/ / State housing program for young families

State housing program for a young family

Currently a very important areanational policy is the solution of the housing problem and the provision of assistance to young people who have recently got married and who need 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 a partial cost of housing under construction.

housing program for a young family

The state is developing various projectsaimed at supporting young families. Provides opportunity for low-income families to get their own housing, which will provide favorable conditions for living, as well as the birth and upbringing of the child. The set of measures supporting new marriages is established by legislation 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 was aimed at increasing the population of the state.

Conditions for obtaining

Not all families can participate in the program.the provision of housing. Only families that are subject to certain conditions can receive state support. The housing program "Young Family" provides the following criteria for obtaining the right to material assistance:

  1. The age of each spouse must not exceed thirty-five years.
  2. In a young family there should be a permanent source of income to pay off the state mortgage. But there may be savings for the purchase of an apartment.
  3. To receive state assistance, a young family must have the status of needing a living space.

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 resolution of the Government of the Russian Federation. In 2016, it was extended until 2020.

housing for young families

This allows you to solve the problem of the population of the country, as well as other tasks:

  • Solution of demographic problems in the Russian Federation.
  • Reducing social tensions.
  • Help young families with apartments and houses.
  • Revitalization of mortgage lending.

During this period, it is planned to provide housing for about 170 thousand families, spending at the same time 320 billion rubles of budget funds.

The program of housing support for young families assumes the following share of allocated state funds:

  • A 35% subsidy is provided to a childless family.The minimum budget of a young family, the composition of which does not exceed 2 people, must be at least 21 thousand rubles. Payments at the same time are equal to almost 600 thousand rubles.
  • Families that already have children are given a 40% subsidy. The minimum budget of a family of 3 members must 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.

Еще государственная жилищная программа «Молодая Family ”provides support for large families. Depending on the place of residence, certain financial assistance is allocated, which, together with other measures, serves as a comprehensive support for young families.

The housing program "Young family - affordable housing"

Another federal program is Young Family - Affordable Housing. It was adopted to ensure the following tasks:

  • Improving the comfort of housing.
  • Formation of an economy class housing market in the Russian Federation.
  • Improving the quality of life in the country.

This program is implementing a national-scale project “Affordable and Comfortable Housing - to Citizens of the Russian Federation”.

young family affordable housing

Under the project "Young family - affordable housing"It is understood to provide subsidies for the acquisition of residential space. The implementation of the program took place 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 plan developed under the title “Providing housing for young families”. It helps low-income families to purchase or partially facilitate the repayment of a mortgage loan.

Rural areas also applyaction bill. With it, villagers can count on improving the living conditions of young families living outside the cities; providing low-income villagers with affordable housing.

Distinctive features

Both programs are similar and are designed toimprove the quality of housing for young families. However, these programs are characterized by a small distinctive feature, which is important to pay special attention to all who plan to participate.

The program "Young Family", in contrast to the project"Young family - affordable housing," 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 the citizenship of the parents. Thus, in the program “Young Family - Affordable Housing”, married people must, when submitting an application, provide the documents confirming that the applicants are citizens of the Russian Federation. For the program "Young Family" in the presence of at least one child, the citizenship of the Russian Federation is necessary only for one of the parents.

Required documents

In order to get a cash grant, whichprovides for a housing program for a young family, all those who wish must submit the required documents to the administration at the place of residence. List of documents:

  • Two copies of the application for payment.
  • A document certifying marriage.
  • Copies of spouses' passports.
  • Help confirming the status of the family as poor.
  • Certificates of payments received.
  • Agreements on loans and mortgages.
  • Documents for a child, if any (copy of birth certificate).

housing conditions young family

If the housing payment will be spent on the payment of mortgage debt, then the following documents must be provided:

  • A copy of the bank agreement where the loan was granted.
  • The document on the right to own housing located in the mortgage.
  • Certificate from the bank on the state of the debt balance.

What you can spend subsidy

The subsidy allocated by the state for housing for young families can be spent only on the following:

  • Buying property for housing.
  • Building your own private house.
  • Mortgage debt repayment.
  • Payment procedures for registration of the owner of the property in the HBC.

Advantages of the housing program

young families housing support program

The state housing program for a young family has a number of advantages:

  • Quick home purchase.
  • Small interest rate.
  • Mortgage security and risk insurance.
  • Quick registration at the place of residence.

Disadvantages of the housing program

But along with the advantages, the housing program for a young family has several disadvantages:

  • A large number of participants in the program, which increases the queue and waiting time.
  • The program is designed for families with a stable income.
  • The priority direction of the program is the construction of middle-class housing.
  • Monthly mortgage payments.
  • Limited loan amount.
  • Until repayment of debts, the owner of housing is the state.

Development prospects

Beginning in 2016, it was planned to introduce additional measures to support and encourage emerging families.

state housing program young family

A special bill has already been prepared, the content of which is available on the official website of the State Duma. It contains the following aspects:

  1. Interest-free mortgage loan to purchase your own property.
  2. Payment for the construction or purchase of housing, amounting to 25-45% of the average cost.
  3. A subsidy for the repayment of housing loans at the birth of another child.
  4. Increase the age of spouses.
  5. Reducing the minimum amount of fixed income to get support.
  6. Increase 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 on housing support for families.

What changes are expected in 2017

Every year, starting in 2011, there is some change in housing programs aimed at improving and optimizing the receipt of assistance.

federal housing program young family

Unlike 2016, the housing program for a young family, designed for 2017, includes the following changes:

  • First, the percentage of material payments will increase.from the state. If in 2016 for families without a child, payments were 30%, and for families with a child - 35%, then in 2017 they increased in the first case to 35%, and in the second - up to 40%.
  • Secondly, there will be an increase in footage for each family member.
Liked:
0
Popular Posts
Spiritual development
Food
yup