Mortgage young family state program. Program "Young family" in the Moscow region. What is Young Families Help?

Mortgage conditions for a young family for 2016-2017 Good afternoon, young reader! This post is dedicated to you and your family.

My cousin's wedding took place that summer and, as a matter of course, they are now expecting a baby.

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

It’s good that we didn’t hurry, because there are special conditions for young families, including in our bank. He took over as 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 Mortgage for a young family in Russia is almost the only opportunity to become the owner of your own home.

Saving up to buy an apartment or build a house by yourself is very difficult.

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

Few would doubt that taking out a mortgage for a young family is like signing a pledge to volunteer to work all your life for the benefit of the bank. However, most 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 member of the state program to help young families.

Mortgage under the “Young Family” program is an opportunity to receive a significant state (support) subsidy when buying a home.

In addition, you can use the mortgage programs of banks. Mortgage programs for young families are available in many banks. 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.

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

Banking programs

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

reduced interest rate
no down payment or minimum down payment,
the possibility of deferred payment without imposing penalties,
concessional lending.

To join the mortgage program, a young family needs to act as follows:

To receive a government subsidy:

obtain the status of a family in need of better housing conditions;
join the Young Family program and receive a certificate confirming the right to subsidies;
apply to the branch of JSC "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 needy young families.

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

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

However, there are several universal ones.

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

age qualification;
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 job.

Among the additional conditions for obtaining a state subsidy, it is worth highlighting:

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

Mortgage documents

Among the common documents usually required by bank employees to apply for a mortgage, the following can be listed:

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

Banks may ask you to provide 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;
Russian Agricultural Bank.

Attention!

Now, in most cases, in order to get affordable housing for a young family, it is necessary to apply for 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 Given the importance of a 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 afford housing and, consequently, cannot afford to have a child.

State support for young families is provided under 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 the status as in need of better housing conditions;
There must be at least one child in the family. This condition is not spelled out in all programs (in some cases, the presence of children may simply increase the percentage of the subsidy);
the family must have a steady income to pay the state mortgage, or have their own funds to buy an apartment.

What are the state programs for young families?

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

Program goals:

to form 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 state. support (subsidy) in the acquisition (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 support programs for young families who need to improve their living conditions.

Program "Young family - affordable housing" for 2016-2017

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

The program is designed to solve the following important tasks:

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

The program "Affordable housing for a young family" should not be confused with the usual youth mortgages of commercial banks. “Affordable housing for a young family” is part of the comprehensive support of the MS by the state.

For young families participating in the subprogram within the framework of the national project, the state, in turn, allocates funds for partial payment for the purchased primary housing or for partial payment for the construction of their own house. In 2016-2017, it is planned to provide housing for 172,000 families in this way.

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

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, for four people, respectively, at least 43,350 rubles. In monetary terms, the payment for S. from three people is approximately 800 thousand rubles, from four people - about 1 million rubles.

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

In addition, the program provides for benefits and payments to large S. According to the demographic situation, each region provides its own additional material assistance, which, together with federal measures, becomes a comprehensive support for young S.

What documents are needed to receive a subsidy under the program

To participate in the Affordable Housing for a Young Family program, a family must submit the following documents to local governments:

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.

If a social payment is needed to pay off a debt on a housing loan, then you must additionally submit:

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

non-compliance of the family with the established requirements;
failure to provide the required documents;
inaccuracy of information in documents;
the family had already improved housing at the expense of the federal budget.

After receiving the notification, applicants must submit the application and documents referred to 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 targeted program. The necessary amount of the subsidy is credited to the account of this bank.

The bank issues a loan secured by the acquired property. The property is transferred to the family. The grant is given only once.

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

get on the regional register as a participant of the subprogram;
obtain a certificate, then transfer it to an authorized bank;
pick up housing, pay for it under a sale and purchase agreement through this authorized bank (add 70% of your own funds).

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

Here are some of the latest innovations:

from January 1, 2014, funds must be directed to the acquisition of only primary housing or to participation in shared construction;
it is not allowed to use the subsidy at any stage of the payment of the mortgage loan, as it was before;
it is not allowed to send 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 on the same terms.

What has remained unchanged?

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 a single parent) is not older than 35 years;
a young family should be considered as in need of better housing conditions;
the family budget must be sufficient to obtain a loan;
each member of the Family should have an insufficient number of square meters of living space (no more than 15) or there should be no housing at all.

Programs "Affordable housing for young families" in the regions

Affordable housing for young families 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.

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

Specialists should advise on social mortgages. At the request of the applicant, they must make preliminary calculations, taking into account the income of a young family, the size of the first installment, the size of the loan and its term, and the amount of monthly payments on the loan.

In Moscow, the sub-program "Affordable housing for young families" is being implemented not literally, but with some options, retaining only the principles and tasks defined in the federal targeted program.

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

Program prospects

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

The bill included, in particular, the following measures:

an interest-free loan to 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 pay off part of the loan debt and loan interest at the birth of a child.

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

Most likely, the action of the social project "Young Family", originally calculated 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 are just starting a family life, making it easier for them to solve the most pressing issue - the acquisition of their own housing.

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" 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 the cost of the project, which happened as a result of the crisis, causes concern among the members of the State Duma.

He said that the deputies will try to return the program to its original level. According to plans, about 170,000 Russian families and single parents will be able to get new housing. But what changes will the program undergo in 2016, and what are its features today?

What does Young Family guarantee?

Just to clarify: the extended program has undergone some changes. Initially, the range of possibilities that it opened up was wider.

Now it has narrowed, but the change in conditions will allow the state to help more people buy their own housing. Previously, a young family or a single parent could apply for better living conditions in various 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 condition that it was taken before January 1, 2011 .

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

However, the opportunity to receive assistance from the state is not provided to all citizens.

Advice!

Applicants are subject to a number of requirements. 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 should be proved that the applicants are in the queue for the improvement of living conditions and really need it.

Legitimate Reasons for Home Improvement

The conditions in which applicants live are unsuitable for this.
The applicant does not have his own living space, or the area for each family member is less than it should be for one person. This indicator is determined in accordance with the norms 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.
The person or couple wishing to participate in the program already has enough money to partially cover the purchase of a home or mortgage. The amount of the subsidy is not taken into account.

The state also imposes income requirements on citizens applying for 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 should account for at least 32 thousand 510 rubles, and you can count on a maximum of 800 thousand rubles.

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

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

Program "Young Family" in 2016-2017

In 2016, the program rules were changed. Among the main amendments that the plan for providing young families with their own housing has undergone, there are three.

If previously a subsidy could be obtained to repay a mortgage at any stage, now this is not possible. Under the new rules, it is impossible to pay off debts with the allocated money.
The new version of the program does not allow receiving state 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 an apartment or building. The difference will have to be paid on its own or through a loan.

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

How to become a member of the program?

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

And secondly, in order to participate in the Young Family program, a package of documents should be submitted to the authorized body (most often it is the district administration). They must confirm several important facts about the family.

Mandatory documents The package must contain an application with a request to enter the program.

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

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

The application should provide arguments why this particular person or family needs state assistance.

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 have 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 the family or citizen has. In this case, the task of the documents is to confirm the solvency of applicants. Only those who will be able to repay the debt can count on help.

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

Take care of the extract from the house book. 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 on the waiting list for housing.

Attention!

To do this, you should take care of a certificate certifying the queuing.

The list ends with information about the place of residence of the couple or citizen. It should cover the period for 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 lease agreement, etc.). But if this is not possible, oral evidence can be dispensed with.

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

Many young spouses are in a far from better financial situation for a very long time.

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

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

Some programs of a social nature 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 entered the program in 2019 can expect to receive preferential social subsidies in the amount of 30% of the cost of the purchased housing.

State assistance to families in the countryside

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

a one-time allowance dedicated to the birth of a baby (16,759.09 rubles - increases annually). Payment can be received by any of the parents / guardians at the place of their official work or at the department of social protection of the population in accordance with the registration.
RUB 655.49 if the woman was 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 work due to the fact that the enterprise was liquidated or the individual completed its activities.

State assistance may differ depending on the region of residence, so information on the due payments must be clarified on the spot.

Benefits and payments to large families

A by-law - the Decree of the President of 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 measures are of a generally accepted nature and are applied in all regions of the country.

A large young family has the right to the next state aid:

In addition, a large young family can count on:

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

How to get help

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

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

Obtaining a certificate in accordance with the program "Maternity Capital" involves the following procedure:

Writing an application (the standard form is in 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 right of a person to receive a certificate in the event that it was not the mother of the children who came for him.

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

Regional assistance

Rostov region invites young families to take advantage of the conditions of subprograms that involve state support in improving housing 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 your housing loan debt in the event of the birth (adoption) of a baby;
subsidies for the purchase (construction) of housing, for the provision of which a young doctor or a worker in a scarce profession in the health care system can apply.

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

The following financial state assistance is provided:

Citizens registered as in need of better 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. At the same time, the initial contribution 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 installment + 30% of the cost must be paid immediately;
the rest must be repaid within 10 years.
Only those families who have lived in the region for at least 10 years can use these conditions.

Period of validity of the state program "Young Family" in the Krasnodar Territory 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 involves commercial banks in cooperation, which should provide young people with the opportunity to receive preferential mortgage lending (reduced rates, repayment of mortgages through state subsidies, etc.).

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

For preferential mortgage lending for young families, see the following video:

The inaccessibility of separate housing is a problem faced by many young families.
Of course, few people want to live with their parents, but it is a rather expensive occupation.

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

If we compare the cost of renting a home with the income of an average family, it becomes clear that for the majority this is an unbearable expense.

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, in 2011 the government of the Russian Federation introduced the federal target program “Housing”, which will be valid until 2020.

As for young families, “Housing” has a special sub-program “Provision of housing for young families”, or “Young family”, which has been operating since 2015.

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

What are the goals and conditions of the program?

Like other similar state programs, “Young Family” has as its goals such items as:

State support for citizens with low incomes;
Development of construction volumes in the Russian Federation.

Since the beginning of its work, 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 created 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 increase in the cost of labor and building materials, the price rose.
Representatives of local authorities, for example, such cities as Chelyabinsk, Tambov, Cheboksary, Ulyanovsk, Bryansk, Omsk, Tomsk, Kostroma, Perm, Belgorod, Magnitogorsk, Ufa, 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 over the determination of the procedure for valuation activities in the country is carried out.
Each house should be located in a place of developed infrastructure, which should be at a small distance from the building. The objects 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 state assistance.
“Providing housing for young families” provides for the possibility of acquiring only those apartments that are located in newly built houses.

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

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

State assistance can be used exclusively for the acquisition of housing in the primary market or for participation in shared construction. Participants may not consider the secondary market at all.
Assistance provided by this program may not 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 member of the Young Family Program?

It is no secret that this state program in 2017 offers excellent opportunities and this 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 - up to thirty-five years old can participate in the program.
The applicant must be a citizen of the Russian Federation.
A potential participant in the program must have official permanent employment registration in accordance with the labor legislation of Russia.
A young family may not have children (in this case, family members must be Russian citizens), or have one or more children (in this case, one of the parents is allowed to have citizenship of the Russian Federation). There may also be cases of an incomplete family with one or more children, but the parent must be a citizen.
Family members must have their own housing, which is not enough in area for a comfortable stay (at least 10 square meters is required per person).
Regarding the level of income 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 wealth should be sufficient to take a mortgage loan from a 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 four, then more than forty.
The house in which the family lives is subject to reconstruction or demolition and is in disrepair.
If there are minor children in the family who are holders of maternity capital, in this case the assistance should be used to purchase housing.
A young family should be recognized as having many children.
A potential participant is a veteran who participated in hostilities. Local administration may designate other social classes.

What documents do you need to prepare to apply?

An applicant who meets all the criteria must select the necessary documents for the application.

Also, the level of family income is checked.

You must submit a 2-personal income tax 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:

Copy of the passport of a citizen of the Russian Federation;
A copy of the birth certificate of the child (if lost, it can be), as well as a certificate that confirms the receipt of assistance from “Maternity Capital”;
If potential participants are married - a copy of the marriage certificate;
A certified copy of the work book (it can also be lost);
In order to confirm the level of income of each of the family members, an appropriate certificate of income is required;
If the family has a bank account or if it receives social assistance, an appropriate certificate is needed;
To confirm the actual composition of a young family, you need;
All documents that can confirm the ownership of the family's living space;
In order to certify the number of persons registered in the dwelling and the state of the personal account for living space, certificates from the 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, conducted by the state.

What is the amount of the subsidy?

If we talk about the amount of material assistance provided by the state, then it mainly depends on the number of family members and whether there are children in it.

Thus, each case of payments is calculated separately. 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 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 material assistance, while a family with children - 35% of housing cost reimbursement.

Where can applicants apply for the program?

To participate in the Young Family program in 2017, citizens must apply to local governments depending on their place of residence.

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.

An employee of the city administration accepts the application, after which it is considered within ten days.

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

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

Important: to obtain a certificate, citizens need to wait for their application to be considered.

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

What you should pay attention to

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

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

Given this, as well as control over the implementation of the state program at the federal level, we can say that it is successfully operating.

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, it is forbidden to buy secondary housing under the program.

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

Also, participants should remember that they will not be full owners of housing until they fully pay off their mortgage debt.

How to get housing or the Young Family Program

Since 2012, the Government of the Russian Federation has implemented several projects that 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 ensuring that a young family can acquire their own housing in a short time.

The essence of the Young Family program and its benefits

Using the "Young Family" program, young families can easily buy an apartment or a house.

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

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

the area of this housing does not exceed 42 square meters. meters (taken into account for two);
in a family of three, each of them has no more than 18 square meters. meters.

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

the possibility of deferring payments;
down payment can be from;
the minimum installment payment is at least 10% of the total cost of the apartment or house.

Amount of aid

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

In the event that 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, the amount of financial assistance is calculated on an individual basis.

For taking part it is necessary to apply to the executive body at the place of residence, to clarify the addresses of the construction of new buildings. After the final decision on which new building is specifically in question, the young family begins to implement collection of all necessary documentation.

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

Conditions for receiving a subsidy

Without any doubt, not all young families who live in the Russian Federation can take advantage of this program. There are certain conditions under which you can participate in this state program.

Basic conditions include:

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

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

In the event that the inspection body reveals the use of the allocated funds for other purposes, mortgage lending stops its operation, and the case is referred to the court for an administrative offense.

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:

In the event that the entire package of documents has been collected, the young family is sent to the city (district) administration to be placed in the queue of their family. It is worth noting that the submission of this package of documents can be either joint or can be entrusted to this one of the spouses.

The authorized person who accepts documents is obliged to conduct a consultation on the further actions of the young family in order to receive the subsidy as soon as possible.

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

Often, difficulties arise due to bureaucratic delays.

The whole process of collecting the necessary documentation, including the timing of their consideration, takes a huge amount of time. Moreover, the application can be considered for several months.

In addition, there is a limit on the number of young families who are eligible to participate in this program, and it is also worth noting that there is a live queue.

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

Registration procedure

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

It can be of several types, namely:

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

Reasons for the decision failure can be:

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

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

After the 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 of the family members. All funds are credited to a bank card.

In the process of acquiring housing, a young family must submit documents to the executive body that confirm purposeful use allocated funds, namely:

certificate of purchase of housing (as a rule, this is a contract of sale);
the number of the account to which the funds were transferred (with a full indication of all the details of the company of the developer 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, it becomes not easy to become the owner of an apartment. In such difficult conditions, the participation of state structures in solving the problems that have arisen is becoming increasingly important. Young people have already experienced the benefits of the Young Family program, which helps to get affordable housing with the help 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 gives serious guarantees to all participants. Within the framework of such a program, a family can count on social benefits to purchase housing or improve living conditions. Applicants must meet certain criteria in order to qualify for government benefits under this program. This applies to the age of the spouses, financial situation and social status of those in need of better living conditions.

How the state supports young families

The beginning of the implementation of the housing target program dates back to 2002. This federal project was launched to provide housing for needy categories of citizens and addressed 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 abbreviated form - the Young Family Program), distributing housing certificates, the owner of which received a subsidy from the state.

Program Goals

The main purpose of this project is state support in the acquisition or construction of residential real estate. This is done in a variety of ways, such as by applying for a subsidy for home loans or paying for a contract to build a house. The participants of the subprogram can become spouses who need to improve their living conditions and who have not reached the age of 35 years.

State programs for young families

The deadlines for the implementation of the next stage of the state program were determined for the period 2011-2015, but then the deadline 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 state subsidies, which has a clearly defined target audience and social orientation. According to official data, over the first four years of implementation, about 108.5 thousand participants in the target program were able to improve their living conditions.

“Affordable housing for young families”

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

Regional program "Provision of 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 the region or the republic determine the amount of subsidies, therefore, in different regions there are different norms for the provision of social payments from regional budgets. At the same time, the very entry of the region into the program for providing young people with affordable housing takes place on a competitive basis.

What is Young Families Help?

Insisting on the targeted spending of the funds received, the state provides ample opportunities for the use of the received subsidy to young families. Social Security can be used to:

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 first installment is paid at the expense of the subsidy.
Payment for a housing construction cooperative - this should be the last installment, after which the living space becomes the property of the participant in the program.
Repayment of real estate loans – both principal and interest. At the same time, it is important that the bank loan is not overdue and received before January 1, 2011, and that the housing has been checked for compliance with the economy class.

Subsidy amount

State payments are provided for targeted spending (which is confirmed by obtaining a certificate), therefore, they can only be used to improve living conditions. One of the basic factors that determines the amount of subsidy a participant receives is the Estimated Real Estate Value (ARV). In this case, if:

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

The estimated value of real estate is calculated by the formula RSN = NOP x HC1, where:

NOP - the norm of the total area (for example, for two people - 42 square meters);
HC1 - the standard cost of 1 square meter, established by the local government.

Additional benefits for large families

A family with three or more minor children is considered to be a large family. The Decree of the Government of the Russian Federation “On the Federal Target Program for Housing” specifically emphasizes that large families are one of the priority categories. For them, a benefit is provided - a larger subsidy in relation to the estimated cost of housing. For example, if a simple cell of a society 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 member of 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 there is compliance with the necessary requirements and all documents are provided, the participant may apply for a subsidy. An apartment in a mortgage for a young family is the most common application of a social payment, which will be a down payment on a loan.

Mortgage conditions for a young family

In the context of the wide popularity and mass fame of the Young Family program, many banks offer mortgage products designed for those who have agreed to participate in this project. This is a very attractive category of clients, given the state funding of the program and additional subsidies from local budgets, which is why such a borrower will be much more likely to get a mortgage 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 of the spouses does not exceed 35 years.
In the absence of 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 needing housing by local governments and have an area less than the accounting norm.
Applicants must have sufficient funds, together with the subsidy, to purchase real estate, or they must have sufficient income to qualify for a mortgage loan.

Where to go

Applicants who meet all the criteria and want to take advantage of the benefits offered by this subsidy program submit an application to the local government of their place of residence. More information is available on the website of the Department of Real Estate - if you have any questions related to paperwork, you can contact them by e-mail.

What documents are needed

The list of documents that the Young Family program requires from participants is 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 on the financial condition of the spouses.

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

Copy of the loan agreement.
A document confirming the need to improve living conditions at the time of issuance of mortgage funds.
A certificate from the bank on the amount of the balance of 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 subsidizing project is an additional guarantee for a credit institution, because in this case the borrower already has the funds for the first installment, plus his solvency has been verified by government agencies.

Which bank can you get

The Young Family program has proven itself well in the banking segment, and major players - Sberbank, Rosselkhozbank, VTB24 - offer mortgage lending to participants 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), at a reduced loan rate. For those who take advantage of this offer to apply for a loan, the bank has a special benefit - at the birth of a child, payments can be deferred for up to one year.

Registration procedure

The subsidizing procedure and further related actions are carried out for the project participants in several stages:

Submission of a package of documents to the local government, where within 10 days they must decide whether to accept the candidate or refuse.
Until September 1 of the current year, a single list of participants is being prepared, taking into account all submitted applications. Priority in the queue is given to those who are registered as in need of improved housing conditions before March 1, 2005 and those with many children.
After the government approves the size of social payments for the next year, lists for payments are approved. All those on the list are notified that they will be paid a subsidy.
After filling in the necessary documents, the participant receives a certificate of entitlement to receive social benefits. The certificate should be handed over to the bank where the account is opened, to which the local government transfers funds for the intended use.
Having received an order from the project participant, the bank transfers the money to the 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, the project implementation focuses 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 slightly stricter than for the regions. It is mandatory for candidates to:

that both spouses be citizens of Russia and at least one of them has Moscow registration;
be on the waiting list for improving housing conditions (or registered as in need of improvement);
have an appropriate level of income, making 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, apply to the Department of Housing Policy and the Housing Fund of Moscow. An employee of the fund will not only accept your documentation, but also check the correctness of filling out the application, issue a receipt of receipt. Since the second copy of the application with the signature on acceptance of the documents will remain with you, make it in two copies in advance.

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

Where can I spend the money received under the housing program

It is envisaged that the amount received will be spent on the purchase of housing, while there are two options for buying and selling - with the help of 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 lowering conditions. For example, the first payment is 20-60% of the value of the property, but it will be 15% if you have two children and 10% if there are three.

The total amount of the redemption and the amount of interest for the installment plan is 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 sale and purchase agreement may be terminated.

Pros and cons of the Young Families Assistance Program

The positive aspects of this social project are obvious - this is material and organizational assistance to young spouses in order for them to acquire their own housing. By taking part in this project, you can quite reasonably expect that your housing problem will be resolved for the better soon. You will get real estate with a restriction 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 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 as much as two spouses with one child, then it is easy to see that there is still room for improvement in the project.