Social payments for the purchase of housing for a young family. State assistance for young families State assistance for young families

It is no secret that the housing issue is acute for most young Russian families. To help citizens acquire their own real estate, the federal Housing program and the Young Family subprogram were created. The latter has been extended until 2020, but newlyweds and couples with children should hurry: the queue for a program participant certificate is growing every day!

The Young Family program has been extended until 2020

What is the essence of “Young Family”?

The goal of the program is to provide newlyweds and couples with children with real estate at a discounted price. For this purpose, housing built during the program is sold at a price below the market average (but not less than 80% of it). Initially, the maximum cost of 1 sq.m. for program participants was 30 thousand rubles. Today, due to inflation, it has risen to 35 thousand.

Participants can also count on payment of government assistance (no more than 30% of the apartment price). Large families receive increased subsidies. The remaining expenses are reimbursed from the participants’ personal savings or loan funds. An important point: during the program you can only purchase apartments in new buildings. The place of their construction, the design of the future building and the company performing the work are approved by local authorities.

Despite all the shortcomings of the program, it remains a good chance to improve living conditions. "Young Family" was introduced in 2011. During its implementation, more than 30 thousand Russian families celebrated housewarming in their own apartments. By the end of the decade, it is planned to hand over the keys to new homes to another 170 thousand participants.

The project has already helped solve the housing problem for more than 30 thousand families!

Features of the program in 2017

In 2017, changes will occur in the conditions of the “Young Family”, which are useful for all future participants to know about.

• First, certificate holders were denied the opportunity to provide evidence at any stage of the mortgage payment. Funds received during the program can no longer be used to repay loans.
• Secondly, new participants in the program will not be able to spend government assistance on purchasing housing on the secondary market. The subsidy can only be used to purchase primary real estate or participate in shared construction.

Such changes caused a storm of indignation on the part of program participants. The authorities assured that the innovations apply only to families who have applied for a certificate since the beginning of 2015. It is possible that strict rules will be relaxed in the future, but there is no reliable information about such government plans yet.

Who can participate in the Young Family program?

Citizens of the Russian Federation who are under 35 years of age at the time of submitting documents and creating a list of beneficiaries can apply for a certificate. Applicants are required to have an official place of work. The income level of all family members must be sufficient to open a mortgage loan. Its minimum amount depends on the number of family members:

• two people – 21,621 rubles;
• three people – 32,510 rubles;
• four people – 43,350 rubles.

Since 2015, new rules apply to program participants

Families of the following categories can become participants in the Young Family program:

• spouses without children;
• married couples with children;
• single parent with one or more children.

Applicants must demonstrate the need to improve their living conditions. It may be caused by the following reasons:

• lack of own real estate;
• uncomfortable living conditions (for example, the emergency condition of the house, the need for its demolition or reconstruction);
• lack of living space (if it is no more than 18 square meters per person or does not meet the requirements adopted in each specific region).

How to become a participant in the Young Family program?

If your family's situation meets the requirements listed above, you should collect papers that will confirm your eligibility to participate in the program. These include the following documents:

• passports of adult family members;
• birth certificates of children (if any);
• marriage certificate (for a complete family);
• work records of working family members;
• certificates about the level of income of family members, their receipt of social assistance, opening a bank account;
• an extract from the house register indicating the composition of the family;
• documents confirming ownership of finished or under construction housing (if the family has one);
• information about the family’s residence over the last 5-7 years (agreements for the purchase or rental of real estate, registration information);
• documents related to the family’s credit history;
• certificate of queuing for real estate;
• for program participants - a corresponding certificate;
• military ID.

Lack of living space is a good reason to participate in the program!

The package of documents must include an application for participation in the program. It is compiled according to a standard template in two samples. In the text of the application, applicants must describe their difficulties with real estate and justify the need for help. Having collected all the papers, applicants need to contact the authorized body at their place of registration. As a rule, this is the real estate department of a city or district.

One copy of the application remains with the department along with the documents, and the applicant takes the second copy with him as confirmation. Each request is reviewed for 10 days. After this period, the applicant receives a letter informing him of the authorities’ decision. If the answer is yes, the family gets in line and receives a program participant certificate. Within two months, it must be taken to the bank where the account will be opened and the purchase of real estate can begin.

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

The project is represented by a set of measures carried out by the state, which are aimed at providing support to mortgage borrowers so that they have the opportunity to repay their debt in a shorter period of time. This is achieved through the provision of a variety of social benefits, subsidies and certificates.

However, to take advantage of this opportunity, you need to know about its nuances and meet the conditions set. At the same time, it is necessary to approach this issue very carefully, 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 economic crisis, bank rates on housing loans have increased significantly, and this complicates both obtaining a mortgage and repaying it.

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To whom is it provided?

Mortgage with state support 2017 and a young family, as a program as a whole, the target value is to provide the necessary conditions for citizens to build or purchase personal housing. The principle of state assistance is free of charge, but a preferential loan can only be received once for one family. To achieve this, the government agency must cooperate with banking institutions.

To obtain a mortgage with government support, applicants must comply with certain requirements, which may be adjusted in each individual region. However, the prerequisites include:

At the same time, you can even get in line to receive benefits using an electronic queue on the official website of the local municipal authority.

What do you need to participate?

The program to support borrowers who belong to the category of young families is aimed at facilitating the conditions for purchasing their own real estate. Anyone wishing to receive free subsidies must be approved by a special commission based on the submitted documents.

Conditions for making a positive decision:

To receive government support for a young family in paying off a mortgage, you must apply with a list of documents prepared in advance. This list includes:

• Written statement from the borrower;
• Passports of spouses, birth certificates of all children;
• Marriage registration certificate;
• Title papers for residential real estate, including a current expert assessment of the property;
• A certificate from the house register with information about persons registered in the living space;
• A notarized copy of the work record book of each spouse;
• Certificates confirming a stable family income;
• For men, it is mandatory to provide a military ID.

Nuances of social assistance

Regardless of whether a young family purchases a new home 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 subsidy amount ranges from thirty-five to forty-five percent of the total loan amount. Important conditions in this case are that the costs of construction work as a whole should not exceed three million rubles. To receive funds for the construction of a private residential building, you will need to attach project documentation, all available payments, receipts, and contracts with contractors to the list of documents.

State support for mortgages for young families in 2017 implies certain special features for the birth of a child in the first year of payment. These features are that, according to the law, you can get a housing loan as a result of the merger of different preferential programs. For example, if one of the spouses is a military personnel, you can combine the military mortgage with maternity capital. To realize this opportunity, you must go to the territorial branch of the creditor bank at your place of residence with the available certificates to make an initial payment. What the interest rate will be in this case is decided directly by the bank.

Using the mother certificate

Things are even better for a young family that has two children rather than 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, you can apply for a loan with government support under the special conditions of the selected bank.

State support for mortgage lending is provided by various instruments. For many years, maternity capital has served as the greatest support for young families. Despite the fact that its use is very limited, the road is open in matters of housing construction and purchase. Today, this is still the most popular project, the amount of payments for which in 2017 is 453,026 rubles.

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

Social projects

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

A number of key areas can be identified:

• A mortgage from AHML partners for state employees and those in need allows you to reduce the down payment and the interest rate;
• The state program “Housing for the Russian Family” will reduce the cost of a square meter of apartment and purchase it on preferential terms;
• Participants in the “Young Family” program have the right to state support with the payment of a down payment, and can also apply for benefits in banks and apply for a young family mortgage;
• Regional programs to support mortgage borrowers.

The “Young Family” program is available in both Sberbank and Rosselkhozbank. This program allows you to reduce the down payment by up to 10%, and you can also get a discount on interest. To become a participant, it is enough that there is a child in the family and one of the parents is under 35 years of age.

The project exists within the framework of a separate state program. With its help, you can receive a subsidy from the state for a down payment in the amount of 35% of the cost of the apartment. But this program is associated with a large number of bureaucratic issues and requirements.

The essence of government support

The following conditions of social mortgage exist:

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

Program participants are solvent working citizens of the Russian Federation who have stable incomes and are able to obtain a loan, that is, who meet the conditions for its provision. In addition, they must have the funds for a down payment, their credit history must be positive, and they must be a recognized home improvement need or emergency fund resident (for a number of subprograms). For public sector employees, it is required to have a professional work experience of three years or more in government agencies.

This list also includes citizens from 18 to 54 years of age with continuous service in one place for at least six months, and military personnel who have served for at least ten years. More detailed conditions should be considered for specific programs.

Mortgage lending agency work

How to get a social mortgage in 2017 can be found in AHML. This is the main organization entrusted by the government with 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”, “Social Mortgage for Doctors, Teachers and Scientists”, and also implements a program to assist borrowers.

Advantages of AHML:

A special certificate will be required in order to become a participant in the Young Family program in 2017. It is necessary to notify local authorities and the bank of your intention to receive a soft loan for the purchase of an apartment and be included in 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, you will need to provide a loan agreement already drawn up with the bank.

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At the level of constant increase in real estate prices, becoming the owner of an apartment is becoming difficult. In such difficult conditions, the participation of government agencies in solving emerging problems becomes more relevant. Young people have already appreciated the benefits of the Young Family program, which helps obtain affordable housing with support in the form of subsidies. More than 3.5 billion rubles were allocated from the federal budget for the implementation of this project in 2016-2020.

What is the Young Family program

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

How the state supports young families

The implementation of the Housing target program began in 2002. This federal project was launched with the aim of providing housing to needy categories of citizens and solved a wide range of related issues (modernization of communal infrastructure, etc.). The basic directions of the project included the implementation of the subprogram Providing housing for young families (better known in its abbreviated form - the Young Family program), distributing housing certificates, the holder of which received a subsidy from the state.

Program Goals

The main purpose of this project is government support in the acquisition or construction of residential real estate. This is done in different ways, for example, by applying for a subsidy for housing loans or paying for a contract for building a house. Spouses who need to improve their living conditions and who have not reached the age of 35 can participate in the subprogram.

State programs for young families

The timing of the implementation of the next stage of the state program was determined for the period 2011-2015, but then the period was extended until 2020 without significant changes. All this allows us to talk about it as a well-thought-out targeted federal project for the issuance of government subsidies, which has a clearly defined target audience and social orientation. According to official data, 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 emergence of such a project was quite predictable given the existing social norms and government policy to improve the demographic situation. It is important to note that within the framework 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 participants with many children - if the apartment in which they are registered does not meet the standard (less than 18 sq. m per person) - this is a reason to apply for participation in the project.

Regional program “Providing 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 a region or republic determine the amount of subsidies, therefore, different norms for the provision of social benefits from regional budgets apply in different regions. At the same time, the region’s very entry into the program of providing affordable housing for young people takes place on a competitive basis.

What is assistance to young families?

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

• Purchases of housing - for example, apartments from a developer, where part of the cost is paid through social benefits.
• Construction of a residential building - in this case, the cost of the construction contract is paid.
• Obtaining a mortgage loan - the down payment is paid using the subsidy.
• Payment for a housing construction cooperative - this must be the last payment, after which the living space becomes the property of the program participant.
• Repayment of real estate loans - both principal and interest. It is important that the bank loan is not overdue and was received before January 1, 2011, and that the housing is checked for compliance with economic class.

Subsidy amount

State payments are provided for targeted spending (as confirmed by receipt of a certificate), and therefore can only be used to improve living conditions. One of the basic factors that determines the amount of subsidy that a participant receives is the estimated value of the property (RVN). Moreover, if:

• Spouses are married but do not have children - the amount of social payment is at least 30 percent of the RSN.
• There is 1 child or more (this includes single-parent families) - a subsidy is provided starting from 35 percent of the RSN.

The estimated value of real estate is calculated using the formula RSN = NOP x NS1, where:

• NOP - standard total area (for example, for two people - 42 square meters);
• NS1 – standard cost of 1 square meter, established by local government.

Additional benefits for large families

A family with three or more minor children is considered to have many children. The Decree of the Government of the Russian Federation “On the Federal Targeted Housing Program” specifically emphasizes that large families are one of the priority categories. They are provided with a benefit - a larger subsidy in relation to the estimated cost of housing. For example, if a simple community unit of three people can receive 600,000 rubles for a social mortgage, then a large group can receive 1,000,000 rubles or more, depending on the number of children.

How to become a participant in 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 the necessary requirements are met and all documents are provided, the participant may qualify for a subsidy. An apartment for a mortgage to a young family is the most common use of social benefits, which will be the down payment on the loan.

Mortgage conditions for a young family

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

Requirements for borrowers

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

1. The age of each spouse does not exceed 35 years.
2. If there are no children, it is necessary that the husband and wife have Russian citizenship. If there is at least one child, then only one of the spouses can be a Russian citizen.
3. Applicants must be recognized as in need of housing by local authorities and have an area less than the registration norm.
4. Applicants must have funds that, together with the subsidy, are enough to purchase real estate, or they must have income sufficient to obtain a mortgage loan.

Where to contact

Applicants who qualify and want to take advantage of the benefits this subsidy program offers must submit an application to their local government office. More detailed information is available on the website of the Real Estate Department - if you have any questions related to paperwork, you can contact them by email.

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. A copy of the marriage certificate (does not apply to single-parent families).
4. Documentary evidence of the need to improve living conditions.
5. Documents about the financial status of the spouses.

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

1. A copy of the loan agreement.
2. A document confirming the need to improve housing conditions at the time of issuing mortgage funds.
3. A certificate from the bank regarding the amount of the remaining principal and interest.

Preferential mortgage for a young family with state support

The advantage of this form of lending for borrowers is difficult to overestimate - everyone who has ever 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 funds for the down payment, plus his solvency has been verified by government agencies.

Which bank can I get it from?

The Young Family program has proven itself well in the banking segment, and major players - Sberbank, Rosselkhozbank, VTB24 - offer participants mortgage lending on preferential terms. For example, a mortgage for a young family from Sberbank will require only 10 or 15% of the cost of the apartment (depending on the presence or absence of children), with a reduced interest rate on the loan. For those who take advantage of this offer to apply for a loan, the bank has a special benefit - upon the birth of a child, payments can be deferred for up to one year.

Registration procedure

The subsidy procedure and further related actions take place for project participants in several stages:

1. Submitting a package of documents to the local government body, where within 10 days they must make a decision - to accept the candidate or refuse.
2. Before September 1 of the current year, a single list of participants is being prepared, taking into account all submitted applications. Priority in the queue goes to those registered as needing improved housing conditions before March 1, 2005 and those with many children.
3. After the government approves the amount of social payments for the next year, lists for payments are approved. Everyone on the list is notified that they will be paid a subsidy.
4. After filling out the necessary documents, the participant receives a certificate of entitlement to receive social benefits. The certificate should be submitted to the bank where an account is opened to which the local government body transfers funds for the intended use.
5. Having received an order from the project participant, the bank transfers the money to its destination (real estate seller, mortgage lender, etc.).

Young family project for Moscow residents

Although Moscow is the capital and center of Russia, the Young Family program is not formally implemented here. The thing is that although the program is financed from the federal budget, in the implementation of the project the emphasis 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 apply

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

• that both spouses be citizens of Russia and at least one of them has Moscow registration;
• be on a waiting list for improved housing conditions (or registered as in need of improvement);
• have an appropriate level of income that makes it possible to pay a mortgage or immediately purchase real estate when a subsidy is issued.

How the queue is formed under the Young Family program

Muscovites who want to take part in this project should prepare an application and, having collected a package of documents, contact the Department of Housing Policy and Housing Fund of Moscow. A fund employee will not only accept your documentation, but will also check that the application is filled out correctly and issue a receipt. Since the second copy of the application with a signature confirming the acceptance of documents will remain with you, make it in two copies in advance.

The queue for the city housing program includes several categories of people in need, with priority for applicants with many children, those with disabled children, etc. The implementation mechanism itself in Moscow is also somewhat different from the federal one - participants are offered to purchase real estate at a discounted price, with compensation (write-off) of part cost. For example, 30% is written off for parents with three or more children (or at least one disabled child). Along with their own funds to purchase an apartment, participants can also use maternity capital.

Where can you spend money received under the housing program?

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

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

Pros and cons of the program to help young families

The positive aspects of this social project are obvious - it is material and organizational assistance to young spouses so that they acquire their own housing. By taking part in this project, you can reasonably expect that your housing issue will soon be resolved for the better. You will receive real estate with a limitation on the area of ​​residential buildings or apartments, but this is a social project, and it is not designed for lovers of luxury apartments.

Among other disadvantages, too high requirements for those who are issued housing certificates are often cited - since these people have an income sufficient to obtain a mortgage, how much do they need a subsidy? If we compare this with the fact that a single mother with two children can receive the same amount as two spouses with one child, then it is easy to see that there is still room for improvement in the project.

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The cherished dream of every newlywed is to purchase their own home.

The solution to this issue involves the development of events in 2 options. The first is to buy an apartment using a credit card. The second way is to become participants in the federal program, which will be discussed further.

What legislation regulates

In order to support newlyweds who find it difficult to purchase their own housing, a special program called “Young Family” was developed and approved in the Russian Federation. It is part of the ongoing Housing project.

Its validity was initially established until 2015. But it was decided to extend the project for newlyweds, and the Government of the Russian Federation adopted a corresponding resolution. It contains a new completion date programs - 2020.

From the legal side, the project is regulated the following regulatory acts of the Russian Federation:

The main task What the program extended until 2020 should solve is assistance in purchasing or building their own apartment for newly formed families. Its effect does not apply to any individual regions, but extends to the territory of all of Russia. However, all legal aspects relating to this project are being developed by regional authorities in local districts. Therefore, the conditions for the participation of newlyweds may differ.

Advantages and disadvantages

Positive sides For newly created families who have just embarked on their life path, the following are obvious:

However, the program has some disadvantages and limitations:

1. Families who already have their own housing cannot participate in the project.
2. Spouses must live together.
3. The minimum family income for two should not exceed 21,621 rubles, for three – 32,510 rubles.
4. Each family member (including children) must have Russian citizenship.

Applications are first accepted from those families who have absolutely no place to live or whose living conditions really need to be improved.

The terms of participation

Participants in the project can be those families who have living space per member below the approved rate for their region of residence.

Husband and wife can only be adult citizens of the Russian Federation.

Age limit spouses is set at 35 years old, when they can still become participants in the project.

Who can apply for these benefits?

For benefits can claim families in need of housing if:

Housing requirements

In the program, the need to improve living conditions means the following factors:

• existence in difficult conditions unsuitable for normal life;
• the area of ​​the premises is underestimated and does not meet the requirements adopted at the regional level;
• the risk of infection if living in communal housing with a sick person.

Amount of subsidy received

Assistance in providing housing to young families is provided through the payment of subsidies depending on the market value in the following sizes:

Subsidized funds are automatically transferred to your bank account. They come from the budget, which is established annually by the authorities for the implementation of the program.

Any of the participants in the project to help young families will be able to track your position in the queue to receive a subsidy. To do this, on the website of the Housing Department, you need to open the page of the region where the family lives.

Registration procedure

To become a participant in the project, you need to collect a package of documents to receive a subsidy. The list for different regions of Russia is approved at the local level. You can find out the exact register of necessary documents on the official resource of your district.

Where to go

Application needed address to the Commission, recognizing families as truly in need of improved housing conditions. At the meeting, the package of documents provided by the applicant is reviewed and the issue of assigning a subsidy is decided. within 10 days. If the commission satisfies the applicant’s application, then you need to obtain a certificate for the subsidy.

To enroll as a project participant in 2019, you need to submit an application with a package of papers to the executive bodies of local authorities.

List of required documents

Usually, to contact the regional administration you need prepare such documents:

The listed documents are common, but this register may be supplemented depending on regional regulations. Therefore, the requirements for the necessary documents need to be clarified at your place of residence. The Department of Housing Funds reviews papers and issues certificates to program participants.

Registration procedure

Before contacting the housing department commission of the district administration, it is necessary to prepare a package of all necessary documents.

General requirements to them are:

When the package is fully prepared, you can submit a written appeal to the regional housing department. This can be done by both or one of the spouses.

The employee who accepts applications must explain how family participation in the project is carried out. He puts the entry number on one of the application forms and returns it to the applicant. You can also address all questions of interest to him regarding the further course of events.

Queue formation

If the decision to accept the application is satisfactory, the family put in line to receive a subsidy. You can check the position number in the list on the official website of the program for your region of residence.

Please note that eligibility may vary by region.

Program update caused indignation among the participants, because Several points have been eliminated:

1. The position on subsidies assigned for payment of mortgage loans at all stages has been removed;
2. There is no opportunity to purchase an apartment on the secondary market.

Duration of this program

The end of the project was planned for 2015, but then good news for those wishing to participate in the program appeared on April 15, 2014.

On this day, Decree of the Government of the Russian Federation No. 323 was signed on extending the period of validity of the Housing project for another 5 years. Now it will be valid until 2020.

Assistance to young families in creating or purchasing their own housing will now be supported by federal and local legislation.

For a description of this state program, see the following video:

Mortgage conditions for a young family for 2016-2017 Good afternoon, young reader! I dedicate this post to you and your family.

That summer they celebrated my cousin's wedding and, as it goes without saying, they are now expecting a child.

Living in a rented apartment is not an option, and I don’t want to live with my parents either, so we settled on a mortgage.

It’s good that you didn’t rush, because there are special conditions for young families, including in our bank. He took on the role of helmsman and helped them get a subsidy for the purchase.

What is it and how is a mortgage issued to a young family in 2016-2017? Read on.

Mortgage for a young family in Russia A mortgage for a young family in Russia is practically the only opportunity to become the owner of their own home.

It is very difficult to save up to buy an apartment or build a house yourself.

The reasons for this are: high inflation, high cost of living (including housing), and the difficulty of finding a permanent job with high wages for a young specialist.

Few will doubt that taking out a mortgage for a young family is the same as signing an obligation to voluntarily work all your life for the benefit of the bank. Nevertheless, the majority of Russian young families decide to take this risky step.

Warning!

You should know that a mortgage loan for a young family can be obtained by becoming a participant in the state program to assist young families.

A mortgage under the “Young Family” program is an opportunity to receive a significant government (support) subsidy when purchasing a home.

In addition, you can take advantage of bank mortgage programs. Many banks have mortgage programs for young families. They certainly differ from each other, and also differ from the state subsidy program “Young Family”.

The main difference between the so-called bank assistance to young families and the federal program is that the state. help is free of charge.

The state provides a free subsidy for the purchase of housing if a family is recognized in the appropriate manner as in need of improved housing conditions.

Banking programs

Banks, in turn, do not “give” anything to their clients, but can offer one of the following profitable options:

1. reduced interest rate,
2. no down payment or minimum down payment,
3. possibility of deferring payment without imposing penalties,
4. preferential lending.

To join the mortgage program, a young family needs to do the following:

To receive a government subsidy:

1. obtain the status of a family in need of improved housing conditions;
2. join the “Young Family” program and receive a certificate confirming your right to subsidize;
3. contact the branch of the OJSC Agency for Housing Mortgage Lending, which was created by the Government of the Russian Federation specifically to implement subprograms to improve the living conditions of young families in need.

To participate in banking programs, you need to contact the bank for clarification regarding the conditions of the relevant programs, then select the program you like and sign a loan.

Conditions for taking out a mortgage Each bank offers its own conditions for the Young Family mortgage program.

However, several universal ones can be distinguished.

The general conditions for obtaining a mortgage for a young family are as follows:

1. age limit;
2. the need to pay a down payment (it is usually calculated as a percentage of the cost of housing and ranges from 10%);
3. Having a stable income and a permanent place of work.

Additional conditions for receiving government subsidies include:

1. age of spouses (up to 35 years);
2. the need to recognize a family in need of improved housing conditions;
3. compliance with the condition that the family must be registered in a certain region for at least 10 years.

Documents for obtaining a mortgage

Among the general documents usually required by bank employees to apply for a mortgage are the following:

1. original and copy of passport;
2. original and copy of the certificate of registration at the place of residence;
3. copies of documents on marital status;
4. educational documents;
5. a copy of the work book certified by the employer;
6. a copy of the employment contract (with additional agreements certified by the employer);
7. originals of certificates in form 2-NDFL;
8. a completed request to the employer to confirm information about income received.

Banks may ask for additional documents necessary to make a decision on granting a mortgage loan to a family.

We have selected for you the best mortgage offers from our catalog:

Banks working with the Young Family program

The following banks offer their own mortgage lending programs for young families:

1. Sberbank – mortgage loan “Young Family”;
2. VTB 24
3. Bank "Pervomaisky";
4. Gazprombank;
5. OTP-Bank;
6. Tatfondbank;
7. RosselkhozBank.

Attention!

Now, in most cases, in order to get affordable housing for a young family, it is necessary to take out a mortgage. If the family decides to do this, then the bank should be chosen especially carefully.

source: http://molodaja-semja.ru/

State programs to support young families

State programs Considering the importance of correct demographic policy, the state seeks to assist young families in improving their living conditions.

Without support from the budget, most young families simply cannot purchase housing, and, accordingly, cannot afford to have a child.

State support for young families is provided subject to the following conditions:

• each of the spouses (and if the family (hereinafter - sometimes S.) is incomplete, then the only parent) must be no older than 35 years;
• the family must register their status as needing improved housing conditions;
• there must be at least one child in the family. This condition is not specified in all programs (in some cases, the presence of children may simply increase the subsidy percentage);
• the family must have a regular income to pay the state mortgage, or have their own funds to buy an apartment.

What state programs exist for young families?

The Federal Target Program (FTP) “Housing” for 2011-2016 was approved by government decree in December 2010. It was developed to solve the housing problem in general.

Program goals:

1. to create an economy class housing market in the Russian Federation;
2. eliminate the lack of comfortable housing;
3. improve the quality of the housing stock in Russia.

This program implements the national project “Affordable and (in the exact wording - author’s) comfortable housing for citizens of the Russian Federation.”

One of the subprograms of this target program is “Affordable housing for young families.” Provides for state support (subsidy) for the purchase (construction) of housing by a young family. Designed for 2011-2016.

To implement the program, regional programs “Providing housing for young families” have also been developed. This is also part of the programs to support young families who need to improve their living conditions.

Program “Affordable housing for young families” for 2016-2017

affordable housing 2016-2017 The project ultimately aims to increase the population.

The program is designed to solve the following important tasks:

1. correct the demographic situation in the regions;
2. provide MS with their own housing (houses or apartments);
3. reduce social tension;
4. activate the mortgage lending system.

The “Affordable Housing for Young Families” program should not be confused with regular youth mortgages from commercial banks. “Affordable housing for a young family” is part of the comprehensive support for MS from the state.

For young families participating in the subprogram within the framework of the national project, the state allocates funds on a first-come, first-served basis for partial payment for purchased primary housing or for partial payment for the construction of their own home. In 2016-2017, it is expected to provide housing for 172 thousand families.

Advice!

The amount of assistance depends on the presence of children and on the standard cost of a meter of housing in a particular municipality.

This amount is expressed not in money, but as a percentage of the average cost of housing. In 2016, the following amount of financial assistance is provided for participants who entered the program:

• A family without children receives a 35% subsidy. The size of the family budget for a S. of two people must be at least 21,621 rubles, and payments for such a S. will be approximately 600 thousand rubles;
• A family with children receives a 40% subsidy. The size of the budget for a family of three should be at least 32,510 rubles, and for a family of four, accordingly, it should be no less than 43,350 rubles. In monetary terms, the payment for S. of three people is approximately 800 thousand rubles, for four people - approximately 1 million rubles.

If program participants give birth to or adopt one child, they can receive an additional subsidy of 5% or more.

In addition, the program provides benefits and payments to families with many children. According to the demographic situation, each region provides its own additional financial assistance, which, together with federal measures, becomes comprehensive support for young families.

What documents are needed to receive a subsidy under the program?

To participate in the “Affordable Housing for Young Families” program, the family must provide the following documents to local governments:

1. application of the established form in two copies;
2. passports of spouses or single parents (copies);
3. marriage certificate (for two-parent families);
4. child's birth certificate;
5. documents confirming that the family is on the waiting list for housing;
6. loan or mortgage documents;
7. documents for housing that is being purchased or built.

If a social benefit is needed to pay off a debt on a housing loan, then you additionally need to provide:

1. a document confirming ownership of housing purchased or built with the help of a mortgage loan (copy of state registration certificate);
2. loan agreement (for agreements concluded from June 1, 2006 to December 31, 2010) - a copy;
3. a certificate from the lender about the remaining principal and interest payments on the mortgage loan.

The authority decides to recognize this MS as a participant in the program, then notifies about it.

After receiving already approved lists of young families applying for participation in the program, he informs about the need to submit documents to obtain a certificate.

Grounds for refusal to participate in the program:

1. family failure to meet established requirements;
2. failure to provide the necessary documents;
3. unreliability of information in documents;
4. Previously, the family had already improved their housing at the expense of the federal budget.

After receiving the notification, applicants must submit the application and documents mentioned above to the local authority within a month.

Warning!

When the family receives a personal certificate in response, it must send it to any of the partner banks of this federal target program. The required subsidy amount is credited to the account of this bank.

The bank issues a loan secured by purchased real estate. The property is transferred to the family. The subsidy is provided once.

So, the mechanism for receiving social benefits is as follows (except for Moscow):

• register regionally as a participant in the subprogram;
• receive a certificate, then transfer it to an authorized bank;
• select housing, pay for it under the purchase and sale agreement through this authorized bank (and add 70% of your own funds).

Changes in 2016-2017 The main points of the program remained unchanged.

Let's list some of the latest innovations:

1. from January 1, 2014, funds must be used to purchase only primary housing or to participate in shared construction;
2. it is not allowed to use the subsidy at any stage of repaying the mortgage loan, as was the case before;
3. It is not allowed to direct funds to secondary housing.

The innovation, as we have already noted, affected only those who registered in the program in 2014. The rest will receive assistance under the same conditions.

What remains the same?

The main part of the program does not contain changes. Thus, the criteria for participation in the project remained the same. They are:

1. citizenship of the Russian Federation;
2. the age of the spouses (or single parent) is not older than 35 years;
3. a young family should be taken into account as in need of improved housing conditions;
4. the family budget must be of sufficient size to receive a loan;
5. Each Family member must have an insufficient number of square meters of living space (no more than 15) or there must be no housing in the property at all.

Programs “Affordable housing for young families” in the regions

Young families – affordable housing in the regions Regional programs to assist young families (created on the basis of the Federal Target Program “Housing”) operate in 80 constituent entities of the Russian Federation.

At the same time, each region takes into account its own capabilities and sets its own priorities and preferential order of priority.

There are the following options for social mortgages, which are provided for by law:

• subsidies for part of the cost of housing purchased with a mortgage;
• sale of municipal apartments on credit and at a reduced price;
• reimbursement of part of the interest rate on a mortgage loan.

Different types of social mortgages operate in different regions. To participate in this program, you need to contact local authorities - the department (management, department) that deals with local housing policy.

Specialists should advise on social mortgage issues. At the request of the applicant, they must make preliminary calculations taking into account the income of the young family, the size of the down payment, the size of the loan and its term, and the amount of monthly loan payments.

In Moscow, the subprogram “Affordable housing for young families” is not carried out literally, but with some variations, preserving only the principles and tasks defined in the federal target program.

Thus, social benefits are not given to young families, but they are allowed to buy real estate in the capital at preferential prices, which is the property of the city.
In the Moscow region, the program operates in its classic form.

Prospects for the program

Since 2016, Russia was supposed to introduce additional measures of social support for young families. The corresponding bill “On additional measures to support young families” was developed by a group of deputies and submitted to the State Duma back in December 2013. Its text is posted on the official website of the State Duma.

The bill provided, in particular, for the following measures:

• an interest-free loan to a young S. with many children for the purchase (or construction) of housing;
• preferential rate under a credit agreement (or loan agreement);
• social payment for the purchase (or construction) of housing (from 25% to 40% of its average cost);
• housing subsidy to repay part of the loan debt and loan interest upon the birth of a child.

However, this bill has not been adopted and is still under consideration. So, in 2016-2017, no significant changes are expected in state support for families compared to the previous year.

Most likely, the “Young Family” social project, originally designed from 2011 to 2016, will be extended for several more years - until 2020.

source: http://molodsemja.ru/

Program “Young Family 2016-2017”

Young family 2016-2017 In 2011, a program was launched in the Russian Federation to support young families.

With its help, the state was going to help Russians who were just starting family life, making it easier for them to solve the most pressing issue - purchasing their own home.

Attention!

The Young Family program was originally designed for the period from 2011 to 2015.

However, the government has repeatedly said that the significance of this project for the life of society is very great. Therefore, on April 15, 2014, a decree was signed to extend the “Young Family” program until 2020 inclusive.

In May of the same year, the head of the Ministry of Construction of the Russian Federation, M. Men, repeatedly emphasized the importance of this program. The head of the Ministry of Construction noted that the reduction in project costs, which occurred as a result of the crisis, causes concern among members of the State Duma.

He said: deputies will try to return the program to its original level. According to the plans, about 170 thousand Russian families and single parents will be able to receive new housing. But what changes will the program undergo in 2016, and what are its features today?

What does Young Family guarantee?

Let us clarify right away: the extended program has undergone some changes. Initially, the range of opportunities it opened up was wider.

Now it has narrowed, but changing the conditions will allow the state to help more people buy their own homes. Previously, a young family or a single parent could apply for improved housing conditions in various ways.

So, if citizens became participants in the program, they could buy an apartment, finance the construction of a house, pay the first part of the mortgage loan amount, or repay the loan that they had at the time of joining the program, but only on the condition that it was taken out before January 1, 2011 .

In addition, if a couple or single citizen were members of a housing savings or housing cooperative, the state could finance the last part of the contribution. The received subsidy could be used exclusively for the purchase of one’s own home or its construction.

However, not all citizens are given the opportunity to receive assistance from the state.

Advice!

A number of requirements are presented to applicants. Thus, the maximum age of people who can receive a subsidy is 35 years.

Moreover, they must be citizens of the Russian Federation. In addition, it must be proven that applicants are in line for improved housing conditions and really need it.

Legitimate reasons for improving living conditions

1. The conditions in which the applicants live are unsuitable for this.
2. The applicant does not have his own living space, or the area allocated to each family member is less than what is required for one person. This indicator is determined in accordance with the standards adopted in the region where the person lives.
3. The applicant lives in a communal apartment with a sick person, with whom it is impossible to coexist.
4. A person or couple who wishes to participate in the program already has enough money to partially cover the purchase of a home or mortgage. The subsidy amount is not taken into account.

The state also imposes income requirements for citizens applying for participation in the program, and the amount of the subsidy is affected by the number of family members. If there are two people in it, the budget for each of them must be equal to at least 21 thousand 621 rubles.

The maximum possible amount of assistance is 600 thousand rubles. If there are three members in a family, each person should receive at least 32 thousand 510 rubles, and you can count on a maximum of 800 thousand rubles.

In families of four, each person’s budget should be from 43 thousand 350 rubles, and the state can provide assistance in the amount of 1 million rubles. The subsidy amount until 2015 was 35%.

If a family or a single person with children applied to participate in the “Young Family”, the amount of the subsidy changed to 40%. For those couples or people who raised several children, additional benefits were also provided.

“Young Family” program in 2016-2017

In 2016, the program rules were changed. Among the main amendments that the plan to provide young families with their own housing has undergone, three can be named.

1. If previously it was possible to obtain a subsidy to pay off a mortgage at any stage, now this is impossible. According to the new rules, you cannot pay off debts with the allocated money.
2. The new version of the program does not allow receiving government assistance for the purchase of housing from the secondary market.
3. The maximum amount of assistance that can be allocated is 30% of the total cost of the apartment or construction. The difference will have to be paid on your own or through credit.

All participants who were included in the program under the old rules will be able to use the money as they planned. However, newcomers will be accepted according to new standards.

How to become a participant in the program?

First, the family should ensure that it meets all the requirements outlined above.

And secondly, in order to participate in the “Young Family” program, you must submit a package of documents to the authorized body (most often the district administration). They must confirm several important facts about the family.

Required documents The package must contain an application requesting entry into the program.

It is written in accordance with the established form in two copies.

One of them remains with the administration, and the program participants take the second with them - as confirmation that the document has been accepted.

The statement should provide arguments why this particular person or family needs government help.

You will also need personal documents (passport).

Warning!

If the applicant has children, their birth certificates should be added to the package. For a couple who has legalized their relationship, it is also mandatory to submit a copy of the marriage certificate.

It is necessary to notify the state about what sources of income a family or citizen has. In this case, the purpose of the documents is to confirm the solvency of the applicants. Only those who will be able to repay the debt can count on help.

The package should be accompanied by salary documents issued at work, as well as (preferably, but not required) a certificate of a bank account. If a couple or citizen receives social benefits, documents about this will also be needed.

Take care of an extract from the house register. She will inform the government agency about the composition of your family.

To receive assistance, you will also need documents for housing that is being purchased or built, and for obtaining a loan or mortgage. In addition, the applicant must confirm that he is in line for housing.

Attention!

To do this, you should take care of a certificate certifying your placement in the queue.

The list ends with information about the place of residence of the couple or citizen. It should cover the period over the last 5–7 years. It is advisable to provide documentary evidence (information about registration, and if the apartment is rented, then, for example, a rental agreement, etc.). But if this is not possible, you can make do with oral evidence.

When this entire package has been collected, all that remains is to go to the administration, submit a request for inclusion in the “Young Family” program and wait for a decision.