Where to apply for the Young Family program? What kind of opportunity is this? What is its essence? Who can be the recipient of state support? All the features of such a proposal will be described below. In Russia, active support is being provided to young sections of society. Especially when dealing with housing issues. A "young family" is a good prospect for the majority of the population. But what are we talking about? What does every citizen need to know about this program?
Essence
It's no secret that housing is expensive in Russia. Newly made families are far from always able to purchase a separate apartment for their further residence and development. Therefore, you have to either postpone marriage and the birth of children, or live with relatives. The latter is not reflected in the best way in family relations. Housing issues in Russia often lead to divorce. Not the best phenomenon.
For almost 10 years now, the Young Family housing program has been operating in Russia. Participation in it allows some sections of society to receive a subsidy for the purchase of an apartment or house for living. Thus, families are helped in arranging their own "nest".
The essence of the “Young Family” program is state support to married couples when buying real estate. More precisely, the housing. The subsidy covers from 35 to 40% of the appraised value of a house / apartment under construction. A great program to support new community cells.
Dates
It is important to understand another rather significant point - today in Russia the majority of subsidies and bonuses are offered for a specific time. Therefore, sooner or later, participating in the program will not work. This is quite normal.
The housing program "Young Family" to date has been extended to 2020. No more verified and reliable information. For the first time in Russia, such subsidies began to appear in 2008. Since then, people have been actively participating in the Young Family program.
Should it act after 2020? Not yet known. Therefore, you’ll have to think now where to apply for the Young Family program. What is required for this?
Family composition
To begin with, it remains to be seen who exactly can use the studied prerogative when purchasing an apartment or a house. This is an important question, the answer to which is interesting to all residents of the Russian Federation.
Already from the name of the program it follows that young families can turn to the state for help. But they are different.
Today, a family means almost any person. Most often, childless couples who officially registered relations with the registry office become participants in such state support. In addition, families with children are also entitled to state assistance.
Is the program of support for young families under study available to incomplete sections of society? Yes. One person or single parent may also be an applicant. This is a normal, albeit relatively rare occurrence.
From the foregoing, it follows that:
- the limitation of marriage does not affect the right to participate in the program;
- the presence / absence of children is not taken into account;
- families of any composition can receive state support.
But not everything is as simple as it seems. The thing is that the measure of support for the population being studied turns out to be only young cells of society. Who is understood by such citizens?
The concept of "young family"
To understand this is not as difficult as it seems. Often the concept of a young family in Russia is blurry. In some regions, such cells of a society must meet one criteria, in others - others.
Despite this, the state program "Young Family" has the exact wording, which allows to establish which citizens can be considered young. What is this about?
In accordance with the established rules, a young family in Russia is recognized as one in which one of the spouses has not yet turned 35 years old. Such couples can participate in the state support program when buying real estate for living.
What does it mean? In order for the family to receive the mentioned subsidy, it must have one family member (husband or wife) who is not 35 years old at the time of applying for help. After both spouses have reached the specified age, they lose the right to nominate seven as needy.
Main conditions
But this is not all the features that will have to be considered. What else did the Young Family program prepare for the population? The conditions for participation are not limited only to the age of applicants. What other limitations do you need to know?
Among the main conditions for participation in the state support program are:
- the presence of citizenship of the Russian Federation;
- age up to 35 years;
- the family has a stable income;
- recognition of the family in need of better housing.
Accordingly, people who are recognized as simply needy (low-income) will not be able to exercise the right to receive subsidies. It follows that families without regular income can forget about the program. They will not be available to them.
What do they spend money on
You should also pay attention to the fact that social payments under the Young Family program are issued only for certain real estate objects. More specifically, the subsidy can be used:
- when registering a mortgage;
- for the purchase of housing under construction;
- if you want to build your own home;
- upon purchase of a new apartment.
Money can be spent on the secondary, but this is far from the most common phenomenon. Most often, the subsidy helps to make a down payment on a mortgage or pay for an apartment under construction. It should be remembered that when registering after 2011, the secondary will not be covered by the funds allocated by the state program Young Family.
Where to go
Now a little about where to apply for participation. This question is of interest to all potential participants in the target program for supporting young people. It is not as difficult to answer as it seems.
Where to apply for the Young Family program? You can queue for subsidies at the following authorities:
- local government bodies;
- single window service;
- MFC.
As a rule, the last scenario is most often encountered in practice. After the family has applied for a subsidy, it is necessary to wait for a response from the housing authorities. Typically, a decision is made within ten days from the date of submission of the application of the established form. If people have approved the grant, you can get a certificate certifying the right to the subsidy.
The target program "Young Family" allows you to use the allocated money only for 2 months. This means that citizens who have received a certificate have only 60 days to use the money. You must contact the bank to open a blocked account. The allocated subsidy may only be sent for pre-agreed needs.
Documents
And what documents for the Young Family program can come in handy in one case or another? In fact, everything is not as difficult as it seems. The main problem is the proof of the need of the family to improve living conditions, as well as confirmation of a stable income. Otherwise, there are no problems when collecting a package of securities.
It’s clear where to go under the Young Family program.Suppose a company cell plans to queue at the MFC. Then citizens should bring with them:
- application (2 copies);
- labor books of spouses (with certified copies);
- certificates from the place of work of each family member;
- charter of the employing organization;
- Marriage certificate;
- passports of citizens;
- birth certificates of all children;
- documents indicating the income of citizens (form 2-NDFL, for example);
- military ID (for men);
- certificate giving the right to use maternity capital (if any);
- extract from the house book about the composition of the family;
- certificate of participation in the mortgage;
- documents confirming the need for a cell of the company (a special certificate is issued);
- certificates of ownership of housing (from all family members).
Nothing more is needed. This is all that the Young Family program requires from citizens. The conditions for participating in it have already been described. Having prepared the listed list of securities, you can queue for state support of the population.
About the amount of payments
What other information can be useful to people? The program of support for young families in Russia does not cover the entire cost of housing purchased. This has already been said. Often, the exact amount is determined depending on the region of residence of the cell of society, as well as on the number of family members. More specifically, the amount of the subsidy will vary in the presence or absence of children.
To date, childless receive state support for the purchase of housing in the amount of 35% of the value of the acquired property. And if there are minors in the cell of society, you can apply for 40%.
The interest rate in cities of federal significance is slightly reduced. Thus, residents of Moscow and St. Petersburg without children receive 30%, and families with children - 35% of the established housing prices.
Family income
An important point is the income of the cell of society. They, as already mentioned, have a huge impact. If the family cannot confirm their solvency, they will lose the right to state support when buying a home.
Every year, the income needed by the cell of society changes. In 2017, the program for supporting young families requires the following stable cash flows from citizens:
- 2 people - 21 621 rubles;
- 3 people - more than 32 510 rubles;
- 4 people - from 43 350 rubles.
If the family income is less than the established limits, you can forget about the subsidy.
disadvantages
The program "Housing for a young family" has a number of its shortcomings and features. Under no circumstances should they be forgotten. Indeed, sometimes state support for the purchase of an apartment or a house is simply not needed.
Among the main disadvantages of the studied features, the following features are distinguished:
- a constant increase in the queue for the issue of cash;
- the priority is the construction of houses for the middle class;
- the family must have a steady income;
- the maximum amount issued on a mortgage cannot be more than 2,200,000 rubles;
- "secondary" in the program can not be bought;
- when registering a mortgage it is impossible to be full owners of real estate until full payment to the creditor.
It follows that the target program "Young Family" has not only positive aspects, but also negative ones. Some people face the challenge of recognizing the need for better living conditions. When it's possible?
About improving living conditions
Now a little about the circumstances under which you can queue for an improvement in housing conditions. This, as already mentioned, is one of the most important conditions for the realization of the task in life.
The Housing for a Young Family program requires citizens to have a need criterion. This means that if the unit of society has an apartment, it will be difficult to arrange state support. The lack of need for improvement of housing is the basis for refusing to grant subsidies.
Today, citizens can stand in line for improving housing conditions:
- not owning any residential property;
- if in an apartment owned by a family, each of its members has less than the established minimum housing (18 square meters per person);
- upon recognition of the previous family apartment as dilapidated or unsuitable for living;
- if the property needs reconstruction or major repairs;
- in which the dwelling is considered uncomfortable for living.
For queuing, you must contact the city housing authority. There, after submitting an application and a certain package of documents (it almost completely coincides with the previously proposed list), citizens will be issued a certificate of registration as a family that needs to improve their homes.
Summary and Conclusion
From now on, it is clear what the state program “Young Family” represents. This is a good opportunity to get support when buying a new home. With its pros and cons. It is guaranteed to all young families with a stable income, subject to need. Therefore, not everyone can hope for a subsidy.
In addition, we became aware of where to apply for the Young Family program. Documents are submitted to the housing administration or to the MFC, after which they are considered by the city authorities. Then, within 10 days, a decision is made on the allocation of money from the state budget. If all of the above conditions have been met, you can hope for help from the state.
As already mentioned, so far the state program "Young Family" has been extended until 2020. Therefore, all potential participants should hurry up with the submission of applications. Otherwise, you can simply lose the right to participate in supporting the young population of the Russian Federation.