Subsidies for the purchase of apartments for young families. Helping young families purchase housing: government program

The activities of the Russian government are aimed at providing assistance to vulnerable segments of the population.

These include:

old people
families with three or more children
disabled people
poor

Today, assistance from the state to young families is especially necessary. Spouses are very often financially limited, do not have free funds and cannot afford to buy their own separate home.

To increase the birth rate in the country, it is necessary to provide high-quality support to the cells of society, so every year the government allocates considerable funds from the annual budget for the development and implementation of various social support programs.

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State benefits and assistance programs for young Russian families

Assistance provided at the federal and local levels can provide significant support in the implementation of the life plans of spouses. Therefore, it is important to know what subsidies and benefits are available to a young husband and wife.

Affordable Housing

The housing issue remains one of the most pressing in the country. Few young families have the available funds to buy a separate apartment or build a residential building. Living with your parents or renting a home is not always convenient or profitable.

The government's activities are aimed at solving this acute problem. Every year large amounts of money are allocated from the federal and regional budgets for the development and implementation of special social programs to help citizens.

“Providing young families with affordable housing” is one of the most popular and popular types of government support for citizens.

The program has existed for several years and is aimed at providing real assistance to the Russian population in purchasing housing. The state allocates funds in the amount of 30-35% of the total cost of housing. The rest must be paid by the program participants.

Who can get help

There are a number of conditions that a young spouse must meet in order to obtain a certificate:

The wife and husband cannot be older than 35 years of age upon entry into the program.
A family wishing to receive a subsidy must be recognized by local authorities as truly in need of improved housing conditions. According to the terms of the project and the legislation of the Russian Federation, each family member, including small ones, is entitled to at least 18 meters of space.
The spouses have savings or income that is enough to pay 65-70% of the amount when buying a residential house or apartment, or they have the opportunity to obtain a mortgage loan from a commercial bank.

Single-parent families with one or more children who meet the general criteria and requirements can also take advantage of the right to state assistance.

If deliberately false or incomplete documents are submitted, spouses will be excluded from participating in the program.
The right to receive assistance is a certificate that is transferred to a commercial bank.

It is important to note that the certificate must be transferred to the specified bank no later than two months from the date of its receipt, otherwise it will be declared invalid.

How can you manage your money?

There are several options for where you can send the certificate. Young spouses have several options for disposing of the document:

Purchasing an apartment or house on both the primary and secondary markets, for those who joined the program before 2014.
Purchasing housing on the primary market.
Making a down payment on a mortgage loan.
Directing funds for the construction of a residential building.
Payment of share contribution.

Obtaining a certificate

To apply for financial assistance from the state, young spouses need to contact the authorized local government authorities.

If a family in need meets the program's eligibility requirements, they are assigned a number in the queue. Once you receive the certificate, it must be sold within nine months.

Documentation

To be eligible for payment, you need to prepare a simple package of documents:

copies of parents' passports
copies of birth certificates of all children
copy of marriage certificate
documents officially confirming the fact that authorized bodies have recognized a family as truly in need of improved housing conditions
certificates confirming direct or indirect income, which allows you to contribute the missing part of the funds or apply for a mortgage
application for participation in the program

This is the main package of documents; some additional information is possible depending on the specific situation.

Social mortgage

Large commercial banks, thanks to government support, offer special mortgage conditions to young families.

This makes the loan product more accessible to different segments of the population, reduces the monthly financial burden and reduces the total amount of interest paid to the bank. The main advantages of social mortgages are:

payment of part of the interest by the state
upon birth in each family, the principal debt and interest may be reduced if this is specified in the contract

Owners of this loan product can take advantage of all the opportunities when purchasing a home, as with a regular mortgage:

receiving a tax deduction when purchasing real estate
contribution of maternity capital to repay the principal debt or interest on the mortgage
if there is a special additional subsidy, it can be used as a down payment for purchasing a home

Not everyone has the opportunity to obtain a social mortgage.

To receive it, you must submit certain documents and certificates to the credit institution and stand in line.

Benefits for large families

The government of the country is trying to provide great assistance to young families with three or more children.

To educate future citizens of the Russian Federation, good living conditions and a favorable social environment are necessary.

To this end, the government issues laws that are aimed at maintaining a decent standard of living for large families.

They are entitled to:

preferential tariffs for housing and communal services
allocation of land for the construction of residential buildings or farming, including for commercial purposes
provision of medicines to children under 6 years of age
full or partial removal of obligations to pay land tax
exemption from fares on public transport
free meals for children in preschool and school institutions
advantage in queues for nurseries and kindergartens
purchase of school uniforms at state expense
assistance in cultural development in the form of free admission to museums and exhibitions

Maternal (family capital)

A certificate confirming the right to receive and use maternal (family) capital is issued to the mother, father or guardian at birth, as well as the adoption of a second child since 2007.

If the family has not previously exercised the right to obtain a certificate, it can also be obtained after the birth of the third or subsequent children. Every year the amount of financial assistance is indexed and grows.

Thousands of Russian families have already used the opportunity to receive this financial support from the state.

How can you use the certificate?

Cash withdrawals will not be possible. The certificate can be used for certain purposes:

improvement of living conditions
payment for children's education
formation of a funded maternal pension.

The first step in obtaining a certificate will be to contact the registry office. There they will issue a birth certificate for the child, giving the right to receive financial assistance. Then you need to go to the Russian Pension Fund along with the previously collected certificates and documents.

After acceptance of the application, payments are made for the specified purposes within 2 months.

Package of documents

To obtain a certificate giving the right to a government payment, you need to contact the Pension Fund at your address of residence or registration with certain documents:

statement
copy and original passport
copies and originals of birth certificates of all children
SNILS of the applicant
a copy of the marriage certificate, in case of a surname change

Additional state benefits

The government strives to provide the population with everything they need. Helping young families is one of the priority areas of activity of the Russian Federation.

Every year, new projects and programs are developed and implemented aimed at improving the standard of living of the country’s citizens. The following assistance is available to young sections of society:

dairy kitchen for children from 8 months to 2 years
free medicines for children under 3 years old
help for student parents
free travel for children under 7 years old
tax benefits
additional benefits and increased benefits for
low-income families and single parents

Most regions of Russia are also introducing additional benefits and subsidies to help the population.

Programs to help the population in 2015. Changes and innovations

The country's demographic policy is aimed at increasing the birth rate in the country and reducing mortality. Assistance to young families from the state in 2015 is aimed at creating the necessary conditions for the birth of children and at improving the level and quality of life.

2015 was planned to be the final year for some major government programs to support the young population. However, the main ones were extended for some time.

Subsidies for the purchase of housing

Today the work of the program “Providing young families with affordable housing” continues. During the program period, it is planned to provide necessary housing to 172 thousand Russian families, spending 313.13 billion rubles.

Sources of program funding

Federal budget - 28.18 billion rubles.
Regional budget - 65.76 billion rubles.
Savings and own or borrowed funds of citizens - 219.19 billion rubles.

For those who entered the program in 2015, the following financial assistance is provided:

A subsidy of 35% of the full cost of real estate for childless families. The total family budget should not be less than 21,621 thousand rubles, the approximate amount of payment is 600 thousand rubles.
A subsidy of 40% of the full cost of housing for families with one or more children. The total family budget and the approximate amount of payments depend on the number of members of the needy family.

Changes

The basic rules and conditions of the program remain unchanged, but there are some innovations that appeared last year:

purchase of housing on the secondary market is prohibited
removed the option to repay the principal or interest on the mortgage loan

The changes do not affect those who joined the program before 2014.

According to the original plan, 2015 was planned to be the last year for the implementation of the popular program, but so far its closure is not expected. Presumably, the subsidy will be extended until 2020.

There have been no significant changes in this project and are not expected this year.

Maternity capital in 2015

Material assistance was indexed in 2015 and was determined in the amount of 453,026.0 rubles. The state took measures to combat the difficult situation in the country, and citizens had the opportunity to allocate part of the funds from the certificate in the amount of 20 thousand rubles for everyday needs.

To do this, you need to go to the Pension Fund and write an application for payment of funds. You can receive the required money no later than two months from the date of submission of all necessary certificates and documents.

Preferential lending programs

As before, several large banks, with government support, sell loan products with reduced interest rates to needy young families. List of organizations 2015:

VTB 24
Gazprombank
Sberbank.

Prospects

Back in 2013, a new bill was prepared, called “On additional measures to support young families,” aimed at providing support to the population.

Information is on the official website of the State Duma. According to this document, spouses have the opportunity to receive:

interest-free loan for the purchase or construction of real estate if the family has many children
special housing payment from the state at the birth of each child
preferential mortgage rate
social assistance in the form of a certain payment for the purchase or construction of housing

But this bill is still under consideration, and the timing of its adoption is still unknown.

Future plans

Every year the government issues new bills. Will the state provide the necessary assistance to a young family in 2016? Without a doubt, the answer to the question is yes.

The demographic situation in Russia has not been completely resolved, although positive dynamics are already noticeable.

Housing programs

A project such as “Providing young families with affordable housing” will operate in 2016. On August 25 of this year, Dmitry Medvedev approved Resolution No. 889, on the basis of which assistance will be provided for another five-year period.

The project has shown high efficiency in solving a complex demographic issue. It is planned to provide support to another 235 thousand young families until the end of the program. Estimated date 2020.

Maternity capital in 2016

The period of existence of the program was calculated for 2007–2016. No significant innovations or changes are expected in the project. However, the issue of extending the program is urgent. There are various variations of the bill:

Eligibility for the subsidy will be available only to needy low-income families.
Indexation will be canceled for the coming years, or it will be significantly reduced.
The only direction for implementing the certificate will be to improve living conditions, since education services in Russia should be provided free of charge, and the third option of pension savings is not popular among citizens.
The use of maternal (family capital) will become available only for the purchase of housing on the primary market, shared or individual construction.

Dairy kitchen

A big scandal erupted over the closure of the dairy kitchen in 2016. Young parents were not prepared for such a sudden cessation of operations at baby food distribution points. Thousands of citizen signatures were collected to overturn this decision.

The government met the population halfway and postponed the closure of the dairy kitchen until at least 2016.

There are no additional new projects planned for 2016. In times of crisis, it is difficult for the state to allocate funds from the budget to implement support programs for young Russian families. However, the government promises to fulfill existing obligations in full.

State policy of support for young families

of the Russian Federation is aimed at improving the quality of life and improving the demographic situation. For this purpose, special programs have been created to make it easier for spouses to realize their plans for the future.

Special benefits for large families and single parents help ensure the full development and education of children. The government strives to provide free assistance to the population, thus showing concern for the future generation and the state of the country as a whole.

You can watch the video about helping young families:

Submit your question in the form below

Main goals of the program

Social support for the population is designed to provide citizens with comfortable housing on favorable terms. The subsidy consists of partial (30-40%) repayment of the cost of the purchased property through mortgage lending. The exact numbers depend on the preferential category and the specific region.

This program was officially approved by Russian government decree No. 1050. In 2016, amendments were made through Resolution No. 855.

The main goal of this program is to provide citizens with housing on favorable (preferential) terms for them. With the growth of purchasing power (government subsidies motivate those who previously did not have such an opportunity to purchase real estate), the volume of residential construction increases.

This goal is due to the fact that in the first decade of the 21st century there has been a shortage of housing stock in the country. Despite the large number of mortgage lending offers, many working citizens simply do not have the opportunity to pay such substantial monthly payments.

Support for the population in purchasing housing should improve the standard of living in the country as a whole, especially for privileged categories of citizens. These, in addition to young families, include internal affairs workers, scientists, rescue workers, and retired military personnel (according to length of service).

Adjustments for the period 2016-2020

5 years after the creation of this program, certain changes were made to it, namely:

Secondary housing has become more affordable. Until recently, this range of real estate was considered excessively expensive. The introduced benefits make it possible to reduce the rate on secondary mortgage lending to 10-11% per annum.
The maximum housing price has been increased. For the regions - 4 million rubles, for Moscow and St. Petersburg - 10 million. Thanks to this, the number of people wishing to participate in the program should increase.
The list of citizens for whom participation is available has been adjusted (conditions are presented below).
Mortgage lending has been introduced for individual housing construction (private low-rise construction). The maximum limit is 3 million rubles. at an annual rate of no more than 10.5%.

Conditions of participation 2016-2020 for young families

The conditions for participation in the federal Housing program from 2016 to 2020 are as follows:

Important: the program laureate must not own housing that meets all standards.

If a person belongs to a special preferential category (disabled people, large families, veterans, etc.), more favorable subsidies are optimal for him, up to the provision of free housing.

How and where to contact

In order to become a participant in the Housing program, you must come to the local administration with an application before September 1. Filled out in 2 copies.

You will also need to provide the following list of documents:

Russian Federation passports for all family members. If they are not available, a military ID, driver's license or similar document.
Birth certificates for minor children (if available).
Marriage certificate.
Certificates confirming income (NDFL-2). In this case, official employment is required; the program does not yet apply to self-employed persons.
A bank statement stating that the person has in his account the amount required to make a down payment (10% of the price of the property).
Certificate of living conditions.

Administration staff will review the documents and issue a verdict. If the decision is positive, the amount of the state subsidy will be calculated. Based on this, the person will be issued a certificate to receive funds.

Then, within 2 months (the validity period of this certificate), the person must contact the bank and enter into a mortgage loan agreement, providing the received certificate. A citizen has 9 months to purchase an apartment.

Video about the implementation of the program

If you receive a subsidy, a person will need to report on the funds spent after purchasing real estate. This is how the government prevents the possibility of fraudulent schemes.

Lawyer's answer (Mikhail Alexandrovich I.)

It can be better Arranges Like

At all times, young people belonged to the socially vulnerable segments of the population. Professional and life experience is small, salaries and savings usually want to be much better (if they exist at all). And if a marriage has been concluded and even, perhaps, a child has been born, then, of course, she simply needs help and support!
The most pressing problem for some, a very significant problem that a newly created family first faces, is the housing issue, and to put it bluntly, it is the lack of their own housing. The reason for such circumstances is banal - the modest financial capabilities of the young spouses. What kind of assistance from the state can young spouses expect?
Supporting a young family with special programs
At the moment in Russia, fortunately, there are several government programs aimed at providing financial support to young spouses (with or without children), and their implementation is a significant help to young married couples in solving the housing problem.
It is no secret that young people have the most difficulty understanding the intricacies of laws and regulations due to their inexperience. In this material we will try to highlight the state federal program “Young Family” and help young spouses become participants in this program, which is valid until 2015.
The purpose of this program is to pay its participant a subsidy of a fixed amount for the purchase of housing. In each region, regional or regional administrations issue decrees (orders) that regulate the actions of the Program in a specific locality. Since the amount of the subsidy due is “tied” to the average market value of a square meter of living space, its value is not constant throughout the Russian Federation. In addition, factors such as childlessness or the birth of a child (children) in a young family are taken into account.
Conditions for participation in the popular state program “Young Family” for 2013, 2014, 2015
Young spouses can become participants in this program, that is, receive a subsidy (subsidy) to improve their living conditions, if the following requirements are met:
The young spouses are citizens of the Russian Federation.
The age of the husband and wife must not exceed 35 years of age.
The family in question must be recognized by the relevant authorities as needing to improve their current living conditions in the prescribed manner, that is, they are or will be re-registered (in line for the said improvement of living conditions), respectively, with the administration of their locality.
Neither of the young spouses should have their own home.
The family's income or savings must be sufficient to pay part of the cost of the purchased housing (in excess of the subsidy amount).
The amount of the subsidy due will be higher if there is a child(ren) in the family.
Methods to confirm solvency
It is important to emphasize that the subsidy is issued free of charge. However, young spouses must confirm that they have sufficient income or other funds necessary for the subsequent (in excess of the subsidized amount) payment of the cost of the purchased housing.
You can do this in the following ways:
or providing a copy of the bank account of one of the family members (from any bank), this can also be a certificate issued by the bank;
or provision of a guarantee, notarized, obligation of an individual or legal entity to issue the required amount after participants in the program receive a certificate (certificate) of the right to receive a subsidy;
or providing a copy of the agreement on the loan of funds and a copy of the receipt for the payment of borrowed funds by legal entities or individuals.
How to use the subsidy received under the program
The financial assistance provided by the program is targeted. It is aimed at improving living conditions, so it can only be used to solve a housing problem:
building a house or buying an apartment;
participation in shared construction of residential premises;
down payment to a housing construction cooperative (HCB) and registration of ownership of an apartment;
repayment of debt on a housing loan (including mortgage) that was issued earlier;
down payment when taking out a mortgage loan for a home.
Procedure for young spouses
To find out all the requirements necessary to apply for a subsidy in your region, you need to contact the administration of the locality where the young spouses are registered and live.

Stage 1. The program participant (family) undergoes the procedure for being recognized as needing to improve the quality (i.e., improvement) of their current living conditions. The application and certificates of Form No. 9 must be reviewed by employees of the housing registration and distribution department of the locality administration. Those young families who were previously put on a waiting list for improved housing conditions are being re-registered.
Stage 2. Registration and receipt of the relevant certificate.
Stage 3. The procedure for confirming the solvency of a young family. Of course, both spouses must have stable incomes or accumulated funds, since the amount of subsidized assistance does not allow them to completely solve the housing problem.
Stage 4. Submitting an application and a package of necessary documents for participation in the state. program with the self-explanatory title “Young Family”.
Stage 5. Selecting a residential premises, as well as a partner bank.
Stage 6. Obtaining a subsidy certificate and concluding a purchase and sale agreement for residential premises.
Stage 7. Providing the received certificate to the bank. The partner bank, in turn, opens a bank account where funds will be received for program participants.
If the due subsidy (social payment) to the young spouses is transferred from her bank account to the account of the seller of the residential premises, then from that moment the family is considered to have taken part in the Program and is excluded from the queue for improving the quality of housing conditions in the administration of the locality.
Package of documents for participation in the program
At stage 4 you will need a package of the following documents:
Application in standard form in two copies.
Copies of spouses' passports.
Copies of birth certificates (if they exist, of course) of children.
A copy of the marriage certificate (there must be one).
Certificate of registration of persons for the necessary registration (queue) regarding the improvement of living conditions.
Bank certificate about the balance of debt on a housing loan or mortgage agreement, if any agreements were concluded previously.
Copies of documents are presented along with the originals.
After choosing a residential property and a partner bank (stage 5), the young spouses present copies of documents for housing under construction and a copy of the agreement with the bank.
Additional information about the Young Family program
As part of the federal state program “Young Family,” regional and city programs with the promising title “Affordable Housing for Young Families” have been developed and operate. The terms of these documents have some differences, primarily related to the amount of the subsidy due. Be careful, as banks began to create similar Programs, but without government support, trying to increase the number of their clients.
It should also be emphasized that the Young Family program does not provide a mortgage loan! It provides for the issuance of subsidies and material assistance intended to improve living conditions. This assistance is targeted and cannot be used to purchase a car, household appliances, etc.
Under no circumstances (this is very important to understand) is a free subsidy given to a young family given in person (cash), but transferred to the family’s bank account.
Quite often, this program is confused with the “Young Family” mortgage programs that are currently in effect. These are completely different events, so be careful, a mortgage means a loan - a targeted long-term loan with subsequent payment on time. This article was about a free subsidy (subsidy) to a young family from the state to improve their living conditions.
Persons who live in a so-called civil marriage that does not have official registration cannot rely on subsidies intended for young families. Single-parent families (with one parent and a child) can take full advantage of this program.
As for choosing a partner bank that will help you take advantage of government financial assistance, we would recommend Sberbank of Russia, which has been working reliably in the interests of a young family in recent years.

Lawyer's answer (Alexander Andreevich)

It can be better Arranges Like

There is a program for 2016, but you are participating in the real one. Don't worry, it's just a name. In order to secure the contract, you need legal advice

Elena

Hello! Can a family that is expected to welcome their first child in January 2017, that currently does not own residential premises, but plans to purchase an apartment in the near future, can count on assistance from the state under the Young Family Affordable Housing Program (“Housing”; “ Housing for a young family") as further repayment of a loan or mortgage? Both spouses are under 35.

Total answers: 1

Lawyer's response (Duty lawyer)

It can be better Arranges Like

theoretically this is possible, but it is desirable that each spouse has no property, as well as registration in the same region of the subject.

Julia

Hello, I have a question, our apartment burned down 2 years ago, which was in a social network. We were hired, a fire occurred in our apartment, the housing was declared unsuitable for living, but we were told that we would not get housing, since they were the culprits, I wrote a letter to the president on the website, all this time we were saving for the down payment of the mortgage, as it is clear to us they made it clear that they would not give us anything, today we came to stand in line to help a young family, we met with the same woman who refused us, she said why did you complain to the government, you were provided with housing, we have been waiting for you for a year, you they didn’t come, they refused, you received all the notifications, but we didn’t receive anything, no one called us, it’s not clear where it all came from. She said that they waited for us for a year, and then deregistered us! And now we can’t apply for housing! She suggested that my daughter and I check out of that housing and register with my husband and mother, in 29 kV, and go as help to a young family. In this regard, I have the following question: can we restore the right to an apartment that was provided to us, as it were, which we didn’t even know about, because we didn’t write written refusals, didn’t sign anything, a 6-year-old child is registered in the burnt apartment, we kind of homeless people are considered, help me tell me what to do

The first most pressing problem for a newly-made family is the lack of their own home. In some cases, the material resources of newlyweds allow them to soon acquire their own housing. Often a young family receives housing from their parents. But most have to huddle in rented apartments until the opportunity arises to purchase something of their own. Therefore, the state is implementing a special targeted Federal program “Housing”, within the framework of which the subprogram “Providing housing for young families” operates. The program began in 2011. It has currently been extended until 2020.

The legislative framework of the program is the same for all regions of the country; its implementation differs slightly in different regions of the Russian Federation. Since 2016, the new Decree of the Government of Russia dated May 26, 2016 has restored the right of a young family to use a special social payment to repay a previously taken out mortgage loan. This was prohibited until 2016.

Objectives of the youth subsidy program

A young family can receive special subsidies under the program. Subsidies are targeted and can be implemented in the following cases:

To purchase a house or apartment on the primary or secondary housing market. The acquisition of secondary market real estate has not been implemented in all constituent entities of the Russian Federation.
To pay for the concluded contract for the construction of residential premises.
To pay the down payment when providing a family with a mortgage loan.
To repay the balance of the debt under an existing mortgage loan agreement or to pay the first installment under a housing cooperative agreement.

The property for which a young family can receive subsidies must be suitable for its permanent residence, and also be located in the region where the subsidy was issued. The total area of housing purchased or under construction should not be less than special standards per each family member.

Conditions for receiving a housing subsidy for a young family

The state implements a program to support young families if a number of conditions are met:

Both spouses are citizens of the Russian Federation.
The family is officially registered as in need of improved living conditions.
Both spouses were under the age of 35 at the time of approval of the list for assistance.
The family has children, and at least one parent is a citizen of the Russian Federation. Some regions consider it mandatory to have a child in the family.
The total family income allows you to conclude a mortgage agreement with a bank. Or the family has funds that, together with the subsidy, are enough to buy a home.

The right to subsidize the purchase of living real estate from the state can only be used once.

How is the amount of housing subsidy for a young family determined?

The amount of the subsidy is determined at the time of final approval of the list of families to whom it will be provided. According to the program, families without children will receive 30% of the estimated value of the purchased property. And families with children - 35%. If the purpose of using the subsidy is to repay the balance of the contribution for a share in a housing cooperative or to pay the balance of the debt to the bank on a mortgage loan, then its size is limited to such amounts.

Subsidization is calculated based on the norm for the total area per family and the normative cost of 1 square meter. housing in this locality. When determining the standard, the average regional market value of housing is taken into account. This figure is approved quarterly by the Ministry of Construction of Russia with mandatory publication on the official website. The cost standard cannot exceed this figure.

According to standards, the standard total area for a family that has not yet had time to have children is 42 square meters. If there are three or more people in a family, then per family member the norm is 18 square meters. The total amount of the subsidy for a family without children (2 people) will not exceed 600 thousand rubles. A family of three can count on a maximum of 800 thousand rubles. If there are more than 4 people in a family, then the maximum subsidy will be 1 million rubles.

Young families with many children can count on specific benefits in addition to the program. They are different in each region. In some cases, a large family receives assistance from the state to cover 100% of the costs of purchasing residential real estate.

How to apply for a subsidy?

If a young family meets the conditions described above, then it can count on government support when purchasing a home.

First, you need to consult your local housing policy department or youth affairs committee. There you can clarify the list of documents required to complete an application for assistance.

After submitting an application, municipal authorities will include the family indicated in it on the list for receiving subsidies, which will be formed for the next year. Applications are included in the list in order of priority. Families with three or more children have the right to be included on the list without waiting lists.

Based on the compiled lists and information from the constituent entity of the Russian Federation on the amount of funding, final lists are formed. If the age of at least one family member at the time of approval of the lists exceeded 35 years, then the family is excluded from the list.

Within 5-15 days after the final approval of the lists for subsidies, municipal authorities must notify families that they are included in the program to receive assistance for the next year and issue them special certificates, which are the basis for receiving subsidies. The family submits this document to the bank within a month to open an account to receive targeted funds under the program.

Local programs for solving the housing problem of young families

In the constituent entities of the Russian Federation, there are also local programs that are aimed at helping young families buy housing. To take advantage of regional social programs, you need to collect a package of documents and submit them to local municipal authorities.

The applicant provides the following documents:

application in the approved form;
copies of documents for each family member - passport, marriage certificate, birth certificate of children;
a document confirming the need to purchase housing;
a document confirming the total family income or a bank statement indicating that the family has funds to purchase housing if they receive a subsidy.

If a young family has already purchased housing through a mortgage loan, or has built one, then they can receive compensation for the expenses incurred. To do this, you will need to provide the following documents to municipal authorities:

a copy of a certificate confirming state registration or a construction contract, which is proof of expenses incurred for the construction of real estate;
a certificate from the bank with information about the amount of debt on the mortgage loan.

Municipal authorities check the submitted documents, after which they include the family in the assistance program within 10 days. If a subsidy is refused, the applicant must be notified of this within five days and the reason for the refusal must be indicated.

Why may they refuse to receive a subsidy?

Municipal authorities do not always make a positive decision to assist young people in purchasing housing. Sometimes you may face rejection. There are a number of reasons for this:

Does not meet program age or citizenship requirements.
The package of documents is not complete.
The subsidy application must be submitted again.

The main problem that newly-made young families face is a huge queue. You may not be able to wait until you reach the age of 35 to be included in the program. Also, in many regions, the subsidy does not apply to the purchase of new finished housing on the primary market or secondary market. Low-income families are also not eligible for the program.

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

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

In Moscow, the program retains only the general principles of the state housing initiative. It has its own characteristics and develops according to a separate scenario. According to it, young families are offered buy apartments at a discounted price owned by the city.

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

The Moscow program is designed to help families with a sufficient level of income that allows them to repay a loan (installments), but does not allow them to save money for an apartment in a reasonable period of time. The program brings the family closer to the moment of purchasing their own home.

Housing programs for young families in Moscow

In the Russian Federation there is a national program “Affordable housing for young families” (Resolution No. 889 of August 25, 2015). It provides for financing a number of regions from the federal budget, in 2017 there were 74 of them. Money for Moscow from the state budget in 2016-2017. didn't stand out. That is, formally the state program does not apply here.

Operates in Moscow city initiative, the purpose of which is to help city residents purchase housing. It operates within the framework of the Moscow state program “Housing” for 2012-2018, or more precisely, subprogram 2 “Fulfillment of government obligations”(Resolution No. 454-PP November 27, 2011). Now the third stage is in effect initiatives.

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

The goal of the program is to prevent an increase in the number of young families registered as in need of improved living conditions. According to this principle, a certain number of apartments and amounts are allocated annually to ensure cash write-offs. Other goals: reduce social tension in the city, help improve the demographic situation, and make housing more affordable.

Who is eligible to receive a subsidy (conditions of participation)

Can participate in the Moscow program complete families with or without children, in which the age of each parent does not exceed 35 years (inclusive). If the couple does not have children, they must be married for at least 1 year. May also participate single-parent families, where the age of the father/mother also does not exceed 35 years. The following conditions must be met:

Applicants must be registered as in need of improved housing conditions. Or stand in line to receive help from the city of Moscow in purchasing residential premises.
At least one spouse/parent must have Moscow registration.
All family members must be Russian citizens.
The family must have income to pay the mortgage or installment plan.

Having children in the family is really not necessary. But applicants with many children, as well as those who have disabled children, receive the right to partial compensation for the cost of housing they buy from the city, and to first places in line.

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

How much social benefits are provided?

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

30% - for parents with three or more children or at least one disabled child (if these children exist before the conclusion of the program agreement).
30% - in case of birth or adoption of a child into the family after the conclusion of the contract (but not more than what remains to be paid). Write-off is carried out in accordance with Resolution No. 461-PP dated July 6, 2004. It is provided for each child born (adopted) during the period of validity of the contract.
Full write-off of the balance of debt at birth for applicants of twins, triplets or a disabled child. Not available for adopted children. Can only be allocated if the family has complied with the payment schedule.

If applicants received a 30% write-off as having many children, and then they have another child, they can use the birth/adoption benefit (another 30%). For young families when purchasing housing under the Moscow city program along with their own funds allowed to use maternity capital.

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

The redemption price of 1 m² and the amount of interest for installments is determined according to the regulations of Moscow. The cost of redemption depends on the standard cost of housing in the city. The average market price of 1 m² of residential premises in Moscow in the 2nd quarter of 2017 is 90,400 rubles.

Also, the young family receives compensation for the funds they spend on renting (subletting) residential premises. If the family has a disabled child, or two or more children, compensation is calculated with a coefficient of 1.95.

Where to apply for the “Young Family” program in Moscow?

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

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

The preferential right to conclude a contract is given to families with three or more children. Or in which twins, triplets or a disabled child will be born (adopted).

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

How to use the subsidy under the “Young Family” program

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

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

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

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