Package of documents

An approximate list of papers required for inclusion in the list of program participants is as follows:

• the corresponding application - on a special form;
• documents proving the identity of all members of a young family - passports, children's certificates (copies are to be submitted, but the originals should be taken with you);
• marriage certificate, if a complete family wishes to become a participant in the program (a copy is to be submitted);
• a certificate from the social security authority that applicants for participation in the project are recognized as needing housing;
• certificates of family income (2-personal income tax, bank statements, etc.);
• bank details - for transferring the amount of money.

If the family is going to pay off part of the mortgage loan with the help of the state cash payment, then the following are additionally provided:

• loan agreement with the bank;
• certificate of the amount (balance) of the debt outstanding by the debtor;
• extract from the Register - on registration of ownership of mortgage real estate.

This list of required documents is established by Government Decree No. 1050 dated 12/17/2010. However, it cannot be called exhaustive, as other documentation is often included in the required package in the field. Additional documents may include:

• serviceman's ticket;
• work books of able-bodied family members;
• (form-9);
• (if the family is going to involve him in solving the housing issue), etc.

The application and documents are submitted to the local administration or multifunctional center. The validity of the demand and the authenticity of the papers transferred by citizens are checked by officials within 10 days, after which they decide:

• or about the inclusion of the family in the program;
• or to refuse it.

Applicants shall be informed in writing of any of these options. The refusal of the administration to include them in the program must be motivated and explained. Notification is sent to the submitter of documents in within 5 days after a positive or negative decision has been made on him.

Detailed conditions of the program of assistance to young families are developed at the level of regional legislation. Despite the fact that this project was developed at the federal level, the constituent entities of the Russian Federation co-finance the housing payments provided to citizens.

Their task is to comply with the minimum standards set by the central government. For the rest, they proceed from the possibilities of the local budget, as well as their own understanding on what conditions and in what order it is possible to obtain a state budget. In particular, they have the right to correct:

• the amount of the payment;
• list of documents provided by applicants for participation in the program;
• categories of persons eligible for housing subsidies;
• minimum income for program participants.

Not all Russian regions are involved in the project. And those who have joined it have taken on very different obligations that they can afford. This, in particular, can be traced from the presented table.

• Read also about: (full list).
• Information may be useful for owners of a certificate for maternity capital:.

Have questions on this topic? Ask our lawyer through the form below or call the numbers below.

Do you have any questions or clarifications? Our experts are happy to help you. If you need legal advice by phone, you can order a call back using the online consultant form, and our specialist will call you back at a convenient time.

Many people are interested in the question of what kind of assistance to a young family can be provided by the state. The President of the country annually voices the answer when communicating with the citizens of the Russian Federation in a direct line.

At the moment, there are a number that provide assistance to young families in purchasing their own housing - these are "Maternity Capital" and "Young Family - Affordable Housing".

How to buy your own home?

During the crisis in Russia, the issue of acquiring housing is acute. The prices in the real estate market are unaffordable for most people. And so young families are forced to either wander around rented apartments.

The state program called "Affordable housing for young families" makes it possible to acquire their own apartment or house. Under this program, assistance to a young family is provided at the expense of the federal budget. In 2016, 30% of the cost of housing is paid by the state, and 70% is personal investment.

To take advantage of this offer, you need to contact the local administration in order to familiarize yourself with the criteria for the proposed program. After all, not every family has a chance.

Program Criteria

Who can count on State assistance to young families in acquiring housing is provided only if they meet the following criteria:

• Spouses must be under 35 years of age. If then the age of one of the parents must also meet this requirement.
• Newlyweds must obtain the status of those in need of better living conditions in advance.
• The family must have at least one child. This factor may not be the main one, but its presence allows us to count on an increase in the amount of support from the state.
• The financial situation of the newlyweds must allow the payment of the remaining amount of the purchase (immediate payment at the time of purchase or monthly repayment of the mortgage loan). This paragraph provides for documentary evidence of it.
• The program is designed only for citizens of the Russian Federation.
• The absence of each of the spouses of their own housing.

Non-compliance with at least one criterion excludes assistance to a young family from the state.

Opportunities of the program "Affordable Housing for Young Families"

Within the framework of this project, assistance to young families is carried out in the following areas.

• Buying your own home.
• A grant is issued for major repairs.
• Opportunity to build your own home.
• The Young Family Assistance Program provides for the repayment of a mortgage loan, the conclusion of which must be dated no later than January 2011.
• Allows you to pay the first installment of the mortgage.

These areas of the program may be amended annually. For clarification, please contact your local government.

Documents for participation in the target project

Of course, this is a very important social program. Assistance to a young family provides for the provision by a young couple of the following documents.

• Availability of a certificate of non-compliance of housing conditions for living and raising children.
• Income certificate of each parent, in the case of an incomplete family - one.
• Certificate of the size of the dwelling, each should have no more than 15 square meters. If, according to this criterion, the excess of the established norm is at least 1 centimeter, the application is not subject to consideration.
• Information about the composition of the family.
• A photocopy of the marriage certificate. With an incomplete family, respectively, the implementation of this paragraph is not required.
• Photocopies of passports of both parents (all pages).
• Photocopies of birth certificates of children.
• Additionally, it is necessary to provide certificates on the financial and housing situation of the family, as well as on a loan, the execution of which was earlier than January 2011, in cases where the family took out a mortgage before the start of the state program.

In addition, this list can be supplemented by the necessary availability of other documents established specifically in the region where the family lives.

2016 adjustments

In 2016, the following adjustments were made to this target project, which assists a young family in purchasing housing.

• Increase per person. So, in 2011 it was 10 square meters, and now 15.
• Increasing the percentage of public funding, with a priority for couples with children (the percentage of assistance can be 40% for a family of 4).

The process of applying for a housing subsidy. Where to begin?

You can count on help for a young family in acquiring housing only by legalizing their relationship, since one of the most important points of the program is the availability of a marriage certificate.

Next, the young spouses must visit the local administration in order to find out the rules for participation in the target state project and receive a list for providing the necessary documents. The next step should be to collect documentation and apply for participation.

It is necessary to wait for the consideration of the documents and, in case of a positive answer, get on the waiting list for receiving state assistance. Having received a subsidy, you can start buying a dwelling and paperwork for it.

These simple actions make it possible for young families to receive state assistance and solve their housing problem.

Disadvantages of the program "Affordable housing for young families"

It seems to many people who are counting on government assistance in purchasing housing for a young family that they should immediately receive money by submitting an application. This is far from true. The following nuances must be taken into account:

• The application process takes quite a lot of time.
• The number of families applying is constantly growing, and accordingly, from the moment of application to the moment of receiving a subsidy, it can take about 2 years.
• Receiving a subsidy is possible only for officially employed citizens.
• from the state varies within the amount of 2,200,000 rubles.
• Citizens who registered later than 2011 are not eligible to purchase housing on the secondary market.
• When applying for a mortgage loan for the purchase of real estate, it is necessary to repay it monthly; in this case, a young family must correctly calculate their financial capabilities.
• Residential premises are purchased in the region where the application was submitted.
• When applying for participation, age must be taken into account. If at the time of receiving the subsidy one of the spouses is 35 years old, then a refusal automatically follows.

Other ways to buy your own home

Of course, participation in the program "Affordable Housing for Young Families" is a good thing. But what about people who did not get into the target project for one reason or another? What assistance can be provided to young families? In this case, other options may be considered. For example, if one of the spouses is a young specialist, he is entitled to living space. In addition, it is possible to use "maternity capital" to purchase housing if there are three children in the family. The state also provides an opportunity to obtain land for construction.

If the spouse is a military man, then you can become on a preferential line for obtaining a state apartment.

The list of required documentation may vary depending on the method of acquiring housing. The opportunity to use state support is provided once in a lifetime, regardless of the name of the target projects.

It must be remembered that there are no hopeless situations, you just need to look for solutions. And the state can always come to the rescue.

The Young Family Program is a government project envisaged in the Russian Federation to make life easier and solve some of the pressing problems that young people usually have. To solve the housing problem, which is especially acute at this age and to help those who with small children still do not have their own living space, this all-federal program has been launched.

In 2019, the conditions for participation in the program and the requirements for those who can apply for the provision of benefits and guarantees have changed somewhat. And this is connected not only with the financial situation in the country, but also with public policy.

What is the program and who is it for?

The extension of the project, which started in 2011, made it possible to receive real assistance to those who fell under special categories. For the rest, the conditions of the "Young Family" program mean only easier access to realizable housing, but not financial assistance and not facilitating cash payment. The program is expected to continue in 2019.

The development of the relevant conditions was undertaken on the basis of the Government Decree dated December 2010 No. 1050. It established by law who and under what circumstances can apply for assistance from the state to improve their living conditions or to purchase housing.

What can I get money for under the program

The "Young Family" program is designed for those who meet the prescribed age, social status and material conditions provided for participants in the federal project for helping newlyweds, or families with small children. After it had existed for 4 years, the Government of the Russian Federation considered it appropriate to extend it and further develop it as a successful measure to improve the demographic situation.

In 2018, young families can still use the conditions developed over 7 years ago, provided they meet the requirements.

Program "Young family"

Moreover, for everyone who fits the specified categories, there are separate conditions that provide for the opportunity to claim benefits or guarantees:

1. Childless families, or those who have not yet had time to acquire offspring, but are suitable for age, status and financial situation, have the right to count on a subsidy set at 30% of the limited housing cost.
2. Family with one child, or a cell of society in which one of the parents is absent, can receive from 35% or more the amount of the cost of housing planned for purchase. The decision is made according to the circumstances and depending on individual criteria.
3. Newlyweds, - provided that they are both citizens of the Russian Federation. In a family with a child or several children, only one of the parents with a Russian passport is enough to receive the benefit. In an incomplete family, a citizen of Russia must necessarily be the parent in whose care the child is.
4. Applicants over 35, even if they just got married, they are not considered in the Young Family program, since they no longer fit the age criteria.
5. Families Those who cannot be recognized as in need of housing due to their financial situation cannot participate in the program. As well as those who do not have the amount, which, together with the state subsidy, will make up a sufficient amount of funds to purchase the planned housing, cannot.

Until 2019, in the conditions for granting a subsidy for improving housing conditions, a mandatory item was the compliance of the prescribed number of square meters with the footage, which must comply with the legislative norm per one, multiplied by the number of family members.

In 2018, adjustments were made to the program - for two spouses or a parent with a child, the estimated area was 21 sq. m. for each. In large families, 18 meters per person was enough. The marginal cost of a square meter for which a subsidy was issued is determined by the local authorities based on the average price per square meter. m. in the region of residence.

Future prospects

It is clear that in the current economic situation it has become unreasonable or reckless to pin hopes on much. But specifically, housing for young people who can improve the demographic situation, or who have already contributed to its resolution, will continue to work in 2019. It was decided to extend the program until 2020.

The queue for affordable housing in both metropolitan and provincial regions is formed primarily from people who are in particular urgent need of better housing conditions.

Families with disabled children, and those who have more than one child at a time (twins, triplets, and so on) can be recognized as such.

Attention!

The Housing Commission also considers the conditions in which the family lives now - footage, the number of meters per family member, their own or rented, the type of apartment and the date of registration.

Family income check

It is clear that, first of all, those who have long been in line due to unbearable living conditions can count on subsidies. Families with a large number of children also enjoy prerogative opportunities.

In 2019, and until 2020, as outlined in the current program, nothing will change yet. Compared to the start, it has become much more loyal, because participants can spend the received subsidy not only on buying an apartment, but also on building a house, repaying a mortgage, paying off debts for an already built home with a construction organization.

If a family repays a loan received before the program started, they can repay the loan at the bank. To do this, it is necessary that housing is not more expensive than expected in the terms of the program, and that payments to the financial institution are not overdue. This is one of the few good news for 2019.

Program "Young Family" 2018: changes, new conditions, documents

Last modified: July 2018

Program "Young family"- conditional term. It is understood as a complex of various social measures aimed at helping citizens in solving their housing problems.

The name of the program eloquently shows that its target category is young people who have entered into an official marriage. The demographic well-being of the country depends on them, and the state is ready to support such families.

Especially when spouses decide to have children.

How it all started

Demographic problems in Russia began long ago. Therefore, the program "Young Family" has a long history.

1. In 2002, the project "Provision of housing for young families" was launched, which lasted until 2010.

• Until 2006, within the framework of it, state support in the form of cash subsidies was provided only after the birth of a child by the spouses, or his adoption.
• Then the program was adjusted. The appearance of a baby in the family was considered not as a prerequisite for subsidizing the purchase of housing by the state, but as an additional "bonus" to the implementation of this project. It was assumed that the solution of the housing problem motivates many spouses to add to the family.
• Until 2008, a husband and wife were considered “young” until they reached the age of 30. But then the age bar was increased - up to the 35th anniversary of the spouses.

1. Since 2010, the Housing for Young Families program has changed somewhat. Its priority participants were parents with many children and families who were recognized as in need of improved housing even before the onset of 2005. Subsidies were replaced by targeted social payments, which were allowed to be spent only on the purchase of family real estate.

Initially, the project "Providing housing for young families" was designed until 2020 inclusive. But last year it ended ahead of schedule. And since this year, a new program of state support for young spouses with "housing" problems has been working.

What program is running now

Since the beginning of 2018, state support for young families has been provided as part of a government project called "Providing affordable and comfortable housing and public services for citizens of the Russian Federation." It focuses on easy mortgage lending and rental housing for borrowers. Program activities are calculated until the end of 2025.

The new project has several goals. One of them is a significant reduction in the cost of residential premises, so that almost any young family (and other preferential categories indicated in the document) can not only acquire real estate, but also regularly improve its quality - once every 15 years.

For this, in particular, the price of an average two-room apartment (54 sq.m.) by 2025 should be 2.3 times the total annual income of a family of three. That is, if, for example, after 8 years, the wife, husband and child will live on 50,000 rubles a month, or 600 thousand rubles.

per year, they should be able to purchase housing for 1 million 380 thousand rubles.

Other goals of the government program are:

• activation of the construction market;
• providing citizens with public services of higher quality;
• increase in labor productivity in the construction industry.

What does the state promise?

Program participants, including young families, the state is ready to provide a cash payment for the construction or purchase of housing. Its exact size is set by the regions, however, the federal government has determined its minimum value, which local authorities must take into account:

• 30% of the average cost of residential real estate - for couples who do not have natural or adopted children;
• 35% of the average cost of housing:
• for families raising one or more natural/adopted children;
• for incomplete families with children (where there is only one parent).

The average cost will be calculated according to the formula:

local standard for the cost of 1 m2 * the size of the acquired / built housing.

Money received from the state is allowed to spend:

• to make the first installment on a mortgage loan;
• for the payment of a share contribution;
• for partial payment of the cost of residential real estate acquired under a regular sale and purchase agreement;
• to pay for the construction of a house - under a building contract;
• to repay the main "body" of the loan and interest on the loan, if it was taken to solve the housing problem.

You should not expect that at the expense of budgetary funds you can pay off a third of the costs of any residential premises.

The state will strictly monitor its size and subsidize only clearly established norms:

• 42 m2- for young spouses without children or one parent with a child;
• 18 m2- for each member of a family consisting of three or more household members (including 1 parent and several children).

So if, for example, a complete family with two children wishes to purchase a spacious 150 sq.m. (18 x 4). And the remaining 78 m2 (150 - 72) the spouses will have to pay only at the expense of their own savings.

Conditions of the program Young family

Young families are eligible to apply for participation in the housing program if they meet certain criteria:

• the age of spouses or a single parent does not exceed thirty-five years - and not at the time of submission of documents, but on the day officials make a decision on their participation in this social project;
• young spouses (single parents) have:
  • or a sufficient amount of their own savings with which they can pay the seller - in the amount of the cost of housing, not covered by the payment from the state;
  • either a significant regular income that will allow them to take out a loan for this purpose;
• one of the spouses or the only parent in the family must have Russian citizenship;
• the family was officially recognized as needing housing.

Recall that in order to recognize such a need, one of the following circumstances will need to be documented (Article 51 of the Housing Code):

• That the applicants do not have any housing at all - neither owned nor under a lease.
• That the housing they occupy is too small - the minimum standard established by the state is not observed.
• That the young family's living quarters are not suitable for permanent residence - for example, they are in a dilapidated or emergency state, or located in an area with a high concentration of substances harmful to the body.
• That a married couple is forced to live together with a seriously ill person who, according to the law, must be provided with a separate living space.

If these conditions are met, the young family has the right to apply for participation in the program and attach a package of documents to it. It is better to do this at the beginning of the year, since the lists of new participants are formed before June 1 (regions may set earlier deadlines). They will only be entitled to the payment next year, which does not mean it will be received quickly. You will have to wait for the money in the order of the queue, in which priority is given to large families, state-funded parents, and other special categories of people. A young family will be able to receive a social housing payment only once.

Package of documents

An approximate list of papers required for inclusion in the list of program participants is as follows:

• the corresponding application - on a special form;
• documents proving the identity of all members of a young family - passports, children's certificates (copies are to be submitted, but the originals should be taken with you);
• marriage certificate, if a complete family wishes to become a participant in the program (a copy is to be submitted);
• a certificate from the social security authority that applicants for participation in the project are recognized as needing housing;
• certificates of family income (2-personal income tax, bank statements, etc.);
• bank details - for transferring the amount of money.

If the family is going to pay off part of the mortgage loan with the help of the state cash payment, then the following are additionally provided:

• loan agreement with the bank;
• certificate of the amount (balance) of the debt outstanding by the debtor;
• extract from the Register - on registration of ownership of mortgage real estate.

This list of required documents is established by Government Decree No. 1050 dated 12/17/2010. However, it cannot be called exhaustive, as other documentation is often included in the required package in the field. Additional documents may include:

The application and documents are submitted to the local administration or multifunctional center. The validity of the demand and the authenticity of the papers transferred by citizens are checked by officials within 10 days, after which they decide:

• or about the inclusion of the family in the program;
• or to refuse it.

Applicants shall be informed in writing of any of these options. The refusal of the administration to include them in the program must be motivated and explained. Notification is sent to the submitter of documents in within 5 days after a positive or negative decision has been made on him.

Regional features of the program

Detailed conditions of the program of assistance to young families are developed at the level of regional legislation. Despite the fact that this project was developed at the federal level, the constituent entities of the Russian Federation co-finance the housing payments provided to citizens.

Their task is to comply with the minimum standards set by the central government. For the rest, they proceed from the possibilities of the local budget, as well as their own understanding on what conditions and in what order it is possible to receive a state subsidy to a young family for the purchase of housing. In particular, they have the right to correct:

• the amount of the payment;
• list of documents provided by applicants for participation in the program;
• categories of persons eligible for housing subsidies;
• minimum income for program participants.

Not all Russian regions are involved in the project. And those who have joined it have taken on very different obligations that they can afford. This, in particular, can be traced from the presented table.

Do you have any questions or clarifications? Our experts are happy to help you. If you need legal advice by phone, you can order a call back using the online consultant form, and our specialist will call you back at a convenient time.

State program "Young family" 2017-2020 Affordable housing. Conditions. Subsidy amount 2017. List of documents

Every person, and even more so every family, wants to have their own separate corner in order to build their own nest there. But not everyone can afford to buy an apartment.

It is precisely for such young families that the Young Family program was developed, which in 2017 gained even more popularity among the inhabitants of Russia.

The essence of the program

State program "Young Family" 2017-2020 is aimed at improving the living conditions of the newly minted cells of society, as well as consolidating their position financially. This project ran from 2011 to 2015.

However, Dmitry Medvedev announced a possible extension of the program until 2020. The extension of this program will help many families realize their cherished dream - the acquisition of their own living space.

It is planned to provide more than 170,000 Russian couples with housing.

Do not confuse with the Young Family program from Sberbank.

You can find out more about this program here Apartment in the mortgage "Young Family".

Basic conditions and purpose of the program

All such state programs have 2 main goals:

1. Support for the poor.
2. Increase in construction volumes in the Russian Federation.

By reducing the market value of housing, many families will be able to afford to buy property. Initially, the maximum cost per 1 sq.

m should not exceed 30 thousand rubles, however, after the program began to function, this price soared to 35,000 rubles. in certain regions of the country.

Such a jump is due to the fact that prices for building materials have risen, the cost of land has increased.

The main and only condition of the "Young Family" program is that the location of the future home is determined by representatives of the local authorities. They also approve the developer's company, all the necessary documents, projects, according to which the house will be built.

Already by July 1, 2017, 25 million square meters of housing, which are located in 67 subjects of the federation, will be ready for delivery.

In addition, each project must be located with a developed infrastructure, and if there is none, then by the time the object is commissioned, all the necessary buildings (parks, hospitals, kindergartens, shopping centers) should be within walking distance. Another important condition concerns the cost of housing. It should not be higher than 80% of the cost of apartments in the city. Price control is carried out on the basis of federal law.

Who can participate in the Young Family Program?

The conditions for program participants remain the same, namely:

• spouses must be adults. Another nuance -;
• at least 1 child in the family;

For more information about who, according to Art. 51 of the Housing Code of the Russian Federation is recognized as needing housing: 1) if a citizen (and his relatives with whom he is registered) does not own residential premises, and they do not live in “social housing” (i.e.

under a social tenancy agreement); 2) if a citizen (or his relatives with whom it is registered) owns residential premises, or they live in “social housing” (i.e.

under a social tenancy agreement), but the area of ​​​​living space for each resident is less than the established (accounting) norm; meters per person.

The calculation takes into account the total area of ​​​​housing (without balconies and loggias), as well as all citizens officially registered (registered) permanently on it; 3) citizens living in a room that does not meet the necessary requirements, i.e. in emergency housing; 4) citizens living with a patient suffering from a severe form of a chronic disease, in which cohabitation is impossible.

When determining the level of housing provision (i.e. how many square meters per person), it matters:

• where each family member is registered, regardless of the place of actual residence;
• what is the total area of ​​​​all premises, while taking into account: a) premises (including shares) owned by a citizen, b) premises occupied by a citizen under a social contract. hiring, c) premises owned or occupied under a social contract. employment by relatives with whom the citizen is permanently registered;
• and how many people are registered in the considered premises. Thus, if the spouses do not own housing, they still will not be able to get into the program if their parents (who have them registered) have a housing of sufficient size, since the square footage of the parents' property is also taken into account. The family must have their own funds, which, together with the subsidy, will be enough to buy a home, or have income that will allow them to take out a loan for the missing amount. At the same time, funds should be enough to purchase housing, based on the estimated cost, and such an area that each family member has at least the established norm of square meters. meters.

What is the amount of the subsidy? And how to use it?

Each payment case is calculated separately. In order to more accurately know the amount of material compensation, the following calculation principles should be taken as an example:

• Young families without children receive 35% of the price of the housing they purchase;
• If there are children in the family, then the amount of compensation increases to 40% of the amount for the purchased apartment. In cities of federal significance, this interest rate is reduced. So, in St. Petersburg and Moscow, childless families can receive 30% of material assistance, while a family with children - 35% of housing cost reimbursement.

Subsidies can be used:

• for the purchase of housing;
• for the construction of their own house;
• for a contribution to the housing cooperative (housing and construction cooperative) for registration of ownership of the apartment;
• for a down payment on a mortgage;
• to pay off debt on a mortgage or other housing loan issued before January 1, 2011.

If you meet all of the above criteria and are ready to comply with the necessary points, start collecting a package of documents.

Required documents

Required package of documents for participation in the program:

• Passports of all family members over the age of 18;
• Birth certificate of the child;
• Marriage certificate (for a single mother or single father, this document is not required);
• For working family members - work books;
• Certificate of availability of a bank account (accounts);
• Certificate of income of each of the family members (2-NDFL is issued at the place of work), as well as documents confirming the credit history (if the family has previously taken loans), if the apartment will be taken on a mortgage
• If the family will not use the mortgage, then you need to provide a bank account statement, which confirms the availability of a certain amount to pay the remaining cost of housing;
• Certificates of receipt of social assistance by family members;
• Information about the composition of the family;
• If the family has a housing under construction or already finished - documents for ownership;
• For men - a military ID;
• If the family participates in the Maternity Capital program - a certificate of participation
• Data on the place of residence for the last 5 years - contracts for the purchase of real estate, apartment rental, information on the registration of family members;
• Certificate of enrollment in the queue for housing; And, of course, an application for the participation of a young family in the program of financial assistance from the state must be attached to the package of documents.

The application is written according to a standard template (can be found on the State Services website) in 2 copies. The text of the application should contain information on exactly what difficulties the young family is experiencing in terms of housing, as well as a reasoned need for state financial assistance.

After the package of documents has been collected in full, the family should contact the real estate department at the place of residence (or other authorized body), submitting a copy of the application.

The applicant takes the second copy with him. The estimated time for consideration of the application does not exceed 10 working days.

After this period, the applicant receives a letter from the department informing him of the decision.

In the case of a positive answer, the young family becomes a participant in the program (however, the certificate is issued only when the queue comes up).

After receiving the certificate, you should contact the bank with it to open an account where the funds will be transferred (this must be done no later than 2 months after receiving the document).

Applicants should pay attention to the fact that the maximum mortgage amount cannot exceed 2.2 million rubles, in addition, it is forbidden to buy secondary housing under the program.

We wish you good luck in solving housing problems and obtaining a mortgage!

State program young family 2018 moscow

Some time ago, there were rumors that it would end soon, but according to recent information, it became known that the program was extended and even increased budget allocations for its implementation - officials plan to allocate one billion rubles annually from the state treasury.

Conditions for participation in the Young Family program in Moscow and the Moscow region

1. Purchase of a residential property.
2. To build your own house.
3. As a contribution to a housing construction cooperative.
4. As a down payment when applying for a mortgage.
5. If the mortgage loan was taken before January 1, 2011, the amount of the subsidy can be used to pay off the debt.

Laws of the Russian Federation 2018

• a newly created cell of society without children, in which each of the spouses is a citizen of Russia;
• a family with one or more children, in which it is enough for one parent to have Russian citizenship;
• incomplete family with a parent - a citizen of Russia and one or more children.

The initiative started as recently as 2011 and has become very popular among young people. In 2015, it was extended for several years ahead. At the moment, it is known that the program will not cease to operate in 2018. As before, the newlyweds will be able to use a subsidy for the purchase of housing. Its size is determined by many circumstances:

State program - Young family - 2017-2020

• the program involves only those families whose dwelling area per member is less than established in the region of their residence;
• spouses must be adults.

Another nuance - both must be under the age of 35 at the time of application for participation in the Young Family Program;

• Families that have their own housing are not allowed to participate.

• The government only queues up families that really need an apartment or a house;
• joint residence of spouses;
• minimum income for two - 21,621 rubles, for three - 32,510 rubles;
• at least 1 child in the family;
• all family members, including children, must be citizens of the Russian Federation.

Mortgage to a young family in 2018: conditions of the state program

Banks of the country also offer loans for housing to young families. For example, Sberbank provides loans at 8.6% with a maturity of up to 30 years.

Additionally, it should be borne in mind that many lenders, together with developers, are happy to offer the purchase of finished apartments at a lower interest rate.

If we add state subsidies here, the conditions for acquiring housing will be very affordable.

Program Young family 2018: conditions of state support

In connection with the improved attention of state bodies to the demographic situation, there are subsidies for young families to purchase housing. What it is? A subsidy is a gratuitous assistance from the state in the form of cash or material assets provided to a person in need.

1. A newlywed couple, where both spouses must have citizenship of the Russian Federation without young children. 30% of the price of the selected object will be paid by the state;
2. A unit of society that has 1 or more children. An important condition: one of the spouses must have citizenship of the Russian Federation. 35% of the cost of housing as a subsidy from the government;
3. A citizen of the Russian Federation who alone brings up at least one child. 35% or more will be paid by the government of the established price of the selected project.

Young family program in Moscow in 2018

The system for improving housing conditions of Subprogram 2 is designed to provide state assistance to citizens-applicants of 8 categories (groups of citizens), including young families registered in the city of Moscow in need of better housing conditions or registered in need of assistance from the city of Moscow in acquiring housing premises within the framework of city housing programs (6th group).

Program Young family in Moscow

Some families participate in the city's housing program not as young people, but on a different basis. If at a particular point in time it becomes more profitable for them to participate as young people (and they meet the conditions), the legislation provides for their transfer from one group to another. For example, from 1st or 2nd to 6th.

Program "Young Family" in 2018

Participants can only purchase an apartment in a new building. Its project, location and developer firms are approved by the regional authorities without the consent of the future residents. But there is another option - participation in shared construction.

The subsidy may not be used to purchase real estate from private individuals. The family is not considered the owner of the house or apartment until the mortgage is repaid. The largest mortgage that is covered by state assistance is 2.2 million rubles.

State programs to support young families in 2018 are expected to change

• statement of the established form in two copies;
• passports of spouses or a single parent (copy);
• marriage certificate (for a full family);
• birth certificate of the child;
• documents confirming that the family is on the waiting list for housing;
• credit or mortgage documents;
• documents for housing that is being purchased or built.

Affordable housing for young families in the Moscow region: government programs to support newlyweds

1. Both spouses have Russian citizenship.
2. The age of the married couple is not more than 35 years.
3. The presence of at least one of the couple of residence permits in the capital or region.
4. Placement in the queue for the improvement of living conditions.
5. The level of income sufficient to obtain a mortgage loan or purchase real estate.

Young family 2018

• Buying an apartment / house;
• Construction. This refers to both the erection of a private house and participation in the shared construction of an apartment building;
• You have the opportunity to pay for the registration of your rights as a homeowner from the received subsidy;
• If you took out a loan to buy real estate in the period after 2011, then you have every right to participate.

Young Family Program in 2018: how to participate, rules

An applicant couple will be eligible for a subsidy of up to forty percent of the value of the apartment. Thus, this factor will speed up the process of acquiring housing. The social payment functions according to the following criteria.

Last updated March 2019

The Young Family social program has been operating since 2011. It allows couples to receive subsidies from the state for the purchase of housing. In 2015, by a government decree, its operation was continued until 2020, however, with the introduction of certain changes to it in 2016. You will learn about them, as well as the conditions and procedure for obtaining, documents, applicants, and the body that deals with similar issues, from the article below.

What is the support of the Young Family Program?

Since this is a state program, young families or single parents with children are allocated money from the state budget, which they can use to improve their living conditions:

1. purchase housing;
2. rebuild it for yourself;
3. make a contribution to the housing cooperative;
4. make a down payment on a mortgage.

The allocated funds will be only a part of the amount that will be required for such operations. The rest (about 2/3) will have to be paid by the family from their own savings or from loans received in a mortgage or in another way.

What is the amount of assistance

According to the latest changes, the amount of assistance should not exceed 30% of the cost of the purchased housing. However, for families with children, this threshold is slightly increased - no more than 40%. In exceptional cases (large families, special circumstances), this amount may be 100%, but cases of payment of assistance in this amount are rare.

If you specify specific numbers, then you should take into account the level of the monthly income of the family (there is a certain minimum, if it does not meet, the family will not be able to participate in the program at all), as well as the number of people who make it up.

Attention! When calculating the number of people in a family, it should be counted together with children.

Example 1 Solovieva N. is a single mother, lives with her son with her parents. She wants to participate in the program, and therefore must confirm her average monthly income of at least 23,950 rubles, since her family consists of 2 people - she and her son. That is, she alone should receive a month (no matter salary, social benefits or profit from bank deposits) - at least 23,950 rubles.

Example 2 Rakitins N. and L. have recently got married, they have no children yet, but they also want to buy a house. They must submit a certificate from each from the place of work (or another certificate) that each of them receives more than so much that the amount of their income is 23,950. This does not have to be the amount - 11,975 r (half of the indicated amount), since one of the spouses can receive more, and someone less. The main thing is that their total income as a result exceeds the amount of 23,950 rubles.

Attention! If in the process of participating in the program, a child was born or adopted in the family, then such a family may qualify for an additional 5%.

Conditions for participation in the affordable housing program for young families in 2016

Those persons who, having read all the conditions of the “Affordable Housing for a Young Family” program, can apply for participation in this program, understand that they comply with each of them.

1. Living space is less than the minimum. This means that one person in your family actually has fewer square meters of living space than is established by local authorities for your region. The norm of the minimum living space is established by the Housing Code and is equal to 12 m2. However, the subjects of the Russian Federation can change it at their discretion by issuing relevant acts. For example, in Irkutsk and Samara - this is 15 m2, in Moscow - 18 m2. You can get accurate information for your region in the local administration in the department of housing policy and housing stock.

   Example 3. The Karpov family of three (husband, wife and one-year-old child) lives in Samara in a one-room apartment with an area of ​​29.6 m2. If we calculate how many residential meters per person, it turns out that 29.6 m2 / 3 ≈ 9.9 m2. This is lower than the established norm in Samara - 15 m2. This means that the Karpovs can apply for state assistance under the Young Family program.

2. The age of each of the spouses is from 18 to 35 years. It is important to know that age is taken into account when you apply, and not later when a certificate is issued. That is, those who became a participant in the program at the age of 34, and when they waited for their turn, they were already 35, still have the right to receive the required assistance.
3. The monthly household income must be at least:
   • 23 950 r - for a family of two;
   • 32 561 r - for three;
   • 48 020 r - for four.

   These figures will have to be confirmed by a certificate from the place of work or a certificate of receipt of social benefits, an extract from a bank account. Thus, only those who, in fact, can afford to pay 70% of the cost of housing out of their own pocket, can take part in the program.

4. Citizenship of the Russian Federation for all family members. And the children too.

Doesn't matter:

• the presence of children (they may not be).
• prescription of marriage (the concept of "young family" refers to the age of its members, and not to the length of stay in a legal marriage).

Where to go

To the local administration at the place of registration or at the place of residence. In the administration, these issues are dealt with by the Division/Department/Department of Housing. At different times and in different cities, it may be called differently, but the essence of this does not change: each administration has a separate structural unit that deals with housing issues, including the implementation of this program.

Documents to be collected

Before proceeding with the collection of documents, it is better to go to the local authorities and clarify the list, since in some regions it may be supplemented by other papers.

Submit your documents - what's next?

Further documents are reviewed and studied. Participants of the program will learn about the decision made on their application by mail - they receive a written notification. Usually the waiting time is 10-15 days. If after 15 days nothing has arrived, go and find out in person.

This federal program is being implemented as it is funded, that is, at the beginning you will be placed in a queue with the same families that participate in it. Later, when funds arrive and your turn comes up, you will be issued a certificate, and money will be credited to your account. Then - you can use them at your discretion, however, within the framework of the goals of the program.

Mortgage according to the program

Housing for a young family program 2016 provides an opportunity to take out a mortgage loan. This is the most affordable option of all for a young family, as it allows you to buy a property without having your own savings to pay the rest of the cost.

Mortgage implies lending against collateral, that is, the purchased property will act as collateral, which, being the property of a young family, nevertheless cannot be sold, rented out, etc. without the consent of the bank.

You can take out a mortgage under the program “Affordable Housing for a Young Family” (or simply “Young Family”) at any partner bank. The latter, in turn, provide reduced interest rates for participants in this program. To get a mortgage, you will need to provide a certificate and make a down payment, but first, show the bank the selected object so that it can evaluate it.

In principle, the procedure for obtaining a mortgage under the Young Family program, as well as its further payment, is no different from typical cases, but there are still a few points:

1. the presence of a certificate for the payment of a subsidy gives a chance to get a mortgage at a lower interest rate;
2. the amount for which a mortgage loan is issued should not exceed 2.2 million rubles (these are the conditions of the program).

Changes in program conditions in 2016 (comparison table)

According to the new rules, only those participants who submitted an application later than January 1, 2016 will spend targeted funds. The rest - even those who are in line, waiting for the transfer of budget funds - will manage the money received according to the old rules.

If you have questions about the topic of the article, please feel free to ask them in the comments. We will definitely answer all your questions within a few days. However, carefully read all the questions and answers to the article, if a similar question has a detailed answer, then your question will not be published.

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