Mortgage for a young family is a state program. “Young Family” program in the Moscow region. What is assistance to young families?

Mortgage conditions for a young family for 2016-2017 Good afternoon, young reader! I dedicate this post to you and your family.

That summer they celebrated my cousin's wedding and, as it goes without saying, they are now expecting a child.

Living in a rented apartment is not an option, and I don’t want to live with my parents either, so we settled on a mortgage.

It’s good that you didn’t rush, because there are special conditions for young families, including in our bank. He took on the role of helmsman and helped them get a subsidy for the purchase.

What is it and how is a mortgage issued to a young family in 2016-2017? Read on.

Mortgage for a young family in Russia A mortgage for a young family in Russia is practically the only opportunity to become the owner of their own home.

It is very difficult to save up to buy an apartment or build a house yourself.

The reasons for this are: high inflation, high cost of living (including housing), and the difficulty of finding a permanent job with high wages for a young specialist.

Few will doubt that taking out a mortgage for a young family is the same as signing an obligation to voluntarily work all your life for the benefit of the bank. Nevertheless, the majority of Russian young families decide to take this risky step.

Warning!

You should know that a mortgage loan for a young family can be obtained by becoming a participant in the state program to assist young families.

A mortgage under the “Young Family” program is an opportunity to receive a significant government (support) subsidy when purchasing a home.

In addition, you can take advantage of bank mortgage programs. Many banks have mortgage programs for young families. They certainly differ from each other, and also differ from the state subsidy program “Young Family”.

The main difference between the so-called bank assistance to young families and the federal program is that the state. help is free of charge.

The state provides a free subsidy for the purchase of housing if a family is recognized in the appropriate manner as in need of improved housing conditions.

Banking programs

Banks, in turn, do not “give” anything to their clients, but can offer one of the following profitable options:

reduced interest rate,
no down payment or minimum down payment,
possibility of deferring payment without imposing penalties,
preferential lending.

To join the mortgage program, a young family needs to do the following:

To receive a government subsidy:

obtain the status of a family in need of improved housing conditions;
join the “Young Family” program and receive a certificate confirming your right to subsidize;
contact the branch of the OJSC Agency for Housing Mortgage Lending, which was created by the Government of the Russian Federation specifically to implement subprograms to improve the living conditions of young families in need.

To participate in banking programs, you need to contact the bank for clarification regarding the conditions of the relevant programs, then select the program you like and sign a loan.

Conditions for taking out a mortgage Each bank offers its own conditions for the Young Family mortgage program.

However, several universal ones can be distinguished.

The general conditions for obtaining a mortgage for a young family are as follows:

age limit;
the need to pay a down payment (it is usually calculated as a percentage of the cost of housing and ranges from 10%);
Having a stable income and a permanent place of work.

Additional conditions for receiving government subsidies include:

age of spouses (up to 35 years);
the need to recognize a family in need of improved housing conditions;
compliance with the condition that the family must be registered in a certain region for at least 10 years.

Documents for obtaining a mortgage

Among the general documents usually required by bank employees to apply for a mortgage are the following:

original and copy of passport;
original and copy of the certificate of registration at the place of residence;
copies of documents on marital status;
educational documents;
a copy of the work book certified by the employer;
a copy of the employment contract (with additional agreements certified by the employer);
originals of certificates in form 2-NDFL;
a completed request to the employer to confirm information about income received.

Banks may ask for additional documents necessary to make a decision on granting a mortgage loan to a family.

We have selected for you the best mortgage offers from our catalog:

Banks working with the Young Family program

The following banks offer their own mortgage lending programs for young families:

Sberbank – mortgage loan “Young Family”;
VTB 24
Bank "Pervomaisky";
Gazprombank;
OTP-Bank;
Tatfondbank;
RosselkhozBank.

Attention!

Now, in most cases, in order to get affordable housing for a young family, it is necessary to take out a mortgage. If the family decides to do this, then the bank should be chosen especially carefully.

source: http://molodaja-semja.ru/

State programs to support young families

State programs Considering the importance of correct demographic policy, the state seeks to assist young families in improving their living conditions.

Without support from the budget, most young families simply cannot purchase housing, and, accordingly, cannot afford to have a child.

State support for young families is provided subject to the following conditions:

each of the spouses (and if the family (hereinafter - sometimes S.) is incomplete, then the only parent) must be no older than 35 years;
the family must register their status as needing improved housing conditions;
there must be at least one child in the family. This condition is not specified in all programs (in some cases, the presence of children may simply increase the subsidy percentage);
the family must have a regular income to pay the state mortgage, or have their own funds to buy an apartment.

What state programs exist for young families?

The Federal Target Program (FTP) “Housing” for 2011-2016 was approved by government decree in December 2010. It was developed to solve the housing problem in general.

Program goals:

to create an economy class housing market in the Russian Federation;
eliminate the lack of comfortable housing;
improve the quality of the housing stock in Russia.

This program implements the national project “Affordable and (in the exact wording - author’s) comfortable housing for citizens of the Russian Federation.”

One of the subprograms of this target program is “Affordable housing for young families.” Provides for state support (subsidy) for the purchase (construction) of housing by a young family. Designed for 2011-2016.

To implement the program, regional programs “Providing housing for young families” have also been developed. This is also part of the programs to support young families who need to improve their living conditions.

Program “Affordable housing for young families” for 2016-2017

affordable housing 2016-2017 The project ultimately aims to increase the population.

The program is designed to solve the following important tasks:

correct the demographic situation in the regions;
provide MS with their own housing (houses or apartments);
reduce social tension;
activate the mortgage lending system.

The “Affordable Housing for Young Families” program should not be confused with regular youth mortgages from commercial banks. “Affordable housing for a young family” is part of the comprehensive support for MS from the state.

For young families participating in the subprogram within the framework of the national project, the state allocates funds on a first-come, first-served basis for partial payment for purchased primary housing or for partial payment for the construction of their own home. In 2016-2017, it is expected to provide housing for 172 thousand families.

Advice!

The amount of assistance depends on the presence of children and on the standard cost of a meter of housing in a particular municipality.

This amount is expressed not in money, but as a percentage of the average cost of housing. In 2016, the following amount of financial assistance is provided for participants who entered the program:

A family without children receives a 35% subsidy. The size of the family budget for a S. of two people must be at least 21,621 rubles, and payments for such a S. will be approximately 600 thousand rubles;
A family with children receives a 40% subsidy. The size of the budget for a family of three should be at least 32,510 rubles, and for a family of four, accordingly, it should be no less than 43,350 rubles. In monetary terms, the payment for S. of three people is approximately 800 thousand rubles, for four people - approximately 1 million rubles.

If program participants give birth to or adopt one child, they can receive an additional subsidy of 5% or more.

In addition, the program provides benefits and payments to families with many children. According to the demographic situation, each region provides its own additional financial assistance, which, together with federal measures, becomes comprehensive support for young families.

What documents are needed to receive a subsidy under the program?

To participate in the “Affordable Housing for Young Families” program, the family must provide the following documents to local governments:

application of the established form in two copies;
passports of spouses or single parents (copies);
marriage certificate (for two-parent families);
child's birth certificate;
documents confirming that the family is on the waiting list for housing;
loan or mortgage documents;
documents for housing that is being purchased or built.

If a social benefit is needed to pay off a debt on a housing loan, then you additionally need to provide:

a document confirming ownership of housing purchased or built with the help of a mortgage loan (copy of state registration certificate);
loan agreement (for agreements concluded from June 1, 2006 to December 31, 2010) - a copy;
a certificate from the lender about the remaining principal and interest payments on the mortgage loan.

The authority decides to recognize this MS as a participant in the program, then notifies about it.

After receiving already approved lists of young families applying for participation in the program, he informs about the need to submit documents to obtain a certificate.

Grounds for refusal to participate in the program:

family failure to meet established requirements;
failure to provide the necessary documents;
unreliability of information in documents;
Previously, the family had already improved their housing at the expense of the federal budget.

After receiving the notification, applicants must submit the application and documents mentioned above to the local authority within a month.

Warning!

When the family receives a personal certificate in response, it must send it to any of the partner banks of this federal target program. The required subsidy amount is credited to the account of this bank.

The bank issues a loan secured by purchased real estate. The property is transferred to the family. The subsidy is provided once.

So, the mechanism for receiving social benefits is as follows (except for Moscow):

register regionally as a participant in the subprogram;
receive a certificate, then transfer it to an authorized bank;
select housing, pay for it under the purchase and sale agreement through this authorized bank (and add 70% of your own funds).

Changes in 2016-2017 The main points of the program remained unchanged.

Let's list some of the latest innovations:

from January 1, 2014, funds must be used to purchase only primary housing or to participate in shared construction;
it is not allowed to use the subsidy at any stage of repaying the mortgage loan, as was the case before;
It is not allowed to direct funds to secondary housing.

The innovation, as we have already noted, affected only those who registered in the program in 2014. The rest will receive assistance under the same conditions.

What remains the same?

The main part of the program does not contain changes. Thus, the criteria for participation in the project remained the same. They are:

citizenship of the Russian Federation;
the age of the spouses (or single parent) is not older than 35 years;
a young family should be taken into account as in need of improved housing conditions;
the family budget must be of sufficient size to receive a loan;
Each Family member must have an insufficient number of square meters of living space (no more than 15) or there must be no housing in the property at all.

Programs “Affordable housing for young families” in the regions

Young families – affordable housing in the regions Regional programs to assist young families (created on the basis of the Federal Target Program “Housing”) operate in 80 constituent entities of the Russian Federation.

At the same time, each region takes into account its own capabilities and sets its own priorities and preferential order of priority.

There are the following options for social mortgages, which are provided for by law:

subsidies for part of the cost of housing purchased with a mortgage;
sale of municipal apartments on credit and at a reduced price;
reimbursement of part of the interest rate on a mortgage loan.

Different types of social mortgages operate in different regions. To participate in this program, you need to contact local authorities - the department (management, department) that deals with local housing policy.

Specialists should advise on social mortgage issues. At the request of the applicant, they must make preliminary calculations taking into account the income of the young family, the size of the down payment, the size of the loan and its term, and the amount of monthly loan payments.

In Moscow, the subprogram “Affordable housing for young families” is not carried out literally, but with some variations, preserving only the principles and tasks defined in the federal target program.

Thus, social benefits are not given to young families, but they are allowed to buy real estate in the capital at preferential prices, which is the property of the city.
In the Moscow region, the program operates in its classic form.

Prospects for the program

Since 2016, Russia was supposed to introduce additional measures of social support for young families. The corresponding bill “On additional measures to support young families” was developed by a group of deputies and submitted to the State Duma back in December 2013. Its text is posted on the official website of the State Duma.

The bill provided, in particular, for the following measures:

an interest-free loan to a young S. with many children for the purchase (or construction) of housing;
preferential rate under a credit agreement (or loan agreement);
social payment for the purchase (or construction) of housing (from 25% to 40% of its average cost);
housing subsidy to repay part of the loan debt and loan interest upon the birth of a child.

However, this bill has not been adopted and is still under consideration. So, in 2016-2017, no significant changes are expected in state support for families compared to the previous year.

Most likely, the “Young Family” social project, originally designed from 2011 to 2016, will be extended for several more years - until 2020.

source: http://molodsemja.ru/

Program “Young Family 2016-2017”

Young family 2016-2017 In 2011, a program was launched in the Russian Federation to support young families.

With its help, the state was going to help Russians who were just starting family life, making it easier for them to solve the most pressing issue - purchasing their own home.

Attention!

The Young Family program was originally designed for the period from 2011 to 2015.

However, the government has repeatedly said that the significance of this project for the life of society is very great. Therefore, on April 15, 2014, a decree was signed to extend the “Young Family” program until 2020 inclusive.

In May of the same year, the head of the Ministry of Construction of the Russian Federation, M. Men, repeatedly emphasized the importance of this program. The head of the Ministry of Construction noted that the reduction in project costs, which occurred as a result of the crisis, causes concern among members of the State Duma.

He said: deputies will try to return the program to its original level. According to the plans, about 170 thousand Russian families and single parents will be able to receive new housing. But what changes will the program undergo in 2016, and what are its features today?

What does Young Family guarantee?

Let us clarify right away: the extended program has undergone some changes. Initially, the range of opportunities it opened up was wider.

Now it has narrowed, but changing the conditions will allow the state to help more people buy their own homes. Previously, a young family or a single parent could apply for improved housing conditions in different ways.

So, if citizens became participants in the program, they could buy an apartment, finance the construction of a house, pay the first part of the mortgage loan amount, or repay the loan that they had at the time of joining the program, but only on the condition that it was taken out before January 1, 2011 .

In addition, if a couple or single citizen were members of a housing savings or housing cooperative, the state could finance the last part of the contribution. The received subsidy could be used exclusively for the purchase of one’s own home or its construction.

However, not all citizens are given the opportunity to receive assistance from the state.

Advice!

A number of requirements are presented to applicants. Thus, the maximum age of people who can receive a subsidy is 35 years.

Moreover, they must be citizens of the Russian Federation. In addition, it must be proven that applicants are in line for improved housing conditions and really need it.

Legitimate reasons for improving living conditions

The conditions in which the applicants live are unsuitable for this.
The applicant does not have his own living space, or the area allocated to each family member is less than what is required for one person. This indicator is determined in accordance with the standards adopted in the region where the person lives.
The applicant lives in a communal apartment with a sick person, with whom it is impossible to coexist.
A person or couple who wishes to participate in the program already has enough money to partially cover the purchase of a home or mortgage. The subsidy amount is not taken into account.

The state also imposes income requirements for citizens applying for participation in the program, and the amount of the subsidy is affected by the number of family members. If there are two people in it, the budget for each of them must be equal to at least 21 thousand 621 rubles.

The maximum possible amount of assistance is 600 thousand rubles. If there are three members in a family, each person should receive at least 32 thousand 510 rubles, and you can count on a maximum of 800 thousand rubles.

In families of four, each person’s budget should be from 43 thousand 350 rubles, and the state can provide assistance in the amount of 1 million rubles. The subsidy amount until 2015 was 35%.

If a family or a single person with children applied to participate in the “Young Family”, the amount of the subsidy changed to 40%. For those couples or people who raised several children, additional benefits were also provided.

“Young Family” program in 2016-2017

In 2016, the program rules were changed. Among the main amendments that the plan to provide young families with their own housing has undergone, three can be named.

If previously it was possible to obtain a subsidy to pay off a mortgage at any stage, now this is impossible. According to the new rules, you cannot pay off debts with the allocated money.
The new version of the program does not allow receiving government assistance for the purchase of housing from the secondary market.
The maximum amount of assistance that can be allocated is 30% of the total cost of the apartment or construction. The difference will have to be paid on your own or through credit.

All participants who were included in the program under the old rules will be able to use the money as they planned. However, newcomers will be accepted according to new standards.

How to become a participant in the program?

First, the family should ensure that it meets all the requirements outlined above.

And secondly, in order to participate in the “Young Family” program, you must submit a package of documents to the authorized body (most often the district administration). They must confirm several important facts about the family.

Required documents The package must contain an application requesting entry into the program.

It is written in accordance with the established form in two copies.

One of them remains with the administration, and the program participants take the second with them - as confirmation that the document has been accepted.

The statement should provide arguments why this particular person or family needs government help.

You will also need personal documents (passport).

Warning!

If the applicant has children, their birth certificates should be added to the package. For a couple who has legalized their relationship, it is also mandatory to submit a copy of the marriage certificate.

It is necessary to notify the state about what sources of income a family or citizen has. In this case, the purpose of the documents is to confirm the solvency of the applicants. Only those who will be able to repay the debt can count on help.

The package should be accompanied by salary documents issued at work, as well as (preferably, but not required) a certificate of a bank account. If a couple or citizen receives social benefits, documents about this will also be needed.

Take care of an extract from the house register. She will inform the government agency about the composition of your family.

To receive assistance, you will also need documents for housing that is being purchased or built, and for obtaining a loan or mortgage. In addition, the applicant must confirm that he is in line for housing.

Attention!

To do this, you should take care of a certificate certifying your placement in the queue.

The list ends with information about the place of residence of the couple or citizen. It should cover the period over the last 5–7 years. It is advisable to provide documentary evidence (information about registration, and if the apartment is rented, then, for example, a rental agreement, etc.). But if this is not possible, you can make do with oral evidence.

When this entire package has been collected, all that remains is to go to the administration, submit a request for inclusion in the “Young Family” program and wait for a decision.

Many young spouses spend a very long time in conditions that are far from the best financial situation.

Buying your own home, providing everything a newborn needs, paying for kindergarten and school supplies is a heavy burden that falls on the shoulders of all parents.

To improve the demographic situation, the state is trying to provide all possible support to young families.

Some social programs involve only indirect measures, while others directly help both parents and children.

Legislative regulation

Legislation The Russian Federation puts forward the following requirements for a potential participant in a housing program aimed at financial support for young spouses:

Spouses who joined the program in 2019 can count on receiving preferential social subsidies in the amount of 30% of the cost of purchased housing.

State assistance to rural families

One of the main responsibilities of the state is to ensure a decent standard of living for citizens. First of all, this is material support regarding the purchase of your own home.

a one-time benefit dedicated to the birth of a baby (RUB 16,759.09 - increases annually). Receipt of the payment can be made by any of the parents/guardians at their official place of work or at the social security department in accordance with their registration.
RUB 655.49 if a woman is registered during the first 12 weeks of pregnancy;
4512 rub. monthly for 140 days (70 before the birth of the baby and 70 after) if the woman was fired from her job due to the fact that the enterprise was liquidated or the individual terminated its activities.

State assistance may vary depending on the region of residence, so information about the required payments must be clarified locally.

Benefits and payments for families with many children

By-law – Presidential Decree dated 05/05/1992 defines a “large family”. In accordance with it, each regional government must make an independent decision regarding large families and choose its own form of support for this category of citizens. Some activities are generally accepted and applied in all regions of the country.

A young family with many children has the right to the following state aid:

In addition, a large young family can count on:

free provision of medicines to children under 6 years of age, in accordance with a doctor’s prescription;
provision of free travel on intracity and intradistrict transport;
admission of a child to kindergarten out of turn;
free meals at school and vocational school;
free provision of school and sportswear;
free entry to an exhibition, museum or other cultural event once a month.

How to get help

To become a participant in programs aimed at improving housing conditions, a family must bring the following to the Municipal Property Management Committee or multifunctional center: documentation:

original and copy of the passport of each family member;
a copy of children's birth and marriage certificates;
an extract from the house register;
certificate of registration at the place of residence;
cadastral passport;
a document confirming the fact that the family needs improved living conditions.

Obtaining a certificate in accordance with the Maternity Capital program, the following procedure is assumed:

Writing an application (the standard form is available at any branch of the Pension Fund of the Russian Federation);
Providing the following package of documents:
- Passport of the parent/guardian;
- the applicant;
- Birth certificates of children;
- Confirmation of Russian citizenship (issued by the passport and visa service);
- Documents confirming the person’s right to receive a certificate in the event that it was not the mother of the children who came to receive it.

The procedure for receiving other benefits and allowances due to young families can be found at the place of residence, for example, in a multifunctional center, as they may vary depending on the region.

Regional assistance

Rostov region invites young families to take advantage of the conditions of subprograms that provide government support for improving living conditions and providing affordable and comfortable housing.

List of social support:

budget subsidies that repay part of the interest on loans and borrowings for the construction and purchase of housing;
budgetary financial assistance, through which you can pay off debt on a housing loan in the event of the birth (adoption) of a baby;
subsidies for the purchase (construction) of housing, which can be applied for by a young doctor or an employee of a profession in shortage in the healthcare system.

Young families living in Moscow and St. Petersburg, can also participate in the federal Affordable Housing program. In addition, the capital supports the development of a regional municipal project that expands opportunities for improving living conditions.

The following financial government assistance is provided:

Citizens registered as needing improved housing conditions can receive subsidies.
A special program provides for the purchase of an apartment from the city at 10% per annum. The loan term is 10 years. In this case, the down payment is partially repaid by the state (from 10 to 20%).
A needy family can rent an apartment on preferential terms for 5 to 10 years.

St. Petersburg is implementing its own subprogram, which allows citizens to receive an interest-free loan for 10 years on the following conditions:

the first payment + 30% of the cost must be paid immediately;
the remaining amount must be repaid within 10 years.
Only those families who have lived in the region for at least 10 years can take advantage of these conditions.

Validity period of the state program “Young Family” in Krasnodar region started back in 2010.

Local authorities focus their assistance in several areas:

A young family can receive targeted cash subsidies for the purchase of housing. The amount of support depends on the area and size of the family and varies from 450 to 900 thousand rubles.
The project actively attracts commercial banks to cooperate, which should provide young people with the opportunity to receive preferential mortgage lending (reduced rates, mortgage repayment through government subsidies, etc.).

The end of 2012 was marked by the introduction of significant changes aimed at ensuring that Russians did not seek mortgage lending, but financed housing construction on their own. Thus, the list of grounds for receiving payments under a construction contract, shared construction or purchase and sale has expanded. In addition, a ban was introduced on payment from government subsidies for housing purchased on the secondary market and contributions under loan agreements.

About preferential mortgage lending for young families, watch the following video:

The lack of access to independent housing is a problem that many young families face.
Of course, few people want to live with their parents, and this is a rather expensive undertaking.

For many apartment owners, renting out premises is a profitable business, so they are constantly increasing the cost.

If you compare the cost of renting a home with the income of the average family, it becomes clear that for most these are unaffordable expenses.

Young people are forced to look for alternative solutions to the problem.

Of course, some families have some kind of insurance in the form of relatives who can help them with living space, but such cases are not common.

It is for those who are “unlucky” with an apartment, who are forced to think about housing themselves, that the government of the Russian Federation introduced the federal target program “Housing” in 2011, which will operate until 2020.

As for young families, “Housing” has a special subprogram “Providing housing for young families,” or “Young Family,” which has been in effect since 2015.

On February 22, 2016, the Government of the Russian Federation extended it until 2020 by Order No. 275-r.

What are the goals and conditions of the program?

Like other similar government programs, “Young Family” has as goals the following items:

State support for low-income citizens;
Development of construction volumes in the Russian Federation.

Since its inception, the program has gained great popularity and has allowed more than thirty thousand families to solve their housing problem.

In addition, the “construction” part of the program significantly stimulated the development of the relevant industry and made it possible to create a large number of jobs.

The main features are as follows:

The maximum cost of one square meter should not exceed 35 thousand rubles. At first, it was thirty thousand, but after the launch, due to the rising cost of labor and building materials, the price rose.
Representatives of local authorities, for example, in cities such as Chelyabinsk, Tambov, Cheboksary, Ulyanovsk, Bryansk, Omsk, Tomsk, Kostroma, Perm, Belgorod, Magnitogorsk, Ufa, themselves determine the actual location of the future building. In addition, they approve all the necessary documents, the developer’s company, as well as construction projects.
Housing built under the program must be sold at a price that is at least 20% below the market price. In accordance with the legislation of the Russian Federation, control is carried out over the determination of the procedure for valuation activities in the country.
Each house should be located in a place with developed infrastructure, which should be a short distance from the building. Facilities of such infrastructure include buildings such as hospitals, parks, kindergartens, shopping and entertainment centers.
Thirty percent of the cost of the apartment is reimbursed to program participants as government assistance.
“Providing housing for young families” provides for the possibility of purchasing only those apartments that are located in newly built buildings.

Important: infrastructure such as kindergartens should be present near new houses.

In 2017, the Young Family program introduces several significant changes that make the rules of participation stricter. Among them are the following:

State assistance can be used exclusively for the purchase of housing on the primary market or when participating in shared construction. Participants may not consider the secondary market at all.
The assistance provided by this program cannot be used to pay off a mortgage (), including.
Citizens at any stage of mortgage payments who have special certificates will not be able to obtain a certificate.

Who can become a participant in the “Young Family” program?

It is no secret that this state program in 2017 offers excellent opportunities and thereby attracts a huge number of interested people. But not everyone can participate in this program.

There are a number of conditions that a potential participant must meet, including the following:

Newlyweds and spouses who meet the age criterion of up to thirty-five years can participate in the program.
The applicant must be a citizen of the Russian Federation.
A potential program participant must have an official permanent employment document in accordance with Russian labor legislation.
A young family may not have children (in this case, family members must be Russian citizens), or have one child or more (in this case, one of the parents is allowed to have citizenship of the Russian Federation). There may also be cases of single-parent families with one or more children, but the parent must be a citizen.
Family members must have their own housing, which is not large enough for comfortable living (an area of at least 10 square meters is required for one person).
Regarding the income level of citizens, there are also requirements. The income itself and the price of all property must be less than the norms permissible in a particular subject of the Russian Federation, that is, significantly below the level. Local authorities themselves set these standards, based on the standard of living of the population and housing prices. In other words, the level of income must be sufficient to take out a mortgage loan from the bank. Income is calculated depending on the number of members in the family: if there are two people in the family, the amount should exceed twenty thousand, if there are three, the amount should be more than thirty thousand rubles, if there are four, then more than forty.
The house in which the family lives is subject to reconstruction or demolition and is in disrepair.
If the family has minor children who are holders of maternity capital, in this case the assistance should be used to purchase housing.
A young family must be recognized as having many children.
A potential participant is a veteran who has participated in hostilities. The local administration may designate other social classes.

What documents need to be prepared to submit an application?

An applicant who meets all the criteria must select the necessary documents to submit an application.

Also, the family income level is checked.

You must submit a 2-NDFL certificate:

The first step is to fill out the application itself in two copies, in which you need to indicate the circumstances of the applicant’s case.

These circumstances are confirmed by the following documents:

A copy of the passport of a citizen of the Russian Federation;
A copy of the child’s birth certificate (if lost, it can be found), as well as a certificate confirming receipt of “Maternity Capital” assistance;
If potential participants are married - a copy of the marriage certificate;
A certified copy of the work record book (it can also be used if lost);
In order to confirm the income level of each family member, a corresponding income certificate is required;
If the family has a bank account or if it receives social assistance, a corresponding certificate is needed;
To confirm the actual composition of a young family, you need;
All documents that can confirm ownership of the family’s living space;
In order to certify the number of persons registered in the dwelling and the status of the personal account for the living space, certificates from relevant organizations are needed;
Military ID, if available;
If the applicant is a military man, he can provide a certificate of participation in the mortgage-savings program for obtaining living space, carried out by the state.

What is the subsidy amount?

If we talk about the amount of financial assistance that the state provides, it mainly depends on the number of family members and whether there are children in it.

Thus, each payment case is calculated separately. To more accurately know the volume of material compensation, the following calculation principles should be taken as an example:

Young families with no children receive 35% of the price of the housing they purchase;
If there are children in the family, the amount of compensation increases to forty percent of the amount for the purchased apartment.
In cities of federal significance, this interest rate is reduced. Thus, in St. Petersburg and Moscow, childless families can receive thirty percent of financial assistance, while a family with children can receive 35% reimbursement of the cost of housing.

Where can applicants apply for the program?

To participate in the “Young Family” program in 2017, citizens must contact local authorities depending on their place of registration.

For example, you can contact the housing policy department of the city administration, or the city real estate department.

As a rule, basic information can be found on the website of the relevant real estate department.

A city administration employee accepts the application, after which it is reviewed within ten days.

After consideration, the citizen who submitted the application receives a letter notifying whether the application was approved or rejected.

If approved, applicants stand in line and receive a certificate indicating their guaranteed right to a subsidy.

Important: To receive a certificate, citizens need to wait for their application to be reviewed.

The validity of this certificate lasts no more than two months, which is why it must be used during this period - taken to the bank to open a blocked account.

What you should pay attention to

Many potential participants in this program are interested in how quickly their application will progress and whether they will receive compensation at all.

The program is not being implemented at the same pace as many would like, but nevertheless, quite a large number of families have already taken advantage of the help and received housing.

Taking this into account, as well as monitoring the implementation of the state program at the federal level, we can say that it is operating successfully.

By the way, about seventy billion rubles were allocated from the budget of the Russian Federation for the “Young Family”.

Applicants should pay attention to the fact that the maximum mortgage amount cannot exceed 2.2 million rubles; in addition, the program prohibits the purchase of secondary housing.

Only those families that have a regular income can count on financial compensation, and the number of such citizens is increasing every year.

Participants should also remember that they will not be full homeowners until they fully repay the mortgage debt.

How to get housing or the Young Family program

Since 2012, the Government of the Russian Federation has implemented several projects, which are primarily aimed at helping young families.

They include:

mortgage credit lending;
maternal capital;
support for young professionals and so on.

One of these projects is aimed at enabling a young family to acquire their own home in a short time.

The essence of the “Young Family” program and its advantages

Using the “Young Family” program, young families can easily purchase an apartment or house.

In such a program, the State takes on part of the payments for housing. As a rule, the government pays up to 40% of the total cost of housing. The young family pays the rest of the payments on its own.

In addition, to participate in the program the following basic conditions must be met, How:

The area of real housing does not exceed 42 square meters. meters (calculated for two);
in a family of three people, each of them has no more than 18 square meters. meters.

The program includes many benefits, the main ones of which are considered to be:

the opportunity to apply for a deferred payment;
the down payment may be from ;
The minimum contribution payment is at least 10% of the total cost of the apartment or house.

Amount of assistance

A young family consisting of two people has the right to count on assistance in the amount of up to 600,000 rubles.

If 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 family, the amount of financial assistance is calculated individually.

For taking part it is necessary to contact the executive body at the place of residence to clarify the addresses for the construction of new buildings. After the final decision has been made about which new building specifically we are talking about, the young family begins to implement collection of all necessary documentation.

It is worth noting that the executing body has the right to offer another new building if the cost of the desired one is significantly higher than that of another.

Conditions for receiving a subsidy

Without any doubt, not all young families living in the Russian Federation can take advantage of this program. There are certain conditions, subject to which, you can take part in this government program.

Basic conditions include:

A young family that fully meets all of the above criteria can receive a subsidy only if it uses her for such needs, How:

acquisition of real estate ownership (required in a new building);
self-construction of your own home;
down payment according to the signed mortgage agreement;
contribution to a housing construction cooperative.

In the event that the inspection body reveals that the allocated funds are being used for other purposes, the mortgage lending is suspended and the case is referred to the court for an administrative violation.

List of documents

Provided that the young family fully meets all the specified requirements, they need to bring and fill out a number of documents, which include:

If the entire package of documents is collected, the young family is sent to the city (district) administration to put their family on the waiting list. It is worth noting that the submission of this package of documents can be either joint, or it can be entrusted to one of the spouses.

The authorized person who receives the documents is obliged to conduct a consultation on the further actions of the young family to receive the subsidy as quickly as possible.

Despite the fact that under the “Young Family” program all registration conditions are more than transparent, all families must be prepared to overcome various difficulties.

Often difficulties arise due to bureaucratic delays.

The entire process of collecting the necessary documentation, including the timing of their consideration, takes a huge amount of time. Moreover, the application may take several months to be considered.

In addition, there is a limit on the number of young families who are eligible to take part in this program, and it is also worth noting that there is a waiting list.

It is necessary to take into account the fact that such a program is not able to provide assistance to low-income families, therefore all young families must be financially secure.

Registration procedure

Based on the submitted required package of documents, the housing fund issues its final verdict.

It can be of several types, namely:

a young family is allowed to take part in the program, and soon they will receive financial assistance to improve their living condition;
a young family is not eligible to take part in this program.

Reasons for the decision refusal can be:

After accepting the entire package of documents, the housing fund is obligated to make its decision on participation in the young family’s program within the first 10 days and send its decision by mail to their temporary residence address. The letter must arrive no later than 5 days from the moment the decision is made.

Together with the decision, the total amount of financial assistance that will be allocated for a particular family must be determined. It is worth noting that the amount is different for everyone.

After 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 by bank transfer to one family member. All funds are credited to a bank card.

In the process of purchasing housing, a young family must provide documents to the executive body that confirm intended use allocated funds, namely:

certificate of purchase of housing (usually this is a purchase and sale agreement);
the account number to which the funds were transferred (with a full indication of all the details of the developer company from whom the housing was purchased).

What documents are needed and the conditions for participation in the “Young Family” program are discussed in the following video:

At the level of constant increase in real estate prices, becoming the owner of an apartment is becoming difficult. In such difficult conditions, the participation of government agencies in solving emerging problems becomes more relevant. Young people have already appreciated the benefits of the Young Family program, which helps obtain affordable housing with support in the form of subsidies. More than 3.5 billion rubles were allocated from the federal budget for the implementation of this project in 2016-2020.

What is the Young Family program

The first thing you need to pay attention to is the state nature of this project, which provides serious guarantees to all participants. Under such a program, a family can count on social payments to purchase housing or improve living conditions. In order to qualify for government benefits under this program, applicants must meet certain criteria. This applies to the age of spouses, financial situation and social status of those in need of improved living conditions.

How the state supports young families

The implementation of the Housing target program began in 2002. This federal project was launched with the aim of providing housing to needy categories of citizens and solved a wide range of related issues (modernization of communal infrastructure, etc.). The basic directions of the project included the implementation of the subprogram Providing housing for young families (better known in its abbreviated form - the Young Family program), distributing housing certificates, the holder of which received a subsidy from the state.

Program Goals

The main purpose of this project is government support in the acquisition or construction of residential real estate. This is done in different ways, for example, by applying for a subsidy for housing loans or paying for a contract for building a house. Spouses who need to improve their living conditions and who have not reached the age of 35 can participate in the subprogram.

State programs for young families

The timing of the implementation of the next stage of the state program was determined for the period 2011-2015, but then the period was extended until 2020 without significant changes. All this allows us to talk about it as a well-thought-out targeted federal project for the issuance of government subsidies, which has a clearly defined target audience and social orientation. According to official data, in the first four years of implementation, about 108.5 thousand participants in the target program were able to achieve improved housing conditions.

“Affordable housing for a young family”

The emergence of such a project was quite predictable given the existing social norms and government policy to improve the demographic situation. It is important to note that within the framework of the housing subprogram, you can not only acquire your own real estate from scratch, but also improve existing conditions. This is especially true for participants with many children - if the apartment in which they are registered does not meet the standard (less than 18 sq. m per person) - this is a reason to apply for participation in the project.

Regional program “Providing housing for young families”

Although the social assistance program is federal in nature, the distribution of subsidies largely depends on the administration of a particular region, because it takes place with the participation of local budgets. The authorities of a region or republic determine the amount of subsidies, therefore, different norms for the provision of social benefits from regional budgets apply in different regions. At the same time, the region’s very entry into the program of providing affordable housing for young people takes place on a competitive basis.

What is assistance to young families?

By insisting on targeted spending of the funds received, the state provides ample opportunities for young families to use the subsidies received. Social benefits can be used for:

Purchases of housing - for example, apartments from a developer, where part of the cost is paid through social benefits.
Construction of a residential building - in this case, the cost of the construction contract is paid.
Obtaining a mortgage loan - the down payment is paid using the subsidy.
Payment for a housing construction cooperative - this must be the last payment, after which the living space becomes the property of the program participant.
Repayment of real estate loans - both principal and interest. It is important that the bank loan is not overdue and was received before January 1, 2011, and that the housing is checked for compliance with economic class.

Subsidy amount

State payments are provided for targeted spending (as confirmed by receipt of a certificate), and therefore can only be used to improve living conditions. One of the basic factors that determines the amount of subsidy that a participant receives is the estimated value of the property (RVN). Moreover, if:

Spouses are married but do not have children - the amount of social payment is at least 30 percent of the RSN.
There is 1 child or more (this includes single-parent families) - a subsidy is provided starting from 35 percent of the RSN.

The estimated value of real estate is calculated using the formula RSN = NOP x NS1, where:

NOP - standard total area (for example, for two people - 42 square meters);
NS1 – standard cost of 1 square meter, established by local government.

Additional benefits for large families

A family with three or more minor children is considered to have many children. The Decree of the Government of the Russian Federation “On the Federal Targeted Housing Program” specifically emphasizes that large families are one of the priority categories. They are provided with a benefit - a larger subsidy in relation to the estimated cost of housing. For example, if a simple community unit of three people can receive 600,000 rubles for a social mortgage, then a large group can receive 1,000,000 rubles or more, depending on the number of children.

How to become a participant in the program in 2019

The conditions for participation in the project have not changed over the past years, which gives all candidates the same rights. If the necessary requirements are met and all documents are provided, the participant may qualify for a subsidy. An apartment for a mortgage to a young family is the most common use of social benefits, which will be the down payment on the loan.

Mortgage conditions for a young family

Given the wide popularity and mass awareness of the Young Family program, many banks offer mortgage products designed for those who agree to participate in this project. This is a very attractive category of clients, given the government funding of the program and additional subsidies from local budgets, which is why such a borrower will be given a mortgage much more willingly than ordinary clients.

Requirements for borrowers

Those who are interested in the Young Family program and who are going to apply for participation need to know that there are certain incoming requirements for candidates:

The age of each spouse does not exceed 35 years.
If there are no children, it is necessary that the husband and wife have Russian citizenship. If there is at least one child, then only one of the spouses can be a Russian citizen.
Applicants must be recognized as in need of housing by local authorities and have an area less than the registration norm.
Applicants must have funds that, together with the subsidy, are enough to purchase real estate, or they must have income sufficient to obtain a mortgage loan.

Where to contact

Applicants who qualify and want to take advantage of the benefits this subsidy program offers must submit an application to their local government office. More detailed information is available on the website of the Real Estate Department - if you have any questions related to paperwork, you can contact them by email.

What documents are needed

The list of documents that the Young Family program requires from participants will be as follows:

Application in the prescribed form.
Copies of passports of both spouses, birth certificate of the child (children).
A copy of the marriage certificate (does not apply to single-parent families).
Documentary evidence of the need to improve living conditions.
Documents about the financial status of the spouses.

If it is planned that social benefits will help pay off mortgage debt, then in addition to points 1-3 you will need:

A copy of the loan agreement.
A document confirming the need to improve housing conditions at the time of issuing mortgage funds.
A certificate from the bank regarding the amount of the remaining principal and interest.

Preferential mortgage for a young family with state support

The advantage of this form of lending for borrowers is difficult to overestimate - everyone who has ever tried to use this service knows about the difficulties of obtaining a bank loan. The subsidy project is an additional guarantee for the credit institution, because in this case the borrower already has funds for the down payment, plus his solvency has been verified by government agencies.

Which bank can I get it from?

The Young Family program has proven itself well in the banking segment, and major players - Sberbank, Rosselkhozbank, VTB24 - offer participants mortgage lending on preferential terms. For example, a mortgage for a young family from Sberbank will require only 10 or 15% of the cost of the apartment (depending on the presence or absence of children), with a reduced interest rate on the loan. For those who take advantage of this offer to apply for a loan, the bank has a special benefit - upon the birth of a child, payments can be deferred for up to one year.

Registration procedure

The subsidy procedure and further related actions take place for project participants in several stages:

Submitting a package of documents to the local government body, where within 10 days they must make a decision - to accept the candidate or refuse.
Before September 1 of the current year, a single list of participants is being prepared, taking into account all submitted applications. Priority in the queue goes to those registered as needing improved housing conditions before March 1, 2005 and those with many children.
After the government approves the amount of social payments for the next year, lists for payments are approved. Everyone on the list is notified that they will be paid a subsidy.
After filling out the necessary documents, the participant receives a certificate of entitlement to receive social benefits. The certificate should be submitted to the bank where an account is opened to which the local government body transfers funds for the intended use.
Having received an order from the project participant, the bank transfers the money to its destination (real estate seller, mortgage lender, etc.).

Young family project for Moscow residents

Although Moscow is the capital and center of Russia, the Young Family program is not formally implemented here. The thing is that although the program is financed from the federal budget, in the implementation of the project the emphasis is on work in the regions for which funds are allocated. But at the same time, the residents of the capital did not stand aside - a special Moscow program was launched for them, which can be called a city initiative, financed from municipal funds.

Who can apply

The requirements for young families from Moscow seeking to acquire their own housing are a little stricter than for the regions. For candidates it is necessary to:

that both spouses be citizens of Russia and at least one of them has Moscow registration;
be on a waiting list for improved housing conditions (or registered as in need of improvement);
have an appropriate level of income that makes it possible to pay a mortgage or immediately purchase real estate when a subsidy is issued.

How the queue is formed under the Young Family program

Muscovites who want to take part in this project should prepare an application and, having collected a package of documents, contact the Department of Housing Policy and Housing Fund of Moscow. A fund employee will not only accept your documentation, but will also check that the application is filled out correctly and issue a receipt. Since the second copy of the application with a signature confirming the acceptance of documents will remain with you, make it in two copies in advance.

The queue for the city housing program includes several categories of people in need, with priority for applicants with many children, those with disabled children, etc. The implementation mechanism itself in Moscow is also somewhat different from the federal one - participants are offered to purchase real estate at a discounted price, with compensation (write-off) of part cost. For example, 30% is written off for parents with three or more children (or at least one disabled child). Along with their own funds to purchase an apartment, participants can also use maternity capital.

Where can you spend money received under the housing program?

It is envisaged that the amount received will be spent on the purchase of housing, and two options for purchase and sale are possible - using a social mortgage or in installments. In the second case, the contract is concluded for a period of up to 10 years with quarterly payments and a flexible system of reducing conditions. For example, the first payment is 20-60% of the property value, but it will be 15% if you have two children and 10% if you have three.

The total amount of the repurchase and the amount of interest for the installment plan are determined by the regulations of the city of Moscow. An important regulatory indicator is the average market price per square meter - in the second quarter of 2019 it was 90,400 rubles. It is important that until the end of the installment plan, the apartment belongs to the municipality - the project participant must pay utility bills, and in case of a long delay, the purchase and sale agreement may be terminated.

Pros and cons of the program to help young families

The positive aspects of this social project are obvious - it is material and organizational assistance to young spouses so that they acquire their own housing. By taking part in this project, you can reasonably expect that your housing issue will soon be resolved for the better. You will receive real estate with a limitation on the area of residential buildings or apartments, but this is a social project, and it is not designed for lovers of luxury apartments.

Among other disadvantages, too high requirements for those who are issued housing certificates are often cited - since these people have an income sufficient to obtain a mortgage, how much do they need a subsidy? If we compare this with the fact that a single mother with two children can receive the same amount as two spouses with one child, then it is easy to see that there is still room for improvement in the project.