Gos mortgage program for a young family. Social payments for the purchase of housing for a young family. What you need to participate

Provided as one-time cash payments to families. Money can be spent for the purchase or construction of own housing. They will cover part of the cost. Recipients of the payment will have to pay the remaining amount from their own funds.

The program "Young Family" in the Moscow region is developing rapidly. The region provides for co-financing of obligations to payees from the federal budget. That is, the provision of social payments for housing is carried out from the state treasury, the regional budget and funds of the municipality.

• In 2016, 98.9 million and 310.7 million rubles were allocated to it. respectively from the federal and regional budgets. The right to lump sum payment was received by 341 families.
• In 2017, 66.7 million rubles will be allocated from the federal treasury for the program. and much more - from the regional budget.
• It is planned to provide the right to receive payments to 341, 620, 640, 303, 300 families respectively in 2017-2021.

Housing programs for young families in the Moscow region

The Moscow region is one of the largest regions of Russia in terms of population. New housing is being actively built here, but it is far from always affordable for young people. Young families often have no savings, the first installment is quite high (from 20%), loan rates are impressive (13% on average). A nationwide program called collectively “Young Family” is called upon to help young people solve housing problems.

In the Moscow region, as in the vast majority of regions of the Russian Federation (including Moscow), the program operates on three levels at once. It is provided by a number of documents that are formally independent. But in fact they complement and continue each other, they work for the same goals.

• On the federal level initiative in progress , which is part of the state program "Housing" for 2015-2020. It is regulated by decree No. 889 of 08/25/2015 and a number of other documents. In addition to the Moscow region, in 2017 it extends to another 73 regions of the Russian Federation.
• On the regional levelthe subroutine with the same name as the federal one is relevant: “Housing for young families”. It operates within the framework of the local state program "Housing" for 2017-2027. It is regulated by decree No. 790/39 of 10.25.2016.
• On the municipal level there are programs developed and adopted in individual municipalities. A city or district is allowed to participate in the state program if it has its own existing subsidy program and allocates funds for youth payments. The distribution of regional funds to municipalities for 2017 can be found in resolution No. 161/8 of March 14, 2017.

All three types of programs (federal, regional and municipal) function comprehensivelytherefore, those who wish to participate in them submit only one application to the responsible body.

Who is eligible for a subsidy (terms of participation)

As in other regions of the Russian Federation, in the Moscow region can participate in the program full and single-parent families, in which the age of each spouse does not exceed 35 years. Also important are registration, citizenship, need for better housing conditions, income level and other factors. To qualify for a payment, you need:

• Need to improve housingdocument this.
• Have sufficient income. No matter how sad, a family with minimal income and no savings will not be given social benefits. The applicants need to have funds to cover that part of the housing payments that the state subsidy will not block.
• Permanently reside in the Moscow Region.
• Do not receive any of the payments earlier to improve housing conditions for a young family in any of the regions of the Russian Federation. A budget subsidy for housing can only be obtained once.

For reference

It is worth considering another factor. In order for a family to qualify for payment, it does not have to have children. But at least one child must be with a single parent and with spouses, one of whom is not a citizen of the Russian Federation. Families with many children are much more likely to receive a subsidy, as they are placed first in the list of applicants.

How much social benefits are provided

The subsidy is provided from the consolidated budget (federal, regional, municipal). It covers only part of the cost of housing, the rest will have to pay extra from their own funds. Together with the payment you can use maternity capital. The size of social payment is (in% from estimated cost housing):

• 30% - for a childless family;
• 35% - for a complete or single-parent family with at least one child;
• in case of repayment of a loan or a cooperative share - no more than the balance on them;
• + 5% - an additional payment for families in which a child is born after inclusion in the program. Also applies to adopted children.

The calculation of the amount of payment is based on the norm of the total area of \u200b\u200bthe living quarters for a family of a certain number. It does not depend on the price of housing under the contract and is done as follows:

• Is taken square footage for family. It is 42 m² for a family of 2 people and 18 m² for each member of a family of 3 or more people (54 m² for three, 72 m² for four, etc.). The family does not include its members who are not citizens of Russia.
• The calculated area is multiplied by the set standard cost per square meter by municipality. The latter cannot be more than the average market value of 1 m² of housing in the Moscow region. In the 2nd quarter of 2017, the average market price per square meter in the Moscow Region is 54,479 rubles.

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

The Ministry of Construction Complex of the MO is responsible for the implementation of the program. But you need to submit documents and an application for participation in the program to local authorities. I.e municipal administration. Opening hours and the exact place of reception can be clarified by calling from the list on the site.

The administration compiles lists of the municipality, they are transferred to the relevant ministry. The task of the latter is to form general lists of municipalities, redistribute the federal and regional budgets, and select those who receive the payment.

A special certificate is issued to the program participant, valid for 7 months. It must be submitted to the bank participating in the program within two months.

How to use the Young Family subsidy

The received social payment can be used on purchase or construction residential facility. It should be located on the territory of the municipality of the Moscow Region, from the budget of which funds are allocated. Buying housing is allowed at primary or secondary market at any legal or physical persons. The size of the apartment / house should not be less than the standard area for a family of a certain number.

The full list of purposes for which the grant is allowed:

• Buying a home.
• Payment of construction works of the organization that builds a private residential building for the customer (payee).
• The last payment in respect of a share contribution for participants in a housing cooperative.
• Down payment upon receipt of a loan or a loan, including a mortgage, for the purchase or construction of housing.
• Repayment of debt and interest on a housing loan issued earlier.

A residential property, bought or built with an investment of budget money, must comply with sanitary and technical requirements. He must fit for year-round use. After purchasing a home, it must be registered as a property of all family members. Apartments under loan obligations may only be issued to the loan recipient.

At the level of a constant increase in property prices, becoming an owner of an apartment is not easy. In such difficult conditions, the participation of government agencies in solving the problems that have arisen is becoming increasingly relevant. Young people have already managed to appreciate the benefits of the Young Family program, which helps to obtain affordable housing, with the help of subsidy support. More than 3.5 billion rubles were allocated from the federal budget for the implementation of this project in 2016-2020.

What is a Young Family program?

The first thing you need to pay attention to is the state nature of this project, which gives serious guarantees to all participants. Under such a program, a family can rely on social benefits to purchase housing or improve living conditions. In order to rely on the provision of state benefits for this program, applicants must meet certain criteria. This applies to the age of the spouses, financial situation and social status of those in need of better housing conditions.

How the state supports young families

The implementation of the targeted program Housing began in 2002. This federal project was launched in order to provide housing for needy categories of citizens and solved a wide range of related issues (modernization of communal infrastructure, etc.). Among the basic directions of the project was the implementation of the subprogram Housing for Young Families (better known in abbreviated form - the Young Family program), which distributes housing certificates, the holder of which received a subsidy from the state.

Program objectives

The main purpose of this project is state support in the acquisition or construction of residential real estate. This is done in various ways, for example, by applying for a housing loan subsidy or paying a house contract. Participants in the subprogram can be spouses who need to improve their living conditions and have not reached the age of 35 years.

Government programs for young families

The terms for the implementation of the next stage of the state program were determined for the period 2011-2015, but then the deadline was extended until 2020 without significant changes. All this allows us to speak of it as a well-thought-out targeted federal project for the issuance of state subsidies, which has a clearly defined target audience and social orientation. According to official figures, in the first four years of implementation, about 108.5 thousand participants in the target program were able to achieve improved housing conditions.

“Affordable housing for a young family”

The appearance of such a project was quite predictable in the context of existing social norms and state policy to improve the demographic situation. It is important to note that as part of the housing subprogram, you can not only acquire your own real estate from scratch, but also improve existing conditions. This is especially true for large children - if the apartment in which they are registered does not meet the norm (each has less than 18 square meters) - this is an occasion to apply for participation in the project.

Regional program “Housing for young families”

Although the social assistance program is federal in nature, the distribution of subsidies largely depends on the administration of a particular region, because it takes place with the participation of local budgets. The authorities of the oblast or republic determine the amount of subsidies, therefore, in different regions there are various norms for the provision of social benefits from regional budgets. At the same time, the very entry of the region into the program for providing young people with affordable housing takes place on a competitive basis.

What is help for young families?

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

• Housing purchases - for example, apartments from the developer, where part of the cost is paid due to social payments.
• Construction of a residential building - in this case, the cost of the construction contract is paid.
• Getting a mortgage loan - the first installment is paid at the expense of the subsidy.
• A payment for a housing construction cooperative - this should be the last installment, after which the living space becomes the property of the program participant.
• Repayment of real estate loans - both the principal amount and interest. At the same time, it is important that the bank loan is not past due and received before January 1, 2011, and the housing is checked for compliance with the economic class.

Subsidy amount

Government payments are provided for earmarked spending (as evidenced by the receipt of a certificate), therefore they can only be used to improve living conditions. One of the basic factors determining the amount of subsidy that a participant receives is the estimated value of real estate (RSN). Moreover, if:

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

The estimated value of the property is calculated by the formula RSN \u003d NOP x NS1, where:

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

Additional benefits for large families

A large family is a family where three or more minor children are brought up. The Decree of the Government of the Russian Federation “On the Federal Target Program Housing” specifically emphasizes that large families are one of the priority categories. A privilege is provided for them - a larger subsidy in relation to the estimated cost of housing. For example, if a simple cell of a society of three people can receive 600,000 rubles for a social mortgage, then a large one - 1,000,000 rubles or more, depending on the number of children.

How to become a member of the program in 2019

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

Mortgage terms for a young family

In the context of the wide popularity and mass popularity of the Young Family program, many banks offer mortgage products designed for those who agreed to participate in this project. This is a very attractive category of clients, given the state financing of the program and additional subsidies from local budgets, which is why such a borrower will get a mortgage much more willingly than ordinary clients.

Borrower Requirements

Those who are interested in the Young Family program and who are going to apply for participation need to know that there are certain incoming requirements for candidates:

1. The age of each spouse does not exceed 35 years.
2. In the absence of children, it is necessary that the husband and wife have Russian citizenship. If there is at least one child, then only one of the spouses can be a citizen of Russia.
3. Applicants must be recognized as requiring local housing by local authorities and have an area smaller than the accounting norm.
4. Candidates must have funds that, together with the subsidy, are sufficient to acquire real estate, or they must have sufficient income to receive a mortgage.

Where to go

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

What documents are needed

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

1. Application in the prescribed form.
2. Copies of passports of both spouses, birth certificate of the child (children).
3. Copy of marriage certificate (does not apply to single-parent families).
4. Documentary evidence of the need to improve housing conditions.
5. Documents on the financial condition of the spouses.

If it is planned that a social payment will help pay off mortgage debt, then in addition to paragraphs 1-3, you will need:

1. Copy of the loan agreement.
2. A document confirming the need to improve housing conditions at the time of issuing mortgages.
3. Bank statement on the sum of the balance of the main debt and interest.

Preferential mortgage for a young family with state support

The advantage of this form of lending for borrowers is difficult to overestimate - everyone who at least once tried to use this service knows about the difficulties of obtaining a bank loan. The subsidy project is an additional guarantee for the credit institution, because in this case the borrower already has the funds for the down payment, plus its solvency has been checked by government agencies.

Which bank can I get

The Young Family program is well established in the banking segment, and large players - Sberbank, Russian Agricultural Bank, VTB24 - offer participants mortgage loans on favorable terms. For example, a mortgage for a young family from Sberbank will require only 10 or 15% of the cost of the apartment (depending on the presence or absence of children), at a reduced rate on a loan. For those who use this offer to apply for a loan, the bank has a special privilege - at the birth of a child, deferred payments are possible for up to one year.

Order of registration

The procedure of subsidizing and further related activities are for the project participants in several stages:

1. Submission of a package of documents to the local government, where within 10 days they must decide whether to accept the candidate or refuse.
2. Until September 1 of this year, a single list of participants is being prepared taking into account all submitted applications. Priorities in the queue are those registered as those in need of improving housing conditions by March 1, 2005 and large families.
3. After the government approves the amount of social benefits for the next year, approved lists of payments. All those on the list are notified that they will be paid a subsidy.
4. By filling out the necessary documents, the participant receives a certificate of eligibility for social benefits. The certificate should be submitted to the bank, where an account is opened, to which the local government transfers funds for its intended use.
5. Having received an order from a project participant, the bank transfers the money as intended (to the seller of real estate, a mortgage lender, etc.).

Young family project for Moscow residents

Although Moscow is the capital and center of Russia, the Young Family program is not formally implemented here. The thing is that although funding for the program comes from the federal budget, the emphasis in the project is on work in the regions for which funds are allocated. But at the same time, the residents of the capital did not stand aside - a special Moscow program was launched for them, which can be called a city initiative financed from municipal funds.

Who can claim

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

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

How is the queue for the Young Family program formed

Muscovites who want to take part in this project should prepare a statement and, having collected a package of documents, contact the Department of Housing Policy and Housing Fund of Moscow. An employee of the fund will not only accept the documentation from you, but also check the correctness of filling out the application and issue a receipt on receipt. Since the second copy of the application with the signature on the acceptance of documents will remain with you, make it in advance in two copies.

The queue for the urban housing program includes several categories of people in need, with priority for large applicants with disabled children, etc. The implementation mechanism in Moscow is also slightly different from the federal one - participants are invited to purchase property at a reduced price, with compensation (write-off) of the part cost. For example, parents with three or more children (or at least one disabled child) are charged 30%. Along with their own funds for buying an apartment, participants can use maternity capital.

Where can I spend money from the housing program?

It is envisaged that the amount received will be spent on the purchase of housing, while there are two possible purchase and sale options - with the help of a social mortgage or by installments. In the second case, the contract is concluded for a period of up to 10 years with quarterly payments and a flexible system of reducing conditions. For example, the first payment is 20-60% of the value of the property, but it will be 15% if you have two children, and 10% if there are three of them.

The total repurchase amount and the amount of interest for installments is determined by regulatory acts of Moscow. An important regulatory indicator is the average market price per square meter - in the second quarter of 2019, it amounted to 90,400 rubles. It is important that until the end of the installment plan, the apartment belongs to the municipality - the project participant must pay utility bills, and in the case of a long delay, the sales contract can be terminated.

Pros and cons of helping young families

The positive aspects of this social project are obvious - this is material and organizational assistance to the young spouses in order to get their own housing. Taking part in this project, you can reasonably be able to expect that soon your housing problem will be resolved for the better. You will get real estate with a restriction on the area of \u200b\u200bresidential buildings or apartments, but this is a social project, and it is not designed for lovers of luxury apartments.

Among the other drawbacks are often called too high requirements for those who are issued housing certificates - since these people have enough income to get a mortgage, how much do they need subsidies? If we compare this with the fact that a single mother with two children can get as much as two spouses with one child, then it is easy to notice that there is still something to be developed in the project.

Video

The state program of assistance to mortgage borrowers is a series of tools that allow you to obtain a housing loan on terms that are more profitable than market ones. Such assistance is provided to persons who are recognized as needy and socially significant segments of the population, which include young families in particular.

The project is represented by a set of measures implemented by the state, which are aimed at providing support to borrowers on a mortgage, so that the latter have the opportunity to pay off debt in a shorter time. This is realized by providing a variety of social benefits, subsidies and certificates.

However, to take advantage of this opportunity, you need to know about its nuances and comply with the conditions set. At the same time, it is necessary to carefully approach this issue, since young families have several options for implementing benefits and it is important to choose the most profitable option. This is also significant because, due to the crisis in the economy, the rates in banks on housing loans have increased significantly, and this complicates the design of the mortgage and its payment.

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Who is provided?

The mortgage with state support 2017 and the young family as a program as a whole, according to the target value, is to provide the necessary conditions for citizens to build or buy personal housing. The principle of state aid is free of charge, but you can get a soft loan only once for one family. To this end, the state structure must cooperate with banking institutions.

Applicants for obtaining a mortgage with state support must comply with certain requirements, which in each individual region can be adjusted. However, the prerequisites include:

At the same time, you can even queue for benefits even using the electronic queue on the official website of the local municipal authority.

What do you need to participate?

The program of support for borrowers, who belong to the category of young families, aims to facilitate the conditions for the acquisition of their own real estate. Everyone who wants to receive free subsidies must be approved by a special commission on the basis of the submitted documents.

Conditions for making a positive decision:

To receive state support for a young family in paying a mortgage, it is necessary to apply with a list of documents prepared in advance. This list includes:

• The written statement of the borrower;
• Passports of spouses, birth certificates of all children;
• Certificate of registration of marriage;
• Title papers for residential real estate, including current expert assessment of the property;
• A certificate from the house book with information about persons registered on the housing;
• A notarized copy of each spouse's work book;
• Certificates confirming a stable family income;
• For men, a military ticket is required.

The nuances of social assistance

Regardless of whether the young family acquires new housing in 2017 or intends to start building it, the amount of subsidies will be calculated depending on the number of people applying for help and the number of children they have. The standard size of the subsidy ranges from thirty-five to forty-five percent of the total loan amount. Important conditions in this case - the cost of construction work as a whole should not be higher than three million rubles. To receive funds for the construction of a private residential building, you will need to attach to the list of documents the design documentation, all available payments, receipts, contracts with contractors.

State support for mortgages for young families in 2017 implies certain features at the birth of a child in the first year of payment. These features are that, by law, you can get a home loan as a result of the merger of various preferential programs. For example, if one of the spouses is a soldier, you can combine a military mortgage with maternity capital. To realize this opportunity, it is necessary to come to the territorial branch of the creditor bank at the place of residence with the available certificates in order to make the down payment. What will be the interest rate in this case - the bank decides directly.

Using a parent certificate

Things are even better for a young family that has two children, not one. Such circumstances make it possible to obtain the same maternity capital that is allowed to be used to obtain a mortgage or to repay part of the debt on an existing housing loan. Along with this, one can also apply for a loan with state support under the special conditions of the selected bank.

State support for mortgage lending is formed by various instruments. For many years, it was maternal capital that served as the most support for young families. Despite the fact that its use is very limited, the road is open in matters of housing construction and its purchase. To date, this is still the most sought-after project, the amount of payments of which in 2017 is 453,026 rubles.

Despite the fact that they wanted to close this program several times, it was extended several times and now the issue of further extension is being considered until 2023. This is due to the fact that the project has proved itself very well, the system of its work has been debugged, it is effective, and young families can actually get a mortgage only upon presentation of a certificate.

Social projects

The state program of mortgage lending is aimed at solving complex social problems of providing the population with their own housing. Another tool of the state has become a social mortgage. This is a multifaceted concept consisting of a number of programs and products whose main goal is to support certain vulnerable groups of the population and socially significant areas of the economy (young families, teachers, doctors, military personnel, scientists, and so on).

There are a number of key areas:

• Mortgages from AHML partners for state employees and those in need can reduce the down payment and the interest rate on it;
• The state program "Housing for the Russian Family" will reduce the cost per square meter of the apartment and purchase it on favorable terms;
• Participants in the “Young Family” program are entitled to state support with the payment of an initial contribution, and can also apply for benefits in banks and apply for a mortgage for a young family;
• Regional programs to support mortgage borrowers.

The program "Young Family" is in Sberbank, and in the Agricultural Bank. This program allows you to reduce the down payment to 10%, and you can also get a discount on interest. To become a member it is enough that the family has a child and one of the parents is under 35 years old.

The project exists as part of a separate state program. With it, you can get a subsidy from the state for a down payment of 35% of the price of the apartment. But this program is fraught with a large number of bureaucratic issues and requirements.

The essence of state support

There are the following conditions for a social mortgage:

• Minimum down payment 10%;
• Longer loan term;
• Deferral of payment or restructuring for a period of 1.5 to 3 years;
• Reducing the size of the monthly contribution by refinancing;
• Construction with state support of economy class real estate and its sale at preferential prices to certain categories of citizens;
• One-time subsidies to improve housing conditions. One example is maternal capital.

Program participants are solvent working citizens of the Russian Federation with stable incomes and the ability to arrange a loan, that is, meeting the conditions for its provision. In addition, they must have funds for a down payment, their credit history must be positive, and they must be recognized as housing improvement needs or residents of the emergency fund (for a number of subprograms). For state employees it is required to have seniority in the profession of three years or more in government agencies.

Also on this list are citizens from 18 to 54 years with a continuity of experience in one place for at least six months, and military men who have served for at least ten years. More detailed conditions should be considered for specific programs.

Mortgage Agency

How to get a social mortgage in 2017 can be found at AHML. This is the main organization on which the government entrusted the implementation of state social programs to provide the population of the Russian Federation with their own housing and improve living conditions. AHML implements such programs as Housing for the Russian Family, Military Mortgage, and Social Mortgage for Doctors, Teachers, and Scientists, and also implements a program to help borrowers.

Advantages of AHML:

A special certificate will be required in order to become a member of the Young Family program in 2017. You must notify the local authorities and the bank of your intention to obtain a soft loan for the purchase of an apartment and get on the final list.

When the lists of participants are formed, the municipal government receives money from the budget for subsidies and distributes them. By that time, it will be necessary to give a loan agreement already executed with the bank.

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The inaccessibility of separate housing is a problem that many young families face.

Of course, few people want to live with their parents, but it’s a rather expensive task.

For many apartment owners, renting premises is a profitable business, so they constantly increase the cost.

If we compare the cost of renting a house with the wealth of the average family, it becomes clear that for the majority this is an unbearable expense.

Young people are forced to look for alternative solutions to the problem.

Of course, some families have certain insurance in the form of relatives who can help them with their living space, but such cases are not common.

It is for those who are “unlucky” with an apartment who are forced to think about housing themselves, the Government of the Russian Federation in 2011 introduced the federal target program “Housing”, which will be valid until 2020.

As for young families, the “Housing” has a special subprogram “Housing for young families”, or “Young Family”, which has been operating since 2015.

On February 22, 2016, the Government of the Russian Federation by Order No. 275-r extended it until 2020.

What are the goals and conditions of the program?

Like other similar state programs, “Young Family” has as its goals such items as:

• State support for citizens with low incomes;
• Development of construction volumes in the Russian Federation.

Since the beginning of its work, the program has gained great popularity and allowed more than thirty thousand families to solve their housing problem.

In addition, the “construction” part of the program markedly stimulated the development of the industry and allowed creating a large number of jobs.

The main features are as follows:

• The maximum cost of one square meter should not exceed 35 thousand rubles. At first, it was thirty thousand, but after the launch, due to the rising cost of labor and building materials, the price went up.
• Representatives of local authorities, for example, cities such as Chelyabinsk, Tambov, Cheboksary, Ulyanovsk, Bryansk, Omsk, Tomsk, Kostroma, Perm, Belgorod, Magnitogorsk, Ufa, themselves determine the actual location of the future building. In addition, they approve all the necessary documents, a developer’s company, as well as construction projects.
• Housing built under the program should be sold at a price that is at least 20% below market. In accordance with the legislation of the Russian Federation, control is carried out to determine the procedure for valuation activities in the country.
• Each house should be located in a place of developed infrastructure, which should be a little distance from the building. The objects of such infrastructure include such buildings as hospitals, parks, kindergartens, shopping and entertainment centers.
• Thirty percent of the price of the apartment is reimbursed to the program participants as state assistance.
• “Housing for young families” provides for the possibility of acquiring only those apartments that are in newly built houses.

Important: near new homes, infrastructure such as kindergartens should be present.

In 2017, the program “Young Family” introduces several significant changes that make the rules of participation stricter. Among them are the following:

• State aid can be used exclusively for the purchase of housing in the primary market or with participation in shared construction. Participants may not consider the secondary market at all.
• The assistance provided by this program is prohibited to use to repay the mortgage (), including.
• Citizens who are at any stage of mortgage payments who have special certificates will not be able to get a certificate.

Who can become a member of the Young Family program?

It is no secret that this state program in 2017 offers excellent opportunities and this attracts a huge number of interested. But not everyone in this program can participate.

There are a number of conditions that a potential participant must meet, including the following:

• The program may include newlyweds and spouses who meet the age criterion of up to thirty-five years.
• The applicant must be a citizen of the Russian Federation.
• A potential program participant must have an official permanent labor registration in accordance with the labor legislation of Russia.
• A young family may not have children (in this case, family members must be Russian citizens), or have one child or more (in this case, one of the parents may have Russian citizenship). There may also be cases of an incomplete family with one or more children, but the parent must be a citizen.
• Family members must have their own housing, which is not enough for comfortable living (an area of \u200b\u200bat least 10 square meters is needed per person).
• Regarding the income level of citizens, there are also requirements. The income itself and the price of all property should be less than the norms allowed in a particular subject of the Russian Federation, that is, significantly lower than the level. Local authorities themselves establish these standards based on living standards and housing prices. In other words, the level of income should be sufficient to take a mortgage loan from the bank. Income is considered depending on the number of members in the family: if there are two people in the family - the amount should exceed twenty thousand, if three - the amount should be more than thirty thousand rubles, if four, then more than forty.
• The house in which the family lives is under reconstruction or demolition and is in disrepair.
• If there are minor children in the family who are holders of maternity capital, then assistance should be used to purchase housing.
• A young family should be recognized as having many children.
• Potential participant - a veteran who participated in the hostilities. Local administrations may designate other social classes.

What documents need to be prepared to apply?

An applicant that meets all the criteria must select the necessary documents for submitting the application.

Also, the level of family income is checked.

Be sure to submit a 2-NDFL certificate:

The first step is to fill out the application itself in duplicate, in which you need to indicate the circumstances of the case of the submitter.

These circumstances are confirmed by the following documents:

• Copy of the passport of a citizen of the Russian Federation;
• A copy of the birth certificate of the child (if lost, it can be), as well as a certificate that confirms receipt of assistance “Maternity capital”;
• If potential participants are married - a copy of the certificate of marriage;
• A certified copy of the work book (it can also be in case of loss);
• In order to confirm the income level of each family member, an appropriate income statement is needed;
• If the family has a bank account or if she receives social assistance, an appropriate certificate is needed;
• To confirm the actual composition of a young family is needed;
• All documents that can confirm ownership of the family’s living space;
• In order to testify the number of persons registered in the home, and the state of the personal account for the living space, certificates of the relevant organizations are needed;
• Military ID, if any;
• If the applicant is a serviceman, he can provide a certificate of participation in the mortgage-funded program for obtaining living space, conducted by the state.

What is the size of the subsidy?

If we talk about the amount of material assistance provided by the state, then it mainly depends on the number of family members and whether there are children in it.

Thus, each case of payments is calculated separately. To more accurately know the volume of material compensation, we should take as an example the following calculation principles:

• Young families with no children receive 35% of the price of housing that they purchase;
• If the family has children, then the amount of compensation increases to forty percent of the amount for the purchased apartment.
• In cities of federal importance, this interest rate is reduced. So, in St. Petersburg and Moscow, childless families can receive thirty percent of material assistance, while a family with children - 35% of the cost of housing.

Where can applicants apply for participation in the program?

To participate in the “Young Family” program in 2017, citizens must apply to local authorities, depending on their place of residence.

For example, you can contact the housing policy department of the city administration, or the city real estate department.

As a rule, basic information can be found on the website of the relevant real estate department.

An employee of the city administration accepts the application, after which it is considered within ten days.

After consideration, the citizen who submitted the application receives a letter informing them of whether they approved the application or rejected it.

If approved, applicants stand in line and receive a certificate that indicates a guaranteed right to a subsidy.

Important: to obtain a certificate, citizens need to wait for the consideration of their application.

The validity of this certificate lasts no more than two months, which is why it must be used during this period - taken to the bank to open a blocked account.

What you should pay attention to

Many potential participants in this program are interested in how fast their application will advance and whether they will receive compensation at all.

The program is not being implemented at the pace that many would like, but nevertheless, quite a large number of families have taken advantage of help and received housing.

Given this, as well as monitoring the implementation of the state program at the federal level, we can say that it is successfully operating.

By the way, about seventy billion rubles were allocated to the “Young Family” from the budget of the Russian Federation.

Applicants should pay attention to the fact that the maximum mortgage amount cannot exceed 2.2 million rubles, in addition, the program prohibits the purchase of secondary housing.

Only those families that have a regular income can count on material compensation; moreover, the number of such citizens increases annually.

Also, participants should remember that they will not be full owners of the housing until they completely repay the mortgage debt.

How to get housing or a Young Family program