A huge number of young families are forced to live on the same living space with their parents, because financial opportunities sometimes do not allow them to purchase their own housing. Amid cohabitation, scandals and quarrels often arise. But in order to acquire their own angle, it is not necessary to save money for many years. The state will come to the rescue.
Affordable housing for youth
Young families with material problems can count on help from the state. For many years now, the national program “Affordable and Comfortable Housing for Russian Citizens” has been in place. But not everyone knows how to get money from the state. Many have to live with their relatives or in a hostel for many years.
Unfortunately, not everyone can take advantage of the national program. The main criterion for choosing participants is age. Only citizens of the Russian Federation aged 18 to 35 can receive money from the state. Preference is given to families with children and single parents. If a citizen stood in line for receiving funds, but crossed the line at 35, the right to help is retained.
The region matters
Before receiving money from the state for the acquisition of real estate, it should be clarified whether the region participates in the national program. It is worth noting that a region or a specific city can help young families only if free funds are available in the local budget. If the region is in a difficult economic situation, you will not have to rely on free housing.
Each individual region is developing its own program for providing young families with housing. Local authorities decide how to get money from the state for housing for young people. This takes into account the general development of the region, the average salary of citizens. The regional program cannot contradict the federal one. But here are more loyal conditions for citizens can be presented, it all depends on the capabilities of the local budget. You can find out if assistance is provided to young families to purchase housing in local governments.
Grants from the city budget
In addition to providing free housing, the state proposes a subsidy to improve housing conditions. This money is likely to be insufficient to purchase a property. But it will be possible to make an extension or repair the old house. How to get money from the state? It is only necessary to contact the local authority for social protection of the population. Assistance will be provided if the living conditions of the young family are unsatisfactory.
The amount of the subsidy is determined individually for each family. The cost of a square meter of housing on which the family lives, the number of minor children, and also the economic condition of the region are taken into account. In some areas, young families can receive up to 1 million rubles. This money can be spent both on repairs and on the acquisition of real estate with the addition of own funds.
Maternal capital
Citizens of the Russian Federation who have a second child, including an adopted child, have the right to receive maternity capital. This money can be spent on educating a child or improving housing conditions. The latter option is most in demand. The program has been operating since 2007. If the baby was born earlier, help will not be available.
How to get money from the state when buying an apartment? You must contact the social security service and provide the birth certificate of the second child, as well as documents proving the identity of the citizen applying for assistance. The amount of maternal capital changes annually. This is due to inflation. In 2007, the amount of maternity capital amounted to 250 thousand rubles, and in 2014 this amount reached 430 thousand rubles. You can use the money only after obtaining a maternal certificate. The process of its design may take several months.
Support for teachers
The educational system in Russia cannot be called perfect. The future of the country depends on the quality of teachers' work. At the same time, the salary level of teachers cannot be called high. To improve the situation, in 2011, the program “Assistance to Young Teachers” began. Specialists have the right to issue a mortgage on more loyal terms. The interest rate is reduced, and the term of the loan agreement is also increased.
How to get money from the state? First of all, the teacher must meet all the conditions of the program. This is the age of 35 years, as well as higher education in the subjects that he teaches. The subsidy may take several forms. The state can provide the young specialist with financial assistance in the amount of 40% of the cost of mortgage housing or pay interest on the loan. In the same way, financial assistance is provided for scientists. But the luminaries of science can count on support from the state under the age of 40 years.
Affordable housing for the military
The most favorable conditions for receiving financial assistance from the state are military personnel. Each officer has the right to open a savings account to which assistance will be transferred. At the same time, money does not come in one amount, but is credited over several years. The military rank and unit of troops does not matter. But in order to open a savings account, you must serve at least three years. It is difficult to answer the question of how to get money from the state for building a house for a soldier of military service. Such an opportunity is provided only by the military under the contract.
The soldier cannot use the money that goes into the savings account for any purpose. It can only be the construction of your own home, a down payment on a mortgage loan or the acquisition of real estate in the secondary housing market. Before you get money from the state, you should look for a suitable option. In this case, the chances of getting help will increase significantly.
