How to apply for an apartment subsidy? First of all, it remains to be proved that a citizen has the right to receive it, to collect the necessary documentary kit. The word "subsidy" itself means free state aid. It is intended for a certain category of the population that really needs compensation for the purchase of apartments, houses or housing services.
Legislative regulation
Federal Law No. 188 approved the provisions of the Housing Code, the article 50 defines the rules for providing housing for each person. ZhK is a fundamental act; on the basis of these provisions, programs and targeted projects are being developed to improve housing for low-income people. Article 51 of the LC RF provides the concept of citizens who can be classified as needy, the procedure for determining them and how to apply for a subsidy for an apartment. On the basis of Article 159, in the RF Housing Code, funds are allocated from the state budget for the payment of utility bills, persons who are entitled to do so are also indicated there.
What is a subsidy?
Funds for state aid are allocated from the federal or local budget. The subsidy is characterized by signs:
- gratuitous financial support;
- equity or partial provision of funds;
- target orientation.
When citizens are interested in how to apply for a subsidy for an apartment, this means that they must apply to social security at their place of residence, there they will establish whether they are supposed to compensate for the costs of such an acquisition. Funds are provided for building a house and paying off utilities. Residents who are suitable for all requirements are given money in the form of a certificate with a limited amount and terms of their use. The volume of housing in any case must comply with the standards for each resident. When they figure out how to apply for a subsidy for an apartment, you first need to decide how it will be acquired.
Certificate allowed to spend:
- on the first mortgage installment;
- repay a home loan;
- make a share in a building society;
- expand the area if it does not meet the standards;
- carry out repairs to improve the condition of the apartment.
Assistance is provided in amounts that can only partially offset the total costs.
What is required from the applicant
All citizens will receive a positive answer to the question of whether it is possible to apply for a subsidy for an apartment; programs are being developed for them. There is only one nuance, it is necessary:
- have savings to immediately pay off the remaining amount;
- have real estate in stock, which will be sold as a smaller area to expand the newly purchased volume;
- to purchase housing in a mortgage, the certificate will go as an initial contribution.
A subsidy of this type is provided once per family, a certificate is not issued a second time.
Restrictive prohibitions
The term of use of the subsidy depends on the method of acquiring housing, and if it expires, it is restored, but for this the applicant is placed in the general queue. The acquisition must be legally clean, not be pledged, under encumbrance at the bank. When money is invested in building a house, the validity period will last until the work is completed. Provide funds when housing is built at 70%. Where to apply for an apartment subsidy? At the address of social protection, in the area of permanent residence of the applicant for it. Documents are accepted at the MFC and through the portal of Public Services.
Who is the help for?
Mostly, the local budget allocates money, so the regional authorities are obliged to take into account and distribute their beneficiaries in a special list, based on the provisions of federal law in accordance with the procedure for using such funds. When an apartment is purchased in a mortgage, you can apply for a subsidy in social protection. To do this, the family needs to belong to the category:
- Large, have 3 or more minor children. Age can be extended from 18 to 23 years, subject to full-time training or being in military service.
- Honeymooners - if the couple is not 35 years old.
- Civil servants.
- Employed in the public sector.
- Military personnel in stock.
- Rural specialists working in the direction of the university.
- Orphans.
- Poor people with official status, registered and queued.
- Combatants.
- Workers of the Far North with an experience of 15 years.
For senior citizens, separate programs and joint programs are taking into account their needs and characteristics.
Grants for age categories
How to get a subsidy for an apartment for a pensioner? It is necessary to submit an application to the FIU. Housing problems can be different. The state will help people purchase housing only on well-deserved rest:
- retired military;
- to the employee of the Ministry of Internal Affairs, Ministry of Emergencies, FSB.
Ordinary citizens who receive pensions are reduced:
- cost of transportation costs;
- compensate for the gasification of houses;
- reimburse part of the cost of utilities.
How to get a subsidy for paying an apartment to a poor family member? It is necessary to apply for social protection, subject to:
- state or social housing;
- renting a private house;
- participant in cooperative construction;
- property owner.
It should be noted that there are a lot of people who want to receive help, for its registration it is necessary to register in social protection, where they will register and turn.
What kind of documents do they apply?
You should immediately clarify a common question from residents about whether it is possible to apply for a subsidy for two apartments. Help is allocated by registration, and since a family can live only at one permanent address, it means you cannot get money for 2 households. The applicant for the subsidy needs to collect a documentary kit for application to the application:
- passports of all family members;
- evidence of kinship;
- statements of ownership;
- receipts for payment for gas, electricity, in the absence of debts;
- certificates from housing and communal services proving family composition;
- students need to confirm their studies;
- transfer bank details;
- statement of earnings in the form of 2 personal income tax;
- unemployed provide a copy of the employment record.
Compensation for utilities is assigned to individuals if the payment exceeds 22% of total revenue.
Citizens should know when the question arises of whether it is possible to apply for a subsidy for two apartments or not. The answer is unequivocal - it is impossible.
When it is necessary to queue for receipt, you need to submit an application with documents, it will be considered by the commission responsible for registration.
What parameters affect the size?
Each case is examined individually. Social assistance workers and officials from the commission calculate, determine and assign the amount of money. This parameter is influenced by several factors:
- what category the beneficiary belongs to;
- how many members in the family;
- prices per square meter, if an apartment is purchased;
- correction factor in the region;
- time worked in the state or military field;
- queuing time.
The calculation is based on the total income of citizens for the last 2 quarters. It is determined that for each family member the material maintenance should be no less than the subsistence minimum established in the region. The following types of funds entering the family are taken into account:
- wages;
- money from rental property;
- children's allowances;
- profit from sales of products, additional activities.
The villagers are reimbursed within 70% of the cost of housing in the region, urban residents receive only 40%. The size of the compensation largely depends on the decision of the local authorities, their budget. Unemployed need to prove that they are registered with the employment service and receive benefits there.
Construction subsidies
In addition to the finished apartments, citizens can expect reimbursement for the construction of houses. Provided that the poor live:
- in the premises by standards less than 15 square meters. m per person;
- on an area that does not correspond to housing conditions;
- in communal apartments;
- in dormitories or office housing;
- with seriously ill family members;
- in the same room with children.
The applicant cannot apply for help from the state budget if they have deliberately worsened living conditions. When the turn comes up, but the applicant for the subsidy has independently solved his housing problems, he is removed from the queue and registered. They are deprived of the right to subsidy, if it becomes clear that the family composition has changed, conditions will improve, income will change.
Order of registration
Social assistance is provided according to the following scheme:
- the commission will consider the application and the attached evidence;
- assess the level of need for a benefit;
- decide whether to refuse or grant the request.
Every citizen of the Russian Federation at the place of his residence has the right to apply for a subsidy. The response to the request will be sent to the addressee 10 days after the submission of the application. Such subsidies are of a targeted nature, therefore they have especially strict requirements for verifying the reliability of the facts presented. The applicant is responsible for the forgery. At the initial stage, the citizen will simply be refused to transfer money, if he receives the wrong funds, the court will have to sort it out. If you change your marital status or increase incomes, when citizens no longer belong to the category of low-income or large families, they are obliged to inform social security about the level of their new material condition no later than one month. The termination of payments occurs in the event of moving to another place of residence.