The main event "Providing housing for young families" of the state program "Providing affordable and comfortable housing and utility services to citizens of the Russian Federation" for 2015 - 2020, approved by Decree of the Government of the Russian Federation of December 17, 2010 No. 1050 (with amendments and additions)

Conditions for participation

• the age of both spouses in a young family does not exceed 35 years;
• a young family is on a waiting list for housing;
• the young family is solvent.

Under the terms of the subprogram, a young family is paid social payment (or hereinafter referred to as subsidy) fixed size. The size of the social payment depends on the number of members of a young family and the cost of 1 square meter of total living space (Ministry of Construction of the Russian Federation), approved by the authorized federal body (Ministry of Construction of Russia), and is 30% for a family without a child, 35% for a family with a child (with children ).

The payment can be directed by a young family to:

Purchasing housing,

For the construction of an individual residential building,

To pay the down payment of a housing loan, mortgage loan, housing loan, to pay the last share contribution of a housing construction cooperative,

To repay the remaining debt on a loan taken out by a young family to purchase a home before December 31, 2010 (no later),

To repay the remaining debt on a loan taken out after June 1, 2016 for the purchase (construction) of housing.

The right to receive payment is certified by a Certificate issued to a young family by the local government body in which the young family is on the waiting list.

Families on the housing list and with sufficient income to purchase housing are eligible to participate in the federal subprogram for providing housing for young families. The procedure for the participation of a young family can be divided into three stages.

Young families can exercise their right to participate in the subprogram once.

Note. 1. The young family does not include the parents of the spouses.

2. The payment is gratuitous, irrevocable, and does not accrue interest. This, in essence, is state assistance to a young family in need of improved living conditions.

3. There are no separate charges for children.

First stage: Recognition of a young family in need of housing, placement in a queue.

Let us immediately note that this information sheet does not provide grounds for recognizing a young family as in need of housing.

Briefly: a family is recognized as needy if each family member has less than 14.5 square meters of total area of ​​the premises in which the young family is registered. If spouses are registered in different residential premises, then the calculation of the area is carried out in aggregate. If, in addition to the residential premises in which the family is registered, members of a young family or other relatives registered together with the young family own other residential premises (or shares of property), the total area of ​​these premises is also taken into account. The area is calculated without taking into account balconies (canopy and other outbuildings for individual private buildings).

To recognize a young family as needing housing, it is necessary to submit the necessary list of documents to the housing registration and distribution department of the district administration. The list can be obtained on the website in the section “Recognition as needy” - “State support”. The application form is also posted on the website. The application is considered within a month, and the young family is notified of the decision in writing, by simple mail.

Young families on the waiting list for housing skip this stage, but are required to re-register and submit new documents confirming their need.

Second phase. Recognition of a young family having sufficient income and inclusion in the list of participants in the subprogram for the next financial year.

In accordance with the conditions, a young family wishing to take part in the subprogram must have sufficient income or other funds sufficient to pay the estimated cost of housing in excess of the amount of social benefits (confirm solvency).

A single mother or single father, a family with a child (with children) must confirm solvency in the amount of the difference in the estimated cost of housing and subsidies, i.e. 65% of the estimated cost of housing, a young family without a child - 70% of the cost.

Any of the following can serve as a document confirming solvency for the specified amount:

1) or a copy of an account in any bank opened for a member of a young family;

2) or a certificate (extract or confirmation) issued by any bank about the creditworthiness of a young family;

3) or market assessment of the value of your own residential premises located entirely owned by a young family, produced by an independent appraiser;

4) or a guarantee obligation of an individual, certified by a notary, or a legal entity to provide the required amount when the young family receives a certificate of right to payment;

5) or a copy of the loan agreement for funds and attached to it, or a copy of the receipt for the payment of borrowed funds by a legal entity, or a copy of a bank account for the borrowed amount transferred to a young family by an individual

6) if a young family has State certificates of maternal (family) capital, they are also accepted as confirmation of solvency.

How is the payment calculated?

The formula for calculating the payment includes the concept of the total area of ​​social housing per family, the average market value of 1 sq.m of total housing area in the constituent entity of the Russian Federation, approved by the Ministry of Construction of the Russian Federation.

Total area of ​​social housing per family:

for two people - 42 sq.m;

of three or more people - 18 sq.m. for each family member: for 3 people - 54 sq.m., for 4 - 72 sq.m., for 5 - 90 sq.m.

The average market value of 1 sq.m of total housing area in the Chuvash Republic for the last quarter of 2016 was approved in the amount of 31,034 thousand rubles (the cost of 1 sq.m is approved 2 times a year!).

Based on these data, the estimated cost of housing is determined:

The estimated cost of housing is equal to the product of the total area of ​​a family’s housing and the average market value of 1 sq.m in the Chuvash Republic.

From this product a payment is calculated: 30% to a family without children, 35% to a family with a child (with children).

So, for example, with the cost of 1 sq.m of housing in the amount of 30,303 rubles:

single mom or single dad with a child will receive a payment in the amount of: 42 sq.m * 30,303 rubles * 35% = 445454 rubles;

young family without a child will receive a payment in the amount of:

42 sq.m * 30303 rubles * 30% = 381818 rubles;

young family with two children(4 person family):

4 people * 18 sq.m * 30303 rubles * 35% = 763636 rubles

The calculation was made at the end of 2015, the amount of payment must subsequently be clarified with the department specialists!!

Young families confirm their solvency in 2015 in the amount of:

830 thousand rubles (rounded) for single mom or single dad;

family without a child - 891 thousand rubles, family with 1 child - 1 million 100 thousand rubles; with two children - 1 million 420 thousand rubles, with three - 1 million 778 thousand roubles.

(The prices are indicated at the end of 2015, in the future the costs must be clarified with the department specialists!!).

Important note. If a young family can confirm solvency in different ways, then the calculation of the amount of solvency will be made in aggregate. For example: a copy of the market assessment of the value of your own premises for 600 thousand rubles, a copy of a bank account for 300 thousand rubles, a maternal certificate for 400 thousand will give a total of 1 million 300 thousand rubles to confirm solvency.

To be recognized as a participant in the subprogram and having sufficient income, a young family submits the following documents to the housing accounting and distribution department of the district administration (or to the MFC):

1) application in the prescribed form in 2 copies;

2) documents confirming the solvency of the young family;

3) identity documents: passports (pages: identity, registration at place of residence, marital status, children), birth certificates of children, marriage certificate;

4) notification of placement in the queue for residential premises.

5) documents confirming need (if necessary, for families admitted to the queue for housing more than a year ago).

Copies of these documents must be submitted along with the originals to be attached to the application.

The specified documents are also accompanied by two stamped envelopes with a completed return address of the recipient (the address of the place of residence of the young family is indicated).

The application and attached documents are reviewed by the administration within 10 working days, after which the young family is notified of the decision by a simple letter by mail.

Grounds for refusal: the age of the spouses (or one spouse) exceeds 35 years, the right to receive a subsidy under the subprogram has been previously exercised, insufficient solvency, the information provided in the documents does not correspond to reality.

Applications from young families to participate in the subprogram are accepted throughout the year, admission ends on May 29 of each year, and resumes after June 1 not for the next year, but for the second subsequent year.

By June 1 of each year, the district administration forms a Consolidated List of young families participating in the main event of the next financial year. The list is being formed based on the time of application on recognition of a young family as a participant in the main event and having sufficient income. First of all, the list includes families who were on the waiting list for housing before March 1, 2005 and families with three or more children.

After approval, the district administration transfers the Consolidated List to the Ministry of Construction, Architecture and Housing and Communal Services of the Chuvash Republic to form a general list for the Republic of Chuvashia. Changes to the list are not allowed.

The list is published on the official website of the district administration; subsequently, the young family can track the dynamics of movement in turn on the website. We ask you to pay special attention to those families who do not fulfill the obligation to undergo re-registration. Administration employees are faced with a situation where young families do not submit information to the administration on time (or even for a long time - more than 3 years) about changes in family composition, place of residence, or changes in telephone numbers for communication. In this case, even the fact that a young family is included in the List does not entail a decision to issue a Certificate, since it is not possible to find such a family. Please remember this. List of documents for re-registration:

Third stage. Participation in the program, purchase of housing.

The consolidated list of young families, after approval by the district administration, is sent to the authorized executive body of the subject of the federation (Mingradstroy of the Chechen Republic), from where, together with the consolidated lists of other districts and cities, it is sent to the authorized federal authority to determine the amount of funding at all budget levels.

Social benefits are formed from funds from three budgets: federal, republican, local. The amount of funding is determined based on the limits of all budgets. According to the amount of funding, lists of applicants for participation and a reserve list are formed from the Consolidated Lists of districts and cities. Young families included in the list of applicants will become recipients of social benefits and will receive a certificate of entitlement to receive it from the district administration. Young families included in the reserve list will be able to receive the payment only if, for some reason, the young families included in the list of applicants refuse to receive the payment.

Important note. Unfortunately, funding is not complete and does not amount to 100% of the number of young families applied for, so the number of young families included in the reserve list is usually larger than the list of applicants. Remember, if your family has not received social benefits this year, you do not need to submit an application for the next year; your family will automatically be included in the next year’s subprogram.

Participation in the subprogram.

Before the opening of the subprogram, young families included in the list of applicants are notified by the district administration by simple mail about their participation.

To obtain a certificate of entitlement to receive social benefits, young families submit to the administration documents confirming solvency and need.

Solvency is determined at the time of issuance of the Certificate, taking into account the increase in the cost of 1 sq.m.

Grounds for refusal to issue a certificate: insufficient solvency of a young family; exclusion from the queue for housing, failure to submit documents on time, a family member reaching 36 years of age.

After receiving the certificate, the young family begins to search for residential premises to purchase. The residential premises must meet the following conditions:

1) the total area of ​​the premises is at least 14.5 sq.m. for each family member per family (excluding balconies): 29 sq.m. for a two-person family, 43 sq.m. for a three-person family, 58 sq.m. for four people families; 72.5 sq.m for five people

2) the residential premises are registered as common shared ownership all members families (spouses, children);

3) the residential premises must be located within the Chuvash Republic.

Issuance of a certificate, payment of the cost of living space

Within 10 days from the date of crediting budget funds allocated by the federal and republican budgets for the implementation of the subprogram to the accounts of the local government body, the district administration, they are issued to young families, included in the list of applicants, certificates of entitlement to receive social benefits.

The amount of social benefits is calculated at the time the certificate is issued.

The certificate indicates the members of the young family, the amount of social benefits, and the validity period of the certificate.

The certificate is valid for 7 months from the date of issue. Within a month, the young family must submit a certificate to an authorized bank to open a blocked account. If the young family does not submit certificates to the bank after two months, the certificate is considered invalid.

Within 3 days from the date of submission of the certificate, the authorized bank opens a blocked account for the young family and enters into an account servicing agreement with the family.

After this, the young family submits copies of documents in 2 copies to the district administration:

1) certificate of entitlement to social benefits;

2) agreement on servicing a blocked account;

3) certificate of TIN of the spouse (or single parent) for whom the blocked account is opened.

Young families enter into a purchase and sale agreement for residential premises.

After receiving the purchase and sale agreement and certificates of ownership from the Registration Service, the young family submits these documents to the bank branch where the blocked account is opened.

The bank conducts a legal assessment of the transaction (5 working days), and, if it recognizes it as eligible, sends an application to the district administration for the transfer of budget funds (3 working days). Upon receipt of the Application from the bank, the district administration begins the procedure for crediting budget funds (10 days) to the young family’s bank account. After which the funds from the young family’s account are transferred to the seller of the residential premises.

From this moment on, the young family is considered to have taken part in the program and is excluded from the queue for housing at the district administration.

Note

For those wishing to build an individual residential building.

You need the following documents:

Documents on the right to own (use) a land plot for the construction of a residential building;

Permission from the local government for the construction of a residential building (issued by the local administration at the location of the land plot);

Residential building construction project;

Construction estimate;

Certificates of acceptance and transfer of completed work;

Contracts for the purchase of construction materials.

Inquiries by phone. 23 52 04

Lawyer's answer (Mikhail Alexandrovich I.)

It can be better Arranges Like

At all times, young people belonged to the socially vulnerable segments of the population. Professional and life experience is small, salaries and savings usually want to be much better (if they exist at all). And if a marriage has been concluded and even, perhaps, a child has been born, then, of course, she simply needs help and support!
The most pressing problem for some, a very significant problem that a newly created family first faces, is the housing issue, and to put it bluntly, it is the lack of their own housing. The reason for such circumstances is banal - the modest financial capabilities of the young spouses. What kind of assistance from the state can young spouses expect?
Supporting a young family with special programs
At the moment in Russia, fortunately, there are several government programs aimed at providing financial support to young spouses (with or without children), and their implementation is a significant help to young married couples in solving the housing problem.
It is no secret that young people have the most difficulty understanding the intricacies of laws and regulations due to their inexperience. In this material we will try to highlight the state federal program “Young Family” and help young spouses become participants in this program, which is valid until 2015.
The purpose of this program is to pay its participant a subsidy of a fixed amount for the purchase of housing. In each region, regional or regional administrations issue decrees (orders) that regulate the actions of the Program in a specific locality. Since the amount of the subsidy due is “tied” to the average market value of a square meter of living space, its value is not constant throughout the Russian Federation. In addition, factors such as childlessness or the birth of a child (children) in a young family are taken into account.
Conditions for participation in the popular state program “Young Family” for 2013, 2014, 2015
Young spouses can become participants in this program, that is, receive a subsidy (subsidy) to improve their living conditions, if the following requirements are met:
The young spouses are citizens of the Russian Federation.
The age of the husband and wife must not exceed 35 years of age.
The family in question must be recognized by the relevant authorities as needing to improve their current living conditions in the prescribed manner, that is, they are or will be re-registered (in line for the said improvement of living conditions), respectively, with the administration of their locality.
Neither of the young spouses should have their own home.
The family's income or savings must be sufficient to pay part of the cost of the purchased housing (in excess of the subsidy amount).
The amount of the subsidy due will be higher if there is a child(ren) in the family.
Methods to confirm solvency
It is important to emphasize that the subsidy is issued free of charge. However, young spouses must confirm that they have sufficient income or other funds necessary for the subsequent (in excess of the subsidized amount) payment of the cost of the purchased housing.
You can do this in the following ways:
or providing a copy of the bank account of one of the family members (from any bank), this can also be a certificate issued by the bank;
or provision of a guarantee, notarized, obligation of an individual or legal entity to issue the required amount after participants in the program receive a certificate (certificate) of the right to receive a subsidy;
or providing a copy of the agreement on the loan of funds and a copy of the receipt for the payment of borrowed funds by legal entities or individuals.
How to use the subsidy received under the program
The financial assistance provided by the program is targeted. It is aimed at improving living conditions, so it can only be used to solve a housing problem:
building a house or buying an apartment;
participation in shared construction of residential premises;
down payment to a housing construction cooperative (HCB) and registration of ownership of an apartment;
repayment of debt on a housing loan (including mortgage) that was issued earlier;
down payment when taking out a mortgage loan for a home.
Procedure for young spouses
To find out all the requirements necessary to apply for a subsidy in your region, you need to contact the administration of the locality where the young spouses are registered and live.

Stage 1. The program participant (family) undergoes the procedure for being recognized as needing to improve the quality (i.e., improvement) of their current living conditions. The application and certificates of Form No. 9 must be reviewed by employees of the housing registration and distribution department of the locality administration. Those young families who were previously put on a waiting list for improved housing conditions are being re-registered.
Stage 2. Registration and receipt of the relevant certificate.
Stage 3. The procedure for confirming the solvency of a young family. Of course, both spouses must have stable incomes or accumulated funds, since the amount of subsidized assistance does not allow them to completely solve the housing problem.
Stage 4. Submitting an application and a package of necessary documents for participation in the state. program with the self-explanatory title “Young Family”.
Stage 5. Selecting a residential premises, as well as a partner bank.
Stage 6. Obtaining a subsidy certificate and concluding a purchase and sale agreement for residential premises.
Stage 7. Providing the received certificate to the bank. The partner bank, in turn, opens a bank account where funds will be received for program participants.
If the due subsidy (social payment) to the young spouses is transferred from her bank account to the account of the seller of the residential premises, then from that moment the family is considered to have taken part in the Program and is excluded from the queue for improving the quality of housing conditions in the administration of the locality.
Package of documents for participation in the program
At stage 4 you will need a package of the following documents:
Application in standard form in two copies.
Copies of spouses' passports.
Copies of birth certificates (if they exist, of course) of children.
A copy of the marriage certificate (there must be one).
Certificate of registration of persons for the necessary registration (queue) regarding the improvement of living conditions.
Bank certificate about the balance of debt on a housing loan or mortgage agreement, if any agreements were concluded previously.
Copies of documents are presented along with the originals.
After choosing a residential property and a partner bank (stage 5), the young spouses present copies of documents for housing under construction and a copy of the agreement with the bank.
Additional information about the Young Family program
As part of the federal state program “Young Family,” regional and city programs with the promising title “Affordable Housing for Young Families” have been developed and operate. The terms of these documents have some differences, primarily related to the amount of the subsidy due. Be careful, as banks began to create similar Programs, but without government support, trying to increase the number of their clients.
It should also be emphasized that the Young Family program does not provide a mortgage loan! It provides for the issuance of subsidies and material assistance intended to improve living conditions. This assistance is targeted and cannot be used to purchase a car, household appliances, etc.
Under no circumstances (this is very important to understand) is a free subsidy given to a young family given in person (cash), but transferred to the family’s bank account.
Quite often, this program is confused with the “Young Family” mortgage programs that are currently in effect. These are completely different events, so be careful, a mortgage means a loan - a targeted long-term loan with subsequent payment on time. This article was about a free subsidy (subsidy) to a young family from the state to improve their living conditions.
Persons who live in a so-called civil marriage that does not have official registration cannot rely on subsidies intended for young families. Single-parent families (with one parent and a child) can take full advantage of this program.
As for choosing a partner bank that will help you take advantage of government financial assistance, we would recommend Sberbank of Russia, which has been working reliably in the interests of a young family in recent years.

Lawyer's answer (Alexander Andreevich)

It can be better Arranges Like

There is a program for 2016, but you are participating in the real one. Don't worry, it's just a name. In order to secure the contract, you need legal advice

Elena

Hello! Can a family that is expected to welcome their first child in January 2017, that currently does not own residential premises, but plans to purchase an apartment in the near future, can count on assistance from the state under the Young Family Affordable Housing Program (“Housing”; “ Housing for a young family") as further repayment of a loan or mortgage? Both spouses are under 35.

Lawyer's response (Duty lawyer)

It can be better Arranges Like

theoretically this is possible, but it is desirable that each spouse has no property, as well as registration in the same region of the subject.

Julia

Hello, I have a question, our apartment burned down 2 years ago, which was in a social network. We were hired, a fire occurred in our apartment, the housing was declared unsuitable for living, but we were told that we would not get housing, since they were the culprits, I wrote a letter to the president on the website, all this time we were saving for the down payment of the mortgage, as it is clear to us they made it clear that they would not give us anything, today we came to stand in line to help a young family, we met with the same woman who refused us, she said why did you complain to the government, you were provided with housing, we have been waiting for you for a year, you they didn’t come, they refused, you received all the notifications, but we didn’t receive anything, no one called us, it’s not clear where it all came from. She said that they waited for us for a year, and then deregistered us! And now we can’t apply for housing! She suggested that my daughter and I check out of that housing and register with my husband and mother, in 29 kV, and go as help to a young family. In this regard, I have the following question: can we restore the right to an apartment that was provided to us, as it were, which we didn’t even know about, because we didn’t write written refusals, didn’t sign anything, a 6-year-old child is registered in the burnt apartment, we kind of homeless people are considered, help me tell me what to do

Today, for any young person, the housing issue is considered a real catastrophic problem, for which there is not even a small minimum of funds to solve it. Of course, previously, young people were given their own home as a wedding gift, but now such gifts have become, to say the least, unrealistic. It is because of this that young families have to face the problem that they simply have nowhere to live and they also need to deal with it on their own. As it turned out, everything can be solved in this case only by someone who knows a sufficient amount of important information for this. For example, at the moment in the Russian Federation there is such a preferential program as “Young Family”, thanks to which newly-made families can actually receive some subsidies, with the help of which they can relieve their financial situation a little and collect the necessary amount to buy a home.

What benefits do program participants receive?

The young family program 2016-2020 was developed and introduced in order to slightly improve the housing issues of newly-made families, securing their financial side of the issue in the current society. It is worth noting that the announced project has been in operation since 2011 and so far the government plans to continue it until 2015. True, in 2016, Russian Prime Minister Dmitry Medvedev said that it was reasonable to continue the declared program for another 5 years.

Any family that wants to directly participate in the declared program will be able to stand in line to receive subsidies that reach 30% of the total cost of future real estate. That is why the decision to extend such a program until 2020 has given many new families the opportunity to actually acquire their own living space. By the way, today at least 170 thousand Russian families are planning to get their own housing.

Conditions for accepting participation in the program

According to many young and experienced representatives of the new cells of our society, the conditions for participation in the “Young Family” program in 2017 have changed significantly, but this is absolutely not the case. Everything remains the same as before, namely:

Outstanding subsidies, subject to adherence to all of the above rules, can be used in 2017 for:
• building your own home;
• purchase of residential premises that are ready for occupancy;
• down payment on mortgage lending;
• contribution to a housing construction cooperative as funds for registering ownership of housing;
• repayment of debt regarding a mortgage loan, if it was issued no earlier than the beginning of 2011.

As a result, all that is required from the family itself in 2017 is to consider all the listed rules and conditions, and if they suit your situation and you are willing to take a risk, then why not try to get a good subsidy that will help you become economically secure.

Who consults on all the rules for such a program?

It is logical that each person may have some additional questions regarding participation in the Young Family program, so it is good to know who to contact with them. To do this, you can go to the official website of the government agency. This is where you will find complete information regarding the exact rules for participation in the noted program that are currently in effect, as well as a list of some conditions. Otherwise, you can always turn to an experienced lawyer who can not only explain everything clearly and intelligibly, but also show possible prospects for participation in such a program in the near future. During such a conversation, you can also ask any other additional questions that will help you look at this entire program more realistically.

Necessary documents for restaurant participation in the program

The opportunity to join the queue to receive the noted subsidy is formalized by the district administration, or more precisely, the housing department. But before you contact this body to carry out all the necessary steps, it is worth preparing in advance a whole package of documents required for this process.

1. A special statement, which must be written according to the test sample in two copies. In this application, both spouses must explain as concisely and clearly as possible for what purposes they will use the subsidy for the development of their own family. Such a statement must be signed by both spouses, and one of them is then returned to them.

2. Copies of the passport of the Russian citizen of the husband and wife, as well as copies of the birth certificate of all children, of course, if such exist.

3. A copy of the marriage certificate, although if your family is considered incomplete, then this item is not at all necessary.

4. All documents that can confirm the income of family members. The submitted documents must contain information confirming the spouses’ ability to constantly pay the mortgage within the strictly allotted time. Such documents can be requested at the place of work, where detailed information about monthly income is provided, as well as indicating all social benefits or a bank statement indicating the amount of your own account.

5. An extract from the house register, about the composition of the family members registered there.

6. All information about where the family has lived over the past 7 years. To do this, you can use oral evidence or written evidence.

Along with the prepared package of documents, you will have to contact the appropriate authority. It is worth noting that both spouses or one of them can apply for participation in the program. At the same time, the person who will accept and check the accuracy of all your documents must definitely advise you regarding your future fate after the start of participation in the project.

It is worth noting that with the help of such a program, the Russian government gives a real chance to a young family that has not yet found their feet to get their first real home, and does not constantly worry about where they will have to live if something happens tomorrow. Therefore, it would be stupid not to take advantage of such an offer, especially since all that is required from you is a certain package of documents and the desire to become happier with the whole family at once. Therefore, make up your mind, because you have very little time left and may luck accompany you!

The federal Housing program, developed in 2002, has still not lost its relevance. It allows citizens of different categories to improve living conditions for their families.

Let's look at what has been done during this time. How to get a subsidy for a house? How did the conditions for participants change?

Description of the state program “Housing”

The federal target program “Housing” is national, that is, its activities are implemented on the territory of all subjects. It is aimed at solving housing problems that naturally arise among young citizens and families.

The project is divided into stages. The current one was developed in 2010, approved by Decree of the Government of the Russian Federation No. 1050. This document described the conditions for the activities, sources of financing, and determined the categories of citizens who are entitled to preferential subsidies.

By Resolution No. 889 of August 25, 2015, the Federal Target Program “Housing” was extended for 2016-2020.

This document regulated the creation of subprograms of the above Federal Targeted Program:

1. Modernization of municipal infrastructure facilities.
2. Providing housing for young families.
3. Stimulating housing development development programs in the regions.
4. Providing housing for certain categories of citizens.
5. Fulfillment of state obligations to provide housing to categories of citizens established by federal legislation.

Thus, the Federal Target Program was detailed in order to increase the effectiveness of its activities. In particular, it began to cover a larger number of young citizens.

In addition, the program activates the detail of enterprises shaping the housing market. State funds received by young families should increase demand for houses and apartments. This, in turn, leads to the construction of more livable, environmentally friendly and comfortable spaces.

What do program participants receive?

The problem of providing citizens with housing is one of the most acute today. Buying a home is an expensive proposition that is beyond the reach of most young people.

Participation in the activities of the subprogram to provide housing for young families and citizens established by federal legislation gives these persons the opportunity to purchase their own apartment with the help of the state on favorable terms.

The state will pay part of the funds for them, and the rest of the program participants must find themselves. This can be either your own savings or borrowed mortgage funds.

The state expects to finance from 30 to 35% of the cost of purchasing a house or apartment for young families. For other participants in the subprograms, a cash certificate is also issued for a certain amount, which they have the right to spend only on the purchase of housing. Specific numbers depend on the preferential category and other starting conditions. However, the program participant is required to prove his own solvency. All the money won't pay for it.

The estimated value of the property is taken into account, not the market value.

It is envisaged that part of the loan provided under the state program will be repaid from maternity capital funds.

As part of the subprogram to stimulate the development of housing construction, the state subsidizes constituent entities of the Russian Federation, municipalities and legal entities that have received loans to provide engineering infrastructure to land plots intended for the construction of economy-class housing, the construction of social infrastructure facilities, the construction of highways in new areas, etc. Certificates may also be issued to families with 3 or more children.

As part of the subprogram for providing housing to certain categories of citizens, it is planned to provide housing to such categories of citizens as state civil servants, employees of the prosecutor's office, employees of the Investigative Committee, emergency service workers, etc., as well as the provision of social benefits for the purchase of housing for young scientists . In addition, the program's objectives include completing the construction of dormitories for students and young scientists; resettlement of citizens living in the landslide zone of Ingushetia, resettlement of citizens from residential premises declared unsuitable for living and other socially important tasks. For the purposes of this program, the state annually subsidizes the Agency for Housing Mortgage Lending and Russian credit organizations.

The goal of the subprogram for the modernization of communal infrastructure is to create conditions for bringing the communal infrastructure into compliance with quality standards that ensure comfortable living conditions. The subprogram's activities provide for co-financing from the federal budget for the completion of construction and reconstruction of utility infrastructure facilities.

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What goals does the state set for itself?

The government is obliged to develop all areas of the economy, while taking care of vulnerable citizens. The state program “Housing” meets these criteria. Its goals are manifold.

Briefly in the Resolution they are stated as follows:

1. To create favorable conditions for the development of the market for affordable and comfortable economy-class housing.
2. Containing rising housing prices.
3. Maintaining effective demand for housing.
4. Increasing the volume of housing commissioning and developing the construction industry.
5. Providing government support to citizens in need of improved housing conditions.
6. Fulfillment of the state’s social obligations to provide housing for young families and certain categories of citizens.
7. Integrated development of territories for the purpose of housing construction, including provision of land plots with engineering, social and road infrastructure.

Particular attention in the events is paid to beneficiaries. Priority categories of citizens, except for young families under 35 years of age, are:

• military personnel who retired due to length of service;
• employees of the police, prosecutor's office, investigative committee;
• scientists;
• liquidators of the accident at the Chernobyl nuclear power plant;
• rescuers;
• citizens subject to resettlement from closed military cities, towns, closed administrative territories;
• citizens exposed to radiation as a result of the disaster at the Chernobyl nuclear power plant and the accident at the Mayak production association;
• citizens recognized as forced migrants leaving the Far North;
• citizens living in premises recognized as unsuitable, with a high level of wear and tear, living in the area of ​​the Baikal-Amur Mainline.

By decision of the President of the Russian Federation or Decree of the Government of the Russian Federation, the list of beneficiaries may be expanded or adjusted.

The program is about economy class houses and apartments!

Main criteria for selecting participants

Only citizens of the Russian Federation can apply for a subsidy. The state program “Providing housing for young families” applies to young people under the age of 35; other measures to provide housing do not specify the age of the participants; naturally, they must correspond to the categories that are enshrined in the Resolution in the terms of each target program.

Also, additional conditions may be imposed on participants, such as solvency, because a young family is allocated only part of the funds for the purchase of housing; they must have the remaining amount in a bank account or obtain approval under one of the bank’s loan programs.

Participants in the program to provide housing for certain categories of citizens must only have a place of work or place of registration corresponding to the program in the areas specified in the action plan from which citizens are planned to be resettled.

The requirements for legal entities, municipalities and constituent entities of the Russian Federation are also set out in detail in the previously mentioned Resolution. There you can also familiarize yourself with the criteria for their selection for participation in competitions for subsidies.

Where to contact potential participants

Having decided on his intentions, a citizen must come to the administration of the city (town, village) in which he lives.

In addition, you must have with you the documents necessary to register as those in need of improved living conditions. Applications are reviewed on a commission basis. The government agency is obliged to respond to the applicant within 10 days. The period is counted from the date of submission of the application.

Citizens who can obtain housing due to work or service must contact the appropriate department at work.

Frequently asked questions about participation in the program

The documents indicate that measures to provide young families with housing are designed only for young families. However, an application can be submitted by a single person who falls within the restrictive age criteria. According to the Family Code, he is also a separate unit of society.

It is important to have time to decide on your intentions before the age of 35.

According to the current federal program, the age of each spouse or one parent in a single-parent family on the day the executive body of a constituent entity of the Russian Federation makes a decision to include a young family participating in the activities of a departmental target program in the list of applicants for receiving social benefits in the planned year does not exceed 35 years.

More detailed conditions for participation are outlined in regional programs, which may differ slightly from federal ones in favor of citizens.

However, it should be remembered that there is a clause in the federal program that allows regional authorities to exclude citizens even from already approved lists. It states that if at the time the executive body of a constituent entity of the Russian Federation forms lists of young families - applicants for receiving social benefits in the corresponding year, the age of at least one of the members of the young family exceeds 35 years, such a family is subject to exclusion from the list of young families - participants in the events of the departmental target program in the manner established by the executive authority of the constituent entity of the Russian Federation.

Results achieved

It is too early to say that the main goals of the state program “Housing” have been achieved. The cost of apartments and houses did not decrease, nor did the percentage of young families with satisfactory housing conditions.

Nevertheless, there are some successes. So:

• the share of private housing among Russians is gradually increasing;
• mortgage lending is developing;
• the volume of commissioned housing stock is growing;
• the infrastructure of cities is being modernized through the use of budget funds and citizens;
• The resettlement of citizens from dilapidated housing, emergency housing and from the regions of the Far North is gradually being organized.

The maximum amount of a preferential loan is 3 million rubles, and in the capital and St. Petersburg - 8 million rubles.

Last updated March 2019

The “Young Family” social program has been operating since 2011. It allows married couples to receive subsidies from the state for the purchase of housing. In 2015, by government decree, its validity was continued until 2020, however, with the introduction of certain changes to it in 2016. You will learn about them, as well as the conditions and procedure for obtaining, documents, applicants, and the body that deals with such issues from the article below.

What is the assistance of the Young Family program?

Since this is a state program, young families or single parents with children are allocated money from the state budget, which they can use to improve their living conditions:

1. purchase housing;
2. build it anew for yourself;
3. make a contribution to the housing cooperative;
4. make a down payment on your mortgage.

The allocated funds will be only part of the amount that will be required to carry out such operations. The rest (approximately 2/3) will have to be paid by the family from their own savings or from credit funds received through a mortgage or other means.

What is the amount of assistance

According to the latest changes, the amount of assistance should not exceed 30% of the cost of the purchased housing. However, for families with children this threshold increases slightly - no more than 40%. In exceptional cases (large families, special circumstances), this amount can be 100%, but cases of payment of assistance in this amount are rare.

If you indicate specific numbers, then you should take into account the level of the family’s monthly income (there is a certain minimum, if it does not meet this minimum, the family will not be able to participate in the program at all), as well as the number of people who make up it.

Attention! When calculating the number of people in a family, you should count along with the children.

Example 1. Solovyova N. is a single mother, lives with her son with her parents. She wants to participate in the program, and therefore must confirm her average monthly income of at least 23,950 rubles, since her family consists of 2 people - she and her son. That is, she alone should receive a month (no matter salary, social benefits or profit from bank deposits) - at least 23,950 rubles.

Example 2. Rakitin N. and L. recently got married, they do not have children yet, but they also want to buy a home. They must submit a certificate from each of them from their place of work (or other certificate) stating that each of them receives more than the amount so that their income is 23,950. This does not have to be the amount - 11,975 rubles (half of the specified amount), since one of the spouses may receive more, and some less. The main thing is that their total income ultimately exceeds the amount of 23,950 rubles.

Attention! If during the process of participating in the program, a child was born into the family or was adopted, then such a family may qualify for an additional 5%.

Conditions for participation in the affordable housing program for young families in 2016

Those persons who, having read all the conditions of the “Affordable Housing for Young Families” program, understand that they comply with each of them, can apply for participation in this program.

1. Living space is less than the minimum. This means that there are actually fewer square meters of living space per person in your family than is established by local authorities for your region. The minimum living space standard is established by the Housing Code and is equal to 12 m2. However, constituent entities of the Russian Federation can change it at their own discretion by issuing relevant acts. For example, in Irkutsk and Samara it is 15 m2, in Moscow it is 18 m2. You can obtain accurate information for your region from the local administration in the department of housing policy and housing stock.

   Example 3. The Karpov family of three (husband, wife and one-year-old child) lives in Samara in a one-room apartment with an area of ​​29.6 m2. If you calculate how many residential meters there are per person, it turns out that 29.6 m2/3 ≈ 9.9 m2. This is lower than the established norm in Samara - 15 m2. This means that the Karpovs can apply for government assistance under the Young Family program.

2. The age of each spouse is from 18 to 35 years. It is important to know that age is taken into account when you apply, and not later when the certificate is issued. That is, those who became participants in the program at the age of 34, and when they waited their turn, turned 35, still have the right to receive the required assistance.
3. The monthly income for the family must be at least:
   • RUR 23,950 – for a family of two people;
   • RUR 32,561 – for three;
   • RUR 48,020 – for four.

   These figures will have to be confirmed by a certificate from your place of work or a certificate of receipt of social benefits, or a bank account statement. Thus, only those who can essentially afford to pay 70% of the cost of housing out of their own pockets can take part in the program.

4. Russian citizenship for all family members. And for children too.

Has no meaning:

• presence of children (they may not exist).
• how long ago the marriage was concluded (the concept of “young family” refers to the age of its members, and not to the duration of legal marriage).

Where to contact

To the local administration at the place of registration or place of residence. In the administration, these issues are dealt with by the Housing Division/Management/Department. At different times and in different cities it may be called differently, but the essence does not change: each administration has a separate structural unit that deals with housing issues, including the implementation of this program.

Documents to be collected

Before you start collecting documents, it is better to go to local authorities and clarify the list, since in some regions it may be supplemented with other papers.

Submitted documents - what next?

Next, the documents are reviewed and studied. Program participants will learn about the decision made on their application by mail - they receive a written notification. Usually the waiting period is 10-15 days. If after 15 days nothing has arrived, go and find out in person.

This federal program is implemented on a funding basis, that is, at the beginning you will be put in line with the same families who participate in it. Later, when the funds arrive and it’s your turn, you will be given a certificate and money will be credited to your account. Then you will be able to use them at your discretion, but within the framework of the goals of the program.

Mortgage according to the program

The 2016 housing program for young families provides the opportunity to take out a mortgage loan. This is the most affordable option of all for a young family, as it allows you to buy real estate without having your own savings to pay the remaining cost.

A mortgage implies lending against collateral, that is, the collateral will be the purchased housing, which, being the property of a young family, nevertheless cannot be sold, rented out, etc. without the bank's consent.

You can take out a mortgage for housing under the “Young Family – Affordable Housing” program (or simply “Young Family”) at any partner bank. The latter, in turn, provide reduced interest rates for participants in this program. To take out a mortgage, you will need to provide a certificate and make a down payment, but first, show the bank the selected property so that it can evaluate it.

In principle, the procedure for applying for a mortgage under the “Young Family” program, as well as its further payment, is no different from typical cases, but there are still several points:

1. Having a subsidy payment certificate gives you a chance to get a mortgage at a lower interest rate;
2. the amount for which a mortgage loan is issued should not exceed 2.2 million rubles (these are the terms of the program).

Changes in program conditions in 2016 (comparative table)

According to the new rules, only those participants who submitted an application later than January 1, 2016 will spend targeted funds. The rest - even those who are in line, waiting for the transfer of budget funds - will manage the money received according to the old rules.

If you have questions about the topic of the article, please do not hesitate to ask them in the comments. We will definitely answer all your questions within a few days. However, carefully read all the questions and answers to the article; if there is a detailed answer to such a question, then your question will not be published.

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