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

Many are interested in the question of what kind of assistance a young family can receive from the state. The president of the country announces the answer annually when communicating with citizens of the Russian Federation in a straight line.

At the moment, there are a number of government programs that help young families to purchase their own housing - "Maternity Capital" and "Young Family - Affordable Housing".

How to buy your own home?

In the crisis situation in Russia, the issue of housing acquisition is acute. Prices on the real estate market most can not afford. And so young families are forced to live with their parents or wander around rented apartments.

The state program entitled "A young family - affordable housing" gives you the opportunity to acquire your own apartment or house. Under the given program the help to a young family appears at the expense of means of the federal budget. In 2016 30% of the cost of housing is paid by the state, and 70% is personal investment.

To use this offer, you need to contact the 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 younger than 35 years. If the family is incomplete, then the age of one of the parents must also meet this requirement.
• Newlyweds must receive in advance the status of those in need of better housing conditions.
• A family must have at least one child. This factor may not be the main one, but its availability allows you to count on increasing the amount of support from the state.
• The financial situation of the newlyweds should allow payment of the remaining amount of the acquisition (making immediately upon purchase or monthly repayment of the mortgage loan). This paragraph provides for its documentary confirmation.
• The program is intended only for citizens of the Russian Federation.
• Absence of each of the spouses own housing.

Inconsistency at least one criterion excludes the help of a young family from the state.

Opportunities for the "Young Families - Affordable Housing" program

Within the framework of this project, young families are assisted in the following areas.

• Acquisition of own dwelling.
• Improvement of living conditions. A subsidy is provided for capital repairs.
• The possibility of building your own living quarters.
• The program "Assistance to a young family" provides for the repayment of a mortgage loan, the conclusion of a contract of which must be dated no later than January 2011.
• Allows payment of the first installment of a mortgage.

These directions of the program can be amended annually. For clarification they must be addressed to the local government.

Documents for participation in the target project

Of course, this is a very important social program. Assistance to young families involves the provision of a young couple of the following documents.

• Availability of a certificate of inadequate living conditions for living and raising children.
• Information about the incomes of each of the parents, in the case of an incomplete family - one.
• Information on the size of the living quarters, for each family member should not be more than 15 square meters. If this criterion exceeds the established norm by at least 1 centimeter, the application can not be considered.
• Reference about the composition of the family.
• A photocopy of the certificate of marriage. With an incomplete family, respectively, the implementation of this item is not required.
• Photocopies of the passports of both parents (all pages).
• Xerox copies of birth certificates of children.
• In addition, it is necessary to provide information on the financial and housing situation of the family, as well as on the loan, which was registered before January 2011, in cases when the family took a mortgage before the start of the state program.

In addition, this list can be supplemented by the necessary availability of other documents specifically established in the region where the family lives.

Adjustments for 2016

In 2016 the following adjustments were made to this target project, which provides assistance to a young family in the acquisition of housing.

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

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

Counting on the help of a young family in the acquisition of housing can only be legitimized their relationship, because one of the most important points of the program is the presence of a marriage certificate.

Further, young spouses must visit the local administration in order to learn the rules of participation in the targeted state project and obtain a list for the provision of the necessary documents. The next step is to collect the documentation and apply for participation.

It is necessary to wait for the consideration of the documents and, in case of a positive response, to stand in line for receiving state aid. Having received a subsidy, you can do the purchase of a dwelling and the preparation of documents for it.

These simple actions give an opportunity to get state aid to young families and solve their housing problem.

Disadvantages of the "Young Family - Affordable Housing" program

Many people who rely on the assistance of a young family in the acquisition of housing by the state, it seems that by submitting an application, they should immediately receive money. This is far from the case. It is necessary to consider the following nuances:

• The process of reviewing applications takes quite a lot of time.
• The number of families in circulation is constantly growing, and accordingly, from the time of application to the moment of receiving the subsidy, it can take about 2 years.
• Obtaining a subsidy is possible only by officially employed citizens.
• Assistance to a young family from the state varies within the amount of 2,200,000 rubles.
• Citizens who registered later in 2011 do not have the right to purchase secondary market housing.
• When you make a mortgage loan to purchase a real estate, you need a monthly repayment, a young family must in this case correctly calculate its financial possibilities.
• Residential premises are purchased in the region where the application was submitted.
• When applying for participation, take into account age. If at the time of receiving the subsidy one of the spouses turns 35 years old, then the refusal automatically follows.

Other ways to purchase your own home

Of course, participation in the program "Young families - affordable housing" - it's a good thing. But what to do 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 has a living space. In addition, it is possible to use "maternity capital" to purchase housing with three children in the family. Also, the state gives an opportunity to receive land for construction.

If the spouse is a serviceman, you can become a preferential waiting list for getting a state apartment.

The list of necessary documentation may vary depending on the method of purchase of housing. The possibility of using state support is granted once in a lifetime, regardless of the name of the targeted projects.

It should be remembered that there are no desperate situations, you just need to look for solutions. And the state can always come to the rescue.