The acquisition of housing is an extraordinary event for any family, especially for a young one. As a rule, few people become the owners of such a gift at the very beginning of family life, most often the lack of money prevents them from acquiring their own housing. But there are also such stories when the impossibility of obtaining housing is simply due to ignorance of the laws and those preferences that are provided to young families by the state.
First of all, young people themselves should take into account that before you ask yourself how to get housing, you need to observe some conditions.
Firstly, couples in which both spouses are no more than thirty years old have the right to housing with state support.
Secondly, in the place of their residence for each tenant in this housing area, there should be no more than twelve square meters. In these cases, the participation of the state in the provision of targeted assistance in the acquisition of housing for young families is provided. This assistance is being implemented as part of the state program “Housing for Young Families”. It specifically spells out how to get an apartment for a young family, what procedures are needed to do this, and what funds are required for the down payment. The program is financed on an equal footing - from both federal and municipal funds.
In this case, the form of assistance by the state is the provision of a subsidy, and the law provides that it is exclusively targeted and that the funds provided can only be spent on housing. To ensure the correct spending of subsidies, its provision is carried out on a cashless basis. It is possible to use the subsidy as a means of payment at the first installment for shared or cooperative construction or for the construction of a house. The amount of the subsidy for families with children is calculated in the amount of 40% of the declared value; at a rate of 35% - for families who, at the time of filing documents, have no children.
It is important to take into account the following condition: how can a young family get housing? This is possible for this project only if the submission of documents occurs no later than three years from the date of marriage. This condition does not apply to families with children. If the family is incomplete, then there are no restrictions on receiving subsidies if the above conditions are met.
The question arises of how to get an apartment for a young family in the case when, after submitting documents and receiving a subsidy, a child is born. In this case, the law provides for the allocation of an additional amount, the expenditure of which is made on the same conditions as the subsidy, that is, it can be used only to solve the housing problem. The amount of this additional amount is determined by local executive authorities. It is also possible to use this money to repay a loan, provided that the loan is issued for the purchase of housing.
To decide how to get an apartment for a young family under this state program, you need to know some of the restrictions that it provides. First of all, within the framework of the program, only the area is subsidized on the basis that at least 18 square meters will be in the new apartment. meters of housing per one member. Also, before you get an apartment for a young family, you should carefully and pragmatically weigh your financial opportunities in the future, since the program requires non-subsidized 60% (or 65%) to pay on their own. Comprehensive evidence will also need to be provided that the family will be able to fulfill this condition. Otherwise, subsidies may be refused. The same applies to lending on concessional terms.