At present, a very important direction of national policy is the solution of the housing problem and the provision of assistance to young people who have recently married and in need of living space. The state is ready to provide a number of housing subsidies to young families, which can be used when making a contribution to repay a loan on an existing mortgage or to pay for the partial cost of housing under construction.
The state is developing various projects aimed at supporting young families. It provides an opportunity for poor families to get their own housing, which will provide favorable conditions for living, as well as the birth and upbringing of a child. A set of measures supporting newly-made marriages is established by law in special programs, among them the most popular is the housing program for young families. It was adopted in connection with the aggravated demographic situation in the country and is aimed at increasing the population of the state.
Conditions for obtaining
Not all families can participate in the housing program. Only families falling under certain conditions can receive state support. The housing program "Young Family" provides the following criteria for obtaining the right to material assistance:
- The age of each spouse should not exceed thirty-five years.
- A young family should have a regular source of income to pay off state mortgages. But there may be savings for making an apartment purchase.
- In order to receive state assistance, a young family must have the status of requiring housing.
If the conditions are not fulfilled, the state has the right to refuse to provide housing assistance to young families.
"Young Family" - the national Russian program
The federal housing program "Young Family" was approved for 2011-2016 by a decree of the Government of the Russian Federation. In 2016, it was extended to 2020.
This allows you to solve the problem with the population of the country, as well as other tasks:
- The solution of demographic problems in the Russian Federation.
- Decrease in social tension.
- Helping young families with apartments and houses.
- Revitalization of mortgage lending.
Over the indicated period, it is planned to provide housing for about 170 thousand families, having spent at the same time 320 billion rubles of budget funds.
Housing Support Program for Young Families assumes the following share of public funds allocated:
- Childless families receive a 35% subsidy. The minimum budget of a young family, the composition of which does not exceed 2 people, must be at least 21 thousand rubles. Payments in this case are almost 600 thousand rubles.
- Families with children already have a 40% subsidy. The minimum family budget of 3 members should be more than 33 thousand rubles, and consisting of 4 - at least 43 thousand rubles.
When adopting or giving birth to another child, an additional 5% subsidy is provided.
Another state housing program "Young Family" provides support for large families. Depending on the place of residence, certain financial assistance is allocated, which, together with other measures, serves as comprehensive support for young families.
Housing program “Young Family - Affordable Housing”
Another federal program is Young Family Affordable Housing. It was adopted to provide the solution to the following tasks:
- Improving the comfort of housing.
- The formation of the economy class housing market in the Russian Federation.
- Improving the quality of life in the country.
This program implements a national project “Affordable and Comfortable Housing for Russian Citizens”.
The project “Young Family - Affordable Housing” means the provision of subsidies for the acquisition of living space. The program was carried out from 2011 to 2016. At the end of 2016, this program was extended for another 48 months, that is, until the end of 2020.
At the regional level, there is a developed plan called “Housing for young families”. It helps low-income families acquire or partially facilitate the repayment of a mortgage loan.
The countryside is also covered by the bill. With it, villagers can count on improving the living conditions of young families living outside cities; providing poor villagers with affordable housing.
Distinctive features
Both programs are similar to each other and are designed to improve the quality of housing conditions of young families. However, these programs are characterized by a small distinguishing feature, which is important to pay special attention to everyone who plans to participate.
The Young Family program, in contrast to the Young Family - Affordable Housing project, is characterized by a number of additional conditions. For the "Young Family" one of the prerequisites is the presence of a child. This fact changes the mandatory requirements for citizenship of parents. Thus, in the program “Young Family - Affordable Housing”, married persons must submit documents confirming that the applicants are citizens of the Russian Federation when submitting an application without fail. For the program "Young Family" with at least one child, citizenship of the Russian Federation is required to have only one of the parents.
Required documents
In order to receive the monetary subsidy provided by the housing program for a young family, everyone should provide the required documents to the administration at the place of residence. List of documents:
- Two copies of the application for payment.
- Marriage certificate.
- Copies of passports of spouses.
- A certificate confirming the status of the family as poor.
- Inquiries about received payments.
- Loan and mortgage agreements.
- Documents for the child, if any (copy of birth certificate).
If the housing payment is spent on the payment of a mortgage debt, then the following securities must be additionally provided:
- A copy of the bank agreement where the loan was granted.
- A document on the right to ownership of housing located in a mortgage.
- Bank reference on the state of the debt balance.
What can I spend the subsidy on?
The subsidy allocated by the state for housing for young families can only be spent on the following:
- Buying real estate for housing.
- Building your own private house.
- Mortgage debt repayment.
- Payment of the procedure for registration of the property owner in the housing cooperative.
Housing Benefits
The state housing program for a young family has several advantages:
- Quick housing.
- Low interest rate.
- Mortgage security and risk insurance.
- Fast check-in at the place of residence.
Disadvantages of the housing program
But along with the advantages, the housing program for a young family has some disadvantages:
- A large number of program participants, which increases the queue and waiting time.
- The program is designed for families with stable earnings.
- The priority area of the program is the construction of middle-class housing.
- Monthly mortgage payments.
- Limited loan amount.
- Before repayment of debts, the homeowner is the state.
Development prospects
Starting in 2016, it was planned to introduce additional measures to support and encourage the formation of families.
A special bill has already been prepared, the contents of which are available on the official website of the State Duma. It contains the following aspects:
- Interest-free mortgage loan to purchase your own property.
- Payment for the construction or purchase of housing, comprising 25-45% of the average cost.
- Housing loan repayment subsidy for the birth of another child.
- Increase in age of spouses.
- Lowering the minimum amount of regular income to receive support.
- Increase in the mortgage cost of housing up to 2.5 million rubles.
At the moment, the project is under consideration in the State Duma. Therefore, in 2017, most likely, we should expect new social projects for housing support for families.
What changes are expected in 2017
Every year, starting in 2011, there is a certain change in housing programs aimed at improving and optimizing the receipt of assistance.
Unlike in 2016, the housing program for a young family, designed for 2017, provides for the following changes:
- Firstly, the percentage of material payments from the state will increase. If in 2016 payments for families without a child were 30%, and for families with a child - 35%, then in 2017 they increased in the first case to 35%, and in the second to 40%.
- Secondly, there will be an increase in footage for each family member.