Federal program to help a young family. State aid for young families. How to get a housing certificate for a young family from the state

Content

At the level of constant increase in property prices, it becomes difficult to become an owner of an apartment. In such difficult conditions, the participation of state structures in solving the problems that have arisen becomes more relevant. Young people have already appreciated the benefits of the Young Family program, which helps them get affordable housing, with the help of subsidies. For the implementation of this project in 2016-2020 from federal budget more than 3.5 billion rubles were allocated.

What is the Young Family program

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

How the state supports young families

The beginning of the implementation of the target program Housing dates back to 2002. This federal project was launched to provide housing for the needy categories of citizens and solved a wide range of related issues (modernization of communal infrastructure, etc.). The basic directions of the project included the implementation of the Subprogramme Providing Housing for Young Families (better known in its abbreviated form - the Young Family program), which distributes housing certificates, the owner of which received a subsidy from the state.

Objectives of the program

The main purpose of this project is government support in the acquisition or construction of residential real estate. This is done different ways, for example, by applying for a subsidy for home lending or payment of a contract for the construction of a house. Spouses who need to improve their living conditions, who have not reached the age of 35, may become participants in the subprogramme.

State programs for young families

The timing of the next stage of the state program was determined for the period 2011-2015, but then the period was extended until 2020 without significant changes. All this allows us to speak of 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, in 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 a young family"

The emergence similar project was quite predictable in the existing social norms and public policy for health improvement demographic situation... At the same time, it is important to note that within the framework of the housing provision subprogram, it is possible not only to acquire your own real estate from scratch, but also to improve existing conditions. This is especially true for large participants - if the apartment in which they are registered does not correspond to the norm (each has less than 18 sq. M) - 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 is carried out 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 of providing young people with affordable housing takes place on a competitive basis.

What is helping young families

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

• Home purchases - for example, an apartment from a developer, where part of the cost is paid through social benefits.
• Construction of a residential building - in this case, the cost of a construction contract is paid.
• Receipt mortgage loan- the first installment is paid at the expense of the subsidy.
• Payment for a housing construction cooperative - this must be the last installment, after which the living space becomes the property of the program participant.
• Repayment of real estate loans - both principal and interest. At the same time, it is important that Bank loan was not overdue and was received before January 1, 2011, and the housing has been tested for compliance with the economy class.

Subsidy amount

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

• The spouses are married, but have no children - the amount of social benefits is at least 30 percent of the RDI.
• There is 1 child or more (this includes single-parent families) - the subsidy is provided starting from 35 percent of the RDI.

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

• NOP is the norm total area(for example, for two people - 42 square meters);
• НС1 - standard cost of 1 square meter, established by local government.

Additional benefits for large families

A family with three or more minor children is considered a large family. Resolution of the Government of the Russian Federation "On the Federal target program Housing ”specifically emphasizes that one of the priority categories is large families. For them, a benefit is provided - a larger subsidy in relation to the estimated cost of housing. For example, if a simple unit of society of three people can get 600,000 rubles for a social mortgage, then a large one - 1,000,000 rubles or more, depending on the number of children.

How to become a member of the program in 2019

The terms of participation in the project have not changed over recent years, which gives all candidates the same rights. If there is a match necessary requirements and all documents are provided, the participant can apply for a subsidy. An apartment in a mortgage for a young family - this is the most common application of social payments, which will be the down payment on a loan.

Mortgage conditions for a young family

Given 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 considering government funding programs and additional subsidies from local budgets, which is why such a borrower will receive a mortgage much more willingly than ordinary clients.

Borrower requirements

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:

1. The age of each of the spouses does not exceed 35 years.
2. 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 citizen of Russia.
3. Applicants must be recognized as needing housing by local governments and have an area less than the accounting standard.
4. Applicants must have sufficient funds together with the subsidy to purchase real estate, or they must have sufficient income to obtain a mortgage loan.

Where to go

Applicants who fit all the parameters and want to take advantage of the benefits this subsidy program offers, apply to the local government authority in their place of residence. More detailed information is available on the website of the Real Estate Department - if you have any questions related to paperwork, you can contact them by e-mail.

What documents are needed

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

1. Application in the prescribed form.
2. Copies of passports of both spouses, birth certificate of the child (children).
3. A copy of the marriage certificate (does not apply to an incomplete family).
4. Documentary evidence of the need to improve living conditions.
5. Documents about financial condition 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:

1. A copy of the loan agreement.
2. A document confirming the need to improve housing conditions at the time of issuing mortgage funds.
3. Certificate from the bank on the amount of the balance of the principal debt and interest.

Preferential mortgage for a young family with state support

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

Which bank can you get

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

Registration procedure

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

1. Submission of a package of documents to the local government, where within 10 days they must make a decision - to accept the candidate or to refuse.
2. Until September 1 of this year, a single list of participants is being prepared, taking into account all submitted applications. Priority in the queue is given to those registered as needing better housing conditions before March 1, 2005 and those with many children.
3. After the government approves the size of social payments for the next year, the lists for payments are approved. All those on the list are notified that they will be paid a subsidy.
4. By filling in Required documents, the participant receives a certificate of the right to receive social benefits. The certificate should be handed over to the bank, where an account is opened, to which the local government transfers funds for the intended use.
5. Having received an order from a 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 point is that, although the program is financed from the federal budget, the project implementation focuses on work in the regions for which the funds are allocated. But at the same time, residents of the capital did not stand aside - a special Moscow program was launched for them, which can be called a city initiative funded from municipal funds.

Who can claim

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

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

How the queue is formed for the Young Family program

Muscovites who want to take part in this project should prepare an application, and after collecting a package of documents, contact the Department of Housing Policy and housing stock 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 for receipt. Since the second copy of the application with the signature on the acceptance of documents will remain with you, make it in two copies in advance.

The queue for the city housing program includes several categories of those in need, with a 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 a 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 use maternity capital.

Where can you spend money received under the housing program

It is envisaged that the amount received will be spent on the purchase of housing, while there are two options for buying and selling - using social mortgage or by 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 property value, but it will be 15% if you have two children, and 10% if there are three of them.

The total amount of the redemption and the amount of interest for installments is determined regulations 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 the event of a long delay, the sale and purchase agreement may be terminated.

Pros and cons of the young family assistance program

The positive aspects of this social project obvious - this is material and organizational assistance to young spouses so that they acquire their own housing. By taking part in this project, you can reasonably expect that soon your housing problem will be resolved for the better. 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.

Other disadvantages are often called too high requirements for those who are issued housing certificates - since these people have sufficient income to obtain a mortgage, how badly do they need a subsidy? If we compare this with the fact that a single mother with two children can get the same amount as two spouses with one child, then it is easy to see that there is still something to be improved in the project.

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Conditions of the Young family program - who is eligible to participate, documents, procedure for their submission and consideration

Real estate in Moscow is the most expensive in the entire territory of Russia. Many young families registered in the city need to improve their living conditions. And not everyone can afford to buy their own housing, even taking into account the Moscow salaries and on credit.

In most regions of Russia, there is a set of initiatives under the general title “Affordable Housing for a Young Family”. A program to help family youth has also been introduced in Moscow. In the capital, it has been operating since 2003 and does not apply to residents of the Moscow region (there is a regional program in place).

In Moscow, the program only saves general principles state housing initiative. It has its own characteristics and develops according to a separate scenario. According to her, young families are invited purchase apartments at a reduced price belonging to the city.

Young families with children can receive partial write-off housing provided to them.

The Moscow program is designed to help families with a sufficient level of income, which allows them to pay off loans (installments), but does not allow them to accumulate money for an apartment in a moderate period of time. The program brings the moment of buying their own home for a family closer.

Housing programs for young families in Moscow

V Russian Federation there is a nationwide program “Affordable Housing for Young Families” (Resolution No. 889 of 25.08.2015). It provides for financing a number of regions from the federal budget, in 2017 there are 74 of them. Money for Moscow from the state budget in 2016-2017. did not stand out. That is, formally the state program does not work here.

Moscow has city ​​initiative, the purpose of which is to help residents of the city in purchasing housing. It functions within the framework of the Moscow state program "Housing" for 2012-2018, or rather, subprogram 2 "Fulfillment of state obligations"(Resolution No. 454-PP 09/27/2011). Now the third stage is in effect initiatives.

According to the program, young families are one of the population groups (group 6 out of 8), along with others, which are provided with discounted apartments... In addition, they can receive partial compensation (write-off) of the cost of housing purchased in installments.

The objective of the program is to exclude an increase in the number of young families registered with housing as in need of better living conditions. In accordance with this principle, a certain number of apartments and amounts are allocated annually to ensure cash write-offs. Other tasks: to reduce social tension in the city, to contribute to the improvement of the demographic situation, to make housing more affordable.

Who is eligible for the grant (conditions of participation)

Participation in the Moscow program can be complete families with or without children, in which the age of each of the parents does not exceed 35 years (inclusive). If a couple has no children, they must have been married for at least 1 year. May also participate single parent families where the age of the father / mother also does not exceed 35 years. The following conditions must be met:

• Applicants must be registered as needing housing improvements. Or stand in line to receive help from Moscow in acquiring housing.
• At least one of the spouses / parents must have Moscow registration.
• All family members must be Russian citizens.
• The family must have an income that allows them to pay off the mortgage or installments.

The presence of children in the family is really not necessary. But applicants with many children, as well as those who have disabled children, are entitled to partial compensation for the cost of housing that they buy from the city, and to the first places in the queue.

Some families are participating in the urban 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 (and they meet the conditions), the legislation provides for their transfer from one group to another. For example, from 1st or 2nd to 6th.

What is the amount of social benefits provided

Apartments for young families in Moscow not provided free of charge... Applicants are offered to purchase a dwelling at a discounted price using own funds ... For families of certain categories there is an opportunity writing off part of the surrender value apartments purchased from the city. The write-off amount is as follows:

• 30% - for parents with three or more children or at least one disabled child (if these children exist before the conclusion of the program agreement).
• 30% - in case of birth or adoption in the family of a child after the conclusion of the contract (but not more than the amount left to pay). The write-off is carried out in accordance with the decree No. 461-PP dated July 6, 2004. It is provided for every child born (adopted) during the term of the contract.
• Full write-off of the balance of arrears at birth for applicants with twins, triplets or a disabled child. Not available for adopted children. It can only be allocated if the family adhered to the payment schedule.

If applicants received a 30% write-off as large children, and then they had another child, they can use the birth / adoption benefit (another 30%). Young families when buying a home under the Moscow city program along with their own funds it is allowed to use maternity capital.

Earlier (until 2009), the size of the write-off at birth / adoption of a child was determined differently. The cost of 10 m², 14 m², 18 m² was written off when the first, second, third / next baby appeared in the family, respectively, during the period of the contract. Now this rule does not apply.

The redemption value of 1 m² and the amount of interest for the installment plan is determined by regulations Moscow. The purchase price depends on the standard cost of housing in the city. The average market value of 1 m² of residential space in Moscow in the 2nd quarter of 2017 is 90,400 rubles.

Also, a young family receives compensation for the funds that it spends on the lease (sublease) of a dwelling. If the family has a disabled child, or two or more children, compensation is calculated with a coefficient of 1.95.

Where to apply for the "Young Family" program in Moscow?

Queues for the provision of housing from the city's reserves are formed separately for each type of use. When forming them, the following are taken into account:

• date of registration of the family as needy;
• number of children (presence of a disabled child);
• availability of benefits or other preferences for citizens living with a young family;
• number of available square meters per person.

Families with three or more children have the preferential right to conclude a contract. Or in which twins, triplets or a disabled child will be born (will be adopted).

Lists on next year are formed annually as of January 1. You need to apply for participation in the program once. The serial number of the participant in the list in different years can change in both directions.

How to use the Young Family subsidy

This type of assistance can be used to purchase housing (apartment), which is geographically located within the city of Moscow. There are two options to choose from purchases under a sales contract:

• By installments... The contract is concluded for a period of up to 10 years, payments on the balance are quarterly. The first payment is 20-60% of the purchase price of the apartment. It can be reduced to 15% (if the family has two children), 10% (three children), changed to 10-80% (if the applicants have a disabled child).
• WITH using social mortgage.

It is believed that if a family has the means to pay the entire amount for housing at once, then it does not need help from the budget. Therefore, apartments are provided in installments or mortgages.

The premises provided to the applicants remain city property until payments are complete. At that time the family must maintain the premises, pay utilities and repairs at their own expense in full. If maintenance payments are delayed for more than 6 months, the sale and purchase agreement with the family may be terminated.

Given the importance of a correct demographic policy, the state seeks to help young families improve their living conditions. Without support from the budget, most young families simply cannot purchase housing, and, accordingly, cannot afford to have a child. Comprehensive support of a young family (hereinafter referred to as MS) from the state at the legislative level is enshrined in various programs that are similar in nature.

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

• each of the spouses (and if the family (hereinafter - sometimes S.) is incomplete, then the only parent) must be no older than 35;
• the family must register the status as in need of housing improvement;
• the family must have at least one child. This condition is not spelled out in all programs (in some cases, having children may simply increase the percentage of subsidies);
• the family must have a steady income in order to pay for the state mortgage, or have their own funds to buy an apartment.

What state programs exist for young families?

The Federal Target Program (FTP) "Housing" for 2011-2020 was approved by a government decree in December 2010. It was developed to solve the housing problem in general.

Objectives of the program:

• 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 - the author's.) Comfortable housing - for the 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 2011-2020.

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

Program "Affordable Housing for Young Families" for 2011-2020

The project is ultimately aimed at increasing the population. The program is designed to solve the following important tasks:

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

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

Young families - participants of the subprogram within the national project the state, in turn, allocates funds for partial payment for the purchased primary housing or for partial payment for construction own home... For 2012-2019, it is planned to provide housing for 172 thousand families in this way, spending 313.13 billion rubles. budget money and citizens' own funds.

Sources of financing:

• federal budget - 28.18 billion rubles;
• budgets of the constituent entities of the Russian Federation - 65.76 billion rubles;
• own and borrowed funds families - 219.19 billion rubles.

Thus, 70% of payments are provided by families, and 30% - by the state.

Note that until 2014 this federal program provided a subsidy for the purchase of housing and material assistance to pay off the debt on a mortgage loan. But in relation to those project participants who joined it in 2014, adjustments were made. The rest of the participants (who joined earlier) will receive subsidies in 2019 according to the previous scheme.

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

This size is expressed not in money, but as a percentage of the average cost of housing. In 2019, for the participants who entered the program, the following amount of material assistance is provided:

• A 35% subsidy is received by a family without children. The size family budget for a two-person S., there 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, out of four, respectively, a person should be at least 43,350 rubles. In monetary terms, the payment for a S. out of three people is about 800 thousand rubles, for four people - about 1 million rubles.

If program participants give birth or adopt one child, then they can receive 5% or more additional subsidies.

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

What documents are needed to receive a subsidy under the program

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

• application of the established form in duplicate;
• passports of spouses or single parent (copies);
• marriage certificate (for a complete family);
• birth certificate of a child;
• documents confirming the presence of the family among those 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 home loan, then additionally you need to submit:

• a document confirming the ownership of housing, purchased or built with the help of a mortgage loan (a copy of the certificate of state registration);
• 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 the debt on the payment of interest on the mortgage loan.

The authority makes a decision on the recognition of this MS as a participant in the program, then notifies about it. After receiving the 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;
• earlier S. had already improved housing at the expense of the federal budget.

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

When the family receives a personal certificate in return, it must send it to any of the partner banks of this federal target program. The required amount of the subsidy is credited to the account of this bank. A bank is issued a loan secured by the purchased real estate. The dwelling is transferred to the family. The subsidy is granted once.

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

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

Changes in 2019

The main points of the program remained unchanged. Here are some of the latest innovations:

1. from January 1, 2014, funds must be directed to purchase only primary housing or to participate in shared construction;
2. it is not allowed to use the subsidy at any stage of the mortgage loan repayment, as it was before;
3. 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 any changes. Thus, the criteria for participation in the project remained the same. They are as follows:

• Russian citizenship;
• the age of the spouses (or single parent) is not older than 35;
• a young family should be counted as in need of better housing conditions;
• the family budget must be of sufficient size to receive a loan;
• for each member of S. there must be an insufficient number of square meters of living space (no more than 15), or there must be no housing at all.

Programs "Affordable Housing for Young Families" in the regions

Regional programs of assistance to young S. (created on the basis of the federal target program "Zhilische") operate in 80 constituent entities of the Russian Federation. At the same time, each region takes into account its own capabilities and sets priorities and preferential order of priority itself.

There are the following options for social mortgage, which the legislation provides:

• subsidies for a portion of the cost of housing acquired through a mortgage;
• sale municipal apartments on credit and at a reduced price;
• reimbursement of a part of the rate in interest on a mortgage loan.

In different regions there are different types social mortgage. 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 mortgage issues. At the request of the applicant, they must do 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, the amounts monthly payments on a loan.

In Moscow, the “Young Family - Affordable Housing” subprogram is being implemented not literally, but with some options, keeping only the principles and objectives defined in the federal target program. Thus, social payments to young S. are not issued, but they are allowed to buy real estate in the capital at discounted prices, which is the property of the city.

In the Moscow region, the program operates in a classic form.

Perspectives

Since 2018, 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 provided, in particular, for the following activities:

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

However, this bill has not been adopted, it is still under consideration.

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So, in 2019, there are no significant changes in state support C. compared to the previous year. Most likely, the action of the "Young Family" social project, originally calculated from 2011 to 2019, will be extended for several more years - until 2020.

It's no secret that young families often experience financial difficulties. In this regard, the government of the Russian Federation is developing federal social programs aimed at facilitating material issues.

The issue of their own housing is especially acute, unfortunately for the majority of young families to independently resolve the housing issue is still an unsolvable task.

The federal law "On additional support for young families" provides for the following ways of solving the housing issue:

• interest-free loan, which is allocated (for 25 years) for large families for the purchase or construction of housing;
• mortgage with a low interest rate;
• partial (incomplete) debt repayment.

The most famous programs are - "Housing", "Young people - affordable housing", "Young family" and others.

Housing program

It is aimed at families in which each of the family members is under 35 years old. To participate in this program, you need to stand in line to improve your living conditions. The essence of the program is in the issuance of the state housing subsidies, and the size of the subsidy is not the same and depends on the price of housing in a particular region.

Mortgage apartments for young families are provided on the following conditions:

• in the absence of children, the state pays about 30% average price housing;
• another 5% is added for each child.

The rest of the amount can be borrowed from a bank that participates in the program and provides such services to young families. As a result, the family receives a preferential mortgage, taking into account the first installment.

Young Family Program

A social program created for families with children, which makes it possible to obtain a mortgage on the most beneficial mutual agreements. The main advantages of the program:

• starting (initial) payment - 10%;
• interest rate - 11% (per annum);
• as down payment you can use maternity capital or other subsidies.

A young family can take part in the program, including an incomplete one, which has:

• one or more children, while the age of the parents (or one parent) is not more than 35 years old;
• two or more minor children and is a recipient of maternity capital;
• three or more children.

The conditions of this program function within the framework of the programs: "Social bank: apartment", "Social bank: maternity capital".

Registration procedure

First, you need to resort to the state program of assistance to young families, standing on the line to improve housing conditions. The received social assistance can be used:

• for the purchase of housing;
• purchase of real estate under construction;
• building your own home.

In addition, funds can be used both for the payment of the first installment and for the final payment on account of the share contribution of a young couple who is a member of a housing construction or housing cooperative.

Having previously prepared the necessary documents that confirm the family's income, you need to contact a banking institution for a mortgage loan.

Required package of documents

Documents that bank employees usually require when applying for a mortgage:

• original (copy) of registration of place of residence;
• documents (copies) evidencing marital status;
• educational documents;
• work book (copy), certified by the employer;
• employment contract (copy);
• certificate (form 2-NDFL);
• documents confirming income.

Banks may also require additional documents, which are necessary for the final decision on the mortgage loan.

Affordable Housing for Young People

A participant in this social program can be a young family in which the spouses are less than 36 years old, or an incomplete family, which consists of one young parent the same age. Moreover, registration as "needy" will not be enough, you must have sufficient income to obtain a loan or mortgage loan. Only in this case, the family can apply for participation in the state program and government subsidy for housing.

To participate in the program, spouses submit the following documents to local governments:

• application in duplicate;
• documents confirming the identity of family members;
• Marriage certificate;
• a document that confirms the need for a family to improve their living conditions;
• documents confirming income;
• an extract from the house book.

Local authorities within 10 days from the date of submission of documents, check all the information contained in these documents, and make a final decision. A young family is notified of the decision local governments in writing.

After a positive answer, the family receives a personal certificate valid for two months from the date of issue. This certificate is submitted by the owner to the partner bank of the social program to open a personal bank account intended for crediting the subsidy, where a young family can immediately apply for a loan.

Real estate acquired on a mortgage loan automatically becomes the property of the borrower, but until the end of loan payments, it is pledged to the bank.

You can take part in such a program only once. An exception is the situation when the family, having received permission, for some reason did not have time to use it. Then she can get a second permit, providing a certificate stating that the bank account on the mortgage was not opened and social benefits were not received.

Money for a young family can be transferred to an account by both federal and local authorities, depending on which mortgage housing program is currently operating in this region.

The state of Russia helps the newlyweds as much as possible and supports them at the highest level that is possible. Housing program a young family 2017 just implies such support from the government and authorities. It is aimed at the opportunity for young couples to acquire their own homes and get the opportunity to raise and raise children. The completely state program is referred to as "Housing", and "Young Family" is already its subprogram.

The term of this federal initiative is valid until 2020, that is, next 2017 it will only gain momentum. But we must not forget that those who want to use good conditions the program is growing every year, as the number of young families increases. Mortgages as long-term home loans, subsidies and benefits are attracting more and more young people.

Accommodation for families

General information about the nationwide youth support program

The main objective of this program is to enable young couples, especially those who already have children, to buy real estate at a reduced price. Apartments that are built under this program are sold at a cost of at least 80 percent of the average market price... At the very beginning, the minimum price of one square meter of such housing was 30,000 rubles, but due to the increased to high performance inflation was raised to 35,000 rubles.

The terms of participation

The opportunity to participate in the program has:

1. Citizens of the Russian Federation who are not yet thirty-five years old at the time of submission of documents;
2. These young people are required to be officially employed by employment contract and work constantly;
3. To open a long-term mortgage loan, all family members must have sufficient income to make regular payments on the loan. Such income depends on the number of family members of the applicant of the program:

• for two people - this is the amount of 21,621 rubles;
• for three - this is 32,510 rubles;
• and for four at least 43 350 rubles.

1. A young couple who do not yet have children;
2. Families with children;
3. One of the parents of one or two children.

In order to become participants in the program, its applicants need to prove the real need to improve their living conditions. Official reasons to participate in the program are:

• lack of your own apartment;
• poor living conditions associated with the accident rate of a residential building, if it must be demolished or reconstructed;
• insufficient living space, provided that it is less than 18 square meters for one person and is inappropriate for the normal existence of a family.

How to become a member of the state program

If a young family meets the above requirements, and she is ready to participate in this program, she will need to collect a considerable package of documents. What documents are needed:

1. Identity documents of the young couple - passport of adult citizens of the Russian Federation;
2. If there are children - birth certificates;
3. For a full-fledged family, this is a document confirming the marriage;
4. Data from the house book, where all family members must be indicated;
5. Mandatory work book of each of the working family members;
6. Document on full amount the official income of the whole family, does she receive social assistance, whether there is a open accounts in banks of Russia;
7. A document that can confirm the ownership of housing already built or designed;
8. Military ID for the male half of the family;
9. A certificate stating that the applicant was on the waiting list for real estate;
10. Reliable information about where the family has lived for the last 7 years, all rental contracts, purchases and registration data;
11. For those who participate in the "Maternity Capital" program, this is also a certificate of this;
12. If there is one, information about credit history all family members.

Procedure after submission of documents

This large package of documents must be accompanied by a statement drawn up in duplicate. In the application, you will need to indicate exactly why you need this program, provide sufficient arguments. Much will depend on this. Further, the application and all documents will need to be submitted to the authorized body at the place of registration (real estate department of the district or city).

You give one application to the specialist, the second you leave to yourself for confirmation. It should be considered within ten days from the date of its submission. Based on the results of its consideration, a letter will be sent, where the answer will be indicated. If the application is accepted, the applicant queues up and receives a program participant certificate. Then the application will need to be taken to the bank, open an account and start the process of purchasing an apartment.

Advise to choose Sberbank as reliable financial institution... You can get acquainted with information on lending in this bank by going to its official website.