Are you newlyweds, but have not yet acquired your own housing or feel uncomfortable in a small apartment? The federal target program "Housing" for 2015-2020. with the program “Housing for young families” will help solve your problems. If your family meets the requirements, feel free to go to the municipal authority at the place of permanent registration and draw up documents.
Basic requirements for participants
The main condition for participation in the subprogram is the age of the spouses at the time of submission of documents no older than thirty-five years. There is also an option with an incomplete family, where only one parent. The age of one parent should also not exceed thirty-five years. You can get support as a young family if:
- in your apartment for each registered tenant is less than 18 square meters. m .;
- the family is recognized to be in need of better living conditions in accordance with article 51 of the Housing Code ;
- you have the appropriate income (23,950 rubles per month for a family of two, 32,561 rubles for three, 48,020 for a family of four) or other financial means to pay the average cost of an apartment or building a house, for example, maternity capital ;
- you are a veteran of local military operations, disabled or belong to another preferential category of citizens (at the discretion of the local administration);
- you and other family members are citizens of the Russian Federation.
Documents for participation in the program
What documents are needed (the program "Young Family") can be found in the housing department or other authorized body of the administration of the village where potential participants are registered at the place of residence. When applying, you will need:
- passports of all family members who have reached the age of majority, as well as birth certificates for each of the children;
- Marriage certificate;
- employment records of all family members who have them;
- certificate of deposit status;
- certificate 2-personal income tax;
- Help with your credit history in case of buying a home on a mortgage;
- certificate of family composition;
- military ID (for men over 18 years old);
- certificate of participation in the Maternity Capital program;
- statement in duplicate.
Procedure
It takes about 10 days to review the documents. After that you will receive a letter from the authorized body on the queuing for the program "Young Family". Further, you can count on benefits and subsidies. If you are entitled to a subsidy, you need to find out what documents are needed (the Young Family program) in order to receive a certificate for material assistance. Within two months, your certificate will be valid. With him and other documents (which documents are needed in the Young Family program, indicated above), you need to contact the bank to open a personal account. After the money is credited to the account, you can add the missing amount to buy a home or apply for a mortgage.
The size of the subsidy for the purchase of housing for young families and what to spend it on
A family without children can receive an amount of up to 35% of the cost of housing that they want to purchase. Families with minor children may well receive 40%. But these figures are conditional, it all depends on the region and the policy towards young families.
Now that you have become the owner of the subsidy, you can realize the cherished dream - to buy a dwelling, build your own house, make an initial payment for a mortgage or pay off an existing one. In 2017, young families will be given a mortgage even if they have any real estate, but the family must have a child. You can only buy new housing from a developer certified in this subprogram. Apartments should be in houses built according to the class of economy housing.
If you use a subsidy to pay a down payment for the purchase of housing or construction, you must provide the bank with a contract of sale or contract for the construction of a separate residential building for one family.
What documents are needed (the program "Young Family") for making a share contribution? If you want to use the funds to pay the last installment payment in a housing cooperative, the list of documents is increased, and then the bank needs:
- certificate of the share contribution amount that has already been paid;
- copy of the cooperative charter;
- extract from the register with confirmation of membership in the cooperative;
- copy of the decision to transfer housing to a young family by the cooperative.
Within five days, the bank will verify the information provided and make a decision. If all the documents are consistent, the bank sends the application to the municipal authority on the same day to transfer funds to the young family for the indicated needs.
Program disadvantages
The new program does not suit all young families with their conditions. Now only people with a constant source of income can receive help, the number of participants is constantly increasing, and therefore, funds are allocated for middle-class housing, no choice is provided, assistance is not more than 30-40% and so on. However, the program is still an effective measure to support young families.
What to look for?
In order not to waste time wasting time, before receiving information about what documents are needed and collecting these documents, keep in mind that an annual increase in the number of participants leads to an increase in the lineup for the Young Family program. You must have a steady source of income. The state will provide financial assistance in the amount of not more than 40% of the market value of residential premises. If you take a mortgage, then the maximum amount of a mortgage loan will be no more than 2.2 million rubles. The program is valid until 2020.