Assistance in purchasing an apartment for young families. Options for obtaining an apartment and land for a young family. Amount of subsidy received
Many people are interested in the question of what assistance a young family can receive from the state. The president of the country voices his answer annually when communicating with citizens of the Russian Federation directly.
At the moment, there are a number that provide assistance to young families in purchasing their own housing - these are “Maternity Capital” and “Affordable Housing for Young Families”.
How to buy your own home?
During the crisis situation in Russia, the issue of purchasing housing is acute. The prices on the real estate market are unaffordable for most. And so young families are forced to either wander around in rented apartments.
A government program called “Affordable Housing for Young Families” provides the opportunity to acquire their own apartment or house. Under this program, assistance to a young family is provided from the federal budget. In 2016, 30% of the cost of housing is paid by the state, and 70% is personal investment.
To take advantage of this offer, you need to contact your local administration to familiarize yourself with the criteria for the proposed program. After all, not every family has a chance.
Program criteria
Who can count on State assistance to young families in purchasing housing is provided only if they meet the following criteria:
- Spouses must be under 35 years of age. If so, the age of one of the parents must also meet this requirement.
- Newlyweds must obtain the status of those in need of improved housing conditions in advance.
- The family must have at least one child. This factor may not be the main one, but its presence allows us to count on an increase in the amount of support from the state.
- The financial situation of the newlyweds must allow payment of the remaining purchase amount (payment immediately upon purchase or monthly repayment of the mortgage loan). This paragraph provides for its documentary confirmation.
- The program is designed only for citizens of the Russian Federation.
- Each spouse does not have their own home.
Failure to meet at least one criterion excludes assistance to the young family from the state.
Opportunities of the program “Affordable Housing for Young Families”
As part of this project, assistance to young families is provided in the following areas.
- Purchasing your own home.
- A subsidy is provided for major repairs.
- Possibility of building your own living space.
- The “Assistance to Young Family” program provides for the repayment of a mortgage loan, the conclusion of which must be dated no later than January 2011.
- Allows you to pay the down payment on your mortgage.
These program areas may be amended annually. To clarify them, you must contact your local government authorities.
Documents for participation in the target project
Of course, this is a very important program from a social perspective. Assistance to a young family requires the young couple to provide the following documents.
- Availability of a certificate of inadequacy of housing conditions for living and raising children.
- Certificate of income of each parent, in the case of an incomplete family - one.
- Certificate on the size of the living space, each person should have no more than 15 square meters. If this criterion exceeds the established norm by at least 1 centimeter, the application is not subject to consideration.
- Certificate of family composition.
- A photocopy of the marriage certificate. In case of an incomplete family, accordingly, this paragraph is not required.
- Photocopies of both parents' passports (all pages).
- Photocopies of children's birth certificates.
- Additionally, it is necessary to provide certificates about the financial and housing situation of the family, as well as for a loan that was issued before January 2011, in cases where the family took out a mortgage before the start of the state program.
In addition, this list can be supplemented by the necessary availability of other documents established specifically in the region of residence of the family.
2016 adjustments
In 2016, the following adjustments were made to this target project, which provides assistance to a young family in purchasing housing.
- Increase by one person. So, in 2011 it was 10 square meters, and now it is 15.
- Increasing the percentage of government funding with priority for married couples with children (the percentage of assistance can be 40% for a family of 4 people).
Housing subsidy application process. Where to start?
You can count on assistance to a young family in purchasing housing only by legalizing your relationship, since one of the most important points of the program is the availability of a marriage certificate.
Next, the young spouses must visit the local administration in order to find out the rules for participation in the targeted government project and receive a list for providing the necessary documents. The next step is to collect documentation and submit an application for participation.
You must wait for the documents to be reviewed and, if the answer is positive, get in line to receive government assistance. Having received a subsidy, you can start purchasing residential premises and preparing documents for it.
These simple actions make it possible for young families to receive government assistance and solve their housing problem.
Disadvantages of the program “Affordable housing for young families”
Many people who rely on the state to help a young family purchase housing feel that by submitting an application, they should immediately receive money. This is far from true. The following nuances must be taken into account:
- The application review process takes quite a long time.
- The number of families applying is constantly growing, and accordingly, from the moment of filing an application until the moment of receiving a subsidy, it can take about 2 years.
- Receiving a subsidy is possible only for officially employed citizens.
- from the state varies within the amount of 2,200,000 rubles.
- Citizens who registered later than 2011 do not have the right to purchase secondary market housing.
- When applying for a mortgage loan to purchase real estate, it must be repaid monthly; in this case, a young family must correctly calculate its financial capabilities.
- Residential premises are purchased in the region where the application was submitted.
- Age must be taken into account when applying to participate. If at the time of receiving the subsidy one of the spouses turns 35 years old, then the refusal automatically follows.
Other ways to purchase your own home
Of course, participation in the “Affordable Housing for Young Families” program is a good thing. But what should people do who did not get into the target project for one reason or another? What assistance can be provided to young families? In this case, you can consider other options. For example, if one of the spouses is a young specialist, he is entitled to living space. In addition, it is possible to use “maternity capital” to purchase housing if there are three children in the family. The state also provides the opportunity to obtain land for construction.
If the spouse is a military man, then you can get on the preferential queue to receive a state apartment.
The list of required documentation may vary depending on the method of purchasing housing. The opportunity to use government support is provided once in a lifetime, regardless of the name of the target projects.
We must remember that there are no hopeless situations, you just need to look for solutions. And the state can always come to the rescue.
Many young families who live in the Russian Federation are interested in one question - which one is provided for them?
Is it possible to get an apartment or land plot for free? If so, how? What benefits are they entitled to?
For these reasons, we will consider all the issues in more detail.
What can a young family get from the state?
Today in the Russian Federation there are such types of support for young families, How:
List of options for obtaining an apartment from the state and their description
Today, there are several options for obtaining an apartment from the state. In particular, we are talking about such ways:
- queuing for a municipal apartment;
- registration of a subsidy to cover part of the costs of purchasing real estate;
- take advantage of .
Queuing for real estate
In order to get the opportunity to get on the waiting list for free housing from the state, you must answer the following: conditions:
- be under 35 years of age (for young families);
- currently live in emergency housing;
- or the family does not have their own housing and they live in a rented apartment.
To get in line you need to contact to the local government housing department. After being placed in a queue, housing is provided at the moment when the queue itself approaches the applicants.
Registration of a subsidy
The definition of a subsidy for an apartment means the opportunity to receive government support in the form of certain funds that can be spent on a down payment on a mortgage and covering part of the costs of purchasing an apartment.
In the event that a young family does not yet have children, its size can be no more than 35%, and if they are present, from 40% of the total value of the property.
To receive a subsidy, a young family applies to the housing department of the local government.
Getting a social mortgage
This type of assistance, by and large, refers to a subsidy. To get an apartment, a young family finds residential real estate for itself. After this, she contacts local authorities.
This body checks the apartment according to the following criteria:
Residential property area, which is purchased under the social mortgage program, must be:
- up to 40 sq. meters for a young family of 2 people;
- 18 sq. meters for each family member if there are children.
Land plots from the state
In order to qualify for a land plot from the state, young families must meet certain conditions, namely:
- is officially married;
- all family members must be registered in the same living area;
- be citizens of the Russian Federation;
- they should not already own another plot of land;
- being no older than 35 years of age.
If a family has 3 or more children, the chances of receiving a plot of land increase significantly.
To be provided with a plot of land, first of all, a young family must apply to local authorities (housing department) and provide a corresponding application.
Documents can be provided:
- in person upon visit;
- or via the Internet.
Submitting an application
As mentioned above, you can also submit an application online. To do this you need to go to the Gosusulug website, and then follow the available prompts.
Self the application must include includes information such as:
- personal information about the family;
- information about children, if any;
- the grounds on which the land plot must be provided;
- what are the further purposes of this land plot after receipt;
- if the family is already in line to receive an apartment, it is necessary to indicate their refusal of the apartment in favor of a land plot.
There is no prescribed form for the application; the only thing you need to pay attention to is that it contains no errors.
Required list of documents
Main list of documents, which are submitted together with the application are considered to be:
Depending on the region in which the family lives, the list may be supplemented.
The right to priority receipt of a land plot
Priority right have young families who:
- are considered ;
- are engaged in education;
- who are caring for a disabled WWII person (this may be one of the parents with whom they live together);
- military personnel or law enforcement officers.
Terms for consideration of the application
As such, the state does not provide for any deadlines for reviewing documents. But there are unspoken deadlines that amount to up to 30 calendar days. After this period, the young family is told about a positive or negative result.
After making a positive decision, the young family has no choice but to wait for the time when they will be provided with a plot of land. It is immediately necessary to pay attention to the fact that this can last not only for months, but also for years.
When local authorities notify a young family about the allocation of a land plot, they must contact the housing department within 5 days and begin the registration procedure. If the family ignores this notification and, for example, applies on the 6th or 7th day, the housing department may by this time give the plot to the next family in turn.
Procedure after allocating a land plot
After the family has been provided with a plot of land and they completely agree with it (they are satisfied with it), they should begin registration procedure.
Since the land is provided at the expense of the state, you do not need to pay for anything. After receiving the official act, the young family must apply to the Rossester and register ownership of it.
Submit act and statement Can:
- using MFC;
- using the State Services portal;
- or by personal visit.
After registration, the young family becomes the full owner of the allocated land plot.
If we talk about realities, here a young family needs to be prepared for the fact that the area will be covered with weeds and other vegetation, so you need to be prepared for serious cleaning.
What options are there for cash payments to help young families from the state?
Any young family has every right to receive such cash payments:
State assistance “Young family”
This assistance is provided to a young family to purchase your property.
On average, cash assistance is provided in this amount size:
- a family of 2 people receives about 600 thousand rubles;
- a family of 3 people receives about 800 thousand rubles;
- a family of 4 people receives about 1 million rubles.
To receive this assistance, you must contact to local authorities and provide:
- application for financial assistance;
- passports of each family member;
- marriage certificate;
- a document confirming the need to improve living conditions;
- documents for the purchased apartment, which indicate its value.
Maternity capital
There is a regional and federal mat. capital.
Both mat. capital is provided after the birth of a child to a young family.
If we talk about the conditions for receiving regional capital, then everything depends on the region of residence - in one it is provided after the birth of 2 children, and in another after the third.
- about 453 thousand rubles, while regional ones range from 50 to 150 thousand rubles.
To design both mat. capital needs to be applied to the Pension Fund at your place of residence with a list of such documentation:
- applicant's passport;
- child's birth certificate;
- statement.
One-time payments
At the birth of their first child, a young family has every right to receive 15 thousand rubles.
In addition, a one-time regional payment is provided, which in each region of residence is calculated based on the capabilities of the local budget.
To make payments you must contact to the social protection authority or to the Pension Fund at your place of residence. 
Benefits for children up to 1.5 and 3 years old
Depending on whether the mother of the children works or not, a young family has the right to count on years in the following amounts:
- for 1 child – about 2800 rubles per month;
- for the second and subsequent ones about 5800 rubles.
If we talk about, then here the family has the right to count on 50 rubles monthly.
How to get housing under the Young Family program is described in the following video:
Many young spouses spend a very long time in conditions that are far from the best financial situation.
Buying your own home, providing everything a newborn needs, paying for kindergarten and school supplies is a heavy burden that falls on the shoulders of all parents.
To improve the demographic situation, the state is trying to provide all possible support to young families.
Some social programs involve only indirect measures, while others directly help both parents and children.
Legislative regulation
Legislation The Russian Federation puts forward the following requirements for a potential participant in a housing program aimed at financial support for young spouses:
Spouses who joined the program in 2019 can count on receiving preferential social subsidies in the amount of 30% of the cost of purchased housing.
State assistance to rural families
One of the main responsibilities of the state is to ensure a decent standard of living for citizens. First of all, this is material support regarding the purchase of your own home.
- a one-time benefit dedicated to the birth of a baby (RUB 16,759.09 - increases annually). Receipt of the payment can be made by any of the parents/guardians at their official place of work or at the social security department in accordance with their registration.
- RUB 655.49 if a woman is registered during the first 12 weeks of pregnancy;
- 4512 rub. monthly for 140 days (70 before the birth of the baby and 70 after) if the woman was fired from her job due to the fact that the enterprise was liquidated or the individual terminated its activities.
State assistance may vary depending on the region of residence, so information about the required payments must be clarified locally.
Benefits and payments for families with many children
By-law – Presidential Decree dated 05/05/1992 defines a “large family”. In accordance with it, each regional government must make an independent decision regarding large families and choose its own form of support for this category of citizens. Some activities are generally accepted and applied in all regions of the country.
A young family with many children has the right to the following state aid:
In addition, a large young family can count on:
- free provision of medicines to children under 6 years of age, in accordance with a doctor’s prescription;
- provision of free travel on intracity and intradistrict transport;
- admission of a child to kindergarten out of turn;
- free meals at school and vocational school;
- free provision of school and sportswear;
- free entry to an exhibition, museum or other cultural event once a month.
How to get help
To become a participant in programs aimed at improving housing conditions, a family must bring the following to the Municipal Property Management Committee or multifunctional center: documents:
- original and copy of the passport of each family member;
- a copy of children's birth and marriage certificates;
- an extract from the house register;
- certificate of registration at the place of residence;
- cadastral passport;
- a document confirming the fact that the family needs improved living conditions.
Obtaining a certificate in accordance with the Maternity Capital program, the following procedure is assumed:
- Writing an application (the standard form is available at any branch of the Pension Fund of the Russian Federation);
- Providing the following package of documents:
- Passport of the parent/guardian;
- the applicant;
- Birth certificates of children;
- Confirmation of Russian citizenship (issued by the passport and visa service);
- Documents confirming the person’s right to receive a certificate in the event that it was not the mother of the children who came to receive it.
The procedure for receiving other benefits and allowances due to young families can be found at the place of residence, for example, in a multifunctional center, as they may vary depending on the region.
Regional assistance
Rostov region invites young families to take advantage of the conditions of subprograms that provide government support for improving living conditions and providing affordable and comfortable housing.
List of social support:
- budget subsidies that repay part of the interest on loans and borrowings for the construction and purchase of housing;
- budgetary financial assistance, through which you can pay off debt on a housing loan in the event of the birth (adoption) of a baby;
- subsidies for the purchase (construction) of housing, which can be applied for by a young doctor or an employee of a profession in shortage in the healthcare system.
Young families living in Moscow and St. Petersburg, can also participate in the federal Affordable Housing program. In addition, the capital supports the development of a regional municipal project that expands opportunities for improving living conditions.
The following financial government assistance is provided:
- Citizens registered as needing improved housing conditions can receive subsidies.
- A special program provides for the purchase of an apartment from the city at 10% per annum. The loan term is 10 years. In this case, the down payment is partially repaid by the state (from 10 to 20%).
- A needy family can rent an apartment on preferential terms for 5 to 10 years.
St. Petersburg is implementing its own subprogram, which allows citizens to receive an interest-free loan for 10 years on the following conditions:
- the first payment + 30% of the cost must be paid immediately;
- the remaining amount must be repaid within 10 years.
- Only those families who have lived in the region for at least 10 years can take advantage of these conditions.
Validity period of the state program “Young Family” in Krasnodar region started back in 2010.
Local authorities focus their assistance in several areas:
- A young family can receive targeted cash subsidies for the purchase of housing. The amount of support depends on the area and size of the family and varies from 450 to 900 thousand rubles.
- The project actively attracts commercial banks to cooperate, which should provide young people with the opportunity to receive preferential mortgage lending (reduced rates, mortgage repayment through government subsidies, etc.).
The end of 2012 was marked by the introduction of significant changes aimed at ensuring that Russians did not seek mortgage lending, but financed housing construction on their own. Thus, the list of grounds for receiving payments under a construction contract, shared construction or purchase and sale has expanded. In addition, a ban was introduced on payment from government subsidies for housing purchased on the secondary market and contributions under loan agreements.
About preferential mortgage lending for young families, watch the following video:
Last modified: January 2020
- a conventional term. It refers to a set of various social measures aimed at helping citizens solve their housing problems. The name of the program eloquently shows that its target category is young people who have entered into an official marriage. The demographic well-being of the country depends on them, and the state is ready to support such families. Especially when spouses decide to have children.
Demographic problems in Russia began a long time ago. That’s why the Young Family program has a long history.
- In 2002, the “Providing Housing for Young Families” project was launched, which lasted until 2010.
- Until 2006, within the framework of it, state support in the form of cash subsidies was provided only after the birth of a child to a spouse or his adoption.
- Then the program was adjusted. The appearance of a baby in a family began to be considered not as a mandatory condition for the state to subsidize the purchase of housing, but as an additional “bonus” for the implementation of this project. It was assumed that solving the housing problem would motivate many spouses to add to the family.
- Until 2008, a husband and wife were considered “young” until they reached 30 years of age. But then the age limit was increased - to the 35th anniversary of the spouses.
- Since 2010, the “Providing Housing for Young Families” program has changed somewhat. Its priority participants also included families recognized as needing improved housing even before 2005. Subsidies were replaced with targeted social payments, which were allowed to be spent only on the purchase of family real estate.
Initially, the project “Providing housing for young families” was designed until 2020 inclusive. But last year it was completed ahead of schedule. And since 2018, a new state support program has been running for young spouses who have housing problems.
What program is currently in effect?
In 2019, state support is provided to young families within the framework of a government project called “Providing affordable and comfortable housing and public services to citizens of the Russian Federation.” It focuses on making mortgage lending and rental housing easy for borrowers. Program activities are planned until the end of 2025.
The new project has several goals. One of them is a significant reduction in the cost of residential premises, so that almost any young family (and other preferential categories specified in the document) can not only acquire real estate, but also regularly improve its quality - once every 15 years. To achieve this, in particular, the price of an average two-room apartment (54 sq.m.) by 2025 should be 2.3 times the total annual income of a family of three people. That is, if, for example, after 8 years a wife, husband and child live on 50,000 rubles a month, or 600 thousand a year, they should have the opportunity to purchase living space for 1 million 380 thousand rubles.
Other goals of the government program are:
- activation of the construction market;
- providing citizens with higher quality public services;
- increasing labor productivity in the construction industry.
What does the state promise?
For program participants, including young families, the state is ready to provide cash payments for the construction or purchase of housing. Its exact size is determined by the regions, but the federal government has determined its minimum value, which local authorities are required to take into account:
- 30% of the average cost of residential real estate - for married couples who do not have natural or adopted children;
- 35% of the average housing price:
- for families raising one or more natural/adopted children;
- for single-parent families with children (where there is only one parent).
The average cost will be calculated using the formula:
local cost standard 1 m 2 * size of purchased/constructed housing.Money received from the state is allowed to be spent:
- for deposit;
- to pay a share contribution;
- for partial payment of the cost of residential real estate purchased under a regular purchase and sale agreement;
- for payment for work on building a house - under a construction contract;
- to repay the main “body” of the loan and interest on the loan, if it was taken out to solve a housing problem.
You should not expect that budget funds can pay off a third of the expenses for any residential premises.
The state will strictly monitor its size and subsidize only clearly established standards:
- 42 m2– for young spouses without children or one parent with a child;
- 18 m2– for each member of a family consisting of three or more household members (including 1 parent and several children).
Conditions of the Young Family program
Young families are eligible to participate in the housing program if they meet certain criteria:
- the age of the spouses or single parent does not exceed thirty-five years - and not at the time of submitting documents, but on the day officials make a decision on their participation in this social project;
- young spouses (single parents) have:
- or a sufficient amount of their own savings with which they can pay the seller - in the amount of the cost of housing not covered by payments from the state;
- or significant regular income that will allow them to take out a loan for these purposes;
- one of the spouses or the only parent in the family must have Russian citizenship;
- the family was officially recognized as in need of housing.
Let us remind you that in order to recognize such a need, you will need to document one of the following circumstances (Article 51 of the Housing Code):
- That the applicants do not have any housing at all - neither owned nor under a rental agreement.
- That the housing they occupy is too small - the minimum standard established by the state is not observed.
- That the living space a young family has is not suitable for permanent residence - for example, it is in dilapidated or disrepair, or is located in an area with a high concentration of substances harmful to the body.
- That a married couple is forced to live together with a seriously ill person, who by law must be provided with a separate living space.
Package of documents
An approximate list of documents required to be included in the list of program participants is as follows:
- the corresponding application is on a special form;
- identification documents of all members of the young family - passports, children's certificates (copies are provided, but the originals should be taken with you);
- marriage certificate, if a complete family wishes to become a participant in the program (a copy is provided);
- a certificate from the social security authority that applicants for participation in the project are recognized as in need of housing;
- certificates of family income (2-personal income tax, bank account statements, etc.);
- Bank details – for transferring the amount of money.
If, with the help of a state cash payment, a family intends to repay part of the mortgage loan, then the following are additionally provided:
- loan agreement with the bank;
- a certificate of the amount (balance) of the debt outstanding by the debtor;
- extract from the Register - on registration of ownership of mortgaged real estate.
This list of required documents is established by Government Decree No. 1050 of December 17, 2010. However, it cannot be called exhaustive, since locally, other documentation is often included in the required package. Additional papers may include:
- military serviceman's ticket;
- work books of able-bodied family members;
- (form-9);
- (if the family plans to involve him in solving the housing issue), etc.
The application and documents are submitted to the local administration or multifunctional center. The validity of the demand and the authenticity of the papers submitted by citizens are checked by officials within 10 days, after which they make a decision:
- or the inclusion of a family in the program;
- or refusal to do so.
Applicants are informed of any of these decision options in writing. The administration’s refusal to include them in the program must be motivated and explained. The notice is sent to the filer at within 5 days after a positive or negative decision has been made regarding it.
Detailed conditions of the program to help young families are developed at the level of regional legislation. Despite the fact that this project was developed at the federal level, the constituent entities of the Russian Federation co-finance housing payments provided to citizens.
Their task is to comply with the minimum standards established by the central government. For the rest, they proceed from the capabilities of the local budget, as well as their own understanding of the conditions and in what order they can receive the state one. In particular, they have the right to adjust:
- amount of payment;
- list of documents provided by applicants for participation in the program;
- categories of persons entitled to housing subsidies;
- minimum income of program participants.
Not all Russian regions are included in the project. And those who joined it took on very different obligations that were within their power. This, in particular, can be seen from the table presented.
| Russian region-participant | Housing payment amount | Where to submit documents |
| Altai region | No less: 35% of SJ – married couple or single parent with child/children (50% - for building a house) | Local government - at the place of permanent residence of the young family. |
| Bryansk | No less: 60% of the SSL – for “childless” program participants; 65% of the SSL is for families with children (including single-parent families). | District administration Bryansk - at the place of registration of one of the applicant spouses. |
| Vologda region | 200,000 rubles – to a childless family. + 100,000 rubles – for each existing child. | Regional Department of Construction and Housing and Communal Services. |
| Ivanovo region Magadan region Republic of Mordovia | 35% from SJ – a married couple or a single parent with a child/children. | The authorized body is in the municipalities of the region/republic. |
| Kaluga region | In addition to the standard payments provided for by the program, additional payments to young parents are provided from the regional budget: 5% of the SSJ - for the 1st child; 7% of the lifespan – for the 2nd child; 10% of the SSL – for each subsequent child (including adopted children). | The authorized body is at the municipalities of the region. |
| Novosibirsk region Pskov region Republic of Tatarstan | 30% of the life insurance premium – for young spouses without children; 35% of households - a married couple or a single parent with a child/children; 5% additionally - at the birth of a child (from the date of issue of the certificate of entitlement to payment until it is transferred to a bank account). | Local government body at the place of residence of the young family. |
- Read also about: (full list).
- Information may be useful for holders of a maternity capital certificate: .
Since 2012, the Government of the Russian Federation has implemented several projects, which are primarily aimed at helping young families.
They include:
- mortgage lending;
- maternity capital;
- support for young professionals and so on.
One of these projects is aimed at enabling a young family to acquire their own home in a short time.
The essence of the “Young Family” program and its advantages
Using the “Young Family” program, young families can easily purchase an apartment or house.
In such a program, the State takes on part of the payments for living space. As a rule, the government pays up to 40% of the total cost of housing. The young family pays the rest of the payments on their own.
In addition, to participate in the program the following basic conditions must be met, How:
- The area of real housing does not exceed 42 square meters. meters (calculated for two);
- in a family of three people, each of them has no more than 18 square meters. meters.
The program includes many benefits, the main ones of which are considered to be:
- the opportunity to apply for a deferred payment;
- the down payment may be from ;
- The minimum payment of the contribution is at least 10% of the total cost of the apartment or house.
Amount of assistance
A young family consisting of two people has the right to count on assistance in the amount of up to 600,000 rubles.
If a young family consists of 3 people, the amount of assistance will be 800,000 rubles. If a family of 4 or more people – no more than 1 million rubles.
If the family is large family, the amount of financial assistance is calculated individually.
For taking part it is necessary to contact the executive body at the place of residence to clarify the addresses for the construction of new buildings. After the final decision has been made about which new building specifically we are talking about, the young family begins to implement collection of all necessary documentation.
It is worth noting that the executing body has the right to offer another new building if the cost of the desired one is significantly higher than that of another.
Conditions for receiving a subsidy
Without any doubt, not all young families living in the Russian Federation can take advantage of this program. There are certain conditions, subject to which, you can take part in this government program.
Basic conditions include:
A young family that fully meets all of the above criteria can receive a subsidy only if it uses her for such needs, How:
- acquisition of real estate ownership (required in a new building);
- self-construction of your own home;
- down payment according to the signed mortgage agreement;
- contribution to a housing construction cooperative.
In the event that the inspection body reveals that the allocated funds are being used for other purposes, the mortgage lending is suspended and the case is referred to the court for an administrative violation.
List of documents
Provided that the young family fully meets all the specified requirements, they need to bring and fill out a number of documents, which include:
If the entire package of documents is collected, the young family is sent to the city (district) administration to put their family on the waiting list. It is worth noting that the submission of this package of documents can be either joint, or it can be entrusted to one of the spouses.
The authorized person who receives the documents is obliged to conduct a consultation on the further actions of the young family to receive the subsidy as quickly as possible.
Despite the fact that under the “Young Family” program all registration conditions are more than transparent, all families must be prepared to overcome various difficulties.
Often difficulties arise due to bureaucratic delays.
The entire process of collecting the necessary documentation, including the timing of their consideration, takes a huge amount of time. Moreover, the application may take several months to be considered.
In addition, there is a limit on the number of young families who are eligible to take part in this program, and it is also worth noting that there is a waiting list.
It is necessary to take into account the fact that such a program is not able to provide assistance to low-income families, therefore all young families must be financially secure.
Registration procedure
Based on the submitted required package of documents, the housing fund issues its final verdict.
It can be of several types, namely:
- a young family is allowed to take part in the program, and soon they will receive financial assistance to improve their living condition;
- a young family is not eligible to take part in this program.
Reasons for the decision refusal may be:
After accepting the entire package of documents, the housing fund is obligated to make its decision on participation in the young family’s program within the first 10 days and send its decision by mail to their temporary residence address. The letter must arrive no later than 5 days from the moment the decision is made.
Together with the decision, the total amount of financial assistance that will be allocated for a particular family must be determined. It is worth noting that the amount is different for everyone.
After approval of the amount of assistance, during the first few months, local authorities issue an appropriate certificate according to which the payment will be made.
Financial assistance is paid by bank transfer to one family member. All funds are credited to a bank card.
In the process of purchasing housing, a young family must provide documents to the executive body that confirm intended use allocated funds, namely:
- certificate of purchase of housing (usually this is a purchase and sale agreement);
- the account number to which the funds were transferred (with a full indication of all the details of the developer company from whom the housing was purchased).
What documents are needed and the conditions for participation in the “Young Family” program are discussed in the following video: