What are the benefits for young families?

Many young families need help, especially with the advent of the child, so they have special benefits. They are fixed legislatively. To use them, you need to know how to get them right. Benefits for young families are provided if they have proof of their situation, for example, the appearance of a child.

The concept of a young family

In the legislation of Russia there is no concept of "young family". As can be seen from practice, marriage is young if its duration is not more than 3 years, and a mother or father under 30 years old has 1 child under 18 years of age. If the upbringing of a minor is carried out by a single parent under the age of 30, then he is included in this category.

Benefits for young families - help from the federal and regional budgets, which allows you to provide a couple and a child necessary for a comfortable life. In many families, problems arise, such as low wages or the lack of separate housing. And thanks to the social policy of the state, you can get rid of many difficulties.

Types of benefits

As such, there is no help for young families in Russia. But if they bring up three or more children, they are entitled to receive benefits:

• Housing (issuing a free apartment, land);
• Social (benefits, discounts on utility payments);
• Medical (drugs, nutrition, examination);
• Tax (return of personal income tax);
• Transport (exemption from transport penalties).

What benefits are provided for a young family with and without a child? She is given a subsidy for the purchase of an apartment, obtaining a land plot. You can also use mortgages with lower interest rates than for many other social groups.

Acquisition of housing

If the family has no children, then there is the possibility of obtaining:

• Subsidies in 35% of the price of the apartment;
• Mortgages under the program "Young Family";
• Social mortgage.

Has the advantage of a young family with a child. Benefits are the receipt of a subsidy for the purchase of real estate at a rate of 40%. It turns out that housing will be very profitable.

Repayment of mortgage

What are the benefits for a young family in this area? There is an opportunity to join the state program "Young Family". They are offered by many banks. Maternity capital can serve as a partial mortgage payment, so you only have to repay the balance.

Under the program, spouses under the age of 35 have the opportunity to receive from the state a subsidy, which is used to pay for real estate. Local authorities must calculate the price of housing, which is purchased by the family, given the average cost in the region. Such benefits provide an opportunity to receive a subsidy of up to 70% of the cost of housing.

Mortgage

Benefits for housing for young families are provided in the form of mortgages with low interest. The services can be used at any commercial bank. They are issued by Sberbank, VTB 24 and other institutions. The rate varies within the limits of 12-13%, and the crediting period is 30 years.

The maximum amount of the loan differs in the regions. For example, in Moscow and St. Petersburg it is 15 million rubles, and in the remaining cities - only 8 million rubles.

Maternal capital

Maternity capital is the state support of families with children. The program has been in operation since 2007, and it is distributed not only at the birth of its child, but also with the adoption of the second and subsequent.

By law, maternity capital can be spent on the following:

• Improvement of living conditions;
• Education;
• Health services.

If you consider the benefits to young families to improve housing, the program will pay off a mortgage or another loan that was issued for the purchase of real estate. The maternity capital is intended for reconstruction, repair of the house, participation in shared construction. Funds can be used to pay the first installment of a mortgage.

Real estate construction

The "Young Family" program assumes a subsidy for the construction of a house. It is spent to pay for the services of a construction firm or to compensate for its costs if the work was done on its own.

The size of the subsidy is the same as in the case of the acquisition of housing. With such help, beneficial benefits are offered. Apartments for young families are cheaper. The program is considered universal, as it helps to solve many problems related to improving living conditions.

Communal payments

Benefits for young families are provided in the form of discounts on utilities. They act in cases where:

• For their payment more than 20% of all income is spent;
• The family is considered to be poor or having many children, which is confirmed by documents.

In both cases, a discount of 50% is applied. The amount of benefits depends on the region. Often it can reach 100%.

Other support

If a young family has 3 or more children, then it can enjoy the following benefits:

• Extraordinary enrollment in the kindergarten;
• Receiving free treatment, health improvement, medicines, baby food;
• Discount for kindergarten;
• Free travel by public transport;

Such advantages are offered to low-income families. This allows them to improve their financial situation.

How to start using help?

To apply the benefits to improve living conditions, you need to contact the housing department with the following documents:

• statement;
• Passports;
• The birth certificate of the child;
• Certificate of the composition of the family;
• Documentation from social protection;
• Certificate of income in the form of 2-NDFL.

If a subsidy is required to repay a mortgage, an additional list of securities should be prepared:

• Confirmation of ownership of housing;
• Credit agreement;
• Certificate from the creditor bank.

If the subsidy goes to a share payment, after which the property passes into ownership, then the following papers are needed:

• Documents about the unpaid contribution;
• Copies of constituent documents;
• property rights;
• Certificate of membership in the cooperative;
• Confirmation of transfer of ownership.

Social benefits

To take advantage of social benefits, you must apply for social protection at your place of residence. Such an institution exists in every city. In this case, you need to take with you:

• Spouses' passports;
• A certificate of earnings;
• The birth certificate of the child;
• Confirmation of benefits;
• statement.

On a written application, the need for people to receive benefits is being considered. The documentation confirms this right.

Regional Features

In all regions, there are benefits for young families. They are designed to improve living conditions. For example, residents of Moscow are offered to issue an interest-free mortgage to purchase real estate. In Tver, in addition to guaranteed by the state 40%, with one child you can get another 10% of the price of housing. Benefits are provided with the birth of the baby. As a result, it turns out that the discount is 50%.

In Volgograd, there is an opportunity to receive a benefit of 25,000 rubles, if the baby was born before the mother reached the age of 23 years. This decision was established to increase the birth rate at a young age and the number of young families in the region. In each subject of the country, there are special features of providing benefits. They need to be recognized in local authorities. Federal and regional programs help young families to have everything they need for a normal life.