programs for young families in 2019 in the Nizhny Novgorod region:
The priority is formed by the authorized committee, based on the following positions:
