How to get a housing subsidy. Subsidies and government programs for the purchase of housing. Providing benefits to low-income families
Purchasing a home is an expensive procedure. The state provided a measure of support - housing subsidies, which are provided to a certain category of citizens subject to the conditions specified by the legislation of the Russian Federation.
Subsidy for an apartment
Subsidy for an apartment or other real estate– a type of material assistance provided by the state at the expense of the federal or regional budget. Provided to citizens to improve their living conditions.
Subsidies for the purchase of housing have the following characteristic features:
- Possibility of using targeted Money limited only to the acquisition of residential premises.
- The right to receive a subsidy from the state is confirmed by an appropriate certificate.
- The issued certificate has limited period possibilities of use.
IMPORTANT! Receiving a subsidy for the purchase of housing is free of charge, while the law does not allow cashing out funds provided by the state ( PP dated December 17, 201 No. 290).
Features of provision
To receive a subsidy for the purchase of an apartment, the state provides a list of requirements, one of which must be met. Conditions for receiving a subsidy:
- Availability of additional funds to pay off the entire cost of the purchased apartment.
- Other freehold housing that will subsequently be sold for improvement living conditions.
- Obligations of the citizen receiving subsidies to enter into a mortgage agreement after concluding an agreement on the purchase and sale of residential premises to pay off the remaining cost.
ATTENTION! A housing subsidy is provided to a needy person once. The rule also applies in the case where the person who received the certificate was unable to use it within the prescribed period.
State subsidies are allowed to be used for:
- purchasing residential premises in new buildings or for carrying out construction independently;
- repayment of the mortgage obligation, that is, as a down payment on real estate;
- down payment to a construction cooperative engaged in the construction of a house.
As well as carrying out work aimed at improving living conditions in an apartment owned by a citizen.
Required Documentation
To apply for a subsidy for an apartment, you must prepare the following documents:
- Identity card.
- Confirming the applicant's right to receive benefits.
- Proving that the applicant has real estate residential property.
- Certificate of family composition.
- Bank details.
- Certificates confirming the registration of marriage, as well as the birth of children.
It is necessary to attach identification documents of the applicant's family members.
Who can receive a subsidy
Housing subsidies can be provided to categories of citizens who are determined housing legislation. These include:
- Those who got married, at the same time.
- Families with three or more children.
- Those who have the status of military personnel, as well as state civil servants.
- Having the status of WWII veterans or disabled people.
- Employees of budgetary organizations.
- With experience working in the regions of the Far North, as well as in areas equivalent to them.
- Those who moved to the village as young specialists in the field of education and the agricultural sector.
IMPORTANT! The state has developed various subsidy programs. For example, for military personnel, the amount of financial assistance will be determined in accordance with their military experience, as well as family composition.
Young specialists are required to have at least three years of mandatory experience in a certain field of activity.
The state, represented by authorized bodies, may refuse to issue a certificate to persons entitled to benefits on the following grounds:
- Loss of the right to receive benefits.
- Providing false information.
- Concealing the fact of ownership of another residential premises.
- Identification of the fact of deliberate deterioration of living conditions.
And also if the person did not inform the authority that the composition of his family has changed.
Calculation of the subsidy amount
When purchasing an apartment or other residential premises using state assistance, it is necessary to understand that the state’s goal is to help obtain acceptable living conditions, which are determined by the relevant standards. Those applying for financial assistance from the state have the opportunity to pre-calculate the amount of the benefit.
For this, the cost per square meter follows. m. multiplied by the area norm. In cases where the Housing Subsidy program provides an additional increasing factor, the resulting result must be multiplied by it.
Legislator on state level provided a standard in accordance with which living space is provided:
- One person is provided with 33 sq. m.
- When there are two people in a family, the law provides for them to provide 42 square meters. m.
- If there are more than two people in a family, then each subsequent person is provided with 18 sq. m.
REFERENCE! Cost per sq. m is established for each region of the Russian Federation.
Some programs provide for a percentage of mandatory participation of government funds when using a subsidy for an apartment or other housing.
There are many factors that influence the amount of housing and communal services subsidies provided for improving housing conditions:
- Type of preferential category.
- Number of family members the applicant has.
- Cost per sq. m in the corresponding region.
- The presence of a previously specified increasing coefficient provided for by a specific program.
Often municipal authorities provide additional measures support for persons applying for improved housing conditions.
Limitations when using the certificate
The state sets restrictions on the use of the provided certificate.
First of all, this concerns the period during which the document is presented to pay part of the cost of housing. It is set individually in each specific case and is equal to 3 months, 4 months and six months. After this period, the right to use the benefit is lost.
The certificate cannot be used to contribute part of the cost of housing that has been arrested on the basis of a decision of a judicial authority or on the basis of another document adopted by an official.
It is not permitted to use the certificate in a transaction aimed at purchasing housing that is under encumbrance.
Subject to the conditions imposed by the state, citizens have the opportunity to purchase real estate or improve the conditions of existing housing, using financial assistance at the state level in the form existing program subsidies.
To be able to implement it, you need to have an idea of subsidies for the purchase of housing 2014/15 and navigate the following questions in the article.
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Citizens with cramped living conditions can legally apply for financial support from the state, which is regulated by current Russian legislation.
In the Housing Code Russian Federation the fact of providing assistance is recorded as a necessary action. Information about in what form and how this should be done is contained in special legal acts for special categories of citizens and legal acts of the constituent entities of the Russian Federation.
Persons in the civil service have the right to count on state aid in the acquisition of real estate, guided by Federal Law No. 79 of July 27, 2004 “On the State Civil Service of the Russian Federation.”
Decree of the Government of Russia No. 63-PP of January 27, 2009 “On providing federal civil servants with a one-time subsidy for the purchase of residential premises” states how subsidies should be provided to such persons.
What do subsidies for improving housing conditions mean?
This concept refers to material assistance paid to citizens from federal or local budget. Subsidies are characterized intended use(for example, the purchase of real estate) and a specified validity period.
Housing subsidy is a free form equity financing, non-cash targeted assistance. The certificate/certificate issued specifies a certain amount that cannot be cashed out and a specific validity period. These funds can only be used for the purchase of real estate or its construction. At the same time, social housing standards must be strictly observed.
For persons applying for a mortgage, such a certificate can serve as a down payment. It is presented when repaying a loan taken out for the purchase of housing, or when making a share contribution in housing construction cooperatives; the use of a certificate of subsidy is also permitted when it is necessary to expand living space that lags behind social norms, or to carry out construction and repair work in order to improve conditions accommodation.
A subsidy alone will not be enough to purchase housing. To cover its full cost, in addition to the certificate you will need:
- Finance for expenses to pay the balance of the amount;
- Housing planned for sale at the time of the transaction with ownership rights;
- A mortgage that provides for the repayment of the entire value of a property over a period of several years.
The certificate of subsidy provided for the purchase of an apartment is issued only once, and after use it cannot be renewed again.
According to the law, you can exercise your right to receive non-cash targeted assistance from the state within six months. Those who did not have time to use the certificate will receive it again according to the general queue.
Housing subsidies do not apply to real estate that is under pledge/seizure or encumbered with the rights of other persons. It's just about . In the situation with objects under construction, the use of the certificate is rejected by local governments, depending on the degree of completion of the construction. For example, real estate in Moscow and the region that is 30% unfinished is not suitable for paying off its partial cost with a subsidy.
How is the amount of subsidies for the purchase of housing determined?
The payment amount in the certificate is calculated by considering the case of each separate family individually and taking into account the following defining aspects:
- Preferential category of the applicant;
- Family size;
- The average cost of 1 sq.m. taken into account for the subsidy. m of real estate, as determined by the Ministry of Construction of the Russian Federation;
- The adjustment coefficient for various social categories of citizens, established by the government. Thus, the size of the subsidy will be affected by the length of civil service, work experience in rural areas, length of military service, and time spent waiting to receive housing.
For comparison: the subsidy for the purchase of housing in the city will not exceed 30-40% of the cost of the purchased apartment; rural residents will receive about 70% in this case.
By law, government agencies issuing these certificates are authorized to exceed the amount of payments for the circumstances in question if available budgetary funds allow it.
Who is eligible to receive subsidies to improve housing conditions? Subjects of the Federation are given the right to arbitrarily determine categories of persons in need of such material assistance, in addition to those already established by law
. The issue of the procedure for providing and using subsidies for the purchase of an apartment is also decided at the local level.
- After all, local budget finances are involved here.
- In 2015, the following social categories can count on free targeted assistance in purchasing real estate:
- Large families with 3 or more children under 18 years of age, as well as university students or conscripts under 23 years of age;
- Families with both spouses under 30 years of age;
- Civil servants;
- Employees of budgetary organizations;
- Demobilized from the army or retirees;
- Young agricultural workers; Orphans and those deprived of parental care; income awaiting housing;
- WWII participants, disabled people, veterans and families of those killed;
- Persons with more than 15 years of working experience in the Far North;
According to the Decree of the Government of Russia of January 27, 2009 No. 63-PP “On providing federal civil servants with a one-time subsidy for the purchase of residential premises,” these are civil service employees whose place of residence is:
- A room in which each tenant has less than 15 sq.m.;
- Housing that does not comply with generally accepted standards of housing conditions (see);
- Communal apartment;
- Dormitory;
- Living space shared with a seriously ill person (according to a government-defined list of diseases) when living together is unacceptable and alternative housing is not available or is provided by agreement social hiring(cm. );
- A one-room apartment or an adjacent room where two or more families live.
Federal and regional decrees on the issuance of targeted non-cash assistance establish criteria that allow citizens and other social categories to apply for it from the state.
A representative of any benefit group will not be able to apply for a certificate if it is revealed that the fact of deliberate deterioration of living conditions in order to obtain the right to a subsidy is revealed. This implies an exchange with a reduction in living space, the settlement of strangers, or the alienation of property or part of it.
State bodies deregister citizens who have applied and who, before the subsidy is issued, no longer meet the criteria for the preferential category (dismissal, relocation from a village to a city, death) or who purchase housing on their own. If facts about changes in family composition or living conditions, a change of place of work, which affects the determination of a preferential category, are kept silent, obtaining a certificate may also be denied.
What documents are needed to apply for a subsidy for an apartment?
Special commission under government agency The authority issuing subsidies accepts the applicant's application and the necessary documentation.
Registration is carried out after submitting an application addressed to the head of the authority and the following documents:
- Passports of the applicant for the subsidy;
- Copies personal account in the bank;
- Marriage certificate with a copy;
- Birth certificates with copies;
- Documents for all other persons living in the same living space as the applicant;
- A work record book with a copy or a document substantiating the right to a benefit;
- Social tenancy agreement/certificate of ownership with copies;
- Documents on the right to additional living space (if available) with copies.
The amount of the subsidy and the area of the purchased property are calculated based on the total living space occupied by the applicant. Therefore, the commission must be provided with information about all premises owned or rented under a social tenancy agreement.
Within a period specified by law, documents are checked and, if there are violations or failure to confirm the right to receive a subsidy, they are returned to the applicant.
If the results of the check are positive, the commission issues a certificate/certificate issued in the name of the applicant indicating a specific amount. The payment is credited to the registered blocked target account opened by the applicant. This can be done at any bank implementing a housing program.
Today the state is implementing programs to improve the quality of life of residents by providing assistance in the form of material support to families with children, as well as low-income citizens some categories. Material support is presented as a subsidy for the purchase of an apartment.
To understand what a gratuitous subsidy is , allocated for the purchase of housing, who is entitled to it and how to register it, it is necessary to familiarize yourself with the Resolutions formed by the Government and Federal laws, and also with legislative framework authorities in the region.
What it is
The essence of the apartment subsidy is to provide free financial assistance to residents from federal budget in conjunction with municipal ones from government bodies. In other words, an apartment subsidy is a type of benefit provided in the form of money that does not need to be repaid. In this way, assistance is provided to people in dire need of it.
The amount of the benefit is determined by the authorized bodies based on the information provided by the needy citizen about himself and his family.
Three conditions apply to the apartment subsidy:
- one-time receipt;
- free use for its intended purpose within the allotted period;
- report on the expenditure of issued funds.
This means that it will not be possible to issue it to the same person again, and having spent the amount, the citizen does not reimburse it in any way and is obliged to use it strictly for its intended purpose.
A person who has violated the terms of the benefit or artificially worsened his situation will be obliged to return its full amount in deadlines, and may also be involved in criminal liability, if his actions will be regarded as fraud.
How can you use the certificate?
Take advantage of the right to pay for an apartment using subsidies for secondary market or housing that is under construction can be done by activating the certificate in a non-cash manner.
To a personal bank account opened by the recipient of the benefit from the budgets of the federal and municipal levels the amount agreed on in the documents is credited. After presenting the certificate to the bank, it must be spent non-cash before the expiration of 6 months.
Ways to use the certificate under the program for improving the quality of living conditions:
- purchasing an apartment under a regular sales contract;
- construction of a private residential building or payment for housing in an apartment building under construction;
- payment of debt on a previously issued mortgage or as a down payment for it;
- on major renovation existing apartment.
The citizen reports on the expenditure of funds to the authorized bodies, for example, to the housing and communal services department or department:
- photocopies of checks;
- a photocopy of the real estate purchase and sale agreement;
- using documents directly for real estate or documented facts of non-cash transfer of money when investing in construction or major repairs of housing;
- other related official papers.
The possibilities of using the certificate should be clarified when choosing the type of housing subsidy program.
Restrictions on the use of the subsidy
State control lies not only in the intended use of funds by the recipient, but also in the security of the transaction itself.
When covering expenses with a registered real estate subsidy, the latter must meet a number of requirements:
- not have any encumbrance imposed on it, for example, a lien;
- registered in the name of the recipient of the subsidy, and not in the name of an outsider.
Provision is made for an inspection of the purchased housing by specialists from the legal department of the responsible government agency. Additionally, local authorities may impose restrictions on the purchase of an apartment under a certificate in new buildings that are in the initial stage of construction, or vice versa, on the purchase of residential premises on the secondary market.
Legislation
You can understand how to receive a government gratuitous subsidy for the purchase of housing by familiarizing yourself with the conditions established at the legislative level, set out in Housing Code, other Federal Laws and Government Decrees.
Reference! In fact, based on the provisions of the law, any person in need has the right to apply for a subsidy.
Legislation in the field of real estate subsidies includes:
If you have questions when exercising your rights, you can consult both with specialists from the department for issuing state financial assistance and with private lawyers.
Who is entitled to a subsidy for the purchase of an apartment in 2019?
The list of people in need and applying for free government support is developed at the federal level and depends on the situation in the region. Local government can add to the list. Cut it down regional authorities They have no right to.
To citizens who need positive changes in the quality of life through the exercise of the right to registration housing subsidy, relate:
- large families simultaneously raising 3 or more children or full-time university students under 23 years of age, as well as those undergoing compulsory military service upon conscription;
- a young family, where the husband and wife are under 35 years old;
- persons performing duties on public service;
- persons who participated in hostilities, as well as WWII veterans or members of their families who were left without a breadwinner;
- military personnel transferred to the reserve or retired military personnel;
- young specialists of some professions voluntarily working in a remote village;
- orphans without parents or guardians;
- people living in the Far North or similar conditions for over 15 years, who want to live in more favorable regions;
- low-income families;
- workers in the budget sector.
To support young people who want to tie the knot, a special state program has been developed to stimulate the creation of a family union - “Young Family”.
Which categories of citizens are not eligible to receive a subsidy?
Among the category of citizens who cannot apply for a subsidy, one can single out those who have their own living space, the size of which corresponds to or exceeds the standard allocated for one person by law. Such people are not related to preferential categories, which means they cannot participate in the program under state subsidies purchasing an apartment and applying for a benefit, since its purpose and meaning is to provide assistance to those in need.
Important! In practice, the amount of formalized subsidy provided to cover the cost of an apartment is often not enough.
This is due to the fact that the market price for apartments is higher than what the state can issue according to calculations.
The amount of the subsidy for the purchase of an apartment using a certificate in most cases is:
- 30% or 40% of the real market price of the apartment;
- 70% for young workers of certain professions who moved to the village.
Therefore, it is the responsibility of the recipient to prove that the missing part of full price he will be able to pay extra for the apartment he is preparing on his own. Otherwise, his right to this type of support from the state is revoked.
However, there are ways to fill the missing funds:
- using a loan;
- when putting your existing residential space up for sale.
You can get an apartment with a mortgage by paying for an initial fee certificate.
Features of subsidizing the purchase of an apartment for each category of citizens
The authorities have established rules for registering an application and the conditions for its formation. You need to familiarize yourself with the requirements to understand how to apply for the required subsidy for an apartment.
Approximate requirements for the general list of mandatory documents for registration and issuance of a certificate:
- passport of a citizen participating in the housing subsidy program;
- marriage certificate;
- information about the personal account created in the bank;
- extracting information recorded in the house register about all family members;
- adult passports and birth certificate forms for children under 14 years of age permanently living with the applicant in the same territory;
- a document officially indicating that the person awaiting the subsidy belongs to one of the categories. For example, it could become employment history or military ID;
- a package of official information on the ownership of existing housing, if available;
- a mortgage agreement, if any;
- certificate of income and expenses from the tax office.
Depending on whether a person belongs to a preferential category, the requirements for the package of documents for registration will vary.
Progress in the queue will accelerate if there is a seriously ill person in the family or the housing is considered unsafe.
Subsidy for an apartment for a young family
The amount of financial payment will reflect the presence or absence of children in a young family.
This relationship shows that:
- if there are no children, payment for the certificate is 30%;
- upon the birth of one child, the payment will be 35% of the property price.
Parallel use of funds is allowed maternity capital when purchasing an apartment.
For the poor
A family is recognized as low-income if the social protection authorities establish that total income her below living wage. If a person in such a family is of working age, but does not work, the status will be granted.
For those on the waiting list
The state program “Housing” allows you to apply for a subsidy for the purchase of an apartment or construction own home young people in need. It is being implemented in 2018-2020 in all regions of Russia.
Its essence lies in the fact that people who get married receive part of the money for an apartment from the state free of charge, and part - on credit for preferential terms, amounting to 10-12% return on debt.
However, the calculation of the allocated amount does not take the market value, but the estimated value of the square. m, and its size is envisaged to be no higher than 30-40% of the full price of the apartment. The initial financial situation of the family itself and its solvency are also taken into account.
Large family
A family with many children is given priority in the queue.
At the time of registration of the application, the following requirements must be met:
- presence of 3 or more children;
- The work experience of both parents is over 10 years;
- living in a dilapidated or emergency house with housing standards below the established ones.
To receive a subsidy for an apartment large family, when submitting documents for registration in the queue, you must present a certificate of a large family.
Civil servants and young professionals
Young professionals can take advantage of the subsidy under certain circumstances.
Requirements for employees in the public sector:
- recognition of one of the spouses under the age of thirty-five as needy;
- both spouses must work in the public sector;
- the presence of one or more children.
However, housing is provided for rent for up to 5 years under a special contract, after which it is simply extended.
WWII veterans and combatants
State financial aid for WWII veterans or their widows is provided in full according to market price real estate. Support is also provided to liquidators of the consequences of the Chernobyl disaster, people who participated in military and combat operations.
It is necessary to present a veteran's ID, marriage and child certificates, a certificate from the BTI confirming the absence of ownership rights to the living space in which the veteran is located, if it does not belong to him, as well as the result issued by the commission after its examination.
For military personnel discharged to the reserve
Military personnel who have been transferred to the reserve and do not have their own apartment, or if their living space is less than the standard norm, have the right to apply for a state subsidy for the purchase of more spacious housing.
List of requirements for a military personnel:
- the total family income should not exceed the size of the down payment on the mortgage;
- the composition of a military family, the number of able-bodied persons and dependents are considered;
- The average price per 1 sq. m. is taken into account. m of living space in a populated area;
- the number of available meters per person;
- length of service.
The process of applying for a subsidy for military personnel includes:
- formation and submission of an application to the authorities housing provision;
- check within 10 days for the absence of additional sq. m from the applicant and from persons included in his family;
- based on the results of the inspection, a positive or negative decision is made no later than 10 working days;
- Department financial security The Russian Ministry of Defense and the military personnel are informed by the housing authorities about the ready decision no later than 3 business days.
IN in this case If the decision is positive, a month later they will give you a certificate in a specially established form, and funds will be credited to the serviceman’s personal account.
For disabled people
People with the assigned disabled status must submit a package of documents to the authorized bodies in order to receive a subsidy for the purchase of an apartment.
List of documents from a disabled person:
- certificate confirming disability;
- the commission’s conclusion on the need to improve the quality of accommodation;
- lack of home ownership.
Persons who joined the queue before 2005 have a priority right to a subsidy, and wheelchair users are given priority over other disabled people.
Residents of the Far North
Citizens who have lived and worked in the Far North for over 15 years are entitled to subsidies. The amount of the benefit will be calculated based on the standards developed for the region in which it should be issued.
For residents of Moscow
For citizens living in Moscow, a transaction is allowed to purchase an apartment in a building under construction using a state subsidy, if the degree of its readiness for delivery is 70% or higher.
Single mother
A subsidy allocated for a single mother for the purchase of housing can be issued if her living area is less than the established standards. Also, information about the child’s father should not be on either the birth certificate or the adoption certificate.
Conditions for issuing a subsidy for a single mother:
- presence of official status as a single mother;
- income level is below the regional subsistence level;
- if the mother owns dilapidated or dilapidated housing;
- if you don’t have your own home at all.
The subsidy for a single mother allocated for the purchase of an apartment does not exceed 40%.
Procedure for obtaining a certificate: where to apply and deadlines
Material compensation for the purchase of an apartment in the form of a subsidy is issued based on information about individual who wish to register it.
How to apply for a housing subsidy:
- you need to contact the administration settlement where the person in need of housing lives;
- write a statement according to the sample.
The application must be accompanied by the result of an assessment by a special commission confirming unsatisfactory living conditions and documents for the inspected living space.
Housing standards:
- 33 sq. m per person;
- 42 sq. m for two people;
- +18 sq. m for each subsequent family member.
After reviewing and evaluating the information provided by a person about his house or apartment applying for a state certificate to improve the quality of living conditions, authorized employees are required to check all specified data for accuracy. If all the information corresponds to the information initially provided by the applicant, a positive decision is made to provide the citizen with material support in the form of a free subsidy.
Authorized employees place the application in the general queue, and the applicant is sent a corresponding notification.
The waiting period for the queue to expire can vary from 1 year to several years.
After the queue has expired, the commission makes a calculation in the amount according to the conditions and data of the citizen. If the applicant’s living conditions change during the waiting period, he is obliged to promptly notify the authorities about this.
Subsidy size: calculation formula and what affects its size
Each needy person can estimate the approximate amount of subsidies due to him from the state thanks to a special formula for calculation.
Initial data for self-assessment:
- the cost of a meter of housing for your region;
- relying norm;
- magnification factor.
The resulting numbers need to be multiplied.
When making calculations, the commission will also take into account the financial and property capabilities of the citizen and his family members.
Conclusion
Exercise your right to separate from state budget Anyone in need can buy an apartment free of charge using the housing subsidy program. The decision made based on the results of his appeal, as well as the process itself, will depend on the status to which the person belongs, and his existing housing and material conditions.
You can also find out which allows you to realize a benefit for an apartment at the expense of borrowed money, but at a lower rate than on the market.
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A subsidy is one of the forms of support from the state for the population to purchase housing, presented in monetary terms. Different categories of citizens of the Russian Federation can receive an apartment from the state.
What is an apartment subsidy?
Subsidies are not a loan, a loan, or an installment plan. Such payments represent gratuitous assistance from the state or municipality. Subsidies are characterized by the following features:
- Gratuitous;
- Only special purpose;
- Co-financing.
An important feature of modern government assistance for the purchase of an apartment is cashless payment or the provision of a special certificate from construction company.
When receiving a subsidy, it is important to remember that payments are not calculated for full repayment the amount needed to purchase a home. Material aid is considered as an addition to the principal amount, therefore, to purchase an apartment you must have your own capital.
Due to the fact that the state allocates money for subsidies for each subsequent year, you need to stand in line to receive the money. Once a certificate confirming participation in the project has been awarded, the recipient has six months to use the funds.
Who can receive payments from the state?
A subsidy for the purchase of an apartment can be issued to a fairly wide range of people. The main condition is to be a citizen of the Russian Federation.
Persons in the following categories are eligible to participate in the program:
- Newlyweds under 30 years of age;
- Civil servants;
- Persons involved military service by contract;
- Veterans of the Great Patriotic War;
- Large families with three or more children;
- Needy families whose income is below the subsistence level;
- Minor citizens left without parental care;
- Relatives of those killed in World War II;
- Persons with experience working in the northern regions of the country.
Despite such a variety of possible participants, subsidies are most in demand for only four positions: newlyweds, “Northerners”, military personnel And large families. It was for them that the state developed individual programs, whose task is to provide auxiliary payments for the purchase of housing.
Conditions for receiving a subsidy
Firstly, the citizen must belong to one of the listed categories, and secondly, the family must be in need of new housing. There are four in total general conditions to receive a subsidy:
- If 1 person has less than 15 square meters of the total area of the apartment;
- The family lives in a building that is considered unsafe or unsuitable;
- If there is a family member with a complex disease;
- If citizens live in a dormitory or shared apartment.
Features of receiving subsidies for an apartment for newlyweds
The “Young Family” program will answer the question of how to apply for housing subsidies for newlyweds.
Young families are a category of citizens for whom the issue of housing is especially acute. The state thought so, so in 2010 the government issued Resolution No. 1050 of the Federal Target Program “Housing”. Initially, the program was set within the framework of 2010-2015, but at the end of last year the deadline was extended until the beginning of 2017.
Below are the conditions for starting participation:
- All family members must have citizenship of the Russian Federation;
- The fact of registration in the city must be at least 11 years;
- The age of the spouses is not older than 35 years;
- The program applies to both two-parent and single-parent families;
- Confirmation from the city administration that the family really needs government funds.
The verdict on receiving a subsidy is made administrative commission, which are located at the place of residence. When making a decision, the commission Special attention pays attention to the area of the apartment in which the family lives.
Subsidy for military personnel
Government housing subsidies for military personnel are a relatively new phenomenon. Previously, military personnel could only receive apartments after serving for several years. According to new program, approved in 2014, a military family has the right to receive assistance from the state for the purchase of new housing space.
A military personnel discharged from the reserve cannot receive government assistance in purchasing an apartment.
How to get a military housing subsidy? To do this, a retired or retiring military member must declare a desire to participate in the program. After approval, the citizen is assigned a bank account to which funds are sent. The amount of payments depends on the size of the family and length of service.
The state has established a number of restrictions, according to which only the following military personnel can receive support:
- With at least 3 years of service;
- The family does not have apartments or private houses.
There is an exception to the last point. If the area of residential property is less than the standard, then the family has the right to receive assistance.
Subsidies for workers from the north
The main difference between the program for “Northerners” is that subsidies are not given free of charge, but in exchange for the employee’s old housing.
The following persons can apply for government payments:
- Citizens who, as a result of staff changes, are forced to leave the northern territory;
- People of retirement age who have worked in harsh northern conditions;
- Unemployed citizens registered in the northern regions of the Russian Federation.
The amount of state assistance depends on many factors, including the number of members in the family, current standards for square meters and length of service.
How to get an apartment for a large family?
In order for a family to receive a subsidy for the purchase of an apartment, it is necessary to confirm their status with many children. To do this, you need to visit the social care authorities and provide the following package of documents:
- Identification documents for each family member - passports, birth certificate, etc.;
- A certificate from the house register indicating information about the people living on the premises;
- If children are studying at a school or institute, then it is necessary to obtain a certificate of study from the director or dean’s office.
Once you have proven that your family has many children, you can submit an application to the executive authorities local authorities and get in line.
Documents for receiving subsidies and their submission
First you need to collect the following package of documents:
- A document reflecting the complete composition of the family;
- Certificate of income per person (for able-bodied citizens);
- Help showing the square meters of the room;
- Duplicates of identification documents of all family members;
- Document on ownership of real estate;
- Certificates of rights to benefits.
After collecting documents you need to visit local authorities executive power by writing a statement in the prescribed form, which can be taken from the registry. The application will be considered by a special commission within a month. It is she who will make a positive or negative verdict.
If the request is granted, then the applicant state support will be placed in a queue, after which he will receive a certificate. It must be implemented within six months from the date of receipt.
Algorithm of actions to receive a subsidy
Getting an apartment from the state is quite simple; to do this you need to perform the following series of actions:
- Collect all the above documents. You can do this yourself or with the help of special companies;
- Visit the administration and submit a properly completed application;
- After a positive decision of the commission, stand in line;
- Wait to receive the certificate after opening a bank account;
- Find a suitable living space for purchase.
In a similar way, you can receive a subsidy for the construction of a cottage or private house.
A subsidy for the purchase of an apartment is a benefit that will allow the most vulnerable members of society to acquire their own housing. Even if the funds issued are not enough to cover the full cost of the apartment, the amount will significantly speed up the purchase of comfortable housing.
Those who think that a subsidy can be issued solely for payment utilities, are wrong. Today you can also get a government subsidy for the purchase of housing. But you need to know how to do it correctly.
The concept of state subsidies for the purchase of housing
Every person dreams of owning their own home, which is not so easy to obtain due to the current situation. Many people, having reached old age, still don’t know what it’s like to have own house or an apartment. There are a lot of young married couples who need help to buy their own home, quite a lot of low-income people who cannot afford to buy even a small room. Prices for secondary real estate are rising by leaps and bounds, which makes the purchase even more difficult and brings it closer to impossible. Fortunately, the state thinks about its citizens and can help a certain category of people who cannot afford to buy their own cozy corner. This assistance is called a housing subsidy. It was created to improve the living conditions of citizens who cannot afford the minimum living standards.
Not all citizens can apply for a subsidy for the purchase of real estate, but only those who belong to the following categories:
- subsidies for pensioners and veterans
- military subsidies
- subsidies for young families
- subsidies for the poor
Every person who does not have enough income and also falls under certain criteria prescribed by law can apply for a subsidy. In other words, a housing subsidy is special assistance from the state in the form of a cash payment in a certain amount from the budget (the payment can be made from the local or federal budget). But for this you need to consider two important things:
- use of allocated funds specifically for the purchase of housing and only
- validity period is limited
Receiving a subsidy is free assistance that helps pay off housing costs. In other words, a subsidy is a certificate with a certain cash payment, which has its own expiration date. It cannot be cashed out, but can be used when purchasing your own home if the area of the apartment or house does not exceed social norms. This certificate can be used as a down payment when applying for a housing loan or to repay a mortgage that was previously taken out. In very rare cases, you can use the certificate to expand the area of your home.
How to calculate the amount of subsidy for the purchase of housing?
Such a subsidy does not cover the entire cost of a house or apartment, so people who apply for a subsidy must have, by the time they receive the certificate:
- funds to repay the remaining loan amount
- own home, which was planned to be sold before the deal was concluded
- a mortgage agreement in which a person agrees to pay the shortfall over several years
For those people who have already received a certificate and also used it for its intended purpose, it will not be issued again. On this moment The legislation gives six months to use the subsidy for its intended purpose. Citizens of the Russian Federation who received a certificate, but for some reason were unable to use it, can reapply for a subsidy to receive it, but on a first-come, first-served basis. Government subsidies are used to purchase “clean” housing. This means that the property should not be under arrest or pledge, and also cannot be encumbered with the rights of third parties.
The subsidy is calculated on a case-by-case basis. The cash equivalent depends on many factors and is determined by the state in each specific case. The procedure for providing subsidies is first come first serve, but there are also points that can change it:
- if a person has benefits
- the number of family members is taken into account
- takes into account the average cost of one square meter for housing that will be used in the certificate
- the correction factor also plays a role. For example, if a person worked for a long time in the public service or military service. The number of years a person spent in line for housing is also taken into account.
If the purchased housing is located within the city, then the person will receive government assistance of no more than 40% of the cost. As for people who work in the village, their subsidy can be up to 70%.
Categories of citizens who may qualify for housing subsidies
Basically, subsidies are paid not from the federal budget, but from the local budget, so the subjects of the federation independently decide on the category of citizens to whom this assistance can be allocated in addition to those defined by law.
According to the latest data, the following categories of citizens can receive subsidies for the purchase of housing:
- families with 3 or more children under 18 years of age. Children under 23 years of age are taken into account if the child is still studying at a higher educational institution or is undergoing military service.
- Young families also have the right to claim benefits if the age of each spouse is less than 30 years
- civil servants are entitled to subsidy
- people who work in budgetary organizations, can receive a certificate
- military personnel who have retired or joined the reserve may also qualify for benefits
- young professionals working and living exclusively in rural areas, as well as those working in agro-industrial companies
- orphans, as well as children who are left without parental care and assistance
- low-income citizens who were already in line to receive a house or apartment
- veterans and disabled people, as well as families of fallen participants in the Great Patriotic War
- people who leave the Far North, but on condition that their work experience exceeds 15 years.
The criteria by which other categories of citizens can qualify for a subsidy when purchasing a home are prescribed in regional or federal regulations. They are the ones who regulate the issuance of such certificates.
Each person who claims a subsidy will not receive such benefits if he deliberately damages his property to worsen his living conditions. If a person (or couple) who applied for a subsidy has changed circumstances (for example, he left the service, or moved from a village to an urban area), then he will simply be removed from the register. Also, a person may be denied a subsidy at the last moment if a change in his living conditions, a change in place of work, or a change in the number of family members is revealed (the person is required to report everything important aspects commissions).
Required documents to receive a subsidy
You need to write an application for a subsidy, as well as prepare a package of documents that need to be submitted along with it.
Documentation:
- original passport of the applicant
- extract from the house register
- make a copy of your financial account
- bring your marriage certificate and also make a copy
- all birth certificates of children and their photocopies
- you must bring documents of all family members who live with the applicant
- work book and its copy, as well as another document that confirms the fact that a person belongs to the category of beneficiaries
- documents that confirm ownership of a house or apartment, or a rental agreement for residential premises
- documents that confirm the right to additional space (of course, if available)
The procedure for providing and receiving subsidies
The person who fits certain category people, must write an application for “improved living conditions” and collect all Required documents, which were indicated above. After that you need to wait your turn. A person or couple must provide a bank account to which the money will be transferred until the subsidy is received.
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