Many young families need help, especially with the advent of a child, so there are special benefits for them. They are fixed by law. To use them, you need to know how to get them correctly. Benefits are provided to young families if they have confirmation of their position, for example, the appearance of a child.
Young family concept
In the legislation of Russia there is no concept of a “young family”. As practice shows, a marriage is young if its duration is no more than 3 years, and a mother or father under 30 years old has 1 child under 18 years old. If a single parent under 30 years old is engaged in raising a minor, then he falls into this category.
Benefits for young families - assistance from the federal and regional budgets, which allows providing a couple and a child with the necessary for a comfortable life. Many families have problems such as low salaries or lack of separate housing. And thanks to the social policy of the state, one can get rid of many difficulties.
Types of benefits
As such, there is no help for young families in the Russian Federation. But if three or more children are brought up in them, then they have the right to receive benefits:
- housing (issuing a free apartment, land);
- social (benefits, discounts on utility bills);
- medical (medicines, nutrition, examination);
- tax (personal income tax return);
- transport (exemption from transport penalties).
What benefits are provided for a young family with and without a child? She is granted a subsidy for the purchase of an apartment, for obtaining a land plot. You can also use a mortgage with lower interest rates than for many other social groups.
Home purchase
If there are no children in the family, then there is the possibility of obtaining:
- subsidies of 35% of the price of the apartment;
- Mortgages under the Young Family program;
- social mortgage.
A young family with a child has advantages. The benefits consist of receiving a subsidy for the purchase of real estate in the amount of 40%. It turns out that housing will cost very profitably.
Mortgage repayment
What are the benefits for a young family in this area? There is the possibility of joining the state program “Young Family”. They are offered by many banks. Maternity capital can serve as a partial payment of the mortgage, so only the balance will have to be repaid.
Under the program, spouses under 35 years old are able to receive subsidies from the state , which is used to pay for real estate. Local authorities must calculate the price of housing purchased by the family, taking into account the average cost in the region. Such benefits provide the opportunity to receive subsidies up to 70% of the cost of housing.
Mortgage
Housing benefits for young families are in the form of low interest mortgages . Services can be used at any commercial bank. They are drawn up by Sberbank, VTB 24 and other institutions. The rate varies between 12-13%, and the loan term is 30 years.
In regions, the maximum loan amount differs. For example, in Moscow and St. Petersburg it amounts to 15 million rubles, and in other cities - only 8 million rubles.
Maternal capital
Maternity capital is government support for families with children. The program has been operating since 2007, and it is distributed not only at the birth of your child, but also at the adoption of the second and subsequent.
According to the law, maternity capital can be spent on the following purposes:
- improvement of living conditions;
- getting an education;
- healthcare services.
If we consider the benefits to young families to improve housing, the program will allow you to pay off a mortgage or other loan, which was issued for the purchase of real estate. Maternity capital is intended for reconstruction, home renovation, participation in shared construction. Funds can also be used to pay the down payment on a mortgage.
Real Estate Construction
The program "Young Family" involves receiving subsidies for the construction of a house. It is spent on paying for the services of a construction company or compensating for its costs if the work was carried out independently.
The amount of the subsidy is the same as in the case of purchasing a home. With this help, beneficial benefits are offered. Apartments for a young family are cheaper. The program is considered universal, as it helps to solve many problems related to improving housing conditions.
Communal payments
Benefits for young families are provided in the form of discounts on utilities. They are valid if:
- more than 20% of all income is spent on their payment;
- a family is considered to be poor or large, as evidenced by documents.
In both cases, a 50% discount applies. Benefits vary by region. Often, it can reach 100%.
Other support
If a young family has 3 or more children, then it can enjoy the following benefits:
- extraordinary admission to kindergarten;
- receiving free treatment, rehabilitation, medicines, baby food;
- discount for kindergarten payment;
- free use of public transport;
These benefits are also offered to low-income families. This allows you to improve their financial situation.
How to start using help?
To apply benefits to improve living conditions, you must contact the housing department with the following documents:
- statement;
- passports
- birth certificate of a child;
- certificate of family composition;
- social security documentation;
- income statement in the form of 2-personal income tax.
If a subsidy is required to repay a mortgage, then an additional list of securities should be prepared:
- proof of ownership of housing;
- loan agreement;
- certificate from the lender's bank.
If the subsidy will be sent to a share contribution, after which the property becomes property, then the following papers are required:
- documents of unpaid installment;
- copies of constituent documentation;
- property rights;
- certificate of entry into the cooperative;
- confirmation of transfer of ownership.
Social benefits
To take advantage of social benefits, you must contact the social protection at the place of residence. Such an institution is in every city. In this case, you need to take with you:
- passports of spouses;
- certificate of earnings;
- birth certificate of a child;
- confirmation of benefits;
- statement.
A written application addresses the need for people to receive benefits. The documentation confirms this right.
Regional features
All regions have their own benefits for young families. They are designed to improve housing conditions. For example, residents of Moscow are invited to apply for an interest-free mortgage for the purchase of real estate. In Tver, in addition to guaranteed by the state 40%, with one child you 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, it is possible to receive benefits in the 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. Each subject of the country has its own characteristics of providing benefits. They must be recognized by local authorities. Federal and regional programs help young families so that they have everything they need for a normal life.