What housing programs exist. Social programs for the acquisition of housing. Conditions for receiving assistance

Today, there are many programs that allow you to purchase your own housing with the help of the state. One of the problems due to which these transactions have not become widespread is the lack of information among the population about the availability of these very opportunities and the conditions for participating in them. Metrium Group experts reviewed which housing programs for the purchase of housing are in effect in 2016, who has the right to use them, and what laws they are regulated by.

In the distant USSR, every Soviet citizen, working for the benefit of society, could count on receiving free housing from the state, though not in private property- such a concept simply did not exist then. With the collapse of the Soviet Union, this system of distributing apartments to the population disappeared. Now, in most cases, in order to become the owner of real estate, not being the heir of a “prosperous grandmother”, you need to earn money on it or take a loan, but in fact, also earn money. At the same time, the state is not only ready to help certain categories of the population to acquire housing, but must do so, having such obligations to them.

So, who today can be recognized as in need of housing or improvement living conditions?

Firstly, these are citizens who do not own or under a social tenancy agreement (hereinafter referred to as social tenancy) housing in the locality in which they live, work or serve.

Secondly, families who own or socially rent housing, but a large number of people live in it and each has less than 15 sq. meters. Residents fit this criteria. communal apartments in which several unrelated families live, and people in whom one of the relatives suffers from a chronic disease that is harmful to the health of the rest of the residents, and he needs a separate room.

Thirdly, citizens living in apartments or houses that are recognized as dilapidated and / or unsuitable for living, regardless of the form of disposal (owned or socially leased).

In each region, these requirements can be supplemented, in some cases there is an individual consideration of the situation.

Due to the inaccessibility of housing for many segments of the population, the state has developed several programs to subsidize the purchase of housing. Some of them involve relocation from one region to another, the rest, on the contrary, is designed for the fact that the participant must live in the territory of the subject of the Russian Federation in which he wants to buy an apartment for at least 10 years. We note right away that due to the limited amounts allocated from the budget, transactions for the purchase of housing with the involvement of state subsidies very often go in conjunction with a mortgage loan.

I. Federal target program " dwelling” is the most global program of the Government, designed to increase the availability of housing throughout the Russian Federation for various categories of the population in need of improved housing conditions. The program itself includes several subroutines:

1) Subroutine " Provision of housing for young families of the federal target program "Housing"for 2015 - 2020, abbreviated name -" Young family».

The essence of the program is that the state provides the participant with a social benefit in the amount of at least 30% of the cost of housing for young families without children and at least 35% of the cost for young families with one or more children.

Program participants can be young families in which the age of the spouses does not exceed 35 years. New for 2016 is the possibility of single-parent young families consisting of one young parent and one or more children to participate. Previously, only two-parent families could participate in the project. To purchase an apartment, the family will need additional cash: either own savings, or mortgage.

The amount of social benefits is determined based on the total area of an apartment or house, laid down by him according to the number of members of a young family and the standard cost of one square meter of housing established in the region. The funds received are strictly targeted: with their help, you can either buy an apartment only in the primary market, or build a house, both independently and with the help of a share. The program participant certificate can only be used as a down payment on a mortgage in the following banks: PJSC Sberbank, PJSC VTB24 and JSC Rosselkhozbank.

The Young Family program is regulated by Decree of the Government of the Russian Federation of August 25, 2015 No. 889 “On Amendments to the Government Decree Russian Federation dated December 17, 2010 No. 1050”. You can apply for participation in the program at the Department of housing issues in the local administration.

2) Subprogram "Fulfillment of state obligations to provide housing for categories of citizens established by federal law, the federal target program "Housing" for 2015-2020.

As the name implies, the participants in this subprogramme are people to whom the state has obligations, mainly related to their professional activity. The list of participants is quite wide:

Military personnel discharged before 01/01/2005, who are not eligible for participation in the program " military mortgage»;

Citizens subject to resettlement from closed military camps (CVT) and settlements of institutions with special conditions economic activity

Residents of closed administrative-territorial formations (ZATO), registered before January 1, 2015, who wish to move to a new place of residence;

Citizens exposed to radiation due to the disaster at the Chernobyl nuclear power plant and the accident at the Mayak production association, as well as other persons equated to them;

Forced migrants due to emergency circumstances and in need of housing, registered with the Migration Service;

Citizens wishing to move out of the districts Far North and equivalent areas, including the Far East.

Participants of this sub-program can purchase an apartment or a residential building both from an individual and from legal entity using a certificate. You can pay for the purchase both in full at the expense of social benefits, and with the involvement of your own or loan funds. The amount of the subsidy is calculated based on the average cost living quarters, which is determined in accordance with: with the cost of 1 sq. m of housing installed in the respective region and with living space standards. In the case of a mortgage loan, the certificate is taken into account as an initial contribution to PJSC Sberbank and PJSC VTB24.

The subprogram is regulated by Decree of the Government of the Russian Federation dated March 21, 2016 No. 216 “On approval of the Rules for the provision of subventions from federal budget the budgets of the constituent entities of the Russian Federation for the implementation by state authorities of the constituent entities of the Russian Federation of the powers of the Russian Federation transferred to them to provide living quarters for citizens dismissed from military service(services), and persons equated to them.

3) Subroutine " Providing housing for certain categories of citizens»of the federal target program "Housing" for 2015-2020.

Within the framework of this subprogram, several areas have been identified, one of which is the provision of housing for prosecutors, employees of the Investigative Committee of the Russian Federation, employees of scientific organizations, employees of the Ministry of Emergency Situations of the Russian Federation, federal civil servants and young scientists. In fact, this is the provision of housing for social rent for the period of service or work in the relevant department.

The second direction is to provide social benefits for the acquisition of housing by young scientists. These certificates are granted by: The Russian Academy of Sciences (RAS), the Far East, Siberian and Ural Branches of the RAS, the Russian Academy of Medical Sciences - to employees working in the academies of sciences or their subordinate scientific organizations.

Participants of this program can be young scientists under the age of 35 for candidates of science and up to 40 years for doctors of science, who have worked in a scientific organization for at least 5 years and need to improve their living conditions. The amount of the social payment is calculated based on the total area of the dwelling (33 sq. meters) assigned to the scientist, and the average market value 1 sq. meters of housing approved by the Ministry of Construction and Housing and Communal Services of the Russian Federation for the region in which the scientific organization is located. That is, only those scientists who work directly in Moscow can purchase housing in the capital of the country. As in previous programs, it is possible to attract a mortgage loan. On the this moment the program works only in 23 regions of the Russian Federation, in 2016 this list is planned to be expanded. In the Moscow Region, applications from 58 young scientists have already been approved for this year; they will be the first recipients of subsidies for the purchase of apartments in the primary and secondary real estate markets in the capital region.

The legal bases of the Subprogram are Decree of the Government of the Russian Federation No. 765 dated December 14, 2006 “On the procedure for providing young scientists with subsidies for the purchase of residential premises as part of the implementation of measures to provide housing for certain categories of citizens of the federal target program “Housing” for 2002-2010” and the Decree RAS No. 142 dated June 20, 2011 "On the procedure for providing young scientists of the Russian Academy of Sciences with social payments for the purchase of residential premises."

II. Subsidized by separate programs acquisition of housing by police officers, the Ministry of Emergency Situations and the Federal Penitentiary Service ( Federal Service execution of sentences) on the basis of No. 283-FZ of December 30, 2012 and separate resolutions and orders for each department. An employee who has at least 10 years of service and needs to improve their living conditions can apply for a subsidy. The amount of financial assistance is calculated on the basis of the living space standard for each family member and the average market value of 1 sq.m., determined in each region.

III. One more federal program « Housing for a Russian family» being implemented in 2014-2017. within the framework of the state program of the Russian Federation "Providing affordable and comfortable housing and utilities Citizens of the Russian Federation” on the basis of Decree of the Government of the Russian Federation No. 404 dated May 05, 2014 with the support of AHML, the Ministry of Construction and the Government of the Russian Federation. The essence of the program is that developers build economy-class housing, the cost of which should not exceed 35,000 rubles per 1 sq. m. meter. Citizens aged 25-40 who need to improve their living conditions can participate in the program, belonging to the categories: large families, war veterans, scientists, families living in apartments in which there is less than 18 sq. meters, residents of emergency houses and others. The program involves work in all regions of the country, but due to the strict selection of developers, land plots and limiting the cost of 1 sq. meters, today 70 regions are connected, and so far it has become widespread only in the Krasnodar Territory, the Republic of Tatarstan, Irkutsk, Vologda, Volgograd, Tula Regions, the Chechen Republic, Perm region and others. Taking into account the level of prices in the capital, the Government of Moscow did not submit an application for participation in the program to the Ministry of Construction of the Russian Federation. You can get a mortgage to purchase housing under this program at AHML partner banks.

IV. In addition to federal programs, there are programs regulated at the regional level. So, Home Acquisition Assistance Program large family in each of the constituent entities of the Russian Federation may differ in the form and conditions of provision, for example, extraordinary provision of housing for social rent, the possibility of obtaining land plot in long-term preferential use, subsidizing the purchase of housing and others. To clarify what type of assistance is provided in each individual region, you must contact the local administration. A low-income family with three or more children can take advantage of assistance programs. Where support is provided in the form of cash subsidy for the purchase of housing, if the family does not have its own additional funds, the certificate is taken into account as a down payment for a mortgage.

In early 2016, a bill on federal housing subsidies for housing was submitted to the State Duma for consideration. large families. Families with 5 or more children (including adopted children) who have been living in Russia for more than 10 years and need to improve their living conditions will be able to apply for the subsidy. The calculation formula will be similar to the programs above, that is, the number of square meters multiplied by the average market price. However, given that the family is large, the size of the smallest apartment is 75 sq.m. At the moment, the fate of the bill is not yet known.

In addition to programs under which the state provides money before buying a home, there is also the possibility of obtaining monetary compensation already purchased for own funds real estate. Employees of the Federal Penitentiary Service and police officers can apply for such compensation. Also, within the framework of the program of resettlement from emergency housing, every citizen has the right to receive from the state either new housing or compensation for its purchase. Residents of Moscow, St. Petersburg, Ufa, Nizhny Novgorod and Novosibirsk have the right to receive compensation for expenses spent on housing personal funds, while the amount and procedure for payment of compensation is determined by the regional budget.

“Thus, assistance from the state is available to a wide range of people,” sums up Maria Litinetskaya, managing partner of Metrium Group. - In theory, the mechanism for attracting subsidies is quite simple: it is enough not to have housing and apply with a corresponding application to the competent authorities. In practice, the process is quite bureaucratic and consideration of applications can take months. Often, a refusal may be received at all due to an incomplete package of documents or a non-compliance of the applicant for any parameter. All certificates are limited in validity from 2 to 7 months, within which an object must be selected and a package of documents collected. The selection of banks where it is possible to obtain a mortgage takes place on the basis of tenders and is updated every year. Main Feature housing certificates is that the participant does not receive funds in his hands, they are transferred to a special account opened with a bank, from which the funds are received by the seller after state registration deals. Since all activities related to subsidies, as a rule, last for several months, individual sellers sometimes refuse such transactions, and developers manage to raise apartment prices several times or even prefer not to work with subsidies. Because of this, the process of buying real estate involving state certificates has not yet been debugged and has not become massive. Close cooperation between banks and developers with government agencies at the local level will make this scheme more streamlined and increase the number of transactions using government subsidies.”

Publication date 02 June 2016

The Housing program was developed back in 2002, and it is still considered relevant and frequently used.

It is regularly updated and changed. government bodies enabling citizens to improve their living conditions.

This program was developed at the federal level, and is also targeted.

The federal designation says that in every city country goes implementation of the opportunities provided by this program.

Main purpose its aim is to improve the lives of families who have certain housing difficulties. Since such difficulties usually occur in young people, the main condition is the appropriate age of applicants.

She has some subroutines, each of which has its own characteristics, purpose and rules of provision. Before applying for a subsidy, it is recommended to carefully study all the nuances state support to prepare the necessary documentation and other actions in advance.

What regulations govern?

The program is approved by Government Decree No. 1050.

It is this document that contains information about all the conditions under which assistance is provided to citizens to improve their lives.

In him there is information O:

the measures taken;
sources of obtaining funds to finance the project;
describes all categories of citizens who can count on different types subsidies.

Decree No. 889 was issued in 2015, indicating that the program is being extended through 2020.

The essence and purpose of state aid

The essence of this program is to create optimal conditions and provide support to socially vulnerable categories of the population, which will enable them to improve their living conditions. It is appointed only for young families.

The implementation of the "Housing" program pursues several important goals:

When studying the conditions of this program, it can be understood that not everyone can take advantage of it, since basic requirements must be met, therefore only young families and families in need of housing can receive a subsidy.

There are square restrictions., therefore, if a single citizen applies for residential real estate, then it will not exceed 33 square meters in size. m., but for a young family without children, the maximum area is 42 sq. m.

Action of the program "Housing" applies to absolutely all cities of Russia, so there will be no exceptions on a territorial basis.

Each person considering the possibility of using this opportunity must consider what he can get from the state.

TO main proposals applies to:

some part of the cost of real estate will be paid at the expense of the state;
the rest will be provided on credit, and it is offered on preferential terms, so the rate will not be higher than 12%, but life insurance for borrowers will certainly be required.

With public funds up to 35% of the cost of housing is covered, but this percentage may decrease, and each situation is considered separately. This indicator is affected by which category of citizens the applicants belong to, as well as what starting conditions they have.

Member of the program "Housing" must necessarily prove that he is a solvent person and will be able to cope with mortgage payments, since the entire cost of an apartment or house will not be paid for him.

The family is allowed to use for.

Particularly much attention in such support from the state is paid to preferential categories population.

Priority citizens under the age of 35, and who are:

police officers;
military personnel;
prosecutors;
scientists;
rescuers;
liquidators of the consequences of the Chernobyl accident.

This list can be expanded only by the decision of the President.

subroutines

During the implementation of this program, it is expected that certain routines. These include:

The implementation of these subprograms is important for each region of the country, therefore "Housing" is a federal program used in all cities of Russia.

Due to the above subprograms, the activities of the main program are significantly increased, and coverage of a really large number of young Russians is guaranteed. The work of many companies engaged in the construction of residential buildings is being activated. Demand for apartments and houses is on the rise, as buyers are able to use public funds to partially pay for them.

Which categories of the population can participate

Almost all citizens want to receive support from the state, so they are interested in the opportunity to participate in various unusual events. But not everyone can get such help, as there are certain restrictions.

Participate in the Housing Program Only citizens belonging to the categories can:

Thus, only the above categories of the population have the opportunity to become participants in the Housing program. But, by all means, they must have difficulties with living conditions, which must be proven. different ways. They must be registered with the state authorities.

Conditions

Not only is a potential participant in the program considered to be in the desired population, but also whether they meet numerous other conditions. It is advisable to learn about them directly from the regional authorities.

Basic requirements for all citizens included in the relevant categories are:

Thus, in order to receive government support through the Housing program, numerous requirements must be met.

Even single-parent families can receive a significant subsidy from the state for the purchase of housing, if they qualify.

What documents are required

To participate in the "Housing" program, it is required to prepare a complete package of documents.

They transferred to the local government, and the authorities of different regions can change the list of documentation.

Required as standard documentation:

passport of the applicant and all members of his family;
certificate of marriage or divorce;
a certificate that will have to be obtained at the place of earnings, indicating the amount of income of a citizen;
confirmation of the availability of funds in the bank account, which will be sufficient to make the down payment;
certificate confirming that people need to improve their living conditions.

All documents are transferred to the local administration, but employees this institution may require some other paperwork.

The procedure for providing state support

To receive a subsidy from the state under this program, successive actions:

Citizen receives a special certificate, which can only be used through a bank, and its duration is 2 months , therefore, it is urgent to find a suitable property and carry out its purchase.

Thus, the program "Housing" is considered effective and significant for the state, as it implements many important subprograms. It enables people to purchase housing on preferential terms with partial repayment of the cost of real estate at the expense of public funds. To do this, citizens must meet certain requirements and be solvent.

About the rules for providing state aid citizens of Russia in improving their living conditions, see the following video:

Many of our readers know that you can buy real estate not only with your own money - today in our country there are special projects on subsidies and a number of government programs. Attracting funds provided by the state, you can significantly improve your living conditions.

Subsidies and government programs for the purchase of housing- the topic of our today's material. Who can count on subsidies when buying an apartment? What programs are currently operating to help young families, military personnel and low-income categories? We will discuss this in detail below.

First, let's define the concepts of "subsidy" and "state program".

Subsidies

By "subsidy" is meant some sum of money, which the state allocates without the need to return to improve housing conditions. At the same time, only certain categories of citizens have the right to receive a subsidy. The possibility of obtaining a subsidy, as well as its size, directly depends on compliance with certain conditions. The housing subsidy is issued in accordance with the priority only to citizens classified in two categories: those in need of a qualitative improvement in housing conditions or those requiring state assistance in purchasing their own housing. It must be understood that a housing subsidy can be used to purchase both an apartment in a new building and real estate on the secondary market.

State programs

State programs differ from subsidies primarily in that they have restrictions on the duration of their validity, while they can have a priority or apply to all citizens without any priority. If housing subsidy- this is exclusively material gratuitous assistance, then according to state housing programs State support can be expressed not only in monetary terms, but, for example, in the form of certain preferential conditions for obtaining a loan for housing.

We offer you to get acquainted with the most common cash programs for the purchase of real estate.

Maternal capital

One of the most meaningful forms support for families with children, aimed at stimulating an increase in the birth rate, is maternity capital. When the second and next child in the family appears (it doesn’t matter if he is born or adopted), the family receives the right to maternity capital. It should be noted that the state supports only responsible motherhood, i. state support measures are not provided to those mothers who are deprived of parental rights. One of the main conditions for obtaining maternity capital is the presence Russian citizenship: mother and children must be citizens of the Russian Federation.

Another condition for receiving state assistance is the appearance of a child in a certain time period - starting from 01/01/2007.

The amount of money issued as maternity capital has been constantly increasing since its introduction into practice. If in 2007 (the beginning of the program) the maternity capital was 250 thousand rubles, then in the current 2018 year its size increased to 453,026 rubles, due to inflation indicators.

The state very strictly determines the possible purposes for which funds can be directed maternal certificate: housing, education, pension savings mothers, this money can also be used today for the treatment and rehabilitation of a disabled child. In the vast majority of cases, as practice shows, a family's maternity capital certificate is used when purchasing housing or improving housing conditions - for buying an apartment, building a private house, as a down payment when equity participation building a house or paying off a mortgage.

Who receives maternity capital today? The following are entitled to such state support:

women who have given birth (adopted) a second child since 01/01/2007;
women who have given birth (adopted) a third child or subsequent children since 01/01/2007, if they have not previously exercised the right to receive maternity capital;
men who are the sole adopters of the second, third child or subsequent children, if the court decision on adoption entered into legal effect starting from 01.01.2007.

It is possible to receive maternity capital only ONCE, while payments are exempt from income tax.

State program "Young family"

"Young Family" is a program of real financial support young families for housing. The funds allocated under this state program can be used in different ways: spend them on buying an apartment, spend on building your own house, or make them as a down payment on a loan or housing cooperative.

Who has the right to count on subsidies allocated under the Young Family program? Today, families that meet the following conditions can take advantage of the program:

the age of the spouses or one of them (with an incomplete family) at the time of receiving assistance cannot be more than 35 years;
citizenship of the Russian Federation plus official registration of relations for a period of at least 12 months;
the family must have the status of needing better housing conditions;
the couple needs to show a regular income sufficient for monthly loan payments, as well as to have accumulated funds in order to be able to pay for that part of the cost of the apartment that is not covered by the subsidy.
the absence of spouses in the property of other housing.

It is important to understand that in different regions of Russia the conditions for participation in the program may differ significantly. At the same time, the advantage is that not only couples with children, but also childless families can count on government assistance under this program.

military mortgage

For military personnel of the Armed Forces of the Russian Federation, there is a specially designed target program that allows you to get a mortgage loan with preferential terms. The mechanism of the program provides for the use of a savings-mortgage system, which allows employees under the contract to become owners of their housing after a certain period of service.

Four categories of military can take advantage of military mortgages:

First- officers of the Armed Forces who signed their first contract no earlier than 01.01.2005.

Second- midshipmen and warrant officers, whose duration of service from 01.01.2005 under the contract is at least 3 years.

Third- soldiers, sailors, foremen and sergeants, whose 2nd contract was concluded not earlier than 01/01/2005.

Fourth– graduates of universities after 01.01.2005, graduates who signed their first contract before 01.01. 2005

How does this program work? Funds will be transferred to the participant's personal savings account on a monthly basis. You can later spend this accumulated amount on the first installment when buying an apartment - after the three-year period of participation in the program.

To take advantage of the opportunity of the Military Mortgage program, we recommend that you get a detailed detailed consultation from a specialist.

So, we figured out what are the most common subsidies and government programs for the purchase of housing. As you can see, today there is an opportunity, with the help of the state, to both improve your living conditions and become the owner of a new home with maximum benefit. We hope this information will be useful to you and will allow you to find the most suitable option for yourself.

The current social programs regarding the provision of housing give our citizens the opportunity to become the owner of their own apartment.

The set of measures included in the social program for the acquisition of housing is aimed at providing assistance to persons in need of living space or in improving the conditions of the existing one.

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What are the programs for obtaining housing in the Russian Federation? Today we will consider this issue in more detail.

In order to receive benefits under the Young Family social program, certain requirements established by Russian law must be met. Only after completing them you are entitled to receive support from the state.

These requirements include:

You must confirm officially the status in special bodies that your family needs to be provided with living space;
The presence of children in this case is mandatory, at least one child;
In case your family is considered incomplete, your age should not exceed 35 years;
Special status of persons;
In the presence of both spouses, the age of each must not exceed 35 years;
You must have a steady proven income or amount to pay the initial amount.

Federal target program "Housing"

To create an affordable housing market in relation to society, the state program "Housing" was launched, which makes it possible to buy an apartment not only for young families, but also for certain categories of citizens.

The developed program has subprograms that are aimed at separate categories persons

Subprogram 1 - "Provision of housing for young families"

The main conditions necessary for the implementation of the program are:

To use the possibility of state support, when buying a living space, a young family is provided only once;
The voluntary participation of families falling into the category of young is necessary;
An officially recognized status of "In need of living space" is required.

The finances necessary for the implementation of the subprogram come from several sources: the main part is budgetary funds, no less important is the second part, which is formed at the expense of extrabudgetary funds. These include: loans, mortgages, loans, maternity capital and the own finances of a young family.

In the process of implementing this part of the subprogram, the state allocated funds in the amount of 290.1 billion rubles. Assistance in this direction is provided through the provision of social benefits.

The young family has the right to choose to invest the entire amount of maternity capital in the implementation of the program, or only a part of it.

Expenses for which maternity capital can be spent:

Payment of principal and accrued interest loan agreement, with the exception of penalties and interest;
The amounts can be used to pay off the first installment, while providing a loan for the purchase of living space.

In 2014, the value of maternity capital amounted to four hundred twenty-nine thousand four hundred rubles.

Subprogram 2 - "Fulfillment of state obligations to provide housing for categories of citizens established by federal law"

The second subprogram provides for the issuance of housing certificates to certain categories of persons:

Traveling persons from the regions of the Far North and adjacent territories;
Police officers, persons related to military service;
Citizens who have received the legal status of a forced migrant;
Persons dismissed from service and officially registered as needy;
Former Chernobyl victims and persons who received radioactive exposure at the Mayak Production Association;
Citizens who received a pension after working at the Baikonur complex, or who were dismissed as a result of the reduction or liquidation of the organization.

In the process of implementing this subprogram, the state allocated more than 160 billion rubles as financing from budget funds

Social program for the purchase of housing "Sustainable development of rural areas"

Villages are the first to suffer from the shortage of highly qualified personnel. Many residents and young people leave their homes, leaving for numerous cities to study. Subsequently, not finding a decent job and adequate income, most of the villagers move to the cities for permanent residence. The result of this process is a situation where the main inhabitants rural settlements become almost one pensioners.

For this reason, the Government has developed a program aimed at improving the standard of living in the village and attracting young professionals. Program " Sustainable development rural areas» provides financial support to young families and professionals in several areas:

Provides an opportunity on additional preferential terms and mother capital, to receive mortgage loans;
Allocates in the form of social benefits and payments of funds from the budget, aimed at the construction of housing or its purchase in the village.
The process of co-financing is being carried out, regarding lease agreements for residential space with the possibility of further redemption. (see What is beneficial)

In the process of implementing the program, the state allocated about 300 billion rubles as financing from the budget

State program for providing housing for participants and veterans of the Great Patriotic War and hostilities

The Government of the Russian Federation signed a resolution in 2010 guaranteeing the provision of living space to veterans of the Second World War and combatants. The decree also applies to family members of the deceased persons.

The state allocates subventions from the budget, which can be spent only for certain purposes. The calculation of the amount of subventions allocated is calculated in relation to the living space, needy persons who have this right, and the average cost of living space per 1 sq.m.

State assistance to state employees in the purchase of housing

Employees public sector who have worked for more than 12 months public service, get the opportunity to apply for subsidies added to the purchase of living space. The subsidy can be allocated to a person only once. For its registration, it is necessary to comply with certain conditions:

The premises in which you currently live must be declared unusable;
A person applying for subsidies cannot be the owner of the living space or be part of the owner's family. An exception may be if a person with a serious illness lives with you;
At the time of writing the application, the person lives in a hostel;
The area where the specified person lives should not exceed 15 sq.m. for one person;

Payment from the budget is made after the collection and submission of a complete package of documents, at the time of the appropriate turn.

For the majority of the country's population, it is quite difficult to acquire living space using certain benefits and a significant financial injection is required.

Every person, and even more so every family, wants to have their own separate corner in order to build their own nest there. But not everyone can afford to buy an apartment.

It is precisely for such young families that the Young Family program was developed, which in 2017 gained even more popularity among the inhabitants of Russia.

The essence of the program

State program "Young Family" 2017-2020 is aimed at improving the living conditions of the newly minted cells of society, as well as consolidating their positions in financial terms. This project ran from 2011 to 2015. However, Dmitry Medvedev announced a possible extension of the program until 2020. The extension of this program will help many families realize their cherished dream - the acquisition of their own living space. It is planned to provide more than 170,000 Russian couples with housing.

Do not confuse with the Young Family program from Sberbank.

Main conditions and purpose of the program

All such state programs have 2 main goals:

Support for the poor.
Increase in construction volumes in the Russian Federation.

By reducing the market value of housing, many families will be able to afford to buy property. Initially, the maximum cost per 1 sq.m should not exceed 30 thousand rubles, however, after the program began to function, this price soared to 35,000 rubles. in certain regions of the country. Such a jump is due to the fact that prices for building materials have risen, the cost of land has increased.

The main and only condition of the "Young Family" program is that the location of the future home is determined by representatives of the local authorities. They also approve the developer's company, all the necessary documents, projects, according to which the house will be built.

Already by July 1, 2017, 25 million square meters of housing, which are located in 67 subjects of the federation, will be ready for delivery.

In addition, each project must be located with a developed infrastructure, and if there is none, then by the time the object is commissioned, all the necessary buildings (parks, hospitals, kindergartens, shopping centers) should be within walking distance. Another important condition concerns the cost of housing. It should not be higher than 80% of the cost of apartments in the city. Price control is carried out on the basis of federal law.

Who can participate in the Young Family Program?

The conditions for program participants remain the same, namely:

only those families whose dwelling area per each member is less than established in the region of their residence participate in the program;
spouses must be adults. Another nuance - both must be under the age of 35 at the time of application for participation in the Young Family Program;
Families that have their own housing are not allowed to participate.
The government only queues up families that really need an apartment or a house;
joint residence of spouses;
minimum income for two - 21,621 rubles, for three - 32,510 rubles;
at least 1 child in the family;
all family members, including children, must be citizens of the Russian Federation.

For more information about who, according to Art. 51 of the Housing Code of the Russian Federation is recognized as needing housing:
1) if the citizen (and his relatives with whom he is registered) do not own residential premises, and they do not live in “social housing” (i.e. under a social tenancy agreement);
2) if a citizen (or his relatives who have him registered) owns residential premises, or they live in “social housing” (i.e. under a social tenancy agreement), but the area of \u200b\u200bliving premises for each resident is less than the established (accounting) norm;
The accounting norm for living space, below which a family is defined as needy, varies in the regions of Russia, but on average it is 10-14 square meters. meters per person. It takes into account total area housing (without balconies and loggias), as well as all citizens officially registered (registered) permanently on it;
3) citizens living in a room that does not meet necessary requirements, i.e. in emergency housing;
4) citizens living with a patient suffering from a severe form chronic disease where cohabitation is not possible.
When determining the level of housing provision (i.e. how many square meters per person), it matters:

where each family member is registered, regardless of the place of actual residence;
what is the total area of all premises, while taking into account: a) premises (including shares) owned by a citizen, b) premises occupied by a citizen under a social contract. hiring, c) premises owned or occupied under a social contract. employment by relatives with whom the citizen is permanently registered;
and how many people are registered in the considered premises. Thus, if the spouses do not own housing, they still will not be able to get into the program if their parents (who have them registered) have a housing of sufficient size, since the square footage of the parents' property is also taken into account. The family must have their own funds, which, together with the subsidy, will be enough to buy a home, or have income that will allow them to take out a loan for the missing amount. At the same time, funds should be enough to purchase housing, based on the estimated cost, and such an area that each family member has at least the established norm of square meters. meters.

What is the amount of the subsidy? And how to use it?

Each payment case is calculated separately. In order to more accurately know the amount of material compensation, the following calculation principles should be taken as an example:

Young families without children receive 35% of the price of the housing they purchase;
If there are children in the family, then the amount of compensation increases to 40% of the amount for the purchased apartment. In cities of federal significance, this interest rate reduced. So, in St. Petersburg and Moscow, childless families can receive 30% financial assistance, while a family with children - 35% reimbursement of the cost of housing.

Subsidies can be used:

for the purchase of housing;
for the construction of their own house;
for a contribution to the housing cooperative (housing and construction cooperative) for registration of ownership of the apartment;
on the an initial fee on a mortgage;
to pay off debt under a mortgage or other home loan issued before January 1, 2011.

If you meet all of the above criteria and are ready to comply with the necessary points, start collecting a package of documents.

Required documents

Required package of documents for participation in the program:

The application is written according to a standard template (can be found on the State Services website) in 2 copies. The text of the application should contain information about what kind of difficulties the young family is experiencing in terms of housing, as well as a reasoned need for state financial assistance.

After the package of documents is collected completely, the family should contact the real estate department at the place of registration (or in another authorized body) by submitting a copy of the application. The applicant takes the second copy with him.
The estimated time for consideration of the application does not exceed 10 working days. After this period, the applicant receives a letter from the department informing him of the decision.
In the case of a positive answer, the young family becomes a participant in the program (however, the certificate is issued only when the queue comes up).

After receiving the certificate, you should contact the bank with it to open an account where the funds will be transferred (this must be done no later than 2 months after receiving the document).

Applicants should pay attention to the fact that the maximum mortgage amount cannot exceed 2.2 million rubles, in addition, it is forbidden to buy secondary housing under the program.

We wish you good luck with your decision. housing problems and decoration!