1. Which families qualify as a “young family” and qualify for a housing subsidy?

A young family, including an incomplete young family, consisting of 1 young parent and 1 or more children, can be a participant in the subprogram "Providing housing for young families", meeting the following conditions:

the age of each of the spouses or 1 parent in an incomplete family on the day of acceptance by the executive authority of the subject Russian Federation decisions to include a young family participating in the subprogram in the list of applicants for a subsidy in the planned year does not exceed 30 years;

recognition of a family in need of better housing conditions.

Those in need of better housing conditions are understood to mean young families registered as in need of better housing conditions before March 1, 2005, as well as young families recognized by local authorities at their place of permanent residence as needing better housing conditions after March 1, 2005 d. On the same grounds that are established by Article 51 of the Housing Code of the Russian Federation for the recognition of citizens in need of residential premises provided under contracts social recruitment.·

family income or other Money sufficient to pay the estimated (average) cost of housing in excess of the amount of the subsidy provided.

The procedure and conditions for recognizing a young family as having sufficient income or other funds to pay the estimated (average) cost of housing in excess of the amount of the subsidy provided are established by the state authority of the constituent entity of the Russian Federation. It should be noted that participation in the subprogram is voluntary. The right to improve housing conditions using a subsidy or other form of state support at the expense of funds federal budget granted to a young family only once.

2. Which authorities should be contacted to receive a subsidy and what documents should be submitted?

To participate in the subprogram "Providing housing for young families", a young family submits the following documents to the local government at the place of permanent residence:

application (see Appendix) for participation in the subprogram "Provision of housing for young families" in 2 copies (one copy is returned to the applicant indicating the date of acceptance of the application and the documents attached to it);

documents proving the identity of each family member;

marriage certificate (does not apply to an incomplete family);

a document confirming the recognition of a young family in need of better housing conditions;

documents confirming the recognition of a young family as having sufficient income or other funds to pay the estimated (average) cost of housing in excess of the amount of the subsidy provided;

extract from the house book and a copy of the financial personal account.

On behalf of a young family, documents can be submitted by one of its members or another authorized person, provided that they have duly executed powers.

3. For what reasons can a young family be denied participation in the subprogram?

The grounds for refusing to recognize a young family as a participant in the subprogram are:

non-compliance of the young family with the requirements specified in the answer to question 1);

non-submission or submission not in full of the documents specified in the answer to question 2;

unreliability of the information contained in the submitted documents;

the previously exercised right to improve housing conditions using a subsidy or other form of state support at the expense of the federal budget.

4. Based on what rates will the amount of the subsidy be calculated?

The subsidy is provided in the amount of at least:

35% of the estimated (average) cost of housing - for young families without children;

40% of the estimated (average) cost of housing - for young families with 1 or more children.

The calculation of the amount of the subsidy is based on the size of the total area of ​​\u200b\u200bliving premises established for families of different sizes, the number of members of a young family participating in the subprogram and the cost standard for 1 sq. m of the total area of ​​housing in the municipality, in which the young family is included in the list of participants in the subprogram.

Standard cost of 1 sq. m of the total area of ​​housing in the municipality for calculating the amount of the subsidy is established by the local government, but not above the average market value of 1 sq. m. m of the total area of ​​housing in the subject of the Russian Federation, determined by the federal executive body authorized by the Government of the Russian Federation.

The amount of the subsidy is calculated on the date of issue of the certificate, is indicated in the certificate and remains unchanged throughout the entire period of its validity.

A young family participating in the subprogram at the birth (adoption) of 1 child is provided with an additional subsidy at the expense of the budget of the subject of the Russian Federation and (or) the local budget in the amount of at least 5 percent of the estimated (average) cost of housing, calculated in accordance with these Rules, to pay off part expenses associated with the acquisition of residential premises (creation of an individual housing construction), in the manner determined, respectively, by the executive authority of the constituent entity of the Russian Federation and (or) by the local government.

5. Will the subsidy be enough to buy an apartment or will I have to pay extra?

The subsidy covers only part of the funds needed to purchase a home, the missing part will need to be paid from own or borrowed funds.

6. What does it mean that the age of the spouses does not exceed 30 years? Can young families, the age of the spouses, in which they have not reached 31 years old, participate?

Yes. According to the decree of the Government of the Russian Federation, the age of each of the spouses or 1 parent in an incomplete family on the day the executive authority of the constituent entity of the Russian Federation makes a decision to include a young family participating in the subprogram in the list of applicants for a subsidy in the planned year does not exceed 30 years

7. How and who determines whether a family has income or other funds sufficient to pay the estimated (average) cost of housing in excess of the amount of the subsidy?

Local governments, when applying for admission to the program. It is also where the issuance of a certificate is carried out, information is given to young families, decisions are made on participation in the subprogram, on the conditions for its implementation. Under these conditions, young families give written consent to participate in the subprogram.

8. Please clarify the contradiction: according to the Housing Code of the Russian Federation, a family must be poor in order to be registered, and in order to receive mortgage loan the family must have sufficient income.

To be registered, a family does not have to be poor, it must be recognized as in need of better housing conditions. Those in need of better housing conditions are understood to mean young families registered before March 1, 2005, as well as young families recognized by local governments at their place of permanent residence as needing better housing conditions after March 1, 2005. A family is recognized as needing improvement housing conditions on the same grounds that are established by Article 51 of the Housing Code of the Russian Federation for the recognition of citizens in need of residential premises provided under social tenancy agreements.

9. Can the amount of the subsidy allocated at the expense of the budget of the subject of the Russian Federation and local budgets (25% or 30%) be calculated at the market price of housing?

It is possible, but it is necessary to indicate the share of the allocated subsidy from the regional and local budgets as a percentage of the estimated cost, determined in accordance with the rules.

10. Please clarify the time frame within which a young family is entitled to receive an additional 5% subsidy for the birth of a child?

From the moment when the young family became a participant in the subprogram until the transfer of subsidy funds by local governments to the participant's bank account.

11. We live with our parents, we are registered in the apartments of our parents (each with his own). We are 22 years old. No kids. We work in commercial organizations, s / n "gray". Can we rely on this program?

You can, if you are in need of housing in accordance with Art. 51 of the Housing Code of the Russian Federation and have income or other funds sufficient to pay the estimated (average) cost of housing in excess of the amount of the subsidy provided.

12. What is meant by “copy of financial account”?

An account opened in the name of the owner (tenant) of the dwelling, and fixing the payments made by him.

13. Does the share contribution due to the subsidy have to be the last one? Or could it be original? After all, in the end, a member of the cooperative will still become the owner of the home.

It all depends on what storage system you use. The subsidy can be used by a young family that is a member of a housing savings cooperative and for which the cooperative has acquired a dwelling, to make only the last payment towards the payment of the share contribution in full, after which the given premises becomes the property of the young family.

14. Is it necessary to have a child (or be pregnant) to participate in the program?

Only in the case of an incomplete family, the presence of a child is mandatory. But in general, the presence of a child is not a prerequisite for participation in the subprogram.

15. Is it enough just to have a regional program to provide housing for young families?

When making a decision on the allocation of funds to the subject of the Russian Federation, it is necessary to have a developed and approved regional program for providing housing for young families. It provides for the allocation of funds from the budgets of the constituent entities of the Russian Federation and local budgets to finance the subprogram. An agreement is also required between the subject of the Russian Federation and the state customer of the subprogram, which contains the obligations of the subjects of the Russian Federation to finance the subprogram in the required amounts.

16. We are on the waiting list. My husband will turn 30 in October 2007, and we wrote an application for participation in the Affordable Housing for Young Families subprogram in January 2007. Will we remain subprogram participants after October 2007?

Yes. The age of each of the spouses on the day the executive authority of the constituent entity of the Russian Federation makes a decision to include a young family participating in the subprogram in the list of applicants for a subsidy in the planned year should not exceed 30 years.

17. I read somewhere that if we want to participate in the Affordable Housing for Young Families sub-program, then we will eventually get housing in a condominium or homeowners association. Is this true and will I be able to withdraw from the membership of this partnership?

The participant of the subprogram chooses housing by himself and by his choice. You can buy an apartment in any house, regardless of whether a homeowners association has been created in it or not. Membership in the HOA is not required.

18. Can you please tell me how long after the application is submitted apartments are provided under the subprogram?

Apartments under the subprogram are not provided. Subsidies are provided for the purchase of an apartment. The subsidy is available after February 20, the year specified in your application for participation in the subprogram. The terms of the subprogram implementation are calculated for 2006-2010.

19. We are a young family with a child, we live with our parents and are not on the waiting list to improve our living conditions. Can we participate in the Affordable Housing for Young Families subprogram? And, if so, are we entitled to a gratuitous subsidy from the city?

To become a member of the subprogram, you must be recognized as needing housing and be registered as needy. If you meet all the eligibility requirements for your family to be eligible for the subprogram, then you are certainly eligible to participate in the subprogram and you are entitled to a grant of 40% of the estimated cost of housing.

20. I heard that when concluding a sale and purchase agreement with installment payment under the Program, there are some benefits associated with the birth of children in the family. Is it so?

Young families participating in the subprogram are provided with additional subsidies from the budget of the Russian Federation or the local budget in the amount of at least 5% average cost housing at birth (adoption) of 1 child to repay a part of the loan or to compensate for the own funds spent on purchasing housing or building a house.

21. If I live and work in Kazan, my wife is a university student, but we do not have Kazan registration, as a result of which I cannot get a certificate from the DEZ, what should we do to buy an apartment under the program?

22. We learned about the Young Family program, collected everything Required documents and went to the regional administration. There we were asked how many square meters per person. We had 7.8 m. To which we were told that they would not even take documents from us, because. it is necessary that it be no more than 7 meters. Could you tell me, please, in the presence of what living area per person the program starts to operate?

A young family can become a member of the subprogram if it is recognized as needing better living conditions. The norms of living space per person for recognizing him as needy are established by local governments.

23. Why can't the amount of the down payment be less than twenty percent? And what about those who do not have that kind of money?

The amount of the down payment now can range from 0 to 30% for various banks and organizations providing mortgage loans. Recently, there has been a steady downward trend in the size of the down payment. A year ago, according to the standard conditions of the Agency for Housing Mortgage Lending, it was 30% of the cost of housing, this year this requirement has been reduced to 10/20% of the cost of housing. Moreover, a number of commercial banks also reduce the down payment. The subprogram provides for the use of subsidy funds as an initial contribution.

24. What is the registration of the down payment?

The young family does not receive money in their hands, but a certificate that says that, having become a member of the subprogram, they are entitled to 40% of the estimated cost of the apartment, which means that the young family will not have to make an initial contribution from their money. With this certificate, the young family goes to the bank and says that they are a member of the subprogram. A mortgage loan is issued for the rest of the purchased housing.

25. We have one hundred thousand rubles, the family consists of four people. What apartment can I get?

We recommend that you contact the local government on this issue, where you will determine the amount of the subsidy. Then contact the bank, where they will determine the maximum possible size of the mortgage home loan

26. If we find a seller and buy an apartment ourselves, paying him 20% of the cost, will they pay the rest under the subprogram?

If you are a member of the subprogram and have received a certificate of eligibility for a subsidy, you can buy an apartment yourself, but payment details will need to be agreed with the bank where your account will be opened.

27. How is the subprogram financed?

The main sources of funding for the subprogram are:

Federal budget funds;

Funds from the budgets of the constituent entities of the Russian Federation and local budgets;

Funds of banks and other organizations that provide young families with mortgage housing loans and loans for the purchase of housing or the construction of individual housing;

Funds of young families used to partially pay for the cost of purchased housing.

28. This year my husband and I turn 30 years old. Can we apply or are we too late?

The age of each of the spouses on the day the executive authority of the constituent entity of the Russian Federation makes a decision to include a young family participating in the subprogram in the list of applicants for a subsidy in the planned year should not exceed 30 years.

29. What is the amount of monthly payments for the participants of the subprogram?

The amount of monthly loan payments depends on the size of the loan you have taken and the maturity of the loan. These calculations are made by the bank or credit institution that issued the loan to you, and it also evaluates whether you can pay this amount.

30. We have the following questions: who issues these certificates - about the composition of the family, a certificate of occupied space? We have a family of two, this is me and my wife, as evidenced by the Marriage Certificate.

All these certificates are issued by the authorized housing authorities (housing department, passport office, etc.) at the request of the tenant. Then a package of documents (see above) is submitted to the local authorities at the place of permanent registration.

31. There have been rumors that since 2007 the allocation of subsidies to pay part of the cost of housing at the birth of children at the expense of the federal budget has been canceled. Is it so?

Previously, the subsidy was provided at the birth and adoption of a child. Since 2006, these requirements have been abolished and the provision of subsidies is carried out according to new rules. It does not depend on the birth of the child.

32. I am 21 years old, my husband is 34 years old. We have a child. Can we count on the Young Family program?

No. To participate in this subprogram, the age of each of the spouses must not exceed 30 years.

33. My wife and I are 25 years old. Recently took out a mortgage loan and bought an apartment in a house under construction. Now we are expecting a baby. Can we count on any subsidies?

The main requirement for participation in the subprogram is the recognition of a young family in need of better living conditions. Since you have already improved your living conditions, then the participation of your family in the subprogram is currently possible if it is recognized as needy.

34. How many subprogram participants have already received apartments?

The implementation of the subprogram has just begun, but it is planned that already in 2006 27.8 thousand young families will improve their living conditions within the framework of the subprogram, in 2007 - 41.7 thousand young families, in 2008 - 39.2 thousand, in 2009 - 37 thousand young families and in 2010 - 36 thousand young families.

35. We are a young family. We completed all the documents, took them to the housing department of the administration, but for two months nothing has been heard. What is the processing time for documents?

Local governments, according to the Rules, within 10 days from the date of submission of documents, decide on the recognition or refusal to recognize a young family as a participant in the subprogram.

36. We are 25 years old, official untilthe move is scanty, but the real one is quite significant. Can we get into the program?

You can. The procedure and conditions for recognizing a young family as having sufficient income or other funds to pay the estimated (average) cost of housing in excess of the amount of the subsidy provided are established by the state authority of the constituent entity of the Russian Federation.

37. I am 26 years old, I am raising a child alone. Can I apply for the program?

Yes, provided that all the conditions for participation in the subprogram are met, that is, you must be registered as needy and have sufficient income to participate in the subprogram.

38. He graduated from the medical academy in 2006, went to work by profession in government agency, was put on the waiting list for housing and submitted documents to participate in the subprogram, but on August 1 he was transferred to another city in the same state institution, to a similar position. Tell me, can I participate in the regional program in this city? Do I need to reapply on the housing queue in this city?

You can become a member of the subprogram only at the place of your permanent registration.

39. Can spouses without marriage registration participate in the subprogram?

No, one of the requirements of the subprogram is that spouses must be legally married.

40. Do employees of the public sector have benefits in the subprogram when receiving a mortgage loan?

There are no special benefits for participants in the subprogram "Provision of housing for young families".

41. Can I purchase an apartment on the secondary real estate market with the help of the subprogram?

Yes. The subsidy is available for the purchase from any natural or legal entities residential premises, including the payment of a down payment upon receipt of a mortgage housing loan for the acquisition of residential premises or the construction of individual housing that meets the established sanitary and technical requirements of the residential premises.

42. We are a young family. My husband is on a budget. Salary 5 thousand rubles. I have 10 thousand rubles. What can we count on?

You can contact the local government at the place of your permanent registration and find out the specific conditions for participation in the subprogram in your region. And also contact the bank or organization that provides mortgage loans, and get information about maximum size loan that you can get.

43. Are the Rules for granting subsidies to young families for the purchase of housing within the framework of the subprogram "Provision of housing for young families" of the federal target program "Housing" for 2002-2010, a document of direct action? And are they allowed to be used at the regional and municipal levels?

The rules apply to all subjects of the Russian Federation. For the participation of the constituent entities of the Russian Federation in the subprogram, it is necessary to have a regional program for providing housing for young families, the provision of obligations of the constituent entities of the Russian Federation to finance the subprogram, including obligations to finance compensation provided to young families at the birth (adoption) of a child, etc.

44. Which government agencies should I apply to regarding a mortgage for a young family?

Government agencies do not deal with mortgage lending. Mortgage loans are issued by commercial banks.

45. The subsidy is granted only after the conclusion loan agreement? And if a child is born, for example, in the process of preparing documents and entering in the lists, before the conclusion of the contract, is the above subsidy paid in this case?

The amount of the subsidy is calculated on the date of issue of the certificate. And also, young families participating in the subprogram are provided with additional subsidies from the budget of the Russian Federation or the local budget in the amount of at least 5% of the average cost of housing at birth (adoption) of 1 child to repay part of the loan or to compensate for their own funds spent on purchasing housing or building a house .

46. ​​Please tell me where and how to get on the waiting list for housing?

Contact the local authorities at the place of your permanent residence.

47. Do we have the right to participate in the subprogram if my wife and I are registered with my mother in a 2-room apartment? The total area of ​​the apartment is 47.9 sq.m. The apartment is privatized, the owner is the mother.

To register as needy, contact the local government at the place of your permanent registration. If your documents meet the requirements for the subprogram participants, then you will be able to participate in the subprogram.

48. Is it possible to use several subsidies at once, both for the repayment of interest and for the birth of a child?

The subprogram provides a subsidy only for the purchase or construction of housing. Only once.

49. Please explain why the "Young Family" is a family of spouses whose age does not exceed 30 years. If a little over 30 years old, is it no longer a young family?

If the age of the spouses at the time of granting the subsidy does not exceed 31 years, they can become participants in the subprogram.

50. If a young family receives subsidies to repay a loan, and then after some time the spouses divorce and cease to be a “family”, do they continue to receive subsidies?

The subsidy is provided at a time for the purchase and construction of housing, including the payment of a mortgage loan.

51. We are a young family. We want to build own house. Does the subprogram provide for the possibility of concessional lending for the construction of your own house?

A subsidy may be provided for the payment of a down payment upon receipt of a mortgage housing loan or a loan for the creation of an individual housing construction facility. This housing must meet the established sanitary and technical requirements for housing, well-maintained in relation to the conditions locality selected for permanent residence.

52. How can a young family get housing if suddenly the bank refuses a mortgage loan?

According to the terms of the subprogram, all its participants must confirm that the family has income or other funds sufficient to pay the estimated (average) cost of housing in excess of the amount of the subsidy provided. The procedure and conditions for recognizing a young family as having sufficient income or other funds to pay the estimated (average) cost of housing in excess of the amount of the subsidy provided are established by the state authority of the constituent entity of the Russian Federation.

53. If a bank refuses a mortgage loan, is it possible to apply to another bank or attract any funds to pay for the purchased housing?

If the bank refuses a mortgage loan, you can only rely on your own funds.

54. Can nonresident young people who live without permanent registration participate in the subprogram?

You can become a member of the subprogram only at the place of your permanent registration.

55. What is the maximum budget support a young family can expect?

The amount of the subsidy provided to a young family is calculated by the local government that issues the certificate. The calculation of the subsidy is made on the date of issue of the certificate. The amount of the subsidy is indicated in the certificate form and is made on the basis of the norm of the total area of ​​\u200b\u200bthe living quarters established for families of different sizes, the number of members of a young family and the standard cost of 1 sq. m. of the total area of ​​housing in the relevant municipality, in which the young family is registered as a participant in the subprogram.

No. The Federal Agency for Construction and Housing and Public Utilities will provide information and explanations about all changes related to the subprogram through the media and TV.

57. I am 19 years old, my wife is 21. We are expecting a baby. We do not have our own housing. The scholarship is low. Parents help a little. Got a part-time job. Renting an apartment is difficult. Can the program help us somehow?

If you meet the other two conditions of the routine:

1) you are in need of better living conditions;

2) have sufficient income: you have your own funds and funds of a mortgage loan or loan necessary to pay for the purchased housing.

58. I heard that for young families in which one of the family members works in the public sector, there are favorable conditions for obtaining a loan to purchase housing. Is it so?

There are no benefits for public sector employees participating in the subprogram "Provision of housing for young families"

59. What are the area standards for registration for obtaining an apartment?

In each subject of the Russian Federation they are different. Please contact your local government for information.

60. Explain to me: what is the point for the Government to provide part of the housing being commissioned to young families at preferential prices, if any real estate in almost any city is bought up with a bang even at the stage of laying the foundation?

Within the framework of this subprogram, housing at reduced prices is not provided - a subsidy is given for the purchase of housing at market prices. Support for young families in improving their housing conditions is the most important area of ​​Russia's housing policy. Support for young families in solving the housing problem will become the basis for stable living conditions for the most active part of the population, and will affect the improvement of the demographic situation in the country. The possibility of solving the housing problem, including with the attraction of a mortgage loan or loan, will create an incentive for young people to improve the quality of their work.

61. In which bank can a program participant get a mortgage loan - in any or is there any list?

A participant in the program will be able to receive a mortgage loan at any bank or organization, subject to the conditions described in the subprogram.

62. Will the sub-program “Affordable housing for young families” be closed?

The subprogram will operate until 2010. The conditions for terminating the implementation of the subprogram are early achievement of the goals and objectives of the subprogram, as well as changing the mechanisms for implementing the state housing policy.

63. My husband and I are not yet 30 years old and we are expecting a baby. We have studio apartment. Will the program allow us to exchange an existing apartment for a larger one?

Banks have programs for offsetting the cost of apartments available to citizens in order to obtain a mortgage loan for a future apartment.

64. I am 27 years old, my wife is 24, my child is 3 years old, they are registered in Volgograd. Can I get a mortgage loan under the Young Family subprogram to buy an apartment in Moscow?

Subsidies are provided to young families, including at the expense of the budget of the constituent entity of the Russian Federation, so you can become participants in the subprogram only at the place of your permanent registration.

65. How much income should a young family have to participate in the subprogramme?

The amount of your income depends primarily on the cost of housing that you want to purchase. You can assess your possibilities as a borrower by contacting banks or organizations that issue mortgage loans in your region. For example, information about the conditions for granting a mortgage loan according to the standards of the Agency for Housing Mortgage Lending can be obtained on the agency's website www.ahml.ru or from a regional operator working with AHML.

66. We are a young family and want to participate in the subprogram. We would like to know if we are on the waiting list for the improvement of living conditions or not.

To do this, you should contact the local authorities at the place of your permanent registration.

67. If our family decides to have a second child - and we are already 30 years old - then we, it turns out, do not have the right to count on state support and preferential lending programs, for example, to improve housing?

Yes, unfortunately, according to the decree of the Government of the Russian Federation, the age of each of the spouses on the day the executive authority of the constituent entity of the Russian Federation makes a decision to include a young family participating in the subprogram in the list of applicants for a subsidy in the planned year should not exceed 30 years.

68. We are a young family from Voronezh. Will the program help us start an independent life, or is it a “debt hole”?

The program is designed to improve the living conditions of young families. You can become a member of the subprogram, get a mortgage loan and become a homeowner right now, paying for it in accordance with the terms of the loan agreement. Or you can save money and buy a home in a few years - the decision is up to you.

69. What organization in Russia is involved in the program?

The state customer of the program is the Federal Agency for Construction and Housing/Communal Services.

70. We are a young family. We live with parents. Can we be put on the waiting list for improvements? housing issue and, accordingly, in the program, if we fall under the improvement of living conditions in terms of footage?

Collect all the required documents and contact the local authorities at the place of residence, they will tell you if you can become a member of the subprogram.

71. I was offered an apartment under the subprogram in Balashikha, in the Moscow region. What to do? Can I expect that someday I will be offered an option in Moscow? Or settle for the suburbs? But, in this case, I lose my Moscow residence permit.

In this case, only you yourself have to make a choice - whether you live in a new apartment or keep your Moscow residence permit.

72. We are participants in the Affordable Housing for Young Families subprogramme. Applied in 2004 for 2 room apartment. We had a child in 2006, and now we want a 3-room apartment. What is needed for this, where to go?

For all clarifications, you should contact the local authorities, where your documents will be considered in connection with newly discovered circumstances.

73. Tell me, what are the advantages of the waiting list and whether it is worth becoming one. And yes, how is it done. I was asked at the first meeting if we were on the waiting list?

To be recognized as needing residential premises, it is necessary to apply to the local government at the place of permanent registration. Recognition as in need of housing is one of the requirements for participants in the subprogram.

74. We became participants in the subprogram. If I understand correctly, we are only entitled to a one-room apartment. We don't have children yet. And if the baby is born while we are standing in line?

You are entitled to a gratuitous subsidy calculated on the basis of the norm of 42 sq. m. But you can buy any apartment for which you have your own and borrowed funds. The amount of the subsidy is calculated on the date of issue of the certificate, so if you have a child before that time, you will receive a subsidy at the rate of 54 sq.m.

75. I have been a member of the subprogram for 2 years already (the first option, i.e. the waiting list). This year she gave birth to her second child. Do I need to provide any birth documents? Can this somehow affect the speedy receipt of an apartment or does it only affect its cost?

The subprogram only started operating in 2006. You must contact your local government for information on how to participate.

76. In 2005, we purchased an apartment on credit under Sberbank's Young Family program (not a mortgage). I am 30 years old, my wife is 27, our child is 3 years old. The total area of ​​the apartment is 47 sq.m. Can we expect to receive a loan repayment subsidy?

No, the subsidy cannot be used to repay the loan. The subsidy can only be used to purchase a home or to make a down payment on a mortgage loan.

77. My husband and I are on the waiting list for housing as internally displaced persons. We are not yet 30 years old. Can joining the program make a difference? Do we have priority when receiving a subsidy?

You can become a member of the subprogram if you are satisfied with its terms and conditions and meet the requirements of the subprogram. But the right to improve housing conditions with the use of subsidies or other form of state support at the expense of the federal budget is granted to a young family only once.

78. We can not get the status of participants in the subprogram. In the housing law service they do not register. Where to apply?

If you believe that your rights have been violated, appeal against their actions in court.

79. I went to the administration of my village to find out about the “Young Family” subprogram. But the housing committee said that there would be no houses for young families, so don't count on anything. How to be?

First you need to contact the local authorities and find out if the subject of the Russian Federation where you live is participating in the Affordable Housing for a Young Family subprogram.

80. Can our family participate in the sub-program “Affordable housing for young families” if the husband is a seafarer - contracts with different foreign companies, and I'm sitting at home with a three-year-old child?

Contact the local authorities, if your family is recognized as in need of better housing conditions and has sufficient funds to purchase housing, you can become participants in the subprogram.

81. My wife is registered with my parents in one district, I am in another with my parents. Which municipality should I apply for grants?

It is necessary to bring the permanent registration in line with the actual place of residence of the family.

82. My husband and I are under 30, married for 1.5 years, we have two children. Tell me, please, if I register my husband with me, will we be able to participate in the “Young Family” subprogram?

Yes, a young family consisting of young parents and one or more children, in need of better housing conditions and having sufficient income to purchase housing, can participate in the Young Families Housing subprogramme.

83. I am participating in the subprogram, I have completed the documents. Will I be offered a choice of types of houses and areas of the city?

Choose your own housing, taking into account the conditions specified in the regional and municipal programs.

84. How is the amount of the subsidy for young families calculated?

The calculation of the amount of the subsidy is based on the norm of the total living area established for families of different sizes, the number of members of a young family and the standard cost of 1 square meter of total housing area in the relevant municipality in which the young family is registered as a participant in the subprogram.

The standard for the cost of 1 sq.m of total housing area in the municipality is established by the local government, but this standard should not exceed the average market value of 1 sq.m of total housing area in the constituent entity of the Russian Federation, determined by the Government of the Russian Federation, the federal executive body.

85. How many young families will solve their housing problems by 2010?

Successful implementation of the activities of the subprogram will make it possible in 2006/2010 to provide housing for 181.7 thousand young families in need of better housing conditions, including in 2006 - 27.8 thousand young families, in 2007 - 41.7 thousand young families in 2008 - 39 thousand young families, in 2009 - 37 thousand young families and in 2010 - 36 thousand young families, and will also ensure:

Attraction to the housing sector of additional financial resources banks and other organizations providing mortgage housing loans and loans, own funds of citizens;

Development and consolidation of positive demographic trends in society;

Strengthening family relations and reducing the level of social tension in society;

Development of a system of mortgage lending.

86. How does the government intend to help Russians purchase housing using mortgage schemes?

To make a mortgage loan affordable for the majority of the population, it is necessary to increase its term and gradually reduce it. interest rate, it is planned that in 2008 it will be 10%, and by 2010 it will decrease to 8% per annum. For these purposes, the National Project provides for a number of measures, the most important of which is the formation of a mortgage market. valuable papers.

The most important activities in this area are: development and adoption of regulatory legal documents in terms of regulating the mortgage-backed securities market, raising funds pension funds and insurance companies to the mortgage securities market, mortgage insurance, bureau activities credit histories, housing / savings cooperatives, improving the system state registration rights to real estate and transactions with it, protection of the rights of a bona fide purchaser of residential real estate.

87. The implementation of the Program will certainly lead to an increase in demand for housing. Will this lead to higher prices?

Simultaneously with the development of mortgages, the state will stimulate the growth of housing construction. This will ensure that housing demand and supply match. Maintaining the balance will limit prices in the housing market.

88. You can repay a loan for 10-15 years, or you can - all your life. Are there more specific guidelines?

The subprogram states that over time in Russia we must achieve housing affordability, which is determined by a coefficient of 3.2. That is, for an "average" family of three, its total income for a little over three years should be sufficient to purchase an "average" 54 square meters (a standard one-bedroom apartment).

89. What is a "homeowners' association"?

A homeowners association, in accordance with Article 135 of the Housing Code of the Russian Federation, is a non-profit organization, an association of owners of premises in an apartment building for the joint management of the complex real estate, ensuring the operation of this complex, possession, use and, within the limits established by law, the disposal of common property.

90. How is the housing fee determined?

According to Art. 156 of the Housing Code of the Russian Federation, payment for the maintenance and repair of residential premises is established in the amount that ensures the maintenance common property in an apartment building in accordance with the requirements of the law.

The amount of payment for the use of residential premises, payments for the maintenance and repair of residential premises for tenants of residential premises under social rental contracts and contracts for the rental of residential premises of state or municipal housing stock is determined based on the total area occupied (in separate rooms in hostels based on the area of ​​\u200b\u200bthese rooms) residential premises.

91. How is the utility fee calculated?

According to Art. 157 of the Housing Code of the Russian Federation, the amount of payment for utilities is calculated based on the volume of consumed utilities, determined by the readings of metering devices, and in their absence, based on the standards for the consumption of utilities approved by local authorities (in Moscow and St. state authorities of the constituent entities of the Russian Federation in the manner established by the Government of the Russian Federation.

The rules for the provision of public services to citizens are established by the Government of the Russian Federation.

92. When do housing rights and obligations arise?

According to Article 10 of the Housing Code of the Russian Federation, housing rights and obligations arise:

From contracts and other transactions;

From acts of state bodies and acts of local governments;

From judgments who established housing rights and obligations;

As a result of the acquisition of ownership of residential premises;

From membership in housing or housing cooperatives;

Due to the actions of participants in housing relations or the occurrence of events with which the federal law or other regulatory legal act connects the emergence of housing rights and obligations.

93. How is housing rights protected?

Ways to protect housing rights are indicated in Article 11, Clause 1 of the Housing Code of the Russian Federation. Protection of violated housing rights is carried out by the court in accordance with the jurisdiction of cases.

94. Is the footage of a balcony taken into account when determining the total area of ​​an apartment?

According to Article 15, part 5 of the Housing Code of the Russian Federation, the total area of ​​​​a dwelling consists of the sum of the area of ​​\u200b\u200ball parts of such premises, including the area of ​​\u200b\u200bauxiliary premises intended to meet citizens' domestic and other needs related to their living in a residential building, with the exception of balconies , loggias, verandas and terraces.

According to Article 16, Clause 1 of the Housing Code of the Russian Federation, residential premises include: a residential building or part of a residential building, an apartment or part of an apartment, a room.

96. Who exercises state control over the use of housing?

Based on Article 20 of the Housing Code of the Russian Federation, state control over the use and preservation of the housing stock, regardless of its form of ownership, as well as the compliance of residential premises and utilities with the established requirements, is carried out by authorized federal executive bodies, state authorities of the constituent entities of the Russian Federation in accordance with federal law and other regulatory legal acts of the Russian Federation.

97. What is considered a reorganization and redevelopment of a dwelling?

According to Art. 25 of the Housing Code of the Russian Federation, the reorganization of a dwelling is the installation, replacement or transfer engineering networks, sanitary / technical, electrical or other equipment that require changes to the technical passport of the dwelling.

The redevelopment of a dwelling is a change in its configuration, requiring an amendment to the technical passport of the dwelling.

Program "Provision of young families with housing". What do you need to take part?

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Young family

The federal program "Providing Housing for Young Families" is aimed at helping those young spouses whose income does not allow them to purchase an apartment or house at their own expense or pay out to acquire their own living space. Unfortunately, in our country the difference in the material provision of families is quite large, and the state decided to give low-income members of society a chance to get decent housing.

Hence - a fairly large number of restrictions that are designed to cut off those who have sufficient living conditions, or can afford to buy an apartment on their own.

About the program

Initially, the program was designed for 2006-2010, but then it was decided to extend it for the period from 2011 to 2015, later - for 2016-2020. The document formulates only the main provisions, and the specifics are left to the discretion of the regions. Thus, each subject of the Russian Federation has its own peculiarities in the application of the program, and young families wishing to take part in it should contact the local authorities for information. This could be the city's youth department, the municipal property management committee, or some other agency.

The social payment received under the program can be spent on:

• purchase of finished housing;
• construction of a private house;
• payment of a down payment in the case of a mortgage for the purchase or construction of housing;
• repayment of the body of debt or interest on a mortgage.

Requirements for participation in the program

Spouses must be legally married for at least 1 year

We'll consider general provisions federal program to provide housing for young families, not forgetting that in each region it operates with its own characteristics. As already mentioned, in order to become a member, you need to meet a number of fairly strict criteria:

• spouses must be legally married, registered by the registry office. This, of course, is not required if an incomplete family applies for participation in the program;
• spouses must not be older than 35 years. If one of them at the time of the application has overcome this age limit, the family will be denied payment. The presence of a child plays a positive role - it is easier for such families to obtain permission to participate in the program, and the amount of payments will be higher than for families without children. If the family is incomplete, then the age limit, of course, must correspond to the parent who is raising the child;
• the family is included in the group in need of better housing conditions and is registered at the place of residence. To qualify for the program, spouses must have lived in the city for at least five years;
• the family should be able to pay that part of the cost of housing that is not covered by the social payment issued by the state. For this, the money of maternity capital or borrowed funds can be used.

Registration of families in need, eligibility criteria

As you can see, in order to become participants in the program, spouses must first register for the improvement of living conditions. When compiling the lists of families applying for the payment, the order of priority is determined by the date when the application for registration was written, and not by when the application for participation in the program was received. Thus, obtaining the status of a family in need of improved housing conditions is a necessary step on the path to state benefits, and for this you must meet several criteria:

• No more than 12 square meters of living space for each family member.

This indicator is the same for all regions of the Russian Federation. If the whole family is registered in the same place (it does not matter if you are the owner of this housing), then there are no problems with the calculation. The area of ​​the apartment (house) is divided by the number of people registered in it, and not just your family members. But if spouses (and sometimes children) are registered in different places, then difficulties may arise. The calculation also takes into account square meters of housing that you may own, although you do not live in it, as well as any housing that you have owned in the last 5 years, even if it has already been sold.

• Insufficiently high income per family member, including children.

The calculation takes into account not only the salary, but also other incomes of family members, including the probable income from the property or car owned by the family.

If you find it difficult to independently calculate whether your family is eligible for the program, contact the inspector of the appropriate department, and he will help you understand the intricacies of the law. Having received confirmation from an official, you can begin collecting documents for registration. The list will look something like this:

1. certificates of income of family members, including salaries, benefits, scholarships, business income, etc.;
2. certificates and copies of documents indicating the size of the living space on which the family lives, as well as documents of real estate that it owns, if any;
3. copies of marriage certificates, passports and birth certificates of children;
4. an extract from Rosreestr indicating the property owned by the applicant and transactions with it;
5. information about the composition of the family.

Documents required for participation in the program

What documents need to be collected?

After registering as a family in need of better living conditions, you can apply for participation in the program. In general, the package will look like this:

• application in the prescribed form in two copies;
• copies of the identity cards of all family members;
• marriage certificate (for complete families);
• a document from local authorities confirming the fact that the family needs housing;
• documents confirming the availability of income to pay the loan;
• a copy of the certificate of registration with Rosreestr of the ownership of an apartment purchased with a mortgage loan, or documents for the construction in progress of a private house;
• certificate of a credit institution on the amount of principal and interest on a mortgage loan.

Receipt and sale of money

After the receipt of funds from citizens standing in line to receive social payment must notify within 5 days. The lucky ones are given a certificate - a document giving the right to use the funds of the federal program. They must be implemented within 9 months after receiving the certificate. The document is submitted to a credit institution participating in the program, where a bank account is opened, to which funds are received. Childless families receive 30% of the cost of housing, families with children - 5% more.

All payments are made in a non-cash form, "live" money is not given to the participants of the program. Housing must be bought or built in the same region where the application is submitted. A family is eligible to participate in the program only once.

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 the needy categories of citizens and solved a wide range of related issues (modernization of communal infrastructure, etc.). The main 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 governmental 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 public 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 (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 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 is paid building contract.
• 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 Bank loan was not overdue and was received before January 1, 2011, and the housing was tested 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 terms of participation in the project did not change during recent 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 social benefits, which will down payment on credit.

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:

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 Russian citizen.
3. Applicants must be recognized as needing housing by local governments and have an area less than the accounting norm.
4. 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 at e-mail.

What documents are needed

The list of documents that the Young Family program requires from participants is 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 single-parent families).
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. Copy of the loan agreement.
2. A document confirming the need to improve living conditions at the time of issuance of mortgage funds.
3. 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 - about the difficulties of obtaining bank loan Anyone who has ever tried to use this service knows. The subsidy project is an additional guarantee for 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 participants mortgage credit lending on preferential terms. For example, a mortgage for a young family from Sberbank will require only 10 or 15% of the cost of the apartment (depending on the presence or absence of children), 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:

1. Submission of a package of documents to the local government, where within 10 days they must decide whether to accept the candidate or refuse.
2. 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.
3. 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.
4. 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.
5. 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 children with disabilities, etc. The implementation mechanism itself 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 own funds to buy an apartment, participants can use and maternal 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 two options for the sale and purchase are possible - with the help of 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 property value, 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 regulations Moscow. An important regulatory indicator is the average market price for square meter- in the second quarter of 2019, it amounted to 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 long delay the contract of sale 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 limit on the area residential buildings or apartments, but this is 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.

Video

The federal program in its current version is designed for the period from 2016 to 2020. It was developed by order of the Ministry regional development Russian Federation. As part of the federal program "Housing", this subprogram is aimed at supporting young families officially recognized as in need of improving their living conditions.

This program:

• creates conditions for the effective implementation of the national affordable housing project.
• operates on the territory of Russia as a whole and is a particularly important support for Russian citizens living in regions that have not yet adopted regional housing assistance programs for young families.

As part of the Young Family, the state undertakes to pay at least 30% of the cost of housing for families without children, and 35% for families with children.

Terms of the program and its goals

To participate in the Young Families Housing program, all families must meet certain conditions:

1. Age of each spouse (single parent) cannot be over 35 years old.
2. It is important that the local authorities recognize the family as in need of improvement in their living conditions.
3. The applicant must have their own family funds to pay the balance of the cost of housing.

The program provides an opportunity:

• buying a home;
• payment for the construction of an individual residential building;
• making the last share payment for a housing construction or housing savings cooperative;
• payment of the initial mortgage payment in the case of buying a home with a mortgage;
• repayment of a housing loan (principal and interest).

Now it is planned that in just 5 years, about 157 thousand young Russian families will find it easier to buy housing through participation in the program.

Required documents

To participate in the Young Families Housing project, applicants must apply to the city administration - to the Municipal Property Management Committee or to the department that manages housing policy or works directly with young people.

The following documents should be collected:

• a copy of the applicant's passport (copies of documents proving the identity of all family members);
• an extract from the state register of rights to real estate and transactions with it (for each spouse);
• a certificate from the local self-government body on the established accounting norm for the living space area per family member;
• cadastral passport;
• certificate of registration at the place of residence;
• information about the composition of the family;
• an extract from the house book, from the personal account for each family member;
• a certificate stating that the family is registered as in need of better housing conditions;
• a copy of the birth certificate of the child (children);
• a copy of the marriage certificate.

The federal program “Housing” developed in 2002 has not lost its relevance to this day. It allows citizens of different categories to improve living conditions for their families.

Let's take a look at what has been done so far. How to get a subsidy for a house? How did the conditions for participants change?

Description of the state program "Housing"

What Citizens-Participants Get

Buying a house is expensive and out of reach for most young people. Participation in the events of the state program increases the chance of citizens to purchase their own apartment.

Part of the funds will be paid by the state, and the rest will be given on credit. The loan, according to the documents, will be preferential. It provides for rates of 10-12%. This is currently almost two times lower than what banks offer.

The state intends to finance from 30 to 40% of the cost of buying a house or apartment. Specific figures depend on the preferential category and other starting conditions. However, the participant of the program is obliged to prove his own solvency. All the money will not pay for it.

The estimated value of the property, not the market value, is taken into account.

It is planned to repay part of the loan provided under the state program from maternity capital.

Do you need on the subject? and our lawyers will contact you shortly.

What are the goals of the state

The government is obliged to develop all sectors of the economy, while taking care of vulnerable people. The state program "Housing" meets these criteria. Its goals are manifold.

Briefly, they are stated in the documents as follows:

1. Create profitable terms for the development of the construction sector, in terms of creating energy-efficient and environmentally friendly housing.
2. Ensuring a rise in the standard of living of Russians.
3. Solving the housing problem of vulnerable categories of citizens.
4. Fulfillment of social obligations of the state.
5. Organization of joint work of federal and local authorities to develop the infrastructure of cities and villages.

Special attention in the events is given to beneficiaries. The priority categories of citizens, except for young people under 35, are:

• military personnel retired due to seniority;
• police officers;
• prosecutors;
  Investigative Committee;
• scientists;
• liquidators of the accident at the Chernobyl nuclear power plant;
• rescuers.

By decision of the President of the Russian Federation, the list of beneficiaries may be expanded or adjusted.

The documents are about economy-class houses and apartments!

Main criteria for selection of participants

Only citizens of the Russian Federation can apply for a subsidy. The state program applies to young people under the age of 35.

A potential participant will be required to make a down payment for the house.

Its size is fixed. It is 10% of the appraised value of the property. Therefore, the applicant must have such an amount.

The state does not work with cash. The required 10% must be deposited into a bank account.

In addition, specialists will check whether the FTP participant will be able to repay the preferential loan. And this implies a stable family income, which should be documented.

Where to contact potential participants

Having decided on his intentions, the young man must come before September 1 to the administration of the city (town, village) in which he lives. Applications for participation in the state program "Housing" are accepted only until this date.

Apply to current year citizens who will not be 35 years old before November 1 can.

In addition, you must bring the following documents with you. Commission requests are considered. The state body is obliged to respond to the applicant within 10 days. The period is counted from the date of submission of the application.

Frequently asked questions about participation in the program

The documents indicate that the events are designed for young families. However, a single person who meets the restrictive age criteria may apply. According to the Family Code, he is also a separate unit of society.

It is important to have time to decide on your intentions before the age of 35.

What if the husband or wife is over 35? In this case, the other spouse may apply. If all the criteria regarding finances and other conditions are met, then the family will receive state assistance.

The main condition for participation in the program is the age of the applicant. The criterion does not apply to the second spouse.

Required documents

When going to the local administration, you should stock up on certificates, do not forget identification documents.

The receiving specialist will ask you to fill out an application form. This is done in duplicate. It is not recommended to write it in advance, since the application must comply with the established model (will be given on the spot).

The task of the applicant for a preferential loan is to collect the papers in full.

These include the following:

• documents proving the identity of all family members (and their copies);
• marriage certificate (for official cells of society);
• income statements of all employees (only official employment);
• confirmation of the availability of 10% of the cost of the house (from the bank);
• certificate of living conditions.

Action plan

Here is an algorithm of how potential applicants for a subsidy should act.

1. Collect the above documents.
2. Calculate income. Only part of the money, approximately half, should go to repay the loan. The specialist will check that the family is not left without funds after the commitment to participate in the program.
3. Write an application to the local administration. Its essence is that the family needs to improve their living conditions.
4. Confirm the availability of the amount for the first installment.
5. Get a calculation of the amount of the subsidy, in accordance with the current legislation.
6. Wait for a positive decision of the commission.
7. Issue a certificate for a subsidy for the construction (acquisition) of housing.
8. Take the above document to a banking institution (two months are given for this).
9. Conclude a loan agreement with the bank, open an account, find out what documents should be submitted to the bank to use the funds.
10. Purchase an apartment within 9 months.
11. Report on spending.

Results achieved

It is too early to say that the main goals of the state program "Housing" have been achieved. There was no decrease in the cost of apartments and houses, as well as the percentage of young families with satisfactory housing conditions.

Nevertheless, there are some successes. So:

• the share of private housing of Russians is gradually increasing;
• developing mortgage lending;
• volumes of housing stock put into operation are growing;
• the infrastructure of cities is being modernized through the use of budget funds and citizens.

Maximum amount preferential loan is 3 million rubles, and in the capital and St. Petersburg - 8 million rubles.