Assistance to young families in the acquisition of housing: a program from the state

A lot of people are interested in the question, what kind of helpyoung family can be provided by the state. Answer President of the country annually voiced when communicating with citizens of the Russian Federation in a straight line.

To date, there are a numbergovernment programs that assist young families in acquiring their own homes - this is "Maternal capital" and "Young family - affordable housing."

How to buy your own home?

В период кризисной ситуации в России остро стоит the issue of housing acquisition. Prices on the real estate market most can not afford. And so young families are forced to live with their parents or wander through rented apartments.

State program called "Youngfamily - affordable housing ”allows you to get your own apartment or house. Under this program, assistance to a young family is provided at the expense of the federal budget. In 2016, the state pays 30% of the cost of housing, and 70% is personal investment.

To take advantage of this offer, you need to contact your local administration in order to familiarize yourself with the criteria of the proposed program. After all, not every family has a chance.

Program Criteria

Who can count on social support? State assistance to young families in the acquisition of housing is provided only if they meet the following criteria:

• Spouses must be under 35 years old. If the family is incomplete, then the age of one of the parents must also meet this requirement.
• Newlyweds should get the status of those in need of better housing conditions in advance.
• The family must have at least one child. This factor may not be the main factor, but its presence allows us to count on an increase in the amount of state support.
• The financial situation of the newlyweds should allowpayment of the remaining amount of the acquisition (payment immediately upon purchase or monthly repayment of the mortgage loan). This item provides for its documented confirmation.
• The program is designed only for citizens of the Russian Federation.
• The absence of each spouse own housing.

Non-compliance with at least one criterion excludes assistance to a young family from the state.

Opportunities for the program “Affordable Housing for Young Families”

As part of this project, assistance to young families is carried out in the following areas.

• Buying your own home.
• Improving living conditions. A grant is granted for capital repairs.
• The possibility of building your own residential premises.
• The program “Helping a Young Family” provides for the repayment of a mortgage loan, the conclusion of which contract should be dated no later than January 2011.
• Gives you the opportunity to pay a down payment on a mortgage.

These program areas may be amended annually. To clarify their need to contact local authorities.

Documents for participation in the target project

Of course, this is a very important social program. Helping a young family provides for a young couple to provide the following documents.

• The presence of a certificate of non-compliance of living conditions for living and raising children.
• Certificate of income of each of the parents, in the case of an incomplete family - one.
• Справка о размере жилого помещения, на каждого A family member should account for no more than 15 square meters. If according to this criterion the excess of the established norm is at least 1 centimeter, the application is not subject to consideration.
• Certificate of family composition.
• Photocopy of marriage certificate. With an incomplete family, respectively, the implementation of this item is not required.
• Photocopies of passports of both parents (all pages).
• Photocopies of birth certificates of children.
• Additionally, it is necessary to provide information aboutthe financial and housing situation of the family, as well as the loan, which was issued earlier than January 2011, in cases where the family took a mortgage before the start of the state program.

In addition, this list may be supplemented by the necessary presence of other documents established specifically in the region of residence of the family.

2016 adjustments

In 2016, the following adjustments were made to this target project, which assists a young family in purchasing housing.

• Increase in living space per person. So, in 2011 it was 10 square meters, and now 15.
• Increase in the percentage of state funding with a priority for couples with children (the percentage of assistance may be 40% for a family of 4 people).

The process of registration of subsidies for housing. Where to begin?

You can count on helping a young family to acquire housing only by legalizing their relationship, since one of the most important points of the program is the presence of a marriage certificate.

Next, the young couple should visit the localadministration in order to learn the rules of participation in the target state project and get a list to provide the necessary documents. The next step is to collect documentation and apply for participation.

It is necessary to wait for the consideration of documents andIf a positive response to stand in line for state aid. Having received a subsidy, you can do the purchase of residential premises and paperwork for it.

These simple actions provide an opportunity to receive state assistance to young families and solve their housing problems.

Disadvantages of the “Young family - affordable housing” program

Many people counting on the help of youngfamily in the purchase of housing by the state, it seems that by submitting an application, they should immediately get the money. Far from it. It is necessary to consider the following nuances:

• The application review process takes quite a lot of time.
• The number of families appealing is constantly growing, and accordingly, it may take about 2 years from the moment of filing an application to receiving a grant.
• Receiving a subsidy is possible only by officially employed citizens.
• Assistance to a young family from the state varies in the amount of 2 200 000 rubles.
• Citizens who register on the account later than 2011 are not eligible to purchase housing on the secondary market.
• When you make a mortgage loan for real estate purchase, you must pay it off on a monthly basis; in this case, the young family should correctly calculate their financial capabilities.
• Residential premises are purchased in the region where the application was filed.
• When applying for participation must be considered age. If at the time of receipt of the subsidy one of the spouses is 35 years old, then the refusal automatically follows.

Other ways to buy your own home

Certainly, participation in the program “Young families -affordable housing ”is a good thing. But what should be done to people who did not get into the target project for one reason or another? What help can young families receive? In this case, you can consider other options. For example, if one of the spouses is a young specialist, he is given a living space. In addition, it is possible to use for the purchase of housing "maternity capital" in the presence of three children in the family. Also, the state provides an opportunity to obtain land for construction.

If the spouse is a serviceman, then you can become on the preferential turn of getting a state apartment.

The list of required documentation mayvary depending on the way you purchase a home. The possibility of using state support is provided once in a lifetime, regardless of the name of the target projects.

It is necessary to remember that there are no hopeless situations, you just need to look for solutions. And the state can always come to the rescue.