Many young families need help, especiallywith the advent of the child, so they have special benefits. They are fixed legislatively. To use them, you need to know how to get them right. Benefits for young families are provided if they have confirmation of their situation, for example, the appearance of a child.
In the legislation of Russia there is no concept of "younga family". As can be seen from practice, marriage is young if its duration is not more than 3 years, and a mother or father under 30 years old has 1 child under 18 years of age. If the upbringing of a minor is carried out by a single parent under the age of 30, then he is included in this category.
Benefits for young families - assistance from the federal andregional budget, which allows you to provide a couple and a child necessary for a comfortable life. In many families, problems arise, such as low wages or the lack of separate housing. And thanks to the social policy of the state, you can get rid of many difficulties.
As such, there is no help for young families in the Russian Federation. But if they bring up three or more children, they have the right to receive benefits:
What are the benefits to a young family with and without a childprovided? She is given a subsidy for the purchase of an apartment, obtaining a land plot. You can also use mortgages with lower interest rates than for many other social groups.
If the family has no children, then there is the possibility of obtaining:
Has the advantage of a young family with a child. Benefits are the receipt of a subsidy for the purchase of real estate at a rate of 40%. It turns out that housing will be very profitable.
What are the benefits for a young family in thissphere? There is an opportunity to join the state program "Young Family". They are offered by many banks. Maternity capital can serve as a partial mortgage payment, so you only have to repay the balance.
Under the program, spouses under the age of 35 have the opportunityreceiving from the state a subsidy, which is used to pay for real estate. Local authorities must calculate the price of housing, which is acquired by the family, given the average cost in the region. Such benefits provide an opportunity to receive a subsidy of up to 70% of the cost of housing.
Benefits for housing for young families are provided ina low-interest mortgage. The services can be used in any commercial bank. They are issued by Sberbank, VTB 24 and other institutions. The rate varies within the limits of 12-13%, and the crediting period is 30 years.
The maximum loan amount differs in the regions. For example, in Moscow and St. Petersburg, it is 15 million rubles, and in other cities - only 8 million rubles.
Maternity capital is a statesupport families with children. The program has been in operation since 2007, and it is distributed not only at the birth of its child, but also with the adoption of the second and subsequent.
By law, maternity capital can be spent on the following:
If we consider the benefits to young families byimprovement of housing, the program will pay off a mortgage or another loan that was issued for the purchase of real estate. Maternity capital is intended for reconstruction, repair of a house, participation in shared construction. Funds can also be used to pay the first installment of a mortgage.
The "Young Family" program assumes a subsidy for the construction of a house. It is spent for payment of services of the building firm or compensation of the expenses if work was carried out independently.
The size of the subsidy is the same as in the case ofpurchase of housing. With such help, beneficial benefits are offered. Apartments for young families are cheaper. The program is considered universal, because it helps to solve many problems related to improving living conditions.
Benefits for young families are provided in the form of discounts on utilities. They operate in cases where:
In both cases a discount of 50% is applied. The amount of benefits depends on the region. Often, it can reach 100%.
If a young family has 3 or more children, then it can enjoy the following benefits:
Such benefits are offered to low-income families. This allows them to improve their financial situation.
To apply benefits to improve living conditions, you need to apply to the housing department with the following documents:
If a subsidy is required to repay a mortgage, an additional list of securities should be prepared:
If the subsidy goes to a share payment, after which the property passes into ownership, then the following papers are needed:
To take advantage of social benefits, you must apply for social protection at your place of residence. Such an institution exists in every city. At the same time, you need to take with you:
On a written application, the need for people to receive benefits is being considered. The documentation confirms this right.
In all regions, there are privileges foryoung families. They are designed to improve living conditions. For example, Moscow residents are offered to issue an interest-free mortgage for the purchase of real estate. In Tver, in addition to guaranteed by the state 40%, with one child can get another 10% of the price of housing. Benefits are provided with the birth of the baby. As a result, it turns out that the discount is 50%.
In Volgograd, there is an opportunity to receive benefits inthe amount of 25 000 rubles, if the baby was born before the mother reaches the age of 23 years. This decision was established to increase the birth rate at a young age and the number of young families in the region. In each subject of the country there are special features of granting an advantage. They need to be recognized by local authorities. Federal and regional programs help young families to have everything they need for a normal life.
