Newlyweds often do not have the opportunity to purchase their own home. After all, real estate in Russia costs a lot of money. But the state has created a program under which young families have the right to buy residential premises at a significant discount (Resolution of the Government of the Russian Federation dated December 17, 2010 N 1050 (as amended on November 20, 2018) “On the implementation of certain measures of the state program of the Russian Federation “Providing affordable and comfortable housing and utility services for citizens of the Russian Federation”, Decree of the Government of the Russian Federation dated August 25, 2015 N 889 “On amendments to Decree of the Government of the Russian Federation dated December 17, 2010 N 1050”). Such assistance is provided both at the federal and regional levels. How is the “Young Family” program implemented in the Moscow region?
Who is the first contender
In order to hope to receive an apartment, a young family needs to fulfill a number of conditions stipulated by housing legislation, and it belongs to certain categories of citizens for whom assistance is provided. So you can count on the loyalty of the state:
- those who have less than 7 sq.m. per person. (in different regions from 6 to 15 m2). Divide all residential premises by the number of registered people; those simply living in an apartment with registration in another place are not relevant;
- those who fit the definition of low-income;
- those who have 1 or more children in their family.
The state support program for young families was launched in 2011 (aggregate programs “Housing”). The basic law on which you can rely is RF PP No. 889 of 08/25/2015. An application for the allocation of residential premises is submitted in accordance with Order of the Ministry of Construction and Housing and Communal Services dated September 21, 2020 No. 674 . Only citizens of the Russian Federation who do not own their own housing of any size, distance from roads, or wear and tear can participate in the program.
Important! A young family is between the ages of 18 and 35, and if one of the spouses turns 35 while waiting to receive an apartment, the family automatically leaves the state program. Therefore, before applying for participation, you need to accurately correlate all the risks. more than 10 years for new housing .
How many young families are there in Russia?
And the fact that I went every year for 10 years collecting these certificates does not bother anyone. But they are not cheap. I needed a certificate for each family member, and we have 3 children. It was a shame, to the point of tears. It was a pity to waste time and money!
We recommend reading: Cancellation of Compensation for Parental Fees for Kindergarten Stavropol Territory
Social support for young families in Russia
Russia is one of the few countries in the world where the population is declining, and one of the components of the trend is a decline in the birth rate. It is known that in order to maintain simple reproduction of any society, it is necessary to have a birth rate of 2.14 on average. In Russia, according to statistical data, this coefficient is currently 1.6.
Population statistics of Russia. Russia is the largest country in the world by area. For more details and a complete list of the largest regions of Russia by area, see. According to current media information from At the same time, life expectancy in the Russian Federation has increased by an average of 7.2 years since last year.
Free cheese and mousetrap
The capitalist grin of modern Russia has long put young families at a disadvantage. Only a few can afford to buy an apartment; in 98% of cases, newlyweds rent a corner, are harnessed to the mortgage yoke, or humbly await the fulfillment of a will from relatives.
But it turned out that it is also possible to get housing for free in the Russian Federation, you just need to know how, where and how long to get into the right passages.
Our experts know the answer to your question
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- Moscow ext. 143
- St. Petersburg ext. 702
- RF ext. 684
Poverty and the outstretched hand
You can apply for free square meters if you acquire the status of a low-income family and do not own any housing, not even a garden shed on 6 acres.
If the young husband and wife are each registered with their parents, all square meters owned (social rent) of the two united families are calculated. The objections of the heads of the clan that none of them is going to provide housing for the newly-minted spouses will not be accepted. Large mansions owned by “ancestors” and registration will forever dash the dreams of a young family about their own apartment.
Each subject of the Russian Federation has its own norms and criteria by which a family is recognized as low-income. On average, these are people who, over a certain period of time, did not have the property and income to buy an apartment on their own.
It is useless to submit an application if the day before a family member sold a car worth the cost of a new one-room apartment, a house in the village, or dealt with another impressive amount. A family living on standard square meters for social rent will also not be included in the program for providing an apartment from the state. It will not be possible to deceive government agencies by deliberately worsening your living conditions, registering a dozen relatives for living space, or exchanging a decent cubic capacity for an emergency house.
Financial aspects of the “Young Family” program
First of all, all adult family members must have an official place of work and an appropriate income, the total amount of which is at least:
- l21 621 – for a family of two adults;
- l32 510 – for a family of three;
- l43 350 – for a large family of four members.
This point is mandatory for those wishing to receive a so-called state house (apartment) for one important reason - the amount of the subsidy does not cover the entire cost of housing. It can be no more than 30 percent (35 for families with children) of the cost, which means the family will have to collect the remaining 70 percent on their own or take out a loan. To fulfill this condition, it is necessary to confirm solvency.
After collecting and processing all documents, they should be submitted to the authorized authorities at the place of registration. After 10 days, applicants should receive a letter with the authorities’ decision. If luck smiles on young people, they will be put in line to receive a preferential certificate. Each city has its own lists.
Give back to the Motherland
You can get an apartment for free from the Ministry of Defense. Military personnel stand in a special, separate line and wait for their own housing much faster than ordinary citizens. In addition, military families are immediately provided with service meters at any location and they have a chance to “get by” without renting a corner for money. Another thing is that their quality directly depends on the region in which the man serves.
Important! You can get an apartment from the state after serving for at least 20 years. The period is reduced to 10 years if a military personnel is transferred to the reserve on preferential terms (for health reasons, age, etc.). Family members of a serviceman at the time of being in the queue should not own (social rent) their own housing.
The “military mortgage” program consists of the state transferring a certain amount to a serviceman’s account over a period of 3 years. Next, she is sent to pay the down payment for the apartment, and the burden of mortgage payments for the remaining amount falls on the state as long as the man remains in the service. The loan amount under this program is no more than 2.5 million rubles.
Judges, professional rescuers, and prosecutors can apply for a free apartment. If you want to have your own home, it is enough to choose the right profession or (for women) purposefully marry a person who occupies a preferential niche.
Amount and calculation of the subsidy
The subsidy amount is provided at least:
- 30% of the estimated (or average) price of purchased housing for a family without children;
- from 35% of the cost of housing for young families with 1 child or more, as well as for single-parent young families consisting of 1 young parent and 1 child or more;
- those who are building or buying an apartment in a new building can count on half the cost.
The amount of the subsidy is determined by a special formula depending on what is purchased and in which region. It can be approximately calculated using a calculator on the Internet: https://kod-x.ru/polza/subcalc.htm.
The certificate for the right to receive a subsidy is personal, non-cash, it has no value (that is, it is not a security, it cannot be sold). Its validity period is 9 months from the moment it was signed and issued. If the funds are not used within this period, they are returned to the budget.
If you have questions, you can consult for free. To do this, you can use the form below, the online consultant window and telephone numbers (24 hours a day, seven days a week): 8 Moscow and region; 8 St. Petersburg and region; all regions of the Russian Federation.
Improve the demographic situation
Families with a large number of children (natural, adopted) have a dose of privilege in receiving an apartment from the state. As of March 1, 2020, amendments were made to the law, according to which families with many children can exchange a free plot of land for construction for an apartment.
Important! The significant catch is that young families with low-income status living in dilapidated or dilapidated housing on an area of less than 10 sq.m. can take advantage of this right. per person. When applying for a new apartment, you need to live in the region for at least several years (each subject of the Russian Federation has its own rules) and for 5 years not make real estate transactions that will automatically worsen living conditions (do not sell housing, do not register anyone except newborn children, do not change for old ones).
List of documents for participation in the project
We list the main documents that will have to be provided. In different regions, the package of required certificates may have its own characteristics, so before you start processing, check this aspect with the social security authorities or contact the administration.
What you need to get help:
- if the family is full, then you will need to confirm the fact of marriage with a certificate;
- you will have to provide a certificate of family composition, it will help determine the number of people living in the premises and the presence of children;
- write statements confirming the desire to participate in the state program from both spouses;
- submit documents confirming the status of those in need of improved housing conditions, the very conclusion of the commission;
- You will also need to confirm the presence of official income by providing the appropriate certificate.
Since the program has federal status, major changes cannot be made to the package of documents by regional authorities.
Where should you start the registration process?
If a community unit has decided to participate in the program, then it needs to contact the social protection authorities or the administration to obtain accurate information.
When all the subtleties are taken into account, you will need to call a commission capable of recognizing the residential premises as dilapidated, unsafe, and unsuitable for a family with or without children.
It doesn’t really matter what conclusion the commission issues, the main thing is that it recognizes the family as in need of improved living conditions - that will be quite enough.
Then they move on to collecting the missing documents, the list of which should be clarified in advance, so that “on the spot” you don’t have to run around and collect some certificates.
The final stage is considered to be writing an application; if they are accepted, then the family can be congratulated on participating in the project.
On paper, everything seems simple and clear, but in the process of collecting documents, certain questions may arise; do not hesitate to consult with social protection workers or the MFC.
State funding: what young people are entitled to
How to get money for an apartment from the state and what conditions will need to be met for this? Families can apply for “material assistance” under the “Young Family” program and the “Housing” special program.
In the first option, the state provides a subsidy of 30%, in the second - 30-35% of the amount of the selected apartment. In other words, it pays for about a third of the cost of housing; the young family must have the rest of the money on hand or take out a mortgage loan.
The subsidy can be spent on:
- purchasing a cheap apartment on the primary (new building) housing market;
- purchasing cubic capacity on the secondary market;
- payment for building materials when constructing a house;
- the last share payment, if paid, his apartment will completely belong to the young people;
- repayment of mortgage interest.
As a participant in the program, a certificate for a certain amount can be provided to the bank, which will issue a loan to the young family for an apartment. To obtain a certificate, the following conditions must be met: age under 35, citizenship of the Russian Federation, status of a family in need of better housing conditions.
Important! To receive the subsidy amount, you must provide a certificate stating that the family has funds to cover that part of the apartment that is not paid for by the state. This may be a document from the bank confirming the agreement on the loan or mortgage, as well as a certificate from the bank where the cash is kept.
Procedure for joining the “Young Family” program and receiving a subsidy
- Prepare the necessary documents.
Important! Below is the main list of documents for participation in the program; check with the administration for the complete list.
Personal documents:
- Originals and copies of Russian passports of parents (or parent);
Originals and copies of children's birth certificates (if any);
- Marriage certificate, if the family is full;
- Divorce certificate, if the family is not complete;
Documents reflecting the financial capacity of the family:
- Certificate of income (certificate 2-NDFL), if the apartment will be purchased with a mortgage.
The income of the parents of a young family can also be taken into account if they write a statement of consent to participate in subsidizing the costs of paying for the apartment being purchased and provide certificates of their income. - A statement of a personal bank account, which confirms the presence of a certain amount in the account to pay for the apartment.
The amount must exceed the subsidy amount (established in your region) if the family does not resort to a mortgage or other lending for help. You can also provide a photocopy of your passbook. If a family does not have the money to pay the down payment for a mortgage or other loan, then it can be repaid with the money received under the program.
Registration documents for each member of the young family:
- Extract from the house register (regular or extended).
This extract indicates the registered people in the apartment. This certificate is taken from the passport office where the family is registered. If the family is registered in a private house, then the house register itself is necessary. Read detailed instructions on how to obtain this statement.
They do not always require, but sometimes include copies of apartment cards in the list. To receive it, you need to come with your passport to the management company and write an application. Company employees (according to the Rules for the Provision of Public Utilities) are required to issue the requested documents within 3 business days. They have no right to refuse on the basis of non-payment of rent.
Documents confirming the family's need to improve living conditions:
- Report of inspection of family living conditions.
This act confirms that the family needs housing more than the one in which it lives. It is taken from the local administration or the Property Management Department. - An act on the emergency condition of housing, if the housing is recognized as dilapidated (unsuitable).
This act is obtained from the local administration or the Property Management Department. - Documents confirming the presence or absence of any property of each member of the young family.
Documents that indicate the existence of property may be a certificate of ownership, a warrant or a social tenancy agreement.Documents confirming the absence of any property for each family member (the list varies in each region):
- extract from the Unified State Register of each family member. The official name is “Extract from the Unified State Register of Real Estate on the rights of an individual to his real estate.” Here are detailed instructions for ordering this extract.
certificate from the BTI in form No. 2 about non-participation in privatization. It can be ordered from the Bureau of Technical Inventory for 500 rubles. for each family member separately. This certificate takes 5 days to prepare.
- The collected documents should be submitted to local government bodies and application forms of the established form should be filled out. By bodies we mean bodies that deal with housing policy issues. This may be called an administration, committee or department, but the essence of its work is the same: to understand the issues of housing and communal services, including improving the living conditions of the population. In some regions there are special agencies.
- After submitting the documents, it remains wait for the commission's decision in order of priority.
The period can last up to 6 months, although the program rules state that the commission’s decision must be made 10 days after submitting the documents and application. Another 5 days are given to notify the family in writing. The queue in each region is different. Read below to see who's first on the list.There is a certain procedure for the work of the commissions at which the issue of providing subsidies is considered; each region has its own procedure. This is open information.
Almost all administrations have their own websites on the Internet, where there are addresses, telephone numbers, documents in PDF or DOC format that can be viewed and downloaded. Many sites have interactive service functions where you can get an answer. You can submit documents electronically and view regional conditions.
In case of refusal, you can apply again only after eliminating the reasons for which you were refused. You can find out the reasons for the refusal from the commission.
- In case of a positive decision , after notification of this, you need to once again submit the above documents to the commission and write an application to receive a certificate of receipt of the subsidy (within 1 month). In each case, everything is individual - either it is necessary to collect the documents again and order new certificates, or the commission will suffice with the old ones (i.e. duplicate). In general, check in advance.
- After that you will issue a certificate for receiving a subsidy under the program. An approximate calculation of the subsidy is given below.
But this may also take a long time, as mentioned above. It also happens that after six months, families wait for the commission’s response and, if it is positive, at the same time they receive a certificate.If the notification to receive a certificate arrives by registered mail, sign for receipt only in person! Only in this case is it considered delivered to the recipient.
- Then this certificate must be presented to the bank within 2 months , where the amount will be transferred to a blocking bank account. A blocking account, because money from it will have to be transferred only to the seller (an individual or a construction company) for the purchased apartment and not for any other needs.
- After find a suitable apartment and, if you take out a mortgage or other loan, sign a loan agreement with a bank or other organization, but it must be warned in advance that the initial payment will be paid through a subsidy if the family has no other money for this.
Note - you can repay the initial loan payment using a certificate received under the program if the loan was issued since 2013.
The purchased apartment must meet the following conditions:
- The apartment may be located in another region of the Russian Federation.
- It must meet established sanitary and technical standards established in the region, city, etc.
- The total area of the apartment for each family member should not be less than the accounting standard of residence established by local authorities. We remind you that this is from 8 sq.m. up to 18 sq.m. per person, because The accounting norm differs in the regions. Check with your local authorities.
By purchasing this apartment, the family should thereby improve its previous living conditions.
Read a detailed article on how to check an apartment before buying. Otherwise, unpleasant “surprises” may occur after the purchase, for example, rent arrears. After you have chosen and checked the apartment, you need to make a deposit. Follow the link for instructions on how to do it.
Further the commission must resubmit the documents so that she makes sure that the apartment being purchased actually meets the above conditions and the family has sufficient income to repay the loan or other money for the purchase.
Documents that need to be submitted (the list is approximate, check with your commission in advance):
- Original certificate of registration of title to the purchased apartment (if any);
foundation agreement for the purchased apartment;
To obtain this permission, both parents (the parent, if a single-parent family) must contact the guardianship authorities, fill out an application in the established form and submit the following documents:
- Russian passports of parents;
child's birth certificate;
After 10 working days, written permission can be obtained.
The purchased apartment is registered as the common property of all members of the young family.
If an apartment is purchased with a mortgage, then you can register the property in the name of only one spouse or both. But to do this, it is necessary to draw up a notarized undertaking in his (or their) name stating that after repaying the loan and removing the bank’s encumbrance on the apartment, he (they) is obliged to re-register ownership of the apartment to all family members. This must be done within 6 months after the removal of the encumbrance on the apartment.
- Extract from the Unified State Register of Real Estate. This extract is needed for an apartment that has already been purchased. How to order it, read this instruction;
After purchasing an apartment and receiving a certificate of ownership, you need to register in it. Here it is written how to register in the purchased apartment.
IMPORTANT! Keep in mind that financing has its own rules. Despite the deadlines specified in the certificate, the funds are spent in the city budget this year. If you received a payment certificate at the end of 2014 and its period ends, for example, in April 2020, then you need to use it before December 31, 2014, because the program is valid until 2020.
Although, judging by the statement of the Prime Minister of the Russian Federation D.A. Medvedev, there are good chances that the program will be extended for several more years. The subsidy amount under the program is indicated below.
Disadvantages of existing programs
Those who take part in the “Affordable Housing for Young Families” program should not think that after collecting the entire package of documents, in a month they will receive the coveted apartment. to consider :
- the processing time for applications is long;
- It will take 2-3 years from the moment you submit your application until you receive the subsidy;
- You can only get money if you are officially employed, preferably on a “white” salary;
- you should not count on more than 2 million 200 thousand rubles. ;
- After 2011, you cannot buy housing on the secondary market.
With a mortgage, there are monthly installments that cannot be skipped. A young family must have enough funds (salary certificates) to pay the bills. Housing is permitted to be purchased only in the region where the application was submitted.
Help and get
Conscious and intelligent parents from a young age teach their children to help the elderly, the sick and simply anyone who needs help. Having grown up and started their own families, children can also help lonely old people, but not for a “thank you,” but for living space. In addition to the “Young Family” program, there are other ways to get an apartment for a young family from the state in an honest way and in a short time. One of them is an annuity agreement (lifetime maintenance).
The contract is concluded between two parties in the presence of a lawyer. Its essence is as follows: one of the parties agrees to transfer the apartment in exchange for certain obligations:
- Lifetime maintenance with dependents - until the death of the apartment owner, the inheriting party covers all his expenses.
- Periodic urgent payments (at the request of the owner).
- Periodic lifetime payments.
If all the requirements are met, then after the death of one of the parties, the second enters into inheritance rights to the apartment. Such a peace agreement in most cases is drawn up between elderly, lonely old people and young people. But to carry out such a transaction will require time and a lot of patience. After all, more than a dozen years may pass until the minute when the apartment passes ownership from one party to the other.
