Program to provide housing to young families. Help for a young family from the state: what is required and how to get it

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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:

Families who already have their own housing cannot participate in the project.
Spouses must live together.
The minimum family income for two should not exceed 21,621 rubles, for three – 32,510 rubles.
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:

The position on subsidies assigned for payment of mortgage loans at all stages has been removed;
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:

Many young families who live in the Russian Federation are interested in one question - which one is provided for them?

Is it possible to get an apartment or land plot for free? If so, how? What benefits are they entitled to?

For these reasons, we will consider all the issues in more detail.

What can a young family get from the state?

Today in the Russian Federation there are such types of support for young families, How:

List of options for obtaining an apartment from the state and their description

Today, there are several options for obtaining an apartment from the state. In particular, we are talking about such ways:

queuing for a municipal apartment;
registration of a subsidy to cover part of the costs of purchasing real estate;
take advantage of .

Queuing for real estate

In order to get the opportunity to get on the waiting list for free housing from the state, you must answer the following: conditions:

be under 35 years of age (for young families);
currently live in emergency housing;
or the family does not have their own housing and they live in a rented apartment.

To get in line you need to contact to the local government housing department. After being placed in a queue, housing is provided at the moment when the queue itself approaches the applicants.

Registration of a subsidy

The definition of a subsidy for an apartment means the opportunity to receive government support in the form of certain funds that can be spent on a down payment on a mortgage and covering part of the costs of purchasing an apartment.

In the event that a young family does not yet have children, its size can be no more than 35%, and if they are present, from 40% of the total value of the property.

To receive a subsidy, a young family applies to the housing department of the local government.

Getting a social mortgage

This type of assistance, by and large, refers to a subsidy. To get an apartment, a young family finds residential real estate for itself. After this, she contacts local authorities.

This body checks the apartment according to the following criteria:

Residential property area, which is purchased under the social mortgage program, must be:

up to 40 sq. meters for a young family of 2 people;
18 sq. meters for each family member if there are children.

Land plots from the state

In order to qualify for a land plot from the state, young families must meet certain conditions, namely:

is officially married;
all family members must be registered in the same living area;
be citizens of the Russian Federation;
they should not already own another plot of land;
being no older than 35 years of age.

If a family has 3 or more children, the chances of receiving a plot of land increase significantly.

To be provided with a plot of land, first of all, a young family must apply to local authorities (housing department) and provide a corresponding application.

Documentation can be provided:

in person upon visit;
or via the Internet.

Submitting an application

As mentioned above, you can also submit an application online. To do this you need to go to the Gosusulug website, and then follow the available prompts.

Self the application must include includes information such as:

personal information about the family;
information about children, if any;
the grounds on which the land plot must be provided;
what are the further purposes of this land plot after receipt;
if the family is already in line to receive an apartment, it is necessary to indicate their refusal of the apartment in favor of a land plot.

There is no prescribed application form; the only thing you need to pay attention to is that there are no errors in it.

Required list of documents

Main list of documents, which are submitted together with the application are considered to be:

Depending on the region in which the family lives, the list may be supplemented.

The right to priority receipt of a land plot

Priority right have young families who:

are considered ;
are engaged in education;
who are caring for a disabled WWII person (this may be one of the parents with whom they live together);
military personnel or law enforcement officers.

Terms for consideration of the application

As such, the state does not provide for any deadlines for reviewing documents. But there are unspoken deadlines that amount to up to 30 calendar days. After this period, the young family is told about a positive or negative result.

After making a positive decision, the young family has no choice but to wait for the time when they will be provided with a plot of land. It is immediately necessary to pay attention to the fact that this can last not only for months, but also for years.

When local authorities notify a young family about the allocation of a land plot, they must contact the housing department within 5 days and begin the registration procedure. If the family ignores this notification and, for example, applies on the 6th or 7th day, the housing department may by this time give the plot to the next family in turn.

Procedure after allocating a land plot

After the family has been provided with a plot of land and they completely agree with it (they are satisfied with it), they should begin registration procedure.

Since the land is provided at the expense of the state, you do not need to pay for anything. After receiving the official act, the young family must apply to the Rossester and register ownership of it.

Submit act and statement Can:

using MFC;
using the State Services portal;
or by personal visit.

After registration, the young family becomes the full owner of the allocated land plot.

If we talk about realities, here a young family needs to be prepared for the fact that the area will be covered with weeds and other vegetation, so you need to be prepared for serious cleaning.

What options are there for cash payments to help young families from the state?

Any young family has every right to receive such cash payments:

State assistance “Young family”

This assistance is provided to a young family to purchase your property.

On average, cash assistance is provided in this amount size:

a family of 2 people receives about 600 thousand rubles;
a family of 3 people receives about 800 thousand rubles;
a family of 4 people receives about 1 million rubles.

To receive this assistance, you must contact to local authorities and provide:

application for financial assistance;
passports of each family member;
Marriage certificate;
a document confirming the need to improve living conditions;
documents for the purchased apartment, which indicate its value.

Maternal capital

There is a regional and federal mat. capital.

Both mat. capital is provided after the birth of a child to a young family.

If we talk about the conditions for receiving regional capital, then everything depends on the region of residence - in one it is provided after the birth of 2 children, and in another after the third.

- about 453 thousand rubles, while regional ones range from 50 to 150 thousand rubles.

To design both mat. capital needs to be applied to the Pension Fund at your place of residence with a list of such documentation:

applicant's passport;
child's birth certificate;
statement.

One-time payments

At the birth of their first child, a young family has every right to receive 15 thousand rubles.

In addition, a one-time regional payment is provided, which in each region of residence is calculated based on the capabilities of the local budget.

To make payments you must contact to the social protection body or to the Pension Fund at your place of residence.

Benefits for children up to 1.5 and 3 years old

Depending on whether the mother of the children works or not, a young family has the right to count on years in the following amounts:

for 1 child – about 2800 rubles per month;
for the second and subsequent ones about 5800 rubles.

If we talk about, then the family has the right to count on 50 rubles monthly.

How to get housing under the Young Family program is described in the following video:

Those seeking to purchase their own home, came into force in 2011.

Cells of society who want to found a new nest or improve (expand) an existing one could become participants. In 2015, the Young Family program was extended until 2020.

Legislative regulation of the issue

Information on the procedure and conditions for participation in the “Young Family” housing program can be found in the following regulatory documents:

The above list cannot be called exhaustive, since it describes only the main mechanism of participation in the project.

What kind of help is provided?

The fundamental goal of the development, implementation and implementation of the state program “Young Family” is to improve the demographic situation in the country.

In addition, it is planned to achieve solving the following important problems:

providing young cells of society with their own square meters;
reduction of social tension in society;
activation of the delivery system.

By the way, many commercial banks use the slogan of the program “Affordable housing for young families” to attract additional clients. In order not to fall for the trick, you need to remember a significant difference: only in accordance with this program is a government subsidy provided for partial repayment of mortgage debt.

During the 5 years of the program, more than 170 thousand families acquired their own living space.

Wherein financial side of the issue until 2014 looked like this:

70% - own financing (savings or loan from a credit institution);
30% - government support.

In accordance with the terms of the program, amount of material support depends on whether there are children in the family and how much a square meter of living space costs in a particular area.

The final amount may vary due to support is provided as a percentage:

35% for those families who have not yet had time to have children;
40% - to young parents.

If a married couple has a child after joining the program, they will also receive 5% of their financial support. Large groups of society may apply for other additional subsidies. Depending on the demographic situation, each region tries to assist in the acquisition of their own housing.

Conditions for receiving state support

Before you apply for the program, you should assess your eligibility.

So, main conditions state support under the slogan “affordable housing for young families”:

To ensure that the local government does not refuse, you need to confirm your financial solvency, that is, prove that the unit of society has the material resources necessary to obtain a mortgage loan and further repay the borrowed funds.

Requirements for participants

Allocation of government subsidies is not the most complicated procedure, the main thing is that potential participants meet the established requirements.

The Housing Department, operating under the local administration, carefully reviews the documents provided and evaluates the material side of the issue, because it is important not only to be able to obtain a mortgage loan from a credit institution and enlist the support of the state, but also to repay the debt in the future. Until the family pays off the bank, the treasured square meters will not become their property.

So which one budget size is optimal for purchasing real estate under the “Young Family” program:

If the family includes 2 people, then the amount of joint income should be at least 21,621 rubles. (maximum amount of state subsidy – 600,000 rubles).
The presence of 3 people requires a monthly salary of at least 32,510 rubles. (the state can provide up to 800 thousand rubles);
For 4 family members, respectively, 43,350 rubles are needed. (the amount of the subsidy also increases to 1 million rubles).

Additional help allocated to families raising 3 or more children.

What type of property should be purchased?

A married couple or parent raising a child alone who did not have time to cross the border in 35 years, have the right to become participants in the “Young Family” program.

When selecting a suitable property, you can use both primary and . The seller can be either an individual or an officially registered organization.

At determining the optimal option need to consider:

In addition, you need to pay attention to the remoteness of the area, the presence of access roads and good roads, the proximity of factories, on which environmental cleanliness largely depends.

To learn how to get help from the state to buy your long-awaited home, watch the following video:

Content

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:

The age of each spouse does not exceed 35 years.
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.
Applicants must be recognized as in need of housing by local authorities and have an area less than the registration norm.
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:

Application in the prescribed form.
Copies of passports of both spouses, birth certificate of the child (children).
A copy of the marriage certificate (does not apply to single-parent families).
Documentary evidence of the need to improve living conditions.
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:

A copy of the loan agreement.
A document confirming the need to improve housing conditions at the time of issuing mortgage funds.
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 mortgage lending on preferential terms to participants. For example, a mortgage for a young family from Sberbank will require only 10 or 15% of the cost of the apartment (depending on the presence or absence of children), at a reduced loan rate. For those who take advantage of this offer to apply for a loan, the bank has a special benefit - at the birth of a child, payments can be deferred for up to one year.

Registration procedure

The subsidizing procedure and further related actions are carried out for the project participants in several stages:

Submission of a package of documents to the local government, where within 10 days they must decide whether to accept the candidate or refuse.
Until September 1 of the current year, a single list of participants is being prepared, taking into account all submitted applications. Priority in the queue is given to those who are registered as needing better housing before March 1, 2005, and those with many children.
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.
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.
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 I spend the 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 Young Families Assistance Program

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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Conditions of the Young Family program - who is eligible to participate, documents, procedure for their submission and consideration

Since 2012, the Government of the Russian Federation has implemented several projects, which are primarily aimed at helping young families.

They include:

mortgage credit lending;
maternal capital;
support for young professionals and so on.

One of these projects is aimed at enabling a young family to acquire their own home in a short time.

The essence of the “Young Family” program and its advantages

Using the “Young Family” program, young families can easily purchase an apartment or house.

In such a program, the State takes on part of the payments for housing. As a rule, the government pays up to 40% of the total cost of housing. The young family pays the rest of the payments on its own.

In addition, to participate in the program the following basic conditions must be met, How:

The area of real housing does not exceed 42 square meters. meters (calculated for two);
in a family of three people, each of them has no more than 18 square meters. meters.

The program includes many benefits, the main ones of which are considered to be:

the opportunity to apply for a deferred payment;
the down payment may be from ;
The minimum contribution payment is at least 10% of the total cost of the apartment or house.

Amount of assistance

A young family consisting of two people has the right to count on assistance in the amount of up to 600,000 rubles.

If a young family consists of 3 people, the amount of assistance will be 800,000 rubles. If a family of 4 or more people - no more than 1 million rubles.

If the family is large family, the amount of financial assistance is calculated on an individual basis.

For taking part it is necessary to contact the executive body at the place of residence to clarify the addresses for the construction of new buildings. After the final decision has been made about which new building specifically we are talking about, the young family begins to implement collection of all necessary documentation.

It is worth noting that the executive body has the right to offer another new building if the cost in the desired one is significantly higher than in the other.

Conditions for receiving a subsidy

Without any doubt, not all young families who live in the Russian Federation can take advantage of this program. There are certain conditions under which you can participate in this state program.

Basic conditions include:

A young family that fully meets all of the above criteria can only receive a subsidy if they use her for such needs, How:

acquisition of ownership of real estate (necessarily in a new building);
self-construction of your own house;
down payment according to the signed mortgage agreement;
contribution to the housing cooperative.

In the event that the inspection body reveals the use of the allocated funds for other purposes, mortgage lending stops its operation, and the case is referred to the court for an administrative offense.

List of documents

Provided that the young family fully meets all the specified requirements, they need to bring and fill out a number of documents, which include:

In the event that the entire package of documents has been collected, the young family is sent to the city (district) administration to be placed in the queue of their family. It is worth noting that the submission of this package of documents can be either joint or can be entrusted to this one of the spouses.

The authorized person who accepts documents is obliged to conduct a consultation on the further actions of the young family in order to receive the subsidy as soon as possible.

Despite the fact that under the “Young Family” program all the conditions for registration are more than transparent, all families must be prepared to overcome various difficulties.

Often, difficulties arise due to bureaucratic delays.

The whole process of collecting the necessary documentation, including the timing of their consideration, takes a huge amount of time. Moreover, the application may take several months to be considered.

In addition, there is a limit on the number of young families who are eligible to participate in this program, and it is also worth noting that there is a live queue.

It is necessary to take into account the fact that such a program is not able to provide assistance to low-income families, so all young families must be financially secure.

Registration procedure

Based on the submitted required package of documents, the housing stock issues its final verdict.

It can be of several types, namely:

a young family is allowed to participate in the program, and they will soon receive financial assistance to improve their living conditions;
a young family is not eligible to take part in this program.

Reasons for the decision refusal can be:

After accepting the entire package of documents, the housing fund must, within the first 10 days, make its decision on participation in the young family program and send its decision by mail to the address of their temporary residence. The letter must arrive no later than 5 days from the moment the decision is made.

Together with the decision, the total amount of financial assistance that will be allocated for a particular family must be determined. It is worth noting that the amount is different for everyone.

After approval of the amount of assistance, during the first few months, local authorities issue an appropriate certificate according to which the payment will be made.

Financial assistance is paid by bank transfer to one family member. All funds are credited to a bank card.

In the process of purchasing housing, a young family must provide documents to the executive body that confirm intended use allocated funds, namely:

certificate of purchase of housing (usually this is a purchase and sale agreement);
the account number to which the funds were transferred (with a full indication of all the details of the developer company from whom the housing was purchased).

What documents are needed and the conditions for participation in the “Young Family” program are discussed in the following video:

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