When creating families, young people face a lot of difficulties. Solving them all at once is very difficult, and sometimes even impossible. Some help parents, others work in two jobs to purchase housing and furnish it with everything necessary. Of course, these difficulties make many wait a while with the birth of a child. But in Russia there are special programs that are aimed specifically at helping young families. What are the benefits in this case? How to arrange them? What do you need to get them? These issues concern a large number of people. The answers to them will be given in this article.
It is important to understand that benefits are granted only if the family meets the requirements specified in the legislation. For example, benefits for young families with children will be possible only after confirmation of the fact of the birth of the child. This state program, however, like others, has its own characteristics and subtleties, with which only a few are familiar. Therefore, if you want to use the benefits, study the information below in detail.
"Young family". Is there such a concept in the legislation of the Russian Federation
Does such a concept as a “young family” exist in Russian law? In order to answer this question, you need to contact lawyers. They say that the law does not spell out a clear concept of “young family”. However, there is a certain category of people that can receive such a status. These include newlyweds who married no more than three years ago. There are also age restrictions. If the family has a minor child, and one of the spouses is not yet 30 years old, then they can use the benefits. Those who raise children alone fall into the category. In this case, the same age restrictions apply.
The Russian government has specially developed a number of benefits that help provide spouses and children born in wedlock with a comfortable life. For this, a certain amount is allocated annually from the budget, both regional and federal. It is consumed strictly for its intended purpose. What benefits are provided by the state? Let's get it right.
What types of benefits are there?
What benefits does a young family have rights to? As a rule, most state aid is designed for people raising three or more children. It is important to note that they must all be minors. Such families have the right to apply for the following benefits:
- Housing. Spouses are provided with land shares or housing (apartments) for free.
- Medical. Members of such a family have the right to a free examination, the issuance of drugs, and even food for children.
- Transport. If the family has a car, the spouse will be exempted from taxes.
- Social. After filing documents, benefits are assigned, and discounts on utility bills can also be provided.
- Tax. The state returns income tax (PIT).
Based on the above, it can be concluded that such assistance, which is provided by the state, can save a young family from most difficulties. For example, take a mortgage on preferential (low interest) grounds or use a subsidy to pay for housing. Note that it is such a saving that will allow many to live, although not richly, but more or less comfortably.
Housing
Benefits for young families are not only granted if they have children. You can get help even without a child. Basically, it is aimed at acquiring housing.What benefits are provided by law?
It:
- The Young Family program offers favorable mortgage terms.
- Payment by the state of up to 35% of the price of the apartment.
- Social mortgage with a loyal interest calculation policy.
Of course, young parents can count on these benefits. Such a family has more advantages, for example, when buying real estate, the percentage of subsidies can reach 40.
Mortgage repayment benefits
It is simply impossible to imagine a comfortable life without an apartment or a house. Not every person is able to buy a home in a year or two. It is for this reason that most people apply for a mortgage. But what if the salary is not enough to pay it? In this situation, benefits will help young families. For example, you can use maternity capital. It is enough to pay a certain part of the mortgage, and the spouses will only have to pay the balance.
Many banks operate under the Young Family program. According to her, the state allocates a subsidy that covers part of the value of real estate. The calculation of the amount is made by local authorities. They take as a basis the average price of housing in a particular region. Thanks to such benefits, you can save up to 70%.
Mortgage as a type of benefits
Among other things, a young family and mortgage benefits are provided. What does this mean? Spouses purchase housing on credit on fairly favorable terms. You can apply for a mortgage at any bank, and commercial ones are no exception. As a rule, for a family that enjoys benefits, the credit rate will be about 12-13%. You can conclude a contract for up to 30 years.
Loan size varies by region. For example, in large cities, such as the capital, it can reach 15 million rubles, but in the region - up to 8 million.
Real Estate Construction
Benefits for young families are given not only for the purchase of housing, but also for construction. The program will provide a subsidy that can be spent on the services of a construction company, or to compensate the spouses if they performed all the work on their own.
The amount of state aid will be the same as in the case of the purchase of real estate. This program is universal. It not only eliminates many problems, but also allows you to significantly improve housing conditions.
Maternal capital
What are the benefits for a young family with a child? The main state support is maternal capital. This social program was adopted in 2007. Participate in it can not only couples who had their own baby, but also those who adopted. However, in the latter case there are some subtleties. Maternity capital is issued only with the adoption of a second and subsequent child.
This state aid cannot be spent at the discretion of the parents. It is intended for special purposes. These include education, housing and health. In 2017, the amount of capital amounted to 450 thousand rubles.
Communal payments
What other benefits are assigned to young families? Everyone who falls into this category has the right to apply for a subsidy for utility bills. Discounts will be provided only if the payment of housing exceeds 20% of total income. Also, importantly, the subsidy is assigned to those who have the official status of a large or poor family.
If after submission of documents a positive answer was received, then assistance will average 50%. Less often, it can reach 100%, but everything will depend on the region.
Other types of support
What benefits are provided to a young family if it brings up three or more children? In addition to the above, the state provides assistance in the following matters:
- Enrollment of children in the kindergarten is carried out out of turn.
- In public transport, travel is not paid.
- The whole family receives free treatment, and they are also given medication free of charge.
- Kindergarten services are paid at a discount.
Not only large families, but also the poor can count on such benefits.
How to become a member of the state program?
Now we will consider what exactly is necessary for registration of the privileges put to young families. First of all, you need to collect documents. Their list will vary depending on what kind of help the newlyweds are counting on.
Home Improvement:
- Make a statement.
- Present the original passports of the spouses.
- Birth certificate of children / child.
- Copy and original certificate, which indicates the composition of the family.
- Documents from the social protection authority, where improvement of housing conditions is recommended.
- Form 2-NDFL issued by the employer.
Mortgage repayment:
- Loan agreement.
- Documents confirming the rights to the acquired property.
- Certificate from the bank where the loan was issued.
Repayment of the share fee:
- Documents showing debt.
- Certificate confirming membership in the cooperative.
- An agreement on the transfer of property rights to spouses.
- A document from a cooperative confirming the transfer of ownership.
Having collected everything you need, a married couple needs to contact the housing department.
Registration of social benefits
What is needed in order to arrange social assistance?
- Statement.
- Certificate of Income.
- Passports of spouses.
- Birth certificate of children.
- Documents confirming the status of a (large, poor) family.
Features of regional benefits
In addition to the basic benefits, the Russian Federation also provides for regional benefits. They are specially designed as additional assistance and are distributed specifically by local authorities. For example, in 2017, a program was launched for Muscovites, according to which it is proposed to register housing in a mortgage on favorable terms (interest-free loan). In Tver, the local authorities provided young families with a subsidy of 50% for the purchase of housing. You will be able to take advantage of this privilege from the moment a child is born. Pretty good support is given to young mothers living in Volgograd. If they are not yet 23 years old, then the local authorities prescribe a birth allowance for the first baby in the amount of 25 thousand rubles. More details about regional benefits can be found in local governments.